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Self-Employment Tax Software – QuickBooks Self-Employed

#self #employed #tax #help


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Put more money in your pocket.

  • Send and track simple invoices
  • Separate business and personal expenses

When using bank or credit card accounts for both business and personal expenses, you’ll need to separate these transactions to get a clear idea of your business income and spending. You’ll click business or personal to indicate the transaction type and we’ll organize them for you.

  • Maximize your Schedule C

    Business expenses are automatically assigned to Schedule C categories in preparation for IRS reporting. If an assigned category doesn’t make sense, you can easily select a different category and even define a rule to handle similar transactions in the same way.

    deductions

  • Quarterly estimated taxes

    Self-employed individuals generally have to make estimated tax payments on a quarterly basis if you expect to owe tax of $1,000 or more. QuickBooks Self-Employed takes into account various factors to calculate the quarterly estimated tax you owe so there’s no surprise at year-end tax time!

    calculated automatically

  • Automatic mileage tracking
  • QuickBooks
    Self-Employed Tax Bundle

    QuickBooks
    Self-Employed Tax Bundle

    Save 29% for 6 months

    • Send and track simple invoices
    • Separate business and personal expenses

    When using bank or credit card accounts for both business and personal expenses, you’ll need to separate these transactions to get a clear idea of your business income and spending. You’ll click business or personal to indicate the transaction type and we’ll organize them for you.

  • Maximize your Schedule C

    Business expenses are automatically assigned to Schedule C categories in preparation for IRS reporting. If an assigned category doesn’t make sense, you can easily select a different category and even define a rule to handle similar transactions in the same way.

    deductions

  • Quarterly estimated taxes

    Self-employed individuals generally have to make estimated tax payments on a quarterly basis if you expect to owe tax of $1,000 or more. QuickBooks Self-Employed takes into account various factors to calculate the quarterly estimated tax you owe so there’s no surprise at year-end tax time!

    calculated automatically

  • Automatic mileage tracking
  • Pay quarterly estimated taxesonline

    QuickBooks Self-Employed allows you to electronically file (e-file) your quarterly tax payments to the IRS. E-filing is fast and results in less errors because you won’t have to re-enter information into your checkbook or the IRS computer system.

  • File faster byexporting Schedule C to TurboTax

    As a self-employed individual, you must report your self-employment income or loss using Schedule C. With the QuickBooks Self-Employed Tax Bundle, your Schedule C income and expenses are directly exported into TurboTax Self-Employed, eliminating manual entry.

  • One federal and one state tax returnfiling included

    The tax bundle includes QuickBooks Self-Employed and TurboTax Self-Employed. QuickBooks Self-Employed helps manage your income and expenses all year. When tax time arrives, use TurboTax to prepare and e-file your annual federal tax return and one state tax return.


  • California Divorce, LLC, Incorporation, Trusts, Wills ?>


    We have been around since the 90s. When it comes to legal documents, experience does matter!

    We don t charge by the hour. One flat fee covers it all know upfront what you spend.

    No matter how much marketing we do, the majority of our new customers comes from referrals. That should tell you something!

    Take the stress out of the equation. Let a professional handle your legal matters.

    I Should Have Come here first! That s a line we hear all the time. And it s true, to know us is to love us!

    We are independently owned. No corporate red tape here. Call one of the stores in our directory, and chances are the owner will pick up the phone. We care about what we do, and it shows: check out our 5 stars Yelp reviews.

    We can do business in person, or over the phone and via e-mail. Choose the way you prefer to handle your legal matters. No matter how, you ll be happy you did business with us!

    Still not convinced. Call us or visit us and ask us questions. We are here to help!

    • How do I know my documents will be done right?
        We have successfully completed literally thousands of divorces. If the court ever needs additional paperwork, or revisions, we will take care of those for you at no additional cost. We have filed deeds in all 50 States. We have incorporated businesses in all 50 States. Hundreds of customers over the years have trusted us with their estate planning. Done right or your money back. That s our pledge.
    • How much will I spend?
        For some services we charge a flat fee no matter what (living trusts, quitclaim deeds, bankruptcies, etc.). For others – such as divorces – we charge a flat fee based upon your situation. Please contact us and we ll give you a quote for us to take care of all your paperwork from beginning to end. Know what you spend upfront; we don t bill by the hour.
    • I want to file for divorce. Why you and not some online service?
        Online services will fill out the court forms and wish you good luck. If that s what you want, you can go to the court and fill out the forms for free. What you get from The Document People is the peace of mind to know it s done right. We take care of the initial petition, serving of the spouse by mail or in person at the store, the marital settlement agreement and final judgment. We even go to court for you. Take the guessing out of the equation, and let a professional take care of your court matters.
    • How can I make sure my Living Trust will stand in court?
        The Document People stores chose to have an attorney draft our living trusts. We choose to do it this way so that the utmost care is taken in crafting an estate plan that you can trust. Estate planning is too important to take shortcuts…
        For one flat fee, we include living trust, will, financial power of attorney, medical directive and notary. Shop around; we are confident you won t able to find the same high quality services at a better price.
    • I m confused about what to do. Can you give me legal advice?
        We are not attorneys, so we cannot give legal advice. However, we have a network of attorneys we work with who can consult with you, and advice you on the legal matters you are facing. We also have local CPAs who can guide you through the sometimes confusing first steps to opening a business.
    • Will you help me fill out the proper forms for my divorce?
        We do so much more than that! No matter what the service you need is, we will prepare the proper paperwork, file your case with the Court, and keep you informed throughout the process. 99% of our customers never have to go to court for their divorce. Remember, as long as it s uncontested, we can help!

    Computer Help Desk Job Description, help desk duties.

    #Help #desk #duties


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    Computer Help Desk Job Description

    Help desk duties

    help desk technicians provide support to computer users with problems.

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    • 4 [Help Desk] | Help Desk Support Interview Questions

    Computer help desk technicians provide the initial point of contact for computer users who have problems or need help. A help desk can provide support to a company s employees or to the customers of a hardware or software manufacturer. Help desk technicians help to maintain the productivity of computer users and improve employee or customer satisfaction.

    Qualifications

    A bachelor s degree in computer science, engineering or information science is useful, though not essential, for this role, according to the U.S. Bureau of Labor Statistics. Technicians usually go through training to familiarize themselves with the products they will support. Help desk technicians should be familiar with the best practice recommendations of ITIL, the Information Technology Infrastructure Library. The IT industry recognizes ITIL recommendations as an international standard.

    Product Knowledge

    Technicians working on a help desk must have in-depth knowledge of the products they are supporting. They can acquire product knowledge by taking manufacturers training programs or through practical experience in a technical support role. They must also be familiar with common questions and problems raised by computer users so that they can handle queries with confidence.

    Skills

    Good analytical and problem solving skills are essential on the help desk. Technicians handle support requests by telephone or e-mail. They discuss issues with users and ask a logical sequence of questions to diagnose the problem and offer a solution. They must have good interpersonal skills to deal with users who may have little technical knowledge and may be inconvenienced and frustrated by their computer problems.

    Tools

    Help desk technicians must be able to use support tools to speed up problem-solving and improve their own productivity. Remote diagnostic tools enable them to access a user s computer to test its performance and acquire data for analyzing the problem. They must also be able to use a support database, which contains information on previous support issues and solutions. The database provides valuable information that can speed up the resolution of common support requests and free time for dealing with more complex problems.

    Administration

    Administrative skills are important for this job. Technicians must record the initial support request and report the actions they took to resolve the problem. They must communicate with users to update them on progress if the problem cannot be solved immediately. They must also follow escalation procedures if they cannot resolve a problem and require further expert support. Technicians should document all issues so that help desk managers can identify recurring trends and take remedial action.

    References (4)

    About the Author

    Based in the United Kingdom, Ian Linton has been a professional writer since 1990. His articles on marketing, technology and distance running have appeared in magazines such as “Marketing” and “Runner s World.” Linton has also authored more than 20 published books and is a copywriter for global companies. He holds a Bachelor of Arts in history and economics from Bristol University.


    Paying off a Debt Early Won – t Help Credit Scores, Experian, does paying off credit cards help credit score.

    #Does #paying #off #credit #cards #help #credit #score


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    Paying off a Debt Early Won t Help Credit Scores

    Dear JNS,

    Your friend was correct that in order to establish a credit history she must first have a credit account opened in her name.

    While paying the loan off early may save her some interest fees, it is better for her credit history to leave it open until she has been approved for other credit accounts. Open and active accounts are scored more highly than closed accounts because they demonstrate that you are managing credit well now and not just in the past.

    However, it can still be a positive start to her credit history, even if closed. The important thing is that all payments were made on time. She also should review her contract carefully to ensure there is no early repayment penalty. Such a penalty will not affect her credit history, but could result in additional expense.

    With an established credit history, she may be able to qualify for a credit card. If so, she should give serious consideration to getting one. A credit card will help her build a strong credit history and credit scores more quickly.

    Unlike an installment loan that sets a specific payment amount each month, a credit card allows the holder to decide how much they want to charge and how much they want to pay each month.

    Because the holder makes these decisions, credit card use provides much greater insight into how the individual will manage other accounts. As a result, credit cards play an important role in establishing strong credit scores.

    Thanks for asking.

    Review Your Free Experian Credit Report Today

    Good credit begins with knowing where your credit is today. Get started with your free Experian Credit Report, updated every 30 days on sign in. No credit card required.

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    Do student loans affect your credit scores? If so how are they used in the calculation? LBC Dear LBC, Student loans affect your credit report and

    I went car shopping one day and now there are lots of inquires that say they will be on my credit report. Is it right for all

    I am an international student. It was very difficult for me to get a credit card application approved even after getting a job and getting a Social

    If you make payments within the grace period, does that affect your credit report? TWB Dear TWB, A grace period is a set amount of time after the

    How to Find Out Who Has Requested Your Credit Report


    Alcohol and Nutrition: Learn About Benefits and Risks

    #alchol #help


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    Alcohol and Nutrition

    Betty Kovacs Harbolic, MS, RD

    Betty is a Registered Dietitian who earned her B.S. degree in Food and Nutrition from Marymount College of Fordham University and her M.S. degree in Clinical Nutrition from New York University. She is the Co-Director and Director of nutrition for the New York Obesity Research Center Weight Loss Program.

    Melissa Conrad St ppler, MD

    Melissa Conrad St ppler, MD, is a U.S. board-certified Anatomic Pathologist with subspecialty training in the fields of Experimental and Molecular Pathology. Dr. St ppler’s educational background includes a BA with Highest Distinction from the University of Virginia and an MD from the University of North Carolina. She completed residency training in Anatomic Pathology at Georgetown University followed by subspecialty fellowship training in molecular diagnostics and experimental pathology.

    Quick Guide Alcohol Abuse: 12 Health Risks of Chronic Heavy Drinking

    What is alcohol?

    Alcohol is a part of many social occasions, from family dinners to parties, to sporting events and nightcaps. The problems associated with alcoholism are well known, but what about the impact of social drinking or a moderate intake of alcohol? Does alcohol belong in our diet, or does the risk that it presents outweigh any benefits that may be derived from consuming it?

    The truth is that no one needs alcohol to live, so regardless of what you’ve heard or want to believe, alcohol is not essential in our diets. We consume alcohol to relax, socialize, and/or celebrate. Depending on your health, age, and the amount that you consume there may be some added health benefits, but the negative consequences when consumed in excess far outweigh these benefits. Many believe that as long as they are not an alcoholic they are not at risk for any health problems. This may or may not be the case depending on many factors. If you want to be able to drink and gain any benefits that exist, while avoiding any of the negative consequences, you need to understand alcohol and learn about the research and guidelines for safely consuming it in moderation.

    Good nutrition can help to improve your health and prevent diseases. The essential nutrients that your body needs are carbohydrates, protein, fat, vitamins, minerals, and water. The term “essential” means that if you remove one of these nutrients from your diet, there will be a deficiency that causes health problems. Alcohol would not fall under the category of an essential nutrient because not having it in your diet does not lead to any sort of deficiency. Alcoholic beverages primarily consist of water, alcohol (ethanol), and different amounts of sugar. The calories come from the alcohol and sugar and are considered “empty calories” because of the lack of the other essential nutrients. It’s something that you may choose to add to your diet, but it’s not something that you need in it.

    Alcohol is actually classified as a drug and is a known depressant. Under this category, it is the most widely used drug in the world. According to the National Institute of Alcohol Abuse and Alcoholism (NIAAA), in the United States, 17.6 million people — about one in every 12 adults — abuse alcohol or are alcohol-dependent. The majority of the population consumes alcohol moderately or occasionally. You do not need to be an alcoholic for alcohol to interfere with your health and life. The potential to become addicted to alcohol is a serious problem that can affect anyone.

    Reviewed on 2/17/2016

    Cassady, B.A. “Beverage Consumption, Appetite, and Energy Intake: What Did You Expect?” Am J Clin Nutr. 95.3 Mar. 2012: 587-593.

    Caton, S.J. “Acute Effects of an Alcoholic Drink on Food Intake: Aperitif Versus Co-ingestion.” Physiol Behav. 90(2-3) Feb. 28, 2007: 368-375.

    DiMeglio, D.P. “Liquid Versus Solid Carbohydrate: Effects on Food Intake and Body Weight.” Int J Obes Relat Metab Disord. 24.6 June 2000: 794-800.

    Goralczyk, R. “Beta-Carotene and Lung Cancer in Smokers: Review of Hypotheses and Status of Research.” Nutr Cancer. 61.6 (2009): 767-774.

    Halsted, C.H. “Metabolic Interactions of Alcohol and Folate.” J Nutr. 132(8 Suppl) Aug. 2002: 2367S-2372S.

    Latt, N. “Thiamine in the Treatment of Wernicke Encephalopathy in Patients With Alcohol Use Disorders.” Intern Med J. 44.9 Sept. 2014: 911-915.

    Laufer, E.M. “Effects of Moderate Alcohol Consumption on Folate and Vitamin B(12) Status in Postmenopausal Women.” Eur J Clin Nutr. 58.11 Nov. 2004: 1518-1524.

    Poppitt, S.D. “Beverage Consumption: Are Alcoholic and Sugary Drinks Tipping the Balance Towards Overweight and Obesity?” Nutrients. 7.8 Aug. 11, 2015: 6700-6718.

    Singleton, C.K. “Molecular Mechanisms of Thiamine Utilization.” Curr Mol Med. 1.2 May 2001: 197-207.

    Stermer, E. “Alcohol Consumption and the Gastrointestinal Tract.” Isr Med Assoc J. 4.3 Mar. 2002: 200-202.

    Stickel, F. “Review Article: Nutritional Therapy in Alcoholic Liver Disease.” Aliment Pharmacol Ther. 18.4 Aug. 15, 2003: 357-373.

    Subramanya, S.B. “Chronic Alcohol Consumption and Intestinal Thiamin Absorption: Effects on Physiological and Molecular Parameters of the Uptake Process.” Am J Physiol Gastrointest Liver Physiol. 299.1 July 2010: G23-31

    Switzerland. World Health Organization. “Global Strategy to Reduce Harmful Use of Alcohol.” http://www.who.int/substance_abuse/activities/gsrhua/en/ .

    Thomson, A.D. “Mechanisms of Vitamin Deficiency in Chronic Alcohol Misusers and the Development of the Wernicke-Korsakoff Syndrome.” Alcohol Suppl. 35.1 May-June 2000: 2-7.

    Traversy, G. “Alcohol Consumption and Obesity: An Update.” Curr Obes Rep. 4.1 (2015): 122-130.

    United States. National Institute on Alcohol Abuse and Alcoholism. “The Role of Thiamine Deficiency in Alcoholic Brain Disease.” July 2004. http://pubs.niaaa.nih.gov/publications/arh27-2/134-142.htm .

    United States. National Institutes of Health, Office of Dietary Supplements. “Folate.” Feb. 11, 2016. https://ods.od.nih.gov/factsheets/Folate-HealthProfessional/ .

    United States. National Institutes of Health, Office of Dietary Supplements. “Vitamin A.” Feb. 11, 2016. https://ods.od.nih.gov/factsheets/Folate-HealthProfessional/ .

    United States. National Institutes of Health, Office of Dietary Supplements. “Vitamin B12.” Feb. 11, 2016. https://ods.od.nih.gov/factsheets/Folate-HealthProfessional/ .

    Wakabayashi, L. “Frequency of Heavy Alcohol Drinking and Risk of Metabolic Syndrome in Middle-Aged Men.” Alcohol Clin Exp Res. 38.6 June 2014: 1689-1696.

    Yeomans, M.R. “Alcohol and Food Intake.” Curr Opin Clin Nutr Metab Care. 6.6 Nov. 2003: 639-644.

    Yeomans, M.R. “Alcohol, Appetite and Energy Balance: Is Alcohol Intake a Risk Factor for Obesity?” Physiol Behav. 100.1 Apr. 26, 2010: 82-89.

    Yeomans, M.R. “Effects of Alcohol on Food and Energy Intake in Human Subjects: Evidence for Passive and Active Over-consumption of Energy.” Br J Nutr. 92 Suppl 1 Aug. 2004: S31-4.


    New York Payday Loan Solutions, Your Approved! Bad credit is NEVER A Problem, payday loan help.#Payday #loan #help


    New York Payday Loan Solutions

    New York Payday Loan Solutions Loan Center

    Commercial for New York Payday Loan Solutions’s Business Located at 180 Church Street New York, NY 10013

    Payday loan help

    Have you ever experienced a dilemma when you are in the need of some fast cash? Then getting a payday loan or cash advance may be able to help you during this dilemma. A cash advance can be described as a short term loan that usually ranges between $100 and $1,500. Individuals are able to use these loans when they’re experiencing a financial problem. Online cash advances helps you get approved immediately. Then you will see the money directly transferred in your account. A lot of the time, the funds may be deposited in your checking account within hours. Others may be as little as 24 hours. An online payday loan that will assist you to come up with some fast money whenever you need it. Right from the comfort of your home. We have simplified our application process. We do not believe in asking thousands of questions. Our staff already knows that you are stressed out. So why make matters worse? That is a great quality our company can have. We know that you may be needing a payday loan or cash advance. But we still give you the privacy you want as well. No matter the reason for the payday loan, we have your answers covered.

    There are numerous payday cash advances where a credit check is required. This is why people often have a hurdle to jump over when applying for loans. Online cash advances commonly require a credit rating check as well. For those who have been denied for a financial loan, New York Payday Loan Solutions can still provide you with an instant cash advance loan. We have a provider for granting pay day loans to individuals. Even without any need of a good line of credit. In case you are experiencing a difficult time with the credit, then getting a fast cash advance loan is an easy way to deal with your urgent situation. No credit? Then no problem with us. Unlike other companies who require credit checks, we do not. It is our job to ensure you receive the funds you are looking for. Not to belittle you. That is why we have returning customers. Our customer service care is excellent! We treat all customers as friends and family.

    We want you to know that we truly protect your information. New York Payday Loan Solutions is just as concerned as you may be regarding your financial safety and security. Every one of our transactions that any of us handle regarding cash advances or loans, are encrypted with the highest level of encryption available today. This means both your financial and private information will always be safe. You will be given a membership through us. This will give you a very secure location for you to handle the details on your cash advance or payday loan. Additionally, you can feel free to use the account at any time. It is easy so you can update your information. You are also able to view your personal history of loans. All of our clients have high importance to all of us. We are proud to take care of your entire payday loan and cash advance needs. Esepcially in a very secure and safe process.

    We are aware that everybody needs some help with financial problems at some point or another. People everywhere in the United States are making use of the internet to discover short term cash solutions. This allows them to meet their financial requirements. In recent studies which have been carried out by our agency, will demonstrate how pleased our clients actually are. It is our goal to help you financially. We are not here to create more debt for you and your family. Unlike other payday loan companies, there is no limit to loans. Once you have fully completed a previous payday loan or cash advance, you can apply again. There is always a need for more money. As long as you can provide good standing payments, you can re-apply. Again, our goal is to help you, not hurt you. There are a great number of explanations that an individual requires a payday loan or cash advance. Some examples include:

    • Have extra cash for a vacation or additional kinds of entertainment needs
    • Maintenance of regular monthly bills
    • Managing an unanticipated medical expense
    • Dealing with unexpected expenses which includes a automobile

    An online cash advance can usually be seen as a solution. When you’re requiring some fast cash that should be applied in a correct method. There are people who have noticed payday loan and cash advances are certainly more affordable. This is better than those who are not paying their bills by the due date. Then you would create late charges or penalty charges. The worst thing to do is to write a check knowing it will bounce. This problem can create serious financial penalties. The following list below shows you a comparison between Annual Percentage Rates, (APR for short) of payday loans as well as cash advances. Along with other financial alternate options you might be introduced with if you receive an issue with your money flow. They are expressed as APR’s for length of time 14 days:

    • $100.00 payday loan or cash advance having a $20.00 fee = APR of 521%
    • $100.00 credit cards balance having a $30.00 late charge = APR of 800%
    • $100.00 for an bounced check having a $50.00 bank as well as merchant fees = APR of 1,304%
    • $100.00 for just a electricity bill having a $60.00 late or reconnect fee is a APR of 1,564%

    Online cash advance and payday loans are usually a fast and convenient financial product. They provide people a short term financial tool for dealing with matters that appear unexpectedly. Especially whenever you actually need some fast cash. When you’re requiring some quick funds, there is never a better solution than getting an online payday loan or cash advance loan. With New York Payday Loan Solutions, we can normally answer all of your financial questions with a YES! Yes we can help you. Yes we can give you funds today. Yes you can re-apply as many times as you want. Yes we are always available to help you with your loan. Whenever you are confronted with bills that you was not expecting, do not worry. That is what New York Payday Loan Solutions is here for. Even if you have unanticipated automobile repairs, or perhaps just in need of cash for any special event. Just make time to visit us so that you can see all of the services that we simply presents to you.

    Payday loan help

    If you stay in Nashville, TN we have good relations with Nashville Payday Loan Solution. We highly recommend them for all your

    needs. They also offer Cash advances and Check cashing.



    HECS-HELP – Study Assist, help loan.#Help #loan


    StudyAssist

    Information for students about government assistance for financing tertiary study.

    Skip Navigation

    In this section

    HECS-HELP

    On this page:

    Important notice – Higher Education reforms announcement

    The Australian Government has announced a range of reforms to improve the higher education sector. These reforms will deliver a more sustainable sector, more choices for students and increase transparency and accountability in higher education.

    For more information about how these changes might affect you, click here.

    For more detail about the reform measures, visit the Department of Education and Training Higher Education Reforms webpage (opens in a new tab).

    What is HECS‑HELP?

    HECS‑HELP is a loan scheme for eligible students enrolled in Commonwealth supported places to pay their student contribution amounts. It cannot be used for additional study cost such as accommodation or text books.

    Am I eligible for HECS‑HELP?

    To be eligible for HECS‑HELP, you must:

    • be studying in a Commonwealth supported place;
    • be an Australian citizen; or
    • be a New Zealand Special Category Visa holder who meets the long-term residency requirements; or
    • be a permanent humanitarian visa holder;
    • be enrolled in each unit at your university by the census date;
    • meet the relevant HECS-HELP residency requirements;
    • read the HECS‑HELP and Commonwealth supported places information booklet; and
    • submit a valid Request for Commonwealth support and HECS‑HELP form by the census date (or earlier administrative date) to your university.

    Return to top

    What are the HECS-HELP residency requirements?

    If you are an Australian citizen you will meet the HECS-HELP residency requirements if your university reasonably expects that you will undertake at least some of your course of study in Australia.

    You will not meet the HECS-HELP residency requirements if your university reasonably expects that you will not undertake any of your course in Australia. For example, if you intend on studying overseas via distance education for your entire course, then you would not meet the HECS-HELP residency requirements.

    You will need to confirm with your university as to what their expectations are in relation to the residency requirements. In addition to HECS-HELP residency requirements, universities often have their own specific requirements for distance education students – for example, it is not uncommon for universities to expect that their distance education students complete a portion of their studies on-campus in Australia, which could be one unit, or one semester etc.

    For eligible New Zealand Special Category Visa holders

    If you are a New Zealand Special Category Visa (NZ SCV) holder (who meets the specific NZ SCV residency requirements for HELP loans), you must be resident in Australia for the duration of your unit(s) to meet the HECS-HELP residency requirements. However, any period of residence outside Australia will be disregarded if:

    • it cannot reasonably be regarded as indicating an intention to reside outside Australia for the duration of the unit; or
    • it is required for the purpose of completing a requirement of that unit.

    For permanent humanitarian visa holders

    If you are a permanent humanitarian visa holder, you must be resident in Australia for the duration of your unit(s) to meet the HECS-HELP residency requirements. However, any period of residence outside Australia will be disregarded if:

    • it cannot reasonably be regarded as indicating an intention to reside outside Australia for the duration of the unit; or
    • it is required for the purpose of completing a requirement of that unit.

    Who is not eligible for HECS-HELP?

    If you are a permanent (non-humanitarian) visa holder, or a New Zealand citizen (who either does not meet the NZ SCV residency requirements for HELP loans or does not hold Australian citizenship), you are not eligible for HECS-HELP. You must pay your student contributions upfront to your university by the census date.

    How much will a HECS‑HELP loan cost me?

    There is no real interest charged on HECS‑HELP loans. However, your debt will be indexed each year to reflect changes in the Consumer Price Index to maintain its real value.

    The indexation adjustment is made by the Australian Taxation Office on 1 June each year and applies to the portion of your debt that has been unpaid for 11 months or more. For more information see Interest and indexation.

    Can I change my payment option?

    You can change your HECS‑HELP payment option before the census date (or earlier administrative date) for the relevant study period. If you have not made an upfront payment by the census date, any unpaid student contribution amount at the end of the census date will be deferred automatically as a HECS‑HELP loan (and become a HELP debt), provided you have included your TFN on your submitted Request for Commonwealth support and HECS‑HELP form.

    If you have any further queries about changing your payment option, the student administration/enrolments area of your university will be able to assist you.

    How do I repay my HECS‑HELP loan?

    See Paying back my loan for more information on repaying your HECS‑HELP loan.

    Need more information?

    Please see our Frequently Asked Questions or ask a question via the Contact us page.



    FinAid, Financial Aid Applications and FAFSA Help, help loan.#Help #loan


    help loan

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    Undergraduate scholarships and graduate fellowships are forms of aid that help students pay for their education. Unlike student loans, scholarships and fellowships do not have to be repaid. Hundreds of thousands of scholarships and fellowships from several thousand sponsors are awarded each year.

    When to Apply

    Help loan

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    You should apply for aid every year, even if you think you don’t qualify. There are many factors affecting eligibility for financial aid, like a change in family financial circumstances. For example, a student who didn’t qualify one year might become eligible during the next year when a brother or sister enrolls in college.

    To apply for student financial aid from the federal government, including the Pell Grant, Perkins Loan, Stafford Loan and work-study, you will need to submit financial aid applications, the most important of which is the Free Application for Federal Student Aid (FAFSA). Before you fill out the FAFSA, it’s imperative that you get to know the form a little better. In doing so, you may be able to qualify for more financial aid, helping you further along the path of going to college.

    If you want to get an early estimate of what the government thinks you can afford to pay for your education, try FinAid’s Financial Aid Estimation Form. It lets you play what-if games to give you an idea how changes in income and assets affect the expected family contribution (EFC). FinAid also has a variety of other EFC calculators such as the QuickEFC calculator which provides an approximation of the EFC with one tenth the questions.



    Student Loan Help, help with student loan debt.#Help #with #student #loan #debt


    help with student loan debt

    Goodbye, student loan debt. Hello, future!

    Help with student loan debt

    Get student debt answers now.

    A nonprofit NFCC Certified Student Loan Counselor will review all of your finances and help you develop a personal debt repayment plan, all for a nominal fee.*

    What s in it for you

    • A thorough evaluation of your entire personal financial situation—not just your student loans.
    • An audit of your current loans and their terms.
    • Comprehensive, one-on-one guidance through all student debt repayment options.
    • A full financial game plan, including which debt repayment plans are right for you.

    Here s what comes next

    • Set up a secure login.
    • Create your own confidential, financial profile online.
    • Be contacted by a nonprofit NFCC member agency.

    Ready? Set up your profile here.

    *Nonprofit, student loan counseling fees vary by NFCC member agency.

    I made the call. 1

    Help with student loan debt

    None of this was my fault, but it was my problem. Years ago, I co-signed a student loan with my then-husband. After we divorced, it stayed in his name. I made payments until the bank notified me the debt was forgiven. It wasn’t.

    Julie K Minnesota

    I didn’t leave school by choice. Two major health issues made the decision for me. By then, I had about $14,500 in federal student loans. Given my circumstances, I defaulted.

    1 Stories above represent actual NFCC client experiences.

    Student loan counseling.

    Comprehensive

    review of your financial situation, including current income, living expenses, all debt and your long-term goals.

    Customized

    game plan that doesn’t undermine your personal short- and long-term goals by just directing you to a plan with the lowest current payment.

    Complete

    assessment that looks beyond income-based programs and consolidation to see if other avenues for retiring your debt might be available and make more sense for you.

    Why choose us?

    Gain access to over 60 years of experience helping borrowers like you get answers to all of their debt-related concerns, including student debt solutions.

    Help with student loan debt

    Answers

    We are experts on the ins and outs of student borrowing and repayment and on how to minimize its impact on your overall financial health. We work with you every step along the way until your issues are resolved.

    Help with student loan debt

    Nonprofit

    You always know where you stand and who to call with questions about your student loans and any other financial issues that arise over time.

    Help with student loan debt

    Local to you

    NFCC member agencies have office locations in all 50 states and Puerto Rico, which are staffed by NFCC Certified Credit Counselors.

    Be informed.

    Knowledge is power. To help you make the best decisions possible for your future, we keep you updated with access to a wealth of useful tools and resources.

    Get the latest insights on recent news regarding student loans and your personal finances.

    From calculators to definitions, find what you need to make better financing and repayment decisions here.

    Who is the NFCC?

    Founded in 1951, the National Foundation for Credit Counseling (NFCC ) is the nation’s first and largest nonprofit dedicated to improving people’s financial well-being.

    NFCC members help millions of consumers like you through community-based offices located in all 50 states and Puerto Rico. Each NFCC member agency has earned our seal by adhering to high standards and ethical practices designed to help you achieve financial stability.

    Member agencies are able to offer their services for nominal fees based on their current funding status. Funding for operations and services comes from an ever-changing combination of federal, state and local government grants, as well as donations from financial industry participants and private donors.

    For more on the NFCC, visit www.NFCC.org

    Thank you to our funders.

    The Sharpen Your Financial Focus program is an initiative of the National Foundation for Credit Counseling (NFCC) in partnership with a broad cross-section of supporters. Together, we are committed to increasing the financial well-being of Americans. This initiative is partially funded by Bank of America, Chase, Synchrony Financial, Wells Fargo and other major financial institutions. We thank all funders and partners who make this program possible. For more information, visit www.SharpenToday.org.

    National Foundation for Credit Counseling



    Student loan debt: Why employers may want to help pay off college loans, help with student loan debt.#Help #with #student #loan #debt


    Here s why employers may want to help out on the mountain of student loan debt

    Help with student loan debt

    Employers eager to recruit and retain skilled workers in a tight labor market have about 1.34 trillion reasons to expand their benefits package to include assistance in helping employees repay their student loans.

    That’s the mountain of student loan debt being carried on the financial shoulders of 44 million Americans. And no surprise, the bulk of those would indeed love for the boss to kick in and help pay it back.

    More than 80 percent of workers with student loans surveyed by IonTuition said they would like to work for a company that provides a student loan repayment benefit. IonTuition, a fintech company focused on services to help borrowers manage their repayments, mostly surveyed millennials.

    Yet there is plenty of reason to suspect older workers would be eager for the perk, too. According to Federal Reserve data, borrowers at least 40 years old have a not-small $450 billion in student loans to pay off. A big part of that older cohort are parents who borrowed through the federal PLUS program or took out private student loans.

    The benefit is still clearly in the early adopter stage with just 3 percent of firms surveyed by AonHewitt currently offering student loan repayment assistance. AonHewitt says an additional 5 percent of surveyed companies say they are likely to add the benefit and 24 percent are moderately interested in adding the benefit.

    “Employers are incredibly curious and engaged around the issue given all the news about student loan debt,” said Balaji “Raj” Rajan , chief executive officer of IonTuition. He said IonTuition fields two or three inquiries a day from companies interested in adding student loan repayment assistance.

    A few big old-line firms including Aetna, Fidelity, PwC and Penguin Random House have begun to contribute to employees’ loan payments. Earlier this summer, the city of Memphis, Tennessee, announced it will contribute $50 a month toward employees’ student loan repayment.

    Adoption of the benefit is more common among smaller and mid-size companies with nimbler decision trees and the need to position benefits as a competitive edge in recruiting, according to Meera Oliva, chief marketing officer at Gradifi, a subsidiary of First Republic that provides a student loan benefit platform for employers, including PwC and Penguin Random House.

    Gradifi has more than 140 employer clients offering repayment assistance and is adding a half dozen or more monthly. “The bulk of our business is companies coming to us, not the other way around,” Oliva said.

    An employer contribution of $50 or $100 a month is common among the first movers. That can indeed be a big help, as IonTuition reports that about three-quarters of borrowers make monthly payments of $300 or less.

    Employer contributions go toward principal repayment. Gradifi’s website includes a free tool for employees to see how an employer assist can aid employee financial wellness. For instance, someone aiming to pay off $35,000 in debt over 10 years might be able to shave off 2.5 years and save some serious coin in the process:

    Help with student loan debt

    Waiting on Washington

    Chris Walters, chief executive officer of Gradfin, another student loan repayment and management tech platform, said the tax code is keeping plenty of interested employers on the sidelines.

    “If an employer contributes $100 a month toward student loan repayment, it costs $107.65 a month because it is treated as compensation and requires paying the employer share of the payroll tax,” Walters said.

    Moreover, the benefit is taxable to the employee as compensation.

    “It’s going to take a change in the tax code to see large growth in the benefit,” he said.

    More from College Game Plan

    These states have the worst student debt

    Bipartisan bills in the House and Senate would put student loan repayment assistance on par with employer tuition assistance, which currently allows employers to give employees up to $5,250 a year tax-free for tuition costs.

    The cost of that tax break likely makes for some tough sledding in this current Congress. Walters says that’s missing the bigger picture.

    “The federal government, meaning taxpayers, are already losing plenty in terms of defaulted student loans, and income-based plans that will be forgiven,” he said.

    “Congress should be worried about those losses. If the private sector comes in and improves debt repayment the Federal government is going to get paid more.”

    (Correction: This story has been updated to correct the spelling of Balaji “Raj” Rajan.)



    Federated Financial, Debt Relief & Payday Loan Consolidation, payday loan help.#Payday #loan #help


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    Medical, & Credit Card Debt

    Federated Financial is not only a consumer education organization dedicated to teaching the skills necessary for a secure financial future it is also the best place to get you out of debt once and for all! Our Debt Consolidation Company is in it’s 20th year of providing excellent service.

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    FREE No obligation quote fill out the form below or Call Us Now!

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    Our program may be able to help YOU:

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    If you feel overwhelmed with debt, We may be able to Help!

    Our Credit Card Consolidation, Medical Debt Consolidation, Payday Loan Consolidation & Advance Loan Consolidation programs are designed to eliminate your debt. Our full budget analysis allows us to properly facilitate your gradual debt reduction. Please give us a call to learn more or fill out the form above!

    Payday Loan Consolidation

    The thought of quick cash has lured many desperate people into taking out a payday loan. Then the vicious cycle begins: even if you manage to pay off the loan, new bills pile atop old bills and another loan has to be taken out for the next pay cycle. Add origination fees and rollover fees, and suddenly you are in a world of hurt. The way you deal with your money on a daily basis can impact your life for many years to come. We can show you that sound financial practices do not always require “doing without, or giving up.” All unsecured loans (loans without collateral), still tend to be higher interest than many alternatives with collateral.

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    Loan Debt Consolidation

    Debt Consolidation And Your Attitude Towards Money, The way you deal with your money on a daily basis can impact your life for years to come. We can show you that sound financial practices do not always require “doing without.” With financial education and planning, you employ learned skills to do so much more with what you have. When you are able to manage money efficiently, you can budget for emergencies, vacations, a new baby, holidays, college, a home, a car, or retirement.

    Debt Consolidation Company

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    This site contains copyrighted material the use of which has not always been specifically authorized by the copyright owner. We are making such material available in our efforts to advance understanding of environmental, political, human rights, economic, democracy, scientific, and social justice issues, etc. We believe this constitutes a ‘fair use’ of any such copyrighted material as provided for in section 107 of the US Copyright Law. In accordance with Title 17 U.S.C. Section 107, the material on this site is distributed without profit to those who have expressed a prior interest in receiving the included information for research and educational purposes. For more information go to: www4.law.cornell.edu/uscode/17/107.html. If you wish to use copyrighted material from this site for purposes of your own that go beyond ‘fair use’, you must obtain permission from the copyright owner. Not Available in All States

    Copyright © 2002-2017 Federated Financial – All Rights Reserved | Disclosure Statement | Privacy Policy



    Payday Advance Loans Online, Low Interest Fee Payday Loan, payday loan help.#Payday #loan #help


    No Fee to Apply For Our Payday Advance Loans Online

    Payday loan help

    If you’re looking for cash fast, then one of our low cost payday loans can help. Ideal for those occasions where some sort of unexpected or emergency expenditure has cropped up, a short term loan is a great way of paying that unexpected bill or funding an essential repair without ending up making repayments for years at a time. Not only do we offer low fee payday loans, we don’t charge you anything to apply for one. This means that if we can’t help with a low fee cash advance, you’re no worse off then you were before. In the event that your application for low interest payday loans online is successful, we charge one of the lowest fees you’ll find. Our competitive fees of $15 for every $100 of cash you borrow are the only costs you’ll pay, provided you meet our terms and conditions. This means that as long as you meet the repayment requirements as laid down in the agreement, there will be no further fees, administrative charges or service costs. We aim to provide a clear, straight-forward instant payday loans online service that gives all our customers access to rapid cash with no hidden costs. Our fees page tells you more about what to pay when you use our cash advance payday loan service.

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    Student Loan Help, help with student loan debt.#Help #with #student #loan #debt


    help with student loan debt

    Goodbye, student loan debt. Hello, future!

    Help with student loan debt

    Get student debt answers now.

    A nonprofit NFCC Certified Student Loan Counselor will review all of your finances and help you develop a personal debt repayment plan, all for a nominal fee.*

    What s in it for you

    • A thorough evaluation of your entire personal financial situation—not just your student loans.
    • An audit of your current loans and their terms.
    • Comprehensive, one-on-one guidance through all student debt repayment options.
    • A full financial game plan, including which debt repayment plans are right for you.

    Here s what comes next

    • Set up a secure login.
    • Create your own confidential, financial profile online.
    • Be contacted by a nonprofit NFCC member agency.

    Ready? Set up your profile here.

    *Nonprofit, student loan counseling fees vary by NFCC member agency.

    I made the call. 1

    Help with student loan debt

    None of this was my fault, but it was my problem. Years ago, I co-signed a student loan with my then-husband. After we divorced, it stayed in his name. I made payments until the bank notified me the debt was forgiven. It wasn’t.

    Julie K Minnesota

    I didn’t leave school by choice. Two major health issues made the decision for me. By then, I had about $14,500 in federal student loans. Given my circumstances, I defaulted.

    1 Stories above represent actual NFCC client experiences.

    Student loan counseling.

    Comprehensive

    review of your financial situation, including current income, living expenses, all debt and your long-term goals.

    Customized

    game plan that doesn’t undermine your personal short- and long-term goals by just directing you to a plan with the lowest current payment.

    Complete

    assessment that looks beyond income-based programs and consolidation to see if other avenues for retiring your debt might be available and make more sense for you.

    Why choose us?

    Gain access to over 60 years of experience helping borrowers like you get answers to all of their debt-related concerns, including student debt solutions.

    Help with student loan debt

    Answers

    We are experts on the ins and outs of student borrowing and repayment and on how to minimize its impact on your overall financial health. We work with you every step along the way until your issues are resolved.

    Help with student loan debt

    Nonprofit

    You always know where you stand and who to call with questions about your student loans and any other financial issues that arise over time.

    Help with student loan debt

    Local to you

    NFCC member agencies have office locations in all 50 states and Puerto Rico, which are staffed by NFCC Certified Credit Counselors.

    Be informed.

    Knowledge is power. To help you make the best decisions possible for your future, we keep you updated with access to a wealth of useful tools and resources.

    Get the latest insights on recent news regarding student loans and your personal finances.

    From calculators to definitions, find what you need to make better financing and repayment decisions here.

    Who is the NFCC?

    Founded in 1951, the National Foundation for Credit Counseling (NFCC ) is the nation’s first and largest nonprofit dedicated to improving people’s financial well-being.

    NFCC members help millions of consumers like you through community-based offices located in all 50 states and Puerto Rico. Each NFCC member agency has earned our seal by adhering to high standards and ethical practices designed to help you achieve financial stability.

    Member agencies are able to offer their services for nominal fees based on their current funding status. Funding for operations and services comes from an ever-changing combination of federal, state and local government grants, as well as donations from financial industry participants and private donors.

    For more on the NFCC, visit www.NFCC.org

    Thank you to our funders.

    The Sharpen Your Financial Focus program is an initiative of the National Foundation for Credit Counseling (NFCC) in partnership with a broad cross-section of supporters. Together, we are committed to increasing the financial well-being of Americans. This initiative is partially funded by Bank of America, Chase, Synchrony Financial, Wells Fargo and other major financial institutions. We thank all funders and partners who make this program possible. For more information, visit www.SharpenToday.org.

    National Foundation for Credit Counseling



    Help with student loan debt, help with student loan debt.#Help #with #student #loan #debt


    A Look at the Shocking Student Loan Debt Statistics for 2017

    Help with student loan debt

    Updated: September 13, 2017

    It s 2017 and Americans are more burdened by student loan debt than ever.

    You ve probably heard the statistics: Americans owe over $1.45 trillion in student loan debt, spread out among about 44 million borrowers. That s about $620 billion more than the total U.S. credit card debt. In fact, the average Class of 2016 graduate has $37,172 in student loan debt, up six percent from last year.

    But how does this break down at a more granular level? Are student loans being used to attend public or private universities? Is it mostly from four-year or graduate degrees? What percentage of overall graduates carry debt? Are more grads utilizing private student loan consolidation and refinancing?

    Let s take a look.

    BONUS: Get a PDF of these statistics to print out, save, or send

    General student loan debt facts

    First, let’s start with a general picture of the student loan debt landscape. The most recent reports indicate there is:

    • $1.45 trillion in total U.S. student loan debt
    • 44.2 million Americans with student loan debt
    • Student loan delinquency rate of 11.2% (90+ days delinquent or in default)
    • Average monthly student loan payment (for borrower aged 20 to 30 years): $351
    • Median monthly student loan payment (for borrower aged 20 to 30 yea rs ): $203

    Public Service Loan Forgiveness statistics

    As of Q1, 2017 (latest available data)

    PSLF Borrowers: 611,598*

    * Total number of borrowers who have one or more approved PSLF Employment Certification Forms (ECF)

    Note that borrowers are self-identified based on submission of an ECF.

    Federal student loan portfolio

    (updated for Q2, 2017)

    Now let’s dive into how much debt student loan borrowers carry by loan type, term, and more.

    Student loan debt statistics by loan program:

    Student loan debt statistics by loan type:

    Student debt statistics by loan status (Direct Loan Program)

    Student loan statistics by repayment plan (Direct Loan Program)

    Student loan debt by servicer

    (updated for June 30, 2016)

    Data Source: National Student Loan Data System

    More shocking student loan debt statistics

    If those numbers weren’t stunning enough, here’s a closer look at how students accumulate debt based on the type of school they attend.

    In 2012, 71 percent of students graduating from four-year colleges had student loan debt:

    • Represents 1.3 million students graduating with debt, increase from 1.1 million in 2008
    • 66 percent of graduates from public colleges had loans (average debt of $25,550)
    • 75 percent of graduates from private nonprofit colleges had loans (average debt of $32,300)
    • 88 percent of graduates from for-profit colleges had loans (average debt of $39,950)

    Twenty percent of 2012 graduate loans were private

    Graduates who received Pell Grants were likely to borrow, and borrow more:

    • 88 percent of graduates who received Pell Grants had student loans in 2012, with an average balance of $31,200
    • 53 percent of those who didn’t receive a Pell Grant had student loan debt and borrowed $4,750 less ($26,450)

    Private student loan debt statistics

    • Private student loan debt is on the rise; $6.2 billion was borrowed in 2012-2013, up from $5.5 billion in 2011-2012
    • From 2011-2012, borrowers didn’t take advantage of federal student loans as much as they could have: 19 percent didn’t take out Stafford loans, 8 percent didn’t apply for federal financial aid, 11 percent applied for federal aid but didn’t take out a Stafford loan, 28 percent had Stafford loans but borrowed less than they were eligible for
    • In 2011-2012, 48 percent of private loan borrowers attended schools that had tuition costs of $10,000 or less
    • Nearly 1.4 million undergraduates borrowed private loans in 2011-2012

    Graduate student loan debt

    About 40 percent of the $1 trillion student loan debt was used to finance graduate and professional degrees.

    Combined undergraduate and graduate debt by degree:

    • MBA = $42,000 (11% of graduate degrees)
    • Master of Education = $50,879 (16%)
    • Master of Science = $50,400 (18%)
    • Master of Arts = $58,539 (8%)
    • Law = $140,616 (4%)
    • Medicine and health sciences = $161,772 (5%)

    Clearly, as these student loan debt statistics show, the cost of attending college is becoming a growing burden for a huge portion of Americans.

    What are you doing to pay off your debt and ensure you aren’t another statistic? Be sure to let us know how we can help.



    5 Tips for Paying Off Student Debt You – re Better Off Ignoring, Student Loan Hero, help with student loan debt.#Help #with #student #loan #debt


    5 Student Loan Tips You’re Better Off Ignoring

    Help with student loan debt

    Rebecca Safier

    Help with student loan debt

    There’s no one-size-fits-all approach when it comes to paying off student loan debt. You need to know what works for your personal situation. W hat helps one person could actually harm someone else.

    Here are five common pieces of advice that don’t always pan out so well for borrowers. Read on to learn what’s wrong with these student loan tips and what you should do instead.

    1. Switching to an income-driven repayment plan saves you money

    If you have federal student loans, switching to an income-driven repayment plan can help lower your monthly payments. There are four income-driven repayment plans and each caps your monthly payment at 10 to 20 percent of your discretionary income. If you’re struggling to make your current payments, one of these plans could ease the burden.

    But switching to an income-driven repayment plan also has downsides. To lower your monthly payments, these plans extend your repayment term to 20 or 25 years. Adding a decade or more to your standard repayment plan means you’ll pay a lot more in interest over the life of your loan.

    After you make payments for 20 or 25 years, the remaining balance of your student loans is forgiven. It s not free money though — the forgiven amount will be treated as taxable income. So even if your debt is forgiven, you could be hit with a hefty tax bill.

    So before jumping onto an income-driven repayment plan, assess your financial needs. Perhaps you can increase your income or lower your cost of living to better afford your student loans. Maybe you can qualify for a student loan repayment assistance program.

    If you can find a way to stay on the standard 10-year repayment plan, you could save a lot of money in the long run.

    2. Refinancing your student loans is always beneficial

    You may have heard about all the benefits of refinancing student loans. Depending on your creditworthiness and income, you could refinance for lower monthly payments and a better interest rate. Plus, you’ll simplify your monthly payments so you only have to deal with one loan servicer instead of multiple ones.

    But before refinancing, make sure you understand the possible drawbacks. When you refinance with a private lender, you give up federal student loan programs. You’ll no longer have access to income-driven repayment plans or federal loan forgiveness programs, like Public Service Loan Forgiveness (PSLF).

    If you’re worried about losing your income or working toward federal loan forgiveness, refinancing could be a mistake. Refinancing has major benefits for some borrowers, but it’s not right for everyone.

    3. Consolidation and refinancing are the same

    It’s easy to confuse student loan consolidation with student loan refinancing. Both combine multiple loans into one new loan, but the similarities largely end there.

    Consolidation refers to taking out a Direct Consolidation Loan from the federal government. You can only consolidate federal student loans such as Stafford, Perkins, and Direct PLUS loans. The Perkins Loan program closed to new borrowers when it expired on Sept. 30.

    Your new interest rate will be the average weighted interest rate of your old loans, rounded up to the nearest one-eighth of a percent. That means that consolidating does not lower your interest rate. It can help you by extending your repayment plan and it also helps rehabilitate student loans that have gone into default.

    Refinancing, on the other hand, means combining all your private and federal student debt into one new loan with a private lender. It can help lower your interest rate and save you money in the long run. But, as mentioned above, refinancing means you lose access to certain federal loan programs.

    People commonly confuse consolidation and refinancing, but the two processes are different. If you’re interested in simplifying your monthly payments, make sure you understand which approach is better for your individual situation.

    4. You shouldn t start paying back your loans right away

    When you take out federal student loans, you have six months after you graduate before you have to start paying off student debt. This grace period gives you time to look for a job before your student loan bills come rolling in.

    Unfortunately, unsubsidized student loans collect interest during this grace period. In fact, unsubsidized loans collect interest from the day they are disbursed.

    So if you wait until the grace period is over, you might spend a long time paying off interest before you even make a dent in the principal. If possible, try to start paying your loans even before the grace period ends.

    If you don’t have the means to start, at least review your loan terms and get a repayment plan in place. That way, you’ll be prepared when you have to start paying off student debt.

    5. It helps to put your student loans into deferment or forbearance

    Deferment and forbearance allow you to pause payments on your student loans. Often, borrowers defer their loans for up to three years when they go to grad school. Similarly, those faced with a short-term emergency, such as the loss of a job, can use forbearance for up to 12 months.

    But there are risks with both of these options. If you have unsubsidized loans, your debt will continue to accrue interest. After months or even years, your student loan debt could get out of control. Once the deferment or forbearance period ends, you could be left with a huge bill that’s impossible to handle.

    Be cautious about exercising either of these options and calculate exactly how much your student debt will grow if left in deferment or forbearance. Come up with a plan in advance so you’re not left scrambling in the future.

    Educate yourself before accepting student loan advice

    Before acting on student loan tips, make sure you understand all the benefits and drawbacks. A financial move that works for one person might not be right for you.

    The best student loan tips take into account your unique circumstances. Make sure you see the whole picture before taking action on your student loans.



    New York Payday Loan Solutions, Your Approved! Bad credit is NEVER A Problem, payday loan help.#Payday #loan #help


    New York Payday Loan Solutions

    New York Payday Loan Solutions Loan Center

    Commercial for New York Payday Loan Solutions’s Business Located at 180 Church Street New York, NY 10013

    Payday loan help

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    There are numerous payday cash advances where a credit check is required. This is why people often have a hurdle to jump over when applying for loans. Online cash advances commonly require a credit rating check as well. For those who have been denied for a financial loan, New York Payday Loan Solutions can still provide you with an instant cash advance loan. We have a provider for granting pay day loans to individuals. Even without any need of a good line of credit. In case you are experiencing a difficult time with the credit, then getting a fast cash advance loan is an easy way to deal with your urgent situation. No credit? Then no problem with us. Unlike other companies who require credit checks, we do not. It is our job to ensure you receive the funds you are looking for. Not to belittle you. That is why we have returning customers. Our customer service care is excellent! We treat all customers as friends and family.

    We want you to know that we truly protect your information. New York Payday Loan Solutions is just as concerned as you may be regarding your financial safety and security. Every one of our transactions that any of us handle regarding cash advances or loans, are encrypted with the highest level of encryption available today. This means both your financial and private information will always be safe. You will be given a membership through us. This will give you a very secure location for you to handle the details on your cash advance or payday loan. Additionally, you can feel free to use the account at any time. It is easy so you can update your information. You are also able to view your personal history of loans. All of our clients have high importance to all of us. We are proud to take care of your entire payday loan and cash advance needs. Esepcially in a very secure and safe process.

    We are aware that everybody needs some help with financial problems at some point or another. People everywhere in the United States are making use of the internet to discover short term cash solutions. This allows them to meet their financial requirements. In recent studies which have been carried out by our agency, will demonstrate how pleased our clients actually are. It is our goal to help you financially. We are not here to create more debt for you and your family. Unlike other payday loan companies, there is no limit to loans. Once you have fully completed a previous payday loan or cash advance, you can apply again. There is always a need for more money. As long as you can provide good standing payments, you can re-apply. Again, our goal is to help you, not hurt you. There are a great number of explanations that an individual requires a payday loan or cash advance. Some examples include:

    • Have extra cash for a vacation or additional kinds of entertainment needs
    • Maintenance of regular monthly bills
    • Managing an unanticipated medical expense
    • Dealing with unexpected expenses which includes a automobile

    An online cash advance can usually be seen as a solution. When you’re requiring some fast cash that should be applied in a correct method. There are people who have noticed payday loan and cash advances are certainly more affordable. This is better than those who are not paying their bills by the due date. Then you would create late charges or penalty charges. The worst thing to do is to write a check knowing it will bounce. This problem can create serious financial penalties. The following list below shows you a comparison between Annual Percentage Rates, (APR for short) of payday loans as well as cash advances. Along with other financial alternate options you might be introduced with if you receive an issue with your money flow. They are expressed as APR’s for length of time 14 days:

    • $100.00 payday loan or cash advance having a $20.00 fee = APR of 521%
    • $100.00 credit cards balance having a $30.00 late charge = APR of 800%
    • $100.00 for an bounced check having a $50.00 bank as well as merchant fees = APR of 1,304%
    • $100.00 for just a electricity bill having a $60.00 late or reconnect fee is a APR of 1,564%

    Online cash advance and payday loans are usually a fast and convenient financial product. They provide people a short term financial tool for dealing with matters that appear unexpectedly. Especially whenever you actually need some fast cash. When you’re requiring some quick funds, there is never a better solution than getting an online payday loan or cash advance loan. With New York Payday Loan Solutions, we can normally answer all of your financial questions with a YES! Yes we can help you. Yes we can give you funds today. Yes you can re-apply as many times as you want. Yes we are always available to help you with your loan. Whenever you are confronted with bills that you was not expecting, do not worry. That is what New York Payday Loan Solutions is here for. Even if you have unanticipated automobile repairs, or perhaps just in need of cash for any special event. Just make time to visit us so that you can see all of the services that we simply presents to you.

    Payday loan help

    If you stay in Nashville, TN we have good relations with Nashville Payday Loan Solution. We highly recommend them for all your

    needs. They also offer Cash advances and Check cashing.



    Federated Financial, Debt Relief & Payday Loan Consolidation, payday loan help.#Payday #loan #help


    Lower your Payments Starting Now!

    Medical, & Credit Card Debt

    Federated Financial is not only a consumer education organization dedicated to teaching the skills necessary for a secure financial future it is also the best place to get you out of debt once and for all! Our Debt Consolidation Company is in it’s 20th year of providing excellent service.

    GET STARTED NOW!

    FREE No obligation quote fill out the form below or Call Us Now!

    We take your privacy seriously

    Payday loan help

    Payday loan help

    Our program may be able to help YOU:

    Lower your monthly payments
    Significantly reduce your interest rates today!
    Eliminate late fees and over limit fees
    Stop collection calls
    Avoid bankruptcy and legal escalation
    Consolidate your Student Loans and Payday Loans

    If you feel overwhelmed with debt, We may be able to Help!

    Our Credit Card Consolidation, Medical Debt Consolidation, Payday Loan Consolidation & Advance Loan Consolidation programs are designed to eliminate your debt. Our full budget analysis allows us to properly facilitate your gradual debt reduction. Please give us a call to learn more or fill out the form above!

    Payday Loan Consolidation

    The thought of quick cash has lured many desperate people into taking out a payday loan. Then the vicious cycle begins: even if you manage to pay off the loan, new bills pile atop old bills and another loan has to be taken out for the next pay cycle. Add origination fees and rollover fees, and suddenly you are in a world of hurt. The way you deal with your money on a daily basis can impact your life for many years to come. We can show you that sound financial practices do not always require “doing without, or giving up.” All unsecured loans (loans without collateral), still tend to be higher interest than many alternatives with collateral.

    Debt Consolidation Company

    Payday Loan Consolidation Programs can help you with your finances. Interest rates charged by your lenders, consolidate into one low monthly payment, and eliminate or lower all interest fees. This will also help to stop those harassing telephone calls and letters you receive in the mail as a professional debt consolidation team can take care of everything. There is really nothing to lose, enter your details today and find out what we can offer you with our Payday Loan Consolidation Services. If your credit allows, consider applying for a credit card and transferring your balances or obtaining a cash advance.

    Loan Debt Consolidation

    Debt Consolidation And Your Attitude Towards Money, The way you deal with your money on a daily basis can impact your life for years to come. We can show you that sound financial practices do not always require “doing without.” With financial education and planning, you employ learned skills to do so much more with what you have. When you are able to manage money efficiently, you can budget for emergencies, vacations, a new baby, holidays, college, a home, a car, or retirement.

    Debt Consolidation Company

    A strong Debt Consolidation Program can help you with your finances. We Understand the financial stress of illness and unemployment. In other words, you maybe able to sleep a little bit better at night, knowing that you have the power to control your financial future with one of the many Debt Consolidation Programs we have for you.

    Payday Loan Debt Consolidation

    You can use our trusted Payday Loan, Credit Card, & Medical Debt Consolidation Programs to become free from debt.

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    Easy Online Payday Loan, Faxless Payday Loans, payday loan help.#Payday #loan #help


    Get Payday Loans Online Fast

    Payday loan help

    Easy Online Payday Loan is the #1 site for all your no fax payday loan needs. When you need a fast payday loan, Easy Online Payday Loan is here to assist you!

    What is a Payday Loan?

    A payday loan is a short-term loan to cover your spending needs. It is secured against your future paycheck. Cash advance payday loans have grown in popularity over the years and are used by millions of people just like you to pay for unexpected expenses that arise. If there is an emergency and you need money quickly, a cheap personal loan can help. Just be sure to only borrow what you can afford to pay back when you receive your next paycheck.

    Payday Loan Cash Advance Requirements

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    Get information about

    payday loans in your state.

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    Payday loan help Payday loan help

    Why Payday Loans Online Beat the Alternatives

    Our remarkably fast and easy-to-use form is what sets us apart from the other faxless payday loan sites on the Web. Shopping online for your payday loan is much easier than going to a physical location, making it a faster and more convenient way to get the cash you need all from the comfort of your own home. Our trusted lenders offer superior service to a wide variety of consumers, so your financial history will likely not prevent you from being approved for a loan. You can get up to $1000 deposited in your account as soon as tomorrow. Avoid the bounced checks, overdraft and NSF fees by getting a cash advance loan to hold you over until your next paycheck arrives.

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    Consumer Notice: Payday loans are intended for short-term financial needs only, and should not be used excessively. If you have mounting debt or credit troubles, Easy Online Payday Loan suggests you seek the advice of a credit professional.

    *Most lenders fund the next business day. Cash tranfser times vary betweeen lenders. Easy Online Payday Loan has no control over the time it takes to receive your funds.

    **Additional loan requirements may exist. Not all third party lenders have the same qualification requirements; loan services vary from state to state. For more information, please review our Terms of Service.

    Actual loan amounts provided by our affiliates vary based on residency and assessed financial eligibility.



    Student Loan Help, help with student loan debt.#Help #with #student #loan #debt


    help with student loan debt

    Goodbye, student loan debt. Hello, future!

    Help with student loan debt

    Get student debt answers now.

    A nonprofit NFCC Certified Student Loan Counselor will review all of your finances and help you develop a personal debt repayment plan, all for a nominal fee.*

    What s in it for you

    • A thorough evaluation of your entire personal financial situation—not just your student loans.
    • An audit of your current loans and their terms.
    • Comprehensive, one-on-one guidance through all student debt repayment options.
    • A full financial game plan, including which debt repayment plans are right for you.

    Here s what comes next

    • Set up a secure login.
    • Create your own confidential, financial profile online.
    • Be contacted by a nonprofit NFCC member agency.

    Ready? Set up your profile here.

    *Nonprofit, student loan counseling fees vary by NFCC member agency.

    I made the call. 1

    Help with student loan debt

    None of this was my fault, but it was my problem. Years ago, I co-signed a student loan with my then-husband. After we divorced, it stayed in his name. I made payments until the bank notified me the debt was forgiven. It wasn’t.

    Julie K Minnesota

    I didn’t leave school by choice. Two major health issues made the decision for me. By then, I had about $14,500 in federal student loans. Given my circumstances, I defaulted.

    1 Stories above represent actual NFCC client experiences.

    Student loan counseling.

    Comprehensive

    review of your financial situation, including current income, living expenses, all debt and your long-term goals.

    Customized

    game plan that doesn’t undermine your personal short- and long-term goals by just directing you to a plan with the lowest current payment.

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    assessment that looks beyond income-based programs and consolidation to see if other avenues for retiring your debt might be available and make more sense for you.

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    Gain access to over 60 years of experience helping borrowers like you get answers to all of their debt-related concerns, including student debt solutions.

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    We are experts on the ins and outs of student borrowing and repayment and on how to minimize its impact on your overall financial health. We work with you every step along the way until your issues are resolved.

    Help with student loan debt

    Nonprofit

    You always know where you stand and who to call with questions about your student loans and any other financial issues that arise over time.

    Help with student loan debt

    Local to you

    NFCC member agencies have office locations in all 50 states and Puerto Rico, which are staffed by NFCC Certified Credit Counselors.

    Be informed.

    Knowledge is power. To help you make the best decisions possible for your future, we keep you updated with access to a wealth of useful tools and resources.

    Get the latest insights on recent news regarding student loans and your personal finances.

    From calculators to definitions, find what you need to make better financing and repayment decisions here.

    Who is the NFCC?

    Founded in 1951, the National Foundation for Credit Counseling (NFCC ) is the nation’s first and largest nonprofit dedicated to improving people’s financial well-being.

    NFCC members help millions of consumers like you through community-based offices located in all 50 states and Puerto Rico. Each NFCC member agency has earned our seal by adhering to high standards and ethical practices designed to help you achieve financial stability.

    Member agencies are able to offer their services for nominal fees based on their current funding status. Funding for operations and services comes from an ever-changing combination of federal, state and local government grants, as well as donations from financial industry participants and private donors.

    For more on the NFCC, visit www.NFCC.org

    Thank you to our funders.

    The Sharpen Your Financial Focus program is an initiative of the National Foundation for Credit Counseling (NFCC) in partnership with a broad cross-section of supporters. Together, we are committed to increasing the financial well-being of Americans. This initiative is partially funded by Bank of America, Chase, Synchrony Financial, Wells Fargo and other major financial institutions. We thank all funders and partners who make this program possible. For more information, visit www.SharpenToday.org.

    National Foundation for Credit Counseling



    Help with student loan debt, help with student loan debt.#Help #with #student #loan #debt


    A Look at the Shocking Student Loan Debt Statistics for 2017

    Help with student loan debt

    Updated: September 13, 2017

    It s 2017 and Americans are more burdened by student loan debt than ever.

    You ve probably heard the statistics: Americans owe over $1.45 trillion in student loan debt, spread out among about 44 million borrowers. That s about $620 billion more than the total U.S. credit card debt. In fact, the average Class of 2016 graduate has $37,172 in student loan debt, up six percent from last year.

    But how does this break down at a more granular level? Are student loans being used to attend public or private universities? Is it mostly from four-year or graduate degrees? What percentage of overall graduates carry debt? Are more grads utilizing private student loan consolidation and refinancing?

    Let s take a look.

    BONUS: Get a PDF of these statistics to print out, save, or send

    General student loan debt facts

    First, let’s start with a general picture of the student loan debt landscape. The most recent reports indicate there is:

    • $1.45 trillion in total U.S. student loan debt
    • 44.2 million Americans with student loan debt
    • Student loan delinquency rate of 11.2% (90+ days delinquent or in default)
    • Average monthly student loan payment (for borrower aged 20 to 30 years): $351
    • Median monthly student loan payment (for borrower aged 20 to 30 yea rs ): $203

    Public Service Loan Forgiveness statistics

    As of Q1, 2017 (latest available data)

    PSLF Borrowers: 611,598*

    * Total number of borrowers who have one or more approved PSLF Employment Certification Forms (ECF)

    Note that borrowers are self-identified based on submission of an ECF.

    Federal student loan portfolio

    (updated for Q2, 2017)

    Now let’s dive into how much debt student loan borrowers carry by loan type, term, and more.

    Student loan debt statistics by loan program:

    Student loan debt statistics by loan type:

    Student debt statistics by loan status (Direct Loan Program)

    Student loan statistics by repayment plan (Direct Loan Program)

    Student loan debt by servicer

    (updated for June 30, 2016)

    Data Source: National Student Loan Data System

    More shocking student loan debt statistics

    If those numbers weren’t stunning enough, here’s a closer look at how students accumulate debt based on the type of school they attend.

    In 2012, 71 percent of students graduating from four-year colleges had student loan debt:

    • Represents 1.3 million students graduating with debt, increase from 1.1 million in 2008
    • 66 percent of graduates from public colleges had loans (average debt of $25,550)
    • 75 percent of graduates from private nonprofit colleges had loans (average debt of $32,300)
    • 88 percent of graduates from for-profit colleges had loans (average debt of $39,950)

    Twenty percent of 2012 graduate loans were private

    Graduates who received Pell Grants were likely to borrow, and borrow more:

    • 88 percent of graduates who received Pell Grants had student loans in 2012, with an average balance of $31,200
    • 53 percent of those who didn’t receive a Pell Grant had student loan debt and borrowed $4,750 less ($26,450)

    Private student loan debt statistics

    • Private student loan debt is on the rise; $6.2 billion was borrowed in 2012-2013, up from $5.5 billion in 2011-2012
    • From 2011-2012, borrowers didn’t take advantage of federal student loans as much as they could have: 19 percent didn’t take out Stafford loans, 8 percent didn’t apply for federal financial aid, 11 percent applied for federal aid but didn’t take out a Stafford loan, 28 percent had Stafford loans but borrowed less than they were eligible for
    • In 2011-2012, 48 percent of private loan borrowers attended schools that had tuition costs of $10,000 or less
    • Nearly 1.4 million undergraduates borrowed private loans in 2011-2012

    Graduate student loan debt

    About 40 percent of the $1 trillion student loan debt was used to finance graduate and professional degrees.

    Combined undergraduate and graduate debt by degree:

    • MBA = $42,000 (11% of graduate degrees)
    • Master of Education = $50,879 (16%)
    • Master of Science = $50,400 (18%)
    • Master of Arts = $58,539 (8%)
    • Law = $140,616 (4%)
    • Medicine and health sciences = $161,772 (5%)

    Clearly, as these student loan debt statistics show, the cost of attending college is becoming a growing burden for a huge portion of Americans.

    What are you doing to pay off your debt and ensure you aren’t another statistic? Be sure to let us know how we can help.



    Student loan debt: Why employers may want to help pay off college loans, help with student loan debt.#Help #with #student #loan #debt


    Here s why employers may want to help out on the mountain of student loan debt

    Help with student loan debt

    Employers eager to recruit and retain skilled workers in a tight labor market have about 1.34 trillion reasons to expand their benefits package to include assistance in helping employees repay their student loans.

    That’s the mountain of student loan debt being carried on the financial shoulders of 44 million Americans. And no surprise, the bulk of those would indeed love for the boss to kick in and help pay it back.

    More than 80 percent of workers with student loans surveyed by IonTuition said they would like to work for a company that provides a student loan repayment benefit. IonTuition, a fintech company focused on services to help borrowers manage their repayments, mostly surveyed millennials.

    Yet there is plenty of reason to suspect older workers would be eager for the perk, too. According to Federal Reserve data, borrowers at least 40 years old have a not-small $450 billion in student loans to pay off. A big part of that older cohort are parents who borrowed through the federal PLUS program or took out private student loans.

    The benefit is still clearly in the early adopter stage with just 3 percent of firms surveyed by AonHewitt currently offering student loan repayment assistance. AonHewitt says an additional 5 percent of surveyed companies say they are likely to add the benefit and 24 percent are moderately interested in adding the benefit.

    “Employers are incredibly curious and engaged around the issue given all the news about student loan debt,” said Balaji “Raj” Rajan , chief executive officer of IonTuition. He said IonTuition fields two or three inquiries a day from companies interested in adding student loan repayment assistance.

    A few big old-line firms including Aetna, Fidelity, PwC and Penguin Random House have begun to contribute to employees’ loan payments. Earlier this summer, the city of Memphis, Tennessee, announced it will contribute $50 a month toward employees’ student loan repayment.

    Adoption of the benefit is more common among smaller and mid-size companies with nimbler decision trees and the need to position benefits as a competitive edge in recruiting, according to Meera Oliva, chief marketing officer at Gradifi, a subsidiary of First Republic that provides a student loan benefit platform for employers, including PwC and Penguin Random House.

    Gradifi has more than 140 employer clients offering repayment assistance and is adding a half dozen or more monthly. “The bulk of our business is companies coming to us, not the other way around,” Oliva said.

    An employer contribution of $50 or $100 a month is common among the first movers. That can indeed be a big help, as IonTuition reports that about three-quarters of borrowers make monthly payments of $300 or less.

    Employer contributions go toward principal repayment. Gradifi’s website includes a free tool for employees to see how an employer assist can aid employee financial wellness. For instance, someone aiming to pay off $35,000 in debt over 10 years might be able to shave off 2.5 years and save some serious coin in the process:

    Help with student loan debt

    Waiting on Washington

    Chris Walters, chief executive officer of Gradfin, another student loan repayment and management tech platform, said the tax code is keeping plenty of interested employers on the sidelines.

    “If an employer contributes $100 a month toward student loan repayment, it costs $107.65 a month because it is treated as compensation and requires paying the employer share of the payroll tax,” Walters said.

    Moreover, the benefit is taxable to the employee as compensation.

    “It’s going to take a change in the tax code to see large growth in the benefit,” he said.

    More from College Game Plan

    These states have the worst student debt

    Bipartisan bills in the House and Senate would put student loan repayment assistance on par with employer tuition assistance, which currently allows employers to give employees up to $5,250 a year tax-free for tuition costs.

    The cost of that tax break likely makes for some tough sledding in this current Congress. Walters says that’s missing the bigger picture.

    “The federal government, meaning taxpayers, are already losing plenty in terms of defaulted student loans, and income-based plans that will be forgiven,” he said.

    “Congress should be worried about those losses. If the private sector comes in and improves debt repayment the Federal government is going to get paid more.”

    (Correction: This story has been updated to correct the spelling of Balaji “Raj” Rajan.)



    Payday Advance Loans Online, Low Interest Fee Payday Loan, payday loan help.#Payday #loan #help


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    If you’re looking for cash fast, then one of our low cost payday loans can help. Ideal for those occasions where some sort of unexpected or emergency expenditure has cropped up, a short term loan is a great way of paying that unexpected bill or funding an essential repair without ending up making repayments for years at a time. Not only do we offer low fee payday loans, we don’t charge you anything to apply for one. This means that if we can’t help with a low fee cash advance, you’re no worse off then you were before. In the event that your application for low interest payday loans online is successful, we charge one of the lowest fees you’ll find. Our competitive fees of $15 for every $100 of cash you borrow are the only costs you’ll pay, provided you meet our terms and conditions. This means that as long as you meet the repayment requirements as laid down in the agreement, there will be no further fees, administrative charges or service costs. We aim to provide a clear, straight-forward instant payday loans online service that gives all our customers access to rapid cash with no hidden costs. Our fees page tells you more about what to pay when you use our cash advance payday loan service.

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    Fast Decision and Cash with our Payday Advance Loans Online

    As experienced online cash advance direct lenders, we know that when a domestic emergency strikes, timely access to the money you need is vital. With this in mind, we offer immediate payday loans, with cash frequently being transferred to your bank account within twenty-four hours of application. If you need rapid access to a short term, convenient loan for a few hundred dollars in order to meet some unplanned expense that has come your way, then we’re here to help. Call us at (800) 774-2215 and see how our cash advance loan online can provide a speedy resolution to your current financial difficulties.



    Federated Financial, Debt Relief & Payday Loan Consolidation, payday loan help.#Payday #loan #help


    Lower your Payments Starting Now!

    Medical, & Credit Card Debt

    Federated Financial is not only a consumer education organization dedicated to teaching the skills necessary for a secure financial future it is also the best place to get you out of debt once and for all! Our Debt Consolidation Company is in it’s 20th year of providing excellent service.

    GET STARTED NOW!

    FREE No obligation quote fill out the form below or Call Us Now!

    We take your privacy seriously

    Payday loan help

    Payday loan help

    Our program may be able to help YOU:

    Lower your monthly payments
    Significantly reduce your interest rates today!
    Eliminate late fees and over limit fees
    Stop collection calls
    Avoid bankruptcy and legal escalation
    Consolidate your Student Loans and Payday Loans

    If you feel overwhelmed with debt, We may be able to Help!

    Our Credit Card Consolidation, Medical Debt Consolidation, Payday Loan Consolidation & Advance Loan Consolidation programs are designed to eliminate your debt. Our full budget analysis allows us to properly facilitate your gradual debt reduction. Please give us a call to learn more or fill out the form above!

    Payday Loan Consolidation

    The thought of quick cash has lured many desperate people into taking out a payday loan. Then the vicious cycle begins: even if you manage to pay off the loan, new bills pile atop old bills and another loan has to be taken out for the next pay cycle. Add origination fees and rollover fees, and suddenly you are in a world of hurt. The way you deal with your money on a daily basis can impact your life for many years to come. We can show you that sound financial practices do not always require “doing without, or giving up.” All unsecured loans (loans without collateral), still tend to be higher interest than many alternatives with collateral.

    Debt Consolidation Company

    Payday Loan Consolidation Programs can help you with your finances. Interest rates charged by your lenders, consolidate into one low monthly payment, and eliminate or lower all interest fees. This will also help to stop those harassing telephone calls and letters you receive in the mail as a professional debt consolidation team can take care of everything. There is really nothing to lose, enter your details today and find out what we can offer you with our Payday Loan Consolidation Services. If your credit allows, consider applying for a credit card and transferring your balances or obtaining a cash advance.

    Loan Debt Consolidation

    Debt Consolidation And Your Attitude Towards Money, The way you deal with your money on a daily basis can impact your life for years to come. We can show you that sound financial practices do not always require “doing without.” With financial education and planning, you employ learned skills to do so much more with what you have. When you are able to manage money efficiently, you can budget for emergencies, vacations, a new baby, holidays, college, a home, a car, or retirement.

    Debt Consolidation Company

    A strong Debt Consolidation Program can help you with your finances. We Understand the financial stress of illness and unemployment. In other words, you maybe able to sleep a little bit better at night, knowing that you have the power to control your financial future with one of the many Debt Consolidation Programs we have for you.

    Payday Loan Debt Consolidation

    You can use our trusted Payday Loan, Credit Card, & Medical Debt Consolidation Programs to become free from debt.

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    HECS-HELP – Study Assist, help loan.#Help #loan


    StudyAssist

    Information for students about government assistance for financing tertiary study.

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    HECS-HELP

    On this page:

    Important notice – Higher Education reforms announcement

    The Australian Government has announced a range of reforms to improve the higher education sector. These reforms will deliver a more sustainable sector, more choices for students and increase transparency and accountability in higher education.

    For more information about how these changes might affect you, click here.

    For more detail about the reform measures, visit the Department of Education and Training Higher Education Reforms webpage (opens in a new tab).

    What is HECS‑HELP?

    HECS‑HELP is a loan scheme for eligible students enrolled in Commonwealth supported places to pay their student contribution amounts. It cannot be used for additional study cost such as accommodation or text books.

    Am I eligible for HECS‑HELP?

    To be eligible for HECS‑HELP, you must:

    • be studying in a Commonwealth supported place;
    • be an Australian citizen; or
    • be a New Zealand Special Category Visa holder who meets the long-term residency requirements; or
    • be a permanent humanitarian visa holder;
    • be enrolled in each unit at your university by the census date;
    • meet the relevant HECS-HELP residency requirements;
    • read the HECS‑HELP and Commonwealth supported places information booklet; and
    • submit a valid Request for Commonwealth support and HECS‑HELP form by the census date (or earlier administrative date) to your university.

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    What are the HECS-HELP residency requirements?

    If you are an Australian citizen you will meet the HECS-HELP residency requirements if your university reasonably expects that you will undertake at least some of your course of study in Australia.

    You will not meet the HECS-HELP residency requirements if your university reasonably expects that you will not undertake any of your course in Australia. For example, if you intend on studying overseas via distance education for your entire course, then you would not meet the HECS-HELP residency requirements.

    You will need to confirm with your university as to what their expectations are in relation to the residency requirements. In addition to HECS-HELP residency requirements, universities often have their own specific requirements for distance education students – for example, it is not uncommon for universities to expect that their distance education students complete a portion of their studies on-campus in Australia, which could be one unit, or one semester etc.

    For eligible New Zealand Special Category Visa holders

    If you are a New Zealand Special Category Visa (NZ SCV) holder (who meets the specific NZ SCV residency requirements for HELP loans), you must be resident in Australia for the duration of your unit(s) to meet the HECS-HELP residency requirements. However, any period of residence outside Australia will be disregarded if:

    • it cannot reasonably be regarded as indicating an intention to reside outside Australia for the duration of the unit; or
    • it is required for the purpose of completing a requirement of that unit.

    For permanent humanitarian visa holders

    If you are a permanent humanitarian visa holder, you must be resident in Australia for the duration of your unit(s) to meet the HECS-HELP residency requirements. However, any period of residence outside Australia will be disregarded if:

    • it cannot reasonably be regarded as indicating an intention to reside outside Australia for the duration of the unit; or
    • it is required for the purpose of completing a requirement of that unit.

    Who is not eligible for HECS-HELP?

    If you are a permanent (non-humanitarian) visa holder, or a New Zealand citizen (who either does not meet the NZ SCV residency requirements for HELP loans or does not hold Australian citizenship), you are not eligible for HECS-HELP. You must pay your student contributions upfront to your university by the census date.

    How much will a HECS‑HELP loan cost me?

    There is no real interest charged on HECS‑HELP loans. However, your debt will be indexed each year to reflect changes in the Consumer Price Index to maintain its real value.

    The indexation adjustment is made by the Australian Taxation Office on 1 June each year and applies to the portion of your debt that has been unpaid for 11 months or more. For more information see Interest and indexation.

    Can I change my payment option?

    You can change your HECS‑HELP payment option before the census date (or earlier administrative date) for the relevant study period. If you have not made an upfront payment by the census date, any unpaid student contribution amount at the end of the census date will be deferred automatically as a HECS‑HELP loan (and become a HELP debt), provided you have included your TFN on your submitted Request for Commonwealth support and HECS‑HELP form.

    If you have any further queries about changing your payment option, the student administration/enrolments area of your university will be able to assist you.

    How do I repay my HECS‑HELP loan?

    See Paying back my loan for more information on repaying your HECS‑HELP loan.

    Need more information?

    Please see our Frequently Asked Questions or ask a question via the Contact us page.



    Student Loan Debt Counseling and Advice, NFCC, help with student loan debt.#Help #with #student #loan #debt


    Student Loan Debt Counseling and Advice

    Borrowing to pay for college is the easy part. There is no shortage of financing sources, but choosing the right one is a little more difficult. And, choosing the best repayment options for your student loan debt once you leave school can range from merely confusing to downright complex.

    That’s where we can help. Our member agencies offer access to NFCC student loan counseling services. With deep knowledge of the various student loan programs and, more importantly, the repayment options available under each, they will work with you to review your entire financial situation. They not only look at your student loan debt, but also at any other outstanding debt you may have, such as a mortgage or credit card debt.

    These experts will then guide you, based on your personal situation, to ensure your payments remain affordable and minimize their impact on your current finances and future plans.

    Specifically, we will help you understand:

    • The pros and cons of the programs available to you.
    • Strategies to reduce the total amount of interest you pay over the life of the loan.
    • Steps to take to ensure timely repayment.
    • What you can do if you have trouble making your payments.
    • Options for keeping repayment affordable.
    • Loan rehabilitation programs.
    • Student loan debt consolidation choices.
    • How to identify potential options toward cancellation and forgiveness.

    As NFCC® nonprofit community-based agencies, each of our members offers access to counseling services in-person, by phone or online.

    With NFCC student loan counseling, our counselors will not only advise you on the most appropriate repayment plan for your personal financial situation, they’ll also help ensure your rights as a borrower are respected, your questions are answered and any errors in your account are corrected. Get the help and counseling you need, whenever you need it, for as long as you need it. Access a student loan expert and advocate now.

    Get the help and counseling you need, whenever you need it, for as long as you need it. Access a student loan expert and advocate now.

    Student Loan Repayment Assistance



    Student Loan Relief and Bankruptcy, help with student loan debt.#Help #with #student #loan #debt


    Student Loan Relief and Bankruptcy

    As the cost of a college education has risen, so has the number of graduates carrying a substantial amount of student loan debt. Ideally, students use their degrees to land well-paying jobs and quickly pay off their loans. But job markets are cyclical and careers don’t always go according to plan. This section covers the basics of student loan debt relief and the various options available to debtors. Topics include the different ways graduates can repay their loans, options for debtors who simply cannot afford to repay their student loan debts, and the consequences of defaulting on one’s student loans. Check out FindLaw’s Guide to Student Loan Debt for a printer-friendly reference guide with summaries on how to handle your debt, and what to do if you cannot afford payments.

    Difficulties with Student Loan Repayment Options

    Student loans can represent a significant expense and when financial difficulty arises many are unaware of the options to manage student debt. Since defaulting on a loan can result in serious consequences there are a number of options available to many borrowers. Some loans can be delayed through deferment or forbearance options, allowing the borrower to postpone payment. Some loans can be cancelled, thereby eliminating payments. Some loans are eligible for income-sensitive or income-based repayment programs. And, finally, some loans can be more manageable when consolidated.

    Deferment is a common means to address difficulty paying student loans. Deferment may postpone payment on a loan, and it may also prevent interest from accruing during the period of deferment, depending on the type of the loan. In order to qualify to have your loans deferred you must normally establish one of the common grounds for deferment. Although they may vary depending on your lender, common reasons for deferment include:

    • temporary total disability;
    • enrollment in a rehabilitation program for a disability;
    • unemployment;
    • economic hardship;
    • enrollment in school;
    • entry into uniformed service;
    • service to a needy population;
    • work in health care or law enforcement.

    Another option is to attempt to have your loans discharged through bankruptcy. However, this is very difficult, if not impossible, under the current law. Generally, student loans will not be discharged in bankruptcy unless the borrower can show that their repayment would impose a severe hardship on them, which is a very high standard.

    What Happens after a Student Loan Default?

    When a student loan borrower fails to keep current on their payments they become delinquent the first day they miss payment. If they remain delinquent for nine months the student loan enters default. The borrower may then be held liable for collection fees and the commission charged by any debt collection agency involved. The Department of Education has a number of collection options available to them.

    The Department of Education may seize your tax refund to be applied toward defaulted student debt. Though borrowers may appeal the valid defenses are limited. If the loan was repaid, is being repaid under a negotiated repayment plan, belongs to someone else, or limited other circumstances the borrower may be able to prevent seizure of their tax refund. Alternatively, the Department of Education may seek to garnish your wages. They can garnish up to 15 percent of your disposable income, or no more than $217.50 per week. The defenses to garnishment are very similar to the defenses against the seizure of a tax refund.

    Other options include seizing federal benefits such as Social Security retirement and disability benefits, the revocation of professional licenses, and lawsuits to collect from assets such as bank accounts, valuable property, and real property liens.

    Learn About Student Loan Relief and Bankruptcy

    Difficulties with Student Loan Repayment: Options

    Student loans can be a big financial burden. This article explains several options available to those who are unable to repay their student loans, including student loan deferments and forbearances.

    What Happens after a Student Loan Default?

    Lenders have a number of tools at their disposal in order to collect on student loans in default. Find out about some of the consequences that can result from a default on student loan debt.

    Options for Student Loan Repayment

    A number of payment options are available to those who are struggling with their student loan debt. Learn about some of the most popular student loan repayment options, like income-based repayment and refinancing.

    Checklist: Which Debts to Pay First

    Prioritizing your debts can help you cut down on your debt burden in the most efficient way possible. Use this checklist to determine which types of debts you should tackle first.



    How much help is available? #school #loan


    #loan consolidation
    #

    Loan Consolidation

    ATTENTION STUDENTS WITH OUTSTANDING STUDENT LOAN DEBT:

    • Learn what you can do now to save money during repayment.
    • Timing and effective communication with your Loan Servicer is key!

    If you don t remember who your Loan Servicer is, don t know your debt balance, or want to review your student loan status, use your SSN, first two digits of your last name, your date of birth and your federal PIN at www.nslds.ed.gov to access your student loan information. If you need assistance accessing your loan records, contact Rogue Central Services .

    Loan consolidation allows you to refinance any or all eligible outstanding federal student loans and create a single new loan with one monthly payment. The new loan will have a fixed interest rate, new terms, and may have an extended repayment period of up to 30 years.

    Loan consolidation allows you to refinance any or all eligible outstanding federal student loans and create a single new loan with one monthly payment. The new loan will have a fixed interest rate, new terms, and may have an extended repayment period of up to 30 years.

    Both the Federal Family Education Loan (FFEL) Program and the Direct Loan Program offer consolidation loans. FFEL Consolidation loans are available from participating Loan Servicers, and Direct consolidation loans are available from the federal government. Alternative consolidation options are also available through private Loan Servicers. However, benefits, repayment options and application procedures vary.

    The following information pertains to the FFEL Consolidation loan process. For more information about the Direct Consolidation loan processes, visit www.loanconsolidation.ed.gov .

    Consolidation loans are not for everyone. Several elements generate advantages and disadvantages that relate to your current and potential consolidation loan.

    Before choosing loan consolidation, review all your options to be sure it’s the right choice for you.

    Who is eligible for loan consolidation?

    To be eligible for loan consolidation under the FFEL Program, you must agree to the terms and conditions listed on the Application and Promissory Note, which include:

    • You are not enrolled in school, or you are enrolled on a less than half-time basis.
    • You are in the grace period or already in repayment on EACH loan you have chosen to consolidate.
    • If you are in default, you must either make satisfactory repayment arrangements with your current Loan Servicer or agree to repay the consolidating Loan Servicer under an income-sensitive repayment plan.
    • You must agree to notify the Loan Servicer of any address changes.

    Spouses may consolidate their eligible loans together.

    If I have a direct loan, can I apply for a FFEL consolidation?

    Most Loan Servicers will combine Direct and FFEL Program loans. Typically, the Loan Servicer requires the borrower to have at least one underlying FFEL Program loan with them. Some Loan Servicers may consolidate Direct loans for borrowers who have no FFEL Program loans. Check with your current Loan Servicer(s) on individual requirements.

    Is there a minimum to consolidate?

    Loan Servicers may require a minimum eligible loan amount before creating a new consolidation loan. Because each has specific terms, you should consult with your Loan Servicer prior to consolidating.

    *Alternative and non-federally guaranteed loans will not appear on NSLDS. Also HEAL loans and other health professions loans will not appear, but you will want to list these on the worksheet under non-eligible loans.

    What If I’m in default?

    Even delinquent and defaulted loans may be consolidated. To qualify, you must be in repayment on your defaulted loan (typically three consecutive, voluntary, on-time, full monthly payments), or agree to repay your new consolidation loan under the income-sensitive repayment plan. If you have a court judgment on your federal student loan debt, you cannot consolidate. Contact your Loan Servicer for details.

    Will I only have one Consolidation loan?

    If you wish to consolidate both subsidized and unsubsidized education loans, your Loan Servicer will create two new consolidation loans in your name — one for each type of loan. Loan Servicers are required to track these loans separately, but will combine both loans for billing purposes; therefore, you will only make one monthly payment.

    If I already have a Consolidation loan, may I re-consolidate?

    Estimate my new monthly payment under consolidation



    Discover Home Loan in Singapore and Get Help Now! #car #note #calculator


    #cheapest home loan
    #

    Best Home Loans

    What Is A Home Loan?

    A home loan is financing service offered by a bank or credit union for the purpose of purchasing or building a property. Such loans are secured against the said property in that the bank holds the title of the house until the mortgage is in effect and reserves the right to sell the property if the borrower fails to make payments.

    Careful consideration of loan size, maturity period, interest rate, and monthly installments should be taken into account by the borrower before taking up a new home loan.

    If you already have an existing home loan and wish to switch to another home loan or lender without moving home, you may consider the option of refinancing.

    How Do Home Loans In Singapore Work?

    Banks in Singapore offer two types of home loans; namely fixed interest rate home loan and floating interest rate home loan. Fixed Interest Rate Home Loan:

    A fixed interest rate home loan has a predictable monthly repayment schedule throughout the loan tenure as rates are not affected by fluctuations in Board Rates or SIBOR. Interest rates are calculated based on the cost of acquiring the funds to lend to plus an interest premium imposed by the bank.

    Floating Interest Rate Home Loan

    There are two variants of floating interest rate home loans offered by banks in Singapore; the first being a variable interest rate home loan whereby interest rates are calculated based on the bank’s Board Rate minus a discount stipulated in the Letter of Offer.

    The second variant of floating interest rate home loan is one with an interest rate that fluctuates in tandem to changes to the Singapore Interbank Offered Rate (SIBOR). These loans uses a 1 month or 3 months SIBOR rate as a benchmark to determine the final interest rate charged to customers.

    Floating interest rate packages are suitable for buyers who want to capitalize on the current low interest rates but also open themselves to the risk that market interest rates may increase in the future.

    How To Use A Housing Loan Calculator?

    Visit our website at iMoney Singapore and use our home loan calculator to find and compare the best rates for the loan amount you want. Simply enter your desired loan amount and loan tenure and the calculator will furnish you with the best rates in the market, lock-in period, and a breakdown of monthly payments for the first year and following rates in the respected bank pages. With these information, you can make decision as to which bank(s) to apply to as well as adjusting your budget.

    What Is The Loan Application Process?

    The first step to apply for a home loan in Singapore is to approach a bank to perform your Loan Eligibility Check (AIP) which will give you a clearer idea as to whether you are eligible for a loan.

    Upon application, the bank will perform the following due diligence which will determine whether your loan application is approved or rejected:

    • Credit assessment check using proof of regular income (can be in the form of Income Tax Notice of Assessment, a latest computerized payslip,or a12-month CPF contribution statement)

    • Credit Bureau(Singapore) check. The objective of this check is to determine whether you have a history of good credit card payments, any existing loans, and if you are a discharged bankrupt.

    How Do Banks Assess My Eligibility?

    In the process to determine whether to approve or reject your loan application, the bank will perform assessments using the following two criteria:

    1. Financial Commitment to Income ratio

    This ratio is used to evaluate your ability to repay debt obligations by dividing your total monthly debt obligation with your total monthly gross income. As a general rule, your total financial commitment per month must not exceed 60% of your total household income.

    2. Loan-to-Value(LTV) ratio

    This ratio expresses the ratio of a loan to the value of the property purchased in the form of a percentage. It is affected by several factors such as the loan tenure, age of borrower, and the existence of other outstanding housing loans in the name of the borrower. Generally to the bank, the higher the LTV ratio the riskier it is to lend money to the borrower. In Singapore, the maximum LTV ratio a borrower can possess before his or her loan application is rejected is 80%.

    What Else Should I Know about Home Loans?

    1. Monthly Installment As a general rule, your monthly long-term repayment commitment must not exceed 40% of your monthly income. 2. Disbursement of Loan

    • For completed properties: The loan will generally be disbursed in one lump sum when you take over the property.

    • For uncompleted properties: The loan is disbursed in stages depending upon the stage of construction of the property.

    3. Loan Tenure Banks usually grant loans up to a maximum tenure of 35 years subject to the condition that you must not exceed the age of 70 years old at the end of the loan tenure. 4. Interest Rate Interest rate on loans vary according to the type of property and the type of home loan package a borrower takes up.

    Should I Opt For Refinancing?

    Refinancing your home is a good option when interest rates favour the home buyer. By refinancing, you as a borrower can redeem your existing home loan by taking up a new home loan at a lower interest rate.

    Before you decide to refinance, it is important to weigh the costs of exiting your existing home loan against the potential benefits of your new loan. Do expect to incur these following fees and penalties when you go for refinancing:

    • Prepayment Penalty: A penalty imposed by the bank for settling your home loan in full before the stipulated contract period (i.e. loan tenure).

    • Legal Fee: The cost for legal services to draw up property purchase and mortgage documentation.

    • Availed Cash Rebate: Recovery of any cash rebates that has granted to you upon taking up your existing home loan.

    • Property Valuation Fee: The costs to evaluate the current value of your property to determine the maximum amount you can borrow from refinancing.

    • Loan Cancellation Fee: Also known as an exit fee that is imposed by your current bank when you redeem your existing home loan.

    • Fire Insurance Policy: When you refinance, you are required to terminate your existing fire insurance policy that is tied to your current home loan and will have to take up a new one with the bank that is providing you with a new home loan.

    • The Interest Cost of Refinancing: You are required to give your current bank three months written notice of your intention to fully settle your existing home loan or pay a sum equivalent to three months interest in lieu of such notice.



    Bad debt consolidation to help debt relief #student #loan #payment #calculator


    #debt consolidation loans bad credit
    #

    Unfortunately we are unable to help you:

    You specified that you are looking to borrow $ 0. you have been declined for a loan and you are an Australian resident, aged 18 to 65 with a regular income.

    Based on this information, it appears we can help you. Please call us on 1300 298 834 or leave your details and we’ll call you back at a convenient time.

    Based on the information you have provided it appears we may be able to help you, however we need to speak to you to find out more information. Please call us on 1300 298 834 or leave your details and we’ll call you back at a convenient time.

    You have indicated that:

      You are NOT an Australian resident You are NOT aged between 18 and 65 You or your partner do NOT receive a regular income

    Based in this information, we are unfortunately unable to help you. If your situation changes, or you would like to find out more information please call us on 1300 298 834 and we’ll call you back at a convenient time.

    You specified that you have unsecured debts of $ 0. you are having trouble keeping up with payments and you are an Australian resident, aged 18 to 65 with a regular income.

    Based on this information, it appears we can help you. Please call us on 1300 298 834 or leave your details and we’ll call you back at a convenient time.

    Based on the information you have provided it appears we may be able to help you, however we need to speak to you to find out more information. Please call us on 1300 298 834 or leave your details and we’ll call you back at a convenient time.

    You have indicated that:

      You are NOT having trouble keeping up with payments You are NOT an Australian resident You are NOT aged between 18 and 65 You or your partner do NOT receive a regular income

    Based in this information, we are unfortunately unable to help you. If your situation changes, or you would like to find out more information please call us on 1300 298 834 and we’ll call you back at a convenient time.



    Can the Special Direct Consolidation Loan Program Help You? ReadyForZero Blog #personal #loan #companies


    #direct loan consolidation
    #

    Can the Special Direct Consolidation Loan Program Help You?

    14 Mar 2012 by Ben

    Update: The application period for this program has now closed (on June 30, 2012). If you re wondering how long it takes for the special consolidation loans to take effect, you should know that they are not processed immediately. First, your eligibility and loan amounts must be verified by your loan servicer(s). Only then will the consolidation loan be processed. This may take more than a few days. If you want to make a plan for paying off your student loans, use ReadyForZero. And to learn more details about the special direct consolidation loan program, continue reading below Having trouble paying your student loans? Or just wish you could simplify your loan payments and get a lower interest rate? If so, then you’ll probably be very interested in the new Special Direct Consolidation Loan  program initiated by the Obama administration. Below, we’ll describe how the program works including how you can figure out if you are eligible and whether it s worth it.

    Why Was the Special Direct Consolidation Loan Program Created?

    The purpose of the program is to give certain student loan borrowers an opportunity to combine all their student loans so that they can pay one payment each month instead of juggling multiple payments, and so they can count on a fixed interest rate.

    Who is Eligible for Special Direct Consolidation Loans?

    This part is a bit tricky. First it’s important to understand the holder of a loan is the one who owns it (the one you owe the money to), while the servicer of the loan is the one who is collecting the money from you. Often, the holder and servicer are different entities! Here s how this works in practice there are basically three types of loans:

    1. Government-held direct loans. In this case, you have borrowed money directly from the government but your loan may be serviced by a private company on behalf of the government.

    2. Commercially-held loans guaranteed by the government. These loans are made by private companies with private money, but they are guaranteed by the government through the Federal Family Education Loan  (FFEL) program. Since they are backed by the government, there is little or no risk to the private company, and that allows the borrower to get more favorable terms on the loan, including lower interest rates. [President Obama recently restructured the FFEL program so that all new loans after June 30, 2010, would be direct loans ]

    3. Private student loans. Held and serviced by private companies, with no backing from the government.

    Those are the three main categories of student loans. (If you re not sure which type you have, try using the National Student Loan Data System. which allows you to look up all government-held and government-backed loans) In order to be eligible for the Special Direct Consolidation Loan program, you must have:

    • At least one government-held direct loan. AND
    • At least one commercially-held loan guaranteed by the government (FFEL)

    If you meet those two criteria, then you are eligible for the Special Direct Consolidation Loan program. Keep reading to see how it works

    How Does the Special Direct Consolidation Loan Program work?

    Keep in mind, even though you must have a government-held direct loan to be eligible, your loan(s) held by the government will not be affected by the program. The program will allow you to consolidate your commercially-held loan(s). Here s how it works:

    • Each commercially-held loan that you consolidate will retain its original payment terms.
    • That means, if you consolidate more than one loan, each one may have different interest rates and each may have a different end-date.
    • Your interest rate on each loan will be fixed at its current rate (minus 0.25%) and will remain at that interest rate for the life of the loan.
    • You’ll never have to pay an interest rate higher than 8.25% even if you currently do.
    • Once the special consolidation is complete, you will receive one bill each month and will make one payment.

    Is There a Fee for Getting a Special Direct Consolidation Loan?

    No. Hooray for easy answers! Okay, let’s move on to the most important question

    Is a Special Direct Consolidation Loan a Good Idea?

    After all this, is this program worth it for you? That will depend upon your unique individual situation. For many people the answer will be “Yes.” Not only does the Special Consolidation Loan give you the convenience of one payment (instead of multiple payments), but another benefit is it gives you a fixed interest rate that is lower than your current one. Doing the special consolidation will not affect your credit score. And you can still make extra payments to get out of debt faster, if possible. However, as with all financial decisions, there are potential pros and cons, so you should thoroughly research how this would affect your unique individual situation and get advice from several sources before you decide to get a Special Consolidation Loan (see contact information below). We ve heard from some people who say their total monthly payment is higher after this process, although that is not an intended outcome of the program. [Update: I just talked with a customer service rep at the Department of Education, and she said she s never heard of someone s monthly payments being higher. However, sometimes while the special consolidation loan is processing, it may look like your monthly payments will be higher due to a lag in the database being updated.] One potential downside is that the loans you consolidate will lose their grace period once the special consolidation is completed. If you re counting on having a grace period, be cautious about applying for a special consolidation loan. According to this article. you might be able to apply with only your loans that have already passed their grace period and then add your other loans later (also see the discussion in the comments section of this blog post).

    Do Special Direct Consolidation Loans Work with Income-Based Repayment (IBR)?

    Yes! If you are doing Income-Based Repayment (IBR) already, you may continue to do that after getting the special consolidation loan. And any payments you made prior to the consolidation would still be counted toward your total repayment time. In other words, if you had made payments in IBR for the last 2 years, you would have  23 years remaining before your loan balance is forgiven. (Income-Based Repayment allows for loans to be forgiven after 25 years of making payments, regardless of how much remains at that time)

    How Do You Apply for a Special Direct Consolidation Loan?

    If you are eligible, the U.S. Department of Education will have one of its servicers contact you. These servicers include:

    • FedLoan Servicing (PHEAA)
    • Great Lakes Educational Loan Services, Inc.
    • Nelnet
    • Sallie Mae

    These servicers began contacting eligible borrowers on January 17, 2012, and will continue contacting them over the next few months. The window of eligibility ends June 30, 2012. If you think you are eligible and you do not hear from anyone by June, you may want to call your lender and/or the U.S. Department of Education to find out if you are in fact eligible. For questions related to this program, you can call the Department at 1-800-4-FED-AID (1-800-433-3243).

    How can I check my special direct consolidation loan application status?

    To check the status of your special consolidation loan, you can call the hotline mentioned above, or check in with your servicer to see if the application has been processed. After you submit your application, it may take some time for the servicer to verify your eligibility and the payoff amounts of your loans. Only when that is done will the old loans be paid off and the new servicing begin. In the meantime, you might continue to receive statements and/or bills from your original servicer. As always, if you have any questions, please post a comment below and we ll do our best to answer it! This article is part of our Student Loan Debt Resource Center  and Debt Consolidation Resource Center .  If you re looking for additional information about student loans or debt consolidation, be sure to pay a visit!



    Drowning in student loan debt? Here – s help – NBC News #types #of #loans


    #help with student loan debt
    #

    Drowning in student loan debt? Here s help

    Gan Golan, of Los Angeles, dressed as the Master of Degrees, holds a ball and chain representing his college loan debt. Jacquelyn Martin / AP

    As college students start the fall semester, millions of graduates (and drop-outs) struggle to pay off a mountain of student loan debt – more than $1 trillion dollars, according to the Student Loan Debt Clock. That’s more than all the credit card debt Americans owe.

    College seniors who graduated with student loans in 2010 owed an average of $25,250, according to the latest data from The Project on Student Debt. That’s up five percent from 2009.

    And these days, a college degree doesn’t guarantee employment, let alone a good-paying job.

    “You don’t realize the seriousness of paying back that loan until you finish school,” said Langdon Bueschel of Seattle, who needed financial aid to attend the University of Washington.

    When he graduated in 2008, Bueschel had a degree in English and $12,000 in student loan debt. He has a job designing online advertising, but most of his money goes to living expenses. Because he missed so many payments, his balance now stands at $18,000 and counting.

    “I could have been more responsible and paid more quickly,” he admitted, “but sometimes things come up.”

    The most recent report from the U.S. Department of Education found that more than 320,000 borrowers had defaulted on their student loans as of September 2010. That is, they were 360 days or more late in making their payments.

    Can’t handle your student loan payments?

    You may have options and there’s an easy way to find them. The Student Debt Repayment Assistant on the Consumer Financial Protection Bureau (CFPB) website can help students – and their families – figure out the best repayment options and what to do if they’re behind in their payments.

    “You just answer a few questions and we’ll be able to point you to the best repayment program or action you should take in order to best manage your debt,” said CFPB student loan ombudsman Rohit Chopra.

    First, you need to know what type of loans you have – government, private or both – because the remedies are different. Not sure? The Student Debt Repayment Assistant has a link to the National Student Loan database where you can find out.

    “We can lead you in the right direction for the income-based repayment program on federal loans and we can tell you how you might negotiate with your private student lender,” Chopra explained. “Let’s say you’ve fallen behind like so many people have, we can even tell you about ways to negotiate with debt collectors and maybe even get your credit report fixed so you can get back on track.”

    Of course, nothing’s guaranteed. But your chances of modifying the repayment terms are fairly good with a student loan from the federal government. Private lenders are generally not as willing to help. Still, it’s worth a try.

    “Options vary by lender, but many private student loan programs offer borrowers a partial forbearance during which the borrower makes interest-only payments for a short period of time until the borrower can get back up on his or her feet,” said Mark Kantrowitz, publisher of FinAid.org and Fastweb.com. “This keeps the loan balance from growing bigger and digging the borrower into a deeper hole.”

    Kantrowitz points out that some private lenders may make reductions in the loan balance or interest rate when the hardship is of a more permanent nature and they know they are unlikely to recover the full amount owed.

    Remember: it is virtually impossible to discharge any type of student loans in bankruptcy. This obligation stays with you forever.

    More information:



    Help to Buy: Equity Loan #auto #loans #for #bad #credit


    #equity loan calculator
    #

    Help to Buy: Equity Loan

    Q. Who is it for?

    A. Home-buyers who wish to purchase a new build property when they cannot otherwise afford one in their area because they have an insufficient combination of the income and deposit needed to secure the level of mortgage required.

    These include first-time buyers who are trying to get onto the property ladder, and second-movers , needing to move up the ladder to a bigger home. These loans are not available for Buy-to-Let landlords or second home owners.

    Q. Who is eligible and for what types of property?

    • Existing homeowners and first-time buyers
    • Buyers with a minimum deposit of 5% of the purchase price
    • Buyers who are borrowing from a participating lender
    • Available in England on new build properties worth up to 600,000, up to 400,000 in Scotland and 300,000 for the version in Wales
    • Properties available for the scheme include residential properties
    • Your only property, so you cannot have an interest in any other property

    Q. How does it work?

    A. You will need to put down a deposit of at least 5% of the property price. The government will give you an equity loan for up to 20%, interest-free, for the first five years, and you will need a mortgage of 75% to cover the rest.

    As a result of providing you with this assistance, the government is entitled to its money back, plus a share in the future sale proceeds equal to the percentage contribution it made to assist your purchase.

    This type of loan is known as a shared equity mortgage.

    Example

    If the home in the graphic above sold for 250,000, making a 50,000 profit , you d get 200,000 ( 150,000 from your mortgage, 10,000 cash deposit back and 40,000 as 80% share of the profit ) and pay back 50,000 to the government (the 40,000 equity loan, plus an extra 10,000 as 20% share of the profit ). You d need to pay off your mortgage with your share of the money.

    Q. When will I have to pay back the equity loan?

    The home will be in your name, which means you can sell it at any time. However, you will have to pay back the equity loan when you sell your home or at the end of your mortgage term whichever comes first. You can also pay back the equity loan without selling your home.

    Q. Are there any fees for the equity loan?

    You will not be charged loan fees for the first five years of owning your home, but, in the 6th year, you will be charged a fee of 1.75% of the loan s value. After this, the fee will increase every year in line with inflation. The annual increase in the fees is worked out by using the Retail Prices Index (RPI) plus 1%.

    For instance, if the RPI is 5% at the end of Year 6 of your Equity Loan, the fee will increase by 6% from 1.75% in Year 6 to 1.86% in Year 7 (which is 1.75% + (1.75% x 6%) = 1.86%).

    Interest is not charged on the version in Scotland.

    Your mortgage adviser can provide you with a more detailed illustration when they help you with finding the right mortgage.

    A government-appointed Help to Buy agent will contact you before the fees start, to set up monthly payments with your bank. You will also be sent a statement about your equity loan each year.

    Q. What are the interest rates on the mortgage loan?

    Lenders offer more competitive rates to borrowers with bigger deposits as they carry less risk. This scheme means that they are only lending 75% of the property value rather than 95% which means you will benefit from cheaper rates of interest than you usually would.

    Q. For how long is it available?

    A. It started on 1 April 2013 and the end date has been extended until 2020 for the English version. The Scotland and Wales schemes are set to end in 2016.



    Help With Student Loan Debt Consolidation #car #loan #comparison


    #help with student loan debt
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    To secure a less-than-perfect credit home equity loan you need to check out the various prices Help with student loan debt consolidation and words offered. These lenders take a look at most current occupation situation, your income, and several work references so as to supply you with the tiny unsecured loan you require. Should the financial institution is satisfied while using points, he will cable the borrowed Help with student loan debt consolidation funds quantity into your money inside of a day time.

    For out of work man or woman isn’t going to alleviate via the debts that you must pay.

    Personal Loan From Federal Credit Union

    In the way regarding indicating the exact agreement pertaining to agreement, the policy developer together with the various other unwilling recipient try and stay considering the injured party simply put instance will never be put to court. It will help in fixing the financial dilemma that is quick in the wild at the perfect time. The client is necessary to read and for that reason indicator the understanding. Help with student loan debt consolidation

    Concerns it’s possible you’ll consult and the answers you should expect from your on-line automobile financing providersIs deposit necessary?How much money you’ll need as a payment in advance will be based on on your own credit history and the automobile you wish to invest in.

    The collateralized mortgage loan is usually considered as perfect for low rates. The morning of Christmas grades the labor and birth Help with Help with student loan debt consolidation student loan debt consolidation centenary of The lord and it s popularly known as the wintertime festival. The financial loan authorization is within 24 hours therefore, the individuals might get the income a day just after.



    Low Income Loans Australia – Low Income Earner Help #loans #with #monthly #payments


    #low income loans
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    Low Income Loans Australia

    Learn about the different low income loan options and benefits available to borrowers who are finding it hard to qualify for a loan due to income thresholds. As many lenders have tightened their borrowing criteria over the last couple of years, qualifying for a loan has become increasingly difficult. There are alternatives to mainstream and payday loans.

    At Low Income Loans Australia we understand that there are many different circumstances in which a person may have financial issues – minimal opportunities in the area of residence, injury, divorce, retired, etc.

    Regardless of your background, we try to provide details on options and benefits available for low income earners who are in need of cash or some form of financial assistance.

    Common borrowing situations may include:

    • Unexpected expenses
    • Funds for essential personal/household goods
    • Possible debt consolidation
    • Medical dental expenses
    • Home or vehicle repair
    • Holiday/entertainment, etc


    Obama to offer plan to help students buried in loan debt – Oct. 25, 2011 #amortization #loan #calculator


    #help with student loan debt
    #

    Obama to offer help for students buried in debt

    President Obama is expected to announce new measures to help college graduates facing student loans on Wednesday.

    One of the proposals would push up the start date for more favorable terms on a special loan repayment program based on income, said White House domestic policy adviser Melody Barnes. Another measure would encourage graduates with two or more different kinds of federal loans to consolidate them and get a small break on interest rates.

    Obama is expected to trumpet them when he appears Wednesday at the University of Colorado’s Denver campus.

    We’re using executive authority. stepping into a gap, at no cost to the taxpayer, creating a program that creates additional relief to the students, Barnes said.

    The president is under pressure to address the financial concerns faced by students and recent graduates. Student loan debt, which is now outpacing credit card debt, is one of the problems called out at Occupy Wall Street demonstrations in New York.

    Average student loan debt for the graduating class of 2009 at four-year nonprofit colleges was $24,000, including all private and federal loans, according to the Institute for College Access Success.

    In 2010, the unemployment rate for college graduates age 24 and younger rose to 9.4%, the highest since the Labor Department began keeping records in 1985.

    However, the White House announcement doesn’t offer much new help for existing borrowers who are already eligible for the income-based repayment plan and who have been able to consolidate federal loans for more than a year, said Mark Kantrowitz, publisher of FinAid.org.

    It preserves the cost of the loans, Kantrowitz said. And existing borrowers who are up to their eyebrows in debt, they don’t get the benefit of the lower payments on the income-based repayment plan.

    Income-based repayment of loans

    One of the Obama proposals would advance the start date for a special loan repayment program based on income that aims to help struggling graduates.

    The Income-Based Repayment Plan is not well-known, higher education experts say.

    The way it works now is that graduates who enroll get charged 15% of their monthly discretionary income to pay off loans, with debt forgiven after 25 years.

    Congress passed a law set to go into effect in 2014 that would drop the monthly payment for loans originated that year to 10% of discretionary income and would forgive all debt after 20 years.

    The Obama administration would improve on the law by fast-forwarding the new terms to take effect in 2012 on loans originated that year, Barnes said.

    U.S. Secretary of Education Arne Duncan said his agency has regulatory power to move up the start date. He said the move would save current students originating loans next year hundreds of dollars a year.

    The bright spot for struggling graduates is that the monthly payments are based on any income above 150% of the poverty line. For a graduate living alone, the payments would be on 15% of any dollars made above $16,335, based on the 2011 poverty line.

    And unemployed graduates with no income would owe no monthly payments on their student loans, education experts say.

    That’s a big win for students at risk for default. According to Department of Education numbers, the default rate rose to 8.8% in 2010, up from 7% in 2009. Default on student loans is a big deal, because student loan debt follows consumers even through bankruptcy.

    We need to get the word out to students, especially students who are delinquent on student loans, that they need not default, said Justin Draeger, president of the the National Association of Student Financial Aid Administrators.

    So far, about 450,000 students are enrolled in the income-based repayment plan, but hundreds of thousands more are eligible for the repayment plan based on 15% of income earned with the debt forgiven in 25 years.

    The biggest challenge is making sure borrowers know it’s available, said Pauline Abernathy, vice president of the Institute for College Access Success.

    Student loan consolidation

    The other proposal would encourage graduates with two or more different kinds of federal loans to consolidate their loans giving them a small interest rate break of .5%, Barnes said.

    Last year, the federal government got out of the business of guaranteeing student loans made by private banks called Federal Family Education Loans — including Stafford loans — and moved to start offering loans directly to students. But lots of graduates are still paying off those federally backed loans, originated by private student lenders such as Sallie Mae and Nelnet.

    The federal government wants students with both direct loans and federally backed loans to consolidate all their federal loans into direct loans.

    Students with both types of loans have been able to consolidate their loans into direct loans for the past year. But students really didn’t have a financial incentive since the interest rate is the same for a Federal Family Education Loan and a Direct student loan.

    But now the White House says it will for a limited time offer a .5% interest rate break for all students who consolidate their loans into a direct loan.

    The Department of Education makes money by taking over the Federal Family Education Loans, so they can offer students the interest rate break without costing the taxpayers.

    Another benefit for student loan borrowers who convert into direct loans is that they’d qualify for other debt forgiveness programs if they work in public service or at nonprofits for ten years.

    First Published: October 25, 2011: 12:52 PM ET



    Payday Loan $1000 – A 99% Superior Payday Loan. Imperfect Credit Not An Issue To Get A Loan Till Payday. This Cash Advance Company Is Here To Help. #instant #loans #online


    #1000 loan
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    Some Information About A Payday Loan $1000.

    Have you ever had $1000 just handed to you?. With a payday loan from Paradise Payday is it just that simple. by next business day (the 24 hour payday loan )your $1000 payday loan is deposited right into your banks account with no hassles, no questions, no worries.

    Sometimes, we just can’t wait to get money till out next payday. When you need money for things like car repairs, medical expenses, or anything else, don’t let it get you down. Up to $1000 is ready for you to just take it.

    Imperfect Credit Is Never An Issue In Paradise.

    If you need a cash advance and have bad credit. poor credit or no credit you will have no problem getting a payday loan of up to $1000 from Paradise Payday. We will never check your credit, and we will never ask you why you need the fast payday loan .

    Don’t let any other payday loan store promise you a $1000 payday loan then never deliver on what they promise. Trust the one cash advance company that has helps thousands every month get the cash advance payday they need right away. Only Paradise Payday is the perfect solution.

    Let’s take a look at how easy it is to get a $1000 payday loan. First of all this is a no fax payday loan. so save a tree and cover that fax machine up. And since this is a no faxing payday loan things will go allot faster (now the fast cash advance ). So, let’s see, this is a no fax cash advance. a fast cash advance, what else do you need?

    How about the fact that this is a 99% Superior payday loan. Bet you didn’t see that one coming. That’s right, every time you apply for an easy cash advance you will have to the full support of Paradise Payday and a 99% Superior chance of being approved. No other cash advance payday loan company can come close to making that kind of guarantee. So, when you need a $1000 payday loan, then you know you have come to the right place, especially with these incentives. Don’t just trust any old emergency payday loan company. trust the one payday loan company that can guarantee your success.

    About A $1000 Payday Loan .

    There are some many things we can say about a $1000 payday loan from Paradise Payday, but we need to discuss some terms. First of all this is a quick loan. Generally, you are required to payday back the loan until payday by your next paycheck. However, with over 1000 cash advance companies in our system, it could be a little longer.

    Most $1000 payday loan applications are funded within 24 hours (the 24 hour payday loan ). This is also known as the instant payday loan. which means that your approval is delivered in less than 10 seconds. If this sounds good to you, then we need to get you signed up for a quick payday loan .

    Another great aspect of the $1000 payday loan is that it is also a Less Than Perfect Credit payday loan (a.k.a. Imperfect Credit payday loan ). So, you can you the $1000 payday loan for virtually anything. Car repairs, medical expenses, educational expenses, or use it as a debt consolidation payday loan .

    There is nothing more exciting than the approval of a cash advance loan. It is the easy payday loan (up to a $1000 payday loan ) that people love to get again and again. Join us, won’t you.



    Loans for People on Benefits – Payday Cash Help for You #consolidation #loans


    #loans for people on benefits
    #

    Payday Loans for People on Benefits

    Warning: Late repayment can cause you serious money problems. For help, go to   moneyadviceservice.org.uk

    Though, any disease or accident does not take place before any intimation, it really becomes a cause of distressful life for that person goes through such unfortunate happening. He certainly gets fiscal support from UK government but such help does not prove adequate for his requirements. So, what does he need to do? Nothing too much as Loans for people on benefits is a best monetary arrangement available in UK finance market, offers payday money to persons are in trouble because of physical or mental disabilities and any sort of accident or sickness etc.

    What Is Our Job?

    Since, we are only a registration service provider company, we can neither commit about approval nor we claim that how much amount an applicant would manage of obtaining from any money lending firm. No one has to pay any fee amount to get his sign up done on our web site. This few minutes online procedure is conducted during weekends or festival period also. Our office forwards the details of applicants to numbers of reputed fiscal groups.

    How to Complete Submission Formality?

    There is no paper formality take place. One has to fill only correct individual details in an application form. He is asked to provide the records such as name, age, address, job profile, salary and bank account number. This is how he goes through submission process.

    Do You Meet Eligibility Criteria?

    One has to essentially get aware of all the eligibility standards for submitting an online application. All the eligibility norms are mentioned below:

    • He must be 18 years or above.
    • He must have a residence in UK.
    • He must be an employee with regular monthly salary.
    • He must be an account holder in UK.
    • He must be getting funds from depart of social security.

    Utilize the Funds Going By Your Desires

    Any deserving applicant receives the funds within few hours from getting his registration completed. He is not supposed to inform his money lender before withdrawing his loan amount into his bank account. He can use his sanctioned money by anyhow. He does not require the permission of his financer for doing the same. It definitely allows him fulfilling any of the purposes like paying medical or grocery bills, getting home renovation done or buying any household accessory etc.

    How Much Is Offered By Fiscal Companies?

    Money lending firms are supposed to assess all the risk factors before approaching the applicants. Lenders are smart enough to analyze the repayment capabilities of every applicant and they always stick to an outcome of their analysis. As far as payday loans for people on benefits are concerned, the maximum amount is sanctioned by companies is 1000 pounds for one month of repayment period.



    Student Loan Forgiveness (and Other Ways the Government Can Help You Repay Your Loans) #housing #loans


    #student loan forgiveness
    #

    Student Loan Forgiveness (and Other Ways the Government Can Help You Repay Your Loans)

    Here’s a question a lot of people may be wondering … Is it really possible to have my federal student loans forgiven or to get help repaying them?

    The answer is: Yes! However, there are very specific eligibility requirements for each situation in which you can apply for loan forgiveness or receive help with repayment. Loan forgiveness means that you don’t have to pay back some or all of your loan. You never know what you may be eligible for, so take a look at the options we have listed below. The first three options focus on loan forgiveness programs. The next two options are government programs based on your service.

    If you teach full-time for five complete and consecutive academic years in certain elementary and secondary schools and educational service agencies that serve low-income families, and meet other qualifications, you may be eligible for forgiveness of up to a combined total of $17,500 on certain federal student loans. Get the details about Teacher Loan Forgiveness here .

    1. Public Service Loan Forgiveness (PSLF)

    If you work full-time for a government or not-for-profit organization you may qualify for forgiveness of the entire remaining balance of your Direct Loans after you’ve made 120 qualifying payments—that is, 10 years of payments. Learn more about PSLF now. To benefit from PSLF, you should repay your federal student loans under an income-driven repayment plan .

    1. Income-Driven Repayment (IDR) Plan

    If you repay your loans under an income-driven repayment plan, the remaining balance on your student loans will be forgiven after you make a certain number of payments. You will likely qualify for an income-driven repayment plan if your outstanding federal student loan debt is higher than your annual income or if it represents a significant portion of your annual income. More about IDR plans and how to apply .

    In acknowledgement of your service to our country, there are special benefits and repayment options for your student loans available from the U.S. Department of Education and the U.S. Department of Defense, such as interest rate caps under the Servicemembers Civil Relief Act, other interest rate relief, and student loan repayment programs. Learn more about federal student loan benefits for members of the U.S. armed forces .

    The Segal AmeriCorps Education Award is a post-service benefit received by participants who complete a term of national service in an approved AmeriCorps program—AmeriCorps VISTA, AmeriCorps NCCC, or AmeriCorps State and National. Upon successful completion of the service, members are eligible to receive a Segal AmeriCorps Education Award which can be used to repay qualified student loans.

    If the options listed above don’t apply to you, but you need help making your federal student loan payments, contact your loan servicer about the option to

    Sandra Vuong is a digital engagement strategist at the Department of Education’s office of Federal Student Aid.



    Credit Card Debt Help – Your Options for Avoiding and Handling #online #payday #loans #direct #lenders


    #credit card debt consolidation
    #

    Help With Credit Cards

    If you’re reading this, it’s safe to say you have at least one credit card. It may be your first card and you’re trying to start on the right foot, or you may have had credit cards for years and are trying to reduce your debt. No matter where you are in your financial life, you can improve your standing by taking note of a few simple tips.

    If you’re in good standing with your creditors, stay on solid ground by paying on time and making more than the minimum payment. If you’ve already fallen behind or can’t pay your bills, you can take action to remedy the situation by contacting creditors, undergoing credit counseling or using debt reduction strategies.

    Pay on Time

    Make an effort to pay on time every single month. This can be a problem for some people if they are forgetful or if they are short on money.

    If you miss payment deadlines because you’re forgetful, try using one or all of these techniques:
    • Set up automatic bill payments.
    • Set up reminders online so you receive an email or phone alert when bills near their due dates.
    • Write due dates on a calendar.

    Missing payments because of a money shortage is a tougher problem to fix. You may be able to take early action such as contacting your creditors or starting a debt management plan. If you’re far behind on payments, you might be a good candidate for consolidation or settlement.

    Make More than the Minimum Payment

    You should strive to pay more than the minimum requirement on your credit card debts. Consistently making the lowest possible payment will lead to more interest, more time spent in debt and, inevitably, more frustration.

    For example, assume you have a balance of $2,000 on your credit card, your interest rate is 18 percent and your minimum payment is 2 percent of your balance. That means your minimum payment would start at $40 per month. Even if you never make another purchase using that credit card, it would take you 24 years to pay off the debt in full, during which time you’d pay $4,396.57 in interest.

    If you slightly increased your payment to $50 per month, you could instead be rid of the debt in just five years and pay only $1,077.25 in interest. By increasing your monthly commitment by even this small amount, you’d save more than $3,000 and be debt-free nearly 20 years sooner.

    There are two cases in which it’s acceptable to make the minimum payment:
    • If you are facing atypical and extremely burdensome financial problems, you may decide to make minimum payments for just a few months until you get back on your feet.
    • Or, if you are working on paying off other debts first, you can make the minimum payment on your credit card while putting any extra money toward the other, higher-interest debt.

    Contact Creditors

    If you’re a regular credit card user, it’s a good idea to establish a good relationship with your creditors. That way, they’ll be able to help you avoid problems and will be more willing to work with you should problems arise.

    You can begin to create a good relationship simply by practicing good borrowing skills. If you establish a habit of paying your bill on time each month and paying more than the minimum requirement, you’ll get on your creditors’ good side.

    It’s a good idea to contact them even before you reach trouble. You may want to ask for a higher credit limit or a lower interest rate. for example.  When your payment history is good, they will be more likely to improve your rates.

    If you’ve established a good rapport with creditors, they’ll also be more likely to work with you if you ever hit financial problems. If you find you won’t be able to pay your bill for the month, for example, you can contact your creditor before the payment is due in order to work out a plan. Your creditor may be willing to modify your payment plan to make your payments more manageable.

    Counseling and Debt Management Plans

    If making consistent and timely credit card payments is a regular hardship, you may benefit from professional help. Credit counseling and debt management plans can help you get back on track.

    Credit counseling can steer you in the right direction after you’ve taken a few wrong turns. An experienced credit counselor can look over your finances and current situation and then help you make a plan to move forward. He or she can help you set up a household budget, savings plan and payment plan for current debts. Your counselor can also gauge if you need more help.

    Among your counselor’s suggestions may be enrollment in a debt management plan (DMP). A DMP is best suited for people who can afford their monthly payments but lose track of bills or forget to pay on time. When you enroll in a DMP, you’ll be responsible for just a single payment each month. Rather than paying credit card companies directly, you’ll send money to your credit counselor, who will then disburse the money to your various creditors. This can simplify your monthly bills and may be able to save you money in interest and fees.

    Consolidation and Settlement

    Consolidation and settlement are more involved approaches to dealing with too much debt. While they require significant planning and commitment, they can help you out of a tough situation when you have too much credit card debt.

    Consolidation rolls all your debts into one payment. As with a DMP, it reduces your number of monthly payments. Consolidation may also have the benefits of lowering your interest rate and improving your repayment schedule.

    Settlement is a good option for individuals who can’t afford the credit card debt they’ve racked up. You can enlist the help of a debt settlement firm or negotiate directly with lenders to have your debt reduced. When completed successfully, you may owe only a fraction of your original debt.

    Credit cards can be useful when used properly. They’re convenient and can improve your credit history. However, misusing or overusing the line of credit can have lasting negative consequences. It’s important to use credit cards wisely and seek help when you need it.



    Lice Removal & Treatment Services #quality #lice #removal, #treatment, #lice #place, #texas #head #lice #squad, #texas #head #lice, #confidential #head #lice #treatment, #help #with #head #lice, #head #lice, #lice, #headlice, #head #lice #treatment, #head #lice #information, #head #lice #shampoo, #hair #lice, #headlice #treatments, #head #lice #removal #in #dallas, #houston, #austin, #birmingham, #katy, #the #woodlands, #texas, #alabama


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    Welcome to The Lice Place

    If you or a family member are unfortunate enough to come down with head lice, you may want to think twice before reaching for the customary bottle of lice shampoo or prescription treatment from the drug store. According to the latest research the tiny blood-sucking parasites are becoming increasingly resistant to traditional methods of treatment.

    The problem is that the over-the-counter shampoos have used the same few chemicals since they came on the market in the mid-1980s. They worked well at first, but over time, the lice developed widespread resistance to them. In fact, 99% of lice in a recent study were found to be immune to the effects of insecticides. Pharmaceutical prescription treatments, per their own clinical studies, only show a 70% to 80% efficacy rate.

    In addition to being ineffective and having some possible medical risks, the shampoos and prescription treatments are costly and only delay the suffering. At The Lice Place,we get rid of lice safely, effectively, and efficiently in just one treatment – without the use of pesticides. Furthermore, the head lice education and information you will receive at any of our clinics is based upon research, clinical studies and our own 11+ years of experience. No other lice treatment company is more professional and successful in defeating head lice than The Lice Place.

    Why The Lice Place is the safe, smart and effective choice:

    • The Lice Place is owned and operated by a Registered Nurse.
    • As a Registered Nurse, Penny Warner and The Lice Place team are bound by certain guidelines and practices that protect your family from potential harm.
    • During her more than 18 years as a Registered Nurse, Penny worked as a critical care nurse, as well as Director of Patient Safety, Risk Management, Healthcare Improvement, Education, Infection Control and Accreditation Coordinator. She brings all that knowledge and experience to her lice removal business.
    • The Lice Place started in 2006 when there were fewer than 5 lice removal companies in the US. You won’t find another service with more experience than The Lice Place.
    • Every family that comes to one of The Lice Place clinics will have their own private treatment room (at no extra charge) – We understand that your privacy is important.
    • The Lice Place has infection control policies in place, which ensures you will not get head lice after coming into any of our offices.
    • Utilizing The Warner Method – a safe, non-toxic, pesticide-free method of combing and manual removal – The Lice Place has the highest publicized success rate in the country – 99.6 percent, which is backed by our hassle-free 30-day guarantee!
    • At The Lice Place, we start AND finish the treatment. The burden is never placed on the client to “finish” the treatment at home. After all, isn’t that why you came to The Lice Place?
    • At The Lice Place, no one plays up the “panic” mode of head lice or preys upon a person’s vulnerability during this trying time. As members of the NALTP, you can be assured we will treat your family ethically in all aspects – from treatment to billing to honoring our guarantee.
    • No pesticides, no gimmicks, no copycats! We are THE lice removal company other companies try to duplicate. There is no need to go anywhere else but to the original – The Lice Place!

    Choose Your City

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    Texas Head Lice Removal

    Testimonials

    After my daughter got lice from her classmates, we tried getting rid of it on our own. Unfortunately we couldn’t get rid of the lice and after 3 treatments, I was very thankful to find The Lice Place. They removed the lice in one treatment and we haven’t seen any lice since then! Thanks again for all your help.

    When I called yesterday and talked to April I was frantic. I was half way around the world working in Iraq, and was not there to help my daughter, when she needed it. April was so calm and collected and made Chloe an appointment for the same day, which her dad had to take her to. I thought between him, his mother, the school and of course ME freaking out, there is no way we can get this handled last minute in one day. Thanks to April it happened. I really appreciate all of your help during this time of need and will never forget it. Believe it or not it means more to some people than others, the every day work you do. I thought it was hard doing what I do. LOL I heard it took 2 hours on my daughters hair and my husband was so impressed and informed when he left. We can’t thank you enough. GREAT JOB. I will definitely recommend your services in the future.

    The minute I walked in here, I knew I had come to the right place.

    I brought my four kids in today after a fierce battle with head lice over the weekend (I realize some people battle this for months. I can’t even imagine the horror!). Your facility is a GODSEND. I actually have felt my pulse and blood pressure return to normal after visiting today. I will feel 100% better after our follow-up check later this week, but I just wanted to thank you and your staff for saving a mom from the brink of insanity. And my sweet kiddos from more torture as we frantically attacked their heads! It will be wonderful to think about something other than lice! God bless!

    I just wanted to email to let you know how much my family and I appreciate Nina at your Dallas location. We made an appointment today and she and one of her employees worked through myself and my 3 daughters. All have long hair and 2 had quite a few nits. This was our first exposure to lice- so we count ourselves lucky to have it hit the first time when the girls were 16 and 12. The office was extremely busy – but Nina treated us very well. She patiently, pleasantly and diligently worked through our heads to insure we were lice free when we left. Hopefully we won’t be repeat customers in the future – but I will have no hesitation in referring The Lice Place to any family that may be experiencing a lice issue.

    OK, I cannot tell you and your staff enough THANK YOU’S. You saved my daughter and family. We were able to get in and out within 24 hours so my daughter could get back to camp. Just imagine 13 years old at camp and sent home. Penny was able to schedule us on Monday at 9am to get in. We were thrilled about the service. She was cleaned and she went back to camp the same day. She only missed 1 day. More driving to and from camp than anything. I cannot thank you and your staff enough for help, professionalism and overall kindness. The information given by your staff is up to date and very informative. The truth about Lice comes out and it is not that scary. When you and your staff explain things in a not panic frantic way, it all works out. Again I cannot thank you and your staff enough. A client and referral for life, (longer than a lice life).

    have literally spent hundreds and hundreds of dollars on products that don’t work. If I had come here when this first started, I would have saved myself a lot of money and a lot of frustration.

    I just wanted to take a moment to thank you for running a wonderful company that is truly a Godsend. Unfortunately, despite being super cautious, I ended up getting lice from one of my 6 year old students, which I discovered yesterday. I frantically searched the internet for treatment options and came across your website. I called as soon as the clinic opened this morning, and I was able to get in by 11:30. Your staff took care of me, and what an amazing job they did. They helped calm my stress level and put me at ease with everything. Within an hour and a half, I was out the door and feeling much better about the situation. Thank you again for everything! I will definitely recommend you in the future!

    I was thrilled with the service we received. Thank you so much for starting this business and for employing such kind and professional individuals.

    After our family had an outbreak of lice, we were happy to find The Lice Place. They were professional and worked very quickly to get rid of the lice issue. They also gave us some great tips for removing lice from our home altogether, which worked perfectly.



    Welcome to the World Wide Help Desk (WWHD) #help #desk #software #as #a #service


    Log a Support Call / Access the WWHD

    IMPORTANT – PASSWORD CHANGE
    ALL passwords for accessing this WWHD site have changed due to a system upgrade to comply with new security standards. Your existing password has been change by capitalizing the first letter and adding ‘.123’.

    Example: ‘fredx27’ – ‘Fredx27.123’.

    Important Note: Cookies MUST be enabled to use the WWHD. Both stored and session cookies are required.

    Welcome to the World Wide Help Desk

    This helpdesk service will provide you with the services you require to help you control your Helpdesk environment. Powered by the latest Evolution software and technologies the WWHD provides full browser enabled transactions and updates. No software to install, no plug-ins to download, and access from anywhere on the Internet!

    There are two types of helpdesk service available from this web site:

    This helpdesk service, provided to our customers and partners, provides the ability to log, track and progress help calls you may have logged with us. Access is provided to the full call details, including comments made by the helpdesk consultants, and it allows you to provide more information if required, upload additional information files for the helpdesk personnel to use, etc.

    This helpdesk system can be configured to act as your helpdesk and will provide all the services you should need. It will allow you to log calls, view their status, provide additional information if it is required, cancel a call, etc. The helpdesk consultants who deal with the calls will see any new calls as soon as they are logged, can allocate the call to themselves, enter feedback, request more information, close the call, etc.
    If the helpdesk call relates to an evolution product or service and your internal helpdesk consultants are unable to answer the question or resolve the problem they can simply re-allocate the call to one of our helpdesks in seconds. It will then be picked up and dealt with by the one of our helpdesk personnel in the normal way, with access to all the information and research already completed.

    This helpdesk service is designed to speed up and control your helpdesk operations whether dealing only with evolution or operating your own internal helpdesk through this service.



    Plan B Bail Bonds is a Bail Bond Company in Sacramento, CA #bail, #bail #bonds, #bail #bond #company, #best #bail #bonds, #bondsman, #emergency #bail, #24 #hour #bail, #posting #bail, #affordable #bail, #bail #help,


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    About Our Company

    Welcome to Plan B Bail Bonds, your first, best destination for bail bonds in Sacramento, CA and the surrounding area. Our bail bondsman can handle all your bail needs in one place, ensuring that one simple call gets you the help you need whenever you need it.

    We specialize in providing 24 hour bail services so that you can get the affordable bail assistance you need whenever you need it most. We help you with posting bail by providing free warrant checks and affordable payment plans and 0$ down so that we are your absolute best choice for emergency bail services for any situation.

    Plan B Bail Bonds has all the tools, resources, and expertise to handle all of your bail bond needs in one convenient place for one affordable price. Our help is available all the time, quickly, easily, and affordably, so that you can be sure of getting the help you need the most. Contact Plan B Bail Bonds today and we ll give you a comprehensive description of all the services and products we offer for helping you out.

    We also have a downtown location at 809 8th St, – 2nd Floor, Sacramento, CA 95814.

    Select a phone number below to find an agent near you:

    209-942-2245
    530-749-2245
    707-642-2245
    775-623-2245

    Why Choose Us

    Specializing in Domestic Violence Cases

    In Home Service Available

    We service

    • Serving all California Counties

    Reviews

    Our Services

    24 Hour Bail Bonds

    Plan B Bail Bonds makes sure that you get the help you need most whenever you need it most with our 24 hour bail services. We make sure our bondsmen …

    Low Down Payments and Free Warrant Checks

    Plan B Bail Bonds makes sure that we offer the best bail bonds services by offering 0$ down bail services, free warrant checks, and low down payments on all our …

    Complimentary Rides Home

    Plan B Bail Bonds takes care of you at every stage of your bail services by making sure that you get home safe and sound with our complimentary rides home. …



    Software gestion calidad sgc, control proyectos, iSO 9001: 2008, ISO 9001: 2015 y help desk #web #help #desk #software, #software #project #quality #help #desk #iso #9001:2008 #iso #9001:2015 #


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    Software para la gesti n de la calidad y de proyectos

    Trabaje su Sistema de Gesti n de la Calidad en la nube de forma f cil y eficaz.

    • KMKey Quality: para gestionar del el Sistema de la Calidad (SGC) de la organizaci n. ISO 9001, ISO 14001, OHSAS 18001, etc..
    • KMKey Project: para la planificaci n, gesti n y control de sus proyectos.
    • KMKey Help Desk: donde apoyar la gesti n de incidencias, el servicio de atenci n al cliente y mantenimiento.

    Prep rese para la ISO 9001:2015. La nueva versi n de KMKey Quality le permite gestionar su ISO 9001:2008 y cuando decida, pasar a ISO 9001:2015 sin esfuerzo.

    KMKey Quality

    • Mapa de procesos
    • Gesti�n de la documentaci�n
    • No conformidades i A. correctivas
    • Auditor�as
    • Indicadores i objetivos
    • Riesgos
    • Gesti�n de proveedores

    KMKey Project

    • Planificaci n de tareas
    • Gesti n de tiempos
    • Gesti n de recursos
    • Control Econ mico
    • Documentos
    • Integraci n e-mail
    • Avisos y notificaciones

    KMKey HelpDesk



    Anger Management Classes Boston #anger #management #classes #boston,anger #management #classes #framingham,anger #management #certification,anger #management #classes #for #court,anger #classes,help #with #anger,anger #groups,anger #therapy,court #ordered #anger #classes,how #to #control #anger,stress #management #classes,certified #anger #management #class,court #approved #anger #classes,anger #management #techniques,marriage #and #relationship #classes


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    Anger Management Associates

    Anger Management Wednesday Classes:
    Afternoon Class, 1:00 – 3:00 pm
    Evening Class, 7:00 – 9:00 pm
    Tuition: $30 per session
    Location: AMA Classroom, Framingham

    Weekend Anger Management Class – Part 1 (8 Hours)
    Saturday, July 8th
    9:00 am – 5:00 pm, Tuition: $95
    Location: AMA Classroom, Framingham

    Weekend Anger Management Class – Part 2 (8 Hours)
    Saturday, July 15th
    9:00 am – 5:00 pm, Tuition: $95
    Location: AMA Classroom, Framingham

    August Classes and Workshops

    Anger Management Wednesday Classes:
    Afternoon Class, 1:00 – 3:00 pm
    Evening Class, 7:00 – 9:00 pm
    Tuition: $30 per session
    Location: AMA Classroom, Framingham

    Weekend Anger Management Class – Part 1 (8 Hours)
    Saturday, August 12th
    9:00 am – 5:00 pm, Tuition: $95
    Location: AMA Classroom, Framingham

    Weekend Anger Management Class – Part 2 (8 Hours)
    Saturday, August 19th
    9:00 am – 5:00 pm, Tuition: $95
    Location: AMA Classroom, Framingham

    September Classes and Workshops

    Anger Management Wednesday Classes:
    Afternoon Class, 1:00 – 3:00 pm
    Evening Class, 7:00 – 9:00 pm
    Tuition: $30 per session
    Location: AMA Classroom, Framingham

    Weekend Anger Management Class – Part 1 (8 Hours)
    Saturday, September 9th
    9:00 am – 5:00 pm, Tuition: $95
    Location: AMA Classroom, Framingham

    Weekend Anger Management Class – Part 2 (8 Hours)
    Saturday, September 23rd
    9:00 am – 5:00 pm, Tuition: $95
    Location: AMA Classroom, Framingha

    October Classes and Workshops

    Anger Management Wednesday Classes:
    Afternoon Class, 1:00 – 3:00 pm
    Evening Class, 7:00 – 9:00 pm
    Tuition: $30 per session
    Location: AMA Classroom, Framingham

    Weekend Anger Management Class – Part 1 (8-Hours)
    Saturday, October 7th
    9:00 am – 5:00 pm, Tuition $95
    Location: AMA Classroom, Framingham

    Weekend Anger Management Class – Part 2 (8 Hours)
    Saturday, October 14th
    9:00 am – 5:00 pm, Tuition: $95
    Location: AMA Classroom, Framingham

    For class descriptions, click on page links at far left.

    Anger Management Classes

    Weekend Class
    Part 1, 8 Hours ( 9 am to 5 pm)
    Part 2, 8 Hours (9 am to 5 pm)

    Wednesday Afternoon Class
    10 Sessions (1:00 to 3:00 pm)

    Wednesday Evening Class
    10 Sessions (7:00 to 9:00 pm)

    Private classes can be
    arranged for businesses,
    organizations and famlies

    Our classes are:
    nonjudgmental and effective
    thought-provoking and activity-
    based to help participants find
    solutions to their own unique
    personal situations
    appropriate for anyone who
    wants to learn how to manage
    their emotions better
    accepted by the courts

    Receive your Certificate of
    Completion immediately at
    the end of your class.

    Our 19th year of helping
    people be their best in
    their personal and
    workplace lives.


    Call 508-808-5696 for a
    Free Phone Consultation

    Easily pay your class tuition
    through our website using
    our PayPal function

    Today we are experiencing ever-increasing stress in our lives due to demands of our jobs, family situations and economic conditions. The ability to maintain composure during these times, and avoid inappropriate expressions of anger, is a crucial skill to living a healthy, happy, and balanced life.

    There are many reasons why anger may be manifesting within us today, including:

    • things not going the way we want them to
    • not getting our important needs met in situations
    • feeling we are not treated fairly
    • someone treating us in unkind or abusive ways
    • feeling disrespected or not understood by others
    • learning as a child from family mambers that using anger
    • to get what we wanted was normal behavior.

    However, none of the reasons above can ever be used as justification for outbursts of unsafe anger and rage. With new, tougher assault and domestic violence laws now in force, it s more important now than ever for all of us to take responsibility for our behaviors that affect others.

    How Our Programs Help

    Anger Management Associates (AMA) is dedicated to helping people whose ways of expressing anger are resulting in problems within their family and workplace relationships as well as in public settings. Our goal is to help individuals develop their Emotional Intelligence skills for living happier, more peaceful and successful lives. We have been offering effective anger management programs for more than 17 years.

    We provide not only proven in-class training, but guide our students in how to apply the techniques and skills they learn to every day living. The life-changing skills learned help you make positive changes that you and others will recognize. AMA classes are taught by a certified anger management instructor and are accepted by the court systems. Participants receive a Certificate of Completion at the completion of their class.

    Through our Free Phone Consultation. AMA will help you select the best program for your needs. Private follow-up phone support is always available for participants who have completed our classes.

    About the Instructor

    For the past 19 years, Lou Orsan, MFA, has been dedicated to helping people learn Emotional Intelligence skills where they honor each other s uniqueness and where adults can create safe, loving and nurturing family environments for children to grow and thrive within. Before retiring from private counseling in 2008, Lou offered anger management and couple s relationship counseling and emotional healing therapy in addition to teaching classes.

    In his work today, Lou continues to provide anger management and couple s relationship classes for individuals referred by county and state court systems and social service agencies, as well as self-referred individuals who choose to learn skills to manage their emotions more effectively. His programs are also sought out by human resource departments of corporations and City and State government agencies seeking to help their employees acquire emotional regulation skills for the workplace.

    Lou s training includes certified anger management provider training through the American Counseling Association (ACA) and domestic violence continuing education training approved by the National Association of Social Workers (NASW).



    Eating Disorder Help #eating #disorder #help, #eating #disorder #treatment, #signs #of #anorexia, #bulimia


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    Eating Disorder Help and Information

    Eating Disorder Help

    If you are looking for help and up to date information on eating disorders, you’ve come to the right place. We’ll tell you how to find the right eating disorder treatment, try to answer all your questions and provide you with all the eating disorders information you need, including some relevant eating disorder statistics that may shock you. We want you to be fully informed so you can begin the recovery process. This site will help you understand the causes of eating disorders as well has how to get treatment.

    Getting Eating Disorder Help

    If you are worried that you have an eating disorder you’re probably feeling anxious, confused overwhelmed, and scared. All of these feelings are relevant to the effects of malnutrition on your brain and body. The human body uses food and nutrition in order to build itself, function properly and deal with stress, so eating disorders have both physical and mental effects even if you have not lost any weight. That s right, although most people with eating disorders suffer the symptom of weight loss you can be underweight, normal or overweight and still have an eating disorder! Eating disorders, like people, come in all shapes and sizes. Here is more on who gets eating disorders.

    You might not know where to turn and you might feel nobody understands. We do, and there is help available to you. You just have to take that first step and reach out.

    Start by talking to a loved one about how you are feeling and the thoughts you are having around food. Then ask them to help you find an eating disorders specialist. Your doctor or counselor can refer you to a specialist if needed.

    If you’re not sure where to go for treatment, check out our list of eating disorder treatment centers. You can also find more information about getting eating disorder help here.

    If you’re having serious health problems, like passing out, feeling too weak to get up or feeling disoriented or confused, call your doctor right way or go to the nearest emergency room. If you’re feeling depressed and suicidal. go to the emergency room or call 911.

    The Recovery Process

    Eating disorder treatment is a long and complex process. Often, it begins with medical care to treat the physical health problems that result from eating disorders, like malnutrition, nutritional deficiencies, dehydration, ulcers and heart trouble. Some sufferers will require inpatient treatment. This can be a very effective way to help them regain the weight that they have lost. Establishing a normal body weight is a vital part of recovery, as a malnourished body does not have the resources required to recover from an eating disorder. Then individual, group, and family counseling helps sufferers learn how to overcome the behavioral processes that are often apparent with eating disorders. Family counseling is recommended to teach family members how to support one another and the sufferer. Nutritional counseling and education, as well as carefully planned menus and support during mealtimes and snacks, will help sufferers begin eating a healthful diet again.

    Some people need residential treatment in the beginning, until they are medically and psychologically stabilized. Other people are able to begin with outpatient treatment. A qualified treatment provider can advise you about the best level of care to meet your needs.

    The recovery process can be scary, try to take it one step at a time and know that it will all be worth it in the end.

    Follow this link for more information about the recovery process .

    For More Assistance

    If you’re not sure where to start, try our eating disorders information page. If you’re feeling discouraged or hopeless, please take a moment to read this letter of hope. If you have any questions or if we can assist you in any way, please feel free to email us and we’ll do our best to help. We care and we want you to get the eating disorder help that you need.

    Begin Your Eating Disorder Recovery



    Tulsa, Oklahama, Free HDTV Channels and Antennas #hdtv, #rf, #uhf, #vhf, #dtv, #digital, #channels, #cable, #satellite, #stations, #local #lists, #towers, #compass, #direction, #distance, #high-definition, #television, #outdoor, #rotor, #indoor, #antennas, #expert, #examples, #help, #free, #over-the-air, #off-air, #licensed, #transition, #tuners, #converter #box, #setups, #color #code #chart, #picture, #appearance, #multicasting, #multi-directional, #rooftop, #rabbit #ears, #consumer #data, #advanced, #installation, #links


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    TULSA AREA


    You might want to watch this 8-minute video created by the Consumer Electronics Association

    Getting the most from America’s New High-Definition Television System is simple and inexpensive. You just need an antenna for sets made after 2007, and a Converter Box if you have an older TV. No need to get cable, satellite or a new TV to enjoy America’s DTV Channels.

    “Multicasting” allows stations to broadcast up to six new channels in the space of their old one. Channel 9, for instance, is now DTV channel 9.1, 9.2, 9.3, etc. Cable and satellite would have you believe they carry most of these new channels, but they don’t.

    Cable and satellite strip and leave out most broadcast channels to save space for other $ervice$. To get genuine HDTV just add an antenna and converter to your existing setup. You’ll be amazed how many HDTV channels you can tune, and how much better everything looks over-the-air!

    Find the keys to complete your HDTV System!

    Tulsa Area HDTV Channels

    All 25 of these new channels, and many more, are Free. No cable or satellite is needed for any of them. Just select an Antenna, using the information below, to receive crystal clear HDTV signals Free in the Tulsa Area.

    Antenna Selection Guide
    To find the perfect antenna, first list the RF Channels around Tulsa which you want to watch. The CEA. Consumer Electronics Association, and NAB. National Association of Broadcasters, created the AntennaWeb to help you with the rest. Free! An example of how it works is presented below.

    NOTE that all TV stations are transmitting on different channels now. To avoid confusion, however, the new tuners and converter boxes allow a station to keep its old channel number while automatically switching you to its new RF Channel. Some of the new RF Channels are VHF but most are UHF.

    RF Channels on your list numbered less than 14 are VHF. They need a broader antenna than UHF channels; the ones numbered 14 and up. Since HDTV is 91% UHF, you probably won’t need to use a broad antenna.

    Most need an Indoor Antenna. They work just fine with older TVs using a converter box, and with all new TVs. You’ll need to use an Outdoor Antenna if you’re more than 15 miles from stations’ towers, but most towers are clustered near town and are very powerful.

    EXAMPLE.
    We’ll use a site near Tampa, Florida
    Press AntennaWeb.org. then Press
    “Click Here to Start,” then Enter the
    ZIP Code 33772 and Press “Submit”

    A Station Tower Map will appear beside a list, as shown below. The strongest stations are at the top. Record the RF channels, and Antenna Color Codes, of the stations you want to watch. You’ll need that information to select the proper Antenna .
    To verify this Map and List. select TVFool.com using the same Zip Code, to get the following.

    What’s important is to get-a-feel for the distances and directions to desirable stations’ towers (under “Dist” and “Azimuth” above). Let’s select CBS, ABC, FOX, NBC and PBS Networks, all of which are farther than 15 miles away. We’ll need to use an Outdoor Antenna to receive them. Fortunately, station towers are clustered in most cities – East of us in our example.

    Antenna Color Codes
    Color Codes represent an antenna’s reception strength. Within 15 miles of stations an Indoor Antenna can be used (in the Yellow, Green and Light Green Zones). Farther away you’ll need to use an Outdoor Antenna. Our Example calls for color codes blue and violet. The stronger violet type will work for both. Since four of our desirable stations’ RF channels are VHF (all but ABC are less than 14), we’ll need a broad UHF/VHF antenna.

    Small Multi-Directional Antennas



    Airport Check-in desks #help #desks


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    Airport Check-in desks

    Should you require assistance or need help checking-in for your flight please go to our airport check-in desks – where a member of our team will be glad to assist you.

    IMPORTANT! Please make sure that you arrive at your departure airport in plenty of time to board your flight, taking into consideration the time that you need to allow to go through security and/or are travelling with baggage requiring tagging and acceptance for the flight: airport security checks and for what, at larger airports, may also be a long walk to the actual boarding gate.

    Boarding the aircraft

    • Please have your Boarding Pass, photographic ID or and passport (plus any other travel documents like visas etc.) readily available when boarding at the gate.
    • You will also need to show your boarding pass to the cabin crew again when you board the aircraft.
    • If you arrive at the boarding gate after the gate has closed, you will not be able to board the flight.

    Terms Conditions for airport check-in:

    • Passengers travelling with hand baggage should ensure that it meets size and weight requirements and does not contain any sharp objects or restricted items.
    • Any passengers with hold baggage should report to the bag drop or check-in desk.
    • Boarding and gate information may change. Please check the flight information screens in the departure lounge for confirmed boarding and gate information.
    • Passengers must report to the boarding gate no later than 15 minutes prior to departure. Failure to be at the boarding gate on time will result in your booking been cancelled and bags being offloaded.
    • All passengers using airport check-in must present valid photographic identification or a valid passport for international routes which will be checked at the boarding gate. Any passenger without appropriate identification will be refused travel.
    • Any passenger requiring assistance should make themselves known to staff at the bag drop desk no later than one hour prior to departure.
    • Self-service check-in may only be used by passengers and check-in should only be done by the person travelling. Any passenger using self-service check-in needs to be present at the time of checking in to answer the required security questions.


    GreeneStone – Residential Addiction Treatment Facility – Alcohol, Drug, Narcotic, Substance Abuse Addict Rehabilitation Clinic – Private Medical Rehab Detox Center – GreenStone Toronto, Ontario, Canada #greenestone, #greenstone, #medical, #clinic, #resort, #health, #wellness, #muskoka, #corporate, #drug #addiction #clinic, #physicians, #psychiatrists, #psychologists, #therapists, #nurses, #nutritionists, #physical #fitness #experts, #interventionists, #professional #help, #holistic #care, #psychiatric #disorders, #clinical #care, #aftercare, #healing, #mental #health, #alcohol #treatment #center, #substance #abuse, #rehabilitation #centers, #depression, #rehab, #detox, #recovery, #exectutive #programs, #professional, #betty #ford, #troubled #adults, #narcotics #anonymous, #intervention, #family #care, #aftercare, #support, #spa, #holistic, #wellness, #executive #health #care, #ontario, #canada, #bala, #port #carling, #cranberry #marsh #cove, #fitness, #accommodations, #ohip, #doctors, #nurses, #gp, #general #practitioner, #toronto


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    Residential Addiction Treatment

    Addiction Recovery Treatment

    GreeneStone Muskoka employs the best principles and practices currently available in the treatment of those with addiction. To ensure the most comprehensive and effective treatment for our clients, we treat underlying or co-occurring disorders in tandem with the treatment of addiction.

    Listen to Dr. William R. Jacyk – Medical Director speak about the program here at GreeneStone Muskoka

    Our Values

    Our approach is client-centered, embracing diversity and honouring the need for autonomy, independence and privacy. We have a respectful and non-judgmental attitude to people and to addictions. The treatment is in accord with a person’s personal beliefs recognizing that bolstering hope, courage and trust are integral factors in recovery. We provide excellence in care through evidence-based treatments. Our collaborative, team-based, inter-professional approach is practical and results oriented – It is a seamless, full continuum of care with inclusion of the person’s primary supports including family, friends or others who are the individual’s core team support.

    Karen Schafer, MSW, RSW – Family Therapist GreeneStone

    Are You a Family Member, Loved One or Friend?

    Dr. William Jacyk, MD, FRCPC – Senior Consultant GreeneStone

    Signs Symptoms Leading to Relapse

    Now Taking Admissions For This Year

    To Request your admission information or by calling us toll free at 1-877-762-5501. All calls are confidential.

    If you have any question please feel free to email us GreeneStone is fully operational during the Winter season.

    Start Your Journey To Recovery Today

    See if GreeneStone Muskoka is right for you by speaking with a member of our Admissions team.

    Calls us toll free at 1-877-762-5501.All calls are confidential.

    GreeneStone provides expert care in the treatment and recovery of those with substance abuse issues. The first addiction treatment facility of its kind in Canada.

    GreeneStone provides a comfortable and private environment where executives and professionals are able to find the individualized care that they need.

    GreeneStone employs the best principles and practices currently available in the treatment of those with addiction. We simultaneously treat clients with underlying or co occurring disorders so that the treatment of addiction can be as comprehensive and affective as possible.

    GreeneStone

    Join Our Community



    Credit Help Cards; Credit Cards for Bad Credit #federal #student #loan #rates


    #credit cards for bad credit
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    Recommendations For Many Needs

    Recommendations For Many Different Needs

    Select The Best Offer For You

    Complete Your Application

    Are you looking for a fast way to get a new credit card or compare the best offers? You know there is good credit card offers out there but how do you find them through the piles of bad offers that waste your time? Have you been stuck in circumstances where you need a credit card urgently, but got a denial from your bank? We want to help. even if you have bad credit or no credit history. With our card matching service, we compile hours of research into our best recommendations for our visitors at no cost to you. Let us do the searching and comparing for you.

    In other words, whether your credit history is excellent, bad or yet to begin, we have researched credit card offers that can help you get the card you need and get your credit back on the road to recovery as quickly as possible. If you don t know where your credit score stands at this time we can help you get your free credit report as well.

    Selecting The Right Credit Card

    CreditHelpCards.com is dedicated to informing its users about the different options they can choose from in order to assist them in their card selection and application process. With our suggestions, you will find various credit card offers with various rates and incentives. Many of our card offers will actually help repair damaged credit or build new credit history as well as put security in your wallet. We seek to provide card offers that are ideally suited to the majority of our visitors needs. Thanks to the regular updates on CreditHelpCards.com, we make sure that visitors are regularly informed of new cards and offerings through our email newsletter.

    The Process Is Easy

    Viewing offers for a credit card through our website is quick and simple. Just ensure that you provide your email address above, hit “Submit”, and you will instantly be provided with our top offers. You will also be added to our email subscriber list in order for us to keep you as up to date as possible with new offers and suggestions.

    Types Of Cards

    Variable rate APR credit cards – If you opt for a credit card with a variable interest rate, the APR is dependent on an established rate like the prime interest rate, for instance. When using this category of credit cards, be mindful that any fluctuations in the prime interest rate have a direct impact on the APR.

    Fixed rate APR credit cards – With these cards, the APR maintains a level of stability till the time you own the card. Chances are remote that your card provider will increase the rate, but even if they do, they are required by Federal law to inform you of the change before it is implemented.

    Do bear in mind that the rate of interest levied on your card is considered to be the decisive factor in most cases. This is because it acts as a determinant of the applicable charges if you choose to roll over or borrow the balance and pay it off in monthly installments rather than making immediate or lump-sum payments.

    How CreditHelpCards.com Works

    Our website has helped countless individuals obtain a credit card even with less than perfect credit scores. In addition to that, we have taken painstaking measures to ensure that the information you share with us always remains private and we will never share your email address with anyone else .

    At CreditHelpCards.com, we pride ourselves in offering assistance to individuals looking for a new credit card. Our goal is to help you get the chance to obtain the credit card you need or to take the steps to repair the bad credit history that prevents you from getting better credit ratings. I couldn t be any easier, instead of looking at offers and searching the fine print to find out what you are getting, just put in your e-mail and we will search for you. In seconds, you will receive a list of the best cards available for you.

    Our Goal Is To Make Your Credit Card Search Easier.

    We know how stressful it can be to search for the right credit card. and that is why it is our mission to help provide useful recommendations. When you allow us to assist with your search for credit card offers, we take it upon ourselves to try to make the process easier for you. we also try to provide you with helpful information that can answer any questions you may have about credit score, credit history mistakes or building better credit for future purchases such as cars or houses. check our blog page from time to time as we try to supply useful topics and information to help you with your credit questions.