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Credit Repair System
The Credit Repair System has tools available that helps many debtors find relief. Credit repair system is the steps to recovering from debts, while getting back on your feet again. If you have bad credit, you already know how difficult it is to...
Decision Time: Home Equity Loan or Home Equity Line of Credit?
Home equity loans and home equity lines of credit continue to grow in popularity. According to the Consumer Bankers Association, during 2003 combined home equity line and loan portfolios grew 29%, following a torrid 31% growth rate in 2002. With...
How To Get Out Of Credit Card Debt Much Faster & Save Lots Of Money - Without Filing For Bankruptcy!
The most important lesson I learned about getting out of debt is that you'll NEVER get out of debt playing by the rules of your creditors. No matter what they say, they really don't want you to get out of debt.
After all, the longer it takes you...
Moneynet warns credit rating at risk when consumers switch current account
As Barclays Bank turns up the current account heat with the launch this week of a new, features-laden current account, online financial data analysis company Moneynet ( http://www.moneynet.co.uk ) warns consumers to look before they switch. "On...
"What You Didn't Know About Credit Card Numbers"
Have you ever really looked at your credit card and tried to figure out what that huge string of numbers really means? Do these card issuers have so many customers that your account number has to be 16 digits long?
You may be surprised to know...
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Bad Credit Student Loan - What To Do If You Need One
Are you concerned that bad credit will prevent you from going to
college? While it is true that finding student loans with
excellent interest rates is easier if you have a sterling
credit rating, bad credit student loan aid is possible.
For example, the most popular US Department of Education loan,
the Stafford loan, assumes that most applicants will be going
to college straight from high school, and will not have a
credit rating yet. Therefore, Stafford loans do not even
consider the credit rating a factor when it comes to
qualifications. The same holds true for Perkins loans, which
are federal loans designated for the neediest students.The
only reason bad credit would interfere with these kinds of
student loans are if you have defaulted on a federally granted
student loan in the past.
Bad credit student loans are also possible if your parents have
better credit than you do. In this case, a PLUS loan, which is
granted to parents and not to the student, might be the way to
go. US Department of Education student loans (like Stafford
and Perkins loans) assume that the parents will pay for a
certain amount of their children's schooling; PLUS loans are
intended to cover the amount that the parent is obligated to
contribute toward college costs.
Federal funding is a good choice for a bad credit student loan
because they are specifically
designed to help make college more
accessible; therefore, their requirements are much looser than
those of most banks and other lending companies. However, if
you are unable to secure a US Department of Education student
loan, you may need to turn to private loans. If you are planning
to graduate in a field with a high earnings potential, like law
or medicine, you might have a better chance of receiving a bad
credit student loan from private lenders.
None of these choices are either/or possibilities, by the way.
You may be able to put together enough money to finance college
through a combination of any or all of the above types of loans.
Moreover, even if your bad credit student loan is at a very high
interest rate, all is not lost. Many student loans defer payment
until you have finished college, giving you time to improve your
credit rating. At that point, you might want to look into ways
to consolidate your student loan at a better rate, lowering your
payments to a more affordable level.
About the Author
Mark Kessler's website offers a comprehensive free resource of college financial aid for Consolidating Student Loans, as well as... Alternative Student Loans, ACS, Bad Credit, US Department Of Education Student Loans, including a variety student loan articles.==> Bad Credit Student Loan
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