Did you graduate college with a sparkling degree and a ton of debt? Yeah, well, you and $1.2 TRILLION worth of other people. But rather than resign yourself to years—decades, even—of forking over ridiculous amounts to some bloodsucking bank, there is a positive action you can take right this second that will not only save you around $14,000 (on average), but also gives you access to a crack service team and contributes to the greater social good by helping young people around the world get a better education.

Your solution to the student-loan quagmire is called CommonBond, and it has the rich, lazy, rapacious dinosaurs of the industry nervous. Because the company is shaking up the old loan paradigm, thanks to its founders, three Wharton classmates who couldn't believe there wasn't anyone out there treating hard-working, prompt-paying borrowers with the respect and support they deserved.

CommonBond promises you three things:

1. Refinance your student loan (or borrow for an MBA) with CommonBond today and on average you'll save more than $14,000...or more or less... it's an average.

2. You'll receive exceptional customer service via phone or instant chat. Just reach out to CommonBond's NYC-based Care Team anytime for advice and answers.

3. Using the 1-for-1 charitable model, every time CommonBond funds a loan here in America, the company then pays the full cost for a full year of schooling—tuition, books, supplies, uniforms, transportation—for child in a third world country. Called the CommonBond Social Promise, the program partners with non-profit Pencils of Promise and is a practice wholly unique in the loan refinancing industry.

How do you know whether CommonBond is right for you? First, ask yourself: "Do I like paying less money for boring things like student loans?" If you answered "Of course!", head to their site right now, and within minutes you'll know how much money you'll save with a CommonBond refi over the term of your loan.

Moving forward, as you finalize your refinancing, the Care Team will help you in any way they can, making the process—mostly just some verifications of your income (paystubs) and identity (driver's license) that can be done using your camera phone—as painless as possible. And there are NO application fees, NO origination fees and NO any other kind of hidden fees.

CommonBond can do all of this because they believe that low-risk borrowers deserve the lowest possible interest rates. Join the CommonBond community and you'll also be entitled to a temporary forbearance in case of economic hardship, or, in flush times, you can pre-pay your loan or increase your payments without any penalty.

And don't worry, this is not some kind of shaky startup: CommonBond currently has more than $625 million in financing, and is in it for the long haul. All you have to do is take action today, fill in a few blanks in their application, and soon you'll be keeping more of your paycheck every month for things you actually want to spend money on.

To learn more about CommonBond, visit their website for more details.

This post is brought to you by CommonBond.