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Compliments - A Very Powerful Dating Tool!
Giving a compliment can be a very powerful tool when dating women. Of course, too many compliments can also make you look desperate and needy. There needs to be a happy medium. So, what is the key? As outlined in my book "the Ultimate Online Dating...
Dating And Self Confidence
Dating can be stressful and nerve wracking. You might feel like
you are under a microscope and all your failures and faults are
exposed in the open. But you can make things easier on yourself
by boosting your confidence. You'll be much more...
Dating Tip: Getting the Commitment
A lot of women want to know how to get a man to commit.
Even though we know better, we still believe (consciously or
subconsciously) that our purpose in life is to get a man to fork
over a two-carat diamond and a house in the suburbs. At the...
Online Dating Software
Do you friends consider you a matchmaker? Do you have at least
one couple you are friends with whom you set up? If you care
about couples and are the matchmaking type, you could be next in
line for your own business.
Online dating services...
The Ins And Outs Of Online Dating
Dating online is a new medium and some studies have had higher
success rates in getting that first date than the conventional
method of going to a public place and meeting someone. The
reason why there is a higher rate is because people only...
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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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