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Whether you’re a recent grad relocating to a city for job opportunities or a family heading cross-country to be closer to relatives, moving to another state represents a major change in your daily life.

It can be full of excitement (and some nostalgia), complicated, and expensive. Here are some things to keep in mind to make it go as smoothly as possible.

Is It Hard to Move to Another State?

Generally speaking, moving to a new state may take some work, and planning for it might need to happen well in advance to ensure everything stays on track.

You’ll want to consider things like potential neighborhoods to live in, crime rates, the school system, transportation options, and walkability. Before you move, you may also want to think about what items you’ll want to take with you (and what you’ll need to donate), what your moving budget is, and whether it makes sense to hire professional movers.

A Simple Checklist For Moving Out of State

Sometimes, a good old-fashioned moving checklist is the easiest way to ensure things get done on time:

1. ⃞ Find a place to live. This means either renting or buying a home. You may need to stay in temporary housing until the new place is ready.

2. ⃞ Select a moving date. If your schedule is flexible and costs are a concern, consider moving during a weekday, which tends to be cheaper than the weekend, or in fall or winter, versus the very busy spring and summer seasons.

3. ⃞ Select a professional mover (if using one). Request a few quotes from reputable movers so you can find a good service and know your moving costs.

4. ⃞ Build a budget based on common moving expenses plus any other cost considerations unique to your move.

5. ⃞ Take stock of and sort your stuff about one month before the move. What needs to come along? What should be tossed? What can be given to charity? Start sorting, selling (there are plenty of places to sell your stuff), packing, trashing, and donating accordingly.

6. ⃞ Cancel old services/start new ones. Schedule the stoppage of utilities like cable, internet, gas, and electric, and set up installations at your new location. It could also be a good time to update or cancel gym memberships, delivery services, subscriptions, etc.

7. ⃞ Gather up boxes and packing supplies. About three weeks before the move, start securing boxes, rolls of packing tape, bubble wrap, and other supplies.

8. ⃞ Pack it all up. You might wait until moving day to get the toothpaste into the “personal items” box, but the two weeks before the move can be spent packing belongings and gathering important documents like leases, moving contracts, and moving expense receipts. See if friends and family can help with this task.

9. ⃞ Say farewell. It might sound cheesy, but giving a thoughtful goodbye to any home that housed you can be helpful for moving ahead. Perhaps the last pie from your favorite local pizzeria is in order.

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How Much Money Should You Save to Move Out of State?

When planning how to move to another state, knowing how much to save to cover moving expenses is an important initial step.

The average cross-country move typically costs somewhere between $2,392 and $6,869, according to HomeAdvisor, with the average amount being around $4,575.

Several other factors can influence how much someone should save to move out of state, such as the number of items they’re moving, how far they’re going, and whether they plan to move themselves or hire professionals. In some cases, long distance moving costs could reach $10,000 or more.

Common Moving Expenses

To decide how much money to save for a move out of state, knowing the most common moving expenses can be helpful:

•   A deposit on the new place, which is typically first and last month’s rent/security on an apartment, or a down payment on a new house.

•   Moving costs, or the amount of money it takes to physically move items — whether with rented equipment or professional movers — from point A to point B. As previously mentioned, they average $4,575 for an out-of-state move, but this figure can vary depending on the distance of the move, how much you are transporting, and the company hired.

•   Transportation costs for traveling to the final destination. A fuel cost calculator can be a helpful tool to get an idea of how much to budget for this expense.

•   Packing supplies like boxes, packaging tape, bubble wrap, packing peanuts, markers, etc.

•   Cleaning supplies can get overlooked, but several surfaces might need scouring. From trash bags to all-purpose cleaners, carpet cleaning for pesky pet stains, mops, and more, having some funds saved for a clean slate can prove helpful in the moving process.

•   Repair and maintenance costs might arise from issues like holes in the walls from hanging artwork, a broken light fixture, a torn screen, etc. Taking out a home improvement loan ensures things can be up to snuff in both abodes.

•   New furniture and home decor can help warm up your new home on day one.

•   New driver’s licenses and registrations typically cost less than $100 for a license and up to $275 for a registration.

Recommended: How to Get Approved for a Personal Loan

Ways to Save When Moving to Another State

It can take a lot of time and energy to move to a different state. Luckily, there are several ways to save money in the process:

•   Using cash for moving expenses instead of racking up credit card debt can save money over time.

•   Selling unwanted items is a great way to create space, remove clutter, and acquire some extra moving funds.

•   Packing with free supplies like used boxes or bubble wrap from friends, family or even the town “free stuff” page can help save lots versus buying brand new.

•   Getting help from friends can help you save time which, in turn, can save you money. They can help with sorting, packing, cleaning, and even selling old items to their network.

•   Asking an employer to help with relocation costs can potentially be negotiated, especially if you’re sticking with them in the new state.

•   Relocation loans can be a solid saving option when you need quick cash to move to another state. They can cover a wide range of moving costs, from deposits to storage to professional movers, transportation, and even hotel stays.

The Takeaway

Moving out of state often requires detailed planning, preparation, and lots of considerations — like how to sort and pack belongings, whether to hire professional movers, what the moving budget is, and how to secure funds for moving costs. In terms of financing, ideas include using cash instead of credit, selling unwanted items to raise money, asking an employer for relocation assistance, or taking out a personal loan.

Think twice before turning to high-interest credit cards. Consider a SoFi personal loan instead. SoFi offers competitive fixed rates and same-day funding. See your rate in minutes.

FAQ

Is $10,000 enough to move out of state?

Yes, technically $10,000 should more than cover moving expenses. However, also consider the cost of setting up a new home, paying security on a new place, and potentially not having income while you job-hunt. This can mean you may need more than $10,000 when moving out of state.

What is the average cost of moving out of state?

As of mid-2025, the average cost for moving out-of-state is $4,575, according to HomeAdvisor.

What is the cheapest way to move out of state?

A DIY approach is often the most economical way to move out of state. That can mean finding free moving supplies (check freecycle sites and friends who recently relocated), getting help with packing from friends and family, and renting a truck and driving yourself to your new home state.

SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.

SOPL-Q225-072

Outdoor kitchen can be a fun and functional addition to your home, but they come with a significant amount of work needed and a hefty price tag, with an average of $16,840 in mid-2025.

Whether you’re looking to spruce up your barbecue area or design a fully equipped kitchen, there are plenty of options and logistics when it comes to building an outdoor kitchen. This guide will go through the steps required, along with some typical costs and considerations for making your home improvement dreams a reality.

Settling on a Location

Before diving into the details of outdoor kitchen designs, settling on a location can help focus your planning and creativity. For starters, you can take stock of existing structures in the yard that could be incorporated into the design, such as patios and decks.

When envisioning options, measure the square footage of potential kitchen areas. This can inform what types of equipment and accessories will fit in the space you have.

Having some essential design features in mind, such as a grill or wood-fired pizza oven, could help guide the siting process, too. If you have your eyes on heavier equipment, like furniture or a bar, you may need to reinforce a deck or patio to safely accommodate the extra weight. Consulting with a professional contractor is advisable to prevent sagging in the floorboards or more severe damage that could lead to a complete backyard remodel.

Slope and distance from the house could also impact the feasibility and cost. Building on an inclined surface might require a more robust foundation than a level area. Situating an outdoor kitchen a greater distance from the home may add the expense of connecting electricity or plumbing, not to mention the practicality of walking back and forth. Adding outlets can cost between $75 and $500 each, according to the home improvement site Angi.

If possible, use existing structures or buildings next to the house to reduce such costs, and integrate an outdoor kitchen with the rest of the living space.

If you need help paying for your backyard sanctuary, a personal loan may be one option to consider. Personal loans are repaid with monthly payments of principal plus interest.

Generally, there is considerable freedom regarding how the borrower spends the money, whether on an outdoor kitchen (a home improvement loan is a kind of personal loan tailored for this purpose) or paying off credit card debt.

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Creating an Outdoor Kitchen Design

After hashing out where to build, it’s time to delve into the details of the outdoor kitchen design. While browsing through dream kitchens on HGTV can provide inspiration and creative ideas, being realistic with your budget and desired kitchen features can keep you on track.

To avoid the impulse of keeping up with the Joneses (or FOMO spending), it may be beneficial to make a ranked list of possible equipment and design components alongside a budget.

Keeping in mind your own cooking habits and diet can be a useful litmus test to determine what you may use frequently and what could likely accumulate dust. It’s also worth considering how many people you’d like to accommodate.

If you’re overwhelmed with ideas but don’t know where to begin, finding a focal point to design around is one option to consider. For instance, barbecue connoisseurs may want to orient the outdoor kitchen design around the grill, whereas skilled mixologists might prefer to showcase their craft behind a central bar area.

Here are some further ideas for accessories and appliances to outfit an outdoor kitchen.

Grill

A built-in grill can look sharp and tailored within an outdoor kitchen design, but it can’t be wheeled away for additional entertainment space when you’re not cooking. Opting for a freestanding grill could help stretch your budget further and add some flexibility to an outdoor kitchen design.

Kitchen Island

Adding a kitchen island for a mixed-use of counter space and seating can further integrate the cooking and dining space to bring everyone together at a dinner party or family gathering. Opting for the roll-away variety can help you customize an outdoor kitchen depending on the occasion.

Sink

Including a sink in an outdoor kitchen is useful for cooking, easy clean up, and sanitation. The practicality of installing a sink and plumbing also depends on how far the outdoor kitchen is from the house. Carrying dirty dishes and pans a short distance for washing inside may not be worth the added cost of plumbing for some people.

Refrigerator

Whether storing food or drinks, a fridge can keep an outdoor kitchen stocked and ready and cut down on trips between the house. This requires running electricity for ongoing operation. For a full-size fridge, you can expect the cost to average between $400 and $4,000.

Countertops

As the cook in any family can attest, counter space is a big help when it comes to staging and preparing food. On top of stains and wear and tear over time, outdoor kitchen countertops may need to be weather resistant, too.

Marble is a popular interior countertop surface, but its cost and vulnerability to staining and wear mean it’s not the most durable. Some more hardy choices include slate and granite. Tile is a cheaper sturdy alternative, but typically requires more maintenance to clean the grout and replace cracked pieces.

For a functional amount of space, consider having at least 12-18 inches on each side of a sink, as well as 18-24 inches on either side of a grill.

Cabinets

To house all your outdoor kitchen utensils, pots, and pans in one place, cabinets are a good bet. Similar to the countertops, durability is a key factor to consider alongside cost. Using a marine-grade paint or stain on wood cabinets can improve their weather resistance and tie in the outdoor kitchen design with the house.

Lighting

Unless the outdoor kitchen will be built on an existing porch or patio, adding lighting may be a necessary investment to make a backyard dinner party possible. As mentioned, extending electrical wiring and adding outlets comes with costs. Given that as much as 15% of home energy expenditures go towards lighting, going with solar lights could save on the electric bill and wiring.

Landscaping

After construction is completed, landscaping can further beautify the outdoor kitchen space and provide privacy and shade in the way of bushes or trees. Landscaping costs can be several hundred dollars for smaller jobs, though this is an easier opportunity than say plumbing or electric to recoup some money as a DIY project.

Recommended: 20 Beautiful Small-Kitchen Remodel Ideas

Choosing a Shelter

Even in the fairest of climates, having some protection from the sun and assurance you won’t be caught in the rain can be an asset to an outdoor kitchen design. In addition to making a more comfortable space, a shelter could also increase the lifespan of your outdoor kitchen equipment and furniture.

Check out some possible options that can protect and enhance an outdoor kitchen design.

Awning

Awnings are an option for shading an outdoor kitchen area. Based on size and materials used, a built-in awning costs between $1,409 and $4,350 on average.

Canvas awnings are not the most durable choice for areas that can have harsh weather conditions, but they can be removed and stored during winter and inclement weather to extend their lifespan. Metal awnings are another option, and are generally cheaper and sturdier. Upgrading to a mechanically retractable awning will likely increase cost, but can be handy in locations where weather changes quickly and frequently.

Gazebo

A framed gazebo can protect furniture and kitchen equipment while creating a comfortable space for cooking and dining. Whereas awnings are often attached to a structure or need to be taken down seasonally, gazebos can offer longevity and more options for placement.

Pergola

Composed of vertical posts and overhead cross-beams with open lattice, pergolas can add some architectural appeal to an outdoor kitchen area. The structure is well-suited for growing vines to increase shade while allowing for ample breeze. Currently, costs are estimated at $2,100 to $6,100, depending on size, design, complexity, and where you live.

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The Takeaway

After figuring out the location, dimensions, and trimmings for your outdoor kitchen design, you can begin itemizing building or remodeling costs within a budget. The average cost in mid-2025 is $16,840. If you come to realize you’re biting off more than you can chew, you could do the project in pieces. There are also options to finance an outdoor kitchen project, such as personal loans.

Think twice before turning to high-interest credit cards. Consider a SoFi personal loan instead. SoFi offers competitive fixed rates and same-day funding. See your rate in minutes.

FAQ

How much does it cost to build an outdoor kitchen?

As of mid-2025, the average cost of an outdoor kitchen is $16,840, according to Angi, the home improvement site.

Can I build an outdoor kitchen myself?

Yes, it’s possible to DIY an outdoor kitchen if you are skilled at home improvement projects. Outdoor kitchens can be simple or very complicated, involving electrical wiring, sloping site accommodations, and gazebo construction. Make your decision accordingly.

Does an outdoor kitchen add value to your home?

Yes, an outdoor kitchen typically adds value to your home, estimated at anywhere from 50% to 200% of what your costs were.

SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.

SOPL-Q225-071

Refinancing your student debt can have many benefits, including saving money on interest, lowering your monthly payments, or changing your repayment terms. But can you do it more than once? And, if so, should you?

Yes. And maybe.

There is no limit on how many times you can refinance your student loans. If your finances and credit have improved since you last refinanced and/or market interest rates have gone down, it may be worthwhile to refinance your loans, even if you’ve refinanced before.

That said, refinancing multiple times isn’t always worthwhile. Here are key things to consider before you refinance your student loans more than once.

How Many Times Can You Refinance Student Loans?

Technically, there is no limit to the number of times you can refinance your student loans with a private lender. In fact, as long as you qualify, you can refinance your student loans as many times and as often as you’d like. And given that lenders often don’t charge prepayment penalties or origination fees, there may be no extra cost involved with refinancing your student loans again.

Refinancing student loans again generally makes the most sense when your finances or credit score improves or interest rates decline. In these cases, it may be possible to save thousands of dollars in interest by reducing your interest rate by a couple percentage points.

If you’re not able to get a lower rate, however, refinancing may not make sense, especially if it extends your repayment term, leading to higher costs.

Also keep in mind that if you only have federal student loans, refinancing with a private lender may not be your best option, since it means giving up government protections like income-driven repayment plans and Public Service Loan Forgiveness.

If you have federal loans, you may want to carefully explore your options, including whether to consolidate or refinance student loans.

When Should You Consider Refinancing Your Student Loans Again?

If you’ve already refinanced your loans with a private lender, here are some key reasons why you might consider refinancing again.

Your Financial Situation Has Changed

If you have experienced a significant improvement in your overall financial health since your last refinance, you may be eligible for a better loan rate and terms. In fact, some borrowers with limited or poor credit might refinance their loans multiple times as they build credit.

Interest Rates Have Come Down

Student loan rates are not only tied to your creditworthiness, but also current economic conditions. If market interest rates have dropped since your last refinance, you might be able to secure a lower rate student loan refinancing rate, reducing your overall interest payments. Even a small reduction in interest rates can lead to substantial savings over the life of the loan.

It’s a good idea to keep an eye on market trends and compare current rates to what you’re paying to determine if refinancing again makes financial sense.

You’re Looking for Different Loan Terms

Changing loan terms can also be a reason to refinance again. Perhaps your initial refinance resulted in a longer loan term to lower your monthly payments, but now you’re in a better financial position and can afford higher payments to pay off your loan faster.

Conversely, you might need to extend your loan term to lower monthly payments due to a change in financial circumstances. Just be aware that extending your repayment term can cost you more money in interest over time.

You Want to Remove or Add a Cosigner

If you originally refinanced with a cosigner and your financial situation has changed so that you no longer need them to qualify for favorable loan terms — or if the cosigner wants to be removed from the loan — refinancing allows you to take them off the loan. You’ll refinance in your own name only and the cosigner will not be included on the new loan.

On the other hand, if you want to add a cosigner with strong credit in order to qualify for a lower refinancing rate, you can do that as well. The new refinanced loan will be in both your names, and you will both be responsible for the loan. The cosigner legally agrees to repay your debt in the event that you can’t make the payments.

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What Are Some Advantages of Refinancing Multiple Times?

Before you decide to refinance your student loan again, it’s important to know the advantages and disadvantages of this strategy. Here’s a look at some of the pros of refinancing student loans multiple times.

•   Save money: Refinancing multiple times can help you take advantage of lower interest rates as your financial situation improves or as market rates decrease. Each reduction in interest rates can save you money over the life of your loan. You can also shorten your loan term to pay off your debt faster, which can also reduce what you pay in interest

•   Better lender benefits: Refinancing with a different lender can potentially provide access to better benefits, such as more flexible repayment options and hardship programs if you are struggling to make your payments. Choosing a lender that offers these benefits can provide additional financial security.

•   Promotional offers: Some lenders will offer special promotions or discounts for refinancing with them.

What Are Some Disadvantages of Refinancing Multiple Times?

Refinancing multiple times also has potential drawbacks. Here are some to consider.

•   Credit impact: When you formally apply for a refinance, the lender runs a hard credit inquiry, which can negatively affect your credit score. While a single inquiry typically has a minimal impact, multiple inquiries in a short period can lower your credit score.

•   You could end up paying more: If you refinance to a longer repayment term, or even the same term every few years, you’re extending the amount of interest payments you make. This can keep you in debt longer and increase the total amount of interest you pay. If you refinance to a variable-rate student loan, the rate could also go up during the life of the loan.

•   Time and effort: The process of refinancing can be time-consuming, involving research and making comparisons between lenders, as well as paperwork and credit checks. Doing this multiple times may require a significant investment of time and effort. It might not always be worth it if you won’t save much money with your new loan.

Things to Look for When Refinancing

If you’re considering another refinance, it’s important to look at the following factors to ensure you’re making a smart financial decision.

•   Interest rates: Compare the offered interest rates with your current rate to ensure you’re getting a better deal. And make sure you have a credit score required to refinance to help you get those better rates.

•   Fixed vs. variable rates: Variable-rate loans have interest rates that can fluctuate based on market rates. The rate could climb if the rate or index it’s tied to goes up (and vice versa).

•   Loan terms: Evaluate the terms of the new loan, including the length of the loan and monthly payment amounts. Keep in mind that a longer term can lead to lower payments but increase the total cost of your loan in the end.

•   Fees and costs: Be aware of any fees associated with the refinance and calculate whether the savings outweigh these costs.

•   Lender reputation: Research the lender’s reputation and customer service to ensure you’re working with a reliable and supportive institution.

•   Borrower benefits: Consider the benefits offered by the lender, such as flexible repayment options and hardship programs.

Recommended: How Soon Can You Refinance Student Loans?

How to Decide If Refinancing Again is Right for You

To determine whether refinancing again is a wise option for your situation, consider whether it will save you money. If your financial situation has improved, and/or interest rates have dropped, refinancing may help you secure a lower rate and potentially save thousands of dollars in interest.

If you need to change the terms of your loan, refinancing could help you do that as well. Just be aware that if you’re extending your loan term to reduce your monthly payments, you’ll pay more overall over the life of the loan. And if you shorten the loan term, your monthly payments will be higher.

Finally, if adding a cosigner might help you get more favorable rates and terms for a loan, refinancing to add that person may be worthwhile.

Refinancing Your Student Loans With SoFi

Refinancing student loans multiple times can be a strategic move to save money and better manage your debt. While there’s no limit to how many times you can refinance, it’s important to carefully consider the costs, benefits, and your financial goals each time.

Looking to lower your monthly student loan payment? Refinancing may be one way to do it — by extending your loan term, getting a lower interest rate than what you currently have, or both. (Please note that refinancing federal loans makes them ineligible for federal forgiveness and protections. Also, lengthening your loan term may mean paying more in interest over the life of the loan.) SoFi student loan refinancing offers flexible terms that fit your budget.

FAQ

Can I consolidate student loans more than once?

Typically, you can’t consolidate federal student loans into a Direct Consolidation Loan more than once. However, you may be able to do this if you have federal loans that were not included in a previous consolidation. Just keep in mind that federal consolidation does not lower your interest rate. With private student loans, refinancing is the way to consolidate your loans, and there is no limit on the number of times it can be done. Each refinance creates a new loan with new terms, so you’ll want to evaluate the benefits, interest rates, and any potential fees before deciding to refinance again.

How many times can you refinance a loan?

There is typically no set limit on how many times you can refinance a loan, including student loans. As long as you qualify, you can refinance your student loans as many times and as often as you’d like. Each refinance involves taking out a new loan to pay off the existing one, so it’s important to consider factors like interest rates, loan term, and any associated fees.

How many times can you take out student loans?

There’s no set limit on how many student loans you can take out, but the federal government and private lenders do impose lending limits based on dollar amount.

For federal student loans, there are annual and aggregate (lifetime) limits based on your degree level and dependency status. For private student loans, lenders set their own annual and aggregate student limits. Often, they will cover up to the annual cost of attendance minus other financial aid each year.

What happens if I refinance my student loans multiple times?

You can refinance your student loans as often as you like, as long as you qualify. There are pros and cons to refinancing multiple times. On the plus side, if your financial situation has improved, you may be able to get a lower interest rate through refinancing again and save money. You could also change the terms of your loan or remove or add a cosigner.

The main drawbacks of refinancing again include a negative impact to your credit, since multiple credit inquiries in a short period of time could temporarily lower your score, and paying more in interest if you refinance to a longer loan term.

Does refinancing student loans multiple times hurt my credit?

Refinancing student loans multiple times in a short period of time could temporarily lower your credit score by several points. This is because when you apply for refinancing, lenders typically do a hard credit check to see your credit report and debt repayment history. A hard credit check temporarily drops your score.

About the author

Julia Califano

Julia Califano is an award-winning journalist who covers banking, small business, personal loans, student loans, and other money issues for SoFi. She has over 20 years of experience writing about personal finance and lifestyle topics. Read full bio.