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Computer Loans -An opportunity to have a computer of your own
Computers nowadays have become a part and parcel of everyone's
life. To keep oneself updated, one needs to match pace with the
changing technology. You too must be using a computer for
various personal and professional purposes. The real...
Easy ways to get Loans, Leases and Mortgages
There's an old saying "a bank won't lend you money if you really need it," and it's really almost completely true. Banks prefer to lend money or extend credit to people who already have lots of money, and carry the top credit cards. If you've got...
Fannie Mae And Freddie Mac Mortgage Loans - Conforming Loans Provide Low Interest Rates
Conforming loans provide low interest rates since they are
almost guaranteed to be purchased by Fannie Mae or Freddie Mac,
which allows more funds to be available for borrowers. However,
these corporations have terms, such as maximum loan, that...
Home Loans -- Federal Regulators Warn Lenders to Be More Careful
Federal banking regulators have recently expressed some concern over the housing market as home prices in the United States have risen to record levels. While homes are more unaffordable than ever for many people, the lending market remains strong,...
Secured business loans - An opportunity to showcase one's entrepreneur skills
Publilius Syrus's statement, "Money alone sets the entire world
in motion" holds true to the world of business. Starting a new
business involves huge investments. You may have big plans for
the business but they won't work if you don't have the...
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Student Loans 101
When it comes to furthering your education, you must have
student loans to do it. It is rather simple to get extra funding
to cover your school costs when scholarships and grants do not
add up to enough funding. There are student loans out there for
you to apply for as well as private loans and loan consolidation
if you need it.
Student loans are
available through the federal government and they are the
biggest source when it comes to education loans. The most
popular federal loans are Federal Stafford loans, Federal
Perkins Loans, and Federal Parent Loans for Undergraduate
Students or PLUS. The Federal Stafford Loans are available to
both graduate and undergraduate students. The Federal Perkins
Loans are given by colleges to those who need it the most and
these loans require no payment of interest while the student is
attending school. PLUS student loans are low interest and are
available through the financial aid office of the school your
student is attending or through the Sallie Mae foundation. This
student loan covers all expenses, including room and board and
books, which you as a parent were going to be financially
responsible for. Two programs are responsible for federally
funded loans. One is the Federal Family Education Loan Program
in which the lender can be your school or bank. The other
program is the William D. Ford Federal Direct Loan Program where
the lender is the U.S.
Department of Education.
Private student loans are available to you when a scholarship,
grant, or federal loan falls short of your tuition costs and
other expenses like books or living. They are also called
alternative loans. A private student loan is not sponsored by
the government and therefore no federal papers will be needed to
be signed by you. It is a loan that is offered through a bank or
other financial institution. To obtain this type of student
loan, credit is reviewed by each lender from you, your
parent(s), and in some cases, a co-signer may be needed. The
Sallie Mae program offers a private loan program for both
graduates and undergraduates. Other private student loans
include MEDLOANS and MBA LOANS. Loan consolidation is a great
move when you have several loans to pay off. When you
consolidate, your student loans with their various repayment
schedules can be condensed down into one simple payment. An FFEL
consolidation loan will give you a one-month payment option and
they will contact credit bureaus and notify them that you have a
zero balance. You must be in repayment of your defaulted loan
with three on time payments to be able to obtain a FFEL student consolidation loan.
About the author:
Natalie Aranda writes about personal finance,
travel and business.
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