Unsubsidized Student Loan Options
Sunday, May 27, 2007
To appreciate an unsubsidized student loan, a borrower must first understand the difference between scholarships, grants, and subsidized students loans. Due to the high cost of education, all options should be explored, and utilized, if needed to have the opportunity to reach personal and career goals.
As a teacher, I see high school students frittering away the opportunity for a good education. Socialization, drugs, alcohol, laziness, and a myriad of other reasons contribute to the lack of concern for learning. Then, seemingly overnight, graduation is looming and they have no clue what to do with an uncertain future. A good academic record is essential to success, and an unsubsidized student loan may be the only means of obtaining a college education.
For the student with good grades and recommendations, scholarships are available from schools, businesses, and private citizens, wanting to give hard working students the chance at a great education. Scholarships are free, although most require the recipient to maintain certain academic standards. Benefactors expect a similar level of achievement, which earned the scholarship in the first place. If scholarships do not totally cover the cost of post-secondary education, an unsubsidized student loan is always an option.
Unlike scholarships, grants are not usually based upon academic achievement. Grants are usually determined by economic need. For example, a Pell Grant, probably the most common, is available for students whose parents are unable to help offset the costs of a college education. For traditional students, Pell grants are awarded based upon the parents' or guardian's income. If income is too high to qualify for a federal grant, an unsubsidized student loan may be a viable alternative.
If the income is too high, or a substantial savings account exists, it may be very difficult to receive a federal grant. However, for the non-traditional student, the income of the student is taken into consideration, along with the number of dependents, living expenses, and other necessary financial obligations. The amount of the grant is always based upon economic need.
Like grants, an unsubsidized student loan is also determined by economic need, and a particular college's cost for tuition and fees. Unlike a grant, a loan is awarded to the student, to use as he/she sees fit. If grants and scholarships have paid for educational expenses, the loan can be used for living expenses. With an unsubsidized student loan, the interest on the loan does not start accruing until six months after college completion. As long as the student remains in college, for a BA, a MA, or a PhD, the loan is only for the actual amount sent to the individual, which leaves the unsubsidized student loan for consideration.
Before cashing the check for an unsubsidized student loan, an individual should consider the long-term consequences of his/her decision. Unlike a subsidized payment, the unsubsidized student loan starts accruing interest as soon as the check is deposited/cashed at the bank. Meaning, if the loan is acquired as a freshman, by the time a payment schedule is due, the loan has at least four years of interest attached to the original loan.
If the student chooses to continue an education for any post-graduate degrees, tack on the extra years of interest as well. Even at 3-5% interest, the additional amount can be substantial, making the monthly repayment amounts a large part of the family budget for at least the next ten years. In addition, should economic times get extremely difficult, federal loans are not eligible to be included in any bankruptcy action in the future. In other words, if the check is cashed, an unsubsidized loan must be repaid.
Therefore, unsubsidized student loans have one great attribute for borrowers. Quarterly, a statement is mailed to the student. Thus, the repayment amount to be budgeted each month will not come as a total shock. Also, the amount of accrued interest is also tallied, and the individual is given the option to pay the interest, or allow it to be added to the principle. In which case, the amount of the loan continues to grow, and the interest amount for the next quarter will rise accordingly. So, some students will opt to pay the interest quarterly, and keep the loan amount to the original obligation.
Whatever a prospective student decides, money should not be the determining factor to a post-secondary education. Scholarships, grants, subsidized, and unsubsidized student loans are available for the individual determined to improve future career opportunities through education. Anyone between 18-80 should have the chance to learn and grow, and have the necessary financial aid available to make dreams come true.
Erol Orderland knows first hand how Student Debt can affect ones life. For more information visit Federal Loan Consolidation or find out about Consolidation of Debt
Labels: consolidation, student loans, unsubsidized student loans
Consolidate And Eliminate Student Loans
Friday, May 11, 2007
Now, instead of Mom and Dad taking care of all the living details youngsters usually take for granted, the car payment is due, the credit card bills are piling up, and student loans are going to plague the budget for at least the next ten years. Instead of being frustrated with the task of keeping track of all the various bills, and the difficulty of establishing a workable budget, consider consolidating loans and eradicate debt in a timelier fashion.
As with any major decision, the choice to consolidate loans should only be made after considering both the drawbacks and the benefits. First, decide if consolidating is necessary.
For individuals with a mountain of debt, a consumer credit counseling agency will greatly help in making the proper financial decisions. Unless the debt is almost paid off, professionals will probably being the process to consolidate loans, helping an individual eradicate his/her debt sooner.
Probably the most frequent reason to consolidate loans is college. Student loans are costly, and the recent post-secondary graduate will be required to start repaying the debt six months following graduation. Many students will have acquired two types of loans: subsidized and unsubsidized loans. The unsubsidized loan starts accruing interest from day one. Conversely, the subsidized loan starts accruing interest after graduation. Either way, two separate loans, two separate payments, unless the individual decides to consolidate.
However, if the money lent is less than $7500, or scheduled to be paid in full, in the near future, consolidation may not be possible, or even worth the effort. In order to consolidate loans, students should meet specific criteria. According to the information found at www.nextstudent.com, the following must apply:
• You are in your six-month grace period following graduation or you have started repaying your loans
• You have eligible loans totaling over $7,500
• You have more than one lender
• You have not already consolidated your student loans, or since consolidation you have gone back to school and acquired new student loans
Once the determination is made concerning the qualifications for consolidated loans, the individual needs to understand the benefits of consolidating loans, even if juggling the bills is not a problem. Consolidated loans are simply as smart move for many individuals, especially the graduated student who is struggling to pay off student aid while support a family.
Consolidated loans are often the answer to financial stress. As a result of the high cost of living, poor budgeting, and the availability of buying on time, many Americans soon find themselves struggling to meet each month’s financial obligations. One extra car part, trip to the doctor, or any other unexpected expense, and people begin floundering in a sea of bills. So, other than bankruptcy, and seven years of bad credit, consolidated loans can eradicate debt faster and help individuals find some financial relief.
For example: a person has maxed-out his/her credit cards, the winter months have been exceptionally cold, and the heating bill has truly taxed the budget. Now, a major illness has left a mound of hospital bills, and no money is left in savings or the checking account. Before the individual throws in the towel, credit counselors can often provide services to ease the stress of debt, by granting a consolidated loan.
How? Counselors have connections with the creditors. If counselors can assure the lender bills will be paid in a timely manner, most companies will gladly forgive most, if not all, of the interest and penalties attached to a bill, since a consolidated loan is pending.
Why? When an individual receives a consolidated loan from a counseling service, he/she will pay one set amount to the service. After receiving the payment, consumer credit establishments divide up the monies, and pay all the lenders a pre-established amount monthly. Thus, the company is assured the money owed will be paid. Now, the individual only has to remember one bill, usually at a lower interest rate, leaving enough money for the day-to-day living expenses.
Now, for the former student faced with paying for financial aid used during college, consolidated loans are the answer to impending financial hardship. For example, many students have used both unsubsidized and subsidized student loans. Six months after graduation, the bills start arriving every month, for the next 10 years, if necessary. The mere thought is depressing!
However, by consolidating the loans, before the sixth month grace period is up, not only will one bill arrive monthly, the loan can be extended for 10-20-30 years, depending on the amount and the circumstances. In addition, the interest rates are lower. Thus, for some borrowers, the loan repayment may be reduced by as much as 54%. One bill to pay; half the payment is required each month; the loan can be extended for a longer period of time, if needed. What more needs to be said?
So, whether an individual has simply gotten too deep in debt, or facing the inevitable repayment of student aid, consolidated loans can eradicate debt faster or with less financial strain, no bankruptcy necessary.
Tags: Student Loan Consolidation, Federal Loan Consolidation
Labels: student loan consolidation, student loans
Eric Kinney, President (Student loan refinancing)
Saturday, February 24, 2007
Save More on Your Student Loan Refinancing by Applying Online
Getting Started:
Easily Compare and Contrast Student Loan Refinancing Lenders
The lender you choose will make an incredible difference in the total repayment amount of your loan. There are hundreds of lenders, each offering different incentives that equate to wide spectrum of overall savings. Researching lenders online by using search terms such as "student loan consolidation," "student loan refinance," or "consolidating student loans," allows you to build a side-by-side comparison of potential lenders and the benefits and savings offered by each.
Narrowing your Search:
Comparing the Benefits of Student Loan Refinancing Companies Online
After retrieving the results of your keyword search, it's time to cut through the hype and compare the facts and figures that impact your overall savings. Doing online research makes it simple to cut and paste critical information into an Excel sheet or Word document to compare companies side by side. Some important things to pay attention to are:
- Experience
- Incentive Offerings
- Published customer service number
- E-Sign Application
- Loan Specialization Type
Understanding your Savings:
Using Online Calculators to Determine your Potential Savings
Calculating interest rates and the effects of incentives over the course of a 10-year repayment period is a complicated calculation to figure by hand. However, the web gives instant access to numerous online calculators specifically designed to calculate savings associated with student loan refinancing. Running some numbers through these specialty calculators will present a full picture of the dollar savings that you can expect to receive with each lender.
The Application Process:
Save Time and Hassle by Applying for Student Loan Refinancing Online
Thanks to the internet, there's no need to drive around town and fill out application forms after waiting your turn at a financial consultant's office. Applying for student loan refinancing online affords you the convenience of applying in your own home on your schedule. Many lenders offer the added convenience of e-sign, meaning there's no need to worry about printing or digging up a stamp; just click, e-sign, and send.
Tracking your Application
Applying Online Allows you to Track the Progress of your Student Loan Refinancing
Most internet-savvy student loan refinancing companies give you the opportunity to log in and see the status of your application as it travels through the loan process. Because your application and the lender's decision are sent instantly via secure internet, your time spent waiting and wondering is reduced to minutes instead of weeks.
Start Saving:
A Quick Student Loan Refinancing Process Means You Start Saving Sooner
Finding a knowledgeable company with a streamlined online application process means you can start saving before your next loan payment is due. When it comes to student loan refinancing, time literally is money. Unlike the pre-internet days, you can literally reduce your student loan payment by the end of the day. Start your search now by exploring these money and time-saving resources:
Comparison Chart Template: Compare and contrast your choice of lenders side-by-side http://office.microsoft.com/en-gb/results.aspx?Scope=TC&Query=comparison+chart
Consolidated Student Loan Repayment Calculator: Quickly calculate your savings after student loan financing. http://www.scholarpoint.com/PaymentCalculator.aspx
Glossary of Terms A reference guide to more than 300 terms specific to student loan refinancing http://www.scholarpoint.com/ResourceCenter/Glossary.htm
ScholarPoint Financial, Inc. is a national online consumer lending company specializing in student loans. We believe in combining state-of-the-art technology with world class service to help students and parents easily gain access to data, become informed, and enjoy the process of obtaining a college loan. Learn more about Student Loan Consolidation at http://www.scholarpoint.com
Read more about Bad Credit Repair
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Eric Kinney, President
PRWeb - LoanRefinanceTips.com Advises Consumers About Loan Consolidation Save more money on student loans with loan consolidation. Stop paying all your hard earned money to the credit card companies, find out the facts about debt reduction. - 2005-12-28 ANACS
NextStudent Education Finance Advisors Deliver Premier Service in
dBusinessNews.com - to meet these demanding standards, EFAs are required to complete NextStudent's own rigorous six-month, on-the-job certification process, where they demonstrate mastery in each of four subject areas, including NextStudent's Student Loan Consolidation
Labels: student loan refinancing, student loans
Minimum cash-out refinancing depends on your equity - MarketWatch (Student loan refinancing)
Student Loan Consolidation � An Effective Way To Reduce Debt By Refinancing
Most students don't have thousands of dollars to pay every year for college tuition fees. This is why college students obtain educational loans to make it through college in the way of student loans.
Finishing one's education is not a cheap task today. In fact, in most cases it can place a student into debt before even entering a career.
The idea of refinancing with student loan consolidation is to reduce your monthly total student loan payments. Refinancing your student loans could help you by getting lower interest rates and not having the hassle of several monthly loan payments.
It is best to consider a federal student loan consolidation first, before any other private loans. This way, you can enjoy the benefits of the low interest rate of federal loans.
Student loan consolidation rates will vary depending on your credit history and by how you deal with your current lenders. Refinancing rates of federal student loans adjust while the economy changes.
Every lending facility has different qualifications required for refinancing student loans.
When choosing the most suitable student loan consolidation refinancing program, remember that the interest rate should never exceed the current consolidation rate of your current loans.
There are many lenders and consolidation centers that offer student loan consolidation refinancing.
Student Loan Consolidation Centers Should Have These Four Common Aspects
1. Offers minimal rates of interest, presently 1.625 percent fixed interest for the period of the student's federal loan; at present, the rate being offered by the "Department of Education" is a percentage of 3.37.
2. Through consolidation, a student can cut their payment every month by a maximum of 60 percent using student loan consolidation centers.
3. Using auto debit, one can get an added 0.25 percent rate discount with student loan consolidation centers.
4. Student loan consolidation centers have payment options that are flexible.
Three Student Loan Consolidation Facts You Should Consider
1. Students must only consolidate loans which are variable or changing rates, such as the Stafford Loans, and never fixed-rate loans such as Perkins loans, since Perkins loans are set at a fixed rate, therefore there is no benefit financially and you are unable to acquire loan forgiveness provisions services like nursing or teaching.
2. Student loan consolidation programs are never identical between lenders having fluctuating grace periods, interest rates, late payments penalties, and loan repayment period. As student loan consolidation will lower your monthly payments, but you should note that extra interest will accumulate over the span of the loan and will drastically raise the total cost of the loan.
3. To lower your student loan cost and its interest rate, you can opt not to consolidate all your available student loans; you can decide to include unsubsidized loans only or leave out loans with high interest with a low loan balance.
It's best to take some time to consult and seek advice from a lender with a student loan consolidation center on which loan options are best and right for your financial situation before you consolidate.
Dean Shainin is a consultant specializing in student loan consolidation. Get valuable resources, tools, information and more articles on student loan consolidation, visit this site: http://www.studentloanconsolidationtips.com
Get free valuable online tips for debt consolidation from his: Student Loan Consolidation Center website.
Read more about Debt Consolidation
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Minimum cash-out refinancing depends on your equity - MarketWatch
| Minimum cash-out refinancing depends on your equity MarketWatch - One is to take out a home-equity loan. Lenders usually will give you 75% to 80% of your equity, which is the difference between what your place is worth and ... |
HF Financial Corp. Announces Second Quarter Earnings and Quarterly ... - Yahoo! News (press release)
| HF Financial Corp. Announces Second Quarter Earnings and Quarterly ... Yahoo! News (press release) - (4) Excludes $1605 and $420 student loans held for sale at December 31, 2006 and June 30, 2006, respectively. (5) Includes deferred loan fees and discounts ... |
College-Studentloans.com Announces its Internet Debut - PR Leap (press release)
| College-Studentloans.com Announces its Internet Debut PR Leap (press release), CA - He continues”We offer tips and guides on student loan refinancing, lowering the rates on loans and student debt consolidation programs to assist in paying ... |
Labels: student loan refinancing, student loans
Scattered Thoughts on Student Aid (Student loan refinancing)
Student Loans and Student Loan Refinancing!
You either need a loan or you need to refinance your current debt. First of all you need to decide how much money you'll need, which loan type is best for you; you'll also need to decide whether this is the right time to do it and how you are going to pay for it. All these questions need to be answered prior to applying for a student loan or refinance student loan and even before doing some research and requesting loan quotes.
Loan Amount
The amount of money you will need does not only have to cover tuition, studying material, and any other college related costs, but also accommodation, transportation and other expenses that you will have to face due to living away from home. Once you've added up all your expenses, it is a good idea to add a 15% over that amount for unexpected expenses that always arise.
Loan Types
For starters, we will analyze government student loans. Federal Loans carry, as regular loans, capital and interests. Though the interest rate charged is lower than private loans, so is the loan amount. Under certain circumstances the interest can be subsidized and not charged. Otherwise the interest, though present, is deferred till after graduation. Moreover, the capital can also be deferred till after graduation and sometimes you can get a government grant so you won't have to reimburse the money at all.
Private student loans, on the other hand, have higher interest rates but you can request higher loan amounts. There are mainly two types of private student loans: Secured Student Loans and Unsecured Student Loans. Generally, secured student loans are requested by parents who have a property to use as collateral in order to pay for their sons/daughters' tuition. Unsecured Student Loans are generally requested by student themselves and do not require collateral in order to be approved.
Refinancing or Consolidating your Student Debt
If you can't meet your monthly payments or you want to take advantage of better market conditions you may want to refinance your student loans. By refinancing you'll take a loan in order to cancel previous debt. When a single loan is used to repay more than one loan or other debt, the process is known as consolidating. There are loans specially tailored for this purpose: Consolidation Loans. And there are even loans of this kind designed to consolidate only student debt.
By refinancing or consolidating student debt you can save thousands of dollars on interests. Moreover, by consolidating you'll get a single monthly payment instead of several bills. However, bear in mind that refinancing makes sense only if you can save money by doing so or at least reduce your monthly payments so you can afford them without sacrifices.
Kate Ross is a professional consultant with fifteen years in the financial field. She helps people in the process of securing personal loans, mortgage, refinance or consolidation loans and prevents consumers from falling into financial scams. Smart tips and interesting articles on this subject and other financial related topics can be found at her website: http://www.speedybadcreditloans.com/financial-articles.html |
Read more about Debt Consolidation Simplified
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Inside Higher Ed - Illegality of Refinancing student loan debt. This is the competition that we need. The way things are going, it looks like the people who are fleeing the country, considering suicide, and being strongarmed into paying triple, quadruple (or even far read more about student loan refinancing
St. Louis Post-Dispatch - Authorities believe that two photographs provided by a woman who knows accused kidnapper Michael Devlin are not a credible lead in the investigation of Arlin Henderson’s disappearance in 1991, sources familiar with the investigation said Wednesday read more about student loan refinancing
Labels: student loan refinancing, student loans
Thank you PR WEB. (Student loan refinancing)
Friday, February 23, 2007
Student Loans and Student Loan Refinancing!
You either need a loan or you need to refinance your current debt. First of all you need to decide how much money you'll need, which loan type is best for you; you'll also need to decide whether this is the right time to do it and how you are going to pay for it. All these questions need to be answered prior to applying for a student loan or refinance student loan and even before doing some research and requesting loan quotes.
Loan Amount
The amount of money you will need does not only have to cover tuition, studying material, and any other college related costs, but also accommodation, transportation and other expenses that you will have to face due to living away from home. Once you've added up all your expenses, it is a good idea to add a 15% over that amount for unexpected expenses that always arise.
Loan Types
For starters, we will analyze government student loans. Federal Loans carry, as regular loans, capital and interests. Though the interest rate charged is lower than private loans, so is the loan amount. Under certain circumstances the interest can be subsidized and not charged. Otherwise the interest, though present, is deferred till after graduation. Moreover, the capital can also be deferred till after graduation and sometimes you can get a government grant so you won't have to reimburse the money at all.
Private student loans, on the other hand, have higher interest rates but you can request higher loan amounts. There are mainly two types of private student loans: Secured Student Loans and Unsecured Student Loans. Generally, secured student loans are requested by parents who have a property to use as collateral in order to pay for their sons/daughters' tuition. Unsecured Student Loans are generally requested by student themselves and do not require collateral in order to be approved.
Refinancing or Consolidating your Student Debt
If you can't meet your monthly payments or you want to take advantage of better market conditions you may want to refinance your student loans. By refinancing you'll take a loan in order to cancel previous debt. When a single loan is used to repay more than one loan or other debt, the process is known as consolidating. There are loans specially tailored for this purpose: Consolidation Loans. And there are even loans of this kind designed to consolidate only student debt.
By refinancing or consolidating student debt you can save thousands of dollars on interests. Moreover, by consolidating you'll get a single monthly payment instead of several bills. However, bear in mind that refinancing makes sense only if you can save money by doing so or at least reduce your monthly payments so you can afford them without sacrifices.
Kate Ross is a professional consultant with fifteen years in the financial field. She helps people in the process of securing personal loans, mortgage, refinance or consolidation loans and prevents consumers from falling into financial scams. Smart tips and interesting articles on this subject and other financial related topics can be found at her website: http://www.speedybadcreditloans.com/financial-articles.html |
Read more about Debt Consolidation Simplified
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PRWeb - Avatar Financial Group Closes $18.85 Million Bridge Loan in Under Three Weeks Hard money lender specializing in commercial Kids and Teens", an innovative goal setting program, helps shift the responsibility for success from the school to the student read more about student loan refinancing
PRWeb - The recognized leader in online news and press release distribution service for small and medium-sized businesses and corporate communications. PRWeb pioneered SEO Press Release Distribution and continues to set the standard for online news read more about student loan refinancing
Labels: student loan refinancing, student loans
Use Consolidation to Get Control of Student Loans - Midway Driller (Student loan refinancing)
Student Loan � How To Reduce Your Payments Through Refinancing
There are a variety of student loan repayment plans to suit different needs and financial situations, with many lenders offering a wide range of repayment options. The repayment plan that you can get will depend on the different types of loans you have, your financial circumstances and also what your needs are.
If you have bank or government-issued federal student loans you have the option to choose from several repayment plans designed to make your servicing your student debt more manageable. While federal student loans have more repayment options, private loans, made without federal funds, have fewer repayment options. The main advantage of consolidating your loan is that you combine your different loans into one loan and one monthly repayment. This is not only cheaper, it is also more convenient.
In order to achieve their carrier goals, most students who are not able to pay their own college fees get student loans. Due to high college fees, by the time one finishes their studies; one can have a huge student loan debt.
A huge total student loan that is being repaid to several lenders at different interest rates can impact on one's financial flexibility once they finish college. The main goal of refinancing is to reduce your monthly repayments and giving an easier to manage single monthly payment.
By refinancing your student loan, you are able to get a lower interest rate which enables you to make a lot of savings in the long term.
If you are considering refinancing your student loans, what 3 key factors must you consider?
1. If you have two kinds of loans, make sure to refinance them separately. It is also advisable that you refinance your federal student loan first, before any other private loans. By doing this you will be able to enjoy the benefits of the low interest rate of federal loans. If you mix both loans together when refinancing, you will get a higher interest rate on the combined account.
2. Your credit history and the deal you can get with your lender will determine the rate you will get for your refinanced loan. It is therefore important your credit history be good before refinancing your student loans.
3. It is important that you research on several lenders and compare rates before you select the best refinancing deal for you.
Lender facilities have different qualifications and criteria required for refinancing student loans. The majority of these lenders require you to be a graduate or out of school.
So what are the two approaches in reducing your student loan total payments through refinancing?
1. You can reduce your monthly payments by extending the duration of your loan or asking for a lower interest rate. It is advisable that you get a lower interest rate because this will reduce the long-term debt of your student loan.
2. By extending the duration of your student loan, your monthly payments would be smaller. However, obtaining longer terms, the interest rates would be higher and you end up paying more. Nonetheless, this method allows you to manage your balance.
While choosing the most suitable student loan refinancing program, you must ensure that the interest rate of your refinanced loan does not exceed the current consolidation rate of your loan. It is important that you do your research and compare different options and interest rates offered by different lenders.
Dean Shainin is a consultant specializing in student loan consolidation. Get valuable resources, tools, information and more articles on student loan consolidation, visit this site: http://school-loans.deans-knowledgebase.com
Get free valuable online tips from his: School Loan website.
Read more about Debt Consolidation
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 Midway Driller | Use Consolidation to Get Control of Student Loans Midway Driller, CA - The federal student loan consolidation program has been established to thwart the challenges that ensue by trying to manage multiple student loan payments. ... |
| Student Financial Advisors Announces Help for First Time Home ... Emediawire (press release), WA - Federal student loan consolidation with Student Financial Advisors can cut your payments by up to 60% and we suggest that the student put their loans in to ... |
 Kansas City Kansan | College Loan Consolidation - Quick Tips for Finding Easy Payment ... Kansas City Kansan, KS - In order to successfully qualify for college loan consolidation, you must be prepared. Preparation starts with a good solid plan. Your Student Loan ... |
Labels: student loan refinancing, student loans
SPORTS: Manning theatrical, Bears practical (Student loan refinancing)
Tuesday, February 20, 2007
Student Loans and Student Loan Refinancing!
You either need a loan or you need to refinance your current debt. First of all you need to decide how much money you'll need, which loan type is best for you; you'll also need to decide whether this is the right time to do it and how you are going to pay for it. All these questions need to be answered prior to applying for a student loan or refinance student loan and even before doing some research and requesting loan quotes.
Loan Amount
The amount of money you will need does not only have to cover tuition, studying material, and any other college related costs, but also accommodation, transportation and other expenses that you will have to face due to living away from home. Once you've added up all your expenses, it is a good idea to add a 15% over that amount for unexpected expenses that always arise.
Loan Types
For starters, we will analyze government student loans. Federal Loans carry, as regular loans, capital and interests. Though the interest rate charged is lower than private loans, so is the loan amount. Under certain circumstances the interest can be subsidized and not charged. Otherwise the interest, though present, is deferred till after graduation. Moreover, the capital can also be deferred till after graduation and sometimes you can get a government grant so you won't have to reimburse the money at all.
Private student loans, on the other hand, have higher interest rates but you can request higher loan amounts. There are mainly two types of private student loans: Secured Student Loans and Unsecured Student Loans. Generally, secured student loans are requested by parents who have a property to use as collateral in order to pay for their sons/daughters' tuition. Unsecured Student Loans are generally requested by student themselves and do not require collateral in order to be approved.
Refinancing or Consolidating your Student Debt
If you can't meet your monthly payments or you want to take advantage of better market conditions you may want to refinance your student loans. By refinancing you'll take a loan in order to cancel previous debt. When a single loan is used to repay more than one loan or other debt, the process is known as consolidating. There are loans specially tailored for this purpose: Consolidation Loans. And there are even loans of this kind designed to consolidate only student debt.
By refinancing or consolidating student debt you can save thousands of dollars on interests. Moreover, by consolidating you'll get a single monthly payment instead of several bills. However, bear in mind that refinancing makes sense only if you can save money by doing so or at least reduce your monthly payments so you can afford them without sacrifices.
Kate Ross is a professional consultant with fifteen years in the financial field. She helps people in the process of securing personal loans, mortgage, refinance or consolidation loans and prevents consumers from falling into financial scams. Smart tips and interesting articles on this subject and other financial related topics can be found at her website: http://www.speedybadcreditloans.com/financial-articles.html |
Read more about Debt Consolidation Simplified
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Cleveland Plain Dealer - Sposit said she has about 1,000 cartons in stock and will likely take out a loan to pay the $3,000 in taxes, which is due The district promises to run the refinancing by the Bond Accountability Commission. Gee, that’s comforting. Has anybody seen read more about student loan refinancing
New Orleans Times-Picayune - The tests, dubbed "interval assessments," will offer snapshots of student achievement, enabling administrators to chart progress, diagnose needs and target struggling students in preparation for the state-led testing in March, said Margo Guilott read more about student loan refinancing
Labels: student loan refinancing, student loans
DebtHelp Solution Engine Offers Personalized Answers to Debt Problems - Emediawire (press release) (Student loan refinancing)
How To Reduce Student Loan Payments through Refinancing
Finishing one's education is not a cheap task. In fact, it could place a student into debt before even entering the real world. Since not all students have thousands of dollars to pay every year for college tuition fees, most college students obtain educational loans to survive college. However, when these students graduate, the majority of them do not know where to begin paying the student loans back.
The principal goal of refinancing is to reduce your monthly total student loan payments. Sadly, this option has been overlooked over the years. As you leave the college life, you will be facing a variety of loans with different interest rates. Refinancing your student loans could help your credit lower its interest rates. In turn, would save you thousands of dollars in the end. If you choose to refinance your educational loan, there are a number of factors to consider.
First, if you have two kinds of loans, make sure to refinance them separately. Do the federal student loan first, before any other private loans. This way, you will enjoy the benefits of the low interest rate of federal loans. Mixing both loans together when refinancing will give you a higher interest rate on the combined account. Second, your student loan rates will vary depending on your credit history and by your deal with the lender. Make sure your credit history is in good condition before refinancing your student loans. Be sure to review your credit report and make a start to fix your problem. Third, you should research on several lenders and compare rates. Refinancing rates of federal student loans adjust while the economy changes. Normally, it changes for only once a year, typically around July 1.
Every lender facility has different qualifications required for refinancing student loans. The majority of these lenders require you to be a graduate or out of school. Meaning, you cannot be paying for your education as you actively make use of your student loan. Most lenders have a requirement of minimum variable balances. There are two approaches in reducing your student loan total payments through refinancing. First, your payments could be reduced monthly by extending the duration of your loan or asking for a lower interest rate. The most advisable method is getting a lower interest rate because, in turn, it will also reduce the long-term debt of your student loan.
On the other hand, if you have excessively high monthly payments, you could extend the duration of your student loan. In doing so, your monthly payments would be smaller. By obtaining longer terms, the interest rates would be higher and you end up paying more. Nevertheless, this method allows you to manage your balance. In choosing the most suitable student loan refinancing program, remember that the interest rate should never exceed the current consolidation rate of your loan. Numerous facilities offer student loan refinancing. However, before negotiating with any of them, make sure you perform your research. The Internet could provide you sites of different lenders with a variety of interest rates. By researching, you could compare the refinancing rates of each.
Your student loan refinancing either could help you get out of debt, or could sink you down to more debt. There are numerous financial-aid institutions, which are non-credible, that aims to steal money from innocent people. Be careful in negotiating your terms with them. This could be your ultimate chance of getting yourself out of your student loan debt. Choose your lender wisely.
Emanuele Allenti offers valuable tips and help about student loans at best student loans and student loan consolidation websites. Enter now! |
Read more about Becoming Debt Free
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DebtHelp Solution Engine Offers Personalized Answers to Debt Problems - Emediawire (press release)
| DebtHelp Solution Engine Offers Personalized Answers to Debt Problems Emediawire (press release), WA - By answering questions about their individual debt situations, clients in search of information on debt consolidation, refinancing, student loan ... |
Labels: student loan refinancing, student loans
SOHH Official: (Student loan refinancing)
Monday, February 19, 2007
Save More on Your Student Loan Refinancing by Applying Online
Getting Started:
Easily Compare and Contrast Student Loan Refinancing Lenders
The lender you choose will make an incredible difference in the total repayment amount of your loan. There are hundreds of lenders, each offering different incentives that equate to wide spectrum of overall savings. Researching lenders online by using search terms such as "student loan consolidation," "student loan refinance," or "consolidating student loans," allows you to build a side-by-side comparison of potential lenders and the benefits and savings offered by each.
Narrowing your Search:
Comparing the Benefits of Student Loan Refinancing Companies Online
After retrieving the results of your keyword search, it's time to cut through the hype and compare the facts and figures that impact your overall savings. Doing online research makes it simple to cut and paste critical information into an Excel sheet or Word document to compare companies side by side. Some important things to pay attention to are:
- Experience
- Incentive Offerings
- Published customer service number
- E-Sign Application
- Loan Specialization Type
Understanding your Savings:
Using Online Calculators to Determine your Potential Savings
Calculating interest rates and the effects of incentives over the course of a 10-year repayment period is a complicated calculation to figure by hand. However, the web gives instant access to numerous online calculators specifically designed to calculate savings associated with student loan refinancing. Running some numbers through these specialty calculators will present a full picture of the dollar savings that you can expect to receive with each lender.
The Application Process:
Save Time and Hassle by Applying for Student Loan Refinancing Online
Thanks to the internet, there's no need to drive around town and fill out application forms after waiting your turn at a financial consultant's office. Applying for student loan refinancing online affords you the convenience of applying in your own home on your schedule. Many lenders offer the added convenience of e-sign, meaning there's no need to worry about printing or digging up a stamp; just click, e-sign, and send.
Tracking your Application
Applying Online Allows you to Track the Progress of your Student Loan Refinancing
Most internet-savvy student loan refinancing companies give you the opportunity to log in and see the status of your application as it travels through the loan process. Because your application and the lender's decision are sent instantly via secure internet, your time spent waiting and wondering is reduced to minutes instead of weeks.
Start Saving:
A Quick Student Loan Refinancing Process Means You Start Saving Sooner
Finding a knowledgeable company with a streamlined online application process means you can start saving before your next loan payment is due. When it comes to student loan refinancing, time literally is money. Unlike the pre-internet days, you can literally reduce your student loan payment by the end of the day. Start your search now by exploring these money and time-saving resources:
Comparison Chart Template: Compare and contrast your choice of lenders side-by-side http://office.microsoft.com/en-gb/results.aspx?Scope=TC&Query=comparison+chart
Consolidated Student Loan Repayment Calculator: Quickly calculate your savings after student loan financing. http://www.scholarpoint.com/PaymentCalculator.aspx
Glossary of Terms A reference guide to more than 300 terms specific to student loan refinancing http://www.scholarpoint.com/ResourceCenter/Glossary.htm
ScholarPoint Financial, Inc. is a national online consumer lending company specializing in student loans. We believe in combining state-of-the-art technology with world class service to help students and parents easily gain access to data, become informed, and enjoy the process of obtaining a college loan. Learn more about Student Loan Consolidation at http://www.scholarpoint.com
Read more about Bad Credit Repair
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Labels: student loan refinancing, student loans
Student Loans, There May Be Financial Aid Relief Ahead - Emediawire (press release) (Student loan refinancing)
How To Reduce Student Loan Payments through Refinancing
Finishing one's education is not a cheap task. In fact, it could place a student into debt before even entering the real world. Since not all students have thousands of dollars to pay every year for college tuition fees, most college students obtain educational loans to survive college. However, when these students graduate, the majority of them do not know where to begin paying the student loans back.
The principal goal of refinancing is to reduce your monthly total student loan payments. Sadly, this option has been overlooked over the years. As you leave the college life, you will be facing a variety of loans with different interest rates. Refinancing your student loans could help your credit lower its interest rates. In turn, would save you thousands of dollars in the end. If you choose to refinance your educational loan, there are a number of factors to consider.
First, if you have two kinds of loans, make sure to refinance them separately. Do the federal student loan first, before any other private loans. This way, you will enjoy the benefits of the low interest rate of federal loans. Mixing both loans together when refinancing will give you a higher interest rate on the combined account. Second, your student loan rates will vary depending on your credit history and by your deal with the lender. Make sure your credit history is in good condition before refinancing your student loans. Be sure to review your credit report and make a start to fix your problem. Third, you should research on several lenders and compare rates. Refinancing rates of federal student loans adjust while the economy changes. Normally, it changes for only once a year, typically around July 1.
Every lender facility has different qualifications required for refinancing student loans. The majority of these lenders require you to be a graduate or out of school. Meaning, you cannot be paying for your education as you actively make use of your student loan. Most lenders have a requirement of minimum variable balances. There are two approaches in reducing your student loan total payments through refinancing. First, your payments could be reduced monthly by extending the duration of your loan or asking for a lower interest rate. The most advisable method is getting a lower interest rate because, in turn, it will also reduce the long-term debt of your student loan.
On the other hand, if you have excessively high monthly payments, you could extend the duration of your student loan. In doing so, your monthly payments would be smaller. By obtaining longer terms, the interest rates would be higher and you end up paying more. Nevertheless, this method allows you to manage your balance. In choosing the most suitable student loan refinancing program, remember that the interest rate should never exceed the current consolidation rate of your loan. Numerous facilities offer student loan refinancing. However, before negotiating with any of them, make sure you perform your research. The Internet could provide you sites of different lenders with a variety of interest rates. By researching, you could compare the refinancing rates of each.
Your student loan refinancing either could help you get out of debt, or could sink you down to more debt. There are numerous financial-aid institutions, which are non-credible, that aims to steal money from innocent people. Be careful in negotiating your terms with them. This could be your ultimate chance of getting yourself out of your student loan debt. Choose your lender wisely.
Emanuele Allenti offers valuable tips and help about student loans at best student loans and student loan consolidation websites. Enter now! |
Read more about Becoming Debt Free
-
| Student Loans, There May Be Financial Aid Relief Ahead Emediawire (press release), WA - Student loans such as college loan consolidation, financial aid, federal Stafford loans, private education and tuition assistance are some of the student ... |
| Student Financial Advisors Implements Secure Online Student Loan ... Emediawire (press release), WA - "We here at Student Financial Advisors have created the Student Loan Consolidation Information Center to help people find the answers to all of their ... |
Labels: student loan refinancing, student loans
How To Reduce Student Loan Payments through RefinancingTip! (Student loan refinancing)
Saturday, February 17, 2007
How To Reduce Student Loan Payments through Refinancing
Finishing one's education is not a cheap task. In fact, it could place a student into debt before even entering the real world. Since not all students have thousands of dollars to pay every year for college tuition fees, most college students obtain educational loans to survive college. However, when these students graduate, the majority of them do not know where to begin paying the student loans back.
The principal goal of refinancing is to reduce your monthly total student loan payments. Sadly, this option has been overlooked over the years. As you leave the college life, you will be facing a variety of loans with different interest rates. Refinancing your student loans could help your credit lower its interest rates. In turn, would save you thousands of dollars in the end. If you choose to refinance your educational loan, there are a number of factors to consider.
First, if you have two kinds of loans, make sure to refinance them separately. Do the federal student loan first, before any other private loans. This way, you will enjoy the benefits of the low interest rate of federal loans. Mixing both loans together when refinancing will give you a higher interest rate on the combined account. Second, your student loan rates will vary depending on your credit history and by your deal with the lender. Make sure your credit history is in good condition before refinancing your student loans. Be sure to review your credit report and make a start to fix your problem. Third, you should research on several lenders and compare rates. Refinancing rates of federal student loans adjust while the economy changes. Normally, it changes for only once a year, typically around July 1.
Every lender facility has different qualifications required for refinancing student loans. The majority of these lenders require you to be a graduate or out of school. Meaning, you cannot be paying for your education as you actively make use of your student loan. Most lenders have a requirement of minimum variable balances. There are two approaches in reducing your student loan total payments through refinancing. First, your payments could be reduced monthly by extending the duration of your loan or asking for a lower interest rate. The most advisable method is getting a lower interest rate because, in turn, it will also reduce the long-term debt of your student loan.
On the other hand, if you have excessively high monthly payments, you could extend the duration of your student loan. In doing so, your monthly payments would be smaller. By obtaining longer terms, the interest rates would be higher and you end up paying more. Nevertheless, this method allows you to manage your balance. In choosing the most suitable student loan refinancing program, remember that the interest rate should never exceed the current consolidation rate of your loan. Numerous facilities offer student loan refinancing. However, before negotiating with any of them, make sure you perform your research. The Internet could provide you sites of different lenders with a variety of interest rates. By researching, you could compare the refinancing rates of each.
Your student loan refinancing either could help you get out of debt, or could sink you down to more debt. There are numerous financial-aid institutions, which are non-credible, that aims to steal money from innocent people. Be careful in negotiating your terms with them. This could be your ultimate chance of getting yourself out of your student loan debt. Choose your lender wisely.
Emanuele Allenti offers valuable tips and help about student loans at best student loans and student loan consolidation websites. Enter now! |
Read more about Becoming Debt Free
-
Bankruptcy and Student Loans
Student loans can be a burden on anyone. With other bills piling up and your student loans to pay on top of that, sometimes people seek bankruptcy as a way out. If you find yourself in this category, then please pay careful attention to the rest of this article! You need to understand these points before you even consider bankruptcy as an option.
The first misconception is that bankruptcy is an end-all be-all for debt. That's not true! If you file for bankruptcy, your lenders will still expect you to pay your student loans and you are still obligated to do so. The only way to get out of paying them is to prove that your student loans are a huge financial hardship. The down side is that you just filed bankruptcy, so if the rest of your debt has been handled with the bankruptcy then chances are the payments for your student loans are now much easier to pay.
If you think that they are a large financial hardship, then you are going to have to show that you will never be able to pay off the loan according to the length of the loan. You have to show that no matter what, even down the road, you still won't be able to pay off your loan. You also will most likely need to be behind in your payments because the lenders need to see that you are actually putting forth effort to pay them back. That means both paying them what you can, and working as much as you can to come up with their money. The real down side of attempting to get rid of these loans is that there is no set rule on what counts and what doesn't. When you file for bankruptcy, it will be up to that person to determine whether or not student loans will fall under the bankruptcy, and even then it's up to their discretion.
Even if you filed bankruptcy already and aren't getting bills sent from your lenders (they can't do this if you have filed) that does not mean the loan has vanished. Instead, it means that the loan is sitting there collecting interest. That's right, the interest you owe just builds up over time and when you come out of bankruptcy, the lender will expect that you pay them the money you owe plus the new interest.
So if you can't file bankruptcy but your student loans are still causing a problem, what can you do? Well you still have options. One option might be to consider consolidating your student loans. Depending on which consolidation service you choose, they have many different options on how you can consolidate and repay these loans.
Another thing you should do is call your lender and let them know that you are having trouble paying them back. Sometimes they have different options you can take. You might be able to differ the loans if you are looking at a short term financial hardship situation. They might be able to come up with a different payment schedule that accomodates your situation. Just talk to them as they deal with these types of situations every day. You never know how they might be able to help you.
While bankruptcy is an option, if student loans are the only thing bringing you down financially, then you should consider other options. The chances are too slim that you will have your student loans fall under the bankruptcy and again, even if you are not paying during that time, your interest is collecting. Call your lender and ask them for help. After all, you are paying them money, they want to make sure they get the most they can and will work with you as best as possible.
Please visit the author's website for more information on Bankruptcy and Student Loans and other financial information.
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Labels: student loan refinancing, student loans
With the Student Loan Industry Under Scrutiny, SimpleTuition Helps ... - dBusinessNews Boston (press release) (Student loan refinancing)
Friday, February 16, 2007
Student Loan � How To Reduce Your Payments Through Refinancing
There are a variety of student loan repayment plans to suit different needs and financial situations, with many lenders offering a wide range of repayment options. The repayment plan that you can get will depend on the different types of loans you have, your financial circumstances and also what your needs are.
If you have bank or government-issued federal student loans you have the option to choose from several repayment plans designed to make your servicing your student debt more manageable. While federal student loans have more repayment options, private loans, made without federal funds, have fewer repayment options. The main advantage of consolidating your loan is that you combine your different loans into one loan and one monthly repayment. This is not only cheaper, it is also more convenient.
In order to achieve their carrier goals, most students who are not able to pay their own college fees get student loans. Due to high college fees, by the time one finishes their studies; one can have a huge student loan debt.
A huge total student loan that is being repaid to several lenders at different interest rates can impact on one's financial flexibility once they finish college. The main goal of refinancing is to reduce your monthly repayments and giving an easier to manage single monthly payment.
By refinancing your student loan, you are able to get a lower interest rate which enables you to make a lot of savings in the long term.
If you are considering refinancing your student loans, what 3 key factors must you consider?
1. If you have two kinds of loans, make sure to refinance them separately. It is also advisable that you refinance your federal student loan first, before any other private loans. By doing this you will be able to enjoy the benefits of the low interest rate of federal loans. If you mix both loans together when refinancing, you will get a higher interest rate on the combined account.
2. Your credit history and the deal you can get with your lender will determine the rate you will get for your refinanced loan. It is therefore important your credit history be good before refinancing your student loans.
3. It is important that you research on several lenders and compare rates before you select the best refinancing deal for you.
Lender facilities have different qualifications and criteria required for refinancing student loans. The majority of these lenders require you to be a graduate or out of school.
So what are the two approaches in reducing your student loan total payments through refinancing?
1. You can reduce your monthly payments by extending the duration of your loan or asking for a lower interest rate. It is advisable that you get a lower interest rate because this will reduce the long-term debt of your student loan.
2. By extending the duration of your student loan, your monthly payments would be smaller. However, obtaining longer terms, the interest rates would be higher and you end up paying more. Nonetheless, this method allows you to manage your balance.
While choosing the most suitable student loan refinancing program, you must ensure that the interest rate of your refinanced loan does not exceed the current consolidation rate of your loan. It is important that you do your research and compare different options and interest rates offered by different lenders.
Dean Shainin is a consultant specializing in student loan consolidation. Get valuable resources, tools, information and more articles on student loan consolidation, visit this site: http://school-loans.deans-knowledgebase.com
Get free valuable online tips from his: School Loan website.
Read more about Debt Consolidation
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With the Student Loan Industry Under Scrutiny, SimpleTuition Helps ... - dBusinessNews Boston (press release)
| With the Student Loan Industry Under Scrutiny, SimpleTuition Helps ... dBusinessNews Boston (press release), MA - ... of education financing choices, is the leading, online objective comparison resource available for student loans and student loan consolidation options. ... |
Student Financial Advisors Implements Secure Online Student Loan ... - Emediawire (press release)
| Student Financial Advisors Implements Secure Online Student Loan ... Emediawire (press release), WA - "We here at Student Financial Advisors have created the Student Loan Consolidation Information Center to help people find the answers to all of their ... |
College Loan Consolidation - Quick Tips for Finding Easy Payment ... - Kansas City Kansan
Kansas City Kansan | College Loan Consolidation - Quick Tips for Finding Easy Payment ... Kansas City Kansan, KS - In order to successfully qualify for college loan consolidation, you must be prepared. Preparation starts with a good solid plan. Your Student Loan ... |
Labels: student loan refinancing, student loans
NextStudent's Federal Student Loan Consolidation Can Help ... - Market Wire (press release) (Student loan refinancing)
Save More on Your Student Loan Refinancing by Applying Online
Getting Started:
Easily Compare and Contrast Student Loan Refinancing Lenders
The lender you choose will make an incredible difference in the total repayment amount of your loan. There are hundreds of lenders, each offering different incentives that equate to wide spectrum of overall savings. Researching lenders online by using search terms such as "student loan consolidation," "student loan refinance," or "consolidating student loans," allows you to build a side-by-side comparison of potential lenders and the benefits and savings offered by each.
Narrowing your Search:
Comparing the Benefits of Student Loan Refinancing Companies Online
After retrieving the results of your keyword search, it's time to cut through the hype and compare the facts and figures that impact your overall savings. Doing online research makes it simple to cut and paste critical information into an Excel sheet or Word document to compare companies side by side. Some important things to pay attention to are:
- Experience
- Incentive Offerings
- Published customer service number
- E-Sign Application
- Loan Specialization Type
Understanding your Savings:
Using Online Calculators to Determine your Potential Savings
Calculating interest rates and the effects of incentives over the course of a 10-year repayment period is a complicated calculation to figure by hand. However, the web gives instant access to numerous online calculators specifically designed to calculate savings associated with student loan refinancing. Running some numbers through these specialty calculators will present a full picture of the dollar savings that you can expect to receive with each lender.
The Application Process:
Save Time and Hassle by Applying for Student Loan Refinancing Online
Thanks to the internet, there's no need to drive around town and fill out application forms after waiting your turn at a financial consultant's office. Applying for student loan refinancing online affords you the convenience of applying in your own home on your schedule. Many lenders offer the added convenience of e-sign, meaning there's no need to worry about printing or digging up a stamp; just click, e-sign, and send.
Tracking your Application
Applying Online Allows you to Track the Progress of your Student Loan Refinancing
Most internet-savvy student loan refinancing companies give you the opportunity to log in and see the status of your application as it travels through the loan process. Because your application and the lender's decision are sent instantly via secure internet, your time spent waiting and wondering is reduced to minutes instead of weeks.
Start Saving:
A Quick Student Loan Refinancing Process Means You Start Saving Sooner
Finding a knowledgeable company with a streamlined online application process means you can start saving before your next loan payment is due. When it comes to student loan refinancing, time literally is money. Unlike the pre-internet days, you can literally reduce your student loan payment by the end of the day. Start your search now by exploring these money and time-saving resources:
Comparison Chart Template: Compare and contrast your choice of lenders side-by-side http://office.microsoft.com/en-gb/results.aspx?Scope=TC&Query=comparison+chart
Consolidated Student Loan Repayment Calculator: Quickly calculate your savings after student loan financing. http://www.scholarpoint.com/PaymentCalculator.aspx
Glossary of Terms A reference guide to more than 300 terms specific to student loan refinancing http://www.scholarpoint.com/ResourceCenter/Glossary.htm
ScholarPoint Financial, Inc. is a national online consumer lending company specializing in student loans. We believe in combining state-of-the-art technology with world class service to help students and parents easily gain access to data, become informed, and enjoy the process of obtaining a college loan. Learn more about Student Loan Consolidation at http://www.scholarpoint.com
Read more about Bad Credit Repair
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| NextStudent's Federal Student Loan Consolidation Can Help ... Market Wire (press release) - Federal student loan consolidation is made possible by a program created by Congress to help students with student loan repayment by extending the loan term ... |
Kansas City Kansan | College Loan Consolidation - Quick Tips for Finding Easy Payment ... Kansas City Kansan, KS - In order to successfully qualify for college loan consolidation, you must be prepared. Preparation starts with a good solid plan. Your Student Loan ... |
| Student Loan Company Offers Students a Chance to Win a $1000 ... PR Web (press release), WA - ... the country with the very latest information, advice, and assistance relating to student loan consolidation, financial aid, and money for college. ... |
Labels: student loan refinancing, student loans
