UOWE College commercial

College spoof commercial for a large loan from the bank's financial UOWE. Enjoy and leave comments .. ... Student loans spoof comedy commercial loans



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Private Student Loans Part 2

Calculation and payment of the total cost of the new Sallie Mae private student loan plan where interest paid while in school



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Debt Consolidation Loans - What You Need To Know.

A brief introduction to the debt consolidation loan to you by www.mydebtfreelife.co.uk



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Student And College Loans - Get The Facts

With the rise of tuition costs around the world, a decent college education is being put further out of reach of an increasing number of deserving students each year. One also needs to understand that it isn't only the tuition cost that needs to be met in order to pay for a student's college education. There are several other major and miscellaneous expenses such as boarding, food, clothes, books, general recreation etc. which need to be taken care of as well. Under these circumstances, to get a student loan is probably the best option aspiring college students.

There are different options available as far as the type of student loan is concerned. This wide variety of loans gives students the power to pay for various college expenses. However, varying options also present a different kind of problem, especially when you are trying to comprehend which student loan scheme will work best for your needs.

In this article, we will discuss different kinds of college loans you can apply for to help you choose the type which suits your requirements.

Let us take a look at the three chief categories of student loans:

1. Direct Student Loan: If one opts for Direct Student Loan plan, then they are required to repay the loan in six to nine months after, they have completed the course for which the loan was granted. The interest rates in a Direct Student Loan plan are lower compared to the other types of student loan plans, mainly because this type of loan is provided through the school in which the student has enrolled for his or her desired course.

2. Federal Student loan: Federal Student Loans, which are also known as PLUS loans have rates of interest as low as 9% or less. The most important feature of this student loan scheme is that the lenders only consider the applicant's personal credit history and are in no way concerned with the candidate's income. Guardians who have a dependent child, who is enrolled in full time or part time course in a particular institute are the only ones eligible to apply for this particular kind of loan.

3. Guaranteed Student Loan: Guaranteed Student Loan, which is commonly known as Stafford loan, is another popular option among the different Student loan plans, with a considerably low rate of interest. There are two parts to the Guaranteed Student Loan scheme. These are subsidized and unsubsidized. If one opts for a subsidized loan, then the government is liable to pay the rate of interest on the principal amount, while the student is in school. This type of loan is absolutely based on the financial requirements of the student concerned.

The other kind of Guaranteed Student Loan, that is an unsubsidized loan, requires the rate of interest to be paid while the student is still in the school and the principal amount needs to repaid after the completion of the course.

The borrower must start repaying the loan amount after six months of course completion, regardless of which ever type of Guaranteed Student Scheme he or she chooses.

Since higher school or college studies, are by no means inexpensive these days, it is extremely important to make the right decision while applying for a student loan. Although, it is assured that the three above mentioned types of student loans will be permitted by every college and course, you would be well advised to be meticulous in conducting your research on funding a college education program. Remember that the course your life will take is at stake, so make your decision only after you've found the best available funding option.

For more detailed information about how to get student loans, try visiting http://the-best-student-loans.com, a site that has information about student loans consolidation, low interest student loans, student loan refinancing and more.

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Easy Federal Student Loan Consolidation

There is rarely a college student that makes it to graduation without needing to take out a loan. With so many things to buy and very little money while attending college, many college students graduate only to find that the student loan debt that they have accrued is a monstrous amount and that the payments that they must make each month takes up the biggest part of their income. Student loan consolidation is for students who have taken on too much student loan debt.

It can help you turn your financial situation back around by allowing you to consolidate your many loans into one big loan with one monthly payment that better suits your available income and budget.

Federal Government Student Loan Consolidation Options

There are two options that students can look to under the federal government to consolidate. One is called the Federal Family Education Loan program and the other is the Federal Direct Student Loan program. These programs can help you if you owe federal loans that were guaranteed by the U.S. Department of Education, including the Stafford loan, Perkins loan, and Parent Plus loan. These programs offer consolidation at a fixed rate - which means that your rate will stay the same for the entire time that your consolidation loan is in repayment.

Reduce Your Monthly Student Loan Payments

One advantage of taking out a consolidation loan under these programs is that the terms offered for repayment are longer than with some types of consolidation. In fact, payments can be made under these programs for period of time as short as ten or as long as thirty years. This will make the monthly payment that students must come up with each month lower.

On the negative side, a lower monthly payment paid out over a greater number of years can cause the consolidation loan to cost more because there will be more interest charged. Another disadvantage of the government facilitated consolidation loans program is that only student loans from the federal government can be included in the consolidation. The many students that have them with private lenders would not be allowed to add those to the consolidation loan.

Consolidating Private Student Loans

Some borrowers may do better with a private consolidation program. Private consolidation servicers can consolidate the bulk of your debt. Like the government student loan consolidation programs that are discussed above, you would be able to make one monthly payment that reflects the entire balance of student loan debt that you have accrued during your academic career.

With either program that you choose to utilize, a big benefit of consolidation is that you are usually able to negotiate a more favorable rate on your consolidation loan than you are currently paying to your existing lenders. Even a savings of one percentage point in interest can literally save you thousands of dollars during your repayment. And since student loan consolidations are usually written only at fixed rates, you do not have to worry that your loan payments will increase with fluctuating market conditions.

Jessica Peterson is a Unsecured Personal Loan Consultant with more than twenty years of experience. For more information about Guaranteed Bad Credit Personal Loans, Guaranteed Credit Cards, Unsecured Loans, Fresh Start Loans, Debt Consolidation, Student Loans and others please visit YourLoanServices.com.

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