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The Facts About Consolidating Student Loans

Consolidation Equals Extra Cash In Your Wallet!

If you are a recent college graduate or will graduate by the end of next semester, you should seriously consider consolidating your student loans. This is especially true if most of your loans are private and your credit rating has greatly improved since the time you first secured them. The reason for this is that you can get those loans refinanced at much a lower interest rate.
Let's face it - Managing multiple loans each month can be nightmare. Unless you are a very organized person, it is very easy to slip every now and then and be late or even miss one or more of your payments. This is when you get hit with late fees and you pay more in interest. And if things aren't going well for you financially, it is going to be even tougher to consistently make your payments. This is precisely why consolidation can be a welcome relief provided you do it right way. So, what exactly is student loan consolidation? It is simply a way to combine all your existing loans into one new loan under a new term so that you make only one payment each month. Depending on the terms you negotiate, your monthly payments can be significantly reduced so that they become a lot more affordable and you have money to pay your other bills or put away into your savings account. If you have both federal and private student loans, however, you'll need to have two separate consolidated loans (one federal and one private) since federal and private loans cannot be consolidated together.
Student loan consolidation does not need to be a complicated process but you do need to do your due diligence. For federal loans, there are certain eligibility criteria that you need to meet but some its benefits are that you don't need any collateral, a co-signer, or even have to go through credit checks. You can even apply online if you like. With private student loan consolidation, you really need to research the company with whom you wish to consolidate your loans and thoroughly understand the terms and conditions you'll be bound to. Planning ahead and doing all your research will get you well on your way to major savings each month.

Increasing Your Student Loan

Personal Finance Tools

Gaining a university degree is not easy. Firstly, there is the competition involved. Then there are the financial arrangements to be sorted out since everyone knows that a university degree is not cheap. A good university education helps students land a good job with brighter career prospects. This in turn leads to better lives and hopefully more financially secure futures as well.
Now, in order to fund for one's college or university degree, it is necessary to take student loans. Of course, these student loans need to be repaid. But the key is to know how much and when to repay. A good financial management tool helps students make informed decisions about the loans they are taking from financial institutions.
A huge burdensome loan is the difference between taking the help of a good online financial management tool and doing it by one's own limited knowledge. If you have access to good financial advice, by all means go ahead. But if you cannot, then your next best bet is to get a good online finance management tool. This tool will help you figure out your monthly budget, calculate how much your are borrowing, how much you need to save per month to repay the loan on an assumed salary once you graduate.
The one issue with a student loan is that it needs to be repaid no matter what your circumstances. Unlike credit card debt which can be wiped clean if you are declared bankrupt, a student loan is there forever or until you repay it.
A personal finance tool is of great help as it will manage your budget, advice on maximum spending limits and suggested savings so that you can plan for a secure future.

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How To Lower Monthly Student Loan Payments

How To Lower Monthly Student Loan Payments

There are a few ways you can go about getting lower monthly student loan payments. However, you must be very careful which way you choose to go about it because student loan debt is not like other kinds of debt. Therefore, if you want to save money you must do it properly.
Almost all countries today are suffering from global economical crisis and people are trying everything they can to save what little money they could save for emergency use and for their future.
But when we talk about education parents are doing their best to send their children to school, that's also one of the reason why they are working so hard. Parents can do anything for their child, which is why some of them get loans just so they can pay for the tuition fees especially for college.
A loan is a form of financing where you borrow money from the bank to buy something or to pay for something. But you will have to pay back the bank the amount you borrowed plus the interest.
There are many loans that are being offered to customers and one of these loans is the student loan. There are two types of student loan the federal loans which are offered by the government and the private loan which are from the private lending companies.
The federal loan is said to be cheaper compared to the private loan. The private loan is much expensive because it is generally an unsecured loan, so they will charge you with higher interest rates. You can pay your students loan after your graduation and you find out that the amount you have to pay is more than you could handle.
One way to help you lower your monthly student loan payment is by consolidation. Here is some advice and tips for you to consolidate your loan.
You have to do some research first about consolidation loans and see if you qualify to get a student loan consolidation. One of the qualifications is you must have finished school, and you can't be enrolled in some programs you also have to determine which loan will qualify for it. You also need to gather all your billing statements and loan papers so that it would be ready in case you need it.
Second you have to see and choose which lending company you have to pick. There are some companies that will offer you discounts or lower interest rates but in some companies state that consolidation disqualifies you for having this discounts. So it is really important for you to read the fine print in each consolidation application that you have to compare and see which will give you the best option.
You also have to know that while applying for a consolidation will lower your interest rate you will still be paying more interest on the loan.
When you have decided you then have to fill up the consolidation application and don't forget to read and understand the terms.
When your consolidate loan is accepted you have to double check the paper and your interest rate, also check if everything is well and that there are no mistakes.
Education is one of the important factors that everyone should go through for this is the only thing that parents could give to their children that can't be stolen by anyone.

How To Choose Student Loan Consolidation Programs

How To Choose Student Loan Consolidation Programs At The Lowest Rates

Student loan consolidation programs are pretty easy to locate. Finding the program that has the lowest rate may be a little more difficult. In order to be eligible for a consolidation loan you will of course need to have outstanding loan balances. The student loans that you have at present may have high interest rates and will take years to repay. This means a huge amount of money in interest over the years not to mention fees that may have been hidden in the contracts. Student loan consolidation programs can potentially save the student a great deal of money.
The federal government usually offers much better interest rates than the private loan concerns can provide. When you locate a possible loan source you can easily use the online calculators that are available for free to determine the true value of the potential loan. Using the calculator you can easily see what the monthly payments will look like and how much the interest will add to the loan over time.
Private Banks do offer student loan consolidation programs. Their interest rate is called Prime Rate and what you will ultimately end up with in a contract will most likely be a little higher than this. You can find Prime Rate online to get a good idea of what you are looking at when you are looking into student debt consolidation loans. A good place to start is by approaching the bank that holds your checking account and asking them if they offer student loan consolidation. Then you might inquire about any discount they have for you being that you use their bank for your accounts.
There are companies that do specialize in consolidation of private student loans. These are companies that are in the business of making a profit so be very careful about any offers they may make. It is possible that they will have their best interests in mind rather than yours. That does not mean they will not have a good deal, it just means you need to be very prudent in your choices.
If the loans that you already have are federal then the consolidation needs to be a federal consolidation program. On the contrary, if your student loans are private funding then you will need private student loan consolidation programs. The interest rates at are currently being offered can be researched online by searching for 'student loan consolidation_ interest rates'. When you know what the going rates are then any offers for consolidation programs that come your way will be easy to spot as a good deal or not. Finding the best deal is your primarily goal so the offer with the lowest rate of interest with a reasonable time for repayment will be your best choice. If the loan is a low interest but will take an exorbitant amount of time to repay this is not a great deal.
You now know what the best deal will be for you so it is just a matter of shopping around and comparing the terms of the loans. Finding student loan consolidation programs at lower rates becomes just a matter of doing the research. It is possible to find the company who will offer a no cost consolidation for the student loans. There are many different types of free programs all offering different rates that will vary with the circumstances of each person who applies. Do not settle for any offer that is not less than what you are currently paying in interest. After all, this and a combined payment that is easier to manage is the whole point of the consolidation loan.

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Student Loan Consolidation Tips And Resources

Loan Consolidation Tips

Student loan consolidation can provide financial relief to graduates carrying multiple college loans. Graduates can consolidate both federal and private education loans to reduce interest rates and monthly payment amounts.
Most people use student loan consolidation to eliminate multiple payments. This can be particularly helpful for medical and law school graduates who often have six or more loans. Upon graduation, students must allocate funds to cover each installment as well as keep track of multiple payment dates. When post graduates submit late payments they are subjected to late fees and run the risk of damaging their credit rating.
There are several factors to consider when consolidating college tuition loans. It is a good idea to conduct research or work with a financial consultant to weigh the pros and cons of college loan consolidation. The Internet can be a good source for understanding the intricacies of consolidating loans, as well as to shop and compare lenders.
Students with both subsidized and unsubsidized loans will have different needs than graduates carrying one type of financing. Although subsidized and unsubsidized loans can be consolidated, lenders must consolidate the two using two separate loans in order to track payment transactions. However, borrowers will have one monthly payment and lenders contribute appropriate amounts to each account.
Graduates must meet lending criteria in order to consolidate federal student loans. Eligibility criteria involves having an adequate FICO score; paying three loan payments in full; being current on all loan payments; and waiting six months from the date of graduation before applying for a consolidation loan.
Post graduates with Sallie Mae financing must apply for consolidation loans through a conventional lender. At present, Sallie Mae is no longer participating in the federal loan consolidation program due to legislative cuts made by Congress.
Students with Sallie Mae education loans can obtain counseling with a repayment specialist to find out which refinancing options exist. Student loan payment program details are provided at SallieMae.com.
When borrowers consolidate education loans they must apply for a new loan to pay off outstanding student loans. Nearly all private and federal loans can be consolidated including: Perkins, Stafford, Direct, Guaranteed, and Health Professional.
The U.S. government offers a sponsored student loan consolidation program for graduates who obtained financing through Direct Loans. This program is a good choice for students with bad credit because applicants are not required to undergo credit checks. Program details are provided at LoanConsolidation.ed.gov.
Last, but not least, post graduates should research loan consolidation alternatives such as forbearance programs, tuition deferment, and student loan forgiveness. Debt forgiveness programs are available to graduates who hold degrees and obtain employment in public service fields such as education, medical and law. Loan consolidation alternatives are presented at CollegeScholarship.org.

The Solution To The Student Loan Repayment Mess?

ive Them More Loans

So in February, President Obama announces an important new education spending budget, and it was crowdpleaser for both poor students, as well as the better-off. Government grants for college education for the poor, the things they call Pell grants, receive a wonderful bump up. And middle-class homes which are sending their kids to university, get in a generous tax credit, some thing like $2500. What the president's spending budget did for student education loans was remarkable, also within the way it wholly ignored the clamor that's been building for how students require larger subsidized loan allowances. What? With each of the talk available of crushing student loan burdens, how students select to run away instead of face a lifetime of indentured servitude to a student loan bank and young fresh graduates looking at 40-year student loan repayment timelines, these families need to have access to bigger student education loans?
But do let's appear at it this way: the higher education money that the government is willing to subsidize, has remained practically frozen over more than 10 years. What you could expect to spend on a higher education education over four years back again then, was about $12,000 each year. Nowadays, that exact same school year will price, about $25,000. If you ever attend public school these days, it will set you back again $7000 a month - up from about $3000 back again then. But back again then as now, all you'll be able to borrow is some thing inside region of $4000 a year. So what do students do? There's nothing much they can do - save for dropping out. And that's when the entire student loan repayment mess chokes all of the life out of them - massive loans, and no degree to obtain a job with.
In America the complete student loan company has such a bad rap for lots of other factors too. To begin with, for every one of the rapacity with which Sallie Mae plus the others pursue all of the student loan repayment, curiosity in all, it isn't even their own money. It's constantly been the government that put up the money; the corporations just benefited from the curiosity. President Obama wonders why now, and is moving to cut out the middleman, and make loans directly. The government does handle about one over three of all student education loans by itself anyway. And then needless to say, America hates the awareness that the student loan firms charge that type of appear suspicious in the event you compare it to the Stafford loans. Sallie Mae for instance, puts out wholly private loans to higher education students that they charge 5% more for; they just produced just about $3 billion in curiosity last year. If the government were to raise the subsidized amount that students could borrow, there would be no marketplace for scalper loans like this. Do you see where this is obtaining?
The really reason that student loan repayments are such a trouble, is that the government doesn't make sufficient low curiosity loans by itself; this opens the markets to cutthroat lenders like Sallie Mae who charge so much, that they send students into irredeemable debt. If the government raised its subsidized loan limits, it wouldn't make students borrow more - it would just make them borrow the exact same, from a more reasonable source, the government. Appropriate now they're still borrowing that much anyway from individuals who want repayment within the form of a pound of flesh.

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Home Made Beauty Tips Photos

Home Made Beauty Tips

There are plenty of ingredients that you have at home and you can use to create your own beauty products.
Here is a collection of tips and tricks to make you naturally beautiful:
- Make a homemade beauty facial scrub from grapes. Mash a handful of grapes. Strain them to separate the pulp from the juice. Remove the skins and mash the pulp and juice with 1 tablespoon of almond flour.
- Make a homemade hair rinse. Use Aloe vera gel to thicken your hair. Massage it into your scalp then leave it for 15 minutes before rinsing.
- Make a homemade beauty facial mask with sugar and oil. Mix 1 tablespoon of sugar with a few drops of olive oil for a sweet facial exfoliant. This can be mixed in larger quantities for full body exfoliation.
- Make a homemade beauty facial mask with honey and bananas. Make sure the bananas are not overripe. Mash 2 teaspoons of ashed banana, 2 teaspoons of rolled oats, 1 teaspoon of milk and 1 teaspoon honey. After 10 minutes, massage it into your face. Allow it to sit for 5 more minutes and then rinse with warm water.
How do scrubs work? The scrub, when on, is a king of peel. The dead skin cells adhere to the slightly dried paste and are removed by the friction created when you gently massage it over your face. The result is a healthier looking and refreshed skin.
If your skin is dry and easily irritated, don’t wash more than once a day. You may risk stripping the skin of its natural oils. Dr. Franks recommends looking for non-irritating cleansing washes that are soap-free, moisturizers that are light, oil-free, and water-based to help maintain the skin’s natural barrier.
For a skin softening bath, add 1/4 cup honey to the water, and 1 teaspoon of lemon.
And more:
- Make a homemade beauty facial mask with apples or pears. Add the piece of fruit to one tablespoon of honey.
- Make a homemade moisturizing exfoliant. (do not use in your face) In an air-tight jar, mix together the sugar, the salts and the coffee granules (the concentration of the ingredientes is not important at this point, just experiment with different quantities) Add in the oil. Rub all over your skin in the shower, and then rinse off thoroughly. The mixture will naturally become quite oily. Next, pat the skin dry with a towel.Your skin will be soft and smooth.
- Make a homemade moisturizing whitening bath for your nails. Get a bowl with plenty of lemon juice as to cover your nais. Clean your nails, removing any polish you may have on. Dip your nails in the bowl, and keep them there for two minutes. Rinse your nails and apply hand lotion for best results.

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8 Honey Beauty Tips Photos

8 Honey Beauty Tips

According to the dictionary, honey is a sweet yellowish or brownish fluid produced by various bees from the nectar of flowers. Besides using honey as food, did you know that honey is one of the oldest and most effective beauty aids?
Honey contains waxes, sugars, and traces of minerals. It is a natural moisturizer, as well as an anti-irritant making it suitable for sensitive skin types. Honey can be found in many of the beauty products you find in your local drug store or favorite beauty supply store. Some of these products can be very expensive to purchase and many of these products can be made at home.
Try some of the following honey beauty tips below. Please be sure not to use honey on your skin if you are allergic to it!
1. Honey mask: Apply pure honey to your face and allow it to set until dry. This will take about 15 minutes. Once dry, rinse your face with warm water.
2. Body glow bath: To moisturize, smooth, and get an all over body glow, keep a jar of honey next to your bath. Apply honey on your skin and pat dry using both hands. While patting your skin, the honey will get sticky and gently pull up your skin. Rinse away the honey when you are done. The results will be great circulation and beautiful, glowing skin!
3. Honey bath: For sweet smelling and soft skin, add ¼ to ½ cup of honey to your bath water.
4. Honey scrub: Mix 1 teaspoon of honey with a little almond flour into the palm of your hand. Gently apply on your face for a facial scrub. Rinse your face with warm water to remove honey scrub.
5. Daily facial cleanser: Mix 1 teaspoon of honey with a little milk powder into the palm of your hand. Apply on your face to clean away dirt and makeup and then rinse with warm water.
6. Shiny Hair: To add some shine to your hair, mix 1 teaspoon of honey, a squeeze of fresh lemon, and 1 quart of warm water. Shampoo your hair as usual and then pour the honey mixture on your hair. Allow your hair to dry as normal. You do not have to rinse out the honey mixture.
7. Hair conditioner: For healthy hair and scalp, combine ½ cup of honey and 2 tablespoons of olive oil. Saturate your hair with the honey mixture, put on a shower cap and allow it to remain on hair for 30 minutes. After 30 minutes, shampoo and rinse your hair as you normally do.
8. Skin toner: To firm, smooth, and moisturize your skin, combine 1 peeled, cored apple with 1 tablespoon of honey in a blender. Pulse honey mixture until smooth. Gently apply honey mixture on face and allow it to remain for 15 minutes. Rinse your face with warm water to remove the honey mixture.
With the above beauty tips, you can create affordable spa-like products at home. Honey is a wonderful beauty product because it contains naturally occurring enzymes, vitamins, and minerals. Be sure your honey is all natural by purchasing only 100% pure honey to create your beauty products.

Beauty Tips From Celebrities Wallpapers

Beauty Tips From Celebrities

Celebrities are glamorous as they glide across the red carpet of every showbiz occasions. They always look the way they are ten years ago. They always find ways and means to be as attractive as they wanted to be, because their profession requires them to be. Celebrities are one of the few people who knew secrets of how to be glamorous.
According to celebrities it is not that hard to achieve beautiful, elegant and glamorous look. It is done with patience, a big motivation and discipline.
Celebrities have their own method of staying as good looking as they can. Some undergo the procedure of surgery. However this procedure is very expensive and painful. While others just do the skin care diet and skin care procedures that are considerably safe and effective.
Here are some that are considered safe and effective:
Drink lots of water - Water is very important to our body. This will keep our skin hydrated in order for it to be moisturized.
Use natural skin care products - Avoid using skin care products that has ingredients made from chemical elements. These harmful elements might be the one to add more problems on your skin.
Cleanse your skin when needed - Every time we do chores or just have been out of the house always clean your skin just by rubbing it gently with a wet soft towel. Through this, free radicals that are trying to destroy the skin are eliminated. Remember to use lukewarm water, because extremely cold and hot water will damage the skin.
Apply sunscreen - The ultra violet rays of the sun are one of the biggest factors that can contribute in skin damage. Try to apply sunscreen when going out of the house. This will protect your skin from the scorching heat of the sun.
Have a healthy diet - It is true that we are what we eat. It is best to have a healthy diet in order to achieve desired results in skin care. Eat foods that are rich in vitamins such as vitamin A, E, C, and K. These vitamins are a great aid in skin care.
Take the right amount of nap - Snoozing is one of the best activities. However, oversleeping may also lead to body and skin disorders.
Celebrity beauty tips are not that hard to do. It just needs discipline, motivation and patience to achieve and do all these. If one has all these three, it is not a dream to become as beautiful and glamorous like all the celebrities walking down the red carpet.

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