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Auto Loan Rates – Police and Fire Federal Credit Union, current auto loan rates.#Current #auto #loan #rates


current auto loan rates

Current auto loan rates

Current auto loan rates

Auto Loan Rates

Check out our competitive auto loan rates, as well as rates on any of our loan or share account products. We also have a variety of interactive calculators that can help you plan for your future. You may also apply online for a number of our products and services.

Annual Percentage Rates (APRs) are effective as of Thursday, November 16, 2017 and are subject to change.

2018, 2017, and 2016 Model Vehicles

2015, 2014, and 2013 Model Vehicles

2012, 2011, and 2010 Model Vehicles

Rates reflect a 1/4% discount with automatic payment from an active PFFCU Checking Account or distribution from a payroll check automatically deposited with PFFCU and are SUBJECT TO CHANGE WITHOUT NOTICE . The AutoDraft can only be used to purchase or buyout a lease on an automobile (examples of vehicles that cannot be purchased using an AutoDraft are a motorcycle, mobile home, trailer, RV, boat, snowmobile, jet ski, off road vehicle, commercial vehicle, or any other untitled vehicle). The vehicle must be purchased from a business entity licensed to sell automobiles. PFFCU will only finance autos that have mileage of 75,000 or less. The maximum age of any auto to be financed is 6 years or less than the current model year (For example, as of January 1, 2017 the oldest auto to finance is a model from 2010). AutoDraft can only be used to purchase a new car in PA, NJ, DE, MD, FL, and NY or a used car from a licensed dealership in PA, NJ or DE.

  1. Your rate will depend upon your credit score, loan term and model year.
  2. All payments quoted above are based on per $1,000 borrowed. To get a monthly payment for a specific borrowed amount, multiply the per $1,000 payment factor by the number of thousand dollars borrowed. For example, if you borrow $10,000, multiply 10 by the figure noted next to the specified loan product.

Call Us with Questions

If you have questions or want to apply for a loan over the phone please call us

at 1-800-228-8801 or 215-931-0300.

Current auto loan ratesCurrent auto loan ratesCurrent auto loan rates

ABA Routing #236084285

Police and Fire Federal Credit Union

901 Arch Street, Philadelphia, PA 19107

©2017 Police and Fire Federal Credit Union.


Auto Loan Rates – Police and Fire Federal Credit Union, current auto loan rates.#Current #auto #loan #rates


current auto loan rates

Current auto loan rates

Current auto loan rates

Auto Loan Rates

Check out our competitive auto loan rates, as well as rates on any of our loan or share account products. We also have a variety of interactive calculators that can help you plan for your future. You may also apply online for a number of our products and services.

Annual Percentage Rates (APRs) are effective as of Thursday, November 16, 2017 and are subject to change.

2018, 2017, and 2016 Model Vehicles

2015, 2014, and 2013 Model Vehicles

2012, 2011, and 2010 Model Vehicles

Rates reflect a 1/4% discount with automatic payment from an active PFFCU Checking Account or distribution from a payroll check automatically deposited with PFFCU and are SUBJECT TO CHANGE WITHOUT NOTICE . The AutoDraft can only be used to purchase or buyout a lease on an automobile (examples of vehicles that cannot be purchased using an AutoDraft are a motorcycle, mobile home, trailer, RV, boat, snowmobile, jet ski, off road vehicle, commercial vehicle, or any other untitled vehicle). The vehicle must be purchased from a business entity licensed to sell automobiles. PFFCU will only finance autos that have mileage of 75,000 or less. The maximum age of any auto to be financed is 6 years or less than the current model year (For example, as of January 1, 2017 the oldest auto to finance is a model from 2010). AutoDraft can only be used to purchase a new car in PA, NJ, DE, MD, FL, and NY or a used car from a licensed dealership in PA, NJ or DE.

  1. Your rate will depend upon your credit score, loan term and model year.
  2. All payments quoted above are based on per $1,000 borrowed. To get a monthly payment for a specific borrowed amount, multiply the per $1,000 payment factor by the number of thousand dollars borrowed. For example, if you borrow $10,000, multiply 10 by the figure noted next to the specified loan product.

Call Us with Questions

If you have questions or want to apply for a loan over the phone please call us

at 1-800-228-8801 or 215-931-0300.

Current auto loan ratesCurrent auto loan ratesCurrent auto loan rates

ABA Routing #236084285

Police and Fire Federal Credit Union

901 Arch Street, Philadelphia, PA 19107

©2017 Police and Fire Federal Credit Union.


Current Interest Rates on Home Loans, Savings, Car loans – CD Rates, current auto loan rates.#Current #auto #loan #rates


Today’s Interest Rates and Financial Advice:

Current auto loan rates

Financial Advice

Would you like to buy a home but worry that you’d never qualify for a mortgage? It’s time to stop guessing and evaluate your chances to land a loan based on everything from how much you make to your credit score. Believe it or not, the odds are in your favor.

November 14th 2017

The average cost of financing a new or used car or truck has stayed low over the past year, making auto loans a bargain by any historical measure. And buyers with reasonably good credit can always take advantage of the discount loans automakers are offering on many models.

November 13th 2017

Lending money to your child is risky business. But if you can avoid the personal pitfalls and convince the federal government that this is really a loan, and not a gift, the Bank of Mom and Dad can be a financial boon for everyone in the family.

November 13th 2017

Here’s how to make all of the right decisions so that you’ll save more, invest wisely and take full advantage of all the tax breaks to build your retirement nest egg.

November 10th 2017

It’s not enough to find a good location at an affordable price. Condo buyers must consider lots of extra costs, from association fees and special assessments to how well the building is maintained and how strictly it enforces rules on everything from noise to pets.

November 10th 2017

You’ve scouted out the best mortgage rate and fought hard to get the best price on your new home. But your bargaining shouldn’t stop there. Here’s how you can save on everything from settlement fees to title insurance.

November 8th 2017

Current auto loan rates

Interest ing Snapshot

Individual retirement accounts, or IRAs, are a great way to build financial security for you and your family. They’re easy to open and our simple strategy helps you make all the right decisions now, and in the years ahead.

Current auto loan rates

Current auto loan rates


Current Auto Loan Interest Rates, current auto loan rates.#Current #auto #loan #rates


Current Auto Loan Interest Rates

Estimate your monthly payment with a car loan calculator.

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Best Jumbo Mortgage Rates: Compare Current 30 Year Super Jumbo Home Mortgage Refinance Loan Rates in CA #personal #unsecured #loans


#compare home loan rates
#

Best Jumbo Home Loan Rates

Large Loans Currently Available for Home Buyers Looking at Premium Properties

When people describe the American Dream, it often includes a variety of things: education, good health, a happy family, money in the bank, and so on. For most people, this vision of the American Dream also involves having a place to come home to. Home ownership is sought by those who lack it, and fiercely protected by those who fear losing it. There is something comforting about being able to call a house your own.

Of course, these days it is rare that the house truly belongs to the homeowner. In the current housing market, obtaining a mortgage is almost always a necessity in order to purchase a home. Few people are able to afford the cost of becoming a homeowner up-front. When a mortgage is taken out, the borrower is not actually in debt, but he or she has effectively used his or her new home as a security in place of a traditional loan. As such, when a borrower is unable to make mortgage payments, the result is often foreclosure.

In the current economic climate, foreclosure rates are skyrocketing. Although many malpracticing lenders are partially to blame for this fiasco, in most cases the borrower shares a piece of the responsibility. Several borrowers enter into mortgages that are overly risky. Many of them simply do not understand the requirements of the mortgage they are entering into. Others may recognize the risks, but downplay them. No matter why borrowers enter into mortgages they can’t afford, they often find themselves in foreclosure during an economic downturn or after some sort of personal financial crisis. The best way to avoid this situation is to do your homework and obtain a thorough understanding of how different types of mortgages work, and which mortgages will best fit the needs of you and your family.

Types of Mortgages

There are several types of mortgages to choose from. Common mortgage loans include:

  • Federal Housing Administration (FHA) mortgages
  • VA mortgages
  • Adjustable rate mortgages (ARMs)
  • Fixed rate mortgages (FRMs)
  • Hybrid ARMs
  • Option ARMs
  • Cash Flow ARMs
  • Convertible ARMs
  • Two-Step Mortgages
  • Rural Housing Service (RHS) mortgages
  • B/C mortgages
  • Graduated Payment Mortgages (GPMs)
  • Buydown mortgages
  • Balloon mortgages
  • Piggyback loans
  • Reverse mortgages
  • Jumbo mortgages

What Kind of Mortgage is Best?

All of the options listed above vary greatly. Although this may make learning about the different types of mortgages confusing, the huge differences among mortgage types actually puts savvy borrowers at an advantage. Each type mortgage is made to meet the needs of a different type of borrower, which is why no single mortgage type will work for everyone. As such, there is no type of mortgage that is considered the best, nor is there a mortgage program that is hated by everyone.

Fixed Rate vs Adjustable Rate Mortgages

Most people tend to choose either adjustable rate mortgages or fixed rate mortgages. Even these two basic categories of mortgage loans feature a number of variants, depending on the period of time over which the borrower intends to mortgage the house. Traditionally, Americans tend to choose long-term fixed-rate mortgages. However, with people moving far more often these day, more Americans have begun to opt for adjustable rate mortgages. Many end up pursueing an alternative type of mortgage when their financial situation bars them from both fixed rate and adjustable rate mortgages. Unfortunately, it is often the alternative mortgages that are associated with malpractice and high foreclosure rates. For this reason, if you are considering an alternative type of mortgage, you need to understand the implications, requirements and every last detail about the type of mortgage you intend to take out.

FHA Home Loans

The Federal Housing Administration has made a variety of FHA mortgage loans available for low to middle income borrowers who do not traditionally qualify for adjustable rate or fixed rate mortgages. There are a variety of FHA loans available to meet the varied needs of borrowers. They include:

  • FHA 203(b) loans
  • Energy efficient mortgages
  • FHA Title 1 loans
  • FHA adjustable rate mortgages
  • FHA fixed rate mortgages
  • FHA Loans for condiminuum units
  • Growing equity mortgages
  • Graduate payment mortgages

The many FHA programs have helped millions of low and middle income Americans become homeowners without breaking the banking. However, the Federal Housing Administration is not without its limitations. Despite claims of these loans being viable options for those facing financial difficulty, oftentimes FHA loans are not available to borrowers with poor credit scores. This is because most lenders have minimum credit requirements for financing.

Another aspect of FHA loans that some view as a disadvantage is the requirement for all FHA borrowers to pay mortgage insurance, no matter the loan type and regardless of how much money is used for a down payment. This mortgage insurance requirement necessitates making both an upfront mortgage insurance payment, as well as monthly premiums.

The drawback that most discourages potential borrowers from seeking FHA loans is the low limit. FHA loans provide much lower amounts of money than other types of loans.

Jumbo Mortgages

One type of alternative mortgage that many Americans are exploring is known as the jumbo mortgage. Typically jumbo mortgages have higher interest rates since the loan amount is above conventional conforming limits and needs financing by companies which are not directly government backed. Often, borrowers with turn to jumbo mortgages when they are unable to secure other types of mortgages due to bad credit or other financial restrictions.

Borrowers who do not qualify for adjustable rate mortgages or fixed rate mortgages and wish for a higher limit than that of FHA loans often choose jumbo mortgages as an alternative. Jumbo mortgages provide loan amounts that are much higher than the limits typically given for adjustable rate mortgages and fixed rate mortgages. Jumbo loan limits exceed the standard limits set by government-sponsored Fannie Mae and Freddie Mac. Any loan that exceeds the amounts set by Fannie Mae and Freddie Mac fall under the umbrella of jumbo mortgages. To offset the costs incurred by setting higher loan limits, jumbo mortgage lenders typically charge higher interest rates, and are more likely to foreclose on homes.

Advantages of Jumbo Mortgages

Jumbo mortgages have a relatively negative reputation in the United States. However, despite general impressions of Americans, there are several distinct advantages to obtaining a jumbo mortgage. The most obvious advantage is that the loan limit is set much higher than the limits of more traditional mortgages. This allows borrowers to mortgage more expensive houses that might not be affordable under a lower loan limit. As a result, jumbo mortgages substancially increase the number of options a potential homeowner can choose from.

Another advantage of jumbo loans is having to only deal with one lending institution. Other types of loans often operate through multiple institutions, such as the FHA and other government bureacracies, as well as private lending institutions. In a misguided effort at avoiding jumbo mortgages, many homeowners take out multiple mortgages from separate lending institutions. This makes refinancing difficult, and often renders it impossible. Working with a single lending institution allows for easy modifying of loans.

As the economy has recovered from the housing crash, the rate spread between jumbo mortgages and conventional home loans has drastically shrunk below historical norms. At some points jumbo loans have even been cheaper than conforming mortgages .


Current Students: Federal Student and Parent Loans #bridging #loans


#student loans federal
#

Current Students: Federal Student and Parent

Loan money is money designated for the student’s educational expenses that must be paid back to the lender. (Loan Forgiveness Programs do exist. We recommend that all graduating seniors discuss their career plans with us prior to graduation)

Federal (Direct) loans are loans in which the United States federal government is the lender. The federal government offers student and parent loans with set interest rates. Deferment, forbearance, and forgiveness options may apply. Please view the federal repayment information website for additional information.

The federal government sets the interest rates on their loan programs each year. These are fixed rates for that loan for that year, but interest rates per year may change and the interest rate for each type of loan is different.

All loans require the borrower to sign a promissory note with the lender stating that the borrower knows they must repay the money borrowed. The lender will not release the funds until the borrower has completed signed a promissory note and any required counseling.

NSLDS (National Student Loan Data System) allows students to track their federal direct loans at any time at one website.  Students are encouraged to sign in and become familiar with the information the website offers.

Federal loans fall into 3 categories (or types):

The Office of Financial Aid at Schreiner University is committed to assisting students in obtaining the best financial aid award possible. However, it is the student’s responsibility to comply with all requirements necessary to complete the financial aid process. In addition, the Office of Financial Aid is not responsible for the student’s financial obligations to Schreiner University. Each student must verify their account balance and make arrangements for any amounts not covered by financial aid.


Current Mortgage Rates #where #can #i #get #a #loan


#best home loan
#

Mortgage Rates Today | Compare Home Loans

Find and compare today’s mortgage rates from several lenders, banks and credit unions. Check the latest local and national mortgage interest rates for fixed mortgages, ARM, jumbo and other mortgage products by using the interactive table below.

30 yr fixed mtg, 0 Points Glossary Terms

Quality Assurance

All rates provided by Bankrate.com

About our Mortgage Rate Tables: The above mortgage loan information is provided to, or obtained by, Bankrate. Some lenders provide their mortgage loan terms to Bankrate for advertising purposes and Bankrate receives compensation from those advertisers (our “Advertisers”). Other lenders’ terms are gathered by Bankrate through its own research of available mortgage loan terms and that information is displayed in our rate table for applicable criteria. In the above table, an Advertiser listing can be identified and distinguished from other listings because it includes a “Next” button that can be used to click-through to the Advertiser’s own website or a phone number for the Advertiser.

Loan Terms for Bankrate.com Customers: Advertisers may have different loan terms on their own website from those advertised through Bankrate.com. To receive the Bankrate.com rate, you must identify yourself to the Advertiser as a Bankrate.com customer. This will typically be done by phone so you should look for the Advertiser’s phone number when you click-through to their website. In addition, credit unions may require membership.


Best Jumbo Mortgage Rates: Compare Current 30 Year Super Jumbo Home Mortgage Refinance Loan Rates in CA #apply #for #personal #loan


#compare home loan rates
#

Best Jumbo Home Loan Rates

Large Loans Currently Available for Home Buyers Looking at Premium Properties

When people describe the American Dream, it often includes a variety of things: education, good health, a happy family, money in the bank, and so on. For most people, this vision of the American Dream also involves having a place to come home to. Home ownership is sought by those who lack it, and fiercely protected by those who fear losing it. There is something comforting about being able to call a house your own.

Of course, these days it is rare that the house truly belongs to the homeowner. In the current housing market, obtaining a mortgage is almost always a necessity in order to purchase a home. Few people are able to afford the cost of becoming a homeowner up-front. When a mortgage is taken out, the borrower is not actually in debt, but he or she has effectively used his or her new home as a security in place of a traditional loan. As such, when a borrower is unable to make mortgage payments, the result is often foreclosure.

In the current economic climate, foreclosure rates are skyrocketing. Although many malpracticing lenders are partially to blame for this fiasco, in most cases the borrower shares a piece of the responsibility. Several borrowers enter into mortgages that are overly risky. Many of them simply do not understand the requirements of the mortgage they are entering into. Others may recognize the risks, but downplay them. No matter why borrowers enter into mortgages they can’t afford, they often find themselves in foreclosure during an economic downturn or after some sort of personal financial crisis. The best way to avoid this situation is to do your homework and obtain a thorough understanding of how different types of mortgages work, and which mortgages will best fit the needs of you and your family.

Types of Mortgages

There are several types of mortgages to choose from. Common mortgage loans include:

  • Federal Housing Administration (FHA) mortgages
  • VA mortgages
  • Adjustable rate mortgages (ARMs)
  • Fixed rate mortgages (FRMs)
  • Hybrid ARMs
  • Option ARMs
  • Cash Flow ARMs
  • Convertible ARMs
  • Two-Step Mortgages
  • Rural Housing Service (RHS) mortgages
  • B/C mortgages
  • Graduated Payment Mortgages (GPMs)
  • Buydown mortgages
  • Balloon mortgages
  • Piggyback loans
  • Reverse mortgages
  • Jumbo mortgages

What Kind of Mortgage is Best?

All of the options listed above vary greatly. Although this may make learning about the different types of mortgages confusing, the huge differences among mortgage types actually puts savvy borrowers at an advantage. Each type mortgage is made to meet the needs of a different type of borrower, which is why no single mortgage type will work for everyone. As such, there is no type of mortgage that is considered the best, nor is there a mortgage program that is hated by everyone.

Fixed Rate vs Adjustable Rate Mortgages

Most people tend to choose either adjustable rate mortgages or fixed rate mortgages. Even these two basic categories of mortgage loans feature a number of variants, depending on the period of time over which the borrower intends to mortgage the house. Traditionally, Americans tend to choose long-term fixed-rate mortgages. However, with people moving far more often these day, more Americans have begun to opt for adjustable rate mortgages. Many end up pursueing an alternative type of mortgage when their financial situation bars them from both fixed rate and adjustable rate mortgages. Unfortunately, it is often the alternative mortgages that are associated with malpractice and high foreclosure rates. For this reason, if you are considering an alternative type of mortgage, you need to understand the implications, requirements and every last detail about the type of mortgage you intend to take out.

FHA Home Loans

The Federal Housing Administration has made a variety of FHA mortgage loans available for low to middle income borrowers who do not traditionally qualify for adjustable rate or fixed rate mortgages. There are a variety of FHA loans available to meet the varied needs of borrowers. They include:

  • FHA 203(b) loans
  • Energy efficient mortgages
  • FHA Title 1 loans
  • FHA adjustable rate mortgages
  • FHA fixed rate mortgages
  • FHA Loans for condiminuum units
  • Growing equity mortgages
  • Graduate payment mortgages

The many FHA programs have helped millions of low and middle income Americans become homeowners without breaking the banking. However, the Federal Housing Administration is not without its limitations. Despite claims of these loans being viable options for those facing financial difficulty, oftentimes FHA loans are not available to borrowers with poor credit scores. This is because most lenders have minimum credit requirements for financing.

Another aspect of FHA loans that some view as a disadvantage is the requirement for all FHA borrowers to pay mortgage insurance, no matter the loan type and regardless of how much money is used for a down payment. This mortgage insurance requirement necessitates making both an upfront mortgage insurance payment, as well as monthly premiums.

The drawback that most discourages potential borrowers from seeking FHA loans is the low limit. FHA loans provide much lower amounts of money than other types of loans.

Jumbo Mortgages

One type of alternative mortgage that many Americans are exploring is known as the jumbo mortgage. Typically jumbo mortgages have higher interest rates since the loan amount is above conventional conforming limits and needs financing by companies which are not directly government backed. Often, borrowers with turn to jumbo mortgages when they are unable to secure other types of mortgages due to bad credit or other financial restrictions.

Borrowers who do not qualify for adjustable rate mortgages or fixed rate mortgages and wish for a higher limit than that of FHA loans often choose jumbo mortgages as an alternative. Jumbo mortgages provide loan amounts that are much higher than the limits typically given for adjustable rate mortgages and fixed rate mortgages. Jumbo loan limits exceed the standard limits set by government-sponsored Fannie Mae and Freddie Mac. Any loan that exceeds the amounts set by Fannie Mae and Freddie Mac fall under the umbrella of jumbo mortgages. To offset the costs incurred by setting higher loan limits, jumbo mortgage lenders typically charge higher interest rates, and are more likely to foreclose on homes.

Advantages of Jumbo Mortgages

Jumbo mortgages have a relatively negative reputation in the United States. However, despite general impressions of Americans, there are several distinct advantages to obtaining a jumbo mortgage. The most obvious advantage is that the loan limit is set much higher than the limits of more traditional mortgages. This allows borrowers to mortgage more expensive houses that might not be affordable under a lower loan limit. As a result, jumbo mortgages substancially increase the number of options a potential homeowner can choose from.

Another advantage of jumbo loans is having to only deal with one lending institution. Other types of loans often operate through multiple institutions, such as the FHA and other government bureacracies, as well as private lending institutions. In a misguided effort at avoiding jumbo mortgages, many homeowners take out multiple mortgages from separate lending institutions. This makes refinancing difficult, and often renders it impossible. Working with a single lending institution allows for easy modifying of loans.

As the economy has recovered from the housing crash, the rate spread between jumbo mortgages and conventional home loans has drastically shrunk below historical norms. At some points jumbo loans have even been cheaper than conforming mortgages .


Current Students: Federal Direct Student Loans #cheapest #car #loans


#federal student loan rates
#

Federal Direct Student Loans

Federal student loans go into repayment six months after the student has graduated, dropped below half-time enrollment, or withdrawn from the university.

2015-2016: Subsidized and Unsubsidized Student loans for Undergraduates have a 4.29 % interest rate during repayment.

2015-2016: Unsubsidized Federal Direct Student loans for Graduate Students  have a 5.84 % interest rate upon disbursement to the student account.

Interest rates are set every July 1st for the following year.  Currently, a 1.073% origination fee is deducted from the amount borrowed before the money is sent to the school.

Vocational Nursing students are awarded as a certificate/first year programs at freshmen loan levels.

Upon receipt of the appropriate application materials, the Financial Aid Office will determine your eligibility and originate your loan.  If you have previously borrowed a Direct Loan and signed a Master Promissory Note. then you will not need to sign another Note.  You will use your FAFSA PIN to sign into www.studentloans.gov

New borrowers must sign a Master Promissory Note.  First time borrowers must also complete Loan Entrance Counseling.  Both may be completed at www.studentloans.gov

Beginning July 1, 2013, a new borrower may receive Federal Direct Subsidized loans for up to 150 percent of the published length of the borrower’s educational program. Should a borrower exceed this period, he or she is no longer eligible for Federal Direct Subsidized Loans. The borrower also becomes responsible for accruing interest during all periods as of the date the borrower exceeds the 150 percent limit.

The Standard Repayment Plan allows for a repayment period of 10 years. Alternative repayment plans allowing for a longer repayment period are available. Students are encouraged to utilize their $ALT membership to research the best loan repayment options for their situation.

Students can track actual and potential loan debt with the federal  loan calculator which allows you to calculate your monthly payments based on your current and future loan debt.

SALT is a program provided by Schreiner University for students, alumni, and employees.  $ALT provides financial literacy programs, scholarship searches, and live financial counselors to answer loan consolidation options and answer other questions.

The Office of Financial Aid at Schreiner University is committed to assisting students in obtaining the best financial aid award possible. However, it is the student’s responsibility to comply with all requirements necessary to complete the financial aid process. In addition, the Office of Financial Aid is not responsible for the student’s financial obligations to Schreiner University. Each student must verify their account balance and make arrangements for any amounts not covered by financial aid.