Danny Singh is a 19-year-old financial expert who has been managing his mother's finances since age 11. He advocates for attending community college to reduce student loan debt. Singh helps families with finances through his nonprofit "Students' Finance Success" and donates proceeds from his book "Finance 101: The Whiz Kid's Perfect Credit Guide" to charity. The document outlines Singh's experience refinancing homes and cars as a young teenager to save families money and establish strong credit.

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issue for his grandmother, ensuring she was approved for credit after first being denied.
Now aged 19, Danny Singh is working to raise awareness of credit issues amongst his fellow students at Seminole
State College of Florida and further afield. His financial seminars at the college educate the students on the most
effective plans to pay off their loans and other debts. "I recommend students do the maximum number of classes at
a community or state college to get into the least amount of student loan debt, and reduce financial stress," he
said. Singh is donating all the royalties he receives from his book, Finance 101: The Whiz Kid's Perfect Credit Guide,
to the Children's National Medical Center in Washington DC to support HIV research.
Contact Information
Students' Finance Success
Danny Singh
407 496 6005
Contact
www.studentsfinancesuccess.org
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Whiz Kid's Book Advocates Community Colleges as Solution to Student Loans Crisis
Economists and business commentators are increasingly concerned about the high levels of debts carried by Americans. Danny
Singh "Financial Whiz Kid" is not taking this issue lightly.
Orlando, FL, December 23, 2012 --(PR.com)-- "The amount of
Americans in debt seems to be increasing every year and that is
a huge issue. We need to focus on spreading financial literacy,"
says 19-year-old Danny Singh. But this self-taught financial
guru is making it his goal to prevent an emerging student loans
crisis in America by educating students on how to best manage
their finances. And he should know. Singh has refinanced a
house and a car at age 14, paid the family bills on time each
month for eight years and achieved a pristine credit score for
his mother – all before he turned 19. He also raises concerns
that the student loans crisis will cause a recession in America
which could possibly be worse than the housing crisis, because
unlike home loans, student loans are not dischargeable in
bankruptcy and they have exceeded 1 trillion dollars. Singh is
now providing expert advice in his finance book, Finance 101:
The Whiz Kid's Perfect Credit Guide.
He is also running his own independent and non-profit credit
advisory agency called "Students' Finance Success" from his home in East Orlando, helping families save homes
from foreclosure, save cars from repossession, manage student loans, and helping them fix their credit reports.
Singh's own story started when he took over his mother's finances, at just 11 years old. "My mother began working
more than 60 hours a week, and she was working long hours too. She was overwhelmed by our financial situation
and turned to me for help," said Singh.
Rita Singh added her 11-year-old son as an authorized user on all of her accounts so the companies would release
her information to him. A finance whiz kid, Singh was dedicated to the cause, learning everything he could by
talking to the customer service representatives on the phone, diligently researching information on the internet,
scrutinizing the fine print on account statements and quizzing his mother.
As a result, for the past eight years he has been successfully managing his mother's IRA, paying all her bills and
making sure the deposit accounts do not pass into the red. Singh established perfect credit record for his mother –
all the while maintaining his own strong academic record. "I worked with more than 30 different banks, who have
each contributed to my skills. One major accomplishment was getting the interest rates reduced and the annual fees
removed on several of my mother's credit cards," Singh said. He didn't stop there.
Singh increased the credit limits on his mother's credit cards, linking them to checking accounts to prevent overdraft
fees, which achieved increased credit scores. The 14-year-old "finance whiz kid" was then able to refinance the
mortgage. "The mortgage interest rate was reduced to 4.86 percent fixed with a 30-year loan term. Then I set to
work refinancing the car. I asked my mother to open a new credit card, which meant I could transfer her 7 percent
interest rate car loan onto it and obtain a fixed interest rate of 3.99 percent for life," he said.
To reduce the expenses of the car and house further, Singh negotiated cheaper premiums with the insurance
companies, using his mother's new high credit scores. While proactively reducing his mother's debt, Singh's
financial diligence has also prevented some anomalies that might otherwise have gone unnoticed. "When I was 18, I
discovered my mother was being charged the wrong interest rate by a credit card company, so I simply contacted
the corporate office. The bank confirmed it was their mistake and we were refunded over $1,300 in interest and
fees," Singh said.
When a fraudulent company was found stealing money from his mother's bank accounts, Singh reported the issue
to the Better Business Bureau and the Internet Complaints Board, and then worked with the bank to return all her
money. Friends and family have also benefited from Singh's help with their mortgage problems. He solved a credit
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