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Student Loans in Chapter 13 Bankruptcy, bankruptcy auto loans.#Bankruptcy #auto #loans

Student Loans in Chapter 13 Bankruptcy

Except in rare circumstances, student loans cannot be discharged in bankruptcy. But if you are struggling to make your student loan payments, filing for Chapter 13 bankruptcy can allow you to delay or reduce your monthly obligations. Read on to learn more about how Chapter 13 bankruptcy can help you manage your student loan debt.

Your bankruptcy discharge does not wipe out certain types of debt. These are referred to as nondischargeable debts. Unfortunately, student loans are one of them.

Generally, the only way to discharge student loans through bankruptcy is to prove that paying them back is an undue hardship for you. This is extremely difficult to prove and is usually only granted in rare circumstances (such as severe disability). As a result, in almost all cases, you will still be required to pay back your student loans after receiving a bankruptcy discharge.

(To learn more about the undue hardship test for student loans in bankruptcy, see Student Loan Debt in Bankruptcy.)

Student Loans Are Treated As Nonpriority Unsecured Debts in Chapter 13 Bankruptcy

In Chapter 13 bankruptcy, student loans are treated as nonpriority unsecured debts just like credit cards and medical bills. This means that you are not required to pay them off in full through your Chapter 13 repayment plan. Student loans receive a pro-rata share of the total amount paid to unsecured creditors in your plan (this amount depends on your income and expenses). As a result, Chapter 13 bankruptcy can help delay or reduce your monthly student loan obligations during the life of your bankruptcy (discussed below). However, once your Chapter 13 bankruptcy is over, you must continue to pay your student loans.

Under certain circumstances, you may also be able to continue making student loan payments outside of bankruptcy. However, whether you can do this depends on where you live. Most jurisdictions do not allow debtors to pay student loans outside of bankruptcy because they believe it unfairly discriminates against other unsecured creditors by reducing the amount they get paid through the bankruptcy.

How Chapter 13 Bankruptcy Can Help You Manage Your Student Loan Obligations

Even though student loans are not dischargeable in bankruptcy, filing for Chapter 13 can help you delay and manage your monthly obligations. The following are some of the ways Chapter 13 bankruptcy can help you.

The Automatic Stay Prohibits Student Loan Collection

When you file for Chapter 13 bankruptcy, an automatic stay goes into effect that prohibits almost all creditors (including student loan lenders) from trying to collect their debts. This means that Chapter 13 bankruptcy can stop your student loan company from harassing you during your bankruptcy (which can last as long as five years). (Learn more about bankruptcy’s automatic stay.)

Chapter 13 Bankruptcy Can Delay Student Loan Payments

Since you are protected by the automatic stay, you do not have to make regular student loan payments during Chapter 13 bankruptcy. Your student loans will be paid through your Chapter 13 payments according to the terms of your plan. If you have little or no disposable income, you may not have to pay anything towards your student loans in your repayment plan. However, keep in mind that interest will continue to accrue on your student loans during bankruptcy and you will still be required to pay them back after your case is closed. (Learn more about how payments are determined in Chapter 13 bankruptcy.)

Chapter 13 Bankruptcy Can Reduce Your Monthly Obligations

You can still pay back a portion of your student loans through your Chapter 13 plan. The benefit of Chapter 13 bankruptcy is that you only pay back what you can afford. If you cannot afford your regular student loan payments, you can lower your monthly obligations by paying a smaller amount through your Chapter 13 plan. Since Chapter 13 bankruptcies can last as long as five years, this can allow you time to increase your income and more easily afford your payments after bankruptcy.

For nonbankruptcy methods of dealing with student loan payments (including consolidation, forbearance, and reasonable and affordable payment plans), see our Student Loan Debt topic.

Infographic: What – s Happening with Subprime Auto Loans, subprime auto loans.#Subprime #auto #loans

What s Happening with Subprime Auto Loans?

Auto loans have shot past the $1 trillion mark in the United States and now make up a significant component of the overall consumer debt picture.

Subprime auto loans which are riskier loans made to customers with poor credit have helped to drive the market since the Great Recession. However, with auto loan delinquencies ticking up in recent months, investors have been searching for answers about the sector.

Are we in for some sort of subprime auto loan crisis, or is there another explanation for what is going on?

Subprime Auto Loans: a Shifting Market

The data and perspective in today s infographic comes from consumer credit reporting agency Equifax, and it helps to explain what is potentially going on in today s auto loans market.

Subprime auto loans

Does the recent uptick in auto loan delinquencies represent the unhinging of the market, or is it just standard fare?

Auto Loan Segmentation

The auto loan market is surprisingly diverse, and it s comprised of many different types of lenders.

Each lender has a unique set of criteria for their ideal customer. For example, banks want very little risk and typically only lend to customers with prime credit scores (620 or higher). Dealer finance companies, on the other hand, are willing to take on more risk in their portfolios, and usually key in on subprime customers.

In fact, there are six different types of lenders in the auto lending space:

  1. Banks: Depository institutions that loan money to third-parties
  2. Credit Unions: Member-owned financial cooperatives
  3. Captive Auto Finance: Financing arm of an auto brand (i.e. Ford Motor Credit Company, etc.)
  4. Dealer Finance Companies: Associated with a dealerships or dealer chains
  5. Monoline Finance Companies: Focus on auto loans through multiple dealers/platforms
  6. Independent Finance Companies: Offer auto loans and other loan types

Because they each approach the market differently, there is strong segmentation in the market. The following chart from Equifax shows a snapshot of loans made in Q1 of 2015 and their cumulative non-performance after 18 months on the books:

Subprime auto loans

However, let s look at this again by plotting the median credit score for new loans originated in Q1 of 2006, 2009, 2012, and 2015.

Subprime auto loans

After the financial crisis, banks tightened credit standards until performance improved. Monoline and dealer finance companies, on the other hand, continued to lend to high-risk borrowers and it is these companies that are seeing non-performance rates shifting higher.

In other words, it is the market share and relative performance among lenders that are the change drivers for aggregate loan statistics.

Subprime auto loans

Subprime auto loans

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Subprime auto loans

Uber’s subprime leases put drivers on road, but leave some shackled, The Seattle Times, subprime auto loans.#Subprime #auto #loans

Uber’s subprime leases put drivers on road, but leave some shackled

Uber’s Xchange program offers short-term car leases to drivers who work for the company, catering to people who have been rejected by other lenders. But the program has critics who accuse the company of looting the pockets of its drivers.

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In its relentless pursuit of growth, Uber needs new drivers, and many of those drivers need cars.

To help them get started, Uber began offering short-term leases since July through a wholly owned Delaware-based subsidiary called Xchange Leasing. It partners with auto dealerships, advertises to drivers, manages risk and even pays repo men to chase down cars whose drivers aren’t making their payments.

Xchange may be key to Uber’s continued expansion as it tangles with Lyft in the U.S. and competitors abroad.

Uber announced a partnership with Toyota last week to finance even more cars. This year, Uber said its financing and discount programs, which include Xchange, will put more than 100,000 drivers on the road. That requires dipping into the vast pool of people with bad or no credit.

More on Uber

In a deal led by Goldman Sachs, Xchange received a $1 billion credit facility to fund new car leases, according to a person familiar with the matter. The deal will help Uber grow its U.S. subprime auto-leasing business and it will give many of the world’s biggest financial institutions exposure to the company’s auto leases. The credit facility is basically a line of credit that Xchange can use to lease out cars to Uber drivers.

Xchange, which caters to people who have been rejected by other lenders, isn’t intended to be a moneymaker, said an Uber spokesman. But it has plenty of critics who accuse the company of looting the pockets of its drivers.

The program is plagued by a lot of questions that surround other subprime-lending programs aimed at risky borrowers with bad credit. Is Xchange really offering good deals? Does it ensnare drivers with commitments they can’t meet?

“You can buy the car for what they’re charging you in weekly payments,” said Greg McBride, chief financial analyst at personal-finance website

But for many drivers who sign up with Xchange, it’s their only option.

The terms of an Xchange lease run 28 pages. Drivers pay a $250 upfront deposit, then make weekly payments to Uber over the course of the three-year life of the lease. As the video promoting the arrangement puts it: “The best part: Payments are automatically deducted from your Uber earnings.”

At the end of three years, Uber keeps the $250 deposit to release the drivers from the lease. If they want to buy it, they’ll need to fork over the residual value of the car, which could run many thousands of dollars. Uber declined to provide an average figure.

Uber’s lease is more flexible than most subprime leases, the company said. After the first 30 days, a driver can return the car to Uber with two weeks’ notice, without any additional fees, apart from the payments they owe and the $250 they paid up front.

Many other leases charge drivers by the mile if they exceed a certain mileage threshold. Not Xchange, though; Uber wants to incentivize drivers to keep logging miles.

Drivers’ experience

Bloomberg News spoke to a half-dozen drivers who have leases through Xchange. For the most part, drivers saw Xchange as their only way to get a car. Xchange was a solution to Shawn Hofstede’s money problems at first.

Hofstede, 30, started driving for Uber in the Dallas-Fort Worth area last year, using his own car. But then, during an accident on his own time, he wrecked the car and was left without the income. “I was literally screwed,” he said. Then Uber emailed him about its financing options.

He leased a 2016 Toyota Corolla from Xchange in November, paying $155 a week. Two months later, Uber slashed fares nationally. Soon Hofstede had trouble keeping up with his payments. He went from making $200 in a weekend to $140 in a weekend, he said.

“It got to the point that I would drive just to meet my payment,” he said. “If you were short on your payment for a week it would roll onto the payment for next week. It starts adding up.”

Eventually, Hofstede stopped driving. The car was repossessed a few months later.

Bloomberg spoke to five auto-finance experts. Most said the leases are expensive, even predatory, compared with leases available to drivers with good credit.

“I’d say the cost is greater than the benefit for your average driver,” said Mark Williams, a lecturer at Boston University’s business school who reviewed the terms of a blank lease agreement provided by Uber, along with some average weekly lease payments and a driver-reported account. “The terms, the way they’re proposed, are predatory and are very much driven toward profiting off drivers rather than to facilitate an increase in drivers.”

Uber said the program isn’t meant to generate a profit, but to get more drivers in cars. They said the lease is structured so drivers can get out of it at any time.

Besides unlimited mileage, Uber’s lease also includes routine maintenance. The company also said returning the vehicle won’t impact a driver’s credit score, unlike other financing arrangements.

“They’re making it easier to walk away, which is a good thing, but they’re making it pretty expensive throughout,” said John Van Alst, a leasing expert at the National Consumer Law Center.

The average weekly payment for a lease on a new car was $96 during the last three months of 2015, according to credit agency Experian. That’s for everyone with all kinds of credit ratings.

A typical 2013 Toyota Camry L through Xchange runs $130 a week, according to Uber.

Xchange leases are generally comparable to the terms of other subprime and deep-prime leases, experts said. That means leases can run far above the car’s real value.

In a statement sent by Uber, Andrew Chapin, who runs Xchange, said: “Many Americans don’t have enough cash on hand to buy a car. Many others could be denied leases or charged high rates due to their credit quality, and could owe thousands of dollars in penalties if they break the contract early. Xchange provides access to high-quality cars with no restrictions on mileage (unlike most leases) and the ability to break the lease early with minimal fees.”

Taking bigger risks

In June 2015, Brandie Schmitt, 24, found herself broke in Los Angeles with what she called a “terrible” credit score. Five years earlier, a seizure put her in the hospital. Medical bills piled up, along with student debt for classes she never attended.

She worked at Papa John’s for a while, but then her hours got cut, and anyway, the two hour-plus bus ride to work was killing her.

After dropping $250 up front for her lease of a 2015 Honda Civic, she pays $160 a week to Xchange. If she keeps the car for the full three-year term, she’ll end up paying Uber $25,210. The Kelley Blue Book fair purchase price for a new 2015 Honda Civic SE in Los Angeles is $18,142.

Schmitt said she’ll need to pay Uber $5,000 or so more to buy the car if she wants to keep it at the end of her lease.

Schmitt was referred to Bloomberg News by Uber. She drives about 25 hours a week. In one week in May, she earned $604 for 28 hours of work, she said — a slightly better-than-average week. Uber took $160 for the car directly out of her paycheck, leaving her with $444.

“It’s been building my credit,” she said. “It’s expensive but that’s because my credit isn’t that great.”

Uber’s program is willing to take bigger risks on lease applicants than most traditional leasing programs, the company said. It has more reason to believe that someone will be able to pay them back, because they’ll be making money driving for Uber, and the company gets their money before it pays the driver.

Chapin said catering to drivers with bad credit is intentional. “Just as Uber is changing the nature of car ownership for riders, it’s changing the nature of car ownership for drivers,” he said.

Muhanad K. started driving for Uber in September 2014 after having fled his war-torn home country. (He declined to share his full name or the country out of fear he could endanger his family abroad.) After a few months, his car broke down.

With a subprime credit score hovering around 570, Muhanad didn’t think he could get another car. He turned to Xchange. He pays Uber $183 a week for a 2015 Prius.

If Muhanad sticks with the lease for three years, he’ll end up paying Uber $28,798. Kelley Blue Book puts the fair purchase price of a 2015 Toyota Prius at $21,985.

To afford it, Muhanad started pulling longer shifts. Six days a week, he’d sign in to the Uber app at 7 a.m. and work until 11 p.m., limiting himself to a two-hour break.

“I just wanted to make money,” he said. “I come from a place where I survived hell, so this is nothing. But most people probably would not be able to handle this kind of stress.”

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First time buying and poor credit history are no problems for our experienced auto loan specialists.

Getting approved for an auto loan with bad credit may be easier than you think. Auto loans are different from unsecured lines of credit because they use the car as collateral. If you are unable to make your monthly payments, then the creditor has the right to repossess the car.

Dealer Financed Auto Loan

There are several options for obtaining an auto loan. Many small, local, or used car dealerships offer buy-here-pay-here financing. You finance the vehicle through the dealership and send them your monthly payments. These programs are often less selective about the candidates they approve for financing, but they also generally charge very high interest rates.

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If your credit is so poor that you have to accept a less-than-desirable loan offer, then make sure to always make your payments on time. Your credit score will improve with each timely payment. With one year’s worth of good credit reporting, you should be able to refinance your car and obtain better loan conditions.

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Another option is to obtain a loan through your personal bank. If you have a good history with the bank (few to no bounced checks or account overdraws), and you can prove that you are capable of paying back the loan, they may offer to finance your purchase. You can compare auto insurance quotes online for comprehensive auto coverage to protect you from vehicle theft.

Most of the larger dealerships have banks that they work with exclusively. If you chose to finance through their banks, a loan officer will walk you through all of the paperwork. You can attempt to negotiate the terms of the loan prior to agreeing to make the purchase, but you cannot be sure that you are getting the best deal. Most large dealerships will charge higher interest rates so that they make a profit off of obtaining financing for your purchase.

Guaranteed Auto Credit

Perhaps the most active and selective means of obtaining auto loans is to request quotes through an online database. Many companies have websites that are partnered with several loan companies who will consider your credit, income, and work history, and then present you with the terms of the loan they are prepared to offer. These services allow you to compare loans side-by-side and choose the one that offers the best terms

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Auto loan rates, auto loan rates.#Auto #loan #rates

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All rates determined by the Board of Directors and may change without notice.


*APR=Annual Percentage Rate. ¹Rates are based on an evaluation of applicant credit. Final rate may vary at closing.


*APR=Annual Percentage Rate. ¹Rates are based on an evaluation of applicant credit. Final rate may vary at closing.


*APR=Annual Percentage Rate. ¹Rates are based on an evaluation of applicant credit. Final rate may vary at closing.


*APR=Annual Percentage Rate. ¹Rates are based on an evaluation of applicant credit. Final rate may vary at closing.


*APR=Annual Percentage Rate. ¹Rates are based on an evaluation of applicant credit. Final rate may vary at closing.



*APR=Annual Percentage Rate. ¹Rates are based on an evaluation of applicant credit. Final rate may vary at closing.


*APR=Annual Percentage Rate. ¹Rates are based on an evaluation of applicant credit. Final rate may vary at closing.



*APY = Annual Percentage Yield. Dividends declared by the Board of Directors are paid at the close of business on the last day of the quarter.



*APY = Annual Percentage Yield. All rates above are subject to change without notice. A penalty will be imposed for early withdrawal.

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Auto Loans, Online Auto Rates – Financing, BBVA Compass, auto loans online.#Auto #loans #online

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At BBVA Compass, everything you need to save time and money on your next auto loan comes standard. Here are some benefits:

Your interest rate will never change for the life of your loan, which means your payment amount or due date won’t change either.

Choose a term you’re comfortable with, from 12 to 72 months.* Flexible terms let you think bigger when car shopping, or think about paying off your car faster.

Unlike other auto loans, there are no unexpected fees for paying off your loan early. Just the expected feeling of satisfaction when receiving your title.

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Minimum loan amount is $5,000, with lower interest rates on loans of $15,000 or more.

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You’re like no one else. That’s why BBVA Compass provides different checking account options. No matter your financial situation or how you like to manage your money, we have an account that’s just right for you.

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Loans subject to eligibility, collateral, underwriting and approval, including credit approval. *Payment Example: A 60-month fixed-rate loan for $20,000 with $0 down payment and an APR of 3.49% would have 60 monthly payments of $363.75 each.

Save time and money when you have your monthly payments automatically debited from your BBVA Compass checking account. Don’t have a BBVA Compass checking account? See our checking account options and ask your banker about other relationship or program discounts available.

*Advertised interest rate discount requires establishment of recurring monthly auto-debit of loan payments from your BBVA Compass checking account. All loans subject to approval, including credit approval. For qualifying customers, enrollment in auto-debit loan payments from a BBVA Compass checking account is required to receive a 0.50% interest rate discount off of standard interest rates offered by BBVA Compass for auto loans (enrollment in auto-debit is NOT mandatory or required for loan approval). The BBVA Compass checking account must be opened prior to the loan being finalized to be eligible for the auto-debit interest rate discount offer.

The offered auto loan APR will vary between 3.49% and 12.49% APR based upon creditworthiness, loan amounts, term length, and other factors. Receive the Consumer Segment Interest Rate Discount of 0.25% off of the base interest rate for enrollment in Premier Personal Banking, Everyday Heroes, Workplace Solutions or Global Wealth.

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We plan on adding many more auto equity lenders to this database. In fact, we’ve only touched the surface of known direct lenders! Besides the many firms listed here, there are also hundreds of retail companies that only fund auto equity loans in person. We plan on adding many small and single state lenders over the next few months. Don’t hesitate to contact us if you know of any title loan companies who may be missing from this database. This includes brick and motor lenders as well as lenders that only fund online title loans. In the meantime, check out the different parts of our site that break down all aspects of the online application process.

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Why Choose Auto Money Title Loans?

At Auto Money Title Loans, we understand that things come up that require cash in a hurry and they don’t always coincide with your payday. Our title loans get you the most money for your title with low interest rates available and you keep driving your car for the duration of the loan. Once the loan is paid in full, we quickly return your title to you. That’s our guarantee!

We know that not everyone has a perfect financial background. We believe that your past should not affect whether or not you can get cash when you need it. You’ll get instant approval, no credit check, and low interest rates available. Our professional and courteous staff is extensively trained to help you through every step of your loan process. We don’t just give people title loans; we give you the tools you need to get your finances back on track. Most importantly, we value each and every one of our customers which is why we designed our company and our title loan process to help you succeed and regain your financial freedom.

Simple, because we care about our customers!

Auto title loans

Auto title loans

Disclosure: This website is a solicitation for an auto title loan. This solicitation is not a unilateral contract or a guaranteed offer. All title loans and the amount of the title loans are subject to Auto Money’s approval that is contingent on several underwriting factors such as a completed loan application, your employment status, monthly income and a vehicle evaluation.

* $20,000 instant approval loan amount is the maximum an applicant can receive. Actual amount of title loan is subject to vehicle appraisal by an Auto Money Title Loans employee and a complete application is required to be submitted and approved in-person by the party requesting a title loan. Certain limitations apply. All title loans issued by Auto Money Title Loans are subject to customer’s ability to repay the title loan.

** is not an online lender. Applications are not processed or approved online. Personal information other than resumes that you submit to this website is an inquiry to receive more information regarding a title loan from Auto Money TItle Loans. Any information you submit to this website will be forwarded to the Auto Money Title Loans office closest to the ZIP code you have provided for the purposes of contacting you about a title loan. Once your information is received and processed, you will be contacted by an Auto Money representative. Submitting your application is an agreement to be contacted by a member of our staff.

Auto title loans

Auto title loans

Auto title loans