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Earn as you learn nursing program

#earn #as #you #learn #nursing #program


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Portland Community College

National Standards, Local Expertise

Located at the Sylvania Campus, PCC’s Nursing program is approved by the Oregon State Board of Nursing and accredited by the Accreditation Commission for Education in Nursing, Inc. (ACEN). In our program, you will learn the knowledge and skills required for an entry-level nursing job, and qualify to take the National Council Licensure Examination for Registered Nurses, which is a requirement for practice. Our program is designed to prepare the student to be licensed as a registered nurse (RN). RNs deliver nursing care in a variety of healthcare settings.

In 2010 PCC became a member of the Oregon Consortium for Nursing Education (OCNE). This coalition of statewide nursing educators and programs consists of Oregon Health and Science University (OHSU), Portland Community College, Umpqua Community College, Southwestern Oregon Community College, Rogue Community College, Lane Community College, Clackamas Community College, Mount Hood Community College, Blue Mountain Community College, Treasure Valley Community College and Clatsop Community College. OCNE schools have the same prerequisites and comparable application processes for students.

Degrees

In this program you can earn the following:

  • Associate of Applied Science Degree

See the catalog for curriculum information. For program admission information, please visit Nursing Admissions .

Admitted Nursing students will have the option of completing a Bachelor’s Degree in Nursing at Oregon Health and Science University after successfully completing two years at PCC. For more information please visit OHSU Community College Transitions page. PCC also has a formal articulation agreement with Linfield College School of Nursing. PCC students are provisionally accepted into the RN to Bachelor of Science in Nursing (BSN) program during their final term.

ITT Nursing teach-out

In addition to PCC’s Nursing program, which is accredited by the Accreditation Commission for Education in Nursing (ACEN) and is affiliated with the Oregon Consortium for Nursing Education (OCNE), PCC is providing support to the teach-out of the Breckinridge School of Nursing formerly at ITT Technical Institute, which closed its doors in September 2016. The teach-out is only for Breckinridge students in the Portland area and includes only the last five quarters of the Breckinridge program. The two programs are separate, with different courses (NRS prefix for the PCC program and NUB prefix for the Breckinridge program) and are administered separately by different directors. The Breckinridge program is not accredited by ACEN nor is it affiliated with OCNE. PCC’s support of the teach-out of the program is being provided at the request of and with the financial support of Oregon’s Higher Education Coordinating Commission and will run from January 2017 through March 2018, at which time it will cease to exist. Contact Allisa Sauraan for more information.

What’s Next?

  1. Attend an Information Session or make an appointment to speak with an Advisor: 971-722-4795
  2. Complete the steps for new students
    • The admissions form will ask you what you plan to study. Since this is a restricted entry program, you should choose Associate of General Studies for now. Your major will be changed once you’ve applied and been accepted into the program.
  3. Plan how you’ll pay for college
  4. Apply for admission to the Nursing program

Related Programs at PCC


Medical Billing Training Program Red-Flags You Should Avoid, learn medical billing online. #Learn #medical #billing #online


Medical Billing Training Program Red-Flags You Should Avoid

Learn medical billing online

The good news is that medical billing and other medical record keeping jobs are growing, according to the Bureau of Labor Statistics. More good news is that medical billing can be learned and done from home. However, like other areas of working at home, scammers are duping unsuspecting would-be medical information technicians out of their money and their home-based career dreams.

Quality online medical billing courses exist and it s easy to learn what s involved and how to find a good program.

However, by learning the red-flags in questionable programs, you have an additional knowledge to help you weed out the scams.

Here is a list of things to avoid when searching for a reputable medical billing program.

  1. Programs promoted with a lot of hype, especially with a focus on working at home without a lot of experience.
  2. Programs not taught by by experienced medical billers, medical coders, or a successful medical billing business owner.
  3. Medical billing training offered by educational clearinghouse (school that teaches everything from accounting to zoology). The problem with EC s is that you re not taught the in-depth information you need to be proficient within the medical billing industry.
  4. Programs that insist it takes two years to complete, unless one of the following applies:
    • Your current situation doesn t allow you to dedicated the necessary time to complete the course sooner,
    • Your course also consists of additional subjects such as medical transcription, medical coding or healthcare management,
    • Your course also prepares you to sit for one of the National Certification Exams given by the The American Medical Billing Association (AMBA), The American Academy Of Professional Coders (AAPC) or American Health Information Management Association (AHIMA).
  1. Training programs that don t cover the essential aspects of doing medical billing including anatomy, medical terminology, coding, insurance rules, and billing software programs.
  2. Medical billing programs that are more than $1,200. However if your course also includes classes on becoming a nationally certified medical coder or medical transcriptionist, then the cost could get as high as $2,500.
  1. Medical billing training is separate from certification, so programs that promise certification should be suspect. After your training, you can get certified, but certification isn t included in training. Note, only three organizations, such as American Association of Professional Coders, award medical billing certifications, which involves a lengthy and extensive exam. When you take a course the most that they can give you is called a Certificate Of Completion which means that you satisfied the requirements of the course and have been awarded the certificate as proof that you did.
  2. Program that don t offer several payment options. Depending on where you take the course (i.e. a community college), you might even be eligible for financial assistance.
  3. Medical billing training that doesn t allow you to speak with past or current students. Not providing references is a red flag.

When you find a program you like, do your research. Don t be afraid to ask questions, such as how long has the school been around and is it accredited, what is the credentials and experience of the instructors, does the program prepare you for the certification test, what are payment options and is there a refund policy, and is there help in finding jobs or clients?

If you feel you ve been scammed by a medical billing program, there are a few things you can do, including reporting the program and contacting your payment processor to report the fraud.

Like other work-at-home industries, the home based medical billing industry has scams and questionable programs. However, that shouldn t keep you from becoming a medical biller. Instead, learn all you can about the industry including how to choose a reputable training program, and how to find legitimate medical billing jobs or start a home business.

Medical Billing Note From Your Guide

This article is part of the Medical Billing Guide, a five piece series that looks at the ins and outs of medical billing and coding, both as a career and as a home based business.


Student Loan Default: Learn How to Prevent Student Loan Default #current #interest #rates


#student loan default
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Student Loan Default Prevention

  1. Don’t do it. It’s easy to fall behind on making payments on your student loan after you graduate, but remember that missing even one payment is a bad idea. so try to avoid it!
  • You might get labeled. If you forget to pay your bill by the due date, make sure you pay it immediately to avoid a default penalty (don’t wait until your next bill). Most servicers give you 30 days before they report your delinquency to the credit bureaus. Once you get that “delinquency” label on your credit report you can NOT get it removed. The same goes for your parents who may have cosigned your loan.
  • No worries. automate. Signing up for automatic payment deductions from your bank account will help you stay on top of your loan payments. Of course, you also need to make sure there is enough money in your account to cover the bill.
  • Know-it-all. To prevent a default, it’s important to know where your loans are serviced and to know your rights and responsibilities as a borrower. Talk to your loan servicer or lender to make sure you have all the information you need.
  • The mail must go through. Make sure to let your loan servicer know that you have changed your address if you move. Not letting them know could result in missed mail, and ultimately end in a default on your student loan.
  • Ask for help. If you are having difficulties paying back your loan, call your loan servicer or lender to see if they can help. Income-based and graduated repayment options are available, or they might be able to extend your repayment period. Don’t wait until you’ve defaulted. ask for help as soon as you need it.
  • More school, more time. If you are enrolled in school at least half-time, you are eligible to defer your federal direct student loan payments until after you graduate or drop below half-time status. You may also be able to defer some private student loans as well (check with your lender or servicer).
  • Life is hard. If you are facing certain hardships that make it difficult to pay back your loan there are some deferment and forbearance options available. Talk to your loan servicer to discuss your options.
  • Loans aren’t free. Ultimately, you will need to pay back your student loan. In general loans can’t be forgiven (even if you file for bankruptcy). So remember to ask for help if you need it.
  • Additional student loan and college planning resources



    Home Equity Loan in CT: Learn about Home Equity Loans in Connecticut #loans #for #small #business


    #best home loan rates
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    Home Equity Loans in Connecticut

    Learn about home equity loans for CT residents

    Connecticut may be a small state, but it’s sizeable in reputation. It’s the home of Yale, ESPN, and Mystic, a famous town notable for its breathtaking scenery, museums and shops. If you’re lucky enough to live here, you may make your home in a major city like Bridgeport, Hartford or Stamford or perhaps in more rural towns in the northern part of the Constitution State.

    No matter where you live in Connecticut, a home equity loan can help bring your dreams within reach:

    • A Connecticut home improvement loan is perfect for remodeling, renovating or updating your home.
    • Consolidate expensive car payments or student loan debt with a home equity loan for CT residents.
    • With a Connecticut home equity loan, you can use the money for any expenses simply by writing a check.

    A home equity loan in CT could give you the money you need to fix up your historic home in Hartford, buy a new boat for weekends on the Gold Coast of Fairfield or finance your child’s education.

    Apply for a home equity loan in Connecticut

    You can start the home equity loan application process in Connecticut by answering a few questions online, and one of our Home Loan Advisors will contact you by the end of the next business day to discuss rates and complete the next steps in the process. You can also learn more about our home equity loan products.

    Check out our other Connecticut products:



    Home Equity Loans – Learn, compare offers for Home Equity Loans #investment #property #loans


    #home equity loan
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    Home Equity Loans

    Many parents of college students are utilizing home equity loans as part of their financial aid packages. It is important to review multiple lenders before applying. Consider all of your options. A one stop shop just might just be your local Credit Union. Close your new loan on time with fewer worries when you “think local,” so consider borrowing from your local bank or credit union in our Credit Unions Database .

    Life and Money

    All these years you may have successfully maintained sufficient finances for the house you own, the bills and your daily expenses, but as you look ahead, it may not seem to be enough. The economy is bad. The kids are coming and, sooner than you think, college tuition expenses could leave you feeling overwhelmed. You can start searching for available financing that can ease the burden. You may not know it now, but your house may be able to help you with college expenses. Insight and solutions to your upcoming finance issue could be dealt with simply by visiting this site, Home Equity Loans.

    Spending for Financial Assistance

    While you spend money, you open up opportunities to gain money. This is the essence of Home Equity Loans, to allow you to get money for your finances through your mortgage payments. Your home is yours as long as you pay its mortgage. It is your investment, your asset. It is an asset that you can use to extract money. Your home’s value increases as the mortgage period progresses. As you regularly pay your mortgage, you are able to pay off the actual property value of your house. NOTE: Research Property Values . The remaining payments on your mortgage are likely to be the interest that accrued on the home loan which you will pay regularly scheduled payments. This is your home equity. This can allow you to take out a loan or line of credit on the money you will spend for your mortgage in the future. While you’re spending to keep your house, Home Equity Loans will give you the financial assistance to help you maintain your house’s health, your body’s health or possibly your child’s college tuition.

    Learning More about a home equity loan

    Here at Home Equity Loans, you can learn more about the different types of Home Equity Loans, what you can get out of them and how you can get them. Our Home Equity Loan Calculator can help you to map out the finances that you can get out of your home. You’ll find information on what to watch out for and things to prepare for in the loan application. Find out what qualifications are required for an application before heading out to a lender. read Kathy Sweedler’s Article to see if an equity loan is right for you.

    Blogging on Home Equity Loans



    International Student Loan: Learn About International Student Loans from Citizens Bank #loan #insurance


    #international student loans
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    International Student Loans

    Learn about international student loans for studying in the U.S.

    For decades, the United States has been a beacon of higher education around the world. With its globally recognized colleges and universities, students from around the world have been coming to America to pursue higher education. But how can they secure an international student loan to finance those educations?

    To receive federal student financial aid, you must be a U.S. citizen or U.S. national (including natives of American Samoa or Swain’s Island) or a U.S. permanent resident who holds a permanent resident card.

    However, study abroad students are eligible for some private, international student loans. At Citizens Bank, our private student loan product, the Citizens Bank Student Loan . allows international students to apply as long as they have a credit-worthy co-signer who is a U.S. citizen or a permanent resident.

    Remember that international studying in the U.S. will require considerable preparation on your part. Among the things you’ll need to arrange for are:

    • Obtaining your student visa. In most countries, that will require an in-person interview. Consulates and embassies are busiest during the summer season, so you’ll want to make these arrangements before then.
    • Testing your English. Most colleges and universities in the U.S. will require overseas, non-native-English-speaking students to prove their command of English through a standardized test.

    Some of these arrangements take longer than they used to in the post-9/11 environment. So don’t wait until the last minute to make your plans.

    Learn more about our affordable Citizens Bank Citizens Bank Student Loan

    Find helpful information about the Citizens Bank Citizens Bank Student Loan . If you still have questions, call a student loan specialist at 1-800-708-6684, and we’ll help walk you through the process.

    Additional student loan and college planning resources



    Student Loan Guide: Learn About School Loan Options in Canada #military #loans #no #credit #check


    #loans canada
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    A Guide to Student Loans

    The average cost of post-secondary education in Canada can top $80,000, making financing a reality for most students. If you re unsure of where to start, use this guide to student loans and learn how to apply for federal, provincial and private loans.

    Government school loan programs

    The federal government has two programs which can help you fund your education. You can apply for school loans from the Canada Student Loan Program (CSLP) or grants from the Canada Student Grants Program (CSGP). Visit www.canlearn.ca to learn more and see how you can apply.

    Canada Student Loan Program. Whether you re a full- or part-time student, you can apply for a loan through this program. If your application meets the established requirements for financial need, you could be eligible to receive up to 60 percent of the cost of your tuition in federal loans. There is also a maximum amount you can receive, and that is subject to change, so consult the latest literature to review this cap. When you graduate, you will owe the loan amount plus interest back to the government.

    Canada Student Grants Program. This program combines all of the previously available federal grants into one plan. Again, you have to apply for a grant and demonstrate financial need. If your application is accepted, you could be eligible for grant money, which you do not have to repay upon graduation. There are also grants for individuals who fall into certain categories, such as those who are disabled or are supporting children while attending school.

    Provincial and territorial school loans

    When you max out your federal benefits or if you are denied federal financial assistance, you may be able to find support from the province or territory that you reside.

    Alberta. The Alberta Learning Information Service offers scholarships, bursaries and school loans plus financial planning resources.

    British Columbia. StudentAidBC provides loans, scholarships, grants and more. They also have special information for applicants who have dependents, disabilities, use income assistance or have other unique situations.

    Manitoba. You can apply for tuition loans and grants through Manitoba Student Aid. If you re a medical student, review the special section on medical grants.

    New Brunswick. Apply for full-time or part-time student assistance through New Brunswick s Student Financial Services. You ll find all the information and forms you need for provincial aid.

    Newfoundland and Labrador. Learn about your financial assistance options with Newfoundland and Labrador Student Aid. Start your full-time or part-time loan application, or read more about grants and other aid options.

    Northwest Territories. Find student handbooks, policies, procedures and applications for aid from NWT Student Financial Assistance .

    Nova Scotia. Visit the Nova Scotia Student Assistance department to view your student aid options. You can apply for student loans and find approved institutions.

    Ontario. The Ontario Student Assistance Program seeks to provide financial support to its residents through student loans, grants, scholarships and bursaries. You may be eligible for aid whether you are a full-time or part-time student.

    Prince Edward Island. Apply for provincial loans through PEI Student Financial Services. They offer both full- and part-time funding.

    Quebec. Take advantage of loans and bursaries for both full- and part-time students from the Aide financiere aux etudes .

    Saskatchewan. View your student loan options through the Saskatchewan Student Financial Assistance program. Learn more about student assistance with the Student Loan Handbook, and then apply for loans.

    Yukon Territory. See if you re eligible for aid from Yukon Student Financial Assistance. Learn about grants, loans, scholarships, awards and other funds you can take advantage of to help pay for your education.

    Private student loans

    If you’ve maxed-out government aid options, look into school loans and lines of credit from CIBC. For example, with an Education Line of Credit. you can get the money you need to pay for books, housing, tuition, transportation and more.

    If you re a student working toward a professional degree in medicine, accounting, dentistry, law, business, pharmacy or other programs, you can take out larger tuition loans and lines of credit to accommodate the increased costs of these schools. CIBC offers the Professional Edge Student Program. which is a line of credit that comes with repayment options to fit your budget.

    You can also use the equity in your home or your parents home to get a lower interest rate on a Home Power Plan that can be used to fund your education.

    You can apply online or get your questions answered by talking to a CIBC advisor at 1-866-525-8622 .



    Student Loan Applications: Learn How to Apply for a Student Loan from Citizens Bank #6 #month #loans


    #student loan application
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    Student Loan Application Process

    Discover what you’ll need to do to apply for student loans

    If you’re concerned that the student loan application process is complicated, you’re not alone. The process to apply for federal student loans can actually be quite confusing, but Citizens Bank is here to help. The first step in the process is completing the FAFSA, or Free Application for Federal Student Aid. You can perform the entire process online at the FAFSA website. If you prefer (although students are strongly encouraged to apply online), you can apply for student loans by filing a hard copy of the FAFSA through the postal mail. Just check with your high school guidance counselor to get the paper form.

    What will you need to complete your FAFSA?

    You’ll need your:

    • Federal student aid PIN number, which will allow you to access the application and sign the form. You can get your pin number at www.pin.ed.gov .
    • Social security number and driver’s license
    • W-2 tax form and other recent records on the income you’ve earned
    • Copies of your parents’ current-year tax return (if you’re a dependent). If they have not yet filed this year’s taxes, you can include estimated numbers in the FAFSA, and simply update them with the actual numbers later.

    The remaining steps in the loan application process are simple. Within weeks, you will receive your Student Aid Report, which outlines your expected family contribution. Since you’ll indicate on the FAFSA which colleges you’ve applied to, the form will be automatically forwarded to those schools. Soon, the financial aid offices of those institutions to which you’ve been accepted will send you a formal financial aid award letter outlining the financial aid package they will offer you. Your job will then be to compare those offers, and choose the school that best fits your future goals and family budget.

    Once you’ve chosen the right school for you, you need to accept that school’s financial aid package if you choose to receive aid. Remember, even after you’ve accepted your award letter you should check with your school’s financial aid office to see what other forms or documents you will need to complete in order to secure your funding (for example, completing your Stafford Loan Master Promissory Note or MPN).

    Apply for a Citizens Bank private student loan

    After you’ve accepted your financial aid award, there still may be a gap in financing that you and your family are responsible for filling. A private student loan will help cover additional expenses. Find out more information on the Citizens Bank Student Loan . If you still have questions, call a student loan specialist at 1-800-708-6684, and we’ll help walk you through the process.

    Additional student loan and college planning resources



    Learn about Car Loans & Auto Financing with Nationwide #ez #loan


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    Banking Resources arrow expand

    Nationwide

    New Auto Loan Used Auto Loan Auto Loan Refinance

    CONTACT US FOR ASSISTANCE

    Call 1-877-422-6569 8 a.m. – 11 p.m. ET Monday – Thursday 8 a.m. – 9 p.m. ET Friday 9 a.m. – 5:30 p.m. ET Saturday

    Simplify Auto Financing with Nationwide Car Loans

    How to get pre-approved for a car loan

    Share Article

    Nationwide 1-877-I Bank NW (1-877-422-6569)

    Nationwide Mutual Insurance Company, Nationwide Mutual Fire Insurance Company, Nationwide Life Insurance Company, Nationwide Life and Annuity Insurance Company and Nationwide Investment Services Corporation are affiliates of Nationwide Bank. The insurance products and services offered through these affiliates of Nationwide Bank are not insured by the FDIC or any federal government agency, nor are they guaranteed by, deposits of or obligations of Nationwide Bank. The products and services offered through Nationwide Investment Services Corporation are subject to investment risk, including possible loss of value.

    Programs (including, without limit, fees, rates and features) are subject to change without notice.

    Nationwide Bank, Member FDIC, is a federally chartered savings bank. Loans, lines of credit and credit cards are not insured by the FDIC. Nationwide Bank is an Equal Housing Lender.



    Home Equity Loan in CT: Learn about Home Equity Loans in Connecticut #best #car #loan #rates


    #best home loan rates
    #

    Home Equity Loans in Connecticut

    Learn about home equity loans for CT residents

    Connecticut may be a small state, but it’s sizeable in reputation. It’s the home of Yale, ESPN, and Mystic, a famous town notable for its breathtaking scenery, museums and shops. If you’re lucky enough to live here, you may make your home in a major city like Bridgeport, Hartford or Stamford or perhaps in more rural towns in the northern part of the Constitution State.

    No matter where you live in Connecticut, a home equity loan can help bring your dreams within reach:

    • A Connecticut home improvement loan is perfect for remodeling, renovating or updating your home.
    • Consolidate expensive car payments or student loan debt with a home equity loan for CT residents.
    • With a Connecticut home equity loan, you can use the money for any expenses simply by writing a check.

    A home equity loan in CT could give you the money you need to fix up your historic home in Hartford, buy a new boat for weekends on the Gold Coast of Fairfield or finance your child’s education.

    Apply for a home equity loan in Connecticut

    You can start the home equity loan application process in Connecticut by answering a few questions online, and one of our Home Loan Advisors will contact you by the end of the next business day to discuss rates and complete the next steps in the process. You can also learn more about our home equity loan products.

    Check out our other Connecticut products:



    Online Interior Design Programs including CAD Training Online – Train to Professional Level for a Career in Interior Design Consultation #accredited #online #interior #design #program, #learn #interior #design, #free #interior #decoration #course, #be #an #interior #decorator, #learn #cad #interiors #online


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    Online Interior Design Courses – Rhodec International

    LEARN INTERIOR DESIGN 100% ONLINE –
    START STUDYING AT ANY TIME OF THE YEAR, FROM ANYWHERE IN THE WORLD, WITH NO ATTENDANCE EVER REQUIRED

    Whether you’re looking to improve your interior design skills or contemplating a complete career change, we have the interior design course to suit you.


    FREE “SAMPLER” ONLINE INTERIOR DECORATING COURSE
    Try our FREE “sampler” course first, with no obligation, to get a taste of the contents of the full Interior Decorator course.


    INTRODUCTORY ONLINE INTERIOR DECORATOR COURSE
    A thorough introduction to the subject, comprising 10 detailed lessons with accompanying assignments.


    PROFESSIONAL ONLINE INTERIOR DESIGN DIPLOMA COURSE
    Trains you to know, understand and put into practice the essentials of professional interior design. This online interior design course of study is structured in ten units.


    Now you can study Computer-Aided Design (CAD) INSTEAD OF. or in addition to, Drafting in our Diploma Course.

    Learn Revit Architecture for Interior Design 100% online with our partner college, CAD TRAINING ONLINE.

    BACHELOR’S DEGREE ONLINE INTERIOR DESIGN PROGRAM
    Upgrade to Bachelor of Arts in Interior Design status with just one further year of study on graduation from the Diploma Course, 100% by distance learning. Hands-on project and dissertation work.


    Copyright 1995 – 2017 Rhodec International Ltd. ALL RIGHTS RESERVED WORLDWIDE.

    Rhodec International is the longest-established specialist interior design distance learning school in the world. Founded in 1960, we have nearly six decades of interior design education expertise, with over 85,000 interior design course students registered during that period and alumni in more than 120 countries worldwide.



    The Hybrid Cloud, Cloud Services, & Your Cloud Strategy, learn cloud computing.#Learn #cloud #computing


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    Cloud Strategy

    Thank you for signing up!

    • Learn cloud computing
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    Learn cloud computing

    To access all of the free content below either Sign in or Register. Or click on a free research or webinar link.

    Why Cloud Now?

    Learn cloud computing

    Cloud helps support digital business for IT leaders who need to reconfigure architecture and applications quickly and be ready to improvise to capture unpredicted opportunities. Read Now

    Become a Client

    Talk to us now to learn the benefits of becoming a Gartner client.

    Learn cloud computing

    Read how CIOs with solid cloud strategies are able to spring into action when conditions are right. Use cloud to seize opportunities to achieve digital business success. Learn More

    What Is Cloud?

    Learn cloud computing

    Find out the opportunities and benefits for CIOs who use cloud as a flexible style of computing and the importance of creating a solid cloud strategy. Watch Now

    Learn cloud computing

    Get answers to how you and your enterprise architect team can coordinate cloud computing decisions across your organization to align with business goals. Learn More

    Learn cloud computing

    Take advantage of cloud services as you lead the shift to digital business. Understand trends, identify opportunities and build a solid cloud strategy that meets your business needs. Learn More

    Who’s In Charge of the Cloud?

    Learn cloud computing

    Move everything to cloud services or keep some capabilities on-site? See how wise CIOs like you decide where and when to use cloud to achieve critical business outcomes. Learn More

    Learn cloud computing

    See how CISOs manage cloud security as hundreds of devices and apps are used across the enterprise. Explore multitenancy, virtualization and SaaS. Learn More

    Learn cloud computing

    Discover the strengths and weaknesses of traditional and cloud service providers as you seek help to assess, manage, migrate, secure and optimize hybrid IT. Learn More

    How Cloud Works

    Learn cloud computing

    Embrace the power of an agile, scalable, “cloud-first” mentality and get your organization ready to make the most of spontaneous business opportunities. Learn More

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    How do you choose a megaprovider to be your strategic cloud IaaS service for the future? 205 evaluation criteria points help make your strategic decision easier. Watch Now

    Learn cloud computing

    Cloud computing is one of the most valuable innovations in IT and business strategies. Yet, after a decade, cloud computing is still perplexing to many CIOs. It’s time to clear up some myths. Learn More



    ISACA Certified Information Systems Auditor (CISA) #information #systems, #auditor, #professional, #it, #study, #learn, #cisa


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    Business and Office Career Courses

    ISACA Certified Information Systems Auditor (CISA)

    The Certified Information Systems Auditor (CISA) Certification training course from Study IT Online provides students with knowledge and skills IT Security professionals and auditors need to prepare for the CISA certification exam, including: the Information Systems Audit Process, Information Technology Governance, Systems and Infrastructure Life Cycle Management, IT Service Delivery and Support, Protection of Information Assets and Business Continuity and Disaster Recovery.

    The Certified Information Systems Auditor (CISA) program, sponsored by ISACA�, has been the globally accepted standard of achievement among information systems (IS) audit, control and security professionals since 1978. As a Certified Information Systems Auditor (CISA), you’ll perform a business-critical function: assessing your organization’s IT and business systems to ensure they are monitored, controlled, and protected.

    Candidates for this exam typically have a minimum of five years of experience as an information systems auditor or a similar combination of education and job experience. The CISA Certification is also part of the new DOD 8570.1 requirements for military and government personnel and contractors.

    Study IT Online’s CISA training course maps directly to the exam objectives and offers numerous features such as exam tips, case studies, and practice exams. We are so certain this class will provide you with the knowledge and skills you need to succeed, we guarantee you will pass your exam!

    � Course Duration: 3 Months

    Learning Segments

    CISA: Certified Information Systems Auditor

    Overview

    • The IS Audit Process
    • Risk Analysis and Risk Management
    • ISACA Code of Conduct
    • Performing an Audit
    • IT Governance
    • ISS and The Role of Policies and Procedures
    • Risk Management
    • Information Systems Management Practices
    • Organizational Structure and Responsibility
    • Project Management
    • Systems and Infrastructure
    • Business Application Development
    • Application Controls
    • Business Tools
    • SLOC SDLC Demo
    • IT Service Delivery and Support
    • Information Systems Operations, Hardware and Software
    • Enterprise Network Architectures
    • Network Infrastructure
    • IP Addressing
    • Protection of Information Assets
    • Access, Exposures, and Security
    • Auditing the Physical Framework
    • Crypt MD5 Demo
    • Password Restrictions
    • Business Continuity and Disaster Recovery
    • Recovery Strategies
    • MinuteMan
    • IP Subnet Calculator
    • MD5sum

    Free Catalogue Download

    Free Career Path Download



    Interest-Only Mortgage: Learn About Interest-Only Mortgage Loans #student #loan #interest #rates


    #interest only loans
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    Interest-Only Mortgage Loan Overview

    Find out more about interest-only mortgage rates and payments

    If you’re in the market for a mortgage, you may find the option of an interest-only mortgage. You may be wondering what this entails and if it might be right for you. To learn more about this type of mortgage, first review this guide to the basics.

    What is included in an interest-only mortgage payment?

    When you have an interest-only mortgage, your monthly payment consists of only the interest your home loan is accruing. This means your payment is lower than it would be if you were paying a fully amortizing payment, which is a combination of principal and interest.

    How long will I pay only interest?

    This is limited to a set period – sometimes five or seven years – as eventually you’ll have to pay the principal. When you’re only paying interest, you’re not making any progress toward paying off the principal, or balance of the loan that you owe to the lender. (A fully amortizing payment does chip away at the balance.)

    If you have variable income right now, an interest-only mortgage will hold your monthly payment down for those first few years, which may be a good thing. And, if you wanted to pay more in a month to pay down some of the principal, that option is available to you. Remember, you must meet the qualifications for an interest-only mortgage to receive one. Check with your lender for specific details.

    How do interest-only mortgage rates vary?

    These loans tend to represent more risk to lenders, so you may find higher interest rates. This is important to remember because when the interest-only period expires, that higher interest rate means your payment will increase substantially.

    Which types of buyers should consider an interest-only mortgage loan?

    Originally, these loans were designed for more expensive homes and wealthier buyers who had incomes based off of substantial commissions and bonuses. The rationale was that a higher monthly payment may be harder for them to pay on a regular basis, but when they receive their large lump sums, borrowers could then pay a considerable amount of money toward the principal. Interest-only mortgages have become available to more buyers in recent years, but you should still carefully consider your options.

    An interest-only mortgage is not generally advised for the average homeowner who earns a steady wage and takes out a median home loan. This homeowner can likely find a mortgage with a regular monthly payment he or she can afford. Additionally, when the payments adjust at the end of the interest-only period to include the principal, the jump in the monthly payment might shock the budget.

    So, who are the best candidates for interest-only mortgage loans? Homeowners who fall into that original group of buyers who have income driven by bonuses, commissions and such.

    What are my options when the interest-only period expires?

    No matter your situation, remember the interest-only period is only temporary, so you’ll still need a plan to pay off your mortgage when it expires. At that time, you may be able to refinance the loan into a fixed- or adjustable-rate mortgage. pay off the remaining balance, or stick with your payment plan even as your monthly payments increase.

    Work with Citizens Bank on your mortgage

    If you have more questions about your mortgage options, Citizens Bank can help. Reach out to one of our home loan advisors at 1-888-514-2300 to learn more about mortgages or to start your application. You can also start your mortgage application online. and a home loan advisor will contact you to complete the process.



    Dental Assistant Fullerton in Orange County CA #fullerton, #school, #dental, #assisting, #la #habra, #placentia, #yorba #linda, #learn, #academy, #whitter, #anaheim, #dentistry, #assistant, #and #orange #county, #training, #career, #job, #security, #good, #pay, #professional, #california, #work, #environment, #class, #internship, #assistants, #class, #classroom


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    Dental Assistant

    Currently there are more openings available than there are Dental Assistants to go around! The demand is there–why not take advantage of this opportunity?

    Our information will answer all of your questions about dental assistant training, dental assisting classes and dental assistant internship.

    We prepare all interested dental assistants for their DPA, RDA written, and RDA practical exams.

    Beyond the Dental Assisting School we offer the following Additional Dental Board approved Courses to become a Registered Dental Assistant:

    • CPR / BLS Course approved by ARC / AHA
    • Infection Control & DPA (Dental Practice Act) – 8 hrs
    • Radiology Course (Radiation Safety) – 32 hrs
    • Coronal Polish Course (16 hrs course)
    • Pit & Fissure Sealant Course – 16 hrs
    • RDA Practical Review Course – 8 hrs
    • RDA Written Review Course – 8 hrs

    These are blended courses that incorporate both in office experience and classroom work as well. They satisfy the California Dental Board requirements. Our instructors are practicing RDAEFs and have years of clinical RDA work experience in the most modern dental practices.

    Dental Assistant Jobs in Fullerton and surrounding area – Great Reasons to Join:

    • You can earn $12 to $26 per hour
    • You’ll work in a professional environment assisting with dental procedures, lab work and office duties.
    • Your job as a Dental Assistant is recession-proof
    • Your job may come with benefits such as paid vacation, and sick leave, medical and hospitalization, reimbursement for continuing education course fees, pension plans (401k) and profit sharing or bonus plan.
    • You can find employment anywhere in the United States

    We can train you in 13-weeks with 78-hours of lecture and lab plus a 56 hour-dental assistant internship with a practicing dentist. You will earn the 5 certificates required to work in dental assisting in California (DA certificate, CPR approval by AHA, Radiation, Infection Control, and CA Dental Practice Act – all approved by the CA Dental Board.

    After you graduate you’ll have the skills to get a job immediately. We have a 90% job placement success rate. A letter of recommendation is provided along with help in job interview preparation, and help with resume preparation.

    Phone: (714) 882-5518

    Reviews for Assistant School:


    “What an amazing school and I had a great experience. Fullerton Dental Assisting School helped me get a job before I was done with my schooling. My favorite aspect was doing half the classes up-front learning the core information and then going into the back and doing the hands-on work.”
    – Savannah S. from Fullerton CA


    “I loved going to this dental assistant school. I started working in a dentist office during my externship. I was able to come into class and get the extra help I needed. Small classes meant we got plenty of one-on-one time. Ms. Abby and Noha were always ready and willing to answer any questions we had.”
    – Breanna H. from Chino CA.


    “Classes were short and straight to the point – which made getting the dental assistant certificate easy . My experience during the class was a pleasant one. What I really enjoyed was that since our class was small it made it more like a one-on-one with the instructor. It felt like we became a small family.”
    – Tania B. from Costa Mesa CA


    “I enjoyed interning in this office. It is so professional and the staff is calm and patient. I really learned a lot from them. The biggest benefit is that I was hired by them. Working at their office has been one of the best experiences.”
    – Ariel G. from Whittier, CA


    “For all out there that want to better themselves this program was a blessing to me I loved the teachers and all the experience that I obtained from the externship. I was able to find a job right after I graduated . Most of all I am loving what I do and I feel great about myself.”
    – Ana A. from Fontana, CA



    10 Steps to Becoming a Nurse – Nursing Link #how #to #become #a #rn #nurse, #ten #steps #becoming #nurse #step #1: #learn #about #nursing #benefits #articles


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    10 Steps to Becoming a Nurse

    Beth Anderson, RN

    Do you want to become a nurse but don’t know where to start out? This 10-step guide will help you find your way. You ll learn about the nursing profession, find out about the educational requirements and certifications, and get tips on how to survive your first year as a nurse. This guide is meant for prospective, current, and second career nurses everyone can use this valuable information!

    Click on the links below to access a comprehensive description for each step.

    Would You Pass the NCLEX?

    NCLEX Review: Part I
    NCLEX Review: Part II
    NCLEX Review: Part III
    NCLEX Review: Part IV
    NCLEX Vocab Review
    NCLEX Math Review

    Step 1: Learn Everything You Can About The Nursing Profession

    Step 2: Find Your Path to The RN Title

    Step 3: Choose the Nursing School That Fits You

    Step 4: Get into the School of Your Choice

    Step 5: Survive Nursing School

    Step 6: Decide on a Nursing Specialty

    Step 7: Pass the NCLEX

    Step 8: Consider Possibilities for Your First Job

    Step 9: Get Hired

    Step 10: Get Prepared For Your First Year As A Nurse

    Still have questions? Check in with the pros and compare notes with students in our Student Lounge forum.
    Kick-Start Your Nursing Career:

    NursingLink School Finder

    Save time in your search for a degree program. Use NursingLink’s School Finder to locate schools online and in your area.



    Learn How to Become a Play Therapist #what #do #i #need #to #become #a #counselor, #learn #how #to #become #a #play #therapist


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    How Do You Become a Play Therapist? And is a Registered Play Therapist Certification Worth the Time and Costs?

    How to Become a Play Therapist

    To become a play therapist you must hold an active license in a mental health field such as counseling, psychology, or social work.

    Before you can become a play therapist you must go to school, earn a degree in mental health, and get licensed in your field. Each state has a different criteria set up for counselor or mental health licensure in the United States. To become licensed in the state you live in one usually must hold a Master’s Degree or higher in mental health, take a state test, and have at least two to three years of supervision from a licensed supervisor.

    Candidates must have completed some type of course work in ethics, child development, and play therapy with an accredited degree and licensure program such as APA, CACREP, or NSWA.

    To Become a Registered Play Therapist:

    You must have the above training and continue 150 hours of play therapy instruction that specifically says the words “play therapy” in the course title.

    You also must have completed 500 hours of working as a play therapist under the supervision of a licensed supervisor.

    You also need at least 50 hours of direct supervision in play therapy. This supervision needs to be from a state approved supervisor.

    State approved supervisors need to have additional training in supervision. For instance, in the state of Georgia a state approved supervisor is called a Licensed Professional Counselor Supervisor, or L.P.C.S.

    The Association for Play Therapy is an agency that gives out the certification for Registered Play Therapist. You will need to submit transcripts, social security number, and your play therapy educational coursework in play therapy.

    You can choose to contact a Credential Coordinator at The Association for Play Therapy and ask them to preview your application for a $50.00 fee.

    The fee to apply for the registration of play therapy is $80.00 for members of Association for Play Therapy and $160.00 for non-members. The application is on the Association for Play Therapy’s website.

    To date I have many hours of play therapy training. I have well over 500 hours of play therapy experience and have had well over fifty hours of play therapy supervision. I continue to work as a play therapist, attend major play therapy workshops, and watch the hours add up.

    I am not, nor will I ever be a registered play therapist. I have never had a parent or guardian ask me if I was “registered” as a “play therapist”.

    I can call myself a “play therapist” but I am not allowed to call myself a “registered play therapist or R.P.T.” I have had several years of working directly with children and have had advanced training in play therapy.

    I have taught play therapy for several years at Mercer University in Atlanta, Ga. I feel that a creative therapist needs to have an eclectic approach and not put too much emphasis on one form of training.

    While of course I encourage all therapists to take play therapy training, I do not believe it is necessary to have so many hours in one theory of therapy.

    I have found myself actuually getting bored learning the same old thing at play therapy conferences year after year. Why do this when you can be learning other areas of therapy to help your clients in different ways?

    Learn More About Play Therapy in Dr. Stangline’s eBook Below:

    This is the exact replica of the graduate counselor play therapy class I teach at Mercer University. You can follow me step by step at your own pace. While not an actual “online class” this eBook will allow you to learn what I teach to graduate counseling students. For more information on play therapy eBook see the link below.

    To learn how to do play therapy it is best to seek supervision with a registered play therapist supervisor. Supervision with a registered play therapist supervisor can be more expensive than regular supervision. You can learn play therapy in other ways as well.

    It cost a lot of money to become a registered play therapist. I am not sure that the financial benefits are worth it. But, if your thing is to be a play therapist then please don’t let this stop you!

    Whatever you do as a therapist, especially if you work with children, get some training in play therapy. It can also benefit your adult clients.

    It is advisable to find a registered play therapist supervisor that offers group supervision.

    For more information go to your state play therapy association.

    It is also financially beneficial to work for an agency that has a registered play therapy supervisor on staff. Quite often, these agencies can offer affordable supervision or free supervision to licensed counselors seeking the registered play therapy credentials.

    It is also important to note that once you have become a registered play therapist you will need to have 36 hours of continuing education every three years. You must have 18 direct play therapy hours and 9 non direct hours. When I am acting as a school counselor I use play counseling and not play therapy. Play counseling is not as intensive as play therapy. It is shorter due to the limited time I have to deal with each student.

    Play counseling does not delve as deep as play therapy. As a school counselor I am limited with my interventions. I need to refer a student to an outside therapist if therapy is needed.

    Copyright © 2015 Creative Counseling 101.com
    All Rights Reserved

    C reative Counseling 101 eBook
    Our Best Seller!

    Step By Step Therapy:

    Learn how to be a more Creative Therapist with the Book that started it all!

    – Graduate School Counseling book used by hundreds of graduate counseling students!

    – Includes full color reproducible worksheets with most activities.

    – Winner of the Counselor Writer of the Year Award, 2011, Georgia Regional Award

    Download Your Copy Today Only $39.95:

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    Get your complete set of the Creative Counseling 101.com eBooks by Dr. Michelle Stangline for only $98.95, that’s only $25.00 per eBook (Regular Price is $39.95 for each eBook.).

    Your complete set includes:

    – Creative Counseling 101

    – Creative Group Counseling 101

    – Creative Play Therapy 101

    – Creative Sand Tray 101

    For more information click the link below:

    Art Therapy 101 eBook

    Over 300 pages of Art Therapy activities and techniques. Learn what I teach graduate counseling students!

    See the link below for more information.

    See More Invividual eBooks For Sale:

    Sand Tray Therapy 101 eBook:

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    Play Therapy 101 eBook

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    Small Group Counseling eBook For Sale:

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    School Counselor Guidance Lesson & Social Stories eBook for sale.

    Get a year’s worth of school counselor guidance lessons with “Creative Warm & Fuzzy Classroom Guidance Lessons eBook”. Introduce your students to the “Warm & Fuzzy Way”. Click the link below for more information:



    Learn How to Consolidate and Reduce Debt Faster – Wells Fargo #interest #only #loans


    #consolidate debt
    #

    Debt Pay Down Solution

    Wells Fargo’s Debt Pay Down Solution ® offers a simple way to help you pay down high-interest debt — faster than you thought you could.

    Step 2. Increase “What’s Left”

    Step 3. Pay Off Debt Faster

    Juggling multiple high-interest rate debts can be costly and stressful. Consolidating those debts with a Wells Fargo Personal Loan offers a fixed plan to help you pay down your debt with: 

    • A competitive fixed interest rate
    • One fixed, monthly payment
    • Fast credit decisions
    • No collateral required

    At the end of the loan term, if you’ve made your payments and not taken on any new debt, you will be debt-free.

    How soon could I be debt-free?

    Let’s look at an example. If you have $10,000 in high-interest debt and you consolidate it with a Wells Fargo Personal Loan at 13% Annual Percentage Rate (APR), you could be debt-free in five years by paying just $228 a month.

    Your deposits minus your spending = “what’s left”

    Keeping track of where your money is and what you’re spending it on is the first step in taking control of your finances. My Spending Report, a free online budgeting tool available only to Wells Fargo customers, can help you do just that. It displays your deposits and your spending by category to help you understand where your money goes every month and automatically calculates what’s left (your deposits minus spending).

    1. My Spending Report automatically tracks your deposits and categorizes your spending when you use these Wells Fargo accounts and services: Direct Deposits, Checking Accounts, Debit Cards, Credit Cards, Online Banking, and Online Bill Pay.
    2. Use that information to spend smarter and increase what’s left at the end of each month. 
    3. Use a portion of what’s left to make extra payments toward your loan principal and become debt-free faster.

    To see your Spending Report and create your own budget, just sign on to Wells Fargo Online® and select the “My Spending Report” tab.

    A little can go a long way

    Increasing what’s left by even a small amount can make a big difference in paying down your debt faster. Did you know that with just $41 more of what’s left each month, you could pay off a $10,000 loan a whole year sooner?

    Use a portion of what’s left at the end of each month to increase your principal payments and become debt-free faster.

    Get out of debt one year faster

    If you consolidated $10,000 in debt with a 13% APR, you could pay it off in five years with just $228 a month. But if you increase those payments by just $41 more a month, you could pay it off in just four years — and be debt-free a whole year sooner.

    Use automatic payments to accelerate your payoff



    Federal Loans: Learn How Federal College Loans Work with Information from Citizens Bank #advance #loans


    #federal loans
    #

    Federal Loans

    What are federal college loans, and how do you get them?

    If a cornerstone of the American dream has long been the ability to attend college even for those of modest means, federally guaranteed student loans are the main vehicle for accomplishing the task.

    But how do you go about getting federal college loans?

    Securing a federal loan begins with filing the FAFSA form, short for Free Application for Federal Student Aid, the nationally standardized method for assessing a family’s finances and thus their ability to shoulder part of the costs of their children’s post-secondary education. Since it’s good to file the FAFSA as soon after the first of the year as possible, you may want to file your tax returns early, since that tax information is a key part of what goes into the application.

    Within about a month of submitting your FAFSA to the U.S. Department of Education (which you can do online, at www.fafsa.ed.gov. your family and the schools to which your child has applied will receive a Student Aid Report (SAR). If you qualify for federal loans, these will be listed. It includes your expected family contribution, or EFC, which in turn becomes the basis for all loans, insofar as these loans must cover the difference between your EFC and what you can actually afford to pay out of pocket.

    There are two main types of federal student loans, subsidized loans (which are need-based, and for which the government pays the interest while a student is in school and during any grace periods or deferments which may follow) and unsubsidized loans, which are not need-based, on which the borrower pays all interest. But all are administered and channeled through the school your child will ultimately be attending.

    Learn more about affordable college financing options

    After grants, scholarships and federal aid have been maximized, a private student loan is a good option to fill any remaining financing gap. Find out more information about Citizens Bank’s Student Loan . If you still have questions, call a student loan specialist at 1-800-708-6684, and we’ll help walk you through the process.

    Additional student loan and college planning resources



    Learner driver car insurance #learn #about #car #insurance


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    Learner driver car insurance

    Car insurance before you take your driving test

    • Learn to drive in almost any car (as specified on the policy).
    • Practise in your parent’s, grandparent’s, friend’s or relative’s car without risk to their no-claims discount (as specified on the policy).
    • Various cover levels are available.
    • Instant policy cover and online insurance certificate issue.

    Learner Driver Insurance provides flexible cover against accidents while you gain experience on the road. Short-term or annual policies are available:

    • Short-term learner driver policies range from 28 days to 24 weeks, for your instruction period before the driving test. After a minimum 28-day initial policy you can renew your cover from 7 days to 24 weeks.
    • An annual learner driver policy is ideal if you’ve purchased a vehicle and require cover while using it to practise for your driving test.

    Automobile Association Insurance Services Limited will introduce customers to Collingwood Insurance Services (UK) Limited, which will arrange your Learner Driver Insurance.

    When you choose ‘Get a quote’ you’ll enter the Collingwood Insurance Services website, where you can get a quote or buy Learner Driver Insurance.

    AA Driving School

    See our latest offer for new pupils and book online

    AA Shop

    Everything you need to pass your driving test
    Good to know

    Please do read the Short-term or the Annual Policy Document before you buy Learner Driver Insurance. The Policy Document is also available when you get a quote.

    Automobile Association Insurance Services Limited, registered office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. Registered in England and Wales number 2414212.

    Automobile Association Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FCA). You can check their register or call the FCA on 0800 111 6768. quoting 310562 .

    Car insurance

    5 Star Rating from Defaqto – you’re in safe hands

    Connect with us

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  • What We All Can Learn from the Military s Payday Loan Problem #business #loan #calculator


    #military payday loans
    #

    About

    Getty Images As a 19-year-old, Robert Knoll made a mistake that many young people do — he got into debt. Knoll did it by living beyond his meager salary as a U.S. Marine, and using small payday loans to help him get by between paychecks. “The problem, though, is it puts you behind the next payday,” Knoll says.

    Those $80 to $200 payday loans added up, along with the $50 in interest he’d pay to borrow $200 for five days. With an annual percentage rate on the loan of more than 200 percent, Knoll would post-date a check for $250 for a $200 loan that would be paid off five days later when his paycheck was deposited into his checking account.

    “You can spend your entire paycheck before you get it,” says Knoll, now an account executive at DRIVEN Public Relations in Temecula, California. He retired as a Marine master sergeant in 2013.

    Help From the ARK

    Unlike servicemembers today, Knoll didn’t have help from the military on payday loans back then. One program that officials are trying to remind military members and their families about is the Asset Recovery Kit .

    For a $5 fee, members of 17 credit unions supported by the Pentagon Federal Credit Union Foundation can borrow up to $500 interest-free for 30 days. The program has loaned more than $3.8 million in 8,724 loans since it started in 2004, says Jane Whitfield, president and CEO of the PenFed Foundation. “We want to help in preventing short-term emergencies becoming long-term problems,” she says.

    Another program meant to help military members avoid getting stung by payday loans is the 2006 Military Lending Act. The law forbids payday lenders from charging more than 36 percent annual interest rates on loans to servicemen, and loans can’t be for more than $2,000 or for more than 91 days. Unfortunately for the fiscal health of our servicepeople, those lenders are making good use of loopholes in that law: loopholes that some in Congress are trying to close. In a 2013 study of payday lenders. the Consumer Financial Protection Bureau found that loans cost $10 to $20 per $100 borrowed. A $15 fee on a $100 loan equates to an APR of 391 percent on a 14-day loan.

    n a study of payday lenders, the CFPB found that the loans cost $10 to $20 per $100 borrowed. For example, a $15 fee on a $100 loan equates to an APR of 391% on a 14-day loan. – See more at: http://www.thecreditsolutionprogram.com/military-families-get-protection-from-payday-lenders/#sthash.6PGNU2xA.dpuf

    Under the ARK program, borrowers must talk to a credit counselor if they return for a loan within two weeks. The counseling lasts 30 minutes to an hour, and covers topics such as how to create a budget, Whitfield says. For many young servicepeople (and civilians), good money management is, unfortunately, a something they were never taught.

    Pawn Shops and Credit Cards

    Knoll says budgeting was part of his plan when he was young, but it was difficult to do with his low salary and spending choices. After paying $1,000 or so in payday loan interest over a period of two years, he cut his spending and got out of debt. It was as simple as not going anywhere — even to a bar or restaurant — when he didn’t have any more money until the next payday.

    Payday loans aren’t the only alternative method military members use to get by between paychecks, though 18 percent of them do. Whitfield says 35 percent of military members use pawn shops, auto title loans and other ways (including payday loans) to get short-term cash.

    Credit cards are another way to get into debt trouble. About one in three members of the general population carry some credit card debt from month to month, compared to 58 percent of servicemembers, according to an April 2014 survey by the National Foundation for Credit Counseling. They’re also twice as likely as the general population to use cash advances from credit cards, the foundation found.

    They use such alternative, non-traditional loans because they think they lack other options, according to 60 percent of servicemembers in the survey who took a loan in the last year. And as anyone who has ever had a low income knows, when the landlord is knocking on your door asking for the rent check, you use the options you have.

    That’s why the military is now making a more intensive effort to remind servicepeople about options like the Asset Recovery Kit and the PenFed Foundation. No matter who you work for, the easiest way out of high-interest debt troubles is to avoid falling into them in the first place.

    A former newspaper journalist, Aaron Crowe is a freelance writer who specializes in personal finance, real estate and insurance for various websites, including Wisebread, insurance websites, MortgageLoan.com and AOL.



    Learn about Car Loans & Auto Financing with Nationwide #startup #business #loans


    #used car loan
    #

    Banking Resources arrow expand

    Nationwide

    New Auto Loan Used Auto Loan Auto Loan Refinance

    CONTACT US FOR ASSISTANCE

    Call 1-877-422-6569 8 a.m. – 11 p.m. ET Monday – Thursday 8 a.m. – 9 p.m. ET Friday 9 a.m. – 5:30 p.m. ET Saturday

    Simplify Auto Financing with Nationwide Car Loans

    How to get pre-approved for a car loan

    Share Article

    Nationwide 1-877-I Bank NW (1-877-422-6569)

    Nationwide Mutual Insurance Company, Nationwide Mutual Fire Insurance Company, Nationwide Life Insurance Company, Nationwide Life and Annuity Insurance Company and Nationwide Investment Services Corporation are affiliates of Nationwide Bank. The insurance products and services offered through these affiliates of Nationwide Bank are not insured by the FDIC or any federal government agency, nor are they guaranteed by, deposits of or obligations of Nationwide Bank. The products and services offered through Nationwide Investment Services Corporation are subject to investment risk, including possible loss of value.

    Programs (including, without limit, fees, rates and features) are subject to change without notice.

    Nationwide Bank, Member FDIC, is a federally chartered savings bank. Loans, lines of credit and credit cards are not insured by the FDIC. Nationwide Bank is an Equal Housing Lender.



    Student Loan Consolidation: Learn What to Expect – CIBC #payday #loan #no #credit #check


    #school loan consolidation
    #

    Understanding Student Loan Consolidation

    Following graduation from college or university, you may be one of the thousands of students facing loan repayment. Up to 60 percent of the cost of your education may have come from federal student loans administered by the Canada Student Loan Program. If you needed more financial assistance, you may have explored provincial or territorial loans. Finally, you may have accumulated private loans and lines of credit offered by banks to help you meet the costs of your education.

    It’s paramount that you know where your loans came from so that you can be prepared to repay them in a timely fashion. You may receive correspondence from the government regarding student loan consolidation, and it’s also important that you understand that process and what it means to you.

    Which student loans are consolidated?

    The possibility of Student loan consolidation depends on the province or territory in which you live. If you took out both federal and provincial loans, they will automatically consolidate if you live in:

    • New Brunswick
    • Newfoundland and Labrador
    • Ontario
    • Saskatchewan

    These provinces allow you to apply for both loans with one application, and after graduation, they consolidate the student loans via the Integrated Student Loans program. You’ll pay only one loan to satisfy both debts.

    There are some provinces and territories that only offer one type of loan, either federal or provincial/territorial, so you’ll only have one loan to repay anyway. These include:

    • Nunavut
    • The Northwest Territories
    • Quebec
    • Yukon

    In all remaining provinces, you could apply for both federal and provincial loans with one application, but these student loans will not be consolidated upon graduation. That means you’ll have to be sure to repay each loan separately. This is the case if you live in:

    • Alberta
    • British Columbia
    • Manitoba
    • Nova Scotia
    • Prince Edward Island

    When do I start repaying my student consolidation loans?

    You have a grace period following graduation before you have to start repaying your government loans whether they are consolidated or not. This grace period lasts six months. In that timeframe, you’ll receive paperwork regarding your loans so you know how much you owe, how much interest you’re paying and where to send payments. Take note that interest starts accumulating upon graduation.

    Can I consolidate private student loans?

    In a manner of speaking, you can consolidate private student loans held with a bank. For example, if you took out a loan or line of credit from another institution but found that CIBC had a more competitive interest rate, you could apply for the Education Line of Credit to satisfy those debts. To determine whether you’d be eligible for this, you’ll want to speak to a CIBC advisor at 1-866-525-8622 .



    Home Equity Loan in CT: Learn about Home Equity Loans in Connecticut #quick #loans #for #unemployed


    #best home loan rates
    #

    Home Equity Loans in Connecticut

    Learn about home equity loans for CT residents

    Connecticut may be a small state, but it’s sizeable in reputation. It’s the home of Yale, ESPN, and Mystic, a famous town notable for its breathtaking scenery, museums and shops. If you’re lucky enough to live here, you may make your home in a major city like Bridgeport, Hartford or Stamford or perhaps in more rural towns in the northern part of the Constitution State.

    No matter where you live in Connecticut, a home equity loan can help bring your dreams within reach:

    • A Connecticut home improvement loan is perfect for remodeling, renovating or updating your home.
    • Consolidate expensive car payments or student loan debt with a home equity loan for CT residents.
    • With a Connecticut home equity loan, you can use the money for any expenses simply by writing a check.

    A home equity loan in CT could give you the money you need to fix up your historic home in Hartford, buy a new boat for weekends on the Gold Coast of Fairfield or finance your child’s education.

    Apply for a home equity loan in Connecticut

    You can start the home equity loan application process in Connecticut by answering a few questions online, and one of our Home Loan Advisors will contact you by the end of the next business day to discuss rates and complete the next steps in the process. You can also learn more about our home equity loan products.

    Check out our other Connecticut products:



    Cosigner Options: Learn About Cosigner Release with Information from Citizens Bank #instant #online #loans


    #citi student loans
    #

    Cosigner Release

    What does having a cosigner entail?

    A student loan cosigner is simply having another individual agreeing to step in and take responsibility for paying the money back, in the event the primary borrower cannot. Often this person is a parent, legal guardian or family member.

    As a cosigner, they assume equal responsibility for repayment of the loan. There are several advantages of co-signing a student loan. It helps secure lower interest rates for the student, since it’s leveraging the cosigner’s good credit reputation, and that ultimately means less borrowing over the life of the loan. It also allows you, the student, to begin establishing your own credit history. since you’ll get full credit for repaying the loan on time.

    Learn about how to remove a cosigner from a student loan

    For some private student loans, cosigners can be released from their responsibilities on the loan after you’ve made your monthly payments on time for a specified amount of time. The release is possible because you, the student, have proven that you can repay your student loan, and are not likely to default on your loan, and have also qualified as a creditworthy borrower. By releasing your cosigner they will no longer be responsible for your student loan debt, but instead you will be the only person responsible for repayment of the loan.

    With Citizens Bank’s Student Loan . cosigners have the option of being released from their responsibilities after a period of 36 months of consecutive on-time payments, subject to certain terms and conditions 1. Private student loan lenders offer different cosigner release options, so contact your lender for additional details.

    Find more about our flexible financing options

    If you’re interested in additional information about private student loans or finding a trusted student loan lender. we have the information you need. Or, learn more about our Citizens Bank Student Loan and convenient student banking accounts that fit the needs of students like you. If you still have questions, call a student loan specialist at 1-800-708-6684, and we’ll help walk you through the process.

    Additional student loan and college planning resources



    Student Loan Guide: Learn About School Loan Options in Canada #guaranteed #loans


    #loans canada
    #

    A Guide to Student Loans

    The average cost of post-secondary education in Canada can top $80,000, making financing a reality for most students. If you re unsure of where to start, use this guide to student loans and learn how to apply for federal, provincial and private loans.

    Government school loan programs

    The federal government has two programs which can help you fund your education. You can apply for school loans from the Canada Student Loan Program (CSLP) or grants from the Canada Student Grants Program (CSGP). Visit www.canlearn.ca to learn more and see how you can apply.

    Canada Student Loan Program. Whether you re a full- or part-time student, you can apply for a loan through this program. If your application meets the established requirements for financial need, you could be eligible to receive up to 60 percent of the cost of your tuition in federal loans. There is also a maximum amount you can receive, and that is subject to change, so consult the latest literature to review this cap. When you graduate, you will owe the loan amount plus interest back to the government.

    Canada Student Grants Program. This program combines all of the previously available federal grants into one plan. Again, you have to apply for a grant and demonstrate financial need. If your application is accepted, you could be eligible for grant money, which you do not have to repay upon graduation. There are also grants for individuals who fall into certain categories, such as those who are disabled or are supporting children while attending school.

    Provincial and territorial school loans

    When you max out your federal benefits or if you are denied federal financial assistance, you may be able to find support from the province or territory that you reside.

    Alberta. The Alberta Learning Information Service offers scholarships, bursaries and school loans plus financial planning resources.

    British Columbia. StudentAidBC provides loans, scholarships, grants and more. They also have special information for applicants who have dependents, disabilities, use income assistance or have other unique situations.

    Manitoba. You can apply for tuition loans and grants through Manitoba Student Aid. If you re a medical student, review the special section on medical grants.

    New Brunswick. Apply for full-time or part-time student assistance through New Brunswick s Student Financial Services. You ll find all the information and forms you need for provincial aid.

    Newfoundland and Labrador. Learn about your financial assistance options with Newfoundland and Labrador Student Aid. Start your full-time or part-time loan application, or read more about grants and other aid options.

    Northwest Territories. Find student handbooks, policies, procedures and applications for aid from NWT Student Financial Assistance .

    Nova Scotia. Visit the Nova Scotia Student Assistance department to view your student aid options. You can apply for student loans and find approved institutions.

    Ontario. The Ontario Student Assistance Program seeks to provide financial support to its residents through student loans, grants, scholarships and bursaries. You may be eligible for aid whether you are a full-time or part-time student.

    Prince Edward Island. Apply for provincial loans through PEI Student Financial Services. They offer both full- and part-time funding.

    Quebec. Take advantage of loans and bursaries for both full- and part-time students from the Aide financiere aux etudes .

    Saskatchewan. View your student loan options through the Saskatchewan Student Financial Assistance program. Learn more about student assistance with the Student Loan Handbook, and then apply for loans.

    Yukon Territory. See if you re eligible for aid from Yukon Student Financial Assistance. Learn about grants, loans, scholarships, awards and other funds you can take advantage of to help pay for your education.

    Private student loans

    If you’ve maxed-out government aid options, look into school loans and lines of credit from CIBC. For example, with an Education Line of Credit. you can get the money you need to pay for books, housing, tuition, transportation and more.

    If you re a student working toward a professional degree in medicine, accounting, dentistry, law, business, pharmacy or other programs, you can take out larger tuition loans and lines of credit to accommodate the increased costs of these schools. CIBC offers the Professional Edge Student Program. which is a line of credit that comes with repayment options to fit your budget.

    You can also use the equity in your home or your parents home to get a lower interest rate on a Home Power Plan that can be used to fund your education.

    You can apply online or get your questions answered by talking to a CIBC advisor at 1-866-525-8622 .



    Learn About Private Loans #easy #loans #no #credit #check


    #private loan
    #

    Explore Credit Cards Solutions

    Solutions

    • Citizens Bank Cash Back Plus

    World MasterCard

  • Citizens Bank Clear Value

    Applying Online is Easy

    Learn About Private Loans

    Private loans help fill the financial gap after you’ve exhausted all of your other financial resources, including grants, scholarships and federal loans.

    Overview

    Unexpected expenses, like books, computers, extra tuition, and travel, can come up during any semester. Private student loans, like our Citizens Bank Student Loan,sup> can give you the versatility to pay for all your education-related expenses and the flexibility to apply when you need the funding most.

    Citizens Bank is a school-certified private loan option for undergraduate students attending eligible institutions at least half-time. Some of the benefits include:

    • No application, origination or disbursement fees
    • Easy, online application process
    • Ability to be used with Stafford Loans
    • Funds sent directly to the school
    • Three repayment options
    • An interest rate reduction when you sign up for an automatic payment deduction from any eligible Citizens Bank account
    • Possible lower interest rates when you apply with a qualified cosigner

    FAQs About Private Loans

    How much can I borrow with a Citizens Bank Student Loan ?

    There are no annual limits. You may borrow up to the cost of your education, less any financial aid. The Citizens Bank Student Loan does have lifetime aggregate limits (including both federal and private loan debt) of:

    • Undergraduate: $120,000
    • Graduate: $150,000
    • Business and Law: $175,000
    • Medical: $225,000

    Can a Citizens Bank Student Loan help pay for my books and personal expenses while I’m at school?



  • What is the FAFSA? Learn about the Free Application for Federal Student Aid #unsecured #debt


    #fafsa loans
    #

    What is the FAFSA?

    By Allen Grove. College Admissions Expert

    Allen Grove is the former director of a program for new college students, a professor of English, and a freelance writer who focuses on college admissions, student success, and the transition from high school to college. Read more

    Question: What is the FAFSA?

    If you want financial aid, you ll need to fill out the FAFSA. This FAQ will help explain what the FAFSA is all about.

    Continue Reading Below

    All federal grant and loan awards are determined by the FAFSA, and nearly all colleges use the FAFSA as the basis for their own financial aid awards.

    The FAFSA is managed by the Office of Federal Student Aid, part of the Department of Higher Education. The Office of Federal Student Aid processes roughly 14 million financial aid applications a year and disburses about $80 billion in financial aid.

    The FAFSA application should take about one hour to fill out, but this is only if you have all the necessary documents at hand before you begin.

    Some applicants get frustrated with the application process because they do not have ready access to all necessary tax forms and bank statements, so be sure to plan ahead before you sit down to complete your FAFSA.

    The FAFSA requires information in five categories:

    • Information about the student
    • Information about the student’s dependency status
    • Information about the student’s parents
    • Information about the student’s finances
    • A list of the schools that should receive the results of the FAFSA

    Students can fill out the FAFSA online at the FAFSA website. or they can apply through the mail with a paper form.

    Continue Reading Below

    Again, any financial aid award begins with the FAFSA, so be sure to complete the form before the deadlines for the schools to which you’ve applied. Realize that most state deadlines are much earlier than the June 30th federal deadline. Read more about the timing of your FAFSA application here: When Should You Submit the FAFSA?



    Home Equity Loans – Learn, compare offers for Home Equity Loans #advance #loans


    #home equity loan
    #

    Home Equity Loans

    Many parents of college students are utilizing home equity loans as part of their financial aid packages. It is important to review multiple lenders before applying. Consider all of your options. A one stop shop just might just be your local Credit Union. Close your new loan on time with fewer worries when you “think local,” so consider borrowing from your local bank or credit union in our Credit Unions Database .

    Life and Money

    All these years you may have successfully maintained sufficient finances for the house you own, the bills and your daily expenses, but as you look ahead, it may not seem to be enough. The economy is bad. The kids are coming and, sooner than you think, college tuition expenses could leave you feeling overwhelmed. You can start searching for available financing that can ease the burden. You may not know it now, but your house may be able to help you with college expenses. Insight and solutions to your upcoming finance issue could be dealt with simply by visiting this site, Home Equity Loans.

    Spending for Financial Assistance

    While you spend money, you open up opportunities to gain money. This is the essence of Home Equity Loans, to allow you to get money for your finances through your mortgage payments. Your home is yours as long as you pay its mortgage. It is your investment, your asset. It is an asset that you can use to extract money. Your home’s value increases as the mortgage period progresses. As you regularly pay your mortgage, you are able to pay off the actual property value of your house. NOTE: Research Property Values . The remaining payments on your mortgage are likely to be the interest that accrued on the home loan which you will pay regularly scheduled payments. This is your home equity. This can allow you to take out a loan or line of credit on the money you will spend for your mortgage in the future. While you’re spending to keep your house, Home Equity Loans will give you the financial assistance to help you maintain your house’s health, your body’s health or possibly your child’s college tuition.

    Learning More about a home equity loan

    Here at Home Equity Loans, you can learn more about the different types of Home Equity Loans, what you can get out of them and how you can get them. Our Home Equity Loan Calculator can help you to map out the finances that you can get out of your home. You’ll find information on what to watch out for and things to prepare for in the loan application. Find out what qualifications are required for an application before heading out to a lender. read Kathy Sweedler’s Article to see if an equity loan is right for you.

    Blogging on Home Equity Loans



    Student Loan Guide: Learn About School Loan Options in Canada #consumer #loans


    #loans canada
    #

    A Guide to Student Loans

    The average cost of post-secondary education in Canada can top $80,000, making financing a reality for most students. If you re unsure of where to start, use this guide to student loans and learn how to apply for federal, provincial and private loans.

    Government school loan programs

    The federal government has two programs which can help you fund your education. You can apply for school loans from the Canada Student Loan Program (CSLP) or grants from the Canada Student Grants Program (CSGP). Visit www.canlearn.ca to learn more and see how you can apply.

    Canada Student Loan Program. Whether you re a full- or part-time student, you can apply for a loan through this program. If your application meets the established requirements for financial need, you could be eligible to receive up to 60 percent of the cost of your tuition in federal loans. There is also a maximum amount you can receive, and that is subject to change, so consult the latest literature to review this cap. When you graduate, you will owe the loan amount plus interest back to the government.

    Canada Student Grants Program. This program combines all of the previously available federal grants into one plan. Again, you have to apply for a grant and demonstrate financial need. If your application is accepted, you could be eligible for grant money, which you do not have to repay upon graduation. There are also grants for individuals who fall into certain categories, such as those who are disabled or are supporting children while attending school.

    Provincial and territorial school loans

    When you max out your federal benefits or if you are denied federal financial assistance, you may be able to find support from the province or territory that you reside.

    Alberta. The Alberta Learning Information Service offers scholarships, bursaries and school loans plus financial planning resources.

    British Columbia. StudentAidBC provides loans, scholarships, grants and more. They also have special information for applicants who have dependents, disabilities, use income assistance or have other unique situations.

    Manitoba. You can apply for tuition loans and grants through Manitoba Student Aid. If you re a medical student, review the special section on medical grants.

    New Brunswick. Apply for full-time or part-time student assistance through New Brunswick s Student Financial Services. You ll find all the information and forms you need for provincial aid.

    Newfoundland and Labrador. Learn about your financial assistance options with Newfoundland and Labrador Student Aid. Start your full-time or part-time loan application, or read more about grants and other aid options.

    Northwest Territories. Find student handbooks, policies, procedures and applications for aid from NWT Student Financial Assistance .

    Nova Scotia. Visit the Nova Scotia Student Assistance department to view your student aid options. You can apply for student loans and find approved institutions.

    Ontario. The Ontario Student Assistance Program seeks to provide financial support to its residents through student loans, grants, scholarships and bursaries. You may be eligible for aid whether you are a full-time or part-time student.

    Prince Edward Island. Apply for provincial loans through PEI Student Financial Services. They offer both full- and part-time funding.

    Quebec. Take advantage of loans and bursaries for both full- and part-time students from the Aide financiere aux etudes .

    Saskatchewan. View your student loan options through the Saskatchewan Student Financial Assistance program. Learn more about student assistance with the Student Loan Handbook, and then apply for loans.

    Yukon Territory. See if you re eligible for aid from Yukon Student Financial Assistance. Learn about grants, loans, scholarships, awards and other funds you can take advantage of to help pay for your education.

    Private student loans

    If you’ve maxed-out government aid options, look into school loans and lines of credit from CIBC. For example, with an Education Line of Credit. you can get the money you need to pay for books, housing, tuition, transportation and more.

    If you re a student working toward a professional degree in medicine, accounting, dentistry, law, business, pharmacy or other programs, you can take out larger tuition loans and lines of credit to accommodate the increased costs of these schools. CIBC offers the Professional Edge Student Program. which is a line of credit that comes with repayment options to fit your budget.

    You can also use the equity in your home or your parents home to get a lower interest rate on a Home Power Plan that can be used to fund your education.

    You can apply online or get your questions answered by talking to a CIBC advisor at 1-866-525-8622 .



    Learn How to Consolidate and Reduce Debt Faster – Wells Fargo #bad #credit #payday #loans


    #consolidate debt
    #

    Debt Pay Down Solution

    Wells Fargo’s Debt Pay Down Solution ® offers a simple way to help you pay down high-interest debt — faster than you thought you could.

    Step 2. Increase “What’s Left”

    Step 3. Pay Off Debt Faster

    Juggling multiple high-interest rate debts can be costly and stressful. Consolidating those debts with a Wells Fargo Personal Loan offers a fixed plan to help you pay down your debt with: 

    • A competitive fixed interest rate
    • One fixed, monthly payment
    • Fast credit decisions
    • No collateral required

    At the end of the loan term, if you’ve made your payments and not taken on any new debt, you will be debt-free.

    How soon could I be debt-free?

    Let’s look at an example. If you have $10,000 in high-interest debt and you consolidate it with a Wells Fargo Personal Loan at 13% Annual Percentage Rate (APR), you could be debt-free in five years by paying just $228 a month.

    Your deposits minus your spending = “what’s left”

    Keeping track of where your money is and what you’re spending it on is the first step in taking control of your finances. My Spending Report, a free online budgeting tool available only to Wells Fargo customers, can help you do just that. It displays your deposits and your spending by category to help you understand where your money goes every month and automatically calculates what’s left (your deposits minus spending).

    1. My Spending Report automatically tracks your deposits and categorizes your spending when you use these Wells Fargo accounts and services: Direct Deposits, Checking Accounts, Debit Cards, Credit Cards, Online Banking, and Online Bill Pay.
    2. Use that information to spend smarter and increase what’s left at the end of each month. 
    3. Use a portion of what’s left to make extra payments toward your loan principal and become debt-free faster.

    To see your Spending Report and create your own budget, just sign on to Wells Fargo Online® and select the “My Spending Report” tab.

    A little can go a long way

    Increasing what’s left by even a small amount can make a big difference in paying down your debt faster. Did you know that with just $41 more of what’s left each month, you could pay off a $10,000 loan a whole year sooner?

    Use a portion of what’s left at the end of each month to increase your principal payments and become debt-free faster.

    Get out of debt one year faster

    If you consolidated $10,000 in debt with a 13% APR, you could pay it off in five years with just $228 a month. But if you increase those payments by just $41 more a month, you could pay it off in just four years — and be debt-free a whole year sooner.

    Use automatic payments to accelerate your payoff



    Home Equity Loan in CT: Learn about Home Equity Loans in Connecticut #loan #payment #calculator


    #best home loan rates
    #

    Home Equity Loans in Connecticut

    Learn about home equity loans for CT residents

    Connecticut may be a small state, but it’s sizeable in reputation. It’s the home of Yale, ESPN, and Mystic, a famous town notable for its breathtaking scenery, museums and shops. If you’re lucky enough to live here, you may make your home in a major city like Bridgeport, Hartford or Stamford or perhaps in more rural towns in the northern part of the Constitution State.

    No matter where you live in Connecticut, a home equity loan can help bring your dreams within reach:

    • A Connecticut home improvement loan is perfect for remodeling, renovating or updating your home.
    • Consolidate expensive car payments or student loan debt with a home equity loan for CT residents.
    • With a Connecticut home equity loan, you can use the money for any expenses simply by writing a check.

    A home equity loan in CT could give you the money you need to fix up your historic home in Hartford, buy a new boat for weekends on the Gold Coast of Fairfield or finance your child’s education.

    Apply for a home equity loan in Connecticut

    You can start the home equity loan application process in Connecticut by answering a few questions online, and one of our Home Loan Advisors will contact you by the end of the next business day to discuss rates and complete the next steps in the process. You can also learn more about our home equity loan products.

    Check out our other Connecticut products:



    Auto Loan Calculator – Learn at Equifax #online #loans


    #auto loan calc
    #

    Definitions

    Monthly payment Monthly payment for your auto financing.

    Total purchase price (before tax) This is the total cost of your auto purchase. Include the cost of the vehicle, any additional options and any destination charges. Don’t include sales tax in this amount. Sales tax will be calculated for you and included in your total after tax price.

    Term in months Number of months for this loan.

    Interest rate Annual interest rate for this loan.

    Cash down Total amount of cash used in this purchase. The larger your cash down payment the smaller the loan you will need to finance this purchase.

    Trade allowance The total amount that you are given for any automobile that you trade-in as part of this purchase. In some states a trade-in can also reduce the amount of sales tax you will owe. See the definition for “Sales tax deduction for trade-in” for more information on trade-in vehicles and sales tax.

    Amount owed on trade Total loan balance still outstanding on the trade-in.

    Non-taxable fees (optional) Any additional fee that is not subject to sales tax. This usually includes document fees or any other fees that may be due at delivery and are not taxable.

    Taxable fees (optional) Any additional fee that is subject to sales tax. This usually includes title transfer fees or any other fees that may be due at delivery and are taxable.

    Sales tax rate Sales tax percentage rate charged on this purchase.

    No sales tax deduction for trade-in If you live in a state where your sales tax is calculated on your full purchase price, check this box. If this box is unchecked, sales tax is calculated on the purchase price less trade in. Currently California, the District of Columbia, Hawaii, Maryland, and Michigan allow no deductions for trade-ins when calculating sales tax. In addition, Alaska, Delaware, Montana, New Hampshire, and Oregon have no sales tax on autos.



    Cosigner Options: Learn About Cosigner Release with Information from Citizens Bank #home #loan #interest #calculator


    #citi student loans
    #

    Cosigner Release

    What does having a cosigner entail?

    A student loan cosigner is simply having another individual agreeing to step in and take responsibility for paying the money back, in the event the primary borrower cannot. Often this person is a parent, legal guardian or family member.

    As a cosigner, they assume equal responsibility for repayment of the loan. There are several advantages of co-signing a student loan. It helps secure lower interest rates for the student, since it’s leveraging the cosigner’s good credit reputation, and that ultimately means less borrowing over the life of the loan. It also allows you, the student, to begin establishing your own credit history. since you’ll get full credit for repaying the loan on time.

    Learn about how to remove a cosigner from a student loan

    For some private student loans, cosigners can be released from their responsibilities on the loan after you’ve made your monthly payments on time for a specified amount of time. The release is possible because you, the student, have proven that you can repay your student loan, and are not likely to default on your loan, and have also qualified as a creditworthy borrower. By releasing your cosigner they will no longer be responsible for your student loan debt, but instead you will be the only person responsible for repayment of the loan.

    With Citizens Bank’s Student Loan . cosigners have the option of being released from their responsibilities after a period of 36 months of consecutive on-time payments, subject to certain terms and conditions 1. Private student loan lenders offer different cosigner release options, so contact your lender for additional details.

    Find more about our flexible financing options

    If you’re interested in additional information about private student loans or finding a trusted student loan lender. we have the information you need. Or, learn more about our Citizens Bank Student Loan and convenient student banking accounts that fit the needs of students like you. If you still have questions, call a student loan specialist at 1-800-708-6684, and we’ll help walk you through the process.

    Additional student loan and college planning resources



    What We All Can Learn from the Military s Payday Loan Problem #how #to #get #a #car #loan


    #military payday loans
    #

    About

    Getty Images As a 19-year-old, Robert Knoll made a mistake that many young people do — he got into debt. Knoll did it by living beyond his meager salary as a U.S. Marine, and using small payday loans to help him get by between paychecks. “The problem, though, is it puts you behind the next payday,” Knoll says.

    Those $80 to $200 payday loans added up, along with the $50 in interest he’d pay to borrow $200 for five days. With an annual percentage rate on the loan of more than 200 percent, Knoll would post-date a check for $250 for a $200 loan that would be paid off five days later when his paycheck was deposited into his checking account.

    “You can spend your entire paycheck before you get it,” says Knoll, now an account executive at DRIVEN Public Relations in Temecula, California. He retired as a Marine master sergeant in 2013.

    Help From the ARK

    Unlike servicemembers today, Knoll didn’t have help from the military on payday loans back then. One program that officials are trying to remind military members and their families about is the Asset Recovery Kit .

    For a $5 fee, members of 17 credit unions supported by the Pentagon Federal Credit Union Foundation can borrow up to $500 interest-free for 30 days. The program has loaned more than $3.8 million in 8,724 loans since it started in 2004, says Jane Whitfield, president and CEO of the PenFed Foundation. “We want to help in preventing short-term emergencies becoming long-term problems,” she says.

    Another program meant to help military members avoid getting stung by payday loans is the 2006 Military Lending Act. The law forbids payday lenders from charging more than 36 percent annual interest rates on loans to servicemen, and loans can’t be for more than $2,000 or for more than 91 days. Unfortunately for the fiscal health of our servicepeople, those lenders are making good use of loopholes in that law: loopholes that some in Congress are trying to close. In a 2013 study of payday lenders. the Consumer Financial Protection Bureau found that loans cost $10 to $20 per $100 borrowed. A $15 fee on a $100 loan equates to an APR of 391 percent on a 14-day loan.

    n a study of payday lenders, the CFPB found that the loans cost $10 to $20 per $100 borrowed. For example, a $15 fee on a $100 loan equates to an APR of 391% on a 14-day loan. – See more at: http://www.thecreditsolutionprogram.com/military-families-get-protection-from-payday-lenders/#sthash.6PGNU2xA.dpuf

    Under the ARK program, borrowers must talk to a credit counselor if they return for a loan within two weeks. The counseling lasts 30 minutes to an hour, and covers topics such as how to create a budget, Whitfield says. For many young servicepeople (and civilians), good money management is, unfortunately, a something they were never taught.

    Pawn Shops and Credit Cards

    Knoll says budgeting was part of his plan when he was young, but it was difficult to do with his low salary and spending choices. After paying $1,000 or so in payday loan interest over a period of two years, he cut his spending and got out of debt. It was as simple as not going anywhere — even to a bar or restaurant — when he didn’t have any more money until the next payday.

    Payday loans aren’t the only alternative method military members use to get by between paychecks, though 18 percent of them do. Whitfield says 35 percent of military members use pawn shops, auto title loans and other ways (including payday loans) to get short-term cash.

    Credit cards are another way to get into debt trouble. About one in three members of the general population carry some credit card debt from month to month, compared to 58 percent of servicemembers, according to an April 2014 survey by the National Foundation for Credit Counseling. They’re also twice as likely as the general population to use cash advances from credit cards, the foundation found.

    They use such alternative, non-traditional loans because they think they lack other options, according to 60 percent of servicemembers in the survey who took a loan in the last year. And as anyone who has ever had a low income knows, when the landlord is knocking on your door asking for the rent check, you use the options you have.

    That’s why the military is now making a more intensive effort to remind servicepeople about options like the Asset Recovery Kit and the PenFed Foundation. No matter who you work for, the easiest way out of high-interest debt troubles is to avoid falling into them in the first place.

    A former newspaper journalist, Aaron Crowe is a freelance writer who specializes in personal finance, real estate and insurance for various websites, including Wisebread, insurance websites, MortgageLoan.com and AOL.



    Student Loan Guide: Learn About School Loan Options in Canada #parent #student #loans


    #loans canada
    #

    A Guide to Student Loans

    The average cost of post-secondary education in Canada can top $80,000, making financing a reality for most students. If you re unsure of where to start, use this guide to student loans and learn how to apply for federal, provincial and private loans.

    Government school loan programs

    The federal government has two programs which can help you fund your education. You can apply for school loans from the Canada Student Loan Program (CSLP) or grants from the Canada Student Grants Program (CSGP). Visit www.canlearn.ca to learn more and see how you can apply.

    Canada Student Loan Program. Whether you re a full- or part-time student, you can apply for a loan through this program. If your application meets the established requirements for financial need, you could be eligible to receive up to 60 percent of the cost of your tuition in federal loans. There is also a maximum amount you can receive, and that is subject to change, so consult the latest literature to review this cap. When you graduate, you will owe the loan amount plus interest back to the government.

    Canada Student Grants Program. This program combines all of the previously available federal grants into one plan. Again, you have to apply for a grant and demonstrate financial need. If your application is accepted, you could be eligible for grant money, which you do not have to repay upon graduation. There are also grants for individuals who fall into certain categories, such as those who are disabled or are supporting children while attending school.

    Provincial and territorial school loans

    When you max out your federal benefits or if you are denied federal financial assistance, you may be able to find support from the province or territory that you reside.

    Alberta. The Alberta Learning Information Service offers scholarships, bursaries and school loans plus financial planning resources.

    British Columbia. StudentAidBC provides loans, scholarships, grants and more. They also have special information for applicants who have dependents, disabilities, use income assistance or have other unique situations.

    Manitoba. You can apply for tuition loans and grants through Manitoba Student Aid. If you re a medical student, review the special section on medical grants.

    New Brunswick. Apply for full-time or part-time student assistance through New Brunswick s Student Financial Services. You ll find all the information and forms you need for provincial aid.

    Newfoundland and Labrador. Learn about your financial assistance options with Newfoundland and Labrador Student Aid. Start your full-time or part-time loan application, or read more about grants and other aid options.

    Northwest Territories. Find student handbooks, policies, procedures and applications for aid from NWT Student Financial Assistance .

    Nova Scotia. Visit the Nova Scotia Student Assistance department to view your student aid options. You can apply for student loans and find approved institutions.

    Ontario. The Ontario Student Assistance Program seeks to provide financial support to its residents through student loans, grants, scholarships and bursaries. You may be eligible for aid whether you are a full-time or part-time student.

    Prince Edward Island. Apply for provincial loans through PEI Student Financial Services. They offer both full- and part-time funding.

    Quebec. Take advantage of loans and bursaries for both full- and part-time students from the Aide financiere aux etudes .

    Saskatchewan. View your student loan options through the Saskatchewan Student Financial Assistance program. Learn more about student assistance with the Student Loan Handbook, and then apply for loans.

    Yukon Territory. See if you re eligible for aid from Yukon Student Financial Assistance. Learn about grants, loans, scholarships, awards and other funds you can take advantage of to help pay for your education.

    Private student loans

    If you’ve maxed-out government aid options, look into school loans and lines of credit from CIBC. For example, with an Education Line of Credit. you can get the money you need to pay for books, housing, tuition, transportation and more.

    If you re a student working toward a professional degree in medicine, accounting, dentistry, law, business, pharmacy or other programs, you can take out larger tuition loans and lines of credit to accommodate the increased costs of these schools. CIBC offers the Professional Edge Student Program. which is a line of credit that comes with repayment options to fit your budget.

    You can also use the equity in your home or your parents home to get a lower interest rate on a Home Power Plan that can be used to fund your education.

    You can apply online or get your questions answered by talking to a CIBC advisor at 1-866-525-8622 .



    SNC Loans Short Term Loan- Learn More About Our Short Term Loans #motorcycle #loan


    #short term loans
    #

    Short Term Loan

    Looking for an apartment mortgage short term loan that will work for you? Security National Commercial Capital (SNC) provides apartment mortgage short term loans in a quick and timely manner. Two of the most popular SNC apartment loans are listed below in conjunction with their current loan rates:

    SNC also provides bridge apartment mortgage short term loans in order to benefit those borrowers who wish to finance for a short period of time and then refinance with SNC, or an unaffiliated lender, for the long-term. Potential borrowers may also find bridge loans convenient because they allow borrowers to avoid long waiting periods for property closure.

    Apartment Loans $500K-$3 Million

    These apartment mortgage short term loans are designed for small apartment owners and for apartments that are in good condition, and which consist of more than five units. This loan, like all SNC loans, is designed to maximize borrower cash flow and to meet investment property expectations. (See rates ).

    Apartment Loans Over $3 Million

    These short term loans are designed primarily for multifamily projects. which SNC considers their financing specialty. SNC offers the best rates and the best terms for all multifamily projects. SNC also specializes in short term loans for student housing, apartment financing, assisted living and senior living facilities loans. (See rates ).



    Learn How to Consolidate and Reduce Debt Faster – Wells Fargo #apply #for #student #loans


    #consolidate debt
    #

    Debt Pay Down Solution

    Wells Fargo’s Debt Pay Down Solution ® offers a simple way to help you pay down high-interest debt — faster than you thought you could.

    Step 2. Increase “What’s Left”

    Step 3. Pay Off Debt Faster

    Juggling multiple high-interest rate debts can be costly and stressful. Consolidating those debts with a Wells Fargo Personal Loan offers a fixed plan to help you pay down your debt with: 

    • A competitive fixed interest rate
    • One fixed, monthly payment
    • Fast credit decisions
    • No collateral required

    At the end of the loan term, if you’ve made your payments and not taken on any new debt, you will be debt-free.

    How soon could I be debt-free?

    Let’s look at an example. If you have $10,000 in high-interest debt and you consolidate it with a Wells Fargo Personal Loan at 13% Annual Percentage Rate (APR), you could be debt-free in five years by paying just $228 a month.

    Your deposits minus your spending = “what’s left”

    Keeping track of where your money is and what you’re spending it on is the first step in taking control of your finances. My Spending Report, a free online budgeting tool available only to Wells Fargo customers, can help you do just that. It displays your deposits and your spending by category to help you understand where your money goes every month and automatically calculates what’s left (your deposits minus spending).

    1. My Spending Report automatically tracks your deposits and categorizes your spending when you use these Wells Fargo accounts and services: Direct Deposits, Checking Accounts, Debit Cards, Credit Cards, Online Banking, and Online Bill Pay.
    2. Use that information to spend smarter and increase what’s left at the end of each month. 
    3. Use a portion of what’s left to make extra payments toward your loan principal and become debt-free faster.

    To see your Spending Report and create your own budget, just sign on to Wells Fargo Online® and select the “My Spending Report” tab.

    A little can go a long way

    Increasing what’s left by even a small amount can make a big difference in paying down your debt faster. Did you know that with just $41 more of what’s left each month, you could pay off a $10,000 loan a whole year sooner?

    Use a portion of what’s left at the end of each month to increase your principal payments and become debt-free faster.

    Get out of debt one year faster

    If you consolidated $10,000 in debt with a 13% APR, you could pay it off in five years with just $228 a month. But if you increase those payments by just $41 more a month, you could pay it off in just four years — and be debt-free a whole year sooner.

    Use automatic payments to accelerate your payoff



    Jumbo Mortgage Rates: Learn About Jumbo Mortgages and Rates #guarantor #loans


    #jumbo loan rates
    #

    Jumbo Mortgage Rates and Loans

    Learn how jumbo mortgages work and if you may be eligible to apply for one

    Jumbo mortgages are, in short, just very large home loans. Jumbo mortgages may be offered when the requested loan amount is larger than the limits set annually by the two major institutions in the secondary mortgage market. Fannie Mae and Freddie Mac.

    Sometimes also called “non-conforming” loans, jumbo mortgage loans may carry a slightly different set of rules and rates than traditional, or “conforming”, mortgages.

    Jumbo mortgage rates, borrowing terms and requirements

    Many institutions offer jumbo mortgage loans with either fixed or adjustable rates and the same pay-off terms as conforming loans. However, there are some differences to be aware of, including the fact that jumbo mortgage rates may be higher than the rates on “conforming” loans.

    Jumbo mortgages will generally require a higher down payment, which could be 20 percent or higher, depending on the details of the loan and property. Most lenders will also require that jumbo loan borrowers have a higher credit score with a more conservative debt-to-income ratio. Those who want to refinance jumbo loans will also typically be required to meet these same requirements.

    Jumbo mortgages across the United States

    In more than 70 high-cost markets in the continental United States, higher “conforming” loan limits are available. Borrowers in these markets may be able to qualify for a traditional mortgage loan even though their loan amount might be considered a jumbo mortgage loan in other markets. To see if your region falls in one of those higher-cost areas, consult the Federal Housing Finance Agency website.

    Apply for a jumbo mortgage loan with Citizens Bank

    Citizens Bank has fixed and variable jumbo mortgage rates available. We also offer interest only payments for those who qualify. Learn more about Citizens Bank mortgage rates or start the application process for a jumbo mortgage online today. For additional information, contact a home loan advisor at 1-888-514-2300.



    Cosigner Options: Learn About Cosigner Release with Information from Citizens Bank #cash #loans #no #credit #check


    #citi student loans
    #

    Cosigner Release

    What does having a cosigner entail?

    A student loan cosigner is simply having another individual agreeing to step in and take responsibility for paying the money back, in the event the primary borrower cannot. Often this person is a parent, legal guardian or family member.

    As a cosigner, they assume equal responsibility for repayment of the loan. There are several advantages of co-signing a student loan. It helps secure lower interest rates for the student, since it’s leveraging the cosigner’s good credit reputation, and that ultimately means less borrowing over the life of the loan. It also allows you, the student, to begin establishing your own credit history. since you’ll get full credit for repaying the loan on time.

    Learn about how to remove a cosigner from a student loan

    For some private student loans, cosigners can be released from their responsibilities on the loan after you’ve made your monthly payments on time for a specified amount of time. The release is possible because you, the student, have proven that you can repay your student loan, and are not likely to default on your loan, and have also qualified as a creditworthy borrower. By releasing your cosigner they will no longer be responsible for your student loan debt, but instead you will be the only person responsible for repayment of the loan.

    With Citizens Bank’s Student Loan . cosigners have the option of being released from their responsibilities after a period of 36 months of consecutive on-time payments, subject to certain terms and conditions 1. Private student loan lenders offer different cosigner release options, so contact your lender for additional details.

    Find more about our flexible financing options

    If you’re interested in additional information about private student loans or finding a trusted student loan lender. we have the information you need. Or, learn more about our Citizens Bank Student Loan and convenient student banking accounts that fit the needs of students like you. If you still have questions, call a student loan specialist at 1-800-708-6684, and we’ll help walk you through the process.

    Additional student loan and college planning resources



    International Student Loan: Learn About International Student Loans from Citizens Bank #no #teletrack #payday #loans


    #international student loans
    #

    International Student Loans

    Learn about international student loans for studying in the U.S.

    For decades, the United States has been a beacon of higher education around the world. With its globally recognized colleges and universities, students from around the world have been coming to America to pursue higher education. But how can they secure an international student loan to finance those educations?

    To receive federal student financial aid, you must be a U.S. citizen or U.S. national (including natives of American Samoa or Swain’s Island) or a U.S. permanent resident who holds a permanent resident card.

    However, study abroad students are eligible for some private, international student loans. At Citizens Bank, our private student loan product, the Citizens Bank Student Loan . allows international students to apply as long as they have a credit-worthy co-signer who is a U.S. citizen or a permanent resident.

    Remember that international studying in the U.S. will require considerable preparation on your part. Among the things you’ll need to arrange for are:

    • Obtaining your student visa. In most countries, that will require an in-person interview. Consulates and embassies are busiest during the summer season, so you’ll want to make these arrangements before then.
    • Testing your English. Most colleges and universities in the U.S. will require overseas, non-native-English-speaking students to prove their command of English through a standardized test.

    Some of these arrangements take longer than they used to in the post-9/11 environment. So don’t wait until the last minute to make your plans.

    Learn more about our affordable Citizens Bank Citizens Bank Student Loan

    Find helpful information about the Citizens Bank Citizens Bank Student Loan . If you still have questions, call a student loan specialist at 1-800-708-6684, and we’ll help walk you through the process.

    Additional student loan and college planning resources



    Reverse Mortgage – Learn About Reverse Mortgages #installment #loans #online


    #loan calculator formula
    #

    Reverse Mortgage

    Calculate Your Eligibility

    Reverse Mortgage Guides is a reverse mortgage education site. It helps explain many of the pros and cons of HECM reverse mortgages for homeowners.

    We publish articles and tools for seniors who are considering a reverse mortgage. Those who want to become fully educated before making a decision. We offer a reverse mortgage calculator and detailed reverse mortgage information.

    What is a HECM reverse mortgage?

    A reverse mortgage is a type of mortgage loan that the FHA (Federal Housing Administration) insures. This loan is available only to homeowners aged 62 or older.

    It is different from all other types of mortgages. A HECM reverse mortgage does not become due for as long as the homeowner lives in the property as their primary residence, continues to pay required property taxes and insurance and maintains the home according to FHA requirements.

    According to a 2013 study by the National Council on Aging, reverse mortgages may help seniors to pay daily living expenses. 1



    What is the FAFSA? Learn about the Free Application for Federal Student Aid #payday #loans #chicago


    #fafsa loans
    #

    What is the FAFSA?

    By Allen Grove. College Admissions Expert

    Allen Grove is the former director of a program for new college students, a professor of English, and a freelance writer who focuses on college admissions, student success, and the transition from high school to college. Read more

    Question: What is the FAFSA?

    If you want financial aid, you ll need to fill out the FAFSA. This FAQ will help explain what the FAFSA is all about.

    Continue Reading Below

    All federal grant and loan awards are determined by the FAFSA, and nearly all colleges use the FAFSA as the basis for their own financial aid awards.

    The FAFSA is managed by the Office of Federal Student Aid, part of the Department of Higher Education. The Office of Federal Student Aid processes roughly 14 million financial aid applications a year and disburses about $80 billion in financial aid.

    The FAFSA application should take about one hour to fill out, but this is only if you have all the necessary documents at hand before you begin.

    Some applicants get frustrated with the application process because they do not have ready access to all necessary tax forms and bank statements, so be sure to plan ahead before you sit down to complete your FAFSA.

    The FAFSA requires information in five categories:

    • Information about the student
    • Information about the student’s dependency status
    • Information about the student’s parents
    • Information about the student’s finances
    • A list of the schools that should receive the results of the FAFSA

    Students can fill out the FAFSA online at the FAFSA website. or they can apply through the mail with a paper form.

    Continue Reading Below

    Again, any financial aid award begins with the FAFSA, so be sure to complete the form before the deadlines for the schools to which you’ve applied. Realize that most state deadlines are much earlier than the June 30th federal deadline. Read more about the timing of your FAFSA application here: When Should You Submit the FAFSA?



    Student Loan Guide: Learn About School Loan Options in Canada #easy #car #loans


    #loans canada
    #

    A Guide to Student Loans

    The average cost of post-secondary education in Canada can top $80,000, making financing a reality for most students. If you re unsure of where to start, use this guide to student loans and learn how to apply for federal, provincial and private loans.

    Government school loan programs

    The federal government has two programs which can help you fund your education. You can apply for school loans from the Canada Student Loan Program (CSLP) or grants from the Canada Student Grants Program (CSGP). Visit www.canlearn.ca to learn more and see how you can apply.

    Canada Student Loan Program. Whether you re a full- or part-time student, you can apply for a loan through this program. If your application meets the established requirements for financial need, you could be eligible to receive up to 60 percent of the cost of your tuition in federal loans. There is also a maximum amount you can receive, and that is subject to change, so consult the latest literature to review this cap. When you graduate, you will owe the loan amount plus interest back to the government.

    Canada Student Grants Program. This program combines all of the previously available federal grants into one plan. Again, you have to apply for a grant and demonstrate financial need. If your application is accepted, you could be eligible for grant money, which you do not have to repay upon graduation. There are also grants for individuals who fall into certain categories, such as those who are disabled or are supporting children while attending school.

    Provincial and territorial school loans

    When you max out your federal benefits or if you are denied federal financial assistance, you may be able to find support from the province or territory that you reside.

    Alberta. The Alberta Learning Information Service offers scholarships, bursaries and school loans plus financial planning resources.

    British Columbia. StudentAidBC provides loans, scholarships, grants and more. They also have special information for applicants who have dependents, disabilities, use income assistance or have other unique situations.

    Manitoba. You can apply for tuition loans and grants through Manitoba Student Aid. If you re a medical student, review the special section on medical grants.

    New Brunswick. Apply for full-time or part-time student assistance through New Brunswick s Student Financial Services. You ll find all the information and forms you need for provincial aid.

    Newfoundland and Labrador. Learn about your financial assistance options with Newfoundland and Labrador Student Aid. Start your full-time or part-time loan application, or read more about grants and other aid options.

    Northwest Territories. Find student handbooks, policies, procedures and applications for aid from NWT Student Financial Assistance .

    Nova Scotia. Visit the Nova Scotia Student Assistance department to view your student aid options. You can apply for student loans and find approved institutions.

    Ontario. The Ontario Student Assistance Program seeks to provide financial support to its residents through student loans, grants, scholarships and bursaries. You may be eligible for aid whether you are a full-time or part-time student.

    Prince Edward Island. Apply for provincial loans through PEI Student Financial Services. They offer both full- and part-time funding.

    Quebec. Take advantage of loans and bursaries for both full- and part-time students from the Aide financiere aux etudes .

    Saskatchewan. View your student loan options through the Saskatchewan Student Financial Assistance program. Learn more about student assistance with the Student Loan Handbook, and then apply for loans.

    Yukon Territory. See if you re eligible for aid from Yukon Student Financial Assistance. Learn about grants, loans, scholarships, awards and other funds you can take advantage of to help pay for your education.

    Private student loans

    If you’ve maxed-out government aid options, look into school loans and lines of credit from CIBC. For example, with an Education Line of Credit. you can get the money you need to pay for books, housing, tuition, transportation and more.

    If you re a student working toward a professional degree in medicine, accounting, dentistry, law, business, pharmacy or other programs, you can take out larger tuition loans and lines of credit to accommodate the increased costs of these schools. CIBC offers the Professional Edge Student Program. which is a line of credit that comes with repayment options to fit your budget.

    You can also use the equity in your home or your parents home to get a lower interest rate on a Home Power Plan that can be used to fund your education.

    You can apply online or get your questions answered by talking to a CIBC advisor at 1-866-525-8622 .



    Learn about Car Loans & Auto Financing with Nationwide #fha #loan #requirements


    #used car loan
    #

    Banking Resources arrow expand

    Nationwide

    New Auto Loan Used Auto Loan Auto Loan Refinance

    CONTACT US FOR ASSISTANCE

    Call 1-877-422-6569 8 a.m. – 11 p.m. ET Monday – Thursday 8 a.m. – 9 p.m. ET Friday 9 a.m. – 5:30 p.m. ET Saturday

    Simplify Auto Financing with Nationwide Car Loans

    How to get pre-approved for a car loan

    Share Article

    Nationwide 1-877-I Bank NW (1-877-422-6569)

    Nationwide Mutual Insurance Company, Nationwide Mutual Fire Insurance Company, Nationwide Life Insurance Company, Nationwide Life and Annuity Insurance Company and Nationwide Investment Services Corporation are affiliates of Nationwide Bank. The insurance products and services offered through these affiliates of Nationwide Bank are not insured by the FDIC or any federal government agency, nor are they guaranteed by, deposits of or obligations of Nationwide Bank. The products and services offered through Nationwide Investment Services Corporation are subject to investment risk, including possible loss of value.

    Programs (including, without limit, fees, rates and features) are subject to change without notice.

    Nationwide Bank, Member FDIC, is a federally chartered savings bank. Loans, lines of credit and credit cards are not insured by the FDIC. Nationwide Bank is an Equal Housing Lender.



    Learn About Private Loans #lenders


    #private loan
    #

    Explore Credit Cards Solutions

    Solutions

    • Citizens Bank Cash Back Plus

    World MasterCard

  • Citizens Bank Clear Value

    Applying Online is Easy

    Learn About Private Loans

    Private loans help fill the financial gap after you’ve exhausted all of your other financial resources, including grants, scholarships and federal loans.

    Overview

    Unexpected expenses, like books, computers, extra tuition, and travel, can come up during any semester. Private student loans, like our Citizens Bank Student Loan,sup> can give you the versatility to pay for all your education-related expenses and the flexibility to apply when you need the funding most.

    Citizens Bank is a school-certified private loan option for undergraduate students attending eligible institutions at least half-time. Some of the benefits include:

    • No application, origination or disbursement fees
    • Easy, online application process
    • Ability to be used with Stafford Loans
    • Funds sent directly to the school
    • Three repayment options
    • An interest rate reduction when you sign up for an automatic payment deduction from any eligible Citizens Bank account
    • Possible lower interest rates when you apply with a qualified cosigner

    FAQs About Private Loans

    How much can I borrow with a Citizens Bank Student Loan ?

    There are no annual limits. You may borrow up to the cost of your education, less any financial aid. The Citizens Bank Student Loan does have lifetime aggregate limits (including both federal and private loan debt) of:

    • Undergraduate: $120,000
    • Graduate: $150,000
    • Business and Law: $175,000
    • Medical: $225,000

    Can a Citizens Bank Student Loan help pay for my books and personal expenses while I’m at school?



  • Learn How to Consolidate and Reduce Debt Faster – Wells Fargo #military #payday #loans


    #consolidate debt
    #

    Debt Pay Down Solution

    Wells Fargo’s Debt Pay Down Solution ® offers a simple way to help you pay down high-interest debt — faster than you thought you could.

    Step 2. Increase “What’s Left”

    Step 3. Pay Off Debt Faster

    Juggling multiple high-interest rate debts can be costly and stressful. Consolidating those debts with a Wells Fargo Personal Loan offers a fixed plan to help you pay down your debt with: 

    • A competitive fixed interest rate
    • One fixed, monthly payment
    • Fast credit decisions
    • No collateral required

    At the end of the loan term, if you’ve made your payments and not taken on any new debt, you will be debt-free.

    How soon could I be debt-free?

    Let’s look at an example. If you have $10,000 in high-interest debt and you consolidate it with a Wells Fargo Personal Loan at 13% Annual Percentage Rate (APR), you could be debt-free in five years by paying just $228 a month.

    Your deposits minus your spending = “what’s left”

    Keeping track of where your money is and what you’re spending it on is the first step in taking control of your finances. My Spending Report, a free online budgeting tool available only to Wells Fargo customers, can help you do just that. It displays your deposits and your spending by category to help you understand where your money goes every month and automatically calculates what’s left (your deposits minus spending).

    1. My Spending Report automatically tracks your deposits and categorizes your spending when you use these Wells Fargo accounts and services: Direct Deposits, Checking Accounts, Debit Cards, Credit Cards, Online Banking, and Online Bill Pay.
    2. Use that information to spend smarter and increase what’s left at the end of each month. 
    3. Use a portion of what’s left to make extra payments toward your loan principal and become debt-free faster.

    To see your Spending Report and create your own budget, just sign on to Wells Fargo Online® and select the “My Spending Report” tab.

    A little can go a long way

    Increasing what’s left by even a small amount can make a big difference in paying down your debt faster. Did you know that with just $41 more of what’s left each month, you could pay off a $10,000 loan a whole year sooner?

    Use a portion of what’s left at the end of each month to increase your principal payments and become debt-free faster.

    Get out of debt one year faster

    If you consolidated $10,000 in debt with a 13% APR, you could pay it off in five years with just $228 a month. But if you increase those payments by just $41 more a month, you could pay it off in just four years — and be debt-free a whole year sooner.

    Use automatic payments to accelerate your payoff



    Jumbo Mortgage Rates: Learn About Jumbo Mortgages and Rates #unsecured #loans #for #bad #credit


    #jumbo loan rates
    #

    Jumbo Mortgage Rates and Loans

    Learn how jumbo mortgages work and if you may be eligible to apply for one

    Jumbo mortgages are, in short, just very large home loans. Jumbo mortgages may be offered when the requested loan amount is larger than the limits set annually by the two major institutions in the secondary mortgage market. Fannie Mae and Freddie Mac.

    Sometimes also called “non-conforming” loans, jumbo mortgage loans may carry a slightly different set of rules and rates than traditional, or “conforming”, mortgages.

    Jumbo mortgage rates, borrowing terms and requirements

    Many institutions offer jumbo mortgage loans with either fixed or adjustable rates and the same pay-off terms as conforming loans. However, there are some differences to be aware of, including the fact that jumbo mortgage rates may be higher than the rates on “conforming” loans.

    Jumbo mortgages will generally require a higher down payment, which could be 20 percent or higher, depending on the details of the loan and property. Most lenders will also require that jumbo loan borrowers have a higher credit score with a more conservative debt-to-income ratio. Those who want to refinance jumbo loans will also typically be required to meet these same requirements.

    Jumbo mortgages across the United States

    In more than 70 high-cost markets in the continental United States, higher “conforming” loan limits are available. Borrowers in these markets may be able to qualify for a traditional mortgage loan even though their loan amount might be considered a jumbo mortgage loan in other markets. To see if your region falls in one of those higher-cost areas, consult the Federal Housing Finance Agency website.

    Apply for a jumbo mortgage loan with Citizens Bank

    Citizens Bank has fixed and variable jumbo mortgage rates available. We also offer interest only payments for those who qualify. Learn more about Citizens Bank mortgage rates or start the application process for a jumbo mortgage online today. For additional information, contact a home loan advisor at 1-888-514-2300.



    Student Loan Consolidation: Learn What to Expect – CIBC #203k #loan


    #school loan consolidation
    #

    Understanding Student Loan Consolidation

    Following graduation from college or university, you may be one of the thousands of students facing loan repayment. Up to 60 percent of the cost of your education may have come from federal student loans administered by the Canada Student Loan Program. If you needed more financial assistance, you may have explored provincial or territorial loans. Finally, you may have accumulated private loans and lines of credit offered by banks to help you meet the costs of your education.

    It’s paramount that you know where your loans came from so that you can be prepared to repay them in a timely fashion. You may receive correspondence from the government regarding student loan consolidation, and it’s also important that you understand that process and what it means to you.

    Which student loans are consolidated?

    The possibility of Student loan consolidation depends on the province or territory in which you live. If you took out both federal and provincial loans, they will automatically consolidate if you live in:

    • New Brunswick
    • Newfoundland and Labrador
    • Ontario
    • Saskatchewan

    These provinces allow you to apply for both loans with one application, and after graduation, they consolidate the student loans via the Integrated Student Loans program. You’ll pay only one loan to satisfy both debts.

    There are some provinces and territories that only offer one type of loan, either federal or provincial/territorial, so you’ll only have one loan to repay anyway. These include:

    • Nunavut
    • The Northwest Territories
    • Quebec
    • Yukon

    In all remaining provinces, you could apply for both federal and provincial loans with one application, but these student loans will not be consolidated upon graduation. That means you’ll have to be sure to repay each loan separately. This is the case if you live in:

    • Alberta
    • British Columbia
    • Manitoba
    • Nova Scotia
    • Prince Edward Island

    When do I start repaying my student consolidation loans?

    You have a grace period following graduation before you have to start repaying your government loans whether they are consolidated or not. This grace period lasts six months. In that timeframe, you’ll receive paperwork regarding your loans so you know how much you owe, how much interest you’re paying and where to send payments. Take note that interest starts accumulating upon graduation.

    Can I consolidate private student loans?

    In a manner of speaking, you can consolidate private student loans held with a bank. For example, if you took out a loan or line of credit from another institution but found that CIBC had a more competitive interest rate, you could apply for the Education Line of Credit to satisfy those debts. To determine whether you’d be eligible for this, you’ll want to speak to a CIBC advisor at 1-866-525-8622 .



    Student Loan Default: Learn How to Prevent Student Loan Default #real #estate #loans


    #student loan default
    #

    Student Loan Default Prevention

    1. Don’t do it. It’s easy to fall behind on making payments on your student loan after you graduate, but remember that missing even one payment is a bad idea. so try to avoid it!
  • You might get labeled. If you forget to pay your bill by the due date, make sure you pay it immediately to avoid a default penalty (don’t wait until your next bill). Most servicers give you 30 days before they report your delinquency to the credit bureaus. Once you get that “delinquency” label on your credit report you can NOT get it removed. The same goes for your parents who may have cosigned your loan.
  • No worries. automate. Signing up for automatic payment deductions from your bank account will help you stay on top of your loan payments. Of course, you also need to make sure there is enough money in your account to cover the bill.
  • Know-it-all. To prevent a default, it’s important to know where your loans are serviced and to know your rights and responsibilities as a borrower. Talk to your loan servicer or lender to make sure you have all the information you need.
  • The mail must go through. Make sure to let your loan servicer know that you have changed your address if you move. Not letting them know could result in missed mail, and ultimately end in a default on your student loan.
  • Ask for help. If you are having difficulties paying back your loan, call your loan servicer or lender to see if they can help. Income-based and graduated repayment options are available, or they might be able to extend your repayment period. Don’t wait until you’ve defaulted. ask for help as soon as you need it.
  • More school, more time. If you are enrolled in school at least half-time, you are eligible to defer your federal direct student loan payments until after you graduate or drop below half-time status. You may also be able to defer some private student loans as well (check with your lender or servicer).
  • Life is hard. If you are facing certain hardships that make it difficult to pay back your loan there are some deferment and forbearance options available. Talk to your loan servicer to discuss your options.
  • Loans aren’t free. Ultimately, you will need to pay back your student loan. In general loans can’t be forgiven (even if you file for bankruptcy). So remember to ask for help if you need it.
  • Additional student loan and college planning resources