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

Student loans

Student loans are amounts given to students from banks and other financial institutions to meet the expenses incurred in completing education. With a consolidation loan, the students can perfrm the following activities:

1.    Receive an interest rate as low as 5.375%
2.    Reduce monthly payment by at least 40%
3.    Improves your credit scores
4.    Need no credit checks, co-signers or any fees
5.    Face no penalties for early repayment
6.    Take complete advantages of great borrower benefits
7.    Consolidation loan interest is highly Federal Income Tax deductible

The students should consolidate student loans because it allows them to bring multiple loans to one single unit and make repayment for that single loan. The interest rates are also significantly reduced; and the students can meet personal and educational expenses. A close consultation with the counselors helps the students to determine the right type of student loan. Find out more at Easy College Loans!

End Procrastination!

As a student, I was a bad procrastinator. I would leave my homework and reports until the last minute. Being blessed with good intelligence, I got away with doing this until my Junior year of College.
Most students dread writing assignments, putting them off to the last possible minute. Writing is one of the most important skills a student can develop. Click Here for some tips from great writers that can help you conquer the procrastination monster: 

Writing Skills

Good writing skills are a must for students as they progress throughout school. Too often, the public schools do a poor job of imparting the knowledge young people need to become good writers.
There is a wonderful new web site about Writing Skills called Good Writing.

Additionally, if a student would like some help learning how to study, I suggest that they check out
the site Studying made Easy

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THE SCHOLARSHIP AND GRANT GUIDE

 

If you are at this blog, I would imagine that you are at least moderately interested in finding out information on scholarships and grants. Let your fingers do the walking…that is an old phrase that was used to promote the use of the telephone and the phone book to help you track things down instead of driving all over town from shop to shop.  That was obviously also before the advent of the internet.  Even with the comparative lightening fast speed of the internet you can spend a great deal of time trying to track down information on scholarships and grants and still end up at a lot of dead ends.

 

The Scholarship and Grant Guide by Jerry Bohlken is your one stop shopping source for currently available scholarships and grants.  The research in this guide is ongoing and contains up-to-date information compiled from over 40 different scholarship databases.  And it is important to note here that these scholarships are not just for those students who had great test scores or class ranks.

 

One small fee provides you with lifetime privileges to this guide.  If you find just one scholarship, you will probably make your money back.  If you are a parent with more than one child, this guide could be worth its weight in gold.

 

To check out Jerry Bohlken’s Scholarship and Grant Guide
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Rude awakening

So, I consolidated my student loans awhile back to have the benefit of a lower monthly payment. Little did I realize that I as actually adding about $500 to my indebtedness, and I only owed about $10,000 to begin with!! I feel used and mis-led. Sallie Mae, the one who had my loans originally is now being investigated by the government for fraudulent practices. I feel that the government should investigate every company in the entire industry!