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Holly Ittel, shown with her boyfriend, lives in New York and owes $70,000 in student loans, some carrying a 9 percent interest rate. Some people are refinancing their student debt, but others — like Ittel — are just putting it off. (Courtesy of Holly Ittel)

Student-loan refinancing saves cash

But many struggling borrowers lack steady income and good credit score required to qualify for lower rates

Flipagram community manager George Snarberg, right, and Phoenix Normand, office manager and executive assistant, sort through photo albums at Flipagram’s office in California. (Al Seib/Los Angeles Times/MCT)

Gold in video

SoCal startups surge to meet demand for latest online industry’s melding of music with visuals

Job fairs a must in work search

Preparation crucial to get most out of meeting with prospective employers

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