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Loan modifications, loan modifications.#Loan #modifications


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Frequently, assistive technology equipment, i.e., hearing aids, accessible vehicles, sensory aids, communication devices, and home modifications are extremely expensive. Most traditional lenders limit what specialty equipment they finance and the terms offered on such equipment. K-Loan knows how critical such equipment is and knows some equipment has longevity beyond a couple of years. That is why we offer longer terms to eligible borrowers on a case by case basis. Let us know how we can help you.

K-Loan is an Alternative Finance Program offered through Assistive Technology for Kansans (ATK), the statewide assistive technology program, coordinated by the University of Kansas. K-Loan was established and is directed by persons with disabilities. It is a consumer-run program designed to provide persons with disabilities and their families with access to financial resources toward acquiring assistive technology through education, saving and borrowing. The project is guided by an Executive Advisory Board composed of individuals with disabilities, family members and representatives from Kansas agencies.

Assistive Technology (AT) is any kind of device or tool that helps people learn, work, communicate and live more independently. AT can be very simple and inexpensive, like a modified knife and fork, or it can be very sophisticated and costly, like a computerized speech device.

Jeanette Graue is the Alternative Finance Manager for the financial empowerment program which is headquartered in the AT access site at 1714 Main in Parsons. In her role as the Regional Loan Coordinator for the Southeast Kansas AT area, Graue manages the loan applications and program data. Lou Ann Kibbee of Hays works as the North and Northwest Regional Loan Representative. Heather Jones works at Prairie Independent Living Resource Center, 17 South Main, Hutchinson, Kansas. She serves the South and Southwest area of the state as the K-Loan Regional Representative.

The low interest loans are designed to help individuals with chronic health problems or disabilities obtain a variety of equipment that can be used at home, school or on the job. Funds can be used to help with the purchase of assistive technology equipment ranging from hearing aids to mobility devices. Personnel can help identify alternate funding sources.

Applications can be downloaded on line by following this link. Once it is completed fax to 620-423-3505. To learn more about the K-LOAN program, contact K-Loan at 620-421-6554 in Parsons or call toll-free 1-866-465-2826. The number to reach staff in Hays is 1-800-316-8019. Hutchinson staff can be contacted by calling 1-888-715-6818.

Physical Disability Banking Survey

The World Institute on Disability and the National Council on Independent Living (NCIL) and Association of Programs for Rural Independent Living (APRIL) are conducting a brief 15 to 20 minute survey about access to and use of banking and financial institutions for people with physical disabilities. These responses will help guide future efforts to provide improved banking and financial institution products, services and programs to better reach the physical disability community.

Physical Disability Banking Survey:

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I Applied For An Online Payday Loan, payday loan online.#Payday #loan #online


I Applied For An Online Payday Loan. Here’s What Happened Next

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Payday lenders made about $49 billion in high-interest loans last year. More than a third of those loans were made online. I wondered what happens when you apply for such a loan, so I decided to find out.

In the course of reporting a story earlier this year, I logged on to a site called eTaxLoan.com and filled out an application.

I asked for $500 and, to be safe, I made up an address, a name (Mary) and a Social Security number. The site asked for more sensitive stuff — a bank account number and a routing number — and I made that up, too.

In spite of the made-up information, in less than a minute, I got a response.

“Congratulations. Tremont Lending has been selected as your lender and you have been pre-approved for a loan up to $750.”

If I wanted to borrow $750 for a week, I would have had to pay $225 in interest. The site said that was an annual percentage rate of more than 1,300 percent.

I did not agree to take the loan.

But within minutes, my phone rang (I had entered my real phone number). It was a guy from Tremont Lending, in South Dakota. I told him I was a reporter, that I didn’t really want a loan, and I figured that would be the end of it. But then, I started to get more calls.

“Hi, Mary. My name is Ethan, Ethan Foster, and I’m calling from InstaLoan. And this call is regarding the loan application which you put online. It has been successfully approved by our company as a personal loan.”

“This message is intended for Mary Kettler. Mary, the very second you receive this message, I need your urgent attention to return the call. My name is Tom Watson.”

For months, I got dozens of calls. Many of the callers had strong foreign accents. One caller, who said his name was Kevin, told me that Mary had been approved for a loan of up to $5,000 — 10 times what I initially asked for.

Kevin said he was from a company called Cash 4 You, which was unconnected to eTaxLoan.com. By this point, I was wholly confused. ETaxLoan had said it was a secure site, but now, many different companies had my application — and, presumably, my personal information.

It turns out there’s a huge online bidding process for such loans. ETaxLoan isn’t a lender at all, but something called a lead generator. It finds potential customers, then passes them on.

When I tried to contact eTaxLoan to learn more, I might as well have been looking for the holy grail. The company’s customer service line connected to a recording that said “due to an overwhelming response to great loans,” it could not take calls. The site lists an address in Delaware — but the company isn’t at that address. I spent days trying to find the company’s physical location, without success.

And when I tried to call back the people who had offered me loans, I couldn’t get through.

But eventually, I did find someone willing to talk about the business. Jack Murray heads Fix Media Group, in Virginia, which has a site called wefixmoney.com. Murray says his company — not unlike eTaxLoan — is really a marketing firm.

“We are a matching service, just like an Expedia is for a travel company or a Hotels.com is for a hotel company,” Murray says.

But instead of matching travelers with hotels, Murray matches those who need cash — and can’t get it elsewhere — with those willing to lend.

For that, he might get anywhere from $1 to $100 per lead. Murray draws a big distinction between his company and others in the business. He says he’s completely aboveboard and works only with partners he trusts.

“We have a pretty limited network of lenders, and we know what each of our lenders is looking for,” he says. “So whether it’s a certain state or other qualifications or characteristics of the customer, it will match the appropriate lender based on those things.”

Murray says neither he nor his lenders resells personal data, like the kind I submitted. But he says that others do, and that’s likely what happened in my case. It doesn’t take long online to discover there’s a whole network of people trying to buy and sell payday loan leads.

None of this surprises Benjamin Lawsky, the superintendent of financial services for New York state and one of many regulators trying to clamp down on payday lending.

“Once you made that application, you basically sent up a red flag with them that you are someone in need of this money, and you need it on a short-term basis,” he told me. “That’s when the vultures come out.”


Providers of Payday Loans – Car Title Loans in Texas, pink slip loans.#Pink #slip #loans


Approved Money Center is a Premier Payday Loan Provider

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Looking for a payday loan provider in Texas? You’ve come to the right place! Approved Money Center offers you solutions when financial emergencies and unforeseen expenses arise. We specialize in online and in-store payday loans making it more convenient than ever to get the quick cash you need.

We understand there are times when getting by until your next paycheck goes in the bank may not be as easy as it sounds. A car repair, an unplanned visit to the dentist, expenses associated with children; it’s part of life’s surprises. Getting an online payday loan with Approved Money Center can be what gets you through that momentary lapse of cash.

Getting a Payday Loan is Fast and Convenient

Our online payday loan application, approval, and funding process as good as it gets! It takes about 3 minutes to apply. and with just a little bit of information, we can have you on your way to getting your Texas online payday loan directly deposited into your bank account the next business day. Bridging the gap between paychecks can bring you peace of mind and keep you from incurring late fees and charges on your bills. We won’t run your credit or ask you any embarrassing questions!

If you prefer working with one of our customer service representatives in person, visit one of Approved money Center’s premier payday loan lending stores. With have over 30 locations to serve you and are happy to answer all of your questions. We believe in building lasting relationships with our customers by offering fast, fair and friendly service. As a Texas payday loan provider we abide by all rules and regulations set forth by the state. Approved Money Center is here for your quick cash needs!

Approved Money Center is Leading the way with Auto Title Loans

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Auto title loans are a great way to get the cash you need without having to hassle with banks or credit unions. Approved Money center makes the process fast and convenient by taking the equity in your car or truck and putting it to work for you. If you have a steady job and income, own your automobile outright, and can provide us with the “pink slip”, we can get you funded overnight without the hassle of a credit check.

Getting a Texas auto title loan doesn’t mean you have to give up your car; simply the equity it holds. You will still drive your car or truck as you always do. How does it work? We base your loan amount on the FMV (Fair Market Value) of your car. The higher the value the more you will be approved to borrow.

An Approved Money Center Auto Title Loan puts your car to work

You’ve invested in your car over the years why not put that investment to work for you when you need it most? Getting a Texas auto title loan is simple, fast and convenient. We don’t hassle with credit checks or tedious applications. It takes only a few minutes to get started by filling out our easy online application. All it takes is some basic information and we can get started on approving and funding your loan. We are Texas’ premier auto title loan lender offering some of the lowest rates around. Whatever it is you need cash for, Approved Money Center is here for you. Get started now and be on your way to solving your cash crisis!

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House loan, house loan.#House #loan


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You’re now ready to become a home owner. It may seem daunting but we’ll help you find the right mortgage.

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Looking to lower your interest rate? Or go on holiday? Or consolidate debt? Refinancing can help.

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Want a house that is 100% as you envisioned it? The right mortgage can help you build your dream home.

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Add some value to your home or finally start on that DIY renovation project you’ve been putting off.

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If you are a business owner or professional contractor then a low doc loan is your mortgage solution.

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Your criteria for a mortgage will differ from that of a retail home buyer. Draw on our expertise.

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Bought a new home but still waiting on sale of old one? A relocation / bridging loan will tide you over.

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*The comparison rate is calculated on a secured loan of $150,000 with a term of 25 years with monthly principal and interest payments. WARNING: This comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Important Information: Applications are subject to credit approval. Full terms and conditions will be included in our loan offer. Fees and charges are payable. Interest rates are subject to change. Offer does not apply to internal refinances and is not transferable between loans. As this advice has been prepared without considering your objectives, financial situation or needs, you should consider its appropriateness to your circumstances before acting on the advice.

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SBA Loan Rates – Current Interest Rates and How They Work, best loan rates.#Best #loan #rates


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SBA Loan Rates Current Interest Rates and How They Work

There are three primary types of SBA loans: SBA 7A Loans, SBA Express Loans, and CDC/504 Loans. SBA 7A loans and SBA Express loans can be used for a wide variety of purposes, including growth capital and refinancing. CDC/504 loans, on the other hand, are specifically for the purchase of fixed assets like real estate and heavy machinery.

November 2017 Maximum interest rates on SBA 7A Loans range from 6.5 % to 9 %. Full Table

November 2017 Maximum interest rates for the CDC portion of CDC/504 Loans currently range from 4.08% to 4.43% including fees. Full Table

Before reading further, make sure you are qualified. Though there are exceptions, and startups are sometimes eligible, there are five general requirements for getting an SBA loan:

  • In business at least 2 years
  • Personal credit score is 680+ (check your score for free here)
  • Seeking at least $30,000
  • At least $50,000 in revenues for the past 12 months
  • Business is profitable

Sound like you? We recommend applying with SmartBiz. They are the best company we have found at providing quick turnarounds on SBA loan approvals, and you can find out how much you qualify for in 5 minutes.

Current SBA (7A) Loan Interest Rates and Explanation

The Small Business Administration (SBA) sets the maximum interest rates that banks can charge on 7A loans. The current maximum interest rate ranges from 6.5% 9%, depending on the size of the loan and the amount being borrowed.

The maximum interest rates on SBA 7A loans are also based on market interest rates. As market interest rates change, so will the maximum interest rates on these loans.

Maximum Interest Rates on SBA 7A Loans for November 2017

Detailed SBA 7(a) Interest Rate Explanation* Please note SBA 7A Express loans carry a higher interest rate for similar size amounts and terms than the standard 7A loans above. We recommend avoiding SBA Express loans as firms like SmartBiz can provide approval for the standard 7A with similar turnaround times.

As the table above shows, the maximum interest rate on SBA 7(a) loans is based on three factors:

  1. A base rate (one of the following publicly available interest rate measures): Prime Rate, LIBOR (one month) + 3.0%, or SBA Peg Rate
  2. The term of the loan: Less than 7 years or greater than 7 years. For example, 3 and 5 year loans would all fall into the same category of under 7 years.
  3. The size of the loan: Under $25,000, $25,000 to $49,999, and over $50,000. For example, loans of $30,000 and $45,000 will fall under the same category.

As the table shows, loans longer than 7 years have a maximum interest rate which is half a percent higher than similar size loans that are for terms that are less than 7 years.

Loans for more than $50,000 have 1% lower maximum interest rates than loans between $25,000 and $49,999 when taken for similar terms. Similarly, loans for $25,000 to $49,999 have 1% lower maximum interest rates than loans for less than $25,000.

Fixed vs. Variable SBA Interest Rates

7A loans can have a fixed or variable interest rate. With a fixed rate loan, the loan interest rate remains constant throughout the life of the loan. With a variable rate loan, the loan’s interest rate can change (often referred to as a reset) at regular intervals, such as quarterly or monthly.

With variable rate SBA 7A loans, the rate is reset based on one of three publicly available market interest rate numbers, plus a fixed percentage. The interest rate must always be at or below the maximum interest rate set by the SBA. For smaller size SBA loans (for example those under $500,000), banks tend to offer only variable rate loans, with interest rates at or close to the maximum allowable by the SBA.

The Base Rate And Interest Rate Resets

Banks can choose one of three market interest rate measures as their base rate. These are the prime rate, LIBOR + 3.0%, or the SBA peg rate. While there are small differences between these rates, they tend to track each other very closely. The Prime Rate is the one that s most commonly used.

Rates as of November 1, 2017:

  • Prime Rate: 4.25% (source: WSJ)
  • LIBOR (one month) + 3.0%: 4.24% (source: Bankrate)
  • SBA PEG Rate: 2.625% (source: National Association of Government Guaranteed Lenders)

These rates can go up or down based on market conditions. Currently, they are at decade low levels. Over the last 10 years, the Prime Rate has been as high as 8.3%.

With a variable rate SBA 7A Loan, as market interest rates rise so will the rate on the loan. Let’s take the example of a 10-year loan for $50,000 with interest rates rising by 2%.

The maximum interest rate on the loan currently would be 7.75%, with a monthly payment of $600 per month. With a 2% rise in interest rates upon the interest rate reset, the rate would be 9.75%, with a monthly payment of $654 (this would be the monthly increase for a newly issued loan. If the loan was older, the increase in monthly payment would be lower).

Interest Rates Are Not The Only Costs To Borrowing Money: APR/APY

When taking a loan, there is often an origination fee. This fee supposedly covers the costs of the bank or financial institution of making the loan, including marketing costs. However, the origination fee is not directly based on costs and is arbitrarily set by the financial institution. An origination fee of 4% is not unusual. The fee is typically taken “off the top”. For example, a borrower taking a $50,000 SBA loan with a 4% origination fee would only receive $48,000.

SBA 7(a) loans also have a guarantee fee. Initially, the lender pays this fee to the SBA, but it s almost always passed on to the borrower at closing. Currently, the SBA has waived fees for loans under $150,000. Above that, the fee typically ranges from 3 % to 3.5 % of the guaranteed portion of the loan. The exact percentage depends on the size of the loan and the length of the loan. For example, if a borrower takes a $250,000 10-year 7a loan, the SBA may guarantee 75 % of that, or $187,500. 3 percent of that amount, or $5,625, is the guarantee fee that will be charged to the borrower. For more info, click here.

The true cost of borrowing money (interest rate + fees) is often called the APY (Annual Percentage Yield) or APR (Annual Percentage Rate). On a ten year SBA loan, the effect of fees can create an APR or APY that is around 1% higher than the loan’s interest rate. The shorter the loan the bigger the impact that fees will have on the APY/APR.

What size SBA loan could you qualify for? Apply with SmartBiz and get an estimate in minutes.

November 2017 SBA Loan Rates On Real CDC / 504 Loans

The Small Business Administration (SBA) sets the maximum interest that banks can charge on CDC/504 loans. The current maximum interest rate ranges from 3.83% to 4.56%, depending on the size of the loan and the amount being borrowed.

The maximum interest rates on CDC/504 loans are also based on market interest rates. As market interest rates change, so will the maximum interest rates on these loans.

While a 7A SBA Loan can be used to purchase real estate, a Real CDC / 504 Loan will tend to provide borrowers with tremendous interest rate savings. A CDC / 504 loan is composed of two loans:

  1. A loan from a financial institution (bank) for typically 50% of the price of the property, equipment, and building upgrades.
  2. A loan from a Certified Development Company (a non-profit) for 40% of the price.

The remaining 10 % is a down payment from the borrower. The interest rates on the bank portion of the loan are not set by the SBA. However, the interest rates on these loans tend to be very low, currently in the mid-single digits. Because the bank loan is senior to the CDC loan and the loan is backed by real-estate, there is a low risk that the bank will not be able to get back the money it loans. The low-risk is reflected in the low-interest rates.

The maximum interest rate on the CDC portion of the loan is set by the SBA.

If you re in the market for commercial real estate and will occupy at least 51% of the space, you may be a good candidate for an SBA 504 loan. We recommend working with Liberty SBF for SBA 504 loans. If you have credit score is above 680 (check here for free), you ve been in business 4+ years, are profitable, and need more than $1,000,000, speak with Liberty SBF today.

If you need a commercial real estate loan of $500,000 $5,000,000, another option is a 7(a) loan with a 25-year repayment term. If you have a credit score above 680 (check here for free), you ve been in business 3+ years, are profitable, and will occupy at least 51% of the space, get prequalified in minutes with SmartBiz.


International students, students loans.#Students #loans


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Entry requirements and how to apply

We welcome applicants from all educational backgrounds and we encourage those without traditional qualifications to apply. We will consider your knowledge and work experience alongside your qualifications.

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Find out about the help we offer to boost your study skills or improve your English before you start your course.

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As our teaching mainly takes place in the evening, many Birkbeck students work during the day. Find out about undertaking paid part-time work while studying in the UK.

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Find details of entry requirements and equivalencies for over 120 countries worldwide.

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Birkbeck is committed to doing everything we can to help you finance your studies. Find out about what is available, how to apply and the advice and support we provide.

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Boost your career

Discover how Birkbeck’s unique evening teaching, coupled with our comprehensive careers and employability services, can help you get ahead in a highly competitive job market.

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You will be taught by renowned academics and will gain a University of London degree.

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Birkbeck is London’s only specialist provider of evening higher education. With classes held 6pm-9pm, your days are free to study, work, volunteer, or just do your own thing.

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Find out everything you need to know about the type of visa you need to come and study at Birkbeck, how to apply, and our free advice and support services.

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Birkbeck and the EU

Birkbeck welcomes students, staff and visitors from across the European Union and further afield. Find out everything you need to know about Brexit and making an application to Birkbeck.

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Accommodation

Most of our students live in private accommodation, but we also offer student accommodation and access to the professional services of the University of London Housing Services.

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Life at Birkbeck

Birkbeck offers a unique combination of evening study and a matchless central London location, right in the geographic and academic centre of the city, giving you exceptional opportunities.

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Frequently asked questions (FAQS)

If you have a question you might find the answer here, among the questions we are most frequently asked.

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Contact us

We provide advice and support to all international students who want to study at Birkbeck. We can help you with choosing your course, applying to, and enrolling at, Birkbeck, and making a visa application, among other things.

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Meet us abroad

Find out if our international team, who visit countries throughout the year, will be in a city near you soon. We also run visa applications advice sessions.

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International partners

Birkbeck is proud to work in partnership with some of the world’s leading universities. Discover more about the institutions we are working with and how you could benefit.

WHAT’S IT LIKE TO STUDY IN LONDON?

Birkbeck students talk about their experiences of studying in the UK’s capital city.

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Birkbeck’s Master gives evidence to Lords Committee

Professor David Latchman appeared before Economic Affairs Committee to discuss the finances of the HE Sector

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Birkbeck flying high in Times Higher Education’s first Psychology rankings

Psychology at Birkbeck has been lauded in a new Times Higher Education subjects ranking, placing second in London and 68th in the world; plus grant success for Department of Psychological Sciences.

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Birkbeck welcomes four new Fellows to the College

The autumn graduation ceremonies will formally recognise new additions.


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  • Home – Student Loan Servicing Alliance, loan servicing software.#Loan #servicing #software


    loan servicing software

    Loan servicing software

    Welcome to the Student Loan Servicing Alliance website!

    The Student Loan Servicing Alliance (SLSA) is a non-profit, membership organization of student loan servicers and software providers in the Federal Family Education Loan Program (FFELP) and Federal Direct Loan Program (FDLP). SLSA has approximately 30 members, and together we service more than 90 percent of all outstanding student loans. Our members provide the full range of federal loan servicing operations, conversion from in-school status to repayment, customer service, payment processing, collections, and claims processing. Many of our servicers also service Private Education Loans.

    SLSA’s main focus is on operational and technical issues that impact customer service and program administration. We identify obstacles and opportunities within the loan programs that can benefit from our expertise and leadership, and we formulate solutions that achieve simplification and standardization. SLSA develops industry positions and promotes best practices, helping its members provide the highest level of quality customer service. We also work with other organizations to support the continuing enhancement and streamlining of the student loan programs.

    Parents, Students, Borrower Information

    Federal Student Loans are the number one source of post-secondary education financing in America. If you are a parent or student beginning your search for a student loan, it is important to know what type of Federal Student Aid your school offers. For loans, most schools offer the Federal Direct Loan Program (FDLP). In the Direct Loan Program, your loan funds come directly from the Federal Government and are serviced by one of several student loan servicers. If you borrowed a Federal Loan before 2010, your funds may have come as a Federal Stafford Loan from your choice of participating lenders in the Federal Family Education Loan Program (FFELP). If you have a Federal Student Loan, and you know who your servicer is, use our directory to find information about how to contact them.

    Private Education Loans (also known as supplemental or alternative student loans) are also used by some students and parents to pay for college. There are several types of Private Education Loan providers, including states, banks, credit unions, and other for-profit and not-for-profit lenders. Many SLSA members service Private Education Loans, as well as Federal Student Loans. If you have a Private Education Loan, and you know who your servicer is, use our directory to find information about how to contact them.


    Student Auto Loans – Auto Loans for Students, students loans.#Students #loans


    students loans

    Students loans

    Students loans

    Students loans

    Auto Loans for Students

    Tired of riding the bus? Sick of walking in the cold, rain and/or snow to class? Perhaps you just got a new job and need transportation to and from work. If you are a student looking for an easier way to get around, we can help you! We offer several affordable student car loan programs for buying and financing a new vehicle. We will assist you in making sure that your auto purchase experience is a stress free one!

    What kind of credit do I need to have in order to get approved for a college student auto loan?

    Having no credit is no issue. We can even get students approved for car financing if they have bad credit. In fact, the auto loans we provide are a great means of building credit! Your monthly payments are reported to all three major credit bureaus. A positive payment history will reflect a positive credit history!

    What kind of rates are associated with the student car loans you provide?

    Premier Auto Financing will work within our lender network to get you with the lowest rate possible for your student car loan. Students with no credit or bad credit are often looked at as a higher risk than a student with good credit. So if you fall into the bad/no credit category, you can expect to have a slightly higher rate. You can learn more about auto loan rates.

    Will I need a co-signer when I apply for a student car loan?

    The lenders we work with require no co-signers for up to $30,000, even if you have bad credit or no credit. As a student, applying for a loan of more than $15,000 is not practical, nor do we recommend it. However, a co-signer with decent credit can help you obtain a more favorable interest rate for your loan?

    Do I have to buy a car from a specific source when I apply for student financing with your company?

    The answer is no. You can use the student auto loans your receive for purchasing from a private seller or from a dealer. So, you can literally buy any make or model of new or used car you want!

    I have never applied for any type of loan before. Will someone be available to help me with the financing process?

    Absolutely! We have trained special finance professionals that are standing by to answer any questions that you may have about the student auto loan process we offer. You can contact us with any questions, comments or concerns at any time of your application process, before and after you submit your financing request.

    Premier Auto Financing takes pride in helping first time car buyers achieve their goals. We have assisted thousand of college students get in new cars and on the road!