If you are in college, then the word loan sounds quite lucrative. Isn’t it? These days the banks and other financial institutions are getting into a lot of action in the college loan segments. Just as it is beneficial for students in need of educational loan, similarly it affects them, when they fall under the false grip of college scams. But you need to identify the right institutions that provide you with authentic college loans.
Just when you complete your high school and move towards the threshold of college, your mailbox will be filled with all types of mails enticing you to take attractive college loans. Most of these institutions are fake and involved in college scams. These fraudulent offers might look highly attractive. But to ward off these offers and choose the right ones, you need to be a smart consumer. Do not opt for loans that promise you with no repayment in cash or kind, for it might be a type of college scams. Some of the institutions often tell that free loan is allowed because every year millions of money remains un-used. This fact is false as all real-loan-money institutions receive money from Federal Government or from individual colleges.
Here are some of the ways that you can detect the truth or falsity behind the college loan story. If the institutions promise money in return of money, it may be a college scams issue. Remember for these loans you just have to spend money for a postage stamp and nothing more. Sometimes the institutions might ask for upfront fees that will be arranged to look like prizes. They will just ask you to pay a certain amount as fee to get your prizes. Some college scams might even offer loans at very low interest than the usual interest rate charged by institutions. Remember education loans never require any upfront fee or will never offer loans at an interest rate than the usual interest rate of 8.5% [approx].
Wednesday, June 27, 2007
Monday, June 25, 2007
Diploma mills
With the growing trend of earning degrees online, there has also been a growing trend of fraudulent companies out to take your money. Before you look into psychology degree programs online, you have to know what you are getting to avoid purchasing one of the many fake degrees online.
Online psychology degree programs have jumped in popularity quite rapidly. The Internet is now readily available in most homes and at most jobs, people find that they can earn their degrees at their own pace and without leaving their current jobs. As the popularity continues to increase, more and more universities are starting to offer programs online. However, there has also been an increase in the number of “diploma mills” offering fake degrees online.
As with any other business, universities have to sustain a profit in order to keep up with their competition. You will find that the cost may vary greatly from school to school when you research psychology degree programs. Legitimate universities have found that offering online courses means that they have to pay less for infrastructural expenditures, and that they can reach a whole new student base around the world. “Diploma mills”, on the other hand, see it as an opportunity to get rich quick by offering fake degrees online. They may offer the fake degrees online at a lower cost, but to you it is just throwing your money away in exchange for a pretty piece of paper.
Emergency Cash Loans – Get Money as soon as Tomorrow. Apply Now!
Online psychology degree programs have jumped in popularity quite rapidly. The Internet is now readily available in most homes and at most jobs, people find that they can earn their degrees at their own pace and without leaving their current jobs. As the popularity continues to increase, more and more universities are starting to offer programs online. However, there has also been an increase in the number of “diploma mills” offering fake degrees online.
As with any other business, universities have to sustain a profit in order to keep up with their competition. You will find that the cost may vary greatly from school to school when you research psychology degree programs. Legitimate universities have found that offering online courses means that they have to pay less for infrastructural expenditures, and that they can reach a whole new student base around the world. “Diploma mills”, on the other hand, see it as an opportunity to get rich quick by offering fake degrees online. They may offer the fake degrees online at a lower cost, but to you it is just throwing your money away in exchange for a pretty piece of paper.
Emergency Cash Loans – Get Money as soon as Tomorrow. Apply Now!
Saturday, June 16, 2007
Loan programs for graduate students
Loan programs for graduate students can prove to be highly beneficial for the following factors:
• The sudents' can reduce monthly payment up to 60% or more
• The students' help in making loan payment that occur only once in a month
• The student can apply anytime and lock in a lower rate of interest for the life of the loan
• The student can reduce the rates of interests as much as an extra 1.5% through the assistance of benefit packages
• Applying for these loans are quite easy
• The student need not pay any extra fees, credit checks, origination or application charges associated with the application.
• The student can significantly reduce monthly payment burden, lower their debts to income ratio and highly improve on the credit status.
Another great advantage of enrolling in graduate consolidation loans program is extension of loan period from standard 10 years to 30 years depending on the amount of education loan of the student. Find out more at Easy College Loans
• The sudents' can reduce monthly payment up to 60% or more
• The students' help in making loan payment that occur only once in a month
• The student can apply anytime and lock in a lower rate of interest for the life of the loan
• The student can reduce the rates of interests as much as an extra 1.5% through the assistance of benefit packages
• Applying for these loans are quite easy
• The student need not pay any extra fees, credit checks, origination or application charges associated with the application.
• The student can significantly reduce monthly payment burden, lower their debts to income ratio and highly improve on the credit status.
Another great advantage of enrolling in graduate consolidation loans program is extension of loan period from standard 10 years to 30 years depending on the amount of education loan of the student. Find out more at Easy College Loans
Monday, June 11, 2007
Eligibility
Sometimes the students do not at all apply for college loan consolidation because they think they are not eligible for it. But the reality is up to 70% or more percentage of people who apply for some sort of financial aid are completely capable of receiving it. Since the application is free so the students can apply for loan to get maximum benefits that will meet their educational purpose.
Some of the factors that affect eligibility for college loan consolidation are timing, parent’s income and student’s income. Timing is very important and the primary factor to decide for the loan. Make sure that if you apply for financial aid an there is no money for college loan left in your account, and then you will not receive a loan. Usually the semester fees are taken during June 1st, but the loan applications close within January 1st. But at majority times, you will not be turned down due to lack of funds.
Students’ income and parent’s income are second and third most important factors for eligibility of college loan consolidation. When it comes to determining eligibility for college loans, the student’s income is weighted as far more important than parent’s income. While 35% of the student’s assets and 50% of their income; 5.65% of parent’s asset and 47% of their income, is needed to determine the loan. If the student wants to take a loan before the age of 24, then parent’s income is the most important factor to determine eligibility for college loan consolidation.
The factors required for attaining eligibility for college loan consolidation are-- check Easy College Loans for more info
Some of the factors that affect eligibility for college loan consolidation are timing, parent’s income and student’s income. Timing is very important and the primary factor to decide for the loan. Make sure that if you apply for financial aid an there is no money for college loan left in your account, and then you will not receive a loan. Usually the semester fees are taken during June 1st, but the loan applications close within January 1st. But at majority times, you will not be turned down due to lack of funds.
Students’ income and parent’s income are second and third most important factors for eligibility of college loan consolidation. When it comes to determining eligibility for college loans, the student’s income is weighted as far more important than parent’s income. While 35% of the student’s assets and 50% of their income; 5.65% of parent’s asset and 47% of their income, is needed to determine the loan. If the student wants to take a loan before the age of 24, then parent’s income is the most important factor to determine eligibility for college loan consolidation.
The factors required for attaining eligibility for college loan consolidation are-- check Easy College Loans for more info
Saturday, June 9, 2007
Game Tester Jobs
How Would You Like To Make $9-$100 an Hour Playing Video Games?
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There are usually no age requirements, although some companies require that you are at least 15 years old...
Make money having fun!
Friday, June 8, 2007
Student Loan Advisors
When a student is interested in taking a loan, it is very important for the candidate to experience a mandatory loan counseling sessions personally with loan counselors for entrance and exit counseling. It requires that it is very essential for every student to undergo online counseling about loan consolidations processes before taking a loan.
Loan consolidating means a situation where multiple loans will be brought together and united into one single loan. This will help in reducing the rate of interest that students are paying monthly and also reduce the loan amount to a significant extent, when the student ultimately has to repay.
Following benefits will prove the need for consulting college loan consolidator’s advices:
Read them at Easy College Loans
Loan consolidating means a situation where multiple loans will be brought together and united into one single loan. This will help in reducing the rate of interest that students are paying monthly and also reduce the loan amount to a significant extent, when the student ultimately has to repay.
Following benefits will prove the need for consulting college loan consolidator’s advices:
Read them at Easy College Loans
Monday, June 4, 2007
Federal consolidation loan
One of the main advantages of Federal consolidation loan is your payments can be primarily less and you can take a much longer time to repay it. Complementary to this, it might also allow you to pay a lower interest rate than you are paying on existing multiple loans.
You can get Federal Consolidation loan through two different ways:
• Direct Consolidation Loan – the student or parents can contact the Direct Loan Origination Center’s Consolidation Department to get consolidated loans
• FFEL Consolidation Loan – the students or parents can contact the consolidation department to obtain consolidation loan from the holder.
While Direct Consolidation loan is available from the US department of Education, FFEL Consolidation loan is available from participating lenders like banks, credit unions, loan associations. Find out more at Easy College Loans
You can get Federal Consolidation loan through two different ways:
• Direct Consolidation Loan – the student or parents can contact the Direct Loan Origination Center’s Consolidation Department to get consolidated loans
• FFEL Consolidation Loan – the students or parents can contact the consolidation department to obtain consolidation loan from the holder.
While Direct Consolidation loan is available from the US department of Education, FFEL Consolidation loan is available from participating lenders like banks, credit unions, loan associations. Find out more at Easy College Loans
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