Welcome to the charming city of Little Rock, where southern hospitality meets modern living. With its rich history, beautiful riverfront, and thriving arts scene, Little Rock offers a unique blend of tradition and progress. Residents here enjoy a laid-back lifestyle, friendly neighborhoods, and a strong sense of community. Whether you’re looking for a cozy apartment in Little Rock or a spacious home for rent, Little Rock has something for everyone.
In this ApartmentGuide article, we’ll cut to the chase, breaking down the pros and cons of living in Little Rock. Let’s get started and see what awaits in this gem of the South.
Fast facts about living in Little Rock
Population: Approximately 200,000 residents
Average rent: $868 per month for a one-bedroom apartment
Median home sale price: $265,000
Public transit: Rock Region METRO provides bus services throughout the city
Public parks: Over 60 parks and green spaces for recreation and relaxation
Annual tourists: Approximately 6 million visitors each year
Restaurants: Over 600, offering a variety of cuisines from around the world
1. Pro: Affordable cost of living
The cost of living in Little Rock is about 18% lower than the national average. Housing costs, in particular, are significantly lower, with the median sale price for a home in Little Rock around $265,000 and the average rent for a one-bedroom apartment in Little Rock about $868 per month, making housing 18% more affordable than the national average. Additionally, utilities are 8% less expensive, groceries are 2% lower, transportation costs are 11% below average, and healthcare costs are 12% less than the national average. This lower cost of living makes Little Rock an attractive option for individuals looking to stretch their budgets further. Residents can enjoy a comfortable lifestyle while benefiting from these cost savings.
2. Con: Limited public transportation
While Rock Region METRO provides essential bus services, the public transportation system in Little Rock is limited compared to larger cities. The city has a transit score of 19, a walk score of 33, and a bike score of 34. This means that most daily errands require a car, which can be inconvenient for those who prefer not to drive or do not own a vehicle. The spread-out nature of the city and limited service hours can make commuting challenging without a car.
3. Pro: Rich history and culture
Little Rock boasts a rich history and vibrant cultural scene. The city is home to several museums, historic sites, and cultural institutions, such as the Clinton Presidential Library, the Arkansas Arts Center, and the Historic Arkansas Museum. These attractions provide residents with numerous opportunities for educational and cultural enrichment. Additionally, Little Rock hosts a variety of festivals and events throughout the year, celebrating everything from music and arts to food and heritage.
4. Con: Hot and humid summers
Little Rock experiences hot and humid summers, with temperatures often soaring into the 90s°F. The intense heat and humidity can be uncomfortable and limit outdoor activities during the peak summer months. Residents need to be prepared for the weather with proper cooling systems and hydration strategies. While the city enjoys mild winters, the summer heat can be a challenge for those not accustomed to such conditions.
5. Pro: Outdoor recreational activities
Little Rock offers a wide range of outdoor recreational activities, thanks to its scenic location along the Arkansas River and proximity to the Ouachita Mountains. Residents can enjoy hiking, biking, fishing, and boating in the numerous parks and natural areas.
Popular outdoor spots in Little Rock
Pinnacle Mountain State Park
Riverfront Park
Two Rivers Park
Burns Park
Murray Park
These locations provide ample opportunities for fitness, relaxation, and enjoying the natural beauty of the region.
6. Con: Limited job market diversity
While Little Rock has a growing economy, the job market is somewhat limited in diversity compared to larger metropolitan areas. The city’s economy is heavily influenced by government, healthcare, and retail sectors. While these industries provide job opportunities, those seeking employment in more specialized fields may find fewer options available. The city’s smaller size can also limit career advancement opportunities for some professionals.
Top employers in Little Rock
University of Arkansas for Medical Sciences (UAMS)
Baptist Health
Dillard’s
Arkansas Blue Cross Blue Shield
Arkansas Children’s Hospital
7. Pro: Strong educational institutions
Little Rock is home to several respected educational institutions, including the University of Arkansas at Little Rock (UALR) and the University of Arkansas for Medical Sciences (UAMS). These institutions offer a wide range of programs and contribute to the city’s vibrant academic atmosphere. Additionally, Little Rock has a variety of public and private schools providing quality education for everyone.
8. Con: Limited shopping options
While Little Rock has a variety of local shops and boutiques, it lacks the extensive shopping options found in larger metropolitan areas. Residents often need to travel to nearby cities for certain retail needs or high-end shopping experiences. While local malls and shopping centers provide basic necessities, the selection can be limited compared to larger cities.
9. Pro: Community-friendly environment
Little Rock is known for its strong sense of community and Southern hospitality. The city hosts numerous events and festivals throughout the year, such as the Riverfest and the Arkansas State Fair, which bring residents together and foster a sense of camaraderie. Little Rock’s neighborhoods, such as Hillcrest, Heights, and the Quapaw Quarter, offer a variety of living environments with active community associations and local initiatives that enhance the quality of life.
10. Con: Limited nightlife
While Little Rock offers a variety of dining and entertainment options, its nightlife scene is not as vibrant as larger cities. The city has a more laid-back atmosphere, with fewer late-night venues and entertainment options. Residents seeking a bustling nightlife might find the options limited, though there are still plenty of local bars, breweries, and restaurants to enjoy. For those who crave more excitement, larger cities like Memphis and Dallas are within driving distance.
11. Pro: Historic charm
Little Rock’s rich history is reflected in its architecture and historic districts. The city is home to several well-preserved historic neighborhoods, such as the Quapaw Quarter, which features beautiful homes and tree-lined streets. Downtown Little Rock also boasts historic buildings and landmarks, including the Old State House Museum and the Robinson Center, adding to the city’s unique character and charm.
12. Pro: Culinary diversity
Little Rock is home to a diverse culinary scene, with a variety of restaurants offering cuisines from around the world. From Southern comfort food to international delights, the city has something to satisfy every palate. Food festivals, such as the Main Street Food Truck Festival and the Arkansas Cornbread Festival, showcase the city’s culinary creativity.
Direct Link to offer (keep in mind, you can’t signup online)
When you open an M&T Business Rewards Credit Card, earn 25,000 Bonus Rewards Points by making $2,500 in purchases within the first 90 days of account opening.
The card also offers 0% introductory APR on purchases for 9 billing cycles. Variable APR is 18.49% and 25.49% after intro period.
Card Details
1.5 points per dollar spent.
Points can be redeemed as a statement credit to your card, cash into your M&T business checking account or other reward options.
0% introductory APR on purchases for 9 billing cycles. Variable APR is 18.49% and 25.49% after intro period.
No annual fee or foreign transaction fees.
Our Verdict
Not a bad signup bonus, especially given the 0% APR into offer and given the fact that there’s a report indicating M&T won’t business cards to the personal bureaus. The branch sign up will kill the deal for a lot of people; I wonder whether it’s possible to sign up over the phone, as the landing page seems to suggest. It might also be interested to someone who is going in-branch anyway for this M&T business checking bonus.
Looking for the best ways to get free money from the government? Getting free money from the government might sound too good to be true, but there are actually several ways you can receive financial assistance. From helping with monthly expenses to finding unclaimed funds, these programs and resources can be a big help. The…
Looking for the best ways to get free money from the government?
Getting free money from the government might sound too good to be true, but there are actually several ways you can receive financial assistance. From helping with monthly expenses to finding unclaimed funds, these programs and resources can be a big help. The key is knowing where to look and meeting eligibility requirements.
This article will show you different ways to get extra money from the government. Whether you need help with your bills or want to get back money that belongs to you, there are many options for you.
Best Ways To Get Free Money From the Government
Below are the best ways to get free money from the government – for housing, children, health insurance, food, and more.
1. Apply for unemployment benefits
If you lose your job, you might be eligible for unemployment benefits. These benefits can help you cover some of your expenses while you look for a new job.
To qualify, you usually need to have worked a certain amount of time in the past year. Each state has its own rules, so you should check your state’s specific requirements.
You can apply for unemployment benefits online or by phone, and be ready to provide details about your recent jobs and earnings. This will help determine how much you can get each week.
The benefit amount is based on a percentage of your earnings from your previous job. It can range from about 40% to 60% of your past earnings. This money can be a helpful bridge while you search for new work.
Each week, you’ll need to report if you’re still unemployed and looking for a job. Some states may also ask you to document your job search activities so it’s important to follow these rules to keep receiving benefits.
Unemployment benefits probably won’t cover all your expenses, but they can make a tough time a little easier. Remember to apply as soon as you lose your job to start getting support right away.
2. Check for child tax credits
Child tax credits can be a big help for families.
You might be able to get money back from the government if you have kids such as for childcare or for just having children. The amount you can get depends on your income and the number of kids you have.
The Child Tax Credit now gives up to $2,000 for each child.
Make sure you check if you qualify for these credits. You can find out more by visiting the IRS website or talking to a tax expert.
3. Women, Infants, and Children (WIC)
The Women, Infants, and Children (WIC) program helps pregnant women, new mothers, and young children get healthy foods. This program is a great way to get extra help when you need it the most, and this is free government money for low-income families. It’s focused on keeping you and your little ones healthy and well-fed.
If you’re pregnant, you can get help right away and continue to receive it for up to six months after giving birth. If you have children, they have to be under the age of 5.
To qualify, you need to meet income guidelines and show that you are at nutritional risk. This can include being underweight or having a diet low in essential nutrients. WIC then provides monthly benefits that can be used to buy specific foods like milk, eggs, and fruits.
To apply, you need to contact your state or local WIC office (you can start by Googling “WIC + your state name”). They will tell you what documents to bring and where to go for your appointment.
4. Use SNAP for food assistance
SNAP stands for Supplemental Nutrition Assistance Program. It’s a government program that helps low-income families buy healthy food. If you qualify, you get an EBT card loaded with funds every month.
Using SNAP is easy. You can use your EBT card at most grocery stores and it works just like a debit card.
To qualify for SNAP, you need to meet certain income and other eligibility requirements. These can include having a low income based on your household size.
SNAP can be a huge help if you’re struggling to afford groceries. It allows you to buy essential foods like fruits, vegetables, meats, and dairy products.
5. Free and reduced breakfast and lunch at school
Your child may be able to get free or reduced-price meals at school through several programs, and these programs make sure kids have healthy meals every day.
The most well-known program is the National School Lunch Program (NSLP). It provides low-cost or free lunches to millions of children in public and nonprofit private schools.
Schools many times also have the School Breakfast Program. This is similar to the lunch program but focuses on providing a nutritious morning meal.
In addition to these programs, there is the Special Milk Program. This program provides milk to children who do not participate in other meal programs.
Some schools offer the Community Eligibility Provision (CEP). This allows schools in high-need areas to serve breakfast and lunch at no cost.
To find out if your child is eligible, check with your school. They can guide you through the application process and let you know what your child qualifies for.
6. Seek Temporary Assistance for Needy Families (TANF)
Temporary Assistance for Needy Families (TANF) is a government program that can help you if you’re facing hard times. It provides financial aid to families with children who are struggling to make ends meet and can help with childcare, job training, and finding work.
To apply for TANF, you need to contact your local TANF office. They will help you through the application process and let you know what documents you need.
It’s important to know that each state runs its own TANF program, so the benefits and services might vary. Be sure to ask your local office (you can also reach out to the U.S. Department of Health and Human Services) what specific help they can offer.
7. Low-Income Home Energy Assistance Program (LIHEAP)
If you need help paying your energy bills, you might qualify for the Low-Income Home Energy Assistance Program (LIHEAP). This program helps low-income households with their heating and cooling costs.
LIHEAP provides federal funds to reduce energy costs. This can include help with your energy bills and dealing with energy crises.
You can also get help making your home more energy-efficient. This is known as weatherization and might include things like adding insulation or fixing drafty windows.
8. Early Intervention and Head Start
Early Intervention services are great for families with young children who have special needs. These services help kids from birth to age three. They offer things like speech therapy, occupational therapy, and more. Most services are free, and others have a sliding scale fee. They make sure your child gets the help they need, even if you can’t pay.
Head Start programs are for kids aged three to five. They help with early learning and development. Head Start also supports families with health and dental services.
Both Early Intervention and Head Start focus on getting kids ready for school. They help children learn and grow in important ways and also support families by connecting them to resources they may need.
You can usually self-refer your child to these programs (each state has its own), or ask your pediatrician for a referral.
9. Apply for college grants
College grants are a great way to get free money for school. Unlike loans, you don’t have to pay back grants. They can help cover your tuition, books, and other school expenses.
One of the most well-known grants is the Pell Grant. For the 2023-24 school year, the maximum Pell Grant is $7,395. This grant is for students with financial need.
Another option is the Federal Supplemental Educational Opportunity Grant (FSEOG). This is for students with exceptional financial need. The amount you can get depends on your school and your financial situation.
To apply for these grants, you’ll need to complete the Free Application for Federal Student Aid (FAFSA). The FAFSA helps the government determine how much aid you qualify for.
Many states and schools also offer their own grants. Check with your school’s financial aid office to see what you might be eligible for. It’s a good idea to apply for as many grants as you can.
Grants can make a big difference in paying for college, so it’s worth the effort to apply. Make sure to look for scholarships too!
10. Public Student Loan Forgiveness (PSLF) program
The Public Student Loan Forgiveness (PSLF) program can help if you work in public service. This includes jobs like teaching, nursing, firefighting, and more. If you work in these fields and have federal student loans, you may be able to get your remaining loan balance forgiven after ten years of payments.
To qualify, you must work full-time for a qualified government or nonprofit organization. You also need to make 120 qualifying monthly payments under a qualifying repayment plan. Only payments made after October 1, 2007, count toward the 120 payments required.
The program mainly benefits people who work in low-paying, but important, public service jobs. It’s a way to give back while also getting financial relief. Though the application process can be long and require careful tracking, many find the effort worth it when their loans are wiped out.
11. Claim Earned Income Tax Credit (EITC)
The Earned Income Tax Credit (EITC) gives low- to moderate-income workers and families a tax break.
If your income is under a certain amount, you might qualify. This credit can either reduce the taxes you owe or increase your refund. For 2024, the EITC amounts can go up to $3,995, based on your income and family size.
To claim the EITC, you need to file a tax return, even if you do not owe any taxes. You should fill out Form 1040 and a Schedule EIC if you have qualifying children.
12. Get housing vouchers
Housing vouchers are a great way to get help with rent. They are commonly known as Section 8. These vouchers help low-income families, seniors, and people with disabilities afford safe and decent housing.
To get a voucher, your income must be below a certain level and this varies by location and family size.
With a voucher, you can choose any housing that meets program requirements. This gives you some freedom to pick a home that suits your needs best. The government will pay part of the rent, making it more affordable for you.
13. See if you qualify for down payment assistance
Buying a home can be tough, especially when it comes to saving for a down payment. That’s where down payment assistance programs can help prospective homeowners.
These programs come in many forms. You might find grants, loans, or other types of aid to help you with the down payment. Each state offers different programs and some are more generous than others.
To qualify, you’ll need to meet certain requirements. These can include income limits or being a first-time homebuyer.
14. Apply for Supplemental Security Income (SSI)
Supplemental Security Income (SSI) is a program that gives monthly payments to people who are disabled, blind, or over 65 and have limited income. You may get help with food, rent, and medical bills.
To apply for SSI, visit the Social Security Administration (SSA) website. There, you can find the application forms and details about the process. You may need to provide information about your finances and living situation.
The application can be done online, by phone, or in person. If you’re under 18 or applying for someone under 18, there are special forms for children.
15. Look for health insurance in the marketplace
We all know that health insurance can be very expensive. Before you skip it, I highly recommend comparing pricing of health insurance on the Health Insurance Marketplace to see if you can find something more affordable for you and your family.
It’s a great way to get coverage and possibly save money. Sometimes, if you qualify, you can get free or low-cost health insurance plans.
Go to Healthcare.gov to start, and each state has its own Marketplace, so follow the specific steps for your state. It can be a little confusing, so make sure you have no distractions and can spend some time doing this.
During the open enrollment period, you can choose a new plan or keep your current one. If you’ve had a big life event, like losing your job, you might qualify to sign up outside the usual enrollment times.
16. Medicaid
Medicaid is a state and federal program that helps people with low incomes get health care. If you qualify, you can receive free or low-cost medical services, like doctor visits, hospital stays, and even prescription drugs.
Medicaid is especially helpful for families, pregnant women, seniors, and people with disabilities.
One of the best parts is that Medicaid covers a wide range of services – you can get help with dental care, mental health services, and even long-term care.
Your income and family size usually determine if you can get Medicaid.
17. Search for unclaimed money
You might have unclaimed money waiting for you. This money comes from many sources like unpaid wages, forgotten bank accounts, or unclaimed insurance benefits.
You can check by going to unclaimed.org, the website managed by the National Association of Unclaimed Property Administrators (NAUPA).
Each state has its own database for unclaimed property. Check your state’s website to see if there is money owed to you.
Frequently Asked Questions
There are several ways you can get money from the government to help with different needs, like paying for food or getting extra support if you don’t make a lot of money.
What ways can I get money from the government?
There are many ways to get free government money. You can apply for unemployment benefits if you lose your job. Families can also check for child tax credits, which give extra money for children. Programs like WIC and SNAP can help with paying for food, and students can get free and reduced breakfast and lunch at school.
How can I get help from the government if I don’t make a lot of money?
Low-income families can use programs like WIC (Women, Infants, and Children), SNAP (Supplemental Nutrition Assistance Program), TANF (Temporary Assistance for Needy Families), LIHEAP (Low-Income Home Energy Assistance Program), and more to get help from the government if they don’t make a lot of money.
How can I borrow money from the government?
The government offers student loans for education through programs like FAFSA. Small businesses can apply for loans from the Small Business Administration (SBA). There are also some loan programs based on specific needs like starting a farm or buying a home.
What is FAFSA?
FAFSA stands for Free Application for Federal Student Aid. It’s a form that students fill out to get financial aid for college. It can help you get grants, loans, and work-study opportunities to pay for your education.
Can I borrow money from my social security benefits?
No, you cannot borrow money from your Social Security benefits. Social Security is designed to provide income during retirement or if you become disabled, so it’s not a source of loans or advance cash.
Is there free grant money for bills and personal use?
Yes, there can be grants for specific needs like paying utility bills or home repairs. You might also find grants for education, food, and health care. Check with local and federal agencies to see if you qualify for any of these grants.
How do I find out if I qualify for any government assistance?
You can visit government websites or contact local agencies. Many state and local governments have online tools to check your eligibility. It’s also helpful to reach out to community organizations that can guide you through the application process.
How To Get Free Money From the Government – Summary
I hope you enjoyed this article on the best ways to get free money from the government.
There are many ways to get free money from the government, such as for housing, to help pay for your children’s expenses, to afford health insurance, to buy food, and more.
Note: There may be changes or updates to the free government programs above. I recommend contacting the program to learn more. Also, please be sure to stay safe with your sensitive information and only use official websites (look for .gov websites and official government organization websites to start with to avoid scams).
What do you think of these free government programs? Have you ever used any of the ways above to get free money from the government?
According to NerdWallet’s 2024 Summer Travel Report, Americans who plan to travel this summer expect to spend $3,594, on average, on airfare or hotel expenses on their vacations. If you and your partner want to get away on a budget, you’ll need to choose your destination wisely.
Fortunately, there are many cheap romantic getaways that can help you cut costs without sacrificing romance and quality experiences. Here are five vacation ideas for couples to spark your wanderlust.
1. New Orleans, Louisiana
New Orleans offers a vibrant culture, nightlife and historical sites for visiting couples on a budget. Once you’ve settled in upon arrival, start your visit with beignets at the iconic Cafe Du Monde. This deep-fried pastry is generously smothered in powdered sugar, and one order includes three pieces for $3.85.
From there, take a leisurely stroll through the French Market, and ride a street car for only $1.25 per person to take you to your next activity.
During New Orleans’ peak season of February through May, you can still find many hotels in the French Quarter, the city’s oldest and most historic neighborhood, at less than $150 per night.
Other affordable things to do: Catch a live street performance of jazz music on Frenchmen Street, see the architecture of the St. Louis Cathedral for free or take a self-guided walking tour of the Garden District.
2. Portland, Oregon
Outdoorsy couples will love the abundant greenery, trails and waterfalls that Portland, Oregon, has to offer. For instance, Forest Park — located within city limits — overlooks the Willamette River and is home to more than 80 miles of lush trails.
Couples who prefer staying on pavement also can appreciate the city’s unique sights. Visit the International Rose Test Garden which has more than 610 rose varieties, or thumb through books at Powell’s City of Books, the largest independent new and used bookstore in the world.
Hotel accommodations in Portland at the start of the peak season in late June are below $150 per night. For the most frugal couples, there are also plenty of private and intimate Airbnb options for under $100 per night.
Other affordable things to do: Visit Hoyt Arboretum, go biking along the Willamette River or go food truck hopping for affordable bites.
3. Key West, Florida
It’s no surprise that summertime is a popular period of the year to soak in the tropical vibes and coastline of Key West, Florida, with your significant other. You can have a relaxing picnic on the sand for two and then go snorkeling at Fort Zachary Taylor Historic State Park.
When you’re back on land, wander through the historic Old Town together and consider visiting the unique Key West Shipwreck Museum, which starts from $17.99 per person.
Like many beach destinations during peak season, hotel stays can be pricey. However, some Key West accommodations, like the Hilton Garden Inn Key West Hotel, offer summer rates under $200 per night.
🤓Nerdy Tip
Several co-branded Hilton credit cards are available, including one without an annual fee, and offer perks like automatic elite status in the Hilton Honors program.
Other affordable things to do: Watch a pink sunset at Mallory Square (a waterfront plaza), visit the Ernest Hemingway House Museum or take a commemorative photo at the Southernmost Point of the Continental U.S.A. buoy.
4. Lake Tahoe, California/Nevada
If the idea of staying in a cozy cabin or lodge is more your pace, some of the best cheap romantic getaways can be found in the towns surrounding Lake Tahoe, which sits across the California and Nevada state lines. You’ll enjoy scenic views of the Sierra Nevada mountains and the lake’s crystal waters.
Riding the Heavenly Gondola offers breathtaking 360-degree views, if you’re willing to budget $75 per person for a round-trip ticket. If you would rather be in nature than above it, plan a picnic or take a guided tour at Emerald Bay State Park.
For an ethereal and minimalist experience, spend a night stargazing together to end your day with tranquility.
Wherever you’re looking for hotels around the lake, you can typically find accommodations under $150 per night.
Other affordable things to do: Hike Eagle Falls Trails, which ends at a waterfall, sunbathe and swim at Zephyr Cove, or visit Truckee Thursdays Summer Street Festival.
5. Albuquerque, New Mexico
If you’re planning a cheap vacation for couples in the fall, Albuquerque, New Mexico, can be a romantic destination. During the first full week of October, hundreds of hot air balloons take flight for the Albuquerque International Balloon Fiesta.
A hot air balloon ride can be costly (about $275 per person), but general admission tickets are just $15 per person, per session, which is typically half-day access on any day of the Fiesta.
You’ll find many hotels and other accommodations that are reasonably priced at less than $150 per night during the event.
Other affordable things to do: Walk through the shops and art galleries in the city’s Old Town neighborhood, birdwatch at the Rio Grande Nature Center State Park or learn about local cultures at the National Hispanic Cultural Center.
Cards for couples’ travel
If you want to make your getaway even more affordable, consider opening one of these travel cards and earning the welcome bonus:
Popular travel cards
The Platinum Card® from American Express
Capital One Venture Rewards Credit Card
Chase Sapphire Preferred® Card
on Chase’s website
Citi Strata Premier℠ Card
Annual fee
Welcome offer
Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Terms Apply.
Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening – that’s equal to $1,000 in travel.
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Travel℠.
Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com.
Still not sure?
Affordable vacations for couples are within reach
With travelers feeling the pinch of inflation for day-to-day goods, planning ahead for a romantic but affordable vacation is that much more essential. Whether you and your partner are looking to relax and unplug, or seek out new experiences and adventure together, one of the destinations above is likely a fit.
The MAA said adding the Homebuyers Privacy Protection Act to the NDAA would mark a “critical step towards curtailing the consumer harm resulting from firms seeking to confuse and/or deceive mortgage applicants by inundating them with phone calls or direct mail solicitations.” Its message urged members to contact their Senators and lobby them to cosponsor … [Read more…]
Student loans are a type of financial aid option that lets you borrow a lump sum of money upfront that you’ll repay over time later, with interest. Some students are unclear whether a student loan is a secured or unsecured debt.
Both federal and private student loans are considered unsecured debt. Keep reading to learn more on secured loans versus unsecured loans, pros and cons of each, and why student loans are considered an unsecured form of debt.
What Are Secured Loans?
A secured loan is a type of debt that requires borrowers to provide the lender with an asset of value to back the loan. This asset is called collateral. Collateral could be your home, your car, other property that has monetary value, a savings account, jewelry, and more. The type of collateral you put up is stated in the loan agreement.
If a borrower defaults on their loan and doesn’t pay it back, the lender can take actions to seize possession of the collateral. It then uses the proceeds from the sale of the collateral to recover the unpaid debt.
Common types of secured loans include:
• Mortgage loans
• Home equity loans
• Auto loans
• Some personal loans
Lenders typically view secured loans as less risky to their bottom line since the promised collateral offers them at least some financial protection. In turn, secured loans might offer lower interest rates compared to unsecured loans.
Certain secured loans are also designed as accessible financing for individuals whose credit doesn’t qualify for an unsecured loan.
What Are Unsecured Loans?
An unsecured loan is an installment loan that doesn’t require an asset or collateral upfront to secure the debt. Since this type of loan doesn’t offer an asset-based guarantee to the lender, the borrower must demonstrate a strong likelihood that they’ll repay the debt.
A positive and extensive credit history, consistent and sufficient income, and low credit utilization are some markers that lenders use to determine how risky a borrower is for an unsecured loan. Additionally, since lenders don’t have access to collateral to fall back on in the event of default, unsecured loans generally have higher interest rates.
Credit cards, some personal loans, and private student loans are considered unsecured loans.
Pros and Cons of Secured vs Unsecured Loans
Secured and unsecured loans have their own advantages and downsides. Furthermore, some benefits are only for certain types of secured or unsecured loans. Before signing a loan agreement, it’s important to understand the pros and cons of each option.
Secured Loans
Unsecured Loans
Pros
• More accessible for certain borrowers
• May offer lower interest rates
• Might qualify for larger loan amount
• Certain loans might qualify for tax deductions
• No risk of lost collateral
• Application process might be more straightforward
• Might offer convenient features or perks
• Student loans might qualify for tax benefits
Cons
• Collateral required upfront
• Risk losing collateral if you default
• More stringent borrowing criteria
• Interest rates may be higher
How Federal Loans Differ From Typical Debt
Students often wonder whether federal student loans are secured or unsecured debt. Both federal loans and private education loans are unsecured debt. However, federal loans have significant perks and protections that private student loans don’t offer.
Unlike private student loans that require a minimum credit score or cosigner, most federal student loans don’t require a credit check or a cosigner to qualify for a loan. The Direct PLUS Loan is the only federal loan that requires a credit check, but borrowers with adverse credit can still access a Direct PLUS Loan by completing a few additional steps.
Federal loan rates are fixed, meaning your monthly payment won’t change throughout your repayment term. With federal subsidized Direct Loans, the Department of Education pays for interest that accrues while your loan is in deferment (e.g., while you’re in school). Conversely, other unsecured loans aren’t subsidized and might have variable interest rates that change throughout your repayment period, making it hard to anticipate your budget every month.
You’ll also have access to a range of repayment options, including income-driven repayment (IDR) plans, which are exclusive to federal student loans. Some borrowers qualify for a required payment of $0 per month while enrolled in an IDR plan. Finally, federal student loans are eligible for federal student loan forgiveness programs that cancel a portion of your student debt after meeting minimum program requirements.
Managing Your Student Loan Debt
Getting a handle on your unsecured student loan debt can feel challenging as you balance other areas of your life. Below are a few strategies to help you manage your student loans:
• Make in-school interest-only payments. If you can afford to, consider paying off the monthly interest that accrues while your loan is on in-school deferment. This applies to both unsubsidized federal loans and private loans. Making these small but meaningful interest payments can help you avoid interest capitalization (i.e., paying interest on interest) later.
• Track when your loan payments are due. Be aware of your loan due dates and minimum payments each month. Late payments or missing a payment altogether can have a negative effect on your credit score, since loan repayment history is reported to the major credit bureaus.
• See if you qualify for loan forgiveness or loan repayment assistance. The Department of Education offers a few forgiveness and cancellation programs for eligible borrowers with qualifying loans, like the Public Service Loan Forgiveness program for government and nonprofit employees. Some states also offer loan repayment assistance programs to workers in certain professions, like health care, social work, and law.
• Reach out to your loan servicer or lender. If you’re struggling to make your student loan payment, your loan servicer or lender is your best resource. They can guide you through relief options that are accessible to you, whether that’s getting on a different repayment plan or temporary forbearance.
The Takeaway
A student loan is unsecured debt. Having to put forward collateral to get a student loan is a roadblock that you fortunately don’t have to worry about.
If you’ve exhausted all federal student aid options, no-fee private student loans from SoFi can help you pay for school. The online application process is easy, and you can see rates and terms in just minutes. Repayment plans are flexible, so you can find an option that works for your financial plan and budget.
Cover up to 100% of school-certified costs including tuition, books, supplies, room and board, and transportation with a private student loan from SoFi.
FAQ
Are student loans considered secured or unsecured?
Student loans are considered unsecured debt, meaning they don’t require collateral from you as a condition of securing the loan. Since there’s no collateral tied to the loan, if you default on the debt, the lender might choose to take you to court in an attempt to collect some or all of the debt.
Is it possible to get a secured student loan?
No. Student loans are a form of unsecured debt. No collateral is required to get a student loan, whether you’re borrowing a federal or private student loan.
How are federal student loans different from private?
Federal student loans are guaranteed and funded by the U.S. Department of Education. They offer exclusive fixed rates, established annual and aggregate loan limits, non-credit-based eligibility criteria, and access to income-based repayment plans and loan forgiveness.
Private student loans are provided by private financial institutions, like banks, credit unions, online lenders, and schools. Private lenders offer fixed or variable loan rates, which differ between lenders. Your eligibility for a private loan involves various factors, like your income and credit history, and repayment terms and plan options vary.
Photo credit: iStock/DNY59
SoFi Private Student Loans Please borrow responsibly. SoFi Private Student Loans are not a substitute for federal loans, grants, and work-study programs. You should exhaust all your federal student aid options before you consider any private loans, including ours. Read our FAQs.
SoFi Private Student Loans are subject to program terms and restrictions, and applicants must meet SoFi’s eligibility and underwriting requirements. See SoFi.com/eligibility-criteria for more information. To view payment examples, click here. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change.
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Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.
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Tax Information: This article provides general background information only and is not intended to serve as legal or tax advice or as a substitute for legal counsel. You should consult your own attorney and/or tax advisor if you have a question requiring legal or tax advice.
Thinking about calling the Ocean State home? Rhode Island boasts beautiful coastal landscapes, lively urban areas, and a growing tech industry, making it a popular choice for newcomers. Whether you’re searching for homes for sale in Providence, looking to rent in Newport, or considering houses for rent in Warwick, here’s what you need to know before moving to Rhode Island.
Rhode Island at a glance
Rhode Island, known as the Ocean State, provides coastal beauty, lively culture, and economic diversity. Its humid continental climate brings warm summers and cold winters, perfect for enjoying its 400 miles of coastline. Providence, the capital, anchors the state’s largest cities, alongside Warwick and Cranston, each offering a mix of urban amenities and residential charm. Major industries include healthcare, education, manufacturing (especially jewelry), and a growing tech sector. Renowned educational institutions like Brown University and the Rhode Island School of Design contribute to a rich cultural landscape, highlighted by festivals, museums like the RISD Museum, and events like WaterFire. Affordable places to live are particularly found in smaller towns and coastal communities, making Rhode Island an appealing choice for those seeking a balanced lifestyle of culture, education, and coastal living.
1. Rhode Island is well-known for its WaterFire event
Rhode Island is renowned for its spectacular WaterFire event, an experience that transforms Providence’s rivers into a glowing spectacle. Held from late spring through autumn, WaterFire features over 80 braziers set alight along the rivers, accompanied by music. Performers, including fire twirlers, musicians, and dancers, enhance the atmosphere, creating a multi-sensory experience for attendees. You can walk along the riverbanks, enjoy the scents of wood smoke and seasonal blooms, and explore art installations and local vendor stalls that appear during the event.
Travel tip: Arrive early to secure a good viewing spot, and consider bringing a blanket or portable chair for comfort. For an even more memorable experience, book a gondola ride to enjoy the illuminated rivers from the water and gain a unique perspective of the event.
2. It’s expensive to live here
Living in Rhode Island comes with a high cost of living, particularly in sought-after areas like Providence and Newport. The median home sale price in Rhode Island is around $522,100, with rental averages for a one-bedroom apartment in Providence hovering around $2,075 per month. Groceries, utilities, and general expenses also surpass the national average, making day-to-day living more expensive. In fact, the cost of living in Providence is 12% higher than the national average. Comparatively, cities like Coventry and Cranston offer more affordable options, though they still reflect the overall higher cost of the state.
When considering a move, it’s essential to weigh the pros and cons of living in Rhode Island. The state offers stunning coastal landscapes, making it an attractive place to live. However, the high cost of living and elevated property taxes can be significant drawbacks.
3. Rhode Island has many seafood specialities
You’ll find a rich seafood heritage in Rhode Island, with many local specialties that seafood lovers will enjoy. Clam cakes and clam chowder are regional favorites, with the creamy, flavorful chowder often distinguished by its unique, clear broth. Another local delicacy is the stuffed quahog, a savory clam-filled dish that’s a staple at many seafood restaurants.
Insider scoop: For an authentic taste of Rhode Island, visit the iconic Monahan’s Clam Shack in Narragansett for some of the best clam cakes and chowder in the state.
4. Get ready to hear many different accents
In Rhode Island, you’ll encounter a fascinating array of accents that reflect the state’s diverse cultural and historical influences. In Providence, the accent tends to blend elements of Boston and New York speech patterns, featuring distinctive pronunciations and local slang. Venture to the coastal towns, and you might notice a more laid-back, maritime lilt in the speech, influenced by the state’s rich seafaring history. In contrast, the southern regions, such as Newport, exhibit a more neutral accent with subtle regional variations.
5. Rhode Island is less than 40 minutes wide
As the smallest state in the nation, Rhode Island spans less than 40 minutes from east to west, making it remarkably compact. Living in Rhode Island means enjoying a tiny yet vibrant state that packs a lot into its limited space, from the scenic coastal beauty of its beaches to the historic charm of its colonial-era towns. You can easily explore a range of experiences in a single day, whether it’s strolling through Providence’s bustling downtown, relaxing on the shores of Newport, or enjoying the quaint atmosphere of Wickford.
6. There are many quaint towns to explore
Rhode Island is dotted with charming, small towns that each offer their own unique appeal. Places like Newport, with its historic mansions and stunning coastal views, and Bristol, known for its well-preserved colonial architecture and Main Street, provide a quintessential New England experience. Additionally, towns like Narragansett and Wickford provide beautiful waterfronts and a relaxed, small-town atmosphere.
7. The property taxes are among the highest in the nation
Property taxes in Rhode Island are among the highest in the nation, a significant consideration for anyone planning to become a homeowner. With an effective property tax rate of about 1.30%, Rhode Island ranks in the top tier for tax burden on homeowners. For renters thinking of becoming homebuyers, it’s crucial to factor in these additional costs when budgeting for a home purchase.
8. The state’s infrastructure faces challenges
Rhode Island’s infrastructure faces significant challenges, a factor that should be carefully considered by anyone planning to move to the state. Issues such as aging roadways, frequent traffic congestion, and outdated public transportation systems can pose daily inconveniences for residents. The state’s road conditions are often cited as some of the worst in the country, with potholes and ongoing construction projects causing delays and damage to vehicles.
9. Independence day is a big deal
Independence Day is a major event in Rhode Island, celebrated with unparalleled enthusiasm and community spirit. The town of Bristol is especially renowned for its Fourth of July festivities, hosting the oldest continuous Independence Day celebration in the United States, dating back to 1785. The celebration includes a spectacular parade, fireworks, concerts, and various activities, drawing visitors from across the state to celebrate.
Methodology
Population data sourced from the United States Census Bureau, while median home sale prices, average monthly rent, and data on affordable and largest cities are sourced from Redfin.
Knoxville, nestled in the heart of East Tennessee, is known for its rich history, vibrant arts scene, and close proximity to the Great Smoky Mountains. With its blend of Southern charm and modern amenities, Knoxville attracts people from all walks of life. However, living in this dynamic city comes with its own set of advantages and challenges. Whether you’re considering a historic apartment in Old North Knoxville or a modern apartment downtown Knoxville, this Redfin article will help you weigh the pros and cons of living in Knoxville.
Fast facts about living in Knoxville
Population: Approximately 190,000 residents
Average rent: $1,320 per month for a one-bedroom apartment
Median home sale price: $334,800
Public transit: Knoxville Area Transit (KAT) provides bus services throughout the city
Public parks: Over 100 parks and green spaces for recreation and relaxation
Annual tourists: Approximately 13 million visitors each year
Restaurants: Over 700, offering a variety of cuisines from around the world
1. Pro: Proximity to nature
Knoxville’s location near the Great Smoky Mountains National Park provides residents with easy access to outdoor activities like hiking, camping, and fishing. The city’s numerous parks and greenways, such as Ijams Nature Center and the Knoxville Urban Wilderness, offer plenty of opportunities for recreation and relaxation. This close connection to nature makes Knoxville a haven for outdoor enthusiasts.
Popular outdoor spots in Knoxville
House Mountain State Natural Area
Concord Park
Mead’s Quarry Lake
Seven Islands State Birding Park
Victor Ashe Park
2. Con: Limited public transportation
While Knoxville Area Transit (KAT) provides essential bus services, the public transportation system in Knoxville is limited compared to larger cities. The city has a transit score of 27, a walk score of 31, and a bike score of 30. This means that most daily errands require a car, which can be inconvenient for those who prefer not to drive or do not own a vehicle. The spread-out nature of the city and limited service hours can make commuting challenging without a car.
3. Pro: Affordable cost of living
Knoxville is known for its affordable cost of living, which is about 24% lower than the national average. Housing, in particular, is reasonably priced, with the median sale price for a home in Knoxville around $334,800 and the average rent for a one-bedroom apartment in Knoxville about $1,320 per month. Utilities are 9% less, transportation costs are 11% less, and healthcare expenses are 12% less than the national average. This lower cost of living in Knoxville makes it an attractive option for individuals looking to stretch their budgets further.
4. Con: Weather variability
Knoxville experiences a range of weather conditions, from hot and humid summers to cold winters with occasional snowfall. The city’s weather can be unpredictable, with sudden changes in temperature and frequent rain during the spring and fall. This variability can be challenging for residents to adjust to and requires preparation for different weather scenarios throughout the year.
5. Pro: Strong educational institutions
Knoxville is home to several respected educational institutions, including the University of Tennessee (UT), which is a major research university with a wide range of programs. The presence of UT contributes to a vibrant academic atmosphere and provides numerous cultural and sporting events. Additionally, there are various public and private schools offering quality education for locals.
6. Con: Limited job market diversity
While Knoxville has a growing economy, the job market is somewhat limited in diversity compared to larger metropolitan areas. The city’s economy is heavily influenced by the University of Tennessee and industries such as manufacturing, healthcare, and retail. While these sectors provide job opportunities, those seeking employment in more specialized fields may find fewer options available.
7. Pro: Vibrant arts and culture scene
Knoxville boasts a vibrant arts and culture scene, with numerous galleries, theaters, and music venues. The city is home to the Knoxville Museum of Art, the historic Tennessee Theatre, and the Bijou Theatre, which host a variety of performances and exhibitions. Knoxville also has a thriving music scene, with live performances ranging from bluegrass and country to rock and jazz. This cultural richness provides residents with plenty of opportunities for entertainment and artistic engagement.
8. Con: High humidity
Knoxville’s climate, while generally pleasant, comes with high humidity levels, especially during the summer months. The humidity can be uncomfortable and make outdoor activities less enjoyable. High humidity can also affect indoor comfort and increase the reliance on air conditioning, leading to higher utility costs. Residents need to be prepared for the humid conditions and take measures to stay cool and hydrated.
9. Pro: Community-friendly environment
Knoxville is known for its strong sense of community and Southern hospitality. The city hosts numerous events and festivals throughout the year, such as the Dogwood Arts Festival and the Big Ears Festival, which bring residents together and foster a sense of camaraderie. Knoxville’s neighborhoods, such as Sequoyah Hills, Bearden, and Fountain City, offer a variety of living environments with active community associations and local initiatives that enhance the quality of life.
10. Con: Limited nightlife
While Knoxville offers a variety of dining and entertainment options, its nightlife scene is not as vibrant as larger cities. The city has a more laid-back atmosphere, with fewer late-night venues and entertainment options. Residents seeking a bustling nightlife might find the options limited, though there are still plenty of local bars, breweries, and restaurants to enjoy. For those who crave more excitement, larger cities like Nashville and Atlanta are within driving distance.
11. Pro: Historic charm
Knoxville’s rich history is reflected in its architecture and historic districts. The city is home to several well-preserved historic neighborhoods, such as Old North Knoxville and Fourth & Gill, which feature beautiful homes and tree-lined streets. Downtown Knoxville also boasts historic buildings and landmarks, including the Market Square and the Sunsphere, adding to the city’s unique character and charm.
13. Pro: Growing job market
Knoxville has a growing job market, with opportunities in various sectors such as education, healthcare, and manufacturing. The University of Tennessee, Knoxville, is a major employer, along with Oak Ridge National Laboratory and several healthcare providers. The city’s economy is expanding, attracting new businesses and industries, which enhances job prospects and economic stability.
Top employers in Knoxville
University of Tennessee, Knoxville
Oak Ridge National Laboratory
Tennessee Valley Authority (TVA)
Pilot Flying J
Covenant Health
14. Pro: Iconic landmarks
Living in Knoxville means having iconic landmarks and attractions at your doorstep. From the historic Market Square to the picturesque Sunsphere, these sites contribute to the city’s unique character and charm.
Update 7/18/24: Promotion now live. You get 200 points for registering and then 10,000 points for spending $7,000 by September 21, 2024.
The Offer
Direct link to offer
Marriott is teasing an exclusive offer for existing American Express & Chase cardholders. The deal will go live on July 18, 2024
Our Verdict
Cards need to have issued by April 1, 2024 for American Express cards and June 20, 2024 for Chase cards to be eligible for this offer. I don’t expect this to be very good as we saw a spend $7,000, get 10,000 points offer last year but maybe they will prove me wrong.
Airlines, including Delta Air Lines, use dynamic pricing for ticket sales. As a result, the cost of flights between the same cities can vary greatly. This variability is influenced not only by the class of service, but also by the specific type of ticket, known as the fare class.
Delta’s cabin classes range from basic economy to Delta One (first class on international and long-haul domestic flights). Then, these cabin classes are divided into ticket or fare classes, which can also affect the price of the ticket.
Let’s examine the Delta cabin classes and class codes to understand what is included in each ticket type and why you should care.
What are fare classes, and why do they matter?
Fare classes (sometimes called “buckets”) are different ticket types within the same cabin class.
For example, Delta One may have multiple fare classes, such as fully refundable, changeable for a fee and nonrefundable. Each fare class is given a letter, which is used internally by airline staff to understand details about the ticket purchased by the passenger.
Passengers should pay attention to these letters because they can affect the restrictions on their ticket, how many miles they will earn and their ability to upgrade to a higher cabin or use a Delta Companion Certificate.
When it comes to travel day amenities and benefits, cabin class matters more than your fare bucket. The fare bucket comes into play when dealing with ticket change restrictions or potential upgrades, as well as the hierarchy for complimentary upgrades.
Delta fare class overview
These are the Delta fare classes the airline most often uses:
First class/Delta One
Premium Select
Economy/Comfort+
Discounted Main Cabin – U, T.
Deeply Discounted Main Cabin – X, V.
Basic economy
Depending upon the aircraft and destination, not every plane or flight will offer each of these cabins or ticket classes. For example, an international wide-body flight will have Delta One, while a regional jet-operated domestic flight won’t.
🤓Nerdy Tip
Award tickets booked with Delta SkyMiles use a different fare bucket system.
How do I find the Delta fare class?
Delta.com makes the fare bucket information easy to find when searching for airfare. It is the letter in parentheses above the fare.
To learn more about what the fare bucket will include, click on the letter within the parentheses. It will provide details on the seat and any restrictions that go along with it.
SkyMiles earnings by fare class
When traveling on a Delta flight, Delta SkyMiles members earn miles at different ratios. The higher your tier in the Medallion elite status program, the more miles you’ll earn per dollar spent.
Members earn miles based upon the cost of the ticket at these ratios:
Note that basic economy tickets don’t earn miles.
How it works with Delta partners
When traveling on Delta airline partners, it is important to understand how many miles you’ll earn because this will vary based on the fare bucket.
Each fare bucket category earns different amounts of miles. For example, a full-fare business ticket in the J bucket would earn 200% of the miles equal to the distance flown, while discounted fare classes earn fewer miles and Medallion Qualification Dollars (key for earning Medallion status).
🤓Nerdy Tip
If you plan to credit a Delta flight to another frequent flyer program, you will want to compare the earning for the fare bucket in that program with Delta’s. They aren’t always the same. The website WhereToCredit.com can be especially helpful.
What are the benefits of Delta’s classes of service?
Delta One and Delta One Suites
This is Delta’s most premium cabin and is used primarily on international flights as well as select premium long-haul domestic routes.
Delta One has a variety of seating, with the most appealing being the Delta One Suites with doors that close for privacy. Most Delta One cabins are in a 1-2-1 configuration, with those at the windows offering extra solitude.
🤓Nerdy Tip
The Boeing 757s have a 2-2 configuration. Delta.com’s aircraft overview page makes clear the layout for each flight.
Delta One passengers receive multicourse meals, an open bar, amenity kits stocked with Grown Alchemist toiletries, noise-reducing headphones and more dedicated service. On certain flights, mattress pads make the seat more comfortable, but all passengers enjoy a large pillow and duvet.
Delta Premium Select
This is Delta’s premium economy cabin, which is mostly found on international flights and wide-body aircraft. It includes a larger seat with more recline. These seats are similar to what you might find in domestic first class. They recline more than seats in economy class but don’t lie flat. A footrest and spacious armrests with a small table add to the comfort.
Food and beverages include plated meals with a more impressive presentation than economy class and an open bar. A day blanket, a small amenity kit with Grown Alchemist products, noise-reducing headphones and a memory foam pillow await at each seat. Sky Priority access and the option to check two bags up to 50 pounds each round out the experience.
Medallion members don’t receive free upgrades to this cabin unless they use an upgrade instrument like a Global Upgrade on longer flights.
Delta first class
This is Delta’s premium cabin on most domestic and regional international flights. The cabins are in a 2-2 layout or 1-2 layout on regional jets. These seats are more spacious than those in economy with a side table to place a drink and larger seat pockets.
On some newer aircraft, Delta has installed seats with small privacy “wings” that act as side headrests, too. One complaint of these seats, however, is that they aren’t as padded as other Delta first class seats.
The standard level of service in first class is a welcome bottle of water at the seat, pre-departure beverages, complimentary drinks from the bar and, based on flight length and time of day, a meal. When flights don’t have a meal, a snack basket is passed around. Passengers receive Sky Priority access and the ability to check two bags per person up to 70 pounds.
Most domestic and regional first class flights are eligible for complimentary upgrades for Medallion members, which is a great perk although availability can be limited.
Delta Comfort+
These seats are integrated into the main cabin but have additional legroom and expedited boarding. They also receive a few extra food and beverage perks like complimentary alcoholic drinks and more snack selections.
There are no additional checked bag perks for this fare class, but those with a Delta co-branded American Express card get these benefits without an upcharge.
Passengers must pay a fee to upgrade to one of these seats, but Medallion members receive free upgrades to them.
Main cabin
The economy class section with standard airplane seats is the main cabin. On domestic Delta flights, nonalcoholic beverages and a snack are complimentary, but on long-haul international flights, a hot meal is served with complimentary drinks from the bar.
On long-haul international flights, a blanket is available. Passengers must pay to check a bag unless they have a Delta credit card or Medallion status.
Basic economy
This is the most restrictive Delta fare class and doesn’t include a seat assignment. These passengers are the last to board, which means finding space for carry-on bags can be a challenge (often, travelers must gate-check their bags).
Changes aren’t permitted to these tickets, and passengers won’t earn miles for their flight. Medallion members won’t be eligible for seat upgrades and cannot access the Sky Club.
Once the flight takes off, there are no additional restrictions with basic economy passengers afforded the same benefits as the rest of the main cabin, including free nonalcoholic drinks and snacks (a hot meal, alcoholic beverages and blanket on longer sectors).
What if I want to change my booking class?
After you purchase your ticket, Delta may send you offers via email, on the website or through the Delta app to upgrade your ticket using miles or paying in cash. Medallion members will also be added to the upgrade list for a higher cabin on eligible flights.
For long-haul flights, the only way to get an upgrade without paying miles or cash is to use an upgrade certificate.
These are an option for Platinum and Diamond Medallion members, but competition for upgrade seats (like with complimentary upgrades) can be fierce. For that reason, some travelers choose to pay the difference upfront to guarantee a better cabin.
Delta doesn’t charge a fee to change your ticket, but if you choose to upgrade or downgrade, any difference in fare would be charged (or credited).
Book smarter: Delta credit cards
Secure the best earning rates and benefits for your Delta flight needs by purchasing your tickets with the right credit card.
Here are a handful of Delta card options — or you can read a NerdWallet analysis on which are the best.
Top Delta cards
Delta SkyMiles® Blue American Express Card
Delta SkyMiles® Gold American Express Card
Delta SkyMiles® Platinum American Express Card
Delta SkyMiles® Reserve American Express Card
Annual fee
$0 intro for the first year, then $150.
Welcome offer
Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months. Terms Apply.
Earn 40,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Terms Apply.
Earn 50,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Terms Apply.
Earn 60,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Terms Apply.
Learn more
If you seek more flexibility in redeeming miles for award flights, consider applying for a general travel credit card instead. A general travel credit card differs from an airline card in that you can book flights with multiple carriers, rather than reaping the benefits of staying loyal to a single brand.
The more high-end (or “premium”) the travel credit card, the more benefits you can enjoy, including airport lounge access or elite status in certain programs. That said, a brand-specific airline card can net you benefits like waived baggage fees, which can have a meaningful dollar value.
Delta fare classes recapped
Delta has several different cabins and levels of service, as well as fare classes that correspond to each one.
Understanding Delta fare classes can be a helpful way to make sure you have the flexibility and experience you want for a trip, including helping you earn more SkyMiles.
(Top photo courtesy of Delta Air Lines)
To view rates and fees of the Delta SkyMiles® Blue American Express Card, see this page.
To view rates and fees of the Delta SkyMiles® Gold American Express Card, see this page.
To view rates and fees of the Delta SkyMiles® Platinum American Express Card, see this page.
To view rates and fees of the Delta SkyMiles® Reserve American Express Card, see this page.