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Ben Luthi

Ben Luthi is a Salt Lake City-based freelance writer who specializes in a variety of personal finance and travel topics. He worked in banking, auto financing, insurance, and financial planning before becoming a full-time writer.

About Ben Luthi

Current Role

Personal finance writer


  • Credit Cards
  • Consumer Credit
  • Student Loans
  • Personal Loans
  • Mortgage Loans
  • Investing
  • Banking
  • Budgeting
  • Debt


  • Bachelor's degree in business management from Brigham Young University

Personal Finance Experience

Ben became passionate about personal finance in college when he worked a full-time job and learned how to budget to avoid taking on student loans. He ended up with a little college debt but paid it off quickly.

While in school, he interned with Northwestern Mutual, selling life insurance and creating comprehensive financial plans for his clients. After graduation, he spent time working for a regional bank and a major auto lender.

When Ben became a full-time writer, he primarily covered credit cards, particularly points and miles. He's had nearly 100 credit cards over the years and earned tens of thousands of dollars in rewards. He also wrote extensively about student loans before becoming a full-time freelancer, at which point he expanded his expertise to all things personal finance.

Latest from Ben Luthi

Can I Prequalify for a Home Equity Loan or HELOC?

Not all home equity lenders offer prequalification, but those that do make it easier to...

Do You Have to Pay Off a HELOC When Refinancing?

You may not need to pay off a HELOC when you refinance, but the subordination...

Who Owns My Student Loans?

The company that owns your student loans may not be the company you applied with or even the company that services your debt....

Student Loan Forgiveness Tax Implications

If your student loans are forgiven, you may owe taxes on the canceled balance.

State Student Loans

State student loans are a form of private aid that can be used to pay for college.

Best Food Truck Loans

When starting a food truck business, you'll probably need to tap into various sources of funding. Food truck loans can include small business...

Upstart Competitors and Alternatives for Personal Loans

Upstart offers flexible loan options for borrowers of all credit scores, but compare these Upstart...

Student Loan Consolidation: The Ultimate Guide

Student loan borrowers who have more than one loan and want to simplify their repayment...

Does Refinancing an Auto Loan Hurt Your Credit?

Refinancing an auto loan can save you money and reduce expenses, but it can also...

What Is a Home Equity Loan, and How Does It Work?

Home equity loans have low interest rates and long terms, making them an excellent way...