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Loans are not just for Christmas. Surviving the holiday debt hangover.
Christmas is coming - A time for decorations, songs,
over-eating, gift giving, visiting the family, consumer spending
and the increasing of personal debts. Bah humbug.
While most people see Christmas as a joyful period there are
many who see...
Payday Loans: A better solution for the average American worker.
With the New Year upon us and Christmas bills starting to pile
up, countless Americans are wondering how they will pay the
bills and cover the taxes due in April. Payday loans are one
solution to individuals feeling the crunch of bills and taxes....
Securing Debt Consolidation Secured Loans
If you're like most people, then you've got debt in your life… and if that debt is getting out of hand, you might want to consider debt consolidation secured loans. These loans are designed for people who find themselves in debt beyond their means...
Types of Home Equity Loans
Home equity loans are a way of using the money that you've invested in your mortgage by borrowing against it. Essentially, a home equity loan is a 'second mortgage' - a loan secured by your property. If you don't make good on your payments, the...
What are Personal Loans?
As the term implies, Personal loans are simply loans for any personal use. They're known as personal loans because the money is for personal use, such as buying a car or home improvements. Most lenders do not stipulate what you can spend your...
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Types Of Student Loans
Paying for college sometimes means using student loans. Student
loans are specifically designed to help students meet the costs
of a higher education. Most student loans offer good deals on
tax credits, payback and interest rates. However, before getting
a student loan it is important to consider the different types
of student loans and where to go to get one.
Student loans can come from private lenders, colleges or the
federal government. Federal loans are often guaranteed, which
means no collateral is needed to obtain the loan. The Federal
Stafford Loan is a commonly used government loan that provides
low interest rates. Some Stafford Loans are based on income and
others are not. Subsidized loans are based on income and the
government pays interest until the student begins repayment. An
unstudied loan Leaves all interest up to the student. There is
also the Federal PLUS loan that parents can take out for
students.
Besides the government loans there are bank loans. Loans through
banks differ in payment options and interest
rates. Most banks
will require some form of collateral for the loan. Collateral is
something that the bank will get if the loan is not paid. State
loans can be more expensive than government loans and are
usually handled through banks. College loans are the most costly
and should only be used on an emergency basis. There are also
special loans that a student may apply for based upon certain
factors, like military affiliation.
Once a loan is secured reading and understanding it is
essential. A student should understand about repayment, interest
rates and any limits on amounts they can borrow. Understanding
where to go get a loan is also important. Student loans may be
the only way to ensure a student can afford college, so getting
to know the options is a good place to start.
About the author:
Stephen Kreutzer is a freelance publisher based in Cupertino,
California. He publishes articles and reports in various ezines
and provides information on student loans at Just Student Loans!
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