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Multiple Student Loans

How to Manage Multiple Student Loans

Nowadays, it is not uncommon for college students to apply for multiple student loans to finance their studies. With clear financial records and purpose, any student should be able to get the education loans they need. Problems with multiple student loans perhaps will arise as soon as the borrower have to repay what they have borrowed.

Various amounts of loans with various interest rates as well as various repayment terms are not easy to manage and it is easy to get mixed up between them. Additionally, when a student comes across financial hardships following his/her graduation, repaying the loans can be a tremendous burden.

To solve these problems, you can apply for a student debt consolidation loan which combines all your borrowed funds. By consolidating your various loans, you will only have to pay to one lender each month. Besides, you will also get other benefits such as a fixed interest rate and longer repayment period. The rate is actually the weighted average of the interest rates of all the loans.

Since the rate is rounded up to the nearest 1/8 of a percent, you might end up with a slightly lower or higher interest rate. The repayment term, on the other hand, ranges from 10 to 30 years depending on the total amount of the loan and other considerations that will save you up to 50% payment per month.

Generally, most federal student financial aids such as FFELP, NSL, FISL, HEAL, Perkins, Guaranteed Student Loans, Health Professional Student Loans, and Direct loans can all be consolidated into one loan. If you have private student loans, however, consult your lender about the possibility of consolidation since several lenders also provide private consolidation loans. Lenders that provide such service include Student Loan Network, Chase, Wells Fargo, and NextStudent.

All students as well as parents with educational loans are welcome to apply for the loan consolidation. Nevertheless, students and parents from the same family cannot merge their loans together into one master loan so they must apply for it separately.

The regulation states that only multiple student financial aids under the same borrower can be consolidated. The same regulation also applies to married students. Hence, their educational loans should also be consolidated separately. This regulation was active per 1 July 2006 to overcome problems involving divorced students since the consolidation loans cannot be separated.


Source: http://ezinearticles.com/?How-to-Manage-Multiple-Student-Loans&id=6507428

Helpful:
www.collegescholarships.org/loans/bad-credit-student-loans.htm
www.finaid.org/loans/whyconsolidate.phtml

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Avoid Student Loans and Apply Obama's Scholarship

Dads Avoid Student Loans and Apply to Obama's New Scholarship For Dads Program to Get $10,000 Now

Finally you have the time to go back to school like you have wanted to for so long. The only issue now is finances. There are many institutes offering student loans with lower level of interest, sure, however, after a few years of these loans, it really does add up. In fact, a four year degree could sink you in up to $40,000 in debt. That will take over a decade of several hundred dollars a month in payments. That is not a nice situation to be facing when you are trying to make a start back into the job market.

Because of the Federal Pell Grants that the government is offering all of you fathers, you can now get this education for free with no strings attached. There are no payments and no interest after you graduate, only a tax exemption worth $4000. Are you interested yet?

You can receive up to $10,000 a year in free education for several years to complete that degree or diploma of your choice. There are over 5000 institutes taking part in this program all over the country which gives you plenty to choose from. Institutes include not only the public and private facilities but those which are online. All you have to do is get the application from the FAFSA website and fill them in along with the school enrollment forms and send them to the institute once you have them filled out. It's a very simple procedure, but one that will give you priceless benefits.


Source: http://ezinearticles.com/?Dads-Avoid-Student-Loans-and-Apply-to-Obamas-New-Scholarship-For-Dads-Program-to-Get-$10,000-Now&id=3044521

Helpful:
https://students.asu.edu/financialaid/apply
www.scholarships.com/tag/student-loans/Page=2

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FAFSA Online to Get Federal Student Loans

How to Fill Out the FAFSA Application Online to Get Federal Student Loans

Federal Student Aid can help pay for secondary education beyond high school to eligible individuals. It is federally funded financial assistance to help students and families pay for college. The FAFSA application is free and the benefits will last a lifetime.

To apply for financial aid, an applicant must fill out a FAFSA, which stands for Free Application for Federal Student Aid. This application will determine eligibility for receiving financial assistance for college based on the data provided, which includes personal information, income, parent's income, spouse's income, dependents, assets, housing situation, and any other government programs participated in by the applicant.

The FAFSA can be completed quickly and easily online. It is split into sections and there are helpful directions and tips for each question. It is necessary to have the federal tax return from the previous year in order to fill out the financial section of the FAFSA.

Section One - Student Personal Information:

This section requires the legal name, current address, social security number, date of birth, telephone number, driver's license state and number, email, citizenship status, marital status, state of legal residence, gender, information regarding any conviction for the possession or sale of illegal drugs that occurred while receiving any form of federal student aid, parents' education level, high school information and completion status, student classification for the upcoming school year, degree or certificate working towards, and whether work study should be considered.

Section Two - Student Financial Information:

This section requires information contained on the tax return from the prior year. It conveniently directs the applicant to the precise lines on the federal tax return that contain the information requested. Spouse's income is included in this section as well. The applicant must also list the total value of family assets, including cash, checking and savings accounts, real estate investments, and businesses or investment farms.

This section also requires the applicant to disclose any education credits received, child support paid for children not living at home, other taxable earnings like Federal Work-Study, other taxable student aid such as grants or scholarships, any taxable combat or special combat pay, or any cooperative education program income.

 Information regarding untaxed income will also need to be reported here, including payments made to tax-deferred savings plans or pensions, IRA deductions and payments for self-employed applicants, child support received, any tax-exempt interest income, untaxed IRA distributions or pensions, living allowances paid to military, clergy, or anyone else, non-education Veteran's benefits, and any other untaxed income.

Section Three & Four - Parent Determination:

The questions in this section will help determine whether the applicant needs to include parent information when applying for financial assistance. If the applicant can answer "yes" to any of the 13 eligibility questions in this section, they are exempt from needing to include parent information and can skip this section entirely. If the applicant answers "no" to any of the 13 questions in this section, they must have their parent(s) fill out Section Four, which will ask similar information of the parents as it did for the applicant.

Section Five - Household:

This short section asks how many people are in the applicant's household and of those people, how many will be college students during the year the applicant is applying for federal aid. It also asks if anyone in the household is receiving any federal benefits, such as TANF, WIC, SSI, food stamps, or free/reduced lunches. The final question of this section is whether the applicant is a dislocated worker.

Section Six - Schools:

This section is solely for entering the colleges or universities the applicant is interested in attending.

Section Seven - Signatures:

This section is for the applicant and their parent to sign, verifying all information presented is true and correct.

It is important to fill out a FAFSA as soon after January 1st as possible since federal financial aid and college grants are distributed on a first come, first served basis. The application process is simple and easy to follow, albeit time consuming since it requires many details about income and financial information. The FAFSA will calculate the applicant's EFC - expected family contribution. This amount will determine the applicant's financial need and whether the applicant is eligible to receive federal financial aid.

Once financial aid is awarded, it will be distributed first to the college or university the applicant is attending and will go towards paying tuition, fees and books. Any remaining funds that are unused will then be distributed to the student directly.


Source: http://ezinearticles.com/?How-to-Fill-Out-the-FAFSA-Application-Online-to-Get-Federal-Student-Loans&id=6995562

Helpful:
www.fafsa.ed.gov/
studentaid.ed.gov/fafsa

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Student Loans for Unemployed Students

Student Loans for Unemployed Students: Furnish the Cash Urgently

Obtaining the cash is not hard nut to crack for unemployed students, unemployed students can get the cash easily through Student Loans For Unemployed Students on their qualification. The students, who are unemployed and crave to avail the cash through Student Loans For Unemployed Students, must be UG or PG in their country.

Availing the Student Loans For Unemployed Students they are to fill up a simple online application form of opted lender with details about themselves similar to name, residential proof, contact number, account number, age etc, rest of the formalities will be completed by the lenders.

The Student Loans For Unemployed Students will be wired in your checking within few hours on the same day or the next business day. The amount of money that can be availed by the Student Loans For Unemployed Students is up to $25000. The rates of interest that can be availed by the Student Loans For Unemployed Students are reasonable because loan-lending companies know that the borrower is student as well as unemployed. It would be hard for the borrower to afford high rates of interests through Student Loans For Unemployed Students.

Time duration for which the Student Loans For Unemployed Students can be borrowed is flexible. Unemployed students have to repay the amount of the Student Loans For Unemployed Students after getting job because then only, he can be able to repay the Student Loans For Unemployed Students. Loan lending companies ask the borrower to fill up a simple online form to collect some personal information about the borrower like name, address, telephone number, current account number, occupation etc when you apply for Student Loans For Unemployed.

Loan lending companies ask you to have an active checking account approximately three months old to avail Student Loans For Unemployed Students because loan lending companies transfer the money into the borrowers account after the processing. Borrower should be more than 18 year of age to be eligible for Student Loans For Unemployed Students. Due to unsecured unemployed loans different lenders have different interest rate for the borrowers.

If the borrower has excellent credit history and crave to take Student Loans For Unemployed Students, the rate of interest may be somewhat few. If the borrower has worst credit history and crave to take Student Loans For Unemployed Students, the rate of interest may be somewhat more. The withdrawal of Student Loans For Unemployed Students is for 5 years. If the borrower is unable to repay the Student Loans For Unemployed Students within leased time, he will have to pay the extra charge of interest.

Source: http://www.articlesbase.com/loans-articles/student-loans-for-unemployed-students-furnish-the-cash-urgently-470093.html

Helpful:
projectonstudentdebt.org/state_by_state-data.php
www.youtube.com/watch?v=UpiEsUhx5s0

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Pay Off Student Loans

How To Pay Off Your Student Loans ASAP

There are many new college grads out in the workforce that are dealing with 5-and sometimes 6-figure student loan debt, and with the recession and unemployment rate still in full swing it's not a good time to be dealing with a ton of student loan debt.

Back in 2009 a typical student carried an average of $24,000 in student loan debt by the time they graduated. Consider that a small investment in comparison to what that investment will yield a student for the life of his career.

In any case, in this current economy it's not guaranteed that you're going to get that high paying job straight out of college, so there are some steps that every recent graduate should make that's carrying some student loan debt out there in the work force.

Put your repayments on cruise control. Everybody knows that your credit score can get in trouble by not making your payments on time, so it's a good idea to set up some sort of automatic payment schedule straight out of your bank account to pay for your student loans. Setting up automatic payments-through most banks-should be relatively easy, so it's worth taking those steps so you don't miss any payments.

10 year time horizon. Giving yourself a goal of paying off your student loan in 10 years will save you a significant amount of money in interest.

For example if you have $30k in student loans and you pay it off at 6.8% in 10 years your payments are going to be around $345 and the interest that you're going to end up paying is going to be a little over $11k in interest. If you run in some trouble and stretch out those payments for 20 years the interest you're going to end up paying on that loan is $24,960.95, and if you stretch those payments out to 30 years the interest you end up paying is going to be a whopping $40,405.93!

Organize your loans. If you went to multiple schools, obviously you're going to be juggling several loans. It's going to be imperative that you organize those debts or find some sort of system that organizes those debts for you. The government offers a great way to track your federal student loans, if you Google the National Student Loan Data System you will be able to find them.

Knock off the high interest rate loans first. Taking care of the high interest rate loans first is "Debt 101", if you take care of your highest interest rate debt first you will save yourself a significant amount of money in the long run.

Look into IBR. Everybody falls on hard times and if you're having a difficult time paying back your student loans you might want to look into the federal Income-Based Repayment program. The title of the program basically speaks for itself; the repayment plan is based on your income and makes the monthly payment a little more affordable.

Keep an eye on student loan news. The government is currently trying to cut back on as many things as possible, and sometimes education is the first thing to suffer from these cutbacks. It's a good idea to keep your eye out for any new developments that may affect your student loan or financial situation.

Correspond with the Federal Student Aid Ombudsman. There may be a good chance that you're going to run in some sort of problem with your Federal Student Aid, so it's a good idea to keep in contact with the Federal Student Aid Ombudsman to make ensure everything is running smoothly. When things don't run so smoothly it's also a good idea to make sure that you know where to go when you have a dispute with your lender.


Source: http://ezinearticles.com/?How-To-Pay-Off-Your-Student-Loans-ASAP&id=6281290

Helpful:
www.wikihow.com/Pay-off-Student-Loans
www.edustudentloans.com/how-to-pay-off-student-loans/

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Applying For Student Loans

Applying for no credit check student loans

Please keep in mind that financial assistance can be found in many forms, including no credit check student loans. It is not a secret anymore that the cost of negotiating a university education is very high. Millions of teenagers can not afford to cove the expense of attending the university of their choice. What's great is that there are many lending companies which provide them with the opportunity to get student loans with no credit check.

One of the most important benefits which are provided by these loans is represented by the fact that they do not require a cosigner. Moreover, those students who decide to apply for a no credit check student loan will not have to ask for the help of their parents.

Those student loans which are offered with no credit check are essential for millions of teenagers heading to college for the first time. If you find yourself in this situation you should not hesitate to contact a private bad credit lending company that offers no credit check student loans. Such a loan you will be able to solve your monetary problems.

Hundreds of lenders are ready to provide you with the opportunity to get no credit check student loans. The problem is that you have to be very careful when making your decision. It's important to focus on searching for a lending company that has a good reputation on the lending market. Financial specialists say that a lending company that has a good reputation will never disappoint its customers. By simply running a search on the web you can find more details about those lenders which offer affordable student loans.

The good news is represented by the fact that it will not be very difficult for you to apply for a no credit check student loan. Most lending companies require their customers to provide details about their credit score, debt to income ratio and address.

Please keep in mind that all those people who are interested in getting no credit check student loans are required to prove that they have a steady income. What's great is that private lending companies will never require their clients to prove that they have a stable job. These loans were specially developed for those students who can not afford to pay their studies. They will help you succeed in life.

Source: http://www.articlesbase.com/loans-articles/applying-for-no-credit-check-student-loans-5773527.html

Helpful:
www.aved.gov.bc.ca/studentaidbc/apply/
www.collegescholarships.org/loans/applying.htm

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