Most people are aware that money can easily be saved when they buy groceries through the use of coupons. Many are also aware that comparison shopping sites might help them save them significant cash as well. Some are even smart enough to get the lowest prices at thrift stores and consignment shops. Many, however, are unaware of the dollars they can save by obtaining scholarships for their education. This lack of knowledge can be quite costly in terms of the money spent to obtain a four year degree. Instead of ending up with extraordinary balances on credit cards and huge loan payments, those wishing to go to college should make use of the free financial help offered through the following sources:
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Leading a debt free student life can be tough. This is because, as a student, you are not simply required to pay importance to your studies, but also to the cost of completing your studies. In addition, you may also be required to deal with the student credit card problems. You will also have to start planning about getting a right job after completion of the studies. Or maybe, plan about getting enrolled into a new course. So, all of these together may end up stressing you out so much so that, you will get little energy to relate to your studies. Thus, it is extremely important for you to avoid the pitfalls of college student credit cards.
College, probably the best 4 years of your life, full of adventures, memories, and experiences of a lifetime. Living on campus and living the “college life” so to speak is an experience that everyone should have to go through. Learning how to live on your own is a skill that is necessary for entering the real world and going off to college is only the beginning of that adventure. This article will help to give college students some ideas on how to make money sitting on the couch watching their favorite baseball team play. We will focus one of the best online jobs for college
students that can help you pay some bills or add to your DVD collection. We’ll talk about Amazon Mechanical Turk and some of the ways you can make money easier there than most people realize online. One of the online jobs that seems to pay the most consistently is Amazon’s Mechanical Turk. Mechanical Turk was designed so people could do small tasks that companies need done. Some tasks include writing article summaries, Google searches, and just testing sites to see if they work. Mechanical Turk can be a very easy way to make some extra bucks. Buzz Marketing Group is looking for high school students to participate in a research study about choosing a college or university. If you are interested in participating please complete the following application. The application should take approximately 7 minutes. Compensation details will be disclosed if you are selected to participate. Thank you for your time and interest.
Regards, Buzz Marketing Group For more information about Buzz Marketing Group visit www.buzzmg.com To participate in a focus group or interview please fill out the application below. http://www.zoomerang.com/Survey/U2NDHRPDMSWX During your college years, your bed will be your sanctuary. There is nothing better after a long, difficult day than crawling into the world’s most comfortable bed. Your bed will be your safe haven, your nest, your study nook, and your lounging area. As such, it is vital that your bed be comfortable as well as decorated in a way that will match your personality. To get the perfect dorm bed, follow these suggestions: Types of Online Degree Programs that are Available to Military Personnel and Family Members4/25/2012 If you or a family member is looking to go to college, but are unsure about where to go to earn a degree, you need to start thinking about enrolling at an online college. Since you are in the military, you and your family lives on a military base, and you have to follow a strict military schedule. But on your off-duty days, you want to earn a degree so you’ll be ready for when you re-enter civilian life, if that’s your plan. Types of Degree Programs Offered Online colleges have come a long way from what they were in the past. Many people would rather earn their degree in a virtual setting than sitting in a classroom all day. You can earn their degree while still serving your country. All you have to do is find the right online military friendly college and enroll. Several types of degree programs you and your family can choose to enroll in include:
Flexible Courses Since you’ve decided that you want to go back to school and earn a degree, being in the military has its perks when you attend a college that is military friendly. Online colleges and universities allow you to complete your courses during your free time; all you have to do is submit your assignments on their assigned due dates. You don’t have to go to campus and sit through a lecture, since all the courses are held in a virtual setting. There are online colleges and universities that do offer on-campus classes that are near military bases, so if you decide you want to go to class, you can. Or, you can earn your degree in a 100% virtual setting. The choice is yours. Financial Aid Options for Military Families Military families often can receive military college scholarships because their loved one is serving in the Armed Forces. Service personnel also receive military scholarships if they decide to go to college. You can ask online colleges and universities if they are military friendly by asking them if they are a part of the Servicemembers Opportunities Colleges (SOC). Other financial aid options you can choose are grants, private student loans and Federal student loans. Also, the military often gives service personnel a college stipend after they serve in the military. Admissions into an Online College Enrolling in an online college has never been easier. All you need to do is call and talk to one of their admissions representatives or fill out an application on their website. There are multiple start dates, so you can choose one that best fits your schedule. Guest post by Stephanie. With interests in online learning at a military friendly college, she blogs regularly about different programs universities offer. Believe it or not, but there was once a time when students were able to get multiple credit cards whilst studying at university. The idea of issuing a credit card to someone without a regular income of his own may seem outlandish, but there was a certain rational behind it: Banks considered offering credit cards to students as a good long-term move, as they hoped to hook the student in as a potential future customer. Students, on the other hand, were naturally quite enamoured with the idea, as it allowed them to fund an agreeable lifestyle without having to worry about "trivial" things like paying the bills. In an ideal world, students would simply have paid off the debts raked up this way by getting a great job after college. But of course, things didn't quite work out that way. Instead, many of them remained unemployed, which left them in financial problems for decades. Today, partly due to the tough economic conditions and partly due to increasing debts that students have to pay, credit cards have become quite hard for a student to obtain. Prepaid cards: A first step towards consolidationThe introduction of prepaid credit cards specifically aimed at students was a first and important step intended to keep them spending too much money. The benefits of a prepaid credit card are numerous. Firstly, there are no longer any nasty surprises when a credit card bill comes in. After all, there can be no debt, because although called a prepaid credit card and despite offering almost all of of its benefits, it is actually more of a debit card. Strictly speaking, the bank isn't lending the student any money, so no credit card checks need to be made. Rather, the owner loads a particular amount into the card, which he or she can then spend at a retail store or when shopping online. This is ideal for students, as their credit score is kept intact and their parents can put money on the card to help them financially when they are away from home. Even more importantly, they can restrict this support to exactly the amount they would like them to have. Furthermore, a prepaid credit card teaches young people about money. While a credit card creates an illusion of a constantly replenishing source of cash, a prepaid card requires students to budget, as once the money has run out they are on their own. The student gets to use the card online to make purchases and doesn't have to risk taking large amounts of cash with them. The fees of a prepaid card: Not as bad as you may thinkAdmittedly, there is a small downside to a prepaid card as well: the fees associated with it. Because the bank isn't making any money on the credit they would normally charge for, they have to make up for it in fees. Some banks may charge for using the card abroad, some may charge money if you lose the prepaid credit card, others may charge an initial administration fee. However, one should never forget that credit cards are by no means equal, either, and that many holders of a regular credit card are actually switching to a different one when travelling. In this regard, a prepaid card is by no means worse than a credit card by default. A recurring fee also has the additional benefit of telling you precisely at the end of each month how much you're paying for your card – compared to a credit card, which may cause wildly fluctuating interest payments. And besides, these fees may are a small price to pay for students and their parents for knowing that they are not running up huge credit card bills. Regrettably, many students already start their lives heavily in debt now that they have to pay hefty tuition fees as well as living expenses. To add big credit card bills to the debt would be crippling and would take years to pay off. Another good thing about a prepaid credit card is that the card owner is able to check their balance at any point at a bank, post office or payment point. This gives great peace of mind to know exactly what is coming in and what is going out. Employers can also pay students straight onto the card without having to mess about with cheques. The golden days of multiple credit cards may be over. That may be a good thing: A prepaid credit card will provide a student with the benefits of a credit or debit card but no chance of getting into debt. This article was written in association with Tuxedo, a leader in the field of prepaid solutions. Gavin Wittaker has written about finance-related topics for the past ten years. His main ambition lies in explaining the impact of complex financial developments in layman's terms and describing how they may affect the public at large. To Gavin, there could hardly be more exciting topics than analysing payment options in the 21st century, digital commerce and foreign exchange – and yet, you may occasionally find him listening to the Black Keys or reading the latest novel by Stieg Larsson. The image is licensed from PhotoDune.net. Loans and their repayment has always been something that concerned the adults and the working professionals. It was never considered as something that the students would have to bother about. With the change in the economy students are aligning more towards higher education in a bid to secure higher paying jobs. But higher education is becoming more and more expensive and education loans are becoming inevitable. Thus, even before the student can begin earning, he/she is neck-deep in debt.
Debts, no matter incurred by whom, are best repaid. All they bring is harassment. So, whenever you plan on taking a loan, decide how you will repay it. The same goes for student loans. Defaults of student loan are more likely to occur than any other kind of loan as the students are young and do not realize the implications of a defaulted loan. The following are some of the reasons to show how an unpaid student loan can destroy the future financial condition of the students. * Inability to receive any further loans or credit cards * Wage garnishment * Interception of social security benefits * Income tax refunds may also be intercepted * Getting sued for an interminable period So, a default of student loan is the last thing that a fresh graduate student wants. Therefore, it is best to take some preventive measures before it is too late. * Keep the loan amount to a minimum * Begin the repayments as soon as possible * Go for a repayment plan that will suit your pocket and your expected salary Once you complete your graduation and secure a job, you should begin the repayments. In case, you change your residence, let the lender know so that you receive the bills on time. If you have any problem in paying the money back, then it is best to let the lending institution know. They all want their money back and they try to enable you, in any way that they can, to pay it back. There are several schemes and plans that you can consider to get out of a defaulted student loan. * Delinquency: If it is a federal loan, then you can apply for a delinquency period. It is a relief period of 9months or 270 days that the federal government allows you before you have to begin the payments. * Consolidation: if you have more than one outstanding loan, then you can go for loan consolidation. This will allow you to pay one consolidated installment each month instead of one for each loan. * Extension: If you do not earn much, then paying a huge amount of money towards your loan repayment is not an option for you. So, you can apply for extension. This will allow you to pay small amount of money for a longer period of time. Authors Bio The author, Jonathan James writes blogs and articles about student loans. Here he tells us how we can save ourselves from the consequences of defaulted student loans by planning early and paying on time. With college education becoming expensive, students are left with the sole choice of relying on educational loan to continue with their pursuit of higher education. However, in recent times, relying upon loans is also becoming a nightmare for students owing to the stiff economy and lack of employment in the country.
Defaulting on a student loan is never an inviting situation in the credit history of recent graduate. The reason is simple; it brings along multiple negative consequences that hurt personal and professional status badly alongside leading towards a financial crunch. However, what students or recent graduates must remember is the fact that a delinquent student loan can also hurt the personal, professional, or financial status of a recent graduate badly. Student loan Delinquency – Uncovering the Myths According to recent reports on delinquency, maximum student loan borrowers end up becoming a delinquent rather than a defaulter. Here, is a look at some of the common myths about a delinquent student loan that tends to become a belief among individuals - * Delinquency is less common and less serious than defaults Student loan delinquency is quite common among recent graduates. According to researches, the rate of delinquency is twice the number of defaulters. Delinquency like, defaults also hold several consequences like, trouble in receiving credits for future. * Students graduating from college are less likely to face delinquency Borrowers graduating from college though hold a less chance of becoming delinquent, experiences trouble in repaying the loan. According to recent reports, around 42 per cent of borrowers graduating from two-year public institutions are likely to face delinquency at least once during the first five years of repayment. The number tends to rise to 57 per cent at the for-profit institutions offering a 2-year degree course. Borrowers graduating from four-year private or public nonprofit institutions are also likely to become delinquent during the initial five years of repayment. * Students borrowing Maximum End up Becoming Delinquent Well, in reality students borrowing less amount hold a greater chance of becoming delinquent. The reasons owning to the repayment can be multiple like, not completing the degrees course and dropping out of college midway. Such situation hardly helps the individual get a good job and improve the financial status for repaying the loan amount. * Students taking up loans hold a good knowledge on repayment choices This is sadly, but the case. Most students borrowing loans hardly holds knowledge about repayments and the choices they have to make matters worse, most students fail to understand the difference between a defaulted and a delinquent student loan. Though, the federal government has introduced number of repayment options, students with existing student loans and recent graduates hardly have any knowledge about the same. A delinquent student loan can also get distressing like, a default. Students with existing loans must understand the fact and seek expert advice to save their credit history from such dents. Author’s BIO – Jonathan James aims to guide and make the students aware about the consequences of a delinquent student loan. In this article, he explores the myths that are usually attached to delinquency. |
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I'm Louida from Atlanta, Georgia and I'm a mother of two daughters, and a full-time blogger/influencer.
I love helping others learn how to start working from home online free to help supplement their current income. I also blog at Productreviewmom.com Subscribe to newsletter
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