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5X2 Great Reasons to Go For Online Dating
In this life, isn't everything about attitude towards things?
And here comes your attitude: simply say "yes" to online dating! Obviously you cannot meet people from nowhere, you have to start from a certain spot. I guess you've already done some...
Online Dating – A Great Way to Meet your Soul Mate
Online Dating or Internet Dating is very well known these days and it is becoming more and more popular because of its convenience and advantages. The first and foremost advantage is that you can contact matches without your real identity revealed...
Online Dating Tips - Tip #1 - Honesty
There's really no point in telling somebody that you're tall, tanned and toned if in reality, you're more average height, pale and allergic to the gym.
Tell the truth
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The Dating Game
With all the websites on the Internet that offer a membership to meet and talk to people that match the criteria that you are looking for, you are bound to find someone worth dating. The question becomes how can you tell if someone is being honest....
The Rules of Dating, Vacationing and Compatibility
Romantic Getaway - Travel Survival Tips Vacations, distant destinations and a new amour conjure the unexpected. The insecurity of unfamiliar surroundings can surface irreconcilable differences amongst young love in bloom. In Corona beer...
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Consolidating Your Government Student Loans
A Consolidation Loan allows you to combine your federal student loans into a single loan with one monthly payment, which can be significantly lower than the payment required under the standard 10-year repayment option. Under the Federal Family Education Loan (FFEL) Program, banks, secondary markets, credit unions, and other lenders provide the Consolidation Loans. Under the William D. Ford Federal Direct Loan (Direct Loan) Program, the federal government provides the loans.
Most federal education loans are eligible for consolidation, including subsidized and unsubsidized Direct and FFEL Stafford Loans, SLS, Federal Perkins Loans, Federal Nursing Loans, and Health Education Assistance Loans. Private education loans are not eligible. PLUS Loan borrowers (parent borrowers) also can consolidate their loans.
To apply for a Direct Loan Consolidation or an FFEL Consolidation the borrower must contact the lender and complete an application. Most lenders provide borrowers with the ability to apply on-line or request an application over the telephone. Once an application is completed and submitted, the lender will request information from the borrower’s other lenders or from its own system to determine the amounts
outstanding on the borrowers loans. The borrower will then receive notification about the consolidation loan, normal consumer disclosures, the amount owed, and if appropriate, where to make payments.
Always Consider the Cost
You should keep in mind that although consolidation can simplify loan repayment and lower your monthly payment, it also can significantly increase the total cost of repaying your loans. Consolidation offers lower monthly payments by giving borrowers up to 30 years to repay their loans. So, you'll make more payments and pay more in interest. In fact, in some situations consolidation can double your total interest expense. If you don't need monthly payment relief, you should compare the cost of repaying your unconsolidated loans against the cost of repaying a consolidation loan. You also should take into account the impact of losing any borrower benefits offered under non-consolidated repayment plans. Borrower benefits, which may include interest rate discounts, principal rebates, or some loan cancellation benefits can significantly reduce the cost of repaying your loans.
About the Author
For Part II of this article please visit:
http://www.american-lenders.org/goverment_student_loan
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