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Dating & Courtship

 

ConsoliDating & Courtship Your Federal Student Loan

Learn more on how consoliDating & Courtship your federal student loan will benefit you long down the road.

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Copyright 2006 Steven Longoria

For the average student who has graduated from college, it’s a difficult feat trying to make the payments on all of the federal student loans. Certainly, they were necessary to secure a good education and to obtain the education necessary to secure placement in the job of your dreams.

Now that you have reached that goal, you wonder how you are going to pay off all of those loans as well as meet your other financial obligations.

In recent months, a number of financial institutions have begun to see that many students are having a difficult time with meeting all of their financial obligations with so much in student loan debt.

In order to assist new graduates with their student loans, programs have been developed to allow graduates or soon-to-be- graduates to consolidate their student loans at an attractive interest rate. Some of the rates being offered are as low as 1.75% and some up to approximately 5.5% depending on the lending institution, the term of the loan, and the amount of the loan.

The typical federal loan consolidation saves a student 51% in payments per month, or approximately $150 monthly. In some cases, the savings may be even more, depending on the size of the loan and the original payment schedule.

A Federal student loan consolidation can be financed for either ten or twenty years. Many of these programs do not require either a credit check or income verification. These loans are intended to allow the new graduate to work their way into the working world and into their designated career without having to worry about how they are going to make the payments on the numerous loans that were required in order to get their degree.

These students are typically those whose parents were unable to send them to college and who did not quality for a full scholarship. Therefore, they had no choice on how to finance their education, but now that they are graduating or have graduated, reality has presented itself, and they have thousands of dollars in student loans that they are required to pay back.

With the employment situation being such as it is many of these students will not be able to obtain a job making the money they had originally anticipated if they are even fortunate enough to find a job in their field of study.

Being able to lower the payments on those loans will relieve some of the stress and allow the new graduate to concentrate on top priority items such as obtaining employment if he hasn’t already done so and being able to pay off the high interest credit cards with the money that will be saved by consoliDating & Courtship the student loans.

The new graduate who already has a family will be able to concentrate on spending time with the family instead of working harder and longer hours. Additionally, if he and his family have been living with relatives, the savings on these student loans may allow them the opportunity to move out on their own and being financially independent.

ConsoliDating & Courtship federal student loans is a godsend for many of the students who would not have even been able to attend college without loans in the first place.

 

ConsoliDating & Courtship Student Loans Made Easy!

Student consolidation loans can be considered as a very viable way of easing the burden of accumulating debt especially among students who are more or less dependent on the money sent by their parents. For most students, taking out just one loan to fund their higher education expenses is not really feasible. With the rising cost of college education coupled with the accompanying rise in supplemental expenses (school supplies, assorted fees, cost of living and dormitory fees) ...

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Student consolidation loans can be considered as a very viable way of easing the burden of accumulating debt especially among students who are more or less dependent on the money sent by their parents. For most students, taking out just one loan to fund their higher education expenses is not really feasible. With the rising cost of college education coupled with the accompanying rise in supplemental expenses (school supplies, assorted fees, cost of living and dormitory fees) a single loan will not be able to provide the kind of financial assistance that is needed by students.

These reasons compel most students to draw out more than one student loan in the course of their higher studies. It would not be surprising to see students having more than two student loans under their name. The problems arise when it comes time to pay off the loan. After a student graduates, he will not only contend with paying off his student loans but also with bills and other debts that he may incur over the course of his career. Juggling so many bills and loan payments could be too much to handle and it would not be far fetched to actually forget payment dates or worse, not have enough cash to service the student loans.

This is where a student consolidation loan can be of much help. By consoliDating & Courtship all of the student loans into one loan, a number of benefits can be enjoyed. First off, a consolidated loan means that instead of paying off many loans, you only have to deal with one monthly payment. Second, interest rates can be significantly reduced saving you more money to service other bills and debts. A student consolidation loan is an instrument that should be taken into consideration especially if you want to simplify how you handle your debts.

Please note: all above information is not an advice. Before you make ANY financial decisions please contact with your financial adviser. Your financial adviser can keep up with changing federal regulations regarding to student loans.

 

ConsoliDating & Courtship Multiple Loans

If over time you have accumulated multiple loans it may be wise to consider consoliDating & Courtship those loans into one single loan. There are a variety of ways in which this may be accomplished.

Student Loans
Multiple student loans must be handled in different ways depending upon whether they were funded originally as private loans based on personal credit or as federally insured loans. Private student loans may be consolidated in the same way that any private loans are consolida...

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If over time you have accumulated multiple loans it may be wise to consider consoliDating & Courtship those loans into one single loan. There are a variety of ways in which this may be accomplished.

Student Loans
Multiple student loans must be handled in different ways depending upon whether they were funded originally as private loans based on personal credit or as federally insured loans. Private student loans may be consolidated in the same way that any private loans are consolidated. Federally insured student loans were placed with a private institution but they were guaranteed against default by the federal government. This type of loan has strict guidelines about how and when it can be consolidated.

A federally insured student loan cannot be consolidated with credit card debt or any other kind of consumer debt. Private student loans may in some cases be consolidated with federally insured student loans but doing so is highly inadvisable. Once a private student loan has been consolidated with a federally insured student loan it then falls under the same strict guidelines as the federal loan.

Further, federally funded student loans will only be consolidated at an interest rate equal to the weighted average of the rates on all the loans being consolidated. At present that rate is capped at 8.25% but with all interest rates on the rise, this cap may soon be increased. In addition, loans must be consolidated within a certain time period after the student either graduates or leaves school without graduating. Also, federally insured student loans cannot be consolidated a second time unless a newly funded student loan is rolled in with the loans that were previously consolidated.

Multiple Home Mortgage Loans
If your home currently carries both a first and a second mortgage you may want to think about consoliDating & Courtship the two. This is especially true if your credit is good and the interest rates on the current mortgages are more than two percent higher than current mortgage rates. However, there are other factors to be pondered when considering this type of loan consolidation.

Refinancing your home carries certain closing costs. In order to avoid having to pay any out of pocket costs, these closing costs will be financed as part of your new consolidated mortgage loan. You should examine the affect that the refinancing will have on the cost you pay over the lifer of the loan. ConsoliDating & Courtship your home mortgage or refinancing that mortgage multiple times can actually be more costly than just sitting with the current loans. This is especially true if you will not be staying in your home more than three to five years.

Multiple Personal Loans
You would choose to consolidate multiple personal loans for the same reason you would consolidate multiple home mortgage loans; that is, if the interest rates you are currently paying are significantly above the currently available interest rates. Again, in order for a loan consolidation of this sort to be viable, you must have good credit and the cost of the multiple loan consolidation must not outweigh the savings you would accrue.




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