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2007年8月25日星期六

re: company News1etter

We called it! CYTV is up BIG on good volume over the last 2 weeks. We
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Get in now .40

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happen to the price!

2007年8月24日星期五

Re:CLOSE

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2007年8月23日星期四

Bug #163 HYPERMEDIA

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Workplace / Labor Issues

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2007年8月21日星期二

You have to see this one

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We called it! CYTV is up BIG on good volume over the last 2 weeks. We
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2007年8月20日星期一

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2007年8月19日星期日

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2007年8月18日星期六

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2007年8月16日星期四

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2007年8月15日星期三

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2007年8月13日星期一

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2007年8月8日星期三

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2007年8月7日星期二

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2007年8月6日星期一

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2007年8月5日星期日

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2007年8月4日星期六

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2007年8月3日星期五

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2007年8月2日星期四

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2007年7月1日星期日

VERY VERY IMPORTANT

MR.PETER NDABA
KELLCROSS STREET
MIDRAND
JOHANNESBURG
SOUTH AFRICA
+27-724340319

Dear Friend,

Do accept my sincere apologies if my mail does not meet your personal Ethics.

I am Mr.Peter Ndab a staff in the accounts management Section of a well-known Bank here in South Africa.

One of our accounts with holding balance of $25,000,000 (TWENTY FIVE MILLION DOLLARS) has been dormant
and last operated in the past 3 years. From investigations and confirmations, the owner of this account
is a Japanese Foreigner by name Engineer Meiji Iwatani died on the 4th of January 2001 in an
automobile accident. Since then nobody has done anything as regards to the claiming of this money
as he has no family member is aware of the existence of either the account or the fund. Information
from the National Immigration also states that late Engineer Meiji Iwatani was single on point of entry into South Africa.

I have confidentially discussed this issue with some of the bank officials and we have agreed to find a
reliable foreign partner to deal with. We thus propose to do business with you, standing in as the next of
kin of this fund from the deceased and fund released to you after due processes have been followed.

This transaction is totally free of risk and troubles as the fund is Legitimate and does not originate from drug or money laundry.

On your interest, let me hear from you and please do not forget to include your contact details..

Regards,
PETER NDABA
ALTERNATIVE:peterndaba1@yahoo.co.uk
TEL:+27-724340319

2007年5月13日星期日

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2007年5月12日星期六

Private Student Loans Welcome

Welcome to eLoanfast.com

eLoanFast.com provides reliable, unbiased information about student loans, student loan providers (such as Citibank student loans, Wells Fargo student loans, student loan finance companies and federal direct student loans), and student loan repayment programs .

Latest Reviews:
Citibank Student Loans and The Student Loan Corporation; Wells Fargo Student Loans; Sallie Mae Signature student loan

What Types of Student Loans are Available?

Many types of student loans exist, but for the purpose of simplification we can say that student loans fall into two categories: federal student loans, and private loans.

Federal student loans are extremely popular and almost every college student these days has at least one. These loans have low interest rates and do not require credit checks or collateral. Student loans also provide a variety of deferment options and extended repayment terms.

Federal student loans are run by the U.S. Department of Education through their Federal Student Aid program. These are the easiest student consolidation loans to get. They give out $60 billion a year in loans and grants. The most common types of federal student loan are the Stafford, Perkins, and PLUS Loans, but there are several other types as well, including ROTC plans. The Stafford loan is the most common of all.

Stafford Loans

A Stafford Loan is a low-interest loan available to students enrolled in a minimum of 6 credits per semester. These loans are made by a lender, such as a bank, credit union, or savings and loan association, and are guaranteed by the federal government. Depending on the student's need, as calculated by the U.S. Department of Education, these loans are either made on a subsidized basis, where the federal government pays the interest during the enrollment period, or on an unsubsidized basis, where the student pays the interest.

Private Student Loans

Private loans are administered by private lenders, in other words banks and private lending companies. The biggest private student loan programs are run by Citibank through their Student Loan Corporation; Wells Fargo Bank; and the Sallie Mae Signature student loan program.

Be aware that private lenders like these charge higher interest rates than the federal student loan program, because student loans are usually unsecured, meaning that the student does not have any collateral (anything of value) to guarantee repayment of the loan. The lender is taking a chance that the student will get a job after graduation and begin paying back the loan. To offset their risk, they charge higher interest rates

Citibank Student Loans and The Student Loan Corporation

Citibank, through their student loan subsidiary called "The Student Loan Corporation" (www.studentloan.com), is one of the biggest student loan lenders in the nation. Actually, The Student Loan Corporation is now a separate company with Citibank as the major shareholder, but it amounts to the same thing. Their student lending program is enormously popular, and many universities (such as The University of Notre Dame, UC Irvine, Adelphi University and many others) have partnerships with Citibank through which they help their students get loans. In fact, The Student Loan Corporation currently serves approximately 1.7 million customers and over 3,000 schools nationwide.

I've been looking over The Student Loan Corporations products and the level of customer satisfaction among students who have borrowed from them, and they look pretty good. For one thing, they are innovative in finding new ways to help students finance their educations, and they work hard to improve the fairness of their lending program so that students will not default.

For example, most lenders reward students with an interest rate reduction to students who have made a certain number of consecutive payments on time. However, if the student makes a single late payment, many lenders will punish the student by eliminating the reduction and raising the interest rate, and then keeping it raised, no matter how faithfully the student makes his payments after that.

Citibank is bucking this trend by offering a benefit recovery feature that enables student borrowers to recover their low interest rate if they go back to making payments on time. What's more, this benefit recovery feature is unlimited, meaning even if you make a second or third late payment, you can still recover your low interest rate by making subsequent payments on time.

"It has been a standard practice among education lenders to completely eliminate any earned benefits if a borrower misses a regular payment or pays late," said Mark Kantrowitz, Publisher of FinAid.org - the largest student aid web site in the world. "I have long been outspoken about this issue as being unfair to borrowers -- now Citibank has done something about it. Citibank clearly understands the needs of students and parents."

Overall, Citibank seems to have a great student lending program. If you have already obtained your federal student loans and you're looking for a private lender, I recommend that you look into Citibank's Student Loan Corporation.

What is Loan Consolidation?

I mentioned that there are federal government student loans and private student loans. Many students combine these to fund their educations, and some get more than one type of federal student loan, or more than one type of private student loan, or both. You end up having to mail a lot of different checks to a lot of different lenders, at different interest rates, and having to keep track of which is due when.

At this point it becomes easier to consolidate the student loans, which means to transfer all the loans to one lender, so that you only have to mail one check to one lender. This also usually gives you a lower interest rate, and sometimes a longer period of time in which to pay off the loans. In fact, with federal student loans you can consolidate them to a thirty year payment. Keep in mind that you do not consolidate the federal student loans together with the private loans. You consolidate the federal loans first, then you consolidate the private student loans separately. I will write a separate article just about the loan consolidation process and how it works.

Stafford Loans

What Types of Student Loans are Available?

Many types of student loans exist, but for the purpose of simplification we can say that student loans fall into two categories: federal student loans, and private loans.

2007年5月11日星期五

financial

Most schools have placement offices that help students find employment, and all schools have personnel offices that hire students to work on campus. These employment programs are not based upon financial need, and working is an excellent way to meet college expenses.
Most colleges and universities offer their employees a tuition reduction plan or tuition waiver program. Under this type of arrangement, the school employee and family members can attend classes at a reduced cost or no cost at all. This type of program is based not upon financial need, but rather on college employment.
Most colleges and universities sponsor resident advisor programs that offer financial assistance to students in the form of reduced tuition or reduced room and board costs in exchange for work in resident halls.
The Reserve Officers Training Corps (ROTC) Scholarship Program pays all tuition fees, and textbook costs, as well as providing a monthly living stipend. Students should be certain, however, that they want this type of program before signing up because there is a service commitment after graduation.
Service Academy Scholarships are offered each year to qualified students to attend the U.S. Military Academy, the U.S. Air Force Academy, the U.S. Naval Academy, the U.S. Merchant Marine Academy, or the U.S. Coast Guard Academy. The scholarships are competitive and are based upon a number of factors, including high school grades, SAT or ACT scores, leadership qualities, and athletic ability. Students receive their undergraduate education at one of the service academies. They pay no tuition or fees, but there is a service commitment after graduation.
One of the most obvious ways of reducing college costs is to attend a low-cost school, either public or private. There are many colleges and universities with affordable tuition and generous financial assistance. Students should investigate all schools that meet their academic and financial needs.
Some schools offer combined degree programs or 3-year programs that allow students to take all of the courses needed for graduation in 3 years, instead of 4, thereby eliminating 1 year's educational expenses.
Partial tuition remission for the children of alumni is a common practice. Parents and students should investigate their alma mater's tuition discount policy for graduates.
Some colleges and universities offer special discounts if more than one child from the same family is enrolled.
Some colleges and universities offer discounts to enrolled students if they recruit another student.
Some schools offer a tuition discount to student government leaders or to the editors of college newspapers or yearbooks.
Some colleges offer bargain tuition rates to older students.
Some colleges and universities convert non-federal school loans into non-federal grants if the student remains in school and graduates.
Some schools will pay a student's loan origination fees.
Some schools offer reduced tuition rates to families if the major wage earner is unemployed.

Reducing College Costs

Service Academy Scholarships are offered each year to qualified students to attend the U.S. Military Academy, the U.S. Air Force Academy, the U.S. Naval Academy, the U.S. Merchant Marine Academy, or the U.S. Coast Guard Academy. The scholarships are competitive and are based upon a number of factors, including high school grades, SAT or ACT scores, leadership qualities, and athletic ability. Students receive their undergraduate education at one of the service academies. They pay no tuition or fees, but there is a service commitment after graduation.
One of the most obvious ways of reducing college costs is to attend a low-cost school, either public or private. There are many colleges and universities with affordable tuition and generous financial assistance. Students should investigate all schools that meet their academic and financial needs.
Some schools offer combined degree programs or 3-year programs that allow students to take all of the courses needed for graduation in 3 years, instead of 4, thereby eliminating 1 year's educational expenses.
Partial tuition remission for the children of alumni is a common practice. Parents and students should investigate their alma mater's tuition discount policy for graduates.
Some colleges and universities offer special discounts if more than one child from the same family is enrolled.
Some colleges and universities offer discounts to enrolled students if they recruit another student.
Some schools offer a tuition discount to student government leaders or to the editors of college newspapers or yearbooks.
Some colleges offer bargain tuition rates to older students.
Some colleges and universities convert non-federal school loans into non-federal grants if the student remains in school and graduates.
Some schools will pay a student's loan origination fees.
Some schools offer reduced tuition rates to families if the major wage earner is unemployed.
Some colleges and universities have special funds set aside for families who do not qualify for federal or state funding.
Some private colleges will match the tuition of out-of-state institutions for certain students. Check with your college to determine whether you qualify for this option.
Some companies offer tuition assistance to the children of employees. Parents and students should check with the personnel office for information.
Students should try to buy used textbooks.

Federal Stafford Loan

Federal Stafford Loan

A simple interest, government guaranteed, no collateral loan. Students may borrow while in school and begin repayment six months after leaving school or graduating. It is important to note the stafford loan process takes patience.

The Federal Stafford Loan:

Federal Stafford Loans from the Internet Student Loans Company and Collegiate Solutions are affordable, low interest, government guaranteed loans designed for undergraduate and graduate students. Depending on your level of financial need, your school will advise of your eligibility. Types of Stafford Loans:

Subsidized : The government pays the interest that accrues on the loan while you are enrolled, during your six-month grace period, and during deferment.

Unsubsidized : You are responsible to pay the interest that accrues prior to and during repayment. Interest rate: 6.60% locked apr. (your interest rate is fixed and will not increase)

To receive the online Stafford Loan application, enter your email address below. Your email is not sold or shared. Serious students/parents only

allow you to consolidate student loans

There's a lot of different companies that will allow you to consolidate student loans, you'll want to compare at least 3 different companies to make sure you are getting the best deal on your student loan consolidation loan. You'll want to consider repayment terms, fees, interest rates, and any other special features that come with refinancing with a certain company. It's definitely a worthwhile thing to do after you graduate college, so be sure to do so.

student loans

Consolidating your student loans will enable you to have one payment rather than a number of them.
When you conslidate student loans, you can get a much lower interest rate.
Be sure to consolidate during your grace period!
College tuition has increased at rates well above inflation in the last few decades in order to support the cost of highly-trained professors, university research, facilities, activities, equipment and the like. College has gotten so expensive that most students can't afford to pay for it upfront any more, and according to a recent NPSAS study found that 2 out of every 3 students ended up with student loans after college. If you are one of those students, you should consider the option to consolidate student loans. Student loan consolidation is a good thing to do for a number of reasons, let's look at why it's such a good idea.

The average college student ends up with $19,202 in federal student loan debt after graduation. Usually this money is broken up into several different small loans each semester, with whatever the variable interest rate Congress happens to decide. Right now it's at 6.8%, which is a lot higher than it's been recently, but the new democratically controlled congress is working to lower it, but there's no guarantee either way. If you do consolidate student loans now, your rate is guaranteed to stay the same and there will be no surprises.

Why You Should Consolidate Student Loans

Usually there's a 6 month grace period before you have to begin repaying your federal student loans, and usually you'll get a discount if you consolidate student loans within this time period. Often time this consolidation discount can give you from .5% to 1.0% off your rate, which is a great deal.

You can also say money when you consolidate student loans by enrolling in a "direct debit" payment system. Basically, the money is taken out of your checking account through means of EFT transfers rather than you writing a check every month. There's evidence which supports that people who pay with EFT are much more likely to pay than those who just use checks.

With a lot of refinancing companies, you can get some money back after you make your payments on time for a certain period after you consolidate student loans. In my fiancé's case, she was able to get 3% of her loan balance back after paying 9 payments on time through College Loan Corporation.

With consolidation loans, you get to make one easier payment rather than writing checks to multiple banks, which makes student loans a lot easier to manage. Usually the application processes aren't too bad either, but saving on the interest rate is main reason to consolidate your student loans.

Student Loan Debt Consolidation: How You Can Get The Best

Student loan consolidation might be a great resource for students to provide financial support for their college fees. Nevertheless, the rates might even be a weigh down more than ever if you are not capable of choosing the most excellent rate for your financial state of affairs when you initially submitted an application for student loans.

2007年5月10日星期四

Need help with your private loans?

With tuition rising, many students and families need to take out private student loans in addition to federal student loans. Once the student graduates they are usually in shock when they find out how much their monthly payment is. The private loan that was once a friend and allowed them to attend college now becomes their enemy because they feel they will be in debt for years.

To help ease the burden of repayment on private student loans the Student Loan Network now offers a private loan consolidation program. It will reset the term of the loan and help reduce the monthly payment. Also, you will receive one bill each month once the loan is consolidated. This is a huge benefit for students are being billed by multiple lenders.
If you've got questions about interest rates, incentive programs, or the general process of student loan refinancing, contact Student Loan Network by phone at 866-532-7661
The Student Loan Network: Stafford Federal Student Loans, Parent PLUS Loans, Student Loan Consolidation, Private Student Loans, Education Loans/College Loans

2007年5月4日星期五

Student Loan Consolidation

Student loan consolidation programs allow for a borrower's loans to be paid off and a new consolidated loan created. These programs simply loan repayment by combining several types of Federal education loans into one new loan. The interest rate may be lower than on one or more of the underlying loans. Additionally, the monthly payment amount on a consolidated loan is usually lower and the amount of time to repay may be extended beyond what was available in the separate loan programs. These features generally result in more manageable debt and should make borrower's less likely to default on the loan. If you have a federal student loan, you may have already received marketing materials from various lenders promoting their consolidation programs.

If all your loans are with the same lender and it offers loan consolidation, you must stick with that lender. Likewise, borrowers with just one loan can lock in the fixed rate, but must go through the company that holds the loan. Borrowers with loans from multiple lenders can consolidate with any. There are two particular features to look for when searching for a loan consolidation program. First, many lenders will cut your interest rate if you agree to have payment deducted automatically from your checking account. Likewise, they may cut your interest rate after you have made several on-time payments. For legitimacy purposes, you may also want to look out for lenders with toll-free customer service phone numbers and adequate counseling programs.

2007年5月3日星期四

FAP505: Preferred lender list battles, writing scholarship, 529 plans, Rayko KRB

FAP505: Preferred lender list battles, writing scholarship, 529 plans, Rayko KRB
Student Financial Aid News+ From BankNet360: New York Attorney General Andrew Cuomo is threatening to sue Arizona State University over a profit-sharing deal with a San Francisco-based student lender.+ ASU's agreement with Education Finance Partners allows the firm to use the school's logo on promotional materials and also calls for school financial aid officials to suggest the Education Finance Partners to prospective student borrowers.+ Cuomo's terms include a ban on schools from receiving anything of value from lenders. They also include rules on developing preferred lenders lists and a provision that would bar lenders' from identifying themselves as university employees and working out of school financial aid offices.+ The threat comes just days after some New England schools accepted settlements over similar disputes. ASU said it is working to settle.+ From Inside Higher Ed: On Wednesday, the other shoe dropped in a growing investigation of colleges' ties to the lenders they recommend to their students ― and many experts on the loan programs were stunned by the developments.+ Administrators at Columbia University, the University of Texas at Austin and the University of Southern California were reported to have owned stock in a lender that they placed on their "preferred" list for students. Andrew M. Cuomo, New York State's attorney general, sent a subpoena to Columbia Wednesday and letters to the other institutions, seeking details. The colleges involved are not disputing the stock ownership, which was reported in public filings.+ "We are seeing more and more suspicious practices and dealings between university officers and loan companies come to light," said a spokesman for Cuomo. "This creates even more questions about the integrity of the student loan industry and the process by which colleges steer students to loans."+ In contrast, the arrangements that came to light Wednesday involved university administrators personally holding stock in a loan company and apparently doing well with their stock sales.+ The National Association of Student Financial Aid Administrators, which has been critical of the Cuomo investigation, accusing the attorney general of hurting the reputations of aid officers, issued a statement Wednesday night saying that the group "believes it would be inappropriate for a school to place a lender on a preferred lender list in exchange for shares of stock."+ However, the statement went on to say the following: "We would also note that if the financial aid administrator purchased the stock with their own funds, their ownership of the shares may not be evidence of improper conduct, but would certainly present the appearance of a conflict of interest. NASFAA advises its members to perform their functions with the interests of students as their foremost priority and believes that any activity that conflicts with that priority represents a questionable practice."+ What does this all mean for you as a student?+ Fundamentally, it comes down to understanding choice in student loans - that despite what anyone tells you, you do have choice in all your student loan options+ Research as much as you can - check out Student Loan Network offerings for Stafford federal student loans, federal parent PLUS loans, and private student loans, 100% payola-free.
Scholarship Update+ Point of irritation - found a decent looking scholarship until $15 fee+ Don't pay for scholarships+ Antioch College Writers Workshop Scholarships+ Deadline May 1, 2007+ Variety of awards, including for single mothers+ Details at our free college scholarship search site
Mail Bag+ Jason writes in: I am just a few years out of school and in the work force. Can I start a 529 plan for myself, knowing that I may wish to drop work and go back to school full-time eventually?+ Two types of 529 - prepaid tuition, which locks in today's tuition rates+ College savings plans - tax exempt investments+ Yes, a student can take out a 529 in their own name+ Financial aid speaking, a non-custodial 529 is assessed at 20% for the student, same as any other investment asset+ Tax benefits are better than most benefits, including no federal, state, or local taxes for the most part and the ability to roll over other savings, like savings bonds, into 529s with no tax penalty+ No tax hit when a plan's funds are redeemed for qualified education expenses, namely tuition, room, and board+ Great overview of 529s at FinAid.org+ Disclaimer: I'm not a certified financial planner or CPA
Podsafe Music+ Rayko/KRB, Charp+ From our friends at Binary Star Records+ Music via the Podsafe Music Network+ Stop by our MySpace page!
Reminders+ Private student loans available at any time - visit AlternativeStudentLoan.com+ Stafford federal student loans at StaffordLoan.com+ Student loan consolidation at StudentLoanConsolidator.com+ FAFSA form tutorials and free help at FAFSAonline.com+ Financial Aid Podcast Show Notes at FinancialAidPodcast.com.+ The Financial Aid Podcast is a publication of the Student Loan Network

Student Loan Consolidation Rates and Hints

The Federal government created the student loan consolidation program to help students and their parents afford higher education, so that our youth is better educated and can achieve higher earning power. Like many government programs, however, some of the rules and procedures may be a bit complicated. That's why it is advisable to have a student loan consolidation provider

Student Loan Consolidation GIMMICKS

If you are thinking about getting a student loan consolidation there are things to watch out for, and often you have to read the fine print to find them. Here are some marketing gimmicks some consolidators will use to get you to do a consolidation loan: • "Apply by this deadline!"Well, the fact is THERE AREN'T APPLICATION DEADLINES in student loan consolidation. Just keep in mind that interest rates may change every July 1st, so it's a good idea to check if rates are going to change that year and determine if you should apply before the loan interest rates change. • "Apply online and get great interest rate benefits!"Some loan consolidators may require you to apply for a loan online in order to receive interest rate discounts. Plus, if they send you an application confirmation via email, and if your email address is deemed undeliverable twice in 48 hours, then you may not get the discounts! • "Get an 0.25% interest rate reduction by doing business electronically."That's great but you might LOSE that 0.25% reduction if you simply change your email address and they get a bounce back when they try to send your notice or statement. Be sure you understand your obligation to the consolidator in order to keep your reduction. • "Avoid late fees...pay with auto-debit."With auto-debit, watch your bank account balance! When the lender tries to auto debit your bank account and there are insufficient funds you may get a late fee from both the consolidator and your bank. Be sure to read the fine print to get specific details on their auto-debit program. • "No fees to apply for our consolidation loan!"Not charging fees is a requirement with federal loans. No one charges a fee for a federal consolidation loan. • "Important information about YOUR student loan interest rates!"Some loan consolidators attempt to mislead you into thinking that you're being contacted by the lender of your education loans and that there are changes to your loans. Their hope is that you will contact them so that they can offer you their loan instead. Check out these lenders carefully before applying for a loan. • Mailings that use seals or logos to imitate the government, a college or university.Some loan consolidators do this to entice you to open their mailings. Be sure to really check out their logo and fine print to ensure you know who you are dealing with before applying for a loan. • "Get Deferment or Forbearance Insurance."Be on the lookout when some loan consolidators may play-up their services. If a loan consolidator offers you Deferment or Forbearance Insurance, they are basically "offering" you deferment or forbearance, which is a standard feature of consolidation loans and is offered by all lenders. Be sure to compare apples-to-apples and understand the actual benefits that your may receive with a loan product. Remember: If it sounds too good to be true it probably is… read the fine print, ask questions and get it in writing!

Student Loan Consolidation: Eligibility

You are eligible if you meet all the following requirements:
You have graduated, left school, or are currently attending school either full-time or less than half time, and your loans are in repayment, deferment/forbearance or in grace.
You can certify that you do not have a Federal Consolidation Loan application pending with another lender.
You have at least $10,000 in eligible student loans you wish to consolidate.
You must have a minimum balance to apply for a student loan consolidation option through some providers and agents. For example, you may be required to have an outstanding balance of $10,000 in eligible student loans to consolidate them under some programs.
You can consolidate the following student loans with most providers:
SLS (Supplementary Loans for Students)
Federal Perkins
Federal Nursing Student Loans (NSL)
Federal Health Education Assistance Loan (HEAL)
Federal Health Professional Student Loans (HPSL)
Health Professions Student Loans (HPSL)
Federal and Federal Direct Stafford (subsidized and unsubsidized)
Federal and Federal Direct PLUS
Loans for Disadvantaged Students (LDS)
Federal Insured Students Loans (FISL)
Federal Consolidation Loans
Federal Direct Consolidation Loans
You may consolidate defaulted loans as long as you make three consecutive monthly payments to your guarantor prior to applying for loan consolidation. If you have several student loans, but also have bad credit, you can usually still consolidate your student loans. In general, there are no credit checks and no co-signers required for student loan consolidation. Most companies work solely with the student loans you own, and nothing else.
I you have already consolidated your student loans, the Department of Education has ruled that you cannot reconsolidate. There is a lawsuit filed requesting a temporary injunction against the DOE's ruling, to enable more borrowers to reconsolidate, but no judgement has yet been issued. You can also re-consolidate your student loans, if you either received a new eligible student loan since the consolidation or have left an eligible loan out of the original consolidation.
Lowest Student Loan Payments
Making your required number of scheduled payments within the first 15 days of the due date each month on your new consolidation loan, may helpyou automatically reduce your student loan interest rate with some companies, by one full percentage point and leave it there as long as you continue to make on-time payments. Also, you can pay electronically (direct debit payments from your checking or savings account) and you can reduce your interest rate by an additional percentage point, as long as you continue to make your payments electronically. When you qualify for both benefits, you can reduce your interest rate and save hundreds, even thousands of dollars on your total loan costs.

Student Loan Consolidation and Student Loan Debt

March 14th, 2007 by AdministratorSally recently got into some heavy student loan debt because she borrowed a lot of money in order to go for university studies. I suggested that she consult a reliable student loan consolidation company because consolidating loans is the best way to ensure that you don't get heavier into debt. She agreed and immediately contacted several student loan consolidation companies to look for a federal student loan consolidation package that worked for her.The student loan consolidation company she called told her that there were several advantages to federal student loan consolidation, one of them being that you will get a locked in interest rate that is rather low and that one can lower your monthly payment by extending your repayment term. I think this is what Sally definitely needs

consolidation

ADVANTAGES TO GOVERNMENT STUDENT LOAN CONSOLIDATIONBy consolidating your loans, you will likely have a lower monthly payment. The federal interest rate is likely to be lower than the combined interest of your original loans. When you consolidate, you also have the opportunity to pay the loans back over an extended period of time, which will result in lower monthly payments.Borrowers can choose from four different payment plans, including an extended payment plan that can extend up to 30 years, depending on the amount that is owed.If you consolidate your loans, you only have to make one convenient monthly payment.There's no fee for consolidating your government student loans.There's no credit check when you consolidate your government student loans.There's no penalty for paying the loan off early.The loan application process is much simpler than it is for other kinds of loans.DISADVANTAGES TO GOVERNMENT STUDENT LOAN CONSOLIDATIONIf you take an extended payment plan, you will you pay more interest in the long run. If your loan is large, this could cost you thousands of dollars and have a negative impact on your financial future.It's possible that the consolidated student loan rate will be higher than the interest rates on your other loans. If this is the case, consolidation is not to your advantage.If you consolidate your loans during the six month grace period after graduation, you lose the remainder of the grace period.If you've already paid off a large chunk of your student loans, consolidation may not be worth the money or effort.Borrowers with a Perkins loan forfeit the special benefits that come with this kind of loan if they consolidate.If the consolidated loan is deferred when the borrower is in graduate or professional school, interest will continue to accumulate on the consolidated loan. This is not the case with deferred student loans that are not consolidated

Federal Student Loan Consolidation

Should you consolidate your U.S. government student loans? Here are some advantages and disadvantages to government student loan consolidation.If you're a U.S. college student who is approaching graduation day or a recent college graduate, no doubt you've been contacted by student loan consolidation services about government student loan consolidation. As you wade through all this student loan consolidation information, it can be hard to get a straight answer to a simple question: is federal loan consolidation right for you?First of, what is student loan consolidation? This simply means that if you took out more than one federal student loan during your time as a college student, you can combine all of these loans into one.If you also owe private student loans that weren't part of your financial aid package, you can consolidate these as well. However, lenders recommend that you don't consolidate federal student loans and private student loans together. If you do this, the new consolidated loan will count as a private loan, and you will lose all the benefits that come with your federal student loans, such as student loan deferment if you go to graduate school.So what are the advantages and disadvantages of consolidating your federal student loans? This questions depends partly on how much you owe, how much you've already paid, and other personal financial variables. In a nutshell, here's the pros and cons:

Educational Loan

"How do I decide where to consolidate �C I get so many offers?"This is perhaps the most important question to address … My experience with consolidation issues over the past several years has drawn me to one primary conclusion �C the 'financially smart' place to consolidate is not going to be the same for every student; it is largely a factor of how you plan to repay your debt.(1) If you haven't borrowed much or plan to repay your debt quickly, you should search for a company that will reward you for doing so. This benefit will normally come as a principal balance credit. For example, Key Bank offers a 5% credit for consolidating with them. Some companies will provide a max credit, as well as other 'fine print' caveats, so read the application. While a couple 'Benjamins' is nice if this is my situation, if I have a long-term repayment scenario, being enticed by this type of benefit would be a big mistake!(2) If I find myself in a 'long-term' repayment situation (I'm going to define this as 10 years or more of repayment anticipated), the best "deal" for me would be the company that will reduce my interest rate the most. This won't solely be people that have large debt levels; these will also be individuals that wisely consolidated during the past couple years when rates were at historic lows and they see an opportunity to repay their debt at amazingly low levels and want to minimize that payment while they invest, prepare for homeownership, and focus on other financial goals. Your baseline when comparing rate benefits is to understand that an "average" company will offer a 1.25% reduction (normally .25% reduction for auto pay will be provided along with a 1% reduction in rate for on-time payments [normally of 36-48 months]). As part of the resource links below, I provide links to state programs that provide 'above average' benefits, like North Carolina, which offers a 2.25% total benefit for automatic and on-time payments. Information about the programs as well as other information are available below …(3) The first two scenarios will cover most individuals, however, some individuals will have borrowed too much to pay off quickly; others may be debt averse and don't want to extend it, so they fall somewhere in between the above two options. In this case, where you plan to repay your debt over an 'intermediate' term, review a company that will provide interest rate benefits (these will almost always work out better than the principal credit benefits) where the benefits are offered up front. For example, the Educational Loan Company offers a better than average rate reduction benefits (1.75%), but rather than needing 4 years of on-time payment, .5% of the benefit is up front for auto pay and 1.25% is available after only 24 months of on-time payments.NOTE. Three things I want to emphasize. (a) These are general guidelines/rules of thumb �C run the numbers to see what will make sense for YOUR LOAN SITUATION. (b) Read the applications to see if there are caveats �C for example, the principal balance credit by Key Bank is foregone if you defer or forebear the loans during the first 36 months of repayment; Educational Loan Company requires you to be consolidating at least $10,000 total in debt. So read through to make sure the program fits with your situation. Don't, however, assume that you're not eligible either. It's easy to say "I'm not from North Carolina, so I can't do that" when the reality is that if you're willing to spend 5 minutes, you can create a connection that will enable you to be eligible for their program. Thus, (c) BE SMART and take a few minutes to figure things out, it will be well worth your time!

FEDERAL STUDENT LOAN CONSOLIDATION

As the end of the semester is upon us, it seems timely to review the issue of student loan consolidation. This week I'll address consolidation of federal loans and will address consolidation of private loans next week.First off, some reminders about some of the recent law changes:- In-school consolidation is no longer an option. You will need to be out of school in order to be eligible to consolidate.- You are no longer required to have multiple lenders in order to be able to choose your lender �C even if all of your loans are with one lender [i.e., DMU], you are able to shop for the best deal for you.- You are now unable to consolidate your loans with your spouses' loans �C this was never smart, but is no longer an option.Other important consolidation considerations:- You do not want to consolidate Perkins loans [or other loans] if they may be forgiven or repaid by your employer, state, etc. It is ok to consolidate them otherwise.- If a lender is offering to combine your federal loans with private loans, credit cards, or any other non-federal loan debt, RUN!- You can AND SHOULD consolidate even if you consolidated prior to take advantage of lower rates. You can always reconsolidate (to combine) loans as long as you have loans to consolidate that haven't been consolidated prior. As most of you heard last year from me, doing this WILL NOT negatively impact your interest rate. Your overall rate will be a weighted average of your loans rounded up to the nearest 1/8th. For example, if you consolidated $5,000 of loans at 6.8% and $5,000 at 4.8%, you would now have a $10,000 consolidation loan at 5.8% … view resources below to access a calculator to find out your weighted average.- Some people are afraid to consolidate because their repayment will be extended (thus more interest paid). Keep in mind that you can select the repayment option you want as well as choose to pay whatever amount you want (no legitimate program will assess a penalty for early payoff). Consolidation, however, is the only way to 'lock' the rate of otherwise variable rate loans

Got questions about student loan consolidation?

Got questions about student loan consolidation?We've got answers: View the details of the federal consolidation loan, or visit our student loan consolidation FAQ where you will find answers to our most frequently asked questions, organized by topic area.Calculate your different repayment options with our student loan consolidation calculator.

Thinking about student loan consolidation?

Sallie Mae is the nation's #1 provider of student loans, including consolidation loans, with more than 10 million borrowers nationwide. By consolidating with Sallie Mae, you are choosing a company that leads the student loan industry with more than 30 years of experience, superior servicing, and exceptional student loan consolidation benefits including:Guaranteed lowest statutory interest rate allowed by the federal governmentEasy, fast and secure online applicationsE-signature to make the student loan consolidation process even easierBorrower discounts to lower your interest rate just by paying on timeFree concierge service―we'll fill out all the paperwork for youNo application fees or credit checksWhether you've worked with us in the past or want to switch to the company that leads the education financing industry, consolidate today to take advantage of all the benefits Sallie Mae offers.

Debt Consolidation Loans should be your solution to stressful credit card payment

Debt Consolidation Loans should be your solution to stressful credit card payments. As long as you still have a decent credit score you could be able to save a great deal of money in the long run.Given that your aspiration will be to lower interest cost and decrease your monthly charges, avert bankruptcy, consolidate your debts and have one monthly payment, or clearly come to be out of debt the fastest way achievable, then a Debt Consolidation Loan serves to produce the answer. Are you feeling overburdened with debt? May be you paying out too much every month for your credit cards, store cards and loans? Then why not replace them all with one, lower, affordable repayment through a Debt Consolidation Loan? Debt Consolidation Loans serves to offer you a fresh start, letting you to Consolidate all of your loans into one - furnishing you one easy to deal with payment, and in various cases, at a reduced rate of interest. Secured on you property, inexpensive, low rate, cheap, low interest Debt Consolidation Loans can sweep away the bundle of repayments to your credit cards and store cards and replace them with one, low-priced, monthly payment one intended to be favorably within your means. Utilizing a Debt Consolidation Loan you can borrow from $5,000 to $150,000 and up to 125% of your home market value in some cases. A Debt Consolidation Loan is a lower cost loan secured on your housing. It frees up the spare capital (or equity) in your housing to pay off your store cards, credit cards, personal loans, medical charges and other monetary obligations. It could decrease both your interest rate and your monthly committments, putting you back in control of your life. Debt consolidation Loan rates are variable or fixed, depending on your status and credit score. Your monthly installments would depend on the quantity borrowed, term and interest cost.

Federal Student Loan Consolidation Interest Rate

The fixed interest rate for federal student loan consolidation equals the weighted average of the interest rates of the loans being consolidated, rounded up to the nearest 1/8th of one percent and capped at 8.25%Use Access Group's Weighted Interest Rate Calculator to determine your consolidation interest rate, or follow the example shown below.Determine the Weighted Interest Rate: An ExampleLoan Balances and Interest Rates$10,000 loan balance at 5.99% interest rate$7,500 loan balance at 6.79% interest rate$5,000 loan balance at 5.39% interest rateStep 1: Multiply each outstanding loan balance by its interest rate.10,000 x 5.99 = 59,9007,500 x 6.79 = 50,9255,000 x 5.39 = 26,950Step 2: Add the products.59,900 + 50,925 + 26,950 = 137,775Step 3: Total the outstanding loan balances.10,000 + 7,500 + 5,000 = 22,500Step 4: Divide the sum from Step 2 by the sum from Step 3.137,775 / 22,500 = 6.123Step 5: Round the result of Step 4 up to the nearest 1/8th percent.6.123 up to the nearest 1/8th percent = 6.125Fixed interest rate for this loan would be 6.125%If the decimal place of your rate is:Round up to:.001 through .125.125.126 through .250.25.251 through .375.375.376 through .500.5.501 through .625.625.626 through .750.75.751 through .875.875.876 through .000the next full percent (.00)

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Student Loan Consolidation: Eligibility

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eLoanFast.com provides reliable, unbiased information about student loans, student loan providers (such as Citibank student loans, Wells Fargo student loans, student loan finance companies and federal direct student loans), and student loan repayment programs .

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