Ben Luthi Profile Photo

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

Peer-to-Peer Lending: Where to Find These Loans

Peer-to-peer loans involve borrowing money from individuals instead of traditional lenders. While they're not common,...

How Does a Private Student Loan Work?

Private student loans are more complicated than federal loans and can be difficult to obtain without a cosigner.

How Do Personal Loans Work? A Guide for Beginners

Personal loans are incredibly versatile, but it's important to understand how they work and what...

Should You Pay Off Student Loans With Your 401(k)?

If you're hoping to pay off student loans with your 401(k), there are several downsides...

Should You Consolidate Your Student Loans if You Want Public Service Loan Forgiveness (PSLF)?

Student loan consolidation for PSLF could cause you to lose progress toward your goal, but...

Is It Better to Finance a Car Through a Dealer or a Bank?

If you’re planning to finance a vehicle purchase, your two options are: Obtain a loan...

Should You Use a Personal Loan in an Emergency?

Emergency personal loans can offer fast funding and long repayment terms, but some can charge...