Saturday, July 26, 2008
Wednesday, July 16, 2008
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The Truth About Scholarships & Financial Aid
The Truth About Scholarships & Financial Aid
By Melvin Le
The misconceptions about Scholarships and Financial Aid are endless. The most common is that it is: "Getting a scholarship is hard" people think that your chances are so slim, like 1 in a million. That is not the case at all. The truth is the more scholarships that you apply for the more you increase your chances of actually getting a scholarship.
The same principal goes for college grants as well. The difference is in the application process because with grants in some cases you need a co-signer. However the guidelines for college grants aren't as strict as those of scholarships. With scholarships you have to take a specific amount of courses and maintain a specific GPA. With student loans...forget about it lets just focus on getting scholarships and grants free money for college.
College Scholarships are Free
The first thing that should come to mind when you think about college scholarships is the word free.
You do not have to pay to apply for a college scholarship. When you see advertisements for a scholarship that is not
free that is a red flag and most likely a scam.
Applying for Scholarships Online
When you apply for scholarships online there are a few things to expect:
Combining Scholarships and Financial Aid
The title of this paragraph is self explanatory: "Yes you can Combine Scholarships and Financial Aid. Many people don't realize that you can combine financial aid: Scholarships, Grants and student loans can all be used in conjunction to pay for your College Tuition. Also you can use multiple sources of each for example: You can use more than 1 scholarship, grant or student loan - you can have as many of each that are needed to pay for your tuition.
Misconceptions of Scholarships & College Financial Aid
It is hard to find scholarships -False use a scholarship search Universities and Colleges are the only sources that provide scholarships You can only use scholarships from the school your are attending -False you can find other scholarships and grants from private organizations Student Loan Consolidation is the best option -False sometimes it can hurt your more than it can help you You can't apply for scholarships if you aren't currently enrolled in school -False you can always apply for scholarships Every scholarship requires an essay to be submitted -False some just require a standard application You can't get a student loan without a co-signer- False You can't get a student loan with bad credit -False
There are 2 free scholarship searches provided at scholarshipsupport.com. Also many people think that they are allowed to use one scholarship, you can use as many as you need to pay for college. As far as student loans go, student loan consolidation isn't always the best option. As said before focus on using scholarships and grants to pay for college; student loans should be a last resort.
Article Source: http://EzineArticles.com/?expert=Melvin_Le
http://EzineArticles.com/?The-Truth-About-Scholarships-and-Financial-Aid&id=1236513
Alternative Student Loans
Alternative Student Loans
By Steven Copper
Education is highly expensive in today's world. However that should not be the reason why higher qualification becomes a dream for many. Scholarships and grants do help but only a little. Still, to make ends meet, they do require student loans. The first option everyone opts for is federal aid. Though this is a good option, it still leaves a gap between the costs of education of money-at-hand. Alternative student loans have arrived just to bridge this gap.
These refer to private student loans that are provided by banks and other non-profit organizations. The main benefits of these loans are listed below:
1. Availability: Federal Aid is not keeping up with the rising cost of tuitions and fees. The appropriation made by the government for federal aids are not bridging the gap; private loans are a big helping hand in these situations. They help the students tide over financial crunches.
2. Flexibility: Alternative loans are highly flexible. In federal aid, there are lots of deadlines and conditions you have to comply with. There is lots of paperwork involved and that too has to be filed within a deadline. However, in private aid, you can get your money in your hands within as few as five business days after you have submitted your application.
3. Options: Private loans do not have a lot of paperwork involved. Scholarships and federal aids are shelled out only to the needy but the alternative loans are not based on needs. They are given to anyone who requests for the same.
The above points highlight the benefits of these loans and how they make college education an easy breeze.
Article Source: http://EzineArticles.com/?expert=Steven_Copper
http://EzineArticles.com/?Alternative-Student-Loans&id=1307773
Best Options For Bad Credit Student Loans
Best Options For Bad Credit Student Loans
By Yvonne Suzannah
If you have bad credit and want to obtain funds to go to a college or university, you can. There are several options available for you to get the funding you need to attend two and four year college and university programs. Of course, finding student loans with very good interest rates is a lot easier if you have good credit rating or credit scores, education funding for those who have bad credit rating is still possible.
The most popular student loan is known as the Stafford loan, available directly through the US Department of Education. Why is this type of federal education loan so popular? The answer is because it doesn't consider credit rating as a major factor to qualify for a loan. The Stafford loan assumes that most applicants going to college straight from a high school and hence would most likely not have a credit rating yet.
However, if you have defaulted a federal education loan before, then to qualify for the Stafford loan can be very difficult as they will start checking your credit rating very carefully.
Another good option for bad credit student loans is the Perkins loans, it's a subsidized federal education loan offered by the US Department of Education. The Perkins Loans carry a fixed interest rate of 5% for the duration of ten-year repayment period and a nine-month grace period, so you start the repayment in the tenth month upon graduating.
On the other hand, the Stafford loans are available both as subsidized and unsubsidized loans. The interest on subsidized Stafford loans is paid by the federal government while the student is in school, however, student will still have to pay off the principle or total amount of the loan after graduation. For unsubsidized Stafford loans, there is an interest and students are responsible to pay all the accrued interests while they are enrolled in school. The interest may vary and is determined on the date the loan was approved (it's roughly 4-5%).
For students with bad credit or poor credit rating, obtaining student loans through private lenders may not be a good option as they would often charge very high interest rates, have poor payment plans and high penalties. The best option for bad credit student loans is therefore the federal education loans as they are not based on your credit rating to qualify.
There are many interesting topics on student loans, our website offers comprehensive resources on Bad Credit Student Loans as well as other types of loans. You can also download our FREE report: Guide to Student Loans - Unraveling the maze of student loans.
Article Source: http://EzineArticles.com/?expert=Yvonne_Suzannah
http://EzineArticles.com/?Best-Options-For-Bad-Credit-Student-Loans&id=1307766
Get Student Loans Regardless of Credit
Get Student Loans Regardless of Credit
By Gerd Cornelius Pacher
Poor credit can stand in the way of success. Success today is dependent on the ability to make a living; and the ability to earn a living is dependent on education. Once credit fall below the good rating, it is easy to feel stuck.
Fortunately, education, the vehicle that has transported many people to success, is still available without a credit check. Of course, not all student loans will be awarded without a credit check but several of the federal student loans and private student loans are awarded based on economic need.
One of the federal student loans available that does not consider credit history is the Perkins Loan. In order to meet the qualifications for this loan, an applicant must be: (1) Economically needy; (2) Registered for the selective service; (3) Enrolled at least half time and making satisfactory academic progress; (4) A citizen or permanent U.S. citizen, and (5) Not in default for any other federal student loan. Loan amounts range from $1000 to $4000 per year with a lifetime maximum of $20,000. Perkins loans carry the lowest interest rates of all the federal student loans.
The Stafford loan is another federal loan offered without regard to credit history. It carries a higher interest rate. The same eligibility requirements apply to the Stafford loan. Unlike the Perkins loan, which is awarded for the length of the academic program, Stafford loans require a new application each year. Therefore if you apply for a Stafford loan each year, by the end of the undergraduate degree, there could be as many as four loans to repay. (This is usually when students consolidate their loans.)
In addition to the federal loans, there are a number of private loans available that make awards based on need rather than credit standing. One such loan is the Loan for Disadvantaged Students that is administered through the Department of Health and Human Services. These loans are usually for students in the health and social services disciplines and can be applied for directly at the school.
With a little research other low interest loans based on economic need rather than credit history can be found. Success doesn't need to be hampered by a poor credit history.
How to get poor credit student loans. Learn all about ACS student loans at http://www.acs-studentloans.net/
Article Source: http://EzineArticles.com/?expert=Gerd_Cornelius_Pacher
http://EzineArticles.com/?Get-Student-Loans-Regardless-of-Credit&id=1287014
Student Loans, Building Equity and Good Debt
Student Loans, Building Equity and Good Debt
By Kenneth Sumerford
College students around the country are hard pressed to find the funds to pay for books, tuition, housing, food and (let's be honest) beer. And when the joy of finals and late-night partying are over, the debt accumulated due to college expenses remains. Many students use student loans to pay for those expenses. However, student loans differ from other types of debt and can be advantageous for students.
Federal loans are beneficial for students because they require no payments until your enrollment drops below half-time status or you graduate. At that point, you are given a six month grace period until you must begin repaying your loans. Federal loans can be either subsidized or unsubsidized.
Subsidized federal loans do not charge interest; the government pays the interest on those loans. Unsubsidized loans, on the other hand, accrue interest that must be repaid by the borrower. Financial need status determines whether you qualify for a subsidized or unsubsidized loan.
Private student loans are another type of loan available for college attendees. The primary advantage of a private student loan is the limit is, typically, much higher. Plus, restrictions on expenditures are much more liberal so students can use the funds to pay for almost any expense they may incur.
Student loans are a great way to help you pay for higher education. You may consider borrowing money to receive a degree a form of good debt because, in theory, your degree will enable you to become more successful than you could be without it. However, if you accrue too much student debt, you will make your entry into the "real world" a painful transition. Borrowing what you need instead of an excessive amount will help you be debt free much sooner.
A student loan can be a type of good debt. In general, good debt helps you build equity or value. Remember that assets minus liabilities equal equity (or net worth.) For example, you expect that your college degree (B.S. or graduate) will enable you to earn $20,000 more a year for the next 20 years. (For this example, we are working in real dollars and not inflated dollars.) So your new degree and knowledge should earn you an additional $400,000 in the 20 years after graduation. If your costs are $60,000 then it seems like a good investment. If you go 4 years and miss income of $25,000 per year then that is a further cost of $100,000 for a total cost of $160,000. Even if you borrow most of the total amount at low interest it still would be a good use of debt.
When considering whether a student loan is a type of good debt, also consider job markets. For example, a master's degree may secure you a job while a bachelor's degree might have much fewer job openings. And holding a job may require an advanced degree. But you still need to calculate the total cost including: tuition and books; loss of income while studying; and strain on relationships.
If you take a student loan and forego income while in college or at a university, then managing other debts is vital. What are the cash outflows from such debts as credit card payments, house payments and car loans? Be sure and borrow enough money. And you need to manage all of these debt payments. For example, a student loan of $50,000 at 5 percent interest over 4 years will amount to a total of about $60,800. Try to get a payback period long enough to make the payments after graduation something you can sustain.
Kenneth Sumerford is a writer and small business owner who has a MBA in business and economics from Missouri State University. During the last 35 years, he has obtained extensive knowledge in the fields of finance, computer science and marketing. To learn more about debt consolidation, credit card debt relief and debt reduction options visit http://www.DedicatedToDebtRelief.com
Copyright © 2008 by Kenneth S. Sumerford
Article Source: http://EzineArticles.com/?expert=Kenneth_Sumerford
http://EzineArticles.com/?Student-Loans,-Building-Equity-and-Good-Debt&id=1309655
What You Should Know About ACS Student Loans
What You Should Know About ACS Student Loans
By Marjorie Salada
Student loans are almost a normal part of paying for college. An ACS student loan is just one of the many types of student loans that have become available to individuals seeking a college education. When you are looking for education financing, your first option should be free money, such as; grants and scholarships, but in most cases these methods of paying for college will not cover the full cost of you education. It is then that you will have to research student loans.
An ACS student loan is a school loan that is administered by Affiliated Computer Services, Inc., an organization that is recognized for outsourcing business and technology solutions. Many universities choose to use ACS student loans because of their ease of use. These loans offer the latest in technology, such as; being able to view your account, make payments, receive email notifications and change personal information by going online.
ACS student loans are more about the way the loan is administered than what type of loan it is. Some of the following are part of the ACS student loan family:
* Campus Based Student Loan Program (CBSL), which includes the Federal Perkins Loans, Nursing Student Loans (NSL).
* Federal Family Education Loan Program (FFEL), which includes the Stafford Loans (GSL)
* PLUS Loans
* Some loans sponsored by private companies
* Consolidation of direct student loans
So as you can see, there are a lot of choices when it comes applying for an ACS student loan. To get started you will have to fill out the FASFA and the rest can be done from the ACS website. If you have student loans that need consolidated, that can also be done through the ACS website.
If your ACS student loan is also a government loan you will also have the normal benefits that go along with federal loans:
* Deferred payments
* Deferred interest in some cases
* A low fixed interest rate
* Tax deductible
ACS student loans are among the most popular loans for education and it is easy to see why. They offer ease of management, variety of loan types and all the benefits of government loans. They offer everything you need in a student loan.
If you are getting ready to go to college or have a child that is in school, you will no doubt be researching student loans at sometime in the future. ACS student loans should be high on your list of funding choices, somewhere behind grants and scholarships.
ACS student loans can help you get the education that will help provide you with a stable future. Find out more about student loans and how you can get free money for college.
Article Source: http://EzineArticles.com/?expert=Marjorie_Salada
http://EzineArticles.com/?What-You-Should-Know-About-ACS-Student-Loans&id=1316591
