tag:blogger.com,1999:blog-49737721321117843402024-03-05T21:49:25.361-08:00Student Loan Info CenterUnknownnoreply@blogger.comBlogger6125tag:blogger.com,1999:blog-4973772132111784340.post-88737174356255748922012-11-30T05:34:00.000-08:002012-11-30T05:34:21.692-08:00Car Loans for College Students<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiZhagivQ_Sy4sosCSxa2ea5EJOF0APBC4Nr7jiDxaz2U-EH9Snon3_8R2uB7EvUxWSoIJpTbHdrmq0A-7SKE9o1HdzYxwg6Kh2y8BIDiiSgYsfYQRgme_NDB8h-296s34SzfULb8SEisxn/s1600/student-car.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="252" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiZhagivQ_Sy4sosCSxa2ea5EJOF0APBC4Nr7jiDxaz2U-EH9Snon3_8R2uB7EvUxWSoIJpTbHdrmq0A-7SKE9o1HdzYxwg6Kh2y8BIDiiSgYsfYQRgme_NDB8h-296s34SzfULb8SEisxn/s320/student-car.jpg" width="320" /></a></div>
<span style="background-color: white; color: #333333; font-family: Verdana; font-size: 12px; line-height: 18px;">Almost every college student needs wheels. Unfortunately, getting a car loan isn't always easy. Traditional banks and credit unions are usually not very eager to give car loans to college students, who may not have a great deal of income or credit. </span><br style="background-color: white; color: #333333; font-family: Verdana; font-size: 12px; line-height: 18px;" /><br style="background-color: white; color: #333333; font-family: Verdana; font-size: 12px; line-height: 18px;" /><b style="background-color: white; color: #333333; font-family: Verdana; font-size: 12px; line-height: 18px;">Car Loans Online</b><span style="background-color: white; color: #333333; font-family: Verdana; font-size: 12px; line-height: 18px;"> </span><br style="background-color: white; color: #333333; font-family: Verdana; font-size: 12px; line-height: 18px;" /><br style="background-color: white; color: #333333; font-family: Verdana; font-size: 12px; line-height: 18px;" /><span style="background-color: white; color: #333333; font-family: Verdana; font-size: 12px; line-height: 18px;">Online lenders are one of the good things that have come with modern times. The competition between online lenders is fierce. Interest rates are lower than ever and even if your credit score isn't perfect, you can still get a car loan that has reasonable loan terms. </span><br style="background-color: white; color: #333333; font-family: Verdana; font-size: 12px; line-height: 18px;" /><br style="background-color: white; color: #333333; font-family: Verdana; font-size: 12px; line-height: 18px;" /><span style="background-color: white; color: #333333; font-family: Verdana; font-size: 12px; line-height: 18px;">If you are a college student who is looking for a car loan online, remember to use primarily vehicle loan companies that will help you compare quotes and offers from more than one lender. This will help you get the lowest interest rate and best loan terms possible. </span><br style="background-color: white; color: #333333; font-family: Verdana; font-size: 12px; line-height: 18px;" /><br style="background-color: white; color: #333333; font-family: Verdana; font-size: 12px; line-height: 18px;" /><span style="background-color: white; color: #333333; font-family: Verdana; font-size: 12px; line-height: 18px;">When applying for a car loan online, it is also important to make sure that you answer all of the questions on your loan application honestly and accurately. This will help the lender give you quote that you can rely on. </span><br style="background-color: white; color: #333333; font-family: Verdana; font-size: 12px; line-height: 18px;" /><br style="background-color: white; color: #333333; font-family: Verdana; font-size: 12px; line-height: 18px;" /><b style="background-color: white; color: #333333; font-family: Verdana; font-size: 12px; line-height: 18px;">Applying for a Car Loan</b><span style="background-color: white; color: #333333; font-family: Verdana; font-size: 12px; line-height: 18px;"> </span><br style="background-color: white; color: #333333; font-family: Verdana; font-size: 12px; line-height: 18px;" /><br style="background-color: white; color: #333333; font-family: Verdana; font-size: 12px; line-height: 18px;" /><span style="background-color: white; color: #333333; font-family: Verdana; font-size: 12px; line-height: 18px;">Before applying for a car loan, you should determine how much you can afford to spend. College is stressful enough; you don’t want to have to waste time worrying about how you are going to make you car payment. Consider the following expenses to come up with a payment amount that you can afford:</span><br />
<ul style="background-color: white; color: #333333; font-family: Verdana; font-size: 12px; line-height: 18px; margin: 1.5em 0px; padding: 0px; position: relative; text-decoration: inherit; z-index: 0;">
<li style="font-family: inherit; font-style: inherit; list-style-type: disc; margin: 0px 0px 0px 18px; padding: 0px; text-decoration: inherit;">Car Loan Payment</li>
<li style="font-family: inherit; font-style: inherit; list-style-type: disc; margin: 0px 0px 0px 18px; padding: 0px; text-decoration: inherit;">Car Insurance</li>
<li style="font-family: inherit; font-style: inherit; list-style-type: disc; margin: 0px 0px 0px 18px; padding: 0px; text-decoration: inherit;">Fuel</li>
<li style="font-family: inherit; font-style: inherit; list-style-type: disc; margin: 0px 0px 0px 18px; padding: 0px; text-decoration: inherit;">Car Maintenance (oil changes, tune-ups, etc.)</li>
</ul>
<span style="color: #333333; font-family: Verdana;"><span style="font-size: 12px; line-height: 18px;">Look over your loan quote and work it into your budget. Remember that you're also going to have to pay for insurance, </span></span><span style="color: #333333; font-family: Verdana; font-size: 12px; line-height: 18px;">gas and your other monthly obligations.</span><br />
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<span style="color: #333333; font-family: Verdana; font-size: 12px; line-height: 18px;">Repay your student car loan on time every month. This loan is probably going to be one of the first things that can </span><span style="color: #333333; font-family: Verdana; font-size: 12px; line-height: 18px;">impact your credit history.</span><br />
<span style="color: #333333; font-family: Verdana; font-size: 12px; line-height: 18px;"><br /></span>
<span style="color: #333333; font-family: Verdana; font-size: 12px; line-height: 18px;">Making your payments on time establishes good credit and allows for the possibility of </span><span style="color: #333333; font-family: Verdana; font-size: 12px; line-height: 18px;">better rates on future car loans.</span><br />
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Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-4973772132111784340.post-89655104842696013142008-08-28T01:10:00.000-07:002008-08-28T01:11:50.855-07:00Private Student Loan Consolidation<p><span style="font-family:Tahoma;font-size:85%;">What Are Your Student Loan Payment Options? <br />Student loans are common aids that students need these days to fund their college education. However, loans come at a price and are not as simple as grants and scholarships. Loans become your responsibility for years to come until you pay them off completely. Since it is a long-term issue, you must be very careful while selecting a <script type="text/javascript"> document.write("<a href="http://mcallen2.SGGUIDE.hop.clickbank.net" target ="_blank" onmouseover="a('$$$ The Scholarship &; Grant Guide ~ Americas #1 Guide For 10 Years!'); return true" onmouseout="b()"> student loan</a>"); </script> program. Study the payment options and plans minutely and choose the one that has affordable interest rates and convenient payment methods. Most often <script type="text/javascript"> document.write("<a href="http://mcallen2.SGGUIDE.hop.clickbank.net" target ="_blank" onmouseover="a('$$$ The Scholarship &; Grant Guide ~ Americas #1 Guide For 10 Years!'); return true" onmouseout="b()"> student loan</a>"); </script> repayment begins from 6 months after you graduate or after you get a job.<br /><br />Different payment modes:<br /><br />For a typical student loan, a certain amount is paid for a certain period of time, agreed upon previously. The payment period could be 5-15 years. However, there are many other methods of payment like, graduated, income-contingent and extended repayment. Both federal and private loans have these methods of repayment so as to lend flexibility to the programs and to enable students to pay off their loans without much trouble.<br /> Debt consolidation </span></p> <span style="font-family:Tahoma;font-size:85%;">is another method of payment. People are not aware that student loans are in some ways considered personal loans and can be consolidated just like loans for car, housing, business etc. The biggest benefit it offers is that your payment burden is reduced because of consolidation of all outstanding loans into one account and enables you to clearly keep track of your money.<br /><br />Prepare well:<br /><br />Being alert to the cost of your loan from the very beginning is very important. Many loan companies offer loan payment calculators to students to help them balance out their <script type="text/javascript"> document.write("<a href="http://mcallen2.CREDITPROV.hop.clickbank.net" target ="_blank" onmouseover="a('Bad Credit Personal Loan Source.'); return true" onmouseout="b()"> student loan</a>"); </script> payment and other expenses beforehand. When you are about to graduate you may be able to predict the salary that you might get. On the basis of this, you have to calculate a payment amount not exceeding one fifth of your salary.</span>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-4973772132111784340.post-87519955603283513452007-12-18T23:49:00.000-08:002007-12-18T23:50:13.711-08:00Federal Student Loan ConsolidationDifferent Options In Graduate Student Loans<br />If you have decided on higher education, you may want to look at different graduate programs. These loans mean a big investment into the future. There are many loan providers willing to offer loans at different terms and conditions.<br /><br />Different loan options:<br /><br />Federal student loans are meant for those needing a graduate student loan. For professional and graduate students there is the Stafford loans and Graduate PLUS loans. These are a great choice as they are the least expensive. It is best to first explore the Stafford loan option and later think of Graduate PLUS loan for your higher education.<br /><br />Sometimes a private is more desirable as it may fit your specific and individual situation better. In this case you do not have to apply for a Stafford or Graduate PLUS loan. A private may<br /><br />also help you meet the needs not catered to by other loan programs.<br /><br />Private lenders are also in the field to help you get a graduate student loan. They may offer some good, worthwhile loan programs. If you are going for specific degrees like medicine or law you may take a look at what they are offering.<br /><br />Looking for an appropriate graduate program may be a time taking task.. However, remember that you are making a priceless investment into your future so, research is an indispensable tool. While considering any graduate student loan, keep in mind its long-term effects. Try to opt for a loan with low fees and affordable interest rates. Repayment options should be such as to suit your financial needs before and after your graduation.Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-4973772132111784340.post-29588510200616681772007-12-18T23:48:00.000-08:002007-12-18T23:49:17.745-08:00Private Student LoanStudent Loan Services- An Overview<br />College education is too expensive for most students to self-finance so, other sources of funds like, grants, sponsorships, scholarships, loans etc, are most sought after. Of these, loans are the most popular.<br /><br />Many financing companies are around to offer loans to students. Keep in mind that loans have to be paid back so ensure that the payment terms of the loan that you are selecting are favourable to you.<br /><br />The leading loan services are the Great Lakes Student Loans, Federal Stafford Loans, Federal PLUS loans and the College Board Connect Loan. To help students apply and smoothly go through the process of loan services, colleges themselves come forward.<br />From among the above, a few financers are more popular because of the flexibility of their loan programs. The experience that they have got over time has also helped them gain the trust of students.<br />After loan<br /><br />sanction, most of the dealings like, loan accounts, making payments, receiving notices and alerts etc, are done online.<br /><br />You can find out about the various procedure and features that these companies have on offer. The Great Lakes personal financial management system is specially designed for students and graduates. A student can utilize the calculators and wizards to figure out the cost of the loan as an entire liability after graduation. There are articles also which provide important and basic advice and tips to all those who are new to the services. The internet is another source of information.<br />Research well and go through the comparative rates, payment plans, beneficial features etc, before you finally decide to opt for any particular service.Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-4973772132111784340.post-72937102851675550282007-12-18T23:45:00.001-08:002007-12-18T23:45:48.823-08:00Student Loan ConsolidationThe Many Advantages Of Consolidating Student Loans<br />Loans are the baggage that accompany modern lifestyle. They have ensnared us to the extent that that now it is difficult to live both with or without them. Consequent to this fact, loan pre-requisites have been greatly simplified. So, almost anyone, even those with bad credit can avail of loans. In most cases, a repayment becomes difficult because of lack of foresight on the part of the debtor. He /she may not have taken into account all the considerable expenses that one has to incur after graduating and living on their own.<br /><br />More on consolidating student loans:<br /><br />Considering that consolidating student loans have so many benefits, it is important that you do so after graduation or even earlier if you intend to start repayment sooner. You should know certain facts in this respect-<br />1)The law is with you- according to the federal law, you have to consolidate your loans with a lender if you have more than one loan from that lender. However, if you have more than one loan provider, you may consolidate your student loans with<br /><br />any suitable and preferred Federal consolidation program for student loans.<br />2)Beware of too low interest rates- consolidating student loans helps you save a lot in the long run as it cuts down the interest rates. However, stay away from lenders luring you with too-good-to-be –true offers on interest rates, which they will recover from you eventually in some form or the other. So, research and read the contract well, before signing.<br />3)Look around for the best possible terms and conditions and do not hesitate to ask for a little extra from leading banks too. Your monthly financial burden is brought down to a minimum, you end up with significant savings as well as stay out of the defaulter’s list, all by consolidating student loans.<br />4)Monthly budgeting and repayment is convenient as consolidating student loans ensures that you make only one payment each month to only one lender. So, keeping track of all details like repayment schedule, interest rates etc, becomes easyUnknownnoreply@blogger.com0tag:blogger.com,1999:blog-4973772132111784340.post-63287789667628739722007-12-18T23:39:00.000-08:002007-12-18T23:44:37.805-08:00Student LoanCollege is very costly. After you graduate, the pressure to pay back your can be a tremendous burden. If you are living hand-to-mouth and tired of it, here is some friendly advise that may help eliminate debt completely.<br /><br />Get a Consolidation.<br /><br />Many lenders are happy to loan the money you must have to pay for your college expenses. However, these loans may have a high interest rate, perhaps because of no credit history or imperfect credit when you assumed your loan. And with more than one loan, that can be a burdensome problem. Consolidating your student loans can lower your interest rate and your monthly payments. It also allows one payment instead of several.<br /><br />You Can Refinance Your Loan<br /><br />Consolidating can save money through lower interest charges and less per month payments, but that may not be enough to really help you out. You can consider refinancing your to stretch out the length of the loan. This will spread the debt over a longer period of time and thereby lower your monthly payments by as much as half. You should be very careful about this option. You could be spending a lot more over the term of your loan.<br /><br />Don’t Miss Making Your Payments<br /><br />You want to pay down your debt for good and the most important step you can make is to pay on time every month. If you miss payments or are late, you will increase the loan debt and end up paying more in the long run. Be faithful in making payments and your debt will go away.<br /><br />Consolidate All Your Student Loans Into One<br />Pay Less per Month by Consolidating Your Student Loans<br /><br />A can be a wonderful<br /><br />way to fund your college education and for some folks the only way, however, these loans must be paid back. When you are finished with school you may find repaying your loan is too much of a burden. If this is true for you, consider consolidating all your loans into one, or perhaps you would just like to save some of your hard earned cash.<br /><br />What’s the Advantage of Loan Consolidation<br /><br />Consolidating may bundle all your loans into a single package. You then have to deal with only one lender and one payment each month instead of one for each loan. Consolidation also allows you to get a lower interest rate and thereby save you a lot of money over the life of the loan.<br /><br />What are the Costs of Consolidating Your Student Loans<br /><br />Good news since you may lower your monthly payments significantly perhaps by as much as 60%. Regrettably, however, you could increase the amount of money you pay over time for the loan. Therefore before you decide to consolidate you should be very careful to look at the numbers (interest rate and loan terms). Take the time to learn about and compare the lenders you are considering.<br /><br />These Federal Loans are Eligible for Loan Consolidation<br /><br />Many federal loans have a low interest rates already. Even so, you may be able to get a lower payment by consolidating these loans. Federal loans that are typically eligible for consolidation follows:<br />* Stafford Loans<br />* Direct Loans<br />* Perkins Loans<br />* PLUS Loans<br />* Supplemental Loans for Students<br />* Federally Insured Student Loans<br />* National Direct Student Loans<br />* Loans for Disadvantaged Students<br />* Auxiliary Loan to Assist Students<br />* Health Education Assistance LoanUnknownnoreply@blogger.com0