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FinAid! Financial Aid, College Scholarships and Student Loans, just military loans.#Just #military #loans


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Just military loans

The SmartStudent TM Guide

to Financial Aid

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FinAid, Loans, Student Loan Consolidation, just military loans.#Just #military #loans


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Student Loan Consolidation

Consolidation Loans combine several student or parent loans into one bigger loan from a single lender, which is then used to pay off the balances on the other loans. They also provide an opportunity for alternative repayment plans, making monthly payments more manageable.

Consolidation loans are available for most federal loans, including Stafford, PLUS and SLS, FISL, Perkins, Health Professional Student Loans, NSL, HEAL, Guaranteed Student Loans and Direct loans. Some lenders offer private consolidation loans for private education loans as well.

The interest rate on a consolidation loan is the weighted average of the interest rates on the loans being consolidated, rounded up to the nearest 1/8 of a percent. That interest rate is fixed for life.

For example, suppose a student has just unsubsidized Stafford Loans originated on or after July 1, 2006. These loans have a fixed interest rate of 6.8%. When they are consolidated by themselves, the consolidation loan will have an interest rate of 6 and 7/8ths of a percent, or 6.875%. So the interest rate increases only slightly.

If the borrower has a mix of loans with different interest rates, the weighted average will be somewhere in between. For example, if the borrower has $5,000 of Perkins Loans (at 5.0%) and $10,000 of unsubsidized Stafford Loans (at 3.86%), the weighted average is

This weighted average, 4.2%, is then rounded up to the nearest 1/8th of a percent, yielding a consolidation loan interest rate of 4.25%.

If you are consolidating loans with different interest rates, the weighted average interest rate will always be in between. Don’t be fooled if someone tries to suggest that this will save you money by getting you a lower interest rate. The interest rate may be lower than the highest of your interest rates, but it is also higher than the lowest of your interest rates. More importantly, the amount of interest you pay over the lifetime of the loan will be about the same.

No Cost to Consolidate

Aside from a slight increase in the interest rate on the consolidation loan, there is no cost to consolidate your loans. There are no fees to consolidate.

Under no circumstances pay a fee in advance to get a federal education loan or consolidate your federal education loans. There are no fees to consolidate your loans. While other federal education loans, such as the Stafford and PLUS loans, may charge some fees, the fees are always deducted from the disbursement check. There is never an upfront fee. If someone wants you to pay an upfront fee, chances are that it is an example of an advance fee loan scam.

Who Can Consolidate

Both student and parent borrowers can consolidate their education loans. Students and parents cannot combine their loans through consolidation, since only loans from the same borrower can be consolidated. But they can consolidate their loans separately.

Students can consolidate their education loans only during the grace period or after the loans enter repayment. Loans that are in default but with satisfactory repayment arrangements may also be consolidated. Students can no longer consolidate while they are still in school. Parents, however, can consolidate PLUS loans at any time.

Which Loans Can be Consolidated?

Any federal education loan can be consolidated. You can even consolidate a single loan. There are, however, a few restrictions on consolidating a consolidation loan.

You can consolidate a consolidation loan only once. In order to reconsolidate an existing consolidation loan, you must add loans that were not previously consolidated to the consolidation loan. You can also consolidate two consolidation loans together. But you cannot consolidate a single consolidation loan by itself.

Note that when you reconsolidate a consolidation loan, it does not relock the rates on the consolidation loan. The consolidation loan is treated as a fixed rate loan within the weighted average interest rate formula used to calculate the interest rate on the new consolidation loan.

Consolidation loans provide access to several alternate repayment plans besides standard ten-year repayment. These include extended repayment, graduated repayment, income contingent repayment (Direct Loans only) and income sensitive repayment (FFEL only). If you do not specify the repayment terms, you will receive standard ten-year repayment.

Consolidation loans often reduce the size of the monthly payment by extending the term of the loan beyond the 10-year repayment plan that is standard with federal loans. Depending on the loan amount, the term of the loan can be extended from 12 to 30 years. The reduced monthly payment may make the loan easier to repay for some borrowers. However, by extending the term of a loan the total amount of interest paid over the lifetime of the loan is increased.

You do not need to pick an alternate repayment plan. We recommend sticking with standard ten-year repayment, because it will save you money. The alternate repayment plans may have lower monthly payments, but this increases the term of the loan and the total interest paid over the lifetime of the loan.

Repayment on a consolidation loan will begin within 60 days of disbursement of the loan, unless the borrower qualifies for a deferment or forbearance.


Military Auto Loan, Bad Credit Military Auto Loans, Military Auto Financing, just military loans.#Just #military #loans


Military Auto Loans for All Types of Credit

Just military loansMilitary auto loans are advantageous over regular car loans. Some people even think that the offers in military car loans are unfair compared to regular auto loans. The truth is, it is not unfair. As mentioned earlier, auto loans for the military are specially designed for them. It also serves as thanks to the exceptional work they are doing for the country. Here are some of the great benefits that you can enjoy with a military auto loan.

A military car loan naturally has low interest rates. Low here means lower than the interest rates offered in regular loans. This is possible because military lenders consider military work as stable job. Consequently, your income is also deemed as stable. Remember that these two factors are greatly considered by lenders when they are approving a loan application for a low interest rate. With the kind of job that you guys have, military lenders feel financially secured. This means that they are somehow given the assurance that there will be regular payments. Also, you will be able to save up a lot of money with low interest rates.

Another amazing thing about car loans for military is borrowers like you get easily approved. The reason for this is the low credit score requirement. The credit score which is considered bad in regular car loans is a good credit in military car loans. This is a result of the considerations that military lenders make. We consider your changing of locations from time to time and being designated in remote areas which mainly hinder you from making payments on time. We at militarycarloans.net know that your nature of work makes it hard for you to build a good credit. That is why the credit score requirement is lessened.

You also get to enjoy flexible payment terms. This includes the loan term and repayment terms. You can choose to make payments in a longer period of time. If you do this, your monthly payments are made less. You would not have to worry about paying quite a large amount every month. You can also appeal for a more convenient repayment terms. We can give you an option to delay your payment in times when it is impossible for you to do so. We do not penalize military borrowers here. We at militarycarloans.net are here to help! We know that due to the demands of your job, there would not be any banks accessible for you to make your payments. That is why you have the option to delay the payment. Borrowers in regular loans normally get penalized for missed payments.

Military auto loans are extended to all members of military service as long as they are in active service. Some loan companies specializing in military car loans consider a military member who was just recently enlisted as eligible. The time period of active service required for military auto loan eligibility varies in different loan companies. The credit report is not really as significant as it is with regular auto loans. Veteran military members can also take advantage of this type of loan. The car loan offers for them are more advantageous.

Are not these benefits overwhelming? You know where to find them. Military auto loans are available online and you can easily browse their offers. The application process is also easy. This is because the process does not undergo a lot of steps before they give you the result.


Just Plane Loans – Aircraft Loans #quick #student #loans


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We will loan on most single engine or light multi-engine aircraft in good flying condition that have a current annual inspection and are listed in the aircraft Bluebook.

We do not loan on some homebuilts, helicopters, antiques, cloth covered aircraft, lease backs, flight school trainers, dealer floor plans, agriculture aircraft, or aircraft with very high airframe times.

We do occasionally loan on warbirds but terms and rates are solely based on the type and condition of the warbird, the appraisal of the warbird, and the credit rating and capacity of the borrower. Warbirds must be inspected by a bank officer prior to any loan disbursement.

In all cases we base our credit decisions on the collateral for the loan, the capacity of the borrower, and the credit history of the borrower. We reserve the right to require a professional appraisal and inspect any aircraft prior to loan approval and/or disbursement of funds.


Top 4 Reviews of Just Military Loans #student #loan #application


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Just Military Loans

Worst Company EVER. Just Military Loans

By Jose – 08/15/2012

Rating: 1 / 5 1

WILMINGTON/SANDY SPRINGS, DELAWARE — Just military loans is by far the worst military “friendly” loan company in the whole United States if they were an international financial institution it would be in the whole world. Fast Loans? yeah right. There is not words to describe the magnitude of bad service and poor management these people offer to our service member not to mention the outrageous APR they charge you oviously to get you into more debt in the future. Their slogan “Serving those who serve” please remove that out of your website is more like screwing up those who serve. This following message is for you Just military loans and their Staff.

Answer me this question. How does it feel to scam the people that protect this country with their own blood and sweat in the battlefield? how would you feel if I was your brother your sister your mother and you were giving me the type of treatment you give these service member would you sell an 70% 80% APR loan to your own mother?

We come back to the country we come from so that our fellow American can help us out not screw us over. Shame on you guys how do you even sleep at night from the CEO to the newest employee in this financial institution from the wealthiest investor to the least one. I can’t believe this is the kind of people I risk my life for out there in the field.

I thought to myself you guys were living to your motto to your slogan but I guess I was wrong. But you keep what you doing. One of these days you will hear from the Distric and State attorney along from the president of the United States Himself. Companies like yours shouldn’t be on business. Taking advantage of those in need.


Just Military Loans Reviews – Personal Loans #advance #payday #loans


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Nursing Trends and Challenges of Today and Tomorrow

By Mark Sprada, MBA, BSN, RN

There is no question that in 2012 we are witnessing an evolving nursing profession. Today s nurse is not the same one who donned uniform and cap just 50 years ago. Today s nurse isn t the same as the one from a mere decade ago. So, it makes sense that as the profession develops there are a number of emerging trends and challenges that must be addressed.

The Institute of Medicine recently released its report on the future of nursing, and the challenges they outlined reflect issues being faced by leadership across the country.

First, our profession is struggling to identify an educational requirement for entry to practice. As more health professionals continue to educate themselves through masters, doctorates and fellowships, many nurses do not enter the work force with a bachelor s degree. Existing nurses need to complete their undergraduate degree, while future nurses need advanced education that can be put into practice to improve patient outcomes and the population’s health.

Second, health care is challenged with how to keep up with ever-changing technology. Let s face it, technology has gone Star Trek. Whether the Electronic Record or the operating room, technology is an integral part of patient care and the practice. Leaders must recognize that education is necessary to make technology user-friendly for all nurses. Technology ultimately improves work flow, but first nurses must be engaged during planning, implementation and optimization of systems.

Third, as the world continues to diversify, the nursing profession also must become more diverse. Nurses need to be educated in cultural differences and have access to resources that make care for patients of all cultures routine.

Finally, the nursing average age continues to increase. A large percentage of nurses are baby boomers who are approaching retirement. Managers need to leverage their contributions and keep them in the workplace. At the same time, a potential shortage of nursing staff particularly highly qualified nurses needs to be addressed to prevent compromising patient care.

While each of these trends and challenges can seem daunting, there has never been a more exciting time to enter nursing. Just think of everything that nurses of the future will learn and accomplish.

As a nurse in 2012 and beyond, a person has the opportunity to not only be educated in a chosen field, but also constantly learn as he or she interacts with other disciplines throughout the health care system.

There are no limits to where a career in nursing can take someone. A nurse need only choose the career track he or she would like to follow, and with the right attitude and knowledge, the opportunities are limitless. Whether it is continuing as a clinician or a transition into systems leadership, with the proper education and real-world experience, nurses are positioned to be the leaders as health care transforms.

A successful career in nursing also brings rewards such as being a member one of America s most respected professions. And, in addition to educating patients, preventing complications and being the front line of accountability for cost mitigation, today s nurse will witness the continued evolution of a great field. Yes, it s a great time to be a nurse and it will be even greater and more respected in the future.


Just Military Loans Launches New Referral Program. #calculate #auto #loan


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Press Release

Just Military Loans Launches New Referral Program

In order to find new people who are interested in Just Military Loans, the company has launched a new referral program. Each person who signs up for the referral program earns $25 cash (up to $250 per month) for each friend who gets approved for a loan and completes the online contract.

Wilmington, DE, February 16, 2012 –(PR.com )– In order to find new people who are interested in Just Military Loans. the company has launched a new referral program. Each person who signs up for the referral program earns $25 cash (up to $250 per month) for each friend who gets approved for a loan and completes the online contract. Through the Buzz Referrals custom application, the referrer gets a personal link that can be shared on Facebook, Twitter or via email. This is a great way for the company to spread the word about military loans, and a way for military members to help their fellow service men and women find out about the financial assistance they so often need.


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We will loan on most single engine or light multi-engine aircraft in good flying condition that have a current annual inspection and are listed in the aircraft Bluebook.

We do not loan on some homebuilts, helicopters, antiques, cloth covered aircraft, lease backs, flight school trainers, dealer floor plans, agriculture aircraft, or aircraft with very high airframe times.

We do occasionally loan on warbirds but terms and rates are solely based on the type and condition of the warbird, the appraisal of the warbird, and the credit rating and capacity of the borrower. Warbirds must be inspected by a bank officer prior to any loan disbursement.

In all cases we base our credit decisions on the collateral for the loan, the capacity of the borrower, and the credit history of the borrower. We reserve the right to require a professional appraisal and inspect any aircraft prior to loan approval and/or disbursement of funds.


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It made to complete a brief and uncomplicated Just military loans application with the expected Just military loans particulars.

Financial products if you have less-than-perfect credit may be available at any time since apply for these loans without notice through internet.

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