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Consolidate Credit Card Debt
Do you have credit card debt? Are you struggling with debt from several credit cards like Mastercard, Visa and others? Have you ever crossed your mind to consolidate credit card debt? It is very easy to jump on the debt carousel and when you first...
Credit Card Debt Consolidation: Top 3 Factors To Consider
If you've got a number of credit cards and insurmountable credit card debt, then perhaps it's time to consider a debt consolidation loan. A consolidation loan is a loan that you can use to pay off all your debts, meaning that you can pay them off...
Factoring Financing: How to grow your business without debt or loans
What is factoring?
Accounts receivable financing, also known as factoring, is a powerful financial tool that has fueled the growth and success of a number of companies. Factoring enables companies to capitalize on their unpaid receivables by...
Pay Off Your Credit Card Debt Quicker
Here are ten simple tips to help you pay off your credit card debts sooner. First the boring bit: the first three steps are boring but vital. If you want to take control, you have to know what's going on. Taking control of your finances can feel...
The Human Side: Debt Stress
In all the technical discussion you hear about credit card debt, the best ways to manage it and pay it off and all the rest, one thing goes largely ignored. Credit card debt is extremely stressful, and can have a very negative effect on your life,...
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Dealing with Student Debt
The UK used to have an excellent 'free' education system, on the premise that education its citizens made the whole country wealthier. That has now changed, and student loans are the norm, as in the USA. This, of course, means that the majority of students leave University with a gigantic financial millstone around their necks. Is there anything they can do about this? In the first place, let's see if we can reduce the amount of debt we run up during the course.
With an average debt of about £11K (over $20,000 USD!), the average graduate leaves higher education more indebted than their parents. There are some additional funding sources that may be able to help some students, and prevent them incurring such enormous debt in the first place. You 'Local Education authority' (LEA) may offer means tested help towards tuition fees. The means test examines your income and that of your parents unless you are classed as an 'independent student'. Apply to the LEA where you intend to live before the course starts. Some LEA's may also offer Student Loans against your living costs while you are at college. See www.nodebtever.com for a list of LEA contacts.
Extra Allowances. You
may be entitled to a Disabled Student Allowance (DSA) which does NOT have to be repaid, and is intended to offset some of the additional costs you suffer because of your disability. Ask your LEA if you suffer from a recognized disability.
Got Kids? You are probably entitled to a Child Care Grant. Once again, consult your LEA. The principle is that you shouldn't be 'penalized' because you have children. If you are a single parent, you may even be able to get a 'Lone Parent' grant, which compensates you for being on your own with children as a student.
Come from a broken home? Try for a Care Leavers Grant. If you have no parents to stay with in the summer holidays, you may be able to claim up to £100 a week towards accommodation costs. Ask your LEA!
Once IN college, how do you keep your costs down? We'll look at that topic in the next article.
About the Author
Stu is a drop out from University who now spends his time writing articles for www.nodebtever.com in an attempt to help other students not make the same mistakes he made. A bit like that bloke from 'Quantum leap', but without the timetravel.
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| Factsheet - Debt Relief Under the Heavily Indebted Poor Countries ... |
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| www.imf.org |
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| Special report: debt relief | Special reports | Guardian Unlimited |
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| Economic Policy and Debt |
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| www.worldbank.org |
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| Economic Policy and Debt - The Enhanced HIPC Initiative |
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| www.worldbank.org |
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| Debt relief - Wikipedia, the free encyclopedia |
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| Debt Relief - Social and Economic Policy - Global Policy Forum |
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| www.globalpolicy.org |
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| Debt Relief - Global Policy Forum - Social and Economic Policy |
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| BBC NEWS | Business | Q&A: African debt relief |
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| What debt relief means for Africa | csmonitor.com |
| This weekend's $40 billion debt cancellation deal could spark major improvements in the lives of the world's poorest people. |
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