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Dating After Fifty
Dating at an older age is not too hard. And it can be a lot of fun especially with internet dating. And, today to find a date on the web is an accepted and safe form of dating. You might be divorced and want to get back into the dating groove...
Indulge Your Fetishes With Adult Dating
So, you like a little bit of waddle or just cannot seem to resist body hair? Cross-dressing, ménage a trios or perhaps some bondage seems more like you? Adult dating websites offer you the opportunity to indulge your fantasies. If you have...
Is Online Dating Safe? Find Ratings at AdultMatchMaker.com
Has it been a long time since you went out on a date? Maybe the
last few people you've met just didn't light a spark in your
heart. You've considered all the singles from work, the
neighborhood, and the health club, and there really isn't...
Online Dating At The End of the Rainbow
The journey to healthy online dating, intimate, social and personal relationships starts at the beginning of the rainbow. Experiencing the joy of childbirth is analogous to viewing a beautiful rainbow. Many women love being pregnant! They feel sexy...
Safe Cyber Dating
Cyber dating is one of the most popular dating venues these days. No longer is it necessary to go to the bar down the street to find a date. No longer is it necessary to romance someone through flowers and candy on a date. Dating has become a cyber...
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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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