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Flirting and Body Language When Dating-The Experts Opinions
If you’re on a first date and you’re trying to figure out what Mr. or Ms. Potentially Right thinks about you, look downward. Not there, silly. “The key to a man’s heart isn’t his stomach. It’s his feet,” says Lisa Daily, author of “Stop Getting...
Internet Dating for the Midlife Woman
More Internet dating and matchmaking sites are coming online all the time. It’s no wonder they’re so popular. We’re all looking and it pays to extend your reach. Midlife dating is definitely a “numbers game” and here’s why. The only way to do this...
Online Dating Software
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one couple you are friends with whom you set up? If you care
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Online dating services...
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There are so many dating sites on the net these days. The secret is to find a online dating service that will make your quest for a compatible partner successful. All online dating have one thing in common. Dating sites basically allow you to...
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When you are single and you wish to place yourself on the dating
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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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