Debt Consolidation

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Debt Consolidation - All The Information You Need On Debt Consolidation

Private Student Loans - Dispelling The Myths


Debt Consolidation


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Private Student Loans - dispelling the myths

If savings, grants, scholarships, and federal loans don't cover the cost of your education, it's time to turn to private loans. But young college students can't qualify for a private loan, can they? Wrong! This article addresses this and other myths about student loans that you may run into.

I don't have any collateral, so I can't get a private loan.

Private loans are usually unsecured, which means no collateral is required. On the downside, this may also mean a higher interest rate.

I don't have a good credit history (or no credit history at all)

Since the government doesn't back private loans, your credit history is a consideration in being approved for a loan. If your credit history is bad or non-existent, you may be subject to a higher interest rate. And remember, you can always get a co-signer. Pay your loan off on time, and soon you will have a good credit history!

I have enough funds for tuition and fees, so I can't get a private loan

In addition to paying tuition and fees, funds from private loans can be used to cover living expenses, supplies, computers, and other everyday living needs.

I can't afford to make payments on a loan while I am still in school

For most loans, your principal and interest payments can be deferred while you are enrolled in school. Another option is to make interest payments while you are in school but defer paying off the principal. Your interest payments might even be tax-deductible!

I missed the deadline for applying for financial aid this year

You can apply for private student loans any time - there is no deadline. Depending on the financial institution you choose, you can be pre-approved in minutes and have the money (which will be sent directly to you) within a matter of days.

I don't have a bank to apply through

Private loans are offered by thousands of banks, credit unions, and other financial institutions. Just search the internet for "private student loans" and you will find many places to apply to.

If you need the additional funds provided by private loans, don't let myths and misconceptions keep you from applying!

This article is distributed by NextStudent. At NextStudent, we believe that getting an education is the best investment you can make, and we're dedicated to helping you pursue your education dreams by making college funding as easy as possible. We invite you to learn more about Private Student Loans at http://www.NextStudent.com .

My goal is to help every student succeed - education is one of hte most important things a person can have, so I have made it my personal mission to help every student pay for their education. Aside from that, I am just a pretty average girl from SD.







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Exploring Your Options For A Consolidation Loan Uk

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Whether you're wanting to consolidate your debt to avoid bankruptcy, reduce the number of monthly bills that you have, or combine loans to get a lower interest rate, you might want to consider applying for a consolidation loan UK.These loans are designed to combine several credit lines or debts into a single payment, issuing a loan for either a portion or all of the debts in question and leaving you wi...(related: Debt Consolidation)


Reducing Debt Through Lower Interest Loans

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It happens to the majority of us, credit card debt accumulates and before we quite realize it, we are carrying a debt load that is far beyond our means. When this happens, we need to take immediate positive steps to knock down the debt as quickly as possible. One of the most efficient ways to do this is to reduce the amount of interest we pay by shopping around for a better rate and having our balances transferred over. By doing this, we pay more towards the principal, thereby reducing the duration of the loan and saving ourselves potentially thousands of dollars ...(related: Debt Consolidation)


Does Working With A Credit Counseling Organization Hurt Your Credit Score?

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Credit counseling organizations do not lower your credit score when you approach them for assistanc...(related: Debt Consolidation)


Avoid Bankruptcy

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The first but definitely not the easiest thought that comes to most people when they are neck-deep in debt is to file bankruptcy. Filing bankruptcy seems to be the last straw left in the deluge of unpaid bills and abusive creditor calls. The situation is somewhat like this. You buy whatever catches your fancy and you thank yourself you had the blessed credit cards. It's good as long as you are spending.When it's paytime, you realize your misdoing. Abusive creditor calls may be robbing you of your sleep. Things may go so wrong that being repentant also does not help. What do you do? File bankruptcy. Stop. There are better and realistic ways of fighting debts. Avoid bankruptcy by all means. There have been millions who have file...(related: Debt Consolidation)


What You Need To Know About Debt Consolidation

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Debt consolidation is often a last resort for people who are in extreme debt and trying to avoid bankruptcy. Many people who are not in danger of bankruptcy, but have debt on high interest credit cards may also choose to consolidate their debt. Debt consolidation is defined as the process of organizing loans and debts into one low-interest loan that can be paid off regularly. Consolidating debt can help someone avoid bankruptcy, and help them manage their money more wisely. Debt consolidation is also convenient because it becomes easier to keep track of debt and one is only required to pay off one loan rather than several debts. In order to ...(related: Debt Consolidation)




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Debt Consolidation: How It Works

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As long as consumerism flourishes most of us will be tempted to overspend thus creating a financial bind. While some people do manage to get themselves out of debt others, for a number of reasons, including job loss, divorce or hospitalization cannot. In these instances bankruptcy may seem the only way out, but for homeowners there are other options. Debt consolidation is one such option.How does debt consolidation work?...(related: Debt Consolidation)

What Is The Difference Between Unsecured And Secured Debt?

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A secured debt is a debt in which the creditor maintains a security interest in an item or piece of personal property such as a house or an automobile. With secured debts, if you fall behind on payments, the lender can repossess the property that originally secured the debt. An additional drawback to secured debt is the fact that you may remain liable for the deficiency balance owing on the debt after your property has been repossessed and sold.However, the l...(related: Debt Consolidation)

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No-Cost Student Loan ConsolidationA no-cost student loan consolidation - doesn't that just sound too good to be true? Think about it. You have just accrued thousands of dollars in debt through student loans after 4 years of college, or possibly even more. Then, a company offers to take all of your loans off of your hands, put them into one central loan, and do it all for free! Well, while it might not be too good to be true, it all depends around your particular situation, which could make t...(related: Debt Consolidation)

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