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5 Dating Strategies for the Single Entrepreneur
Copyright 2005 Heartmind Connection, LLC
My friend Jonathan is self-employed and single. He talks about how it would be so nice to have a relationship in his life and yet I do not see him making the time for the process of dating. He tells me...
Have you ever thought of using a web based Dating Service?
Internet based dating services are now available! And why not? The great Bill Gates said that in this century, we will only find two types of businesses: those on the internet, and those that are closed. So should we be surprised to find internet...
Men's Golden Rule Of Online Dating - Patience | Oasisoflove.com
It is one thing to run a dating service as a source of revenue, but quite another to be interested in the effectiveness of the system. People have taken to online dating like a duck to water. Unfortunately, little innovation exists in the...
Scared of dating women that are "out of your league?"
A few years ago, when I still believed in dating, I went on date
with a woman I'd managed to create initial attraction with. I
didn't recognize the signals at the time, but I'd been acting in
a naughty/funny way around her and she was attracted...
Women, Hear These Dating Tips
For quite some time now or since time immemorial, many women
have been embarking on that quest towards the elusive "Mr.
Right". But how does one woman know if she is succeeding on the
turf of dating or if she is mainly risking her safety?
...
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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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