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Dating..A Parents Worst Fear? It Doesn't Have To Be!
Parents with Teenagers…be Prepared!!
I am writing this brief article to parents who have or will have teenage girls. I want to share this because if necessary precautions are taken you will save a lot of pain, heartache, and tears!
At the age...
Lesbian Dating
Lesbian dating is becoming more and more popular in open
society. People are now open to the fact that women are in
relationships with each other, and men just love it. Females
that openly admit that they are gay are often popular with...
Technology and Cell Phone Dating
Just when I thought technology had finally outdone itself with online dating, it goes one better with cell phone dating. Does it get any easier than this?
Cell phones are not just for calling anymore. They went from talking and voice mail, to...
Understanding The Risks Of Online Dating
The Risks of Online Dating
There is no question that the popularity of online dating has
revolutionized the way potential couples meet each other. These
days, it is not uncommon for the average single person to
participate in an online...
Updating Your Cottage State of Mind
(ARA) - In 1848, architect Andrew Jackson Downing bid readers of The Horticulturist to practice “beautiful and appropriate architecture. Do not build your dwelling places like temples, churches or cathedrals,” he implored. “Let them be,...
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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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