Wednesday’s need-to-know money news

Today’s top story: Grace period over? Refinance these student loans ASAP. Also in the news: smart tactics for Millennials flocking to buy life insurance, how senior insulin users may benefit from Medicare savings model, and how to stay on track with a budget calendar.

Grace Period Over? Refinance These Student Loans ASAP
New graduates shouldn’t wait to see if they can refinance their private student loans.

Smart Tactics for Millennials Flocking to Buy Life Insurance
Millennials applying for life insurance can skip medical exams, simplify the process and pay less than they expect

Insulin Users May Benefit From Medicare Senior Savings Model
Seniors with diabetes may pay less for insulin with this program, which debuts in some Medicare drug plans in 2021.

Stay on Track With a Budget Calendar
One day at a time.