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Dating & Courtship

 

Student Consolidation Loan: How ConsoliDating & Courtship Student Loans Can Keep You Out Of Debt

The repayment of Federal student loans generally begins after the borrowing student has completed his or her education and an additional grace period after that. However, due to various reasons students opt for student Federal loan consolidation. However, there is certain eligibility criterion that you must fulfill and a process that you must follow before you can be entitled to Federal debt consolidation of student loans. Again, it is important to note here that such process...

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The repayment of Federal student loans generally begins after the borrowing student has completed his or her education and an additional grace period after that. However, due to various reasons students opt for student Federal loan consolidation. However, there is certain eligibility criterion that you must fulfill and a process that you must follow before you can be entitled to Federal debt consolidation of student loans. Again, it is important to note here that such processes and criterion might be reviewed and revised from time to time. So, it’s important that you check on them with the concerned authority.

As per the Higher Education Reconciliation act of 2005, the eligibility criteria for student loan consolidation by FFEL and Direct Stafford loan borrowers has been defined a bit differently. Now, such borrowers will not be eligible for consolidation loan if they are still studying i.e. they are not eligible until the time they leave school or graduate or have enrollment that is less than half-time. For PLUS loan borrowers, the consolidation eligibility begins as soon as the full disbursement has happened.

Private student consolidation loan is a low interest student loan. People having outstanding non-federal education-related expenses can apply for this loan. But he or she should be a holder of US citizenship. If not, the applicant must at least be a permanent resident.

Generally, the minimum loan amount is $10,000 while the maximum amount that can be borrowed is $250,000. The amount also decides the repayment periods. If the amount borrowed is below $40,000, the repayment period is fixed at a maximum of 20 years. However, if you borrow more than $40,000, you can enjoy a longer repayment period of up to 25 years.

This student loan consolidation is quick to get approved. The interest rate on private student consolidation loan is the prime rate and is adjusted on a monthly basis. The interest rate is also dependent on the credit record of the borrower. A good credit record will attract a lower interest rate. As such, the interest rate is variable.

The prime rate is 7.0 percent (at the time of writing this article). Initially the margin may vary between 0 percent and 9.90 percent and is adjusted based on the changes in the margin adjustment index.

This student loan debt consolidation can be utilized to consolidate all debts relating to education, which also include private loans as well as federal student loans. If you want, you can consolidate for more than one child. Spouses have the choice to consolidate multiple loans into a single consolidation loan.

 

Pay Off Your Credit Cards By ConsoliDating & Courtship Your Debt

More and more of us are taking getting credit cards these days, and many of us find it very difficult to even make the regular minimum payment, much less pay off the entire balance every month. Some people think about taking out a debt consolidation loan to pay off all their cards and only have one lower monthly payment. However there are some other options that you should consider.

One of the options to consider is to take the balance of all your cards and transfer it o...

debt relief consolidation, debt loans, consumer debt repair

More and more of us are taking getting credit cards these days, and many of us find it very difficult to even make the regular minimum payment, much less pay off the entire balance every month. Some people think about taking out a debt consolidation loan to pay off all their cards and only have one lower monthly payment. However there are some other options that you should consider.

One of the options to consider is to take the balance of all your cards and transfer it onto one card. The best thing to do would be to see which of your credit card accounts offers the lowest interest rate and transfer all the balances onto this account, thereby lowering your overall interest rate. However, if you are thinking about going this route you should also consider closing all but one of your credit card accounts. It is very easy to charge up your credit cards again right up to the maximum balance, which is the exact opposite thing that you should be doing!

Another option is to open another credit card account with an introductory 0% interest rate on all balance transfers, and transfer all your balances onto that one. This way for a period of time you will not be paying any interest at all, and if you are disciplined you can make extra payments and it will all go towards paying off the balance and none to interest. However, when this introductory period is over it is important to know what the interest rate will be and to take action again if it is fairly high. You will want to keep your credit card account with the lowest interest rate open so that you can transfer the remaining balance onto that card, thereby paying as little interest as possible.

Probably the last option that you should consider would be to borrow the money to pay off your credit cards from a family member or a friend. In order for this to work you would need to draw up a formal contract with the repayment plan and interest rate clearly stated. However, this is really the last option that you should exercise because there is a lot of room in this type of situation for bad feelings to occur and for relationships to become strained.

Whichever option you decide to go with, the important thing is that you do something about your credit card debt now. Don’t wait until you are really in over your head before taking action.

 

Preserve Your Sanity By ConsoliDating & Courtship Your Debt

When you have a lot of debt hanging over your head it really can become overwhelming and too much to handle. Many prefer to dodge the calls and the letters of the debt collectors. Instead, why not consolidate your debt and get out of the hole that you are currently in? You may feel that there is no way out of debt, but there is! The process is slow, but if you take it one day at a time, you will find that you are able to get out from under the cloud that is hanging over yo...

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When you have a lot of debt hanging over your head it really can become overwhelming and too much to handle. Many prefer to dodge the calls and the letters of the debt collectors. Instead, why not consolidate your debt and get out of the hole that you are currently in? You may feel that there is no way out of debt, but there is! The process is slow, but if you take it one day at a time, you will find that you are able to get out from under the cloud that is hanging over you now in less time than you had ever imagined.

Why ConsoliDating & Courtship Your Debt Works

Many people hear the term debt consolidation and they don't understand why putting all of their debt together works. The idea is simple. Instead of having several different creditors that you are paying interest and principle to you have just one entity that you are paying to. For instance, imagine that you had 10 different credit cards that you were paying to and you were paying 20% interest to each of them. A lot of the money that you are paying out each month is interest. So, if you combined all of the debt and you were paying 15% interest on the entire amount that you owe, you would be paying substantially less than you are paying today.

When you consolidate your debt you are trying to eliminate all of the unnecessary expense that is associated with paying off debt. The problem that many people have when they are in debt is that their interest rates are so high that they are only able to pay on the interest on each of their accounts, so they are never actually decreasing their debt. When you consolidate all of your debt and you are paying just one interest payment, you are better able to start making payments on the principle amount that is due, which is what you want to do. When you are able to pay off more than the interest you are actually chipping away at what you owe.

While consoliDating & Courtship debt is a bit scary because you'll have to look at a larger amount of money that is due, it makes things easier in the long run. When you have money that is owed in ten different places it is difficult to make payments on everything and stay up to date. While the account balance will be more, it will be the only account that you have to worry about. This allows you to focus on what needs to be done to not only pay the interest but also start paying off the money that is actually owed.

Debt consolidation works. Thousands, if not millions of people, are working their way out of debt right now thanks to consoliDating & Courtship their debt. It's amazing how when you do away with all of the different, and often high interest, rates how much more effective your payments actually are. You can pay the same amount that you have been in the past, yet you will see your account balance getting smaller and smaller with each payment.




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