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7 Cash Flow Secrets Your Accountant Never Told You
Looking for ways to boost your cash flow? As a small business consultant, I make these recommendations to my cash strapped small business clients: 1. Shoeboxes are for shoes, not business records. Pardon my candor but, you will never have a...
Getting an Upper Hand on Fraud
Have you ever been a victim of fraud? Have you ever been led to
buy a product that promises to offer you this and offer you that
but in the end, aren't what you expect it to be?
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Making A Small Store Go
I just got a note from a 19 year-old business student who is determined to start her own business. "It's a trendy clothing shop. I have the location, the start-up money, a lawyer, and an accountant" she wrote enthusiastically. "My parents think I'm...
Pay No Bank Fees & Lower Your Interest Rates!
Learn the secrets to lower interest rates, and no bank fees...
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RV Warranties - Are They Worth The Money?
RV Warranties - Extended Service Contracts
Many consumers are uncertain when it comes to the question of
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The Student Loan
The rising costs of college tuition have made it almost a necessity to apply for a student loan today. Students not only have tuition costs, but the cost of books, meals, gas, cell phones, recreation, etc. The variety of student loans enables students to take care of their varying college expenses. A student loan however, is a loan that must be repaid under specified circumstances.
Each of the following are student loans with differing conditions and time frames for repayment:
* A Direct Student Loan is a loan with a schedule of repayment six to nine months after the student has completed school. The Direct Student Loan is distributed through the school the student is attending, which enables the interest rates to be much lower than a Guaranteed Student Loan.
* Guaranteed Student Loans, also known as Stafford Loans have a low interest rate. A student can apply for a subsidized or unsubsidized student loan. A subsidized loan means the government pays the interest for you while you are in school. The subsidized student loan is based on the students financial need. An unsubsidized
student loan means you will be charged interest while you are attending school. The principal must start being paid after you have finished school. Both types of student loans need to start repayment six months after the student has finished college.
* Federal Parent Loans or PLUS loans as they are known is a student loan not contingent on your income, but lenders do consider personal credit history. Parents or guardians who have a dependent child enrolled in college at least part-time are eligible for the PLUS loan. The interest rate is 9% or less.
Virtually any school or program will allow you to utilize the Direct Student loan, Guaranteed Student loan or PLUS loan. It is very important to thoroughly research all available options for funding long-term education. Your future is tied to your funding, which is your student loan.
About the Author
John Williams is the student loan blogger at http://studentloan.blogspot.com He reviews student loans and interprets often complicated financial data into simple to understand language.
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