The speaker in this ad is the First Republic Bank. The speaker is trying to present themselves by using repetition. They repeat refinancing student loans because that is what they want the audience to remember. The speaker wants to be viewed as dependable. Dependable because they want you to use their bank to pay back your loans. They include things such as “discount” and low “APR” to drag in their audience.

This ad is trying to convey people who have taken out student loans that this bank, the First Republic Bank can help you pay back your student loans. But however, by taking out another loan. They advertise low rates plus a discount because this may result to a lower amount having to be paid back.

The ad assumption the ad relies on it that student loans doesn’t allow you to use your money how you really want to. That the money you earn after graduating is limited because of student loans. It also assumes that people don’t take out federal student loans that have no interest rates and that also waits a year prior from your graduating year for you to pay back. The First Republic Bank assumes that loans are always with high interest rates. So they advertise the low APR to grab the viewer.

The intended audience is college students or graduates who have taken out student loans. Both can be the intended audience because college students may look at this and think to themselves that if they take out a loan that they should go to the First Republic Bank because it seems more reliable. On the other hand, the audience can be graduates from college who have already taken out a student loan. Graduates may think about how the loan that they have taken out is growing overtime because of the interest rate and this bank may or may not offer a lower amount of money to pay back. Another reason this ad can be meant for these group of people is because of where the ad is located. This ad is or was from the train station on 59th street. The location is around Fordham University and John Jay College which means that many students or graduates can see this ad.
Segmentation strategy has been used in this ad because the message being sent is to specific types of people with similar traits and similar lifestyles.

This ad uses pathos, ethos, and logos to persuade their audience. In the ad it states “ you’re more than a student loan debt”, this triggers the readers emotions because its making them realize that student loans is making them less worthy. Not only less worthy because they have a debt that’s going to be behind them for a while, but the fact they aren’t enjoying or prioritizing their career as they should. They’re prioritizing their student loans and most likely think about paying that off instead of enjoying what the student loans has done for them. This ad may also make the audience that have taken out student loans feel as if loans are a burden. Logos is given when the ad states the fact that they have “rates as low as low as 1.95% APR with discounts”. This is logos because the audience can compare it to what they are paying in interest of their student loans. This ad also uses ethos because they mentioned an anesthesiologist who has been a client there since 2015.

I think this ad is effective. What makes this ad effective is that if I put myself in someone who has taken out a bank student loan that hasn’t really explored their options before taking a loan out, I would highly consider anything that offers me the lowest interest rates. Besides the lowest interest rate they also have discount that may mean I can actually pay less than I originally had to. The ad includes a website meaning if you were to be interested they would have further information. I also found this ad very effective because at the location I had found. It wasn’t placed randomly, it isn’t a coincidence that they placed this ad there. I feel like it was intentional because they knew students who most likely have taken or are thinking of taking out loans have seen it.