Best Consolidation Companies

See reviews of the best private student loan consolidation companies for 2015!

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SmarterBucks Review

I’ve just recently found out about a creative new online rewards program called SmarterBucks. It’s designed to help you pay down your student loans when you spend money on many of the things you already do. You may have seen a few other programs like it, this one is actually affiliated with SimpleTuition, a well-known student loan company which has maintained an A+ rating and accreditation with the Better Business Bureau since 2006. Both SmarterBucks and their partner company SmarterBank have been featured in the New York Times, Wall Street Journal, U.S. News and American Banker, as well as several other places. […]

By |January 29th, 2013|Applying for Loans|0 Comments

Finding Student Loans

Researching student loan options should be next on your list after applying to undergraduate or graduate school. If you already know you will need financing of some kind for your degree – and in this day and age it's rare not to need it – take the time to find resources that can offer the best economic program for your life. […]

By |January 24th, 2013|Applying for Loans|0 Comments

Grad Plus Loan Eligibility

Just about anybody who is enrolled (or plans to be enrolled) in a graduate or professional degree program can be eligible for a Graduate Plus Loan. A Grad Plus Loan is federally funded, and designed to “fill the gaps” between a student’s other financial aid and what remains for their tuition and school-related expenses, like room and board. The amount able to be borrowed depends on what is left over after these other loan options are maximized. […]

By |December 20th, 2012|Applying for Loans|0 Comments

Grad School Funding

Graduate and professional students often graduate with far more debt than undergraduate students. However, there are a variety of financial aid options to help fund your advanced degree. The specifics vary according to the type of degree you are seeking. The two main options are student loans (which must be repaid, with interest) and scholarships. With borrowed money, maximum interest rates are regulated for all federally-guaranteed loans. Many lenders choose to lower the interest rates to attract borrowers, and federal education loans tend to offer lower interest rates and more flexible payback plans than regular consumer loans. […]

By |November 29th, 2012|Applying for Loans|0 Comments

Who Needs Student Loans?

Who needs student loans? Conventional wisdom says anybody who needs money for school! Simple question, simple answer. But there are slightly different scenarios for needing the money from a student loan program to pay for school. Generally speaking, people who need a student loan are those who want to make an investment in themselves and their future, and have decided that it’s worth going into debt in order to have some financial payback and security farther down the road in his or her life. […]

By |November 8th, 2012|Applying for Loans|0 Comments

Student Loan ROI Calculator

This simple student loan ROI calculator is a tool for people looking to understand if going to school is the right financial decision. The calculation is pretty straightforward and shows the net present value (value of all future earnings in today's dollars) comparing if you go to school or not. […]

By |November 6th, 2012|Applying for Loans|0 Comments

Average Student Loan Debt 2012

According to a report released by the Institute for College Access and Success on Thursday, October 18th, 2012, Average Student Loan Debt 2012 (students graduating in 2011) topped $26,000. This number is about $1,000 more than the average student loan debt calculated for 2010, and represents an increase of 5 percent. This increase percentage has been the norm in recent years due to the U.S. Economy fallout since around 2008. […]

By |November 1st, 2012|Applying for Loans|0 Comments

Whats the difference between a Federal Direct and Perkins Loan?

Federal student loans are available for college students through the U.S. Department of Education. There are two types of federal student loan programs. The William D. Ford Federal Direct Loan Program  is the largest federal student loan program. The U.S. Department of Education is the lender. There are four types of Direct Loans. Direct Subsidized Loans are offered to undergraduate students who can demonstrate financial need. Students may borrow between $3,500 and $5,500 depending on their year in school. […]

By |October 25th, 2012|Applying for Loans|0 Comments

How To Compare Private Student Loans

With the high cost of education, some parents and students find it necessary to apply for loans to fund a college education. Federal student loans and private student loans are two options available. Private student loans can help cover expenses not covered by other financial aid. Some students use private loans to pay for summer courses when their school does not apply Federal aid to summer programs. Additionally, students use private loans to pay for extra living expenses while in college. […]

By |October 23rd, 2012|Applying for Loans|0 Comments

Student Loan Application Help

Attending university or college can be very costly. Expenses like tuition, books and living are hard to cope with if you do not have financial assistance. Therefore, you need financial help to take care of them all.  As much as there may be grants and scholarships for some students, not every one of these students actually qualify for the grants and scholarships.  Moreover, these grants may not cover all the cost. This therefore calls for another financial option to be considered to help cover these costs and the most viable option is the student loan. Unlike grants student loans are to be repaid after completion of your study. […]

By |September 8th, 2012|Applying for Loans|0 Comments