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How to Find Cheap Loans UK
For the individual in need of cheap loans UK , it can sometimes seem like the loan they seek is always just out of reach.
The hardest part of finding cheap loans UK is usually sorting through the various types of loans to find the one loan that...
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SECURED LOANS
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Sustainable development is at the heart of every human dream. You work hard every day and you grow emotionally and financially every day. Yet you find that you are still short of money when you want to buy something. There are smart ways to fill in...
Why student loans are better than credit cards
Why student loans are better than credit cards You need some more money for college expenses this semester. Do you whip out a credit card to pay for your books, or do you apply for a federal or private loan? Well, consider the options – -With a...
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Parent Loans or Student Loans – what is going to be best for my child?
Parent Loans or Student Loans – what is going to be best for my child?
At least 20% of college students need some type of loan to help pay for their college education. Such a statistic can lead to students graduating with an unmanageable debt load. An alternative is for parents to help out by taking out loans themselves. But which is the better option – student loans or parent loans? Each has distinct advantages and uses.
Federal student loans Federal student loans have the lowest interest rates and best repayment options. If you need to take out loans and you qualify for federal loans, this is your best choice. Just be sure to accept only the funds you need, even if you are offered much more. Parents can always help their children pay off these loans once repayment begins after graduation.
Federal parent loans PLUS Loans (Parent Loan for Undergraduate Students) are another loan option that comes with low interest rates. If you are a parent with dependent students attending college at least part-time and you have a good credit history, you are eligible to receive a PLUS Loan. These loans are not needs-based. You can borrow up to the total cost of undergraduate education expenses, minus other financial aid already received. Unlike federal student loans, payment is not deferred until after graduation; instead, your first loan payment will be due about 60 days after the loan is disbursed. Also unlike federal student loans, PLUS Loans require an application fee.
Private loans Both students and parents can
take out private loans to cover funding gaps. Terms are basically the same for these loans, although students may be able to have their repayment deferred until after graduation. Another consideration is that students may wish to take out small loans to begin to establish a credit history. You may need to cosign for private student loans.
Other options Parents do have some additional options for college funding, such as home equity loans. These often have rates as good as private loans.
So which type of loan should I get? This really comes down to a personal decision. Ask yourself these questions as you are trying to decide:
-What level of debt do you feel is manageable for your child to graduate with? -How important is it to you that your child takes responsibility for paying student loans? -Will you and your child work out a repayment plan to repay PLUS Loans and other parent loans?
This article is distributed by NextStudent. At NextStudent, we believe that getting an education is the best investment you can make, and we're dedicated to helping you pursue your education dreams by making college funding as easy as possible. We invite you to learn more about Parent Loans or Student Loans at http://www.NextStudent.com .
About the Author
My goal is to help every student succeed - education is one of hte most important things a person can have, so I have made it my personal mission to help every student pay for their education. Aside from that, I am just a pretty average girl from SD.
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The Student Loans Company Ltd. |
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Loan Guaranty Service, Home Page (U.S. Department of Veterans Affairs) |
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Fool.co.uk - Compare Loans - Personal Loans and Unsecured Loans |
Compare over 200 UK loans including personal loans, secured loans, and unsecured loans. Search all loans and apply online. |
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Service network of lenders that enables consumers to compare rates, apply for and get approval for competitive auto loans online. |
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Direct Loan Home Page |
The US Department of Education's lending arm for students in participating schools and student loan consolidation. |
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Personal, home equity loans for union members at Union Plus |
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