Save money with your student I.D.

Just admit it, you’re jealous of children and senior citizens who get discounts on train rides and movie tickets, aren’t you? Well, you don’t have to be. Wherever you go to school and in any city across the United States, plenty of establishments will offer discounts if you show a school identification card. College tuition and living expenses take enough of a toll on you and your family’s pocketbook, so it’s only fair students get a discount on daily activities and nightlife entertainment. For discounts, here’s a list of places and things you should definitely use your student I.D. card for: Airports, train and bus stations Theaters and museums Events, such as concerts, art shows and carnivals Sports stadiums (for games or shows) Electronics Clothing Food Always ask if a company or store offers student discounts. You may be surprised how much you can save with that little plastic card. Some of the major companies that offer student discounts include: Amazon â€" Joining the Amazon Student program gives you free two-day shipping for six months with Amazon Prime shipping benefits. Students need a school email address to register. Ann Taylor LOFT â€" 15% off Ann Taylor â€" 20% off Banana Republic â€" 15% off Eddie Bauer â€" 15% off in-store items AMC Theaters Apple â€" 8% off Qdoba â€" $5 burrito meals for students Waffle House, Burger King and McDonald’s â€" 10% off A few bucks here, a few bucks there â€" it all adds up in the end. Start saving hundreds a year simply by using your student identification card. 5 Most Recent Student Loans Blog Posts: This entry passed through the Full-Text RSS service — if this is your content and you're reading it on someone else's site, please read the FAQ at fivefilters.org/content-only/faq.php#publishers. Five Filters recommends: Donate to Wikileaks.

Student Consolidation – Student Loan Consolidation Centers

A Student Loan Consolidation Center allows you to combine different types of federal student loans with various repayment schedules into a loan with one monthly repayment. - Student Consolidation It is best to search for loan consolidation centers which offer minimal rates. A student is qualified for a maximum of 1 per cent discount on the interest rate, if he has time to pay for thirty-six consecutive payments. While still attending school, students,federal direct loans are able to consolidate the consolidation of the federal program provided by the government. Most student consolidation loans fall into two categories. They are government and private student loans student loans. Student consolidation loan centers provide loans such as federal, Stafford, professional student loans, nursing student loans, etc. - Student Consolidation The government loan consolidation Center will be able to consolidate a student loan consolidation program, the students excellent education loans into a single new loan. This is not limited to a single lender. Even if multiple lenders hold the loans, you can still decide, should be consolidated. Two popular online student consolidation loan centers are Internet student loans from the center and U.S. student loan consolidation. Next student is another popular> Student Loan Consolidation removed. It provides student loan payments lower by up to 60% or more. Sallie Mae loan consolidation center offering Federal consolidation loans. Citibank Student Loan Corporation, which is federal and private loan consolidation. Wachovia Center is the consolidation loan to give the federal Stafford loans. Pupils must only consolidate loans which the variables or to change prices as the Stafford Loans. NeverConsolidation fixed-rate loans such as Perkins loans, since won? t be any financial benefits. The interest rates for its students, adults or already on the way to sixth month grace period will be higher. http://www.studentconsolidation.equitylinesite.com/2009/10/17/student-loan-consolidation-centers/ CONTENTS AT A GLANCE Watch: citibank student loans consolidation StudentLoans.PersonalFinanceAndInvestment.com citibank student loans consolidation Here are some others to try! citibank student loans consolidation: citibank student loans consolidation Twitter Search What are Twitter users saying about this citibank student loans consolidation? Share this site with others : Tags: Centers, Consolidation, Loan, Student, student loans consolidation This entry passed through the Full-Text RSS service — if this is your content and you're reading it on someone else's site, please read the FAQ at fivefilters.org/content-only/faq.php#publishers. Five Filters recommends: Donate to Wikileaks.

Low Repayment Student Loans: Pro-Student Cheap Loans

Article by Julia Russell Student community amid us is not precisely the identical what we all are. We all operate soon after funds while a pupil is meant for understanding gathering only. But, does it suggest that a pupil would not have any money difficulty? Indeed, he has acquired them, but there are methods for them to overcome these problems. Nonetheless, if a university student will take loans to combat his income dilemma, what exactly he has to locate in his loans is the reduced repayment. The following happens the issue no matter whether or not a low repayment is possible in circumstance of student loans. So, the response comes from the loan companies and it speaks that lower reimbursement is quite achievable in college student loans. Without a doubt, there are loans, the Lower reimbursement college student loans. Pupil local community also wants funds, largely to meet the study expenses considering that everyone does not have sufficient funds to meet up with all his expenditures. Therefore the very low repayment university student loans have arrive up to preserve them. The following, the loan company will bear all the expenses of your examine, like the hostel fees and food expenses as well as the expenses relevant to examine, study course content expenditures etc. The repayment becomes reduced ample when you go for the secured possibilities of reduced repayment college student loans. Secured student loans need collateral attachment from your part and this makes the prices of interest actual reduced which signifies low reimbursement college student loans. Also, there are unsecured college student loans wherever there is no collateral attachment and even now there is low reimbursement in these loans. Reduced repayment college student loans are very low in charges and the reimbursement is reduced mainly simply because of their attachment to the on-line platform. Online facility enables you to have the lower repayment university student loans following you make a few mouse clicks only. There are a huge amount of lenders flocked in the internet. So, it turns into effortless for you to locate out the finest and most cost-effective college student loans with reduced reimbursement composition. There are a amount of selections there. Table of Contents Watch: repaying student loans Repaying Student Loans in a Difficult Economy repaying student loans More repaying student loans: repaying student loans Twitter Search What are Twitter users saying about this repaying student loans? Share this site with others : Tags: Cheap, Loans, ProStudent, Repayment, Student This entry passed through the Full-Text RSS service — if this is your content and you're reading it on someone else's site, please read the FAQ at fivefilters.org/content-only/faq.php#publishers. Five Filters recommends: Donate to Wikileaks.

Countrywide Financial Is Bank of America Home Loans

Post by Sonal Kaur Financial institution of America is the leading worldwide fiscal solutions provider in the United States, by assets, and the 2nd largest bank by industry capitalization. It supplies its companies in places like insurance and finance, corporate banking, client banking, investment administration, expense banking, personal equity, international wealth conduite, credit cards and mortgages. It serves clientele in more than a hundred and fifty international locations and has a romantic relationship with ninety nine percent of the U.S. Fortune five hundred firms and eighty three p.c of the Fortune Worldwide 500. It was set up as Financial institution of Italy in 1904 by Amadeo Peter Giannini and his son in San Francisco. Bofa is the greatest lending bank in US and home loans are the most well-known. It ranges from property home loan mortgage to credit score cards, ATMs and other banking amenities. BOA on the web banking is the finest way of doing the banking transaction. You can do your On the web invoice payment, verify your 24 months transaction background, fund tranfer, inquire about certain transaction and great deal much more. On August 23, 2007 the organization introduced a $ two billion repurchase agreement for Countrywide Economic. Merrill Lynch was saved from personal bankruptcy when on September 14, 2008, Lender of The usa announced to purchase Merrill Lynch &amp Co. This acquisition built Bank of The us the most significant economic companies company in the planet. Lender of America generates 90% of its revenues in its domestic market and carries on to get businesses in the US. The core of Bank of America’s method is to be the number a single lender in its domestic market. It has attained this via key acquisitions. Countrywide Economic is Bank of The united states Home Loans. Gives mortgage loan banking and diversified fiscal services in domestic and global markets. It is a countrywide leader in residential finance. Financial institution of The usa House Loans, formerly Countrywide Monetary Corp., is 1 of the largest residential home loan loan companies in the U.S. The lender purchased Countrywide Monetary for $ four.3 billion in stock. It operates in residential genuine estate loans, refinancing, property equity loans and reverse mortgages.Countrywide is now identified as a symbol of slimy lending methods, blatant advertising and substantial-chance mortgages following the housing market crisis and subprime mortgage debacle. A property mortgage is less difficult to get here. Progressively, several of Countrywide’s loans soured, and the lender struggled to discover new sources of richesse. BofA has agreed to settlements with many states to resolve allegations that Countrywide put debtors in dangerous subprime loans. The division is persevering wi th to struggle by way of the fallout from the mortgage crisis. Also, Countrywide House Loans is one particular of the significant players on the stock exchange CONTENTS AT A GLANCE Watch: bank of america home loans Bank of America to Pay 5M to Settle Countrywide Case of Alleged Racial Bias bank of america home loans Here are some others to try! bank of america home loans: bank of america home loans on twitter What are Twitter users saying about this bank of america home loans? Share this site with others : Tags: America, Bank, Countrywide, Financial, Home, Loans This entry passed through the Full-Text RSS service — if this is your content and you're reading it on someone else's site, please read the FAQ at fivefilters.org/content-only/faq.php#publishers. Five Filters recommends: Donate to Wikileaks.

Stafford interest rates still in limbo

On Tuesday, the Senate voted on the future of Stafford Loan interest rates. The rates for subsidized loans are currently at 3.4%, but without action from the government, will jump to 6.8% come July 1, 2012. A majority of 60 votes were needed to pass the bill which would lower these rates, unfortunately, the votes were split 52/45. The issue between parties is not lower interest rates â€" most are in agreement that they should be lowered â€" it’s the how that’s keeping the bill from passing. The bill, written by the Democrats, attempts to close a tax loophole for high-salary workers in order to fund one more year of low-interest loans. However, the Republicans rather see this money come from elsewhere. With both parties locked in a stalemate, it’s unclear how this issue will be resolved, but to learn more about the bill, check out this recent article from The New York Times. 5 Most Recent Student Loans Blog Posts: This entry passed through the Full-Text RSS service — if this is your content and you're reading it on someone else's site, please read the FAQ at fivefilters.org/content-only/faq.php#publishers. Five Filters recommends: Donate to Wikileaks.

Skipping class costs how much!?

It’s 7:30 on a monday morning and your alarm clock goes off. You turn it off and roll over for 5 more minutes of sleep. When you finally roll out of bed and look at the clock, it’s 11:30 and you’ve missed your class. Not a big deal, right? As it turns out, skipping class might cost you more than you think. According to the recent infographic from StudentScholarshipSearch.com, skipping just one class is a waste of $20 if you attend a public college, or $50 if you’re at a private school. This may seem like it’s not a big deal, but wasted money can add up fast! If you’re paying for college with loans, you’ll be paying interest on that class’s cost too! Still not convinced you shouldn’t skip class? What if i told you that “those who wasted time in college are 3x more likely to be unemployed”? That got your attention, didn’t it? To find other ways skipping class can hurt you, check out the True Cost of Skipping Class infographic. 5 Most Recent Student Loans Blog Posts: This entry passed through the Full-Text RSS service — if this is your content and you're reading it on someone else's site, please read the FAQ at fivefilters.org/content-only/faq.php#publishers. Five Filters recommends: Donate to Wikileaks.

Should you borrow from your 401k to pay tuition?

This week, many student nationwide are rejoicing in their college decisions, having just sent their deposits to their chosen colleges. Simultaneously, parents everywhere are worrying about how to pay the upcoming tuition bill. If you’re one of these parents, you may be weighing the pros and cons of tapping your 401k for those funds. In this instance, it may be more beneficial to be a little selfish. Here’s what I mean… Tapping your 401k to pay for college tuition is usually not a good idea. Whether you’re thinking about withdrawing funds, or borrowing against your 401k or IRA, both options end up leaving you with less funds for retirement. Anytime you withdraw funds from your account, the money will be slapped with a hefty 10 percent penalty AND subject to taxes. If you’re looking for a deal, this really isn’t your best option.Borrowing against your account may be a wiser choice (if you have to). This is preferable because rather than getting hit with fees and taxes, you’re essentially borrowing from yourself at a low interest rate (usually about PRIME or LIBOR plus a couple points). Compared to student loan interest rates, this is not a bad deal. The downside of this option is that during the term of the loan, you’re not making interest on this money like you would have been otherwise. In fact, you’re paying interest. While using your retirement funds may at first seem like a g ood idea, you’re losing money in the long run. Most financial advisers will suggest keeping your retirement funds for retirement, though sometimes they can be used if you’re in a pinch. If you’re seriously considering if this is the right move for you, keep in mind the the pros and cons of tapping your retirement fund: Pros Convenient/quick way to get the funds you need If you borrow (not withdraw) you pay interest to your own account, not to a bank Borrowed funds are not taxed Comparable rates to other loan types Cons Fees and penalties for withdrawal Withdrawals may count as income and actually decrease a student’s eligibility for federal aid If you borrow from your 401k, any outstanding funds may need to be repaid to the account within 60 days of terminating employment at a company You’re depleting your nest egg Interest on student loans is tax deductible up to $2,500 unlike 401k loans Other Options If you are looking for other ways to help defray the cost of education for your child, there are still options besides retirement funds. Parent PLUS loans are federally funded loans that parents may take out on behalf of their student. In this case, the loan would be entirely in the name of the parent, but only requires a modest credit check. In addition, Wells Fargo offers a private loan for parents, similar to the PLUS loan. Parents would have the choice of fixed or variable rates and can borrow up to $25,000 per school year. You can also co-sign a private loan for your student. About 80% of loans that get approved do have a co-signer, and this will be a better deal for your child. Applying for a private loan with a co-signer increases approval chances, and could even lower the interest rate on the loan. 5 Most Recent Student Loans Blog Posts: This entry passed through the Full-Text RSS service — if this is your content and you're reading it on someone else's site, please read the FAQ at fivefilters.org/content-only/faq.php#publishers. Five Filters recommends: Donate to Wikileaks.