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Grecia case in affitto mare vacanze isole appartamenti Greece vacation rental, case private in affitto.

#Case #private #in #affitto


Case private in affitto

Scriveteci per le migliori offerte e proposte nelle case che conosciamo di persona, e nelle isole che abbiamo visitato ! La Grecia vi aspetta !

Benvenuti

Sfogliate il nostro sito e entrate per conoscere jaeger-lecoultre reverso replicale novità del 2017!

Selezionate per voi:

DISPONIBILE DAL 8/08 PER 6 -7 PERSONE, PREZZO 170 EURO PER NOTTE

Casa di pietra tradizionale su 2 piani con scala interna, può ospitare 4-6 persone in tre camere. La casa si trova nel paese di Volissos. Entrando si trova un ampio soggiorno . continua

– 3 camere ( 2 matrimoniali e una con 2 letti separati )

– aria condizionata – internet – TV – lavatrice . continua

Per 4 persone disponibile fino al 10/8

  • 3 km da Skopelos
  • 1,2 km dalla spiaggia
  • 2 camere matrimoniali
  • 2 bagni /doccia
  • A / C nelle camere
  • Soggiorno / . continua

Sulla spiaggia per 4 persone disponibile dal 20/8

Questa casa indipendente sul golfo di Kalamitsa si trova a soli 50 metri dal mare e può ospitare fino a 4-5 persone. La casa è composta da 2 camere da letto, soggiorno, . continua

Appartamenti sul mare vicino a Monemvasia ideali per famiglie

E' un complesso di appartamenti sulla spiaggia di Monemvassia, proprio di fronte alla vecchia città sul promontorio. Gli appartamenti distano circa 10 km dal Castro di . continua

Questas bellissima Villa si trova a 400 metri dal mare, e a 4,2 km da Glossa. Skopelos città dista 29 km.

E' composta da 5 camere da letto e 5 bagni ( di cui . continua

SULLA SPIAGGIA OFFERTE SPECIALI DAL 22/08 E TUTTO SETTEMBRE !

– 20 metri dalla spiaggia

– aria condizioanta – wi fi internet

– 4 km dal porto di Antiparos

Questo bel complesso si trova . continua

Bellissima casa ideale per 9 persone

Questa è una bellissima casa costruita nello stile tradizionale dell' isola con dei bellissimi spazi esterni. Si trova nella zona di Vassilikos, esattamente a Xirokastelo, . continua

DISPONIBILDOPO IL 19/08 PER 12 PERSONE 184 EURO PER NOTTE PER COPPIA

Sulla bellissima spiaggia di Pori c'è questa bellissima villa lusso in stile cycladico composta da 6 camere da letto, 4 bagni (di cui 2 en-suite).

Ville esclusive sulla costa della Calcidica

Nel Sud di Kassandra ad appena 1,5 km dal paese pittoresco di Nea Skioni in una delle zone piu selvaggi e meravigliose della regione si trovano 26 Magnifiche . continua

DISPONIBILITA' DI SISTEMAZIONI IN AGOSTO

Questa struttura in stile cycladico è situata in una posizione centrale a Koufonisi, a 100 metri dal paese e a 250 metri dalla spiaggia di Ammos, è divisa in 2 edifici . continua

Ideale e romantica per 2 persone disponibile dal 16/8

Si tratta di una piccola casetta indipendente, costruita secondo lo stile cicladico e si trova a Katapola, bellissimo paese affacciato sul mare in quello che è un piccolo . continua

-120m dalla spiaggia di Agnontas -appartamenti e monolocali da 2 a 6 persone -piscina

E' un complesso di appartamenti costituito da 5 bilocali di circa 50mq per 2-4 . continua

Questa è una villa con 3 camere da letto, 2 bagni, balconi che circondano tutta la casa con viste magnifiche sul mare, giardino pieno di fiori e si trova a 10 minuti a piedi . continua

Questa piccola struttura di appartamenti si trova a Vassiliki, bellissima località circondata dal verde delle montagne e da acque cristalline del mare. Come posizione è . continua




Private Krankenversicherung, Allianz, private krankenversicherung.

#Private #krankenversicherung


Private Kranken­versicherung

Warum eine private Krankenversicherung sinnvoll ist

Private krankenversicherung

Die private Krankenvollversicherung (PKV) der Allianz bietet Ihnen und Ihrer Familie einen leistungsstarken Schutz für Ihre Gesundheit. Für jede Lebensphase, für verschiedene Berufsgruppen und weltweit.

Auf Veränderungen in Ihrem Leben können Sie flexibel reagieren und sich z.B. durch eine Anwartschaft eine unkomplizierte Wiederaufnahme nach kurzen Pausen sichern.

Sichern Sie sich und Ihren Angehörigen eine optimale Behandlung im Krankheitsfall.

Wir beraten Sie gerne individuell.

Warum die Allianz Private Krankenversicherung für Sie die richtige Wahl ist

Private krankenversicherung

Die Private Krankenversicherung der Allianz ist die erste Wahl für alle, die bei Ihrer Versicherung auf einen umfassenden Gesundheitsschutz und starke Leistungen setzen.

  • Ausgezeichnete Gesundheitsservices: Für medizinische Fragen steht Ihnen ein kompetenter Ansprechpartner telefonisch zur Verfügung. Bei komplexen Behandlungen unterstützt Sie zudem ein Patientenbegleiter bis zu Ihrer Genesung.
  • BONUS-Check und Beitragsrückerstattung: Mit dem Allianz BONUS-Check sehen Sie jederzeit die Höhe Ihrer voraussichtlichen Beitragsrückerstattung (bis zu 50%). So können Sie entscheiden, ob es sich für Sie lohnt, die Rechnung einzureichen.
  • FlexiblerVersicherungsschutz: Unsere Tarife können Sie durch attraktive Zusatz­bausteine wie dem Krankentagegeld ergänzen. So passen Sie Ihren Gesundheitsschutz Ihrer aktuellen Lebenssituation an.

Die richtige Krankenversicherung für jede Berufsgruppe

Private krankenversicherung

Die private Krankenversicherung für Selbstständige und Angestellte

Die Private Krankenversicherung der Allianz bietet Ihnen leistungsstarken und service­orientierten Schutz für Ihre Gesundheit – ein Leben lang. Als Selbstständiger oder Angestellter erhalten Sie mit den Kompakt-, Komfort- und Premiumpaketen durch optionale Zusatzbausteine wie der WechselOption vielfältige Gestaltungs­möglichkeiten. Damit sichern Sie Ihre Gesundheit nach Ihren individuellen Wünschen ab.

Private krankenversicherung

Die private Krankenversicherung für Beihilfeberechtigte

Als Richter, Beamter oder Beamtenanwärter zahlt Ihnen Ihr Dienstherr im Krankheitsfall

eine Beihilfe, die jedoch nach der jeweiligen Beihilfeordnung nur einen Teil Ihrer Kosten deckt. Die Private Kranken­versicherung der Allianz schließt diese Kostenlücke und sichert Ihnen und Ihrer Familie einen 100%igen Gesundheitsschutz. Zusätzlich haben wir für Beamtenanwärter in der Ausbildung passende Tarife.

Private krankenversicherung

Die private Krankenversicherung für Ärzte

Als Arzt oder Jungmediziner wissen Sie, wie wertvoll eine Privatversicherung im

Krank­heitsfall ist. Mit der Allianz Private Krankenversicherung als einem der größten Ärzte­versicherer Deutschlands profitieren Sie und Ihre Familie von den Vorteilen der Gruppen­verträge mit nahezu allen Ärztekammern und dem Marburger Bund. In Ihrer Ausbildung zahlen Sie als junger Mediziner besonders günstige Beiträge.


Private Krankenversicherung im Vergleich – Test und Vergleiche von mehr als 40 Gesellschaften f – r die privaten Krankenversicherungen, private krankenversicherung.

#Private #krankenversicherung


Private Krankenversicherung im Vergleich

Da es eine Vielzahl an Versicherungsgesellschaften mit unterschiedlichen Leistungsangeboten gibt, sollten Sie von der ACIO PKV-Analyse Gebrauch machen. Nach wenigen Angaben zur Person und gew nschtem Versicherungsumfang fordern Sie Ihr ma geschneidertes Vergleichsangebot an. Sie bestimmen den Leistungsumfang und somit auch den Beitrag.

Die private Krankenversicherung

Sie ist viel mehr als nur eine Alternative zur gesetzlichen Krankenversicherung. Sie bietet mehr Leistungen an und unterst tzt ihre Versicherten mit einem deutlich breiteren Leistungsspektrum. Nicht umsonst entscheiden sich viele Menschen f r die Tarife der privaten Krankenversicherung. Durch die hochgradige Anpassbarkeit der Tarife l sst sich mit der PKV sehr viel Geld sparen.

Holen Sie sich ein unverbindliches und kostenloses Angebot. Aus Ihren individuellen Vorgaben (H he der Selbstbeteiligung, Chefarzt usw.) erstellen wir einen Vergleich der Tarife der privaten Krankenversicherung. Sie brauchen sich nur noch zu entscheiden, welches Angebot am besten zu Ihnen passt.

Vergleichen Sie selbst – nutzen Sie unsere Analysen.

Bei uns finden Sie alle Tarife der privaten Krankenversicherung. Wir vergleichen auch die Testsieger aus Finanztest, kotest, Fitch und Assekurata.

Damit Sie sich vorab berzeugen k nnen, wie umfangreich unsere Analysen durchgef hrt werden, haben wir mehrere Musteranalysen f r die private Krankenversicherung bereitgestellt.

Sie haben Fragen zu den Bedingungen der privaten Krankenversicherung? Zum Beispiel: Welche Berufsgruppen k nnen sich versichern? Wie hoch ist die Jahresarbeitsentgeltgrenze? Ist eine Familienversicherung auch in der PKV m glich? Unser FAQ beantwortet die wichtigsten Fragen rund um das Thema PKV.

F r weitere Informationen zur privaten Krankenversicherung steht ein umfangreiches Lexikon bereit. Hier werden die wichtigsten Begriffe zu diesem Thema erkl rt. Eine Auflistung m glicher Diagnosen, die zu einer Ablehnung des Versicherungsantrages f hren k nnen, bietet ein berblick der Ablehnungsdiagnosen.

Rechtliche und vertragliche Grundlagen sowie Erkl rungen wichtigster Klauseln k nnen Sie hier einsehen. Weiterf hrende Informationen zur Beitragsentwicklung der PKV, der Kalkulation oder auch eine Gesellschaftsliste der Versicherer finden Sie hier.

Aktuelle Artikel zum Thema in unserem Newsportal

Schwanger: Wie es sich nun mit Arbeit, Krankengeld Co. verhдlt Jedem wird klar sein, dass Privatpatienten die Selbststдndig sind, einen hцheren Status genieЯen als gesetz mehr

Krankenkassenmitglieder Leistungen auf PKV-Niveau So klappt es Bei einem Aufenthalt im Krankenhaus werden beispielsweise nur Kosten fьr die Regelleistungen erstatt mehr

Ab wann besteht Anspruch bei einer Kasse auf Krankengeld Sie erhalten von Ihrer gesetzlichen Krankenkasse Krankengeld, wenn Sie Arbeitnehmer und damit gesetzlich versichert sind. S mehr

Es gibt viele Grьnde zu einer privaten Krankenversicherung zu wechseln. Doch die Beitrittsbedingungen sind strikt. Neben einem entsprechenden Einkommen sind die wahrheitsgemдЯen mehr

Bei der Kьndigung einer privaten Krankenversicherung gibt es einiges zu beachten. Mindestvertragslaufzeiten und Kьndigungsfristen kцnnen einen spontanen Austritt aus der Versich mehr

Die private Krankenversicherung im Vergleich

Auf www.versicherung-vergleiche.de finden Sie eins der umfassensten Portale zum Thema private Krankenversicherung und private Krankenkassen im Internet. Auf ber 2.000 Seiten bieten wir Ihnen, nicht nur im Bereich der privaten Krankenversicherung, Informationen, Onlinevergleiche und Analysen, sondern auch bei Krankenzusatzversicherung haben Sie mit uns einen zuverl ssigen Partner an Ihrer Seite.

Tipp: Beachten Sie, dass Sie als Mitglied der privaten Krankenversicherung weniger auf die Angebote der Krankenzusatzversicherung angewiesen sind. Um jedoch Einkommenseinbu en im Krankheitsfall vorzubeugen, sollten Sie ber eine Krankentagegeldversicherung nachdenken. Diese kann bereits ab dem achten Krankheitstag leisten.


Private und gesetzliche Unfallversicherung, Unfallkasse – Stiftung Warentest, private unfallversicherung.

#Private #unfallversicherung


Private und gesetzliche Unfallversicherung, Unfallkasse

Jedes Jahr passieren in Deutsch land etwa neun Millionen Unf lle. Manchmal tragen Betroffene fortw hrende Gesund heits probleme davon. Eine private Unfall versicherung lindert die finanziellen Folgen eines Unfalls. Sie zahlt eine vorab vereinbarte Summe, wenn der Versicherte durch ein pl tzlich von au en auf seinen K rper wirkendes Ereignis unfreiwil lig eine dauer hafte k rperliche Beein tr chtigung erleidet – unabh ngig davon, ob ein Unfall zu Hause, in der Frei zeit oder bei der Arbeit passiert. Mehr Private unfallversicherung

Viele Menschen haben eine schlechte Police

Dauer haft hei t in der Regel „f r mindestens drei Jahre“. Mit der Geldsumme l sst sich zum Beispiel eine Wohnung behindertengerecht umbauen. Viele Menschen haben eine Unfall versicherung, aber viele haben eine schlechte, die nicht immer oder im Ernst fall zu wenig zahlt. Die angebotenen Tarife sind sehr unterschiedlich, wie unsere Private unfallversicherungTests von privaten Unfallversicherungen zeigen.

Sogenannte Gliedertaxe ist Ma stab

Nach einem schweren Unfall erh lt ein Verungl ckter einen bestimmten Anteil der vereinbarten Versicherungssumme aus seiner Unfall versicherung, der vom Grad seiner Invalidit t abh ngt. Den Invalidit ts grad legen die Gesell schaften nach einer Liste der K rper teile, der Gliedertaxe, fest. Die Gliedertaxen unterscheiden sich teil weise, sowohl zwischen einzelnen Versicherern als auch zwischen den verschiedenen Tarifen eines Anbieters. Ein Betroffener erh lt dadurch je nach Tarif bei gleicher Beein tr chtigung eine unterschiedliche Geld leistung. Die gro e Summe, die ein Unternehmen bei einer schweren Beein tr chtigung zahlt, ist das entscheidende Kriterium f r die Wahl der privaten Unfall versicherung. Sinn voll sind Tarife mit einer Progression, bei der sich die Geld leistung bei Vollinvalidit t um ein Vielfaches der Versicherungs summe erh ht.

Weniger Schutz bei Vorsch den

Ist jemand schwerbehindert oder pflegebed rftig, kann er meist keine Unfall versicherung mehr abschlie en. Bei kleineren Vorerkrankungen sind die Unfall versicherer aber weniger streng als zum Beispiel die Private unfallversicherungprivaten Krankenversicherer. Sollte ein Versicherter, der einen Unfall erleidet, bereits gr ere Vorsch digungen (mehr als 25 Prozent) haben, kann es jedoch sein, dass er nicht so viel Geld wie erwartet aus der Versicherung bekommt. Eventuell werden Vorsch digungen des betroffenen K rperteils auf die durch den Unfall entstandene Invalidit t ange rechnet. Hat ein Versicherter zum Beispiel an einem Auto rennen teil genommen, als der Unfall geschah, oder ist der Unfall Folge von Kriegs ereig nissen oder durch radio aktive Strahlung verursacht, bekommt er keinen Schutz.

Wichtiger Blick ins Klein gedruckte

Eine Unfall versicherung zahlt im Gegen satz zur Private unfallversicherungBerufsunfähigkeitsversicherung nur nach einem Unfall, und nicht – au er in Ausnahme f llen – zum Beispiel auch f r die Folgen psychischer Erkrankungen. Aber selbst wenn dem ersten Anschein nach alles f r einen Unfall spricht, kann es sein, dass ein Kunde kein Geld bekommt. Ist ein Unfall zum Beispiel Folge einer Bewusst seins st rung durch Alkohol- oder Medikamenten miss brauch oder einen epileptischen Anfall, zahlen viele Versicherer nicht. Das gilt oft auch f r Unf lle nach einem Herz infarkt. Nur sehr gute Tarife leisten dann – zumindest zum Teil. Es lohnt sich, in den Bedingungen darauf zu achten, was in solchen F llen gilt.

Gesetzliche Unfall versicherung f r Arbeit, Kita und Schule

Die gesetzliche Unfall versicherung dient in erster Linie zur Absicherung bei Arbeits unf llen und Berufs krankheiten. F r Berufs t tige sind in der Regel die Berufs genossenschaften die Tr ger der gesetzlichen Unfall versicherung. Auch Kinder und junge Leute sind durch die gesetzliche Unfall versicherung gesch tzt, hier sind die Unfall kassen der Bundes l nder zust ndig. Der Schutz gilt f r Berufs t tige, Sch ler, Kita kinder und Studenten aber nur bei der Arbeit, in der Hoch schule, Schule oder Kita, sowie bei Unf llen auf dem Weg dorthin und zur ck.

Unfall kasse zahlt nicht in allen F llen

Die gesetzliche Unfall versicherung kommt dann f r die medizi nische Behand lung, die Reha und die Wieder einglie derung ins Arbeits leben auf und zahlt auch eine Rente, falls jemand bleibende Sch den davon tr gt. Da dieser Versicherungs schutz jedoch nicht immer und ber all gilt und auch keine hohen Kapitalzah lungen f r Unfall gesch digte vorsieht, empfiehlt es sich, erg nzend eine Private unfallversicherungprivate Unfallversicherung abzu schlie en. Wie sich Arbeitnehmer wehren k nnen, wenn ein Arbeits unfall nicht als solcher anerkannt wird, erkl ren wir in unserer Meldung Private unfallversicherungWenn die Unfallkasse nicht zahlt.

Tests

Private unfallversicherung

Private Unfall versicherung Die besten Policen

07.10.2015 – Die Unfall versicherung soll schwere Unfall folgen finanziell abfangen. Doch nicht jede ist gut. Auch wer eine solche Police bereits besitzt, sollte den Vertrag ber pr fen. Viele Versicherungen leisten im Ernst fall bei weitem nicht genug. In unserem gro en Test von Unfall versicherungen schneiden nur 5 von 124 Policen mit sehr gut ab.* Private unfallversicherungZum Test


Personal Health Insurance, Sun Life Financial, cheapest private medical insurance. #Cheapest #private #medical #insurance


Personal health insurance

Personal health insurance products help lower your risk of being burdened by expenses for preventive care or medical bills as a result of an illness or accident. While provincial health plans provide coverage for many health expenses, there are gaps that can have a significant impact on your finances. For example, depending on the province or territory where you live, you may have to pay for:

  • Prescription drugs to treat a chronic or serious health condition
  • Emergency medical services provided in another country
  • Practitioners like physiotherapists to promote wellness or help with injury recovery
  • Medical equipment to assist with your mobility

Sun Life offers 2 personal health insurance products: Personal Health Insurance and Health Coverage Choice.

You should consider personal health insurance if:

  • You don’t have health benefits through your employer
  • You’re losing your group coverage
  • You’d like additional benefits not offered by your employer’s plan or your province’s health coverage. You must have provincial health coverage to apply for personal health insurance.

Which product is right for you?

Personal Health Insurance

If you want higher coverage levels and are willing to be medically underwritten – where we review your health in greater depth through tools such as a detailed health questionnaire – then you should consider Personal Health Insurance. See plan details below.

Health Coverage Choice

If you’ve lost your group benefits coverage in the last 60 days – or will be losing your group benefits – because you are leaving your job or retiring, and you want coverage for your current health needs, you should consider Health Coverage Choice. There is no medical underwriting with this product.

We offer 3 Personal Health Insurance plans:

Personal Health Insurance is for you if you don’t have adequate employer group benefits coverage. You can choose among plans with differing levels of coverage. Each person included on a Personal Health Insurance application must have provincial health coverage and will be medically underwritten.

Basic plan

Our lowest-cost plan helps you budget for basic medical and dental needs.

  • 60% reimbursement for prescription drugs with a $750 annual maximum
  • 60% reimbursement for supplemental healthcare expenses. 60% reimbursement with a $25 per-visit maximum on paramedical practitioner services up to $250 per year per practitioner
  • 60% reimbursement for preventive dental care with a $500 annual maximum
  • Semi-private hospital room coverage is optional. No coverage for emergency travel medical or vision care

Standard plan

Our most popular plan includes catastrophic drug, emergency travel medical and optional preventive dental coverage.

  • For prescription drugs, 70% reimbursement for first $7,000 and 100% reimbursement for next $93,000 of annual eligible expenses
  • 100% reimbursement for supplemental healthcare. 100% reimbursement for paramedical practitioner services up to $300 per year, per practitioner. 100% reimbursement for vision care up to a $150 maximum every 2 years
  • Emergency travel medical for the first 60 days of a trip and $1 million lifetime maximum on emergency travel medical claims
  • Optional preventive dental and semi-private hospital room coverage

Enhanced plan

Our most comprehensive coverage, with a higher prescription drug maximum than the standard plan and optional dental coverage that includes restorative and orthodontic services.

  • For prescription drugs, 80% reimbursement for first $5,000 of annual eligible expenses and 100% reimbursement for next $245,000 of annual eligible expenses
  • 100% reimbursement for supplemental healthcare. 100% reimbursement for paramedical practitioner services up to $400 per year, per practitioner. 100% reimbursement for vision care up to $200 maximum every 2 years
  • Emergency travel medical for the first 60 days of a trip and $1 million lifetime maximum on emergency travel medical claims
  • Optional dental coverage for preventive, restorative and orthodontics and optional semi-private hospital room coverage

Get personal health insurance

Get a free online quote or to better understand which personal health insurance plan is right for your needs, talk to your advisor or find an advisor near you to help answer your questions. There is no cost to talk to an advisor.


INTER Versicherungsgruppe – Kompetenz, Fairness und Vertrauen, private versicherungen.

#Private #versicherungen



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INTER Kranken erhält A+

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Assekurata hebt Unternehmensrating auf “A+” (sehr gut) an!

Zahnzusatzversicherung

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Pflegezusatzversicherung

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INTER MeinLeben® Rendite und Garantie, Sie haben die Wahl



Compare Health Insurance Quotes at GoCompare, private medical insurance.

#Private #medical #insurance



Health insurance

Compare health insurance quotes with ActiveQuote, [1] for fast, private treatment

  • Skip NHS waiting lists and see a private doctor quickly
  • Choose from a range of private hospitals and get the treatment you need
  • Get specialist treatment that may not be available through the NHS

Private medical insurance Private medical insurance

Start your health insurance quote

If injury or illness befalls you, health insurance covers private treatment with preferred doctors, consultants, hospitals and clinics, for pre-agreed conditions and ailments.

Insurers sometimes refer to health insurance as ‘private medical insurance’, or ‘PMI’, but in most cases, the product is the same, although what’s covered will vary from policy to policy.

Get informed


  • Family health insurance
  • Read helpful guides in the Health insurance first aid kit

What’s included in health insurance?

The benefits will vary from policy to policy, but the right one for you will offer you the most flexibility and support when you’re in need.

Look out for these benefits:

  • In-patient treatments, such as routine health checks, tests and surgery
  • Out-patient care, such as overnight stays
  • Cash benefit if private treatment takes place in an NHS ward or facility
  • The use of diagnostic equipment
  • Cost of appointments, plus the consultant’s time
  • Prosthetics and wigs

But what’s covered will vary from policy to policy, so carefully compare the benefits and exclusions to find the right one for you.

Do I need health insurance?

Health insurance can work in tandem with the free care provided by the NHS, which all UK citizens are entitled to, to give patients control over how they’re treated.

Self-employed workers, or those with debilitating conditions that don’t receive statutory sick pay, may benefit from health insurance because it fast-tracks treatment.

Some insurers also offer a medical advice phone line so you have the option to speak to a nurse.

Will health insurance cover every illness and injury?

If you’re taken ill with a new condition, or have an accident, the benefits of health insurance will usually help you. If you have a pre-existing condition, getting affordable cover can be tricky, but it’s not impossible if you shop around.

Changing providers mid- or following treatment can also be problematic, as the illness or injury may become a pre-existing condition in the eyes of your new insurer.

Bear in mind that health insurance is very different to a healthcare cash plan, which reimburses appointments and certain treatments at the dentist, optician or physio.

Ready to get a health insurance quote?

We’ll help you at each step, but have this information to hand:

  • Your name, age and address
  • If you smoke, and if you’ve quit, how long ago
  • If you’d like to add a partner or children to the policy

Your quotes are based on your answers, so be honest and accurate, as inaccuracies could invalidate your policy.

Which health insurer should I pick?


On the pulse


  • As of November 2015, there were over 3.3 million people on NHS England waiting lists [2]
  • According to PwC, sick leave costs UK businesses £29 billion a year [3]

GoCompare helps you compare policies from well-known and trusted healthcare insurers, including AXA PPP, Aviva, Simply Health, PruHealth and many more.

To make your decision, you can compare the price, features and benefits of each health insurance policy, side-by-side, and get up close and personal with insurer and package in the ‘key facts’.

When you feel confident with your choice you can buy online, or we’ll give you a number to call the insurer about your chosen product.

Need to know more about health insurance?

You’ll find a plethora of helpful guides in our Health insurance first aid kit including cancer and heart disease, family health insurance, disability care, long-term care and health care for self-employed workers.

We’ve investigated how smoking and vaping may affect your eligibility, and how your mental health can affect a premium.

And as dreary as they sound, medical history declarations, moratoriums, out-patient treatment, in-patient treatment, day-patient treatment, pre-existing conditions and excesses, are all key parts of a health insurance quote, so we’ll help you get to grips with those, too.

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Bringing home baby

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    [1] GoCompare.com introduces customers to ActiveQuote which is authorised and regulated by the Financial Conduct Authority. GoCompare.com’s relationship with ActiveQuote is limited to that of a business partnership, no common ownership or control rights exist between us. Please note, we cannot be held responsible for the content of external websites and by using the links stated to access these separate websites you will be subject to the terms of use applying to those sites

    [2] NHS England figures

    [3] PwC 2013 research, gathered from 2.500 companies



  • KREDITE, KREDIT, KREDITRECHNER, KREDITVERGLEICH, KREDITVERMITTLUNG, private kredite.#Private #kredite


    private kredite

    gegen grundbьcherliche Sicherheit, lange Laufzeit bis 40 Jahre, niedrige Raten, Fixzinssatz mцglich

    • Beleihungen zur freien Verwendung
    • Umschuldung

    gegen grundbьcherliche Sicherheit, lange Laufzeit bis 40 Jahre, niedrige Raten, Fixzinssatz mцglich

    • Eigentumswohnung
    • Haus
    • Grundstьck
    • Gewerbeimmobilie

    Private kredite

    • Renovierungs- und Sanierungsarbeiten
    • MaЯnahmen zur Energieeinsparung
    • Wellness- und Sicherheitseinrichtungen
    • Baugrundkauf und Wohnhauskauf
    • Kauf und Errichtung einer Eigentumswohnung
    • Miet-, Genossenschafts- und Gemeindewohnungen
    • Erbteils- und Scheidungsforderungen
    • Pflege- und BildungsmaЯnahmen
    • Schuldablцsen vorgenannter Finanzierungen

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    Investitionen fьr bestehenden Wohnraum, Laufzeit bis 15 Jahre

    • Mцbel
    • Einrichtungsgegenstдnde
    • Erwerb eines Genossenschaftsanteils
    • Ablцse einer Mietwohnung
    • Ablцse einer Gemeindewohnung

    Sanierung (Umbau und Renovierung)

    • Neue Fenster,
    • eine bessere Wдrmedдmmung,
    • eine neue Heizung
    • etc.

    Private kredite

    Als Sicherheit dient nur das Einkommen und Eigenmittel, wenn vorhanden. Kurze Laufzeit, schnelle Abwicklung

    • Anschaffung von Konsumgьter
    • Urlaub
    • Ausbildung
    • Zahnspange
    • Abdeckung des Girokontos
    • Umschuldung des bereits bestehenden Privatkredites zwecks besseren Konditionen etc.

    Eine beliebte Alternative zur Finanzierung von Neufahrzeugen oder Vorfьhrwagen fьr Private und Selbstдndige. Ьberlassung und Nutzung des Autos fьr eine vereinbarte Zeit gegen eine monatliche Leasingrate.

    • Individuelle Bestimmung von Eigenleistung und Restwert
    • Geringe monatliche Belastung
    • Maximale Flexibilitдt am Ende der Laufzeit!
    • Problemloser Umstieg auf ein neues Auto oder gьnstige Vertragsverlдngerungen!

    Wir bringen die Banken online zu Ihnen!

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    Legitimate Personal Loans: BBB Accredited Private Non-Bank Lenders, private personal loans.#Private #personal #loans


    Paste Control

    websites of BBB approved businesses.

    Personal Loans from BBB

    Approved Companies

    The following list contains legitimate companies that offer personal loans and that have been accredited by the Better Business Bureau after meeting all their strict requirements.

    If you’re looking for an unsecured loan from non-bank sources, the following websites are a great place to start your search. Borrowing money online is a fast and convenient option, but always keep safe by choosing a reputable lender to work with.

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    On some occasions, people find themselves in life scenarios where they need to borrow money for different reasons. It may be to make a large purchase, buy new home furniture, finance a long awaited vacation or even to consolidate other debt, including high-rate interest card debt.

    They may be a good option to explore when you do not have assets to use for a secured loan or when you need a practical alternative to the traditional bank loan course of action.

    A personal loan is any type of unsecured loan. Compared to a mortgage, which is backed by the value of a home, or a car loan, which is backed by the value of a car, lenders offer these unbacked, unsecured loans to those people who do not have an asset that can be used as collateral.

    Also known as no-collateral loans, they can be a solution to individuals who need to borrow money but do not have anything to use as security.

    Unlike other types of financial obligations, a personal loan provides the freedom to use the funds as needed.

    Most of the time, the lender wants to know what the money will be used for, to make sure you are making a sound decision.

    However, you can use the money to consolidate debt, make upgrades to your home’s infrastructure, or use it for almost any other purpose. People need this type of loan, both the short term and the long term version, because they do not have access to cash any other way.

    Some people benefit from it more than others do. You may not need it if you can get a less expensive loan offer. However, if you cannot, it is a decent option to explore. It provides you with access to funds without needing to present collateral.

    Additionally, since it is not backed by your home, if you do default, you do not lose any assets in the process. This can make it less of a risk to the consumer.

    Choosing a BBB accredited organization can provide you with better peace of mind that you’ve made a good choice.



    Private Student Loans for Undergraduate and Graduate Students, SunTrust Student Loans, private student loans.#Private #student #loans


    private student loans

    • Private student loans

    Having trouble repaying student loans?

    Consider these simple solutions that may help.

  • Private student loans

    Scholarship Sweepstakes

    High school seniors and current college students can enter for a chance to win a $500 scholarship! No purchase necessary. Terms apply.

  • Private student loans

    Servicemembers Civil Relief Act (SCRA)

    What protections are available for Servicemembers.

    Education Center

    Paying for college can be a challenge. SunTrust can help navigate the options.

    Before you look into paying for your college expenses, it’s important to know how much money you’ll need. Our money management resources, tools, and budgeting tips can help.

    Use our college tuition guide and step-by-step guide to paying for college for planning advice on how to avoid getting too over-burdened with debt before you’ve earned a degree.

    Before you get a loan, we encourage you to try getting scholarships and grants first. Our list of online resources can help. You can also register for the SunTrust Off to College Scholarship Sweepstakes (see Official Rules for details).

    Tools and Calculators

    • Contact

    SunTrust Education Lending | 1001 Semmes Avenue, Mail Code: RVW 7076 | Richmond, VA 23224

    SunTrust Bank, Member FDIC. 2017 SunTrust Banks, Inc.

    SunTrust and Custom Choice Loan are federally registered service marks of SunTrust Banks, Inc.

    SunTrust recommends comparing all aid alternatives including grants, scholarships, and federal student loans, prior to applying for a private student loan. Before selecting a private student loan, compare options offered by SunTrust.

    Union Federal is a federally registered trademark of Cognition Financial Corporation used by SunTrust Bank under license. The Union Federal Private Student Loan is funded by SunTrust Bank and is not affiliated with any other lender. Certain restrictions and limitations may apply. SunTrust Bank reserves the right to change or discontinue this program without notice. This loan program is subject to approval under the SunTrust credit policy and other criteria and may not be available in certain jurisdictions. SunTrust is a federally registered service mark of SunTrust Banks, Inc. Cognition Financial Corporation is not an affiliate of SunTrust Bank.

    1 Interest rate reductions offered for automatic payment from a bank account: 0.25% interest rate reduction for ACH payment from any bank account and an extra 0.25% interest rate reduction when ACH payments are made from a SunTrust Bank account. ACH interest rate reduction(s) apply when full payments (including both principal and interest) are automatically drafted from a bank account. Interest rate reduction(s) will remain on the account unless (1) the automatic deduction of payments is stopped (including times during deferment or forbearance) or (2) there are three automatic deductions returned for insufficient funds within the life of the loan. The additional SunTrust Bank account ACH interest rate reduction is available for loans first disbursed on or after 6/1/11 and will be applied after the first automatic payment is successfully deducted from a SunTrust Bank checking, savings or money market account and will be removed for the reasons stated above or if you close your SunTrust Bank account. In the event the benefit(s) is removed, the interest rate stated in the Credit Agreement shall be applied in accordance with the terms of the Credit Agreement.



  • FinAid, Loans, Private Education Loans, private education loans.#Private #education #loans


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    Private Education Loans, also known as Alternative Education Loans, help bridge the gap between the actual cost of your education and the limited amount the government allows you to borrow in its programs. Private loans are offered by private lenders and there are no federal forms to complete.

    Some families turn to private education loans when the federal loans don’t provide enough money or when they need more flexible repayment options. However, since federal education loans are less expensive than and offer better terms than private student loans, you should exhaust your eligibility for federal student loans before resorting to private student loans.



    Private education loans, private education loans.#Private #education #loans


    Financial Aid Scholarship Services

    Loan Servicer Information

  • When You Leave School/

    Alternative Loans are private loans offered through lending institutions and are NOT part of federal government programs. These loans are available if you need additional financial assistance after applying for all federal and state financial aid programs, including federal loans through www.fafsa.ed.gov.

    Private Educational loans should be taken as a last resort after all Federal Loans have been exhausted.

    As with all student loans, the amount borrowed must be for educational expenses and cannot exceed the cost of attendance for the loan period. Money is borrowed in the student’s name. A cosigner is usually required and loan approval is based on creditworthiness. Interest rates, loan fees, and borrower benefits for alternative loans vary. Alternative loans are also available for students that may not qualify for federal aid; International students with a cosigner, students who have past due term balances, and students enrolled for less than half-time.

    While private education loans can help you pay for college, they are most often not the best choice. You should only apply for a private loan if you have already made use of all federal resources available.

    • DO NOT borrow money you don’t really need. Private educational loans generally have higher interest rates than federal loans so you will often end up paying more money back on a private loan. Make sure you need the funds!
    • Be selective in choosing your lender. Look for a lender that will give you the best interest rate, lowest fees, and best repayment plan. Failure to fully research these items can cause you to incur excessive debt.
    • You may want to find a cosigner. Even with a good credit score, a cosigner may help you get a better interest rate and/or a better repayment plan. A cosigner is a parent, guardian or other trusted individual that is willing to put their name on your loan and be responsible for payments should you fail to make them. There are usually cosigner release programs that allow your cosigner to be removed from the loan after a designated period of time.

    Have a Private Educational Loan Lender List?

    Stony Brook University takes financial aid advising very seriously which is why we’ve developed a Private Alternative Loan Lender List. The purpose of private/alternative loans is to provide secondary resources for students who have exhausted federal loan program options. A lender list is a tool used to assist students and families with the decision making process of choosing a lender. There are many student loan lenders from which you can choose. While the lenders on our sample lender list have been evaluated closely on the basis of customer service, technology, lender stability, reputation, default management, and borrower benefits, students have the right to select the lender or loan product of their choice. In fact, borrowers are strongly encouraged to conduct their own consumer research.

    Select Its Private Educational Loan Lenders?

    Loan borrowers should receive quick, efficient and accurate processing of their loans through a simplified application process and state of the art operations. Programs should interface with the university’s financial aid processing system assuring a streamlined, electronic loan certification and funds delivery system. Timely and responsive processing with outstanding problem resolution service is essential. A toll free number for borrower information is required. Ideally, there should be separate dedicated toll free numbers for borrowers in school and in repayment status.

    Lender Stability and Reputation:

    Our sample lenders, their affiliates, and associated loan servicing agencies must be well established in the student educational loan industry for a minimum of five years. They also must maintain a proven record of excellent customer service to borrowers. This includes offering a variety of repayment options and the maintenance of a well-trained staff to answer questions via a toll-free number.

    Our sample lenders provide web-based default management tools and early intervention for borrowers who are delinquent on their loan payments. They also provide information and advice to borrowers about costs of deferment/forbearance, repayment calculators, consolidation information, planning/budgeting, and credit information to students and parents.

    Our sample lenders have competitive rates and provide above-average repayment benefits to loan borrowers. Borrower benefits provided by each of our sample lenders can be accessed from the websites listed on our sample Lender List. Reasons for selecting a particular lender can vary from person to person. Some choose a lender based on name recognition or where they have already had positive banking experiences. Others prefer the immediate benefit of lower origination fees, resulting in more money up front. Still others prefer the long-term advantage of repayment options, like an interest rate reduction as a reward for making payments on time.

    Private Education Loans

    Effective February 14, 2010, lenders offering private education loans are now required to provide consumer disclosure information.

    Federal regulations also now mandate that private loan lenders require borrowers to complete a Private Educational Loan Application Self-Certification Form when requesting any private education loan. This form must be submitted to the lender – NOT to Stony Brook University! While your cost of attendance and estimated financial assistance are needed to fill out section 2 of the form, you should be able to obtain this information by accessing your Stony Brook SOLAR account. If you need assistance completing this form, please contact your corresponding Financial Aid Office.

    Related Link: http://federalstudentaid.ed.gov/federalaidfirst/ (Explains the differences between federal and private education loans)

    Students and parents can borrow from any lender. To assist you in deciding which lender to choose, we have listed some important questions to ask a lender:

    • What is the interest rate and what is it based on?
    • When does repayment begin?
    • Can principal and interest be deferred?
    • When is the interest capitalized?
    • How much is the loan origination fee?
    • What is the maximum amount I can borrow per year?
    • What is the minimum amount I can borrow per year?
    • Can payments be combined with Federal Direct payments?
    • Can payments be made through electronic transfer?
    • Can the loan be consolidated with other loans?
    • Can I borrow money to cover past due balances from a previous school term?
    • Are there interest rate deductions or other incentives for borrowers who make their payments on time?

    Important information you need to know when selecting an Alternative Loan Product:

    Private student loans typically have variable interest rates, with the interest rate pegged to an index, such as LIBOR or PRIME, plus a margin. The LIBOR index is the London Interbank Offered Rate and represents what it costs a lender to borrow money. The Prime Lending Rate is the interest rate lenders offer to their most creditworthy customers. A rate of LIBOR + 2.8% is roughly the same as PRIME + 0.0%.



  • Find – Compare Private Student Loans Options, SimpleTuition, private loans.#Private #loans


    Private Student Loans

    Private loansCollege is expensive, and the costs seem to keep going up. Students are exploring more and more ways to fund these ballooning costs for their higher education. Student loan debt now tops $1 trillion.

    When seeking financial aid, your first step should be to exhaust all forms of scholarship and grant money you may be eligible for. This is essentially free money that you don t have to pay back. Your next option should be federal financial aid. The U.S. Department of Education offers both grants and loans with low and fixed interest rates with flexible repayment plans. You will need to fill out a Free Application for Federal Student Aid (FAFSA) in order to determine how much aid you may qualify for through government funding.

    Only as a last resort should you take out a private student loan. Private student loans are offered through financial institutions and organizations, and often don t have the same flexibility or favorable terms as a federal loan. Unfortunately, many times grants, scholarships, and federal loans are just not enough to cover the costs of college, and you will need private student loans to bridge the gap. In addition, federal funding is not available for non-U.S. citizens, while private funding may be.

    Fixed and Variable Interest Rates

    Eligibility and Application Process

    Private loansOften private loans require you to have an established and decent credit score to be eligible. Most students straight out of high school have yet to establish credit and therefore will require a cosigner. A cosigner is someone with good credit standing who agrees to be your guarantor or be financially liable for you during the life of your loan. Generally speaking, the better your – or your cosigner s – credit, the better your private student loan terms. Private loans may have higher loan limits and more generous loan cap amounts than federal loans for these borrowers. Private lenders may require a certification from the school in order to determine the maximum amount of money, or cap, they will offer to lend you. This is based on the cost of attendance minus any other aid you may already be receiving. Each private lender will set the terms, conditions, and eligibility requirements for the loans they offer.

    The application process may also differ from lender to lender. Many have the option to fill them out electronically on their individual website. You will generally need your name, date of birth, school information, Social Security number, and income or tax information to apply. Most private lenders will perform a credit check to determine your eligibility. Private lenders do not publish the rate you will receive before the application is complete, so you should apply for more than one in order to determine which one offers the most favorable terms.

    Once you have been approved, the lender will send you a letter detailing the terms and conditions of your loan. The money is not disbursed until you accept these terms and sign a promissory note that details your rights and responsibilities as a borrower. This note is a legally binding contract between you and the lender in which you agree to repay your loan and all interest accrued. Be sure to keep a copy of your promissory note for your records.

    Loan Disbursement Information

    • Room and board
    • Books
    • Computer equipment
    • School supplies
    • Dependent child care
    • Transportation

    Loans are generally based on the total cost of attendance at a school, which is not limited to just the cost of enrollment. When applying for a private student loan, you should only borrow however much you actually need which may be less than the amount offered to you. It can be very easy to get into debt quickly and difficult to dig yourself out.

    Private loans

    Repayment

    Private loansWhile some private loans will allow you to defer payments until after graduation, dropping below half-time status, or leaving school, many will require you to pay as you go, or at least pay the interest while you are still in school. Some loans offer a grace period, or time after graduation before your loan repayment period starts, but not all private loans do. Federal student loans have income-dependent repayment plans, as well as deferment and even forgiveness options that are not offered by private loans. Failure to make your payments on time can negatively affect your credit score as well.

    Many lenders have flexible options for you to pay your bills in several accessible ways such as:

    • One-time electronic payments
    • Automatic debit or ACH payments
    • Mail-in payments
    • Payments over the phone

    Your lender will be able to set you up on a repayment plan that works for you. A loan servicer, or the company that you pay your bills to and who is responsible for the administrative support of your loan, is able to work with you to find a viable and manageable repayment option. If you are having trouble making your payments, contact your loan servicer as soon as possible. It is also your responsibility to make sure your loan servicer has your current contact information and to make sure you are aware of when your repayment period starts.

    Private loans may be a realistic option for you if your other sources of aid don t cover what you need to achieve your educational goals. You should be sure to contact your financial aid office at your school to determine what is the best option for you and your circumstances as to avoid getting into a financial situation from which you cannot easily recover.



    Debt Consolidation Loans – Get a Consolidation Loan – South Africa, private loan consolidation.#Private #loan #consolidation


    Debt Consolidation Loans

    Private loan consolidation

    Consolidation loans are used to deal with overwhelming debts. It is essentially taking out a loan to pay off any number of smaller debts which can ease the pressure by reducing your monthly payments. Debt consolidation loans are used to help simplify your finances. The interest rate on these types of loan can actually work out lower than continuing to deal with mounting multiple debts. With many lenders offering consolidation loans, finding the right deal for you can be difficult. You can find a loan by using our comparison service to search for the best rates from a range of providers. This will ensure you find the right loan to clear your debts with. Make sure that you read the terms and conditions of any consolidation loans which you are interested in.

    If you wish to speak to someone: Contact Us

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    Get Out Of Debt With Debt Consolidation Loans

    What is a consolidation loan?

    If you feel that your debts are spiralling out of control and you do not know how to sort everything out then a debt consolidation loan could be really helpful. If you have multiple debts which you are having trouble keeping up with then a debt consolidation loan could be a good option. A debt consolidation loan is basically a single loan which you will borrow in order to pay your multiple debts.

    How a debt consolidation loan can help

    A consolidation loan means that you can consolidate your debt which means that you essentially group your debts together. This can make life a lot easier as you will only have a single debt to pay off each month. You should stop receiving threatening letters from your previous creditors and your single payment should be made as easy as possible.

    You can off your debt over a longer period of time

    It should be possible to pay this consolidation loan over a longer period of time so the monthly payments which you have to make will be smaller. However, it is important to remember that ultimately you are likely to pay more interest on your debts with a consolidation loan in comparison to what you would have had to pay when you had multiple debts. The idea is that in the long run a consolidation loan makes your life easier rather than more difficult.

    Consolidation loans can be more expensive than your original debt

    It is important to bear in mind that a consolidation loan is highly likely to be more expensive than your original debts but if you were finding them too hard to organise then in the long run a consolidation loan could save you money by helping you to avoid extra fees and charges on your original loans.

    Consolidation loans are not for everyone

    If you are happy paying your current debts and are not having any problems organising your payments then a consolidation loan is probably unnecessary for you. However, if this is not the case and your debts out of control then a consolidation loan could be an option to give you peace of mind.

    Why should I consolidate my debts with a consolidation loan?

    As already discussed, there are plenty of good reasons why you should consolidate your debt and you don’t necessarily have to be in financial difficulty in order to benefit. Consolidation loans can help you cut your monthly outgoings, leaving you more money for savings to help with a rainy day, education or to pay off your existing debts. If you feel like you are trapped in a cycle of borrowing then a debt consolidation loan is definitely worth considering helping you become debt free. Just ensure you have enough discipline to budget correctly and not borrow more after this. If you are in any doubt then you should seek independent financial advice.



    Bad Credit Mortgage & Second Mortgage Toronto, Private Home Loans in Toronto, Canada Wide Financial, private loan.#Private #loan


    Home Loans Made Easy through Canada Wide Financial

    It is disappointing and discouraging when lenders fail to approve you for a home loan in Toronto. If less than perfect credit affects your ability to get a first or second mortgage, we can help you secure the funds you need to purchase the home of your dreams.

    We Qualify You When Other Lenders Do Not

    Many of today’s banks and financiers have long lists of qualifications that are difficult for most people to meet. Fortunately, here at Canada Wide Financial, we do things differently when it comes to home loans in Toronto. We can qualify you for a loan in several ways, including an evaluation of your employment and income, or even of the equity in your existing home. When other lenders say no, we can help you secure a private home loan.

    A Simple Process

    To find out if you qualify for a private home loan in Toronto, simply fill out an application. Our underwriters will review it the very same day, and you could receive approval in as little as four to 12 hours. There are no application fees, and in the event that there is an appraisal fee, we will notify you in advance. There are no long wait times, and you will never feel left in the dark.

    No Credit? No Problem

    Although traditional lenders rely almost exclusively on your credit score to determine your eligibility for home loans in Toronto, we do not. In fact, we use various other criteria, including your job, your length of employment, and your income as qualifiers to help you find the funds you need. We can even help you acquire funds for a second mortgages even if you have an open bankruptcy.

    The Right Private Loan for Your Needs

    Whether you are interested in home loans in Toronto for bad credit, second mortgages, private mortgage refinancing, or even debt consolidation based on the equity in your home or property, we can help. We can even stop foreclosures, assist in bridge financing, and work with clients who have declared bankruptcy. Despite what other lenders say, we will work with you to discover the best solutions for your unique situation.

    If you need private home loans in Toronto, look no further than Canada Wide Financial. When other lenders turn you down, do not feel discouraged. Simply fill out our application, and one of our friendly, helpful representatives will contact you within 24 hours.



    Student Loans for Borrowers with No Co-signer, SimpleTuition, private student loans without cosigner.#Private #student #loans #without #cosigner


    No Co-signer Student Loans

    Private student loans without cosignerNo co-signer student loans are available for students who have an established credit record with a good credit score. It is uncommon for students to qualify for private student loans without a co-signer, as most students lack a good credit score or have no credit history. Students who do not have an established and strong credit history generally will not be able to receive private no co-signer student loans due to the recent recession and stricter lending policies. There are, however, a few ways for a student to find a student loan without needing a co-signer.

    What are the different types?

    Certain federal student loans can be considered no co-signer student loans. Federal loans are approved based on a variety of factors, like financial need, but not on credit history or lack of one; this means that a student with weak or no credit history can receive federal loans. There are a few federal loans that a student can receive, two of which are Direct Subsidized loans and Perkins loans. These loans have low interest rates and flexible repayment terms. Federal Stafford loans can be subsidized or unsubsidized. Direct Subsidized loans are awarded based on financial need, as the government pays the interest on these loans while the student is in school. You do not have to demonstrate financial need to qualify for a Direct Unsubsidized loan, but you will be responsible for the interest accrued while you are in school. Perkins loans are also subsidized, but you need to demonstrate “exceptional” financial need to qualify for one. It is really hard to find no co-signer student loans privately.

    Advantages

    Students who qualify for and receive no co-signer student loans will continue to build their credit history and allow them an opportunity to receive other types of loans for future purchases. These student loans help students achieve their educational and professional goals.

    Finding Loans with SimpleTuition

    • If you re looking for a private student loan, there are a wide variety of options. Some of the student loans available to you may not require a co-signer.
    • We provide a free loan search tool to help you compare all the loan options available to you, some of which may not require a co-signer.
    • After doing some research, we can help you go to a lending partner of your choice.
    • Before applying, remember to exhaust other funding sources, particularly federal student loans before exploring private loan options.

    Frequently Asked Questions

    Most student loans that don t require a co-signer are federal student loans. To apply for these, you ll need to fill out the FAFSA, which is available for free online at fafsa.ed.gov. This form will collect various financial details of the student to determine financial aid eligibility.

    While searching for loans for college without a co-signer and credit check, I came across fixed interest rate options. What are these?

    Every student loan carries an interest rate, which is the cost of borrowing. Interest rates can be either fixed or variable. Fixed interest rates are rates that do not vary throughout your repayment period. Variable rates may change depending on market conditions, going either up or down.

    Do college loans for students with no co-signer include the Perkins loan?

    Yes, Perkins loans fall into the category of loans that do not require a co-signer. This is a need-based loan that is geared towards covering educational costs for needy students. One of the key features of this loan is a low interest rate and flexible payment options.

    Is getting a student loan cosigned beneficial for the student?

    Yes, there are a number of advantages that come with cosigned student loans. First of all, it is important to know that a co-signer is basically a person who guarantees repayment of loans on behalf of the student. The major advantages of cosigning include easy approval of loans, better interest rates, and a chance to improve or build a strong credit score.

    What is the interest rate on student loans without co-signer and no credit history?

    The rate on student loans that don t require a co-signer and have no credit check depend on where they re coming from. If you re talking about federal student loans, the rate will be competitive or low. These rates are usually fixed and are sometimes subsidized by the government. However, if you re trying to find a private student loan without a co-signer and credit check, you may have a hard time. If you succeed, expect the rate to be high.

    Are there any loans for students that do not require co-signers?

    Parents and guardians can apply for student loans without co-signers. The Parent PLUS Loan allows parents and guardians to apply on behalf of their children. The application procedure for this loan requires that the student fill out the FAFSA application form.

    What are the different types of student loans with no co-signer?

    Student loans with no co-signer are hard to come by outside of federal loans. Only federal loans commonly do not require a co-signer; nearly all other private funding sources require you to have a co-signer. Certain examples of student loans with no co-signer include Perkins loans, Direct loans, and PLUS loans.



    Personal Loans, TD Bank, private personal loans.#Private #personal #loans


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    When you borrow against your TD Bank savings account, money market savings account or CD, you can keep growing your savings while you use a loan for the things you need now.

    Private personal loansApply at your local TD Bank

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    UK residents only. Subject to status & eligibility. 18+. Rates depend on loan amount & individual circumstances. Rates are the same online, in branch and via telephone.

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    Let’s make your plans a reality

    An extra financial boost can help you to extend your house, redecorate or pay for a family event. Paying these large amounts at one time can be difficult, but with a Clydesdale Bank personal loan you can pay back over a set period.

    With a Clydesdale Bank fixed rate personal loan you can borrow anything from 1,000 to 35,000 and repay in monthly fixed payments over 1 to 5 years*. All loans subject to status and eligibility.

    20.9% APR representative on loans from £1,000 – £2,999

    23 monthly repayments of £50.48

    and a final payment of £50.29

    All loans subject to status. The rate offered may differ from the Representative APR shown. Maximum APR offered is 29.9%.

    16.9% APR representative on loans from £3,000 – £4,999

    35 monthly repayments of £105.06

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    All loans subject to status. The rate offered may differ from the Representative APR shown. Maximum APR offered is 29.9%.

    3.3% APR representative on loans from £5,000 – £7,499

    35 monthly repayments of £145.97

    and a final payment of £145.61

    All loans subject to status. The rate offered may differ from the Representative APR shown. Maximum APR offered is 29.9%.

    2.9% APR representative on loans from £7,500 – £15,000

    47 monthly repayments of £275.92

    and a final payment of £275.83

    All loans subject to status. The rate offered may differ from the Representative APR shown. Maximum APR offered is 29.9%.

    2.9% APR representative on loans from £15,001 – £25,000

    47 monthly repayments of £441.47

    and a final payment of £441.43

    All loans subject to status. The rate offered may differ from the Representative APR shown. Maximum APR offered is 29.9%.

    6.9% APR representative on loans from £25,001 – £35,000

    59 monthly repayments of £589.68

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    All loans subject to status. The rate offered may differ from the Representative APR shown. Maximum APR offered is 12.9%.

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    Important details

    All loans are subject to status. The interest rate offered will vary depending on our assessment of your financial circumstances and your chosen loan amount. The rate offered may differ from the Representative APR shown.

    * Loans may be granted over terms of 6 or 7 years if the loan amount is £7,500 or more and, if the purpose of the loan is to repay existing lending with us, the additional amount borrowed must be of greater value than the existing lending that is to be repaid.

    ** You can repay your loan in full and part at any time and we’ll reduce the total charge for credit payable under the agreement. When calculating this reduction we will charge up to an additional 58 days’ interest on the amount you repay. You will need to contact our customer services team to inform us of your intention each time you wish to make an additional payment. Our team will be able to provide you with options on how to make this payment.

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    Loan Calculator

    Use our loan calculator to calculate how much your monthly repayments could be on your chosen loan amount

    To apply for a loan you must be aged 18 or over.



    Private Student Loans for Undergraduate and Graduate Students, SunTrust Student Loans, private student loans.#Private #student #loans


    private student loans

    • Private student loans

    Having trouble repaying student loans?

    Consider these simple solutions that may help.

  • Private student loans

    Scholarship Sweepstakes

    High school seniors and current college students can enter for a chance to win a $500 scholarship! No purchase necessary. Terms apply.

  • Private student loans

    Servicemembers Civil Relief Act (SCRA)

    What protections are available for Servicemembers.

    Education Center

    Paying for college can be a challenge. SunTrust can help navigate the options.

    Before you look into paying for your college expenses, it’s important to know how much money you’ll need. Our money management resources, tools, and budgeting tips can help.

    Use our college tuition guide and step-by-step guide to paying for college for planning advice on how to avoid getting too over-burdened with debt before you’ve earned a degree.

    Before you get a loan, we encourage you to try getting scholarships and grants first. Our list of online resources can help. You can also register for the SunTrust Off to College Scholarship Sweepstakes (see Official Rules for details).

    Tools and Calculators

    • Contact

    SunTrust Education Lending | 1001 Semmes Avenue, Mail Code: RVW 7076 | Richmond, VA 23224

    SunTrust Bank, Member FDIC. 2017 SunTrust Banks, Inc.

    SunTrust and Custom Choice Loan are federally registered service marks of SunTrust Banks, Inc.

    SunTrust recommends comparing all aid alternatives including grants, scholarships, and federal student loans, prior to applying for a private student loan. Before selecting a private student loan, compare options offered by SunTrust.

    Union Federal is a federally registered trademark of Cognition Financial Corporation used by SunTrust Bank under license. The Union Federal Private Student Loan is funded by SunTrust Bank and is not affiliated with any other lender. Certain restrictions and limitations may apply. SunTrust Bank reserves the right to change or discontinue this program without notice. This loan program is subject to approval under the SunTrust credit policy and other criteria and may not be available in certain jurisdictions. SunTrust is a federally registered service mark of SunTrust Banks, Inc. Cognition Financial Corporation is not an affiliate of SunTrust Bank.

    1 Interest rate reductions offered for automatic payment from a bank account: 0.25% interest rate reduction for ACH payment from any bank account and an extra 0.25% interest rate reduction when ACH payments are made from a SunTrust Bank account. ACH interest rate reduction(s) apply when full payments (including both principal and interest) are automatically drafted from a bank account. Interest rate reduction(s) will remain on the account unless (1) the automatic deduction of payments is stopped (including times during deferment or forbearance) or (2) there are three automatic deductions returned for insufficient funds within the life of the loan. The additional SunTrust Bank account ACH interest rate reduction is available for loans first disbursed on or after 6/1/11 and will be applied after the first automatic payment is successfully deducted from a SunTrust Bank checking, savings or money market account and will be removed for the reasons stated above or if you close your SunTrust Bank account. In the event the benefit(s) is removed, the interest rate stated in the Credit Agreement shall be applied in accordance with the terms of the Credit Agreement.



  • Private Student Loans for Undergraduate and Graduate Students, SunTrust Student Loans, private student loans.#Private #student #loans


    private student loans

    • Private student loans

    Having trouble repaying student loans?

    Consider these simple solutions that may help.

  • Private student loans

    Scholarship Sweepstakes

    High school seniors and current college students can enter for a chance to win a $500 scholarship! No purchase necessary. Terms apply.

  • Private student loans

    Servicemembers Civil Relief Act (SCRA)

    What protections are available for Servicemembers.

    Education Center

    Paying for college can be a challenge. SunTrust can help navigate the options.

    Before you look into paying for your college expenses, it’s important to know how much money you’ll need. Our money management resources, tools, and budgeting tips can help.

    Use our college tuition guide and step-by-step guide to paying for college for planning advice on how to avoid getting too over-burdened with debt before you’ve earned a degree.

    Before you get a loan, we encourage you to try getting scholarships and grants first. Our list of online resources can help. You can also register for the SunTrust Off to College Scholarship Sweepstakes (see Official Rules for details).

    Tools and Calculators

    • Contact

    SunTrust Education Lending | 1001 Semmes Avenue, Mail Code: RVW 7076 | Richmond, VA 23224

    SunTrust Bank, Member FDIC. 2017 SunTrust Banks, Inc.

    SunTrust and Custom Choice Loan are federally registered service marks of SunTrust Banks, Inc.

    SunTrust recommends comparing all aid alternatives including grants, scholarships, and federal student loans, prior to applying for a private student loan. Before selecting a private student loan, compare options offered by SunTrust.

    Union Federal is a federally registered trademark of Cognition Financial Corporation used by SunTrust Bank under license. The Union Federal Private Student Loan is funded by SunTrust Bank and is not affiliated with any other lender. Certain restrictions and limitations may apply. SunTrust Bank reserves the right to change or discontinue this program without notice. This loan program is subject to approval under the SunTrust credit policy and other criteria and may not be available in certain jurisdictions. SunTrust is a federally registered service mark of SunTrust Banks, Inc. Cognition Financial Corporation is not an affiliate of SunTrust Bank.

    1 Interest rate reductions offered for automatic payment from a bank account: 0.25% interest rate reduction for ACH payment from any bank account and an extra 0.25% interest rate reduction when ACH payments are made from a SunTrust Bank account. ACH interest rate reduction(s) apply when full payments (including both principal and interest) are automatically drafted from a bank account. Interest rate reduction(s) will remain on the account unless (1) the automatic deduction of payments is stopped (including times during deferment or forbearance) or (2) there are three automatic deductions returned for insufficient funds within the life of the loan. The additional SunTrust Bank account ACH interest rate reduction is available for loans first disbursed on or after 6/1/11 and will be applied after the first automatic payment is successfully deducted from a SunTrust Bank checking, savings or money market account and will be removed for the reasons stated above or if you close your SunTrust Bank account. In the event the benefit(s) is removed, the interest rate stated in the Credit Agreement shall be applied in accordance with the terms of the Credit Agreement.



  • Student Loan Consolidation: Should I Consolidate My Student Loans, SoFi, private student loan consolidation.#Private #student #loan #consolidation


    How and When to Combine Federal Student Loans Private Loans

    Got student loans? We ve got you covered with our Student Loan Smarts blog series. Our expert tips and hacks will help you save money, pay off loans sooner and stress less about student loan debt. Read the other posts in the series here—and get all the info you need to make intelligent decisions about your student loans. And while you re at it, check out SoFi s new Student Loan Debt Navigator tool to assess your student loan repayment options.

    One of the biggest student loan myths out there is that borrowers can’t consolidate federal student loans and private student loans into one loan. It’s understandable why people think that, since this wasn’t an option for many years. But now that the choice is available, it’s important to understand whether federal and private loan consolidation is right for you – especially when there’s the potential for significant cost savings on the line.

    Can I Consolidate Federal and Private Student Loans?

    While it’s not possible to use the federal Direct loan consolidation program to combine your federal student loans with private loans, it is possible to combine private and federal student loans by refinancing them with a private lender. Through this process, you actually apply for a new loan (which is used to pay off your original loans) and you’re given a new—ideally lower—interest rate.

    Why would you want to do this? In addition to the advantages of loan consolidation (like having one, simplified monthly payment), refinancing student loans at a lower interest rate can mean big benefits, like lowering monthly payments or reducing the time it takes to pay off your debt, and cutting down on the total interest you pay over time.

    When to Consolidate Federal Student Loans Private Loans

    Before you refinance federal student loans, there are a couple of things to think about. Here’s an easy decision tree to help you understand whether refinancing federal loans is right for you:

    Should I Refinance My Federal Student Loans?

    Private student loan consolidation

    Federal Student Loan Interest Rates, Revealed

    Some people assume that federal loans always offer the best rates, but this just isn’t true.

    Depending on loan type and disbursement date, your federal student loan rate could range from about 3% to 8%. With prevailing interest rates at historic lows, some private lenders offer rates that are significantly better than a high-rate federal loan. This is particularly true for grad school borrowers who use unsubsidized Direct loans and Graduate PLUS loans to finance their education.

    So how important is interest rate, really? Let’s compare a 10-year term, $80,000 loan at 6.84% (the current fixed rate on Grad PLUS loans) and 5.68% (the average 10-year fixed interest rate for SoFi refinance borrowers in 2015).*

    In this example, refinancing would mean both lower monthly payments and a total savings of more than $5,600.

    Understanding Federal Student Loan Benefits

    Some federal student loans offer benefits and protections that do not transfer to private lenders. This is often the reason that people cite when they say you shouldn’t combine federal and private loans. But before you dismiss the idea of refinancing, you should first take a look to see if any of these benefits apply to you.

    For example, under the Public Service Loan Forgiveness Program (PSLFP), your Direct Loan balance may be eligible for forgiveness after 120 payments if you’ve worked in the public sector that entire time. Similarly, the Teacher Loan Forgiveness Program is available for teachers who work in schools that serve low-income families full-time for five consecutive years. These are clearly great programs for people who choose careers in public service or education, but if that’s not you, they won’t do you any good.

    There are also a number of federal loan repayment plans that can ease the burden for borrowers facing tough economic times. For example, the government’s Pay As You Earn (PAYE) and Income-Based Repayment (IBR) programs allow borrowers to make reduced monthly payments based on financial hardship. But if your income is over a certain threshold, you won’t benefit from these programs. And if you do qualify, but you’re at the high end of the spectrum, your slightly lowered payments may come at a disproportionate price in the form of accumulating interest.

    It’s important to note that some private lenders offer their own benefits and protections. At SoFi, for example, if you lose your job, we’ll not only pause your payments, we’ll help you find a new one .

    Federal Loan Refinance Recap

    Combining federal student loans and private loans through the refinancing process won’t make sense for every borrower, but it provides great benefits for some. Now that you know it’s an option and you understand how it works, you can better assess whether it’s right for you.

    * Click here to see student loan refinance examples that depict APR, monthly payment and total finance charges.

    Editor’s Note: This is an updated version of a post we originally published in December 2013. We welcome new comments and questions below.

    Private student loan consolidationPrivate student loan consolidation



    Private Student Loans for Undergraduate and Graduate Students, SunTrust Student Loans, student private loans.#Student #private #loans


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    • Student private loans

    Having trouble repaying student loans?

    Consider these simple solutions that may help.

  • Student private loans

    Scholarship Sweepstakes

    High school seniors and current college students can enter for a chance to win a $500 scholarship! No purchase necessary. Terms apply.

  • Student private loans

    Servicemembers Civil Relief Act (SCRA)

    What protections are available for Servicemembers.

    Education Center

    Paying for college can be a challenge. SunTrust can help navigate the options.

    Before you look into paying for your college expenses, it’s important to know how much money you’ll need. Our money management resources, tools, and budgeting tips can help.

    Use our college tuition guide and step-by-step guide to paying for college for planning advice on how to avoid getting too over-burdened with debt before you’ve earned a degree.

    Before you get a loan, we encourage you to try getting scholarships and grants first. Our list of online resources can help. You can also register for the SunTrust Off to College Scholarship Sweepstakes (see Official Rules for details).

    Tools and Calculators

    • Contact

    SunTrust Education Lending | 1001 Semmes Avenue, Mail Code: RVW 7076 | Richmond, VA 23224

    SunTrust Bank, Member FDIC. 2017 SunTrust Banks, Inc.

    SunTrust and Custom Choice Loan are federally registered service marks of SunTrust Banks, Inc.

    SunTrust recommends comparing all aid alternatives including grants, scholarships, and federal student loans, prior to applying for a private student loan. Before selecting a private student loan, compare options offered by SunTrust.

    Union Federal is a federally registered trademark of Cognition Financial Corporation used by SunTrust Bank under license. The Union Federal Private Student Loan is funded by SunTrust Bank and is not affiliated with any other lender. Certain restrictions and limitations may apply. SunTrust Bank reserves the right to change or discontinue this program without notice. This loan program is subject to approval under the SunTrust credit policy and other criteria and may not be available in certain jurisdictions. SunTrust is a federally registered service mark of SunTrust Banks, Inc. Cognition Financial Corporation is not an affiliate of SunTrust Bank.

    1 Interest rate reductions offered for automatic payment from a bank account: 0.25% interest rate reduction for ACH payment from any bank account and an extra 0.25% interest rate reduction when ACH payments are made from a SunTrust Bank account. ACH interest rate reduction(s) apply when full payments (including both principal and interest) are automatically drafted from a bank account. Interest rate reduction(s) will remain on the account unless (1) the automatic deduction of payments is stopped (including times during deferment or forbearance) or (2) there are three automatic deductions returned for insufficient funds within the life of the loan. The additional SunTrust Bank account ACH interest rate reduction is available for loans first disbursed on or after 6/1/11 and will be applied after the first automatic payment is successfully deducted from a SunTrust Bank checking, savings or money market account and will be removed for the reasons stated above or if you close your SunTrust Bank account. In the event the benefit(s) is removed, the interest rate stated in the Credit Agreement shall be applied in accordance with the terms of the Credit Agreement.



  • Thousands of private student loan borrowers will get debt relief – Sep, private student loan.#Private #student #loan


    Thousands of private student loan borrowers will get debt relief

    Private student loan

    The nightmare is almost over for thousands of people who faced illegal student debt collections lawsuits.

    The Consumer Financial Protection Bureau took action Monday against National Collegiate Student Loan Trusts, which owns more than 800,000 private student loans.

    The trusts must refund at least $3.5 million to about 2,000 harmed consumers. Those borrowers made payments after being sued illegally, the CFPB said.

    In most cases the trusts did not have the paperwork to prove the borrower had owned the loan. In other instances, the statute of limitations (which varies by state) had expired.

    The trusts purchased and securitized these loans from banks between 2001 and 2007. It initiated more than 94,000 collections lawsuits against defaulted borrowers between 2012 and 2016, according to the complaint.

    More borrowers could eventually receive debt relief. The trusts must conduct an audit of all 800,000 loans in its portfolio to see if it lacks the paperwork needed to prove ownership of other loans. If documentation is missing, the trusts must stop collection on those loans, according to the proposed settlement, which still needs court approval.

    “The National Collegiate Student Loan Trusts and their debt collector sued consumers for student loans they couldn’t prove were owed and filed false and misleading affidavits in courts across the country,” said CFPB Director Richard Cordray in a statement.

    The trusts agreed to pay a total of about $19 million in refunds and penalties. It will have to pay more money if the audit finds that more borrowers are due relief.

    Its debt collector, Transworld Systems, must pay an additional $2.5 million penalty, according to the proposed agreement.

    Consumers don’t need to take any action at this time and will be notified directly if they are eligible for debt relief, the CFPB said.

    Anyone who has other complaints regarding the National Collegiate Student Loan Trusts can file a complaint with the CFPB here.



    Home, Australian Council for Private Education and Training, private education loans.#Private #education #loans


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    Keep your skills up to date with ACPET’s Professional Development program

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    Toll Free: 1800 657 644

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    VET Breaking News ACPET and the Industry. Read more

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    Validation of assessment much more than. Read more

    ACPET and Velg Training collaborate to deliver a successful 2017 National VET PD Week

    Velg Training in collaboration with The Australian. Read more

    Download presentations here

    Conference attendees can now download the presentations from the 2017 ACPET National Conference.

    All webinars and workshops are now open for registration.

    Take a look at the PD Calendar for November 2017.

    View our large range of webinar topics in the Webinar Library.

    If you are a student and have been a part of a college closure or an RTO wishing to suppoort students who have been affected by one, please visit our activations website.

    ACPET represents the private education and training sector in Australia and provides a range of quality services to members.



    Hard Money Equity Loans, Private Money Lenders, Bad Credit Cash, private loan lenders.#Private #loan #lenders


    Hard Money Equity Loans

    Bad credit borrowers should consider hard money loans with our private money lenders that offer mortgage refinancing, cash out and consolidation. Sometimes in life situations arise that we cannot control, and bills aren’t paid on time and credit scores drop when you need them most. With BD Nationwide we enable you to talk directly to trusted hard money lenders so that you will get the “straight scoop.

    If you have several reported late payments on your mortgage, then most conventional lenders will not approve you for cash out refinance or equity loan. Hard money equity loans are needed when credit scores drop in the low 500 range. Whether you need a non-prime loan or hard money lending, we can help you find private money lenders that provide several alternative financing solutions.

    Private loan lenders

    Shop Home Equity Companies Offering Private and Hard Money Loans for All Types of Credit

    We will help you meet private money lenders that offer hard money loans and credit lines with short-term or extended term financing for investment, home construction, debt consolidation and bad credit refinancing. Choose from spec loans, lot loans bridge loans and many more non-conforming programs as well. Talk to hard money lenders that have bad credit solutions for qualified borrowers.

    According to the Administrative Office of the Courts, 2,078,415 bankruptcies were filed last year–the largest number of bankruptcy petitions in the history of the federal courts.

    Private loan lenders

    See New Cash Out and Hard Money Loan Opportunities:

    Many banks talk about offering equity loans for cash back but unless you have high credit scores it’s usually a long shot. That’s why hard money equity loans make a lot more sense for people who do not have great credit scores, Hard money loans have helped millions of people realize their financial goals by helping them tap their equity with cash out.

    However, hard money is not for everyone. You’ll have enough equity to qualify for a hard money refinance, and not everyone will be able to do so. There are a few things that will factor into qualifying for these types of loans, including things like your income, debt to income ratio, credit history, and more. For a hard money equity loan, the most important factor of course is your home equity. Learn more on home equity loans with bad credit.

    Tips and Advice from Hard Money Lenders and Private Mortgage Sources

    Borrowing money from private sources has become very common these days for people who want to invest in real estate. It is still difficult to get regular banks to lend money on investment properties, even for experienced investors. If you are considering a hard money loan, below is an overview and some tips and advice.

    Hard Money Loan Overview

    A hard money loan is an alternative to a traditional bank loan that investors and some home buyers choose when they cannot qualify for a loan from a commercial lender. Some people also prefer to get a hard money loan instead of a regular loan because they have different needs than regular lenders can provide.

    Payment terms are usually higher priced than regular bank loans because hard money loans are a higher risk investment for the lender.

    The biggest difference between a hard money loan and a bank loan is that the loan is based entirely on the value of the property. Your personal credit history is not a major factor. Because the loan is not greatly based upon credit history, you will pay a much higher interest rate on a hard money loan. But if you have a profitable asset that you want to fix up and resell, getting a hard money loan could be a great option.

    If you are looking for a short-term loan, such as doing a fix and flip property, a subprime loan from a hard money lender is often ideal. After all, you are not holding the loan for more than a few months. But if you have a property that you plan to hold for a long period of time, a hard money loan can quickly become too expensive to be profitable. Shop mortgages with bad credit.

    Private loan lenders

    Some of the Advantages of Getting a Hard Money Loan include:

    • Speed: The biggest plus of getting this type of loan is that you can get the money quickly. If you are an investor and you see a hot property, you know how it works: If you cannot close on that deal in a week or two, it could be gone. Some private money lenders can get your loan approved in 24 hours. People looking for a hard money line of credit in 1st or 2nd position will have more success getting quick cash than borrowers searching for a 3rd mortgage.
    • More collateral options: Hard money lenders can take different sorts of collateral. They will want to see that you have sufficient income from other sources to pay the loan usually, but they also may accept that you have other properties in your portfolio that serve as collateral if you default. They also may be able to accept your retirement savings or personal residence.
    • Low credit requirements: There are some hard money lenders that will want to see a decent credit score to loan you money, but others don’t care. The main thing that matters is having an asset that is worth something and that will have additional value when it is fixed up.
    • Hard money lenders understand investors: These lenders work with investors in real estate every day and understand what you are doing. If you have a property that can make them money, they probably will loan on it even if your credit is poor. Many regular banks are leery of investors.

    Some Disadvantages of Hard Money Loans:

    • Higher interest rate: The interest rate on a hard money loan can be 15%. That is extremely high, but remember, you are probably not borrowing the money for more than three to six months. But you can run into problems if you need to borrow the money for a year or longer. You could find yourself losing money by holding the property.
    • Short term: Most hard money loans range from three months to a year. Hard money loan costs can be hard to handle when you are working on the property and have no cash flow or profit from it.
    • Certain properties only: Many hard money lenders are picky on the properties they will loan on. They all have different lending criteria, and some will be really strict. They want to be sure the property is worth having if you default.

    Tips for Hard Money Loans:

    • Find a profitable property. No hard money lender will loan on a property that is going to lose money.
    • Have an exit strategy planned to show the private money lender. Most hard money borrowers are fixing and flipping properties. Show the lender what you are doing to the property and how much money it will make. Be specific.
    • Build up your cash reserves. Hard money lenders like to work with experienced investors who have a track record of success. If you are new, that’s fine, but you can increase your chances of getting approved by having substantial cash reserves and collateral.
    • Raise your credit score: While many lenders will loan to people with bad credit, you still should try to raise your score, as you may get a lower rate.
    • If you are new to investing, consider partnering with an experienced hard money broker or lender with a portfolio of properties. He can help you to get the loan and work with you to fix up the home profitably.

    Do you need cash but currently have credit scores below 500?

    Are you seeking some debt relief with lower payments from eliminating compounding interest?

    BD Nationwide Mortgage provides solid insight on home equity solutions to savvy borrowers looking to consolidate loans and pay off revolving credit cards. If you have earned some equity in your home and want to reduce some high interest debt it is worth looking into a subprime mortgage, even if you have below-average credit scores.



    HardMoney Lenders, Rehab Hard Money Loans, Real Estate Investor Loans, private loan lenders.#Private #loan #lenders


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    When it comes to private hard money funding now you can learn what successful real estate investors are doing in today’s real estate market–

    “My partners in N.C swears by your product and I can’t wait to begin having my deals funded as well. Like you said Gary -all the heavy lifting has been done for us! All of your products will be added to my archives, but this is the primary piece to the foundation of my operation. Add me to the list of your satisfied customers as well.” -B.G

    “I like what the program offers, I have used the blueprint principles to put packages together, with success. ” -M.C.

    “The three sources I ordered from you and your continuous informational daily emails have been of an invaluable help to my real estate investing success. Thank you so much.” -P.M.

    “Yes I did get funded thank you for the help!” -C.C.

    “I have a great lender that I got through your program. We have a great relationship and I’m getting properties. with 0 down no payment for 120 days @ 11% land contract 3 year pay off. Thank you very much.” -R.V.

    Just one funded deal could make all the difference. That’s why it is so important to know the lender programs so investors can match deals with the right private hardmoney lender programs. It is critical to being able to establish a relationship with these lenders if it is your desire to get more deals funded and closed.

    Why waste your time searching for funding when WE CAN SHOW YOU HOW IT’S DONE?

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    HERE’S A REHAB HARD MONEY LOAN EXAMPLE:

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    Private Money Lenders For Real Estate, private loan lenders.#Private #loan #lenders


    Private Money Lenders For Real Estate Private loan lenders

    Finding private money loans is tricky and difficult to do on your own. The person that helps you get the money you want to borrow from private investors is a private money lender. (In the banking world this individual is commonly called a loan officer.) The Private Money Lending Guide includes a directory of private money lenders for real estate who can help you get a private money loan.

    In addition to helping you find a private money lender, The Private Money Lending Guide is a comprehensive, online resource for borrowers interested in educating themselves about the world of private money loans and lending.

    Private loan lenders

    Use our #1 Private Money Lender Directory

    Use our nationwide directory to find a Private Money Lender to find a private money lender to contact. You can search for a lender by:

    • location
    • loan type
    • keyword (e.g. construction loan or rehab loan)

    Contact a Private Money Lender

    Contact one or more of the private money lenders and present your loan scenario. Then interview the lenders and find someone with whom you feel comfortable.

    Private loan lenders

    Frequently Asked Questions about Finding Private Money Lenders:

    How does the Private Money Lending Guide help me find private money lenders for real estate?

    What is the best way to find a private money real estate loan?

    Private loan lenders

    How do I find a private money lender for real estate?

    How do I apply for a private money loan for real estate?

    Where do I gain access to a list of real estate private money lenders?

    Private loan lenders

    Disclaimer and Limitations of Use

    Private loan lenders



    Private loan, private loan.#Private #loan


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    Private loan

    Private loan

    Exhaust all federal grant and loans available to you before considering a private (alternative) loan. You may qualify for loans or other assistance under title IV of the HEA (Pell Grants, Stafford, Perkins, FSEOG grants and PLUS loans) and the terms and conditions of title IV, HEA program loans may be more favorable than the provisions of private education loans . Student Lending Analytics has developed a list of private loan options for undergraduates to serve schools and their students who need a focused and neutral resource for help in finding a private student loan.

    SLA is an independent research and advisory firm that has NO affiliations with any student lenders. SLA HAS RECEIVED NO CONSIDERATION FROM ANY LENDERS FOR PLACEMENT ON THIS LIST. Placement on this list DOES NOT in any way constitute an endorsement from SLA NOR should it be construed as a preferred lender list. You are free to borrow from any lender of your choice. While SLA has made every effort to confirm each of the lender loan terms described below through website research and multiple calls to lender customer service representatives, it cannot guarantee its accuracy. Furthermore, not all the lenders listed below lend to all students at all schools. The borrower should confirm any and all loan terms with the lender PRIOR to accepting the loan. Each lender s position on the list is randomly determined and will change each time this page is refreshed. SLA will update this page as necessary and will provide a date of last update at the top of the page. The information provided below is subject to change without notice.



    Private Lenders For Personal Loans – Apply Online NOW – Instant Decision – Bad Credit OK, private personal loans.#Private #personal #loans


    private personal loans

    Private Lenders For Personal Loans

    Are you struggling to find a bank or lender that will give you a personal loan? Do you need private lenders for personal loans that can help you even though you might not have perfect credit? Typically it takes very good credit to get a personal loan from a bank, but there are other options. Here is a look at one of the best places to get a private personal loan from.

    The difference in interest is related to the risk that your private lender will assume when loaning you money. The secured version of the personal loan from a private lender is by far the cheapest alternative. To secure your loan, you will place an item of value, such as your home or automobile, up for collateral. This means that if you fail to repay your private lender for the amount of money loaned to you in your private lender personal loan, the lender can foreclose upon your home or reposess your vehicle to be reimbursed for what you owe them.

    The benefits of this type of loan are that they can usually be secured the same or next day, there is no credit check and you can apply for them privately over the Internet. You will have to fill in an on line application form and provide evidence that you are in work and how much you earn per month, but that is normally all that is required particularly if you apply to a no faxing, low monthly payment lender.

    Private lenders or the conventional lenders?

    When a borrower has an exceptional credit history,the loans can be easily obtained from the banks which will actually be the best loan offer to you. I call it the best since the interest rates will be very low and the lenders would also have a lot of credibility. Hence, there is absolutely no better lending place than a bank if your credit score is good. You ought to resort to loans from the banks in such circumstances. But what if the borrower does not have a decent credit or has not yet established a credit history?

    Get private loans at lowest rates and with instant approval:

    Getting the approval from the private lender is no big deal. But what really matters is whether you are approved for the lowest rates or for higher rates. Suppose you do not have a good credit history, getting the loan at lower rate would only be a dream. The credit plays a very important role in these private loan approvals just like the other loans. Hence if your credit history is not good, getting a cosigner will be very helpful. You can select anyone as cosigner but the person should have a good credit and a stable income. In short, cosigner has to accept the responsibility of repaying the lender if the borrower defaults on the loan. Since there are lot of private lenders,you will find it very hard to pick the best out of them. Some web sites compare the terms and annual percentage rates of several popular lenders.

    Get loans without cosigners:

    If you do not have a fair credit score,it is better to increase the score or to get a cosigner. These cosigners will give you a huge advantage over other borrowers. But if you do not know anyone who could act as a cosigner, it is better to do the credit repair. Remember that your parent can also act as a cosigner for your loan approval.

    Private personal loans



    Private Student Loans, FinAid, Loans, student private loans.#Student #private #loans


    Private Student Loans

    Private student loan volume grows when federal student loan limits remain stagnant.

    Private student loan volume grew much more rapidly than federal student loan volume through mid-2008, in part because aggregate loan limits on the Stafford loan remained unchanged from 1992 to 2008. (The introduction of the Grad PLUS loan on July 1, 2006 and the increases in the annual but not aggregate limits had only a modest impact on the growth of private student loan volume. The subprime mortgage credit crisis of 2007-2010, however, limited lender access to the capital needed to make new loans, reining in growth of the private student loan marketplace.) The annual increase in private student loan volume was about 25% to 35% per year, compared with 8% per year for federal loan volume.

    In addition to these lists of private student loan programs, there are several web sites that provide tools for comparing private student loans. These tools can help you identify the loans that match your criteria. These student loan comparison sites include Credible and other student loan comparison sites.

    Then the Ensuring Continued Access to Student Loans Act of 2008 increased the annual and aggregate loan limits on the federal Stafford loan starting July 1, 2008. This shifted significant loan volume from private student loan programs to federal. Private student loan volume dropped in half in 2008-09, according to the College Board’s Trends in Student Aid 2009.

    Private student loan volume is expected to return to the 25% annual growth rate unless there is another increase in federal loan limits or an expansion of the availability of federal student loans. For example, the proposal for expanding Perkins loan funding from $1 billion a year to $8.5 billion a year will cause a significant decline in private student loan volume. But so long as federal loan limits do not increase every year, private student loan volume will continue to grow at double-digit rates.

    If current trends continue, annual private education loan volume will surpass federal student loan volume by around 2030. Accordingly, it is important that students have tools they can use to compare different private student loans.

    As a general rule, students should only consider obtaining a private education loan if they have maxed out the Federal Stafford Loan. They should also file the Free Application for Federal Student Aid (FAFSA), which may qualify them for grants, work-study and other forms of student aid. Undergraduate students should also compare costs with the Federal PLUS Loan, as the PLUS loan is usually much less expensive and has better repayment terms.

    The fees charged by some lenders can significantly increase the cost of the loan. A loan with a relatively low interest rate but high fees can ultimately cost more than a loan with a somewhat higher interest rate and no fees. (The lenders that do not charge fees often roll the difference into the interest rate.) A good rule of thumb is that 3% to 4% in fees is about the same as a 1% higher interest rate.

    Be wary of comparing loans with different repayment terms according to APR, as a longer loan term reduces the APR despite increasing the total amount of interest paid. FinAid’s Loan Analyzer Calculator may be used to generate an apples-to-apples comparison of different loan programs.

    The best private student loans will have interest rates of LIBOR + 2.0% or PRIME – 0.50% with no fees. Such loans will be competitive with the Federal PLUS Loan. Unfortunately, these rates often will be available only to borrowers with great credit who also have a creditworthy cosigner. It is unclear how many borrowers qualify for the best rates, although the top credit tier typically encompasses about 20% of borrowers.

    Generally, borrowers should prefer loans that are pegged to the LIBOR index over loans that are pegged to the Prime Lending Rate, all else being equal, as the spread between the Prime Lending Rate and LIBOR has been increasing over time. Over the long term a loan with interest rates based on LIBOR will be less expensive than a loan based on the Prime Lending Rate. About half of lenders peg their private student loans to the LIBOR index and about 2/5 to the Prime lending rate.

    Some lenders use the LIBOR rate because it reflects their cost of capital. Other lenders use the Prime Lending Rate because PRIME + 0.0% sounds better to consumers than LIBOR + 2.80% even when the rates are the same.

    It is not uncommon for lenders to advertise a lower rate for the in-school and grace period, with a higher rate in effect when the loan enters repayment.

    Federal student loans are not available for expenses incurred by law, medical and dental students after they graduate, such as expenses associated with study for the bar or finding a residency. There are two types of private student loans for these expenses:

    • A Bar Study Loan helps finance bar exam costs such as bar review course fees, bar exam fees, as well as living expenses while you are studying for the bar.
    • A Residency and Relocation Loan helps medical and dental students with the expenses associated with finding a residency, including interview travel expenses and relocation costs, as well as board exam expenses.

    Comparing Private Student Loans

    Key information to understand student loans includes being aware of the annual and cumulative loan limits, interest rates, fees, and loan term for the most popular private student loan programs. Often the interest rates, fees and loan limits depend on the credit history of the borrower and co-signer, if any, and on loan options chosen by the borrower such as in-school deferment and repayment schedule. Loan term often depends on the total amount of debt.

    Most lenders that require school certification (approval) will cap the annual loan amount at cost of education less aid received (COA-Aid). They may also have an annual dollar limit as well.

    Lenders rarely give complete details of the terms of the private student loan until after the student submits an application, in part because this helps prevent comparisons based on cost. For example, many lenders will only advertise the lowest interest rate they charge (for good credit borrowers). Borrowers with bad credit can expect interest rates that are as much as 6% higher, loan fees that are as much as 9% higher, and loan limits that are two-thirds lower than the advertised figures.

    The APRs for variable rate loans, if listed, are only the current APRs and are likely to change over the term of the loan. Borrowers should be careful about comparing loans based on the APR, as the APR may be calculated under different assumptions, such as a different number of years in repayment. All else being equal, a longer repayment term will have a lower APR even though the borrower will pay more in interest.

    The information presented below is based on lender provided information. Actual rates and fees may differ.



    Private Bad Credit Student Loans ~, private education loans.#Private #education #loans


    Alternative Financing With Bad Credit Student Loans

    Whether you like it or not, your credit history takes center stage when it s time to plan your financial aid strategy. If you are a high school student, this may be the first time you ve had to consider the importance of having good credit.

    Understanding credit fundamentals helps you determine your best options for getting much-needed financial-aid, so let s examine the basics.

    Every credit related interaction you engage in has an outcome that affects your credit rating . If you borrow money and pay it back on schedule, your rating will be the better for it. If you have even one late payment, a negative entry serves to lower your rating.

    Your credit score is the summation of all the credit outcomes you have created over the course of your borrowing history. Credit bureaus are tasked with assigning numbers, or scores, to your overall performance. As you apply for certain student aid, your credit score is used by lenders to determine your worthiness for loans.

    Private education loans

    You have specific rights related to credit reporting, as outlined by The Fair Credit Reporting Act (FCRA). Three specific protections ensure that credit applications are handled without bias:

    1. If information contained in your credit report has been used to withhold a loan, the lender is obligated to tell you that it has.
    2. You have a specific right to know what is contained in your credit report.
    3. You have the right to challenge any information contained in your credit report that is not accurate or is incomplete.

    The Fair and Accurate Credit Transaction Act (FACTA) is a legal provision granting you the right to receive free copies of your credit reports from each of the three national credit bureaus, once a year. Get your free report, so you know exactly where you stand – requests are submitted annually to www.annualcreditreport.com. (Remember: you get ONE free report from each one, every year – use it wisely, from the perspective of timing).

    What s wrong with my credit?

    Experian, Equifax, and Transunion are the three primary credit bureaus that analyze your credit history. While responsible credit behavior is always going to impact your credit rating positively, it is not the only metric used to assign your credit score. Some of the criteria used to derive credit scores are inherently biased against college students.

    Credit bureaus want to see longevity and diversity in your credit history. If you are emerging from high school enroute to college, you might not be strong in either area. Three types of credit are examined:

    • Revolving Credit – YourMasterCard or Visa payment record illuminates your ability to manage a revolving account that carries balances across billing periods, and requires timely payments each month.
    • Installment Credit – Loans with fixed payments that are paid back over designated periods of time fall into this category. Mortgages provide the best installment credit references for lenders, because the loans are large and long-held. You probably didn t buy a house during high school, but your steady car loan payments are also installment credit successes.
    • Open Credit – An American Express card is a good example of an open credit line that must be paid in-full each month.

    So even if your credit outcomes have been positive, your limited history might not be sufficient to establish a high credit score. To access funds reserved for people with high credit scores, add a longer frame of reference to your credit application- take on a cosigner.

    Use cosigners to your advantage—to help build your credit. Once you ve made 48 consecutive on-time payments, it s common for your lender to release the cosigner fromthe loan. The student loan you needed a cosigner to secure, now acts as an installment credit success, to raiseyour own credit score.

    If you cannot find someone willing to lend their favorable credit rating to your college funding cause, focus instead on forms of financial aid that don t rely on your past credit performance.

    Federal Student Loans: Perfect Bad Credit Loans

    Federal student loans provideyour best borrowing options without strong credit.The first step toward securing financial aid is to complete the Free Application for Federal Student Aid (FAFSA). The standardized application computes your need for financial assistance during school. Student income, parental income and assets, and the size of your family are used to calculate your Expected Family Contribution (EFC). Your EFC is then used to create an individual Student Aid Report (SAR) that articulates your precise college financial aid needs.

    Private education loans

    Stafford Loans

    Submitting your FAFSA places you in contention for Stafford Loans under the William D. Ford Federal Direct Loan Program. Stafford Loans are categorized as subsidized, or unsubsidized, with different conditions for each.

    • Subsidized Stafford Loans are based on demonstrable financial need, as illustrated by your FAFSA results. As long as you are enrolled in school, your interest payments are subsidized by the Federal Government, so your debt doesn t grow while you are learning.
    • Unsubsidized Stafford Loans are not based on financial need, so interest does accrue while you attend school. You have the option of paying the interest as you go, or letting it ride until you finish school. As your interest is added to your debt, your total repayment obligation grows.

    Stafford Loans are available for undergraduate and graduate studies, with a maximum yearly award of $20,500 per graduate student.

    Parental financial information is included on FAFSA submissions for dependent students. If you apply as an independent student, your parents income is not factored into your Expected Family Contribution (EFC), and your annual Stafford Loan limits are higher.

    Perkins Loans

    Perkins loans are administered by institutions of higher education (IHE), but are federally funded nonetheless. Funds are reserved for students who demonstrate significant need relating to educational financing.Families with annual incomes below $25,000 are usually eligible for Perkins Loans, but your FAFSA should still be submitted, even if your family makes more.

    The maximum annual Perkins loan for undergraduate students is $5500, with a lifetime loan maximum of $27,000. Graduate students may borrow up to $8000 each year, with a $60,000 lifetime maximum. Perkins loans have fixed 5% interest rates and repayment starts 9 months following graduation.

    Private lenders require established good credit to consider you for a loan. If you don t have it, get a cosigner on board to bolster your credit worthiness. Without credit or a cosigner, you are best served by direct federal loans.



    Hard Money Equity Loans, Private Money Lenders, Bad Credit Cash, private loan lenders.#Private #loan #lenders


    Hard Money Equity Loans

    Bad credit borrowers should consider hard money loans with our private money lenders that offer mortgage refinancing, cash out and consolidation. Sometimes in life situations arise that we cannot control, and bills aren’t paid on time and credit scores drop when you need them most. With BD Nationwide we enable you to talk directly to trusted hard money lenders so that you will get the “straight scoop.

    If you have several reported late payments on your mortgage, then most conventional lenders will not approve you for cash out refinance or equity loan. Hard money equity loans are needed when credit scores drop in the low 500 range. Whether you need a non-prime loan or hard money lending, we can help you find private money lenders that provide several alternative financing solutions.

    Private loan lenders

    Shop Home Equity Companies Offering Private and Hard Money Loans for All Types of Credit

    We will help you meet private money lenders that offer hard money loans and credit lines with short-term or extended term financing for investment, home construction, debt consolidation and bad credit refinancing. Choose from spec loans, lot loans bridge loans and many more non-conforming programs as well. Talk to hard money lenders that have bad credit solutions for qualified borrowers.

    According to the Administrative Office of the Courts, 2,078,415 bankruptcies were filed last year–the largest number of bankruptcy petitions in the history of the federal courts.

    Private loan lenders

    See New Cash Out and Hard Money Loan Opportunities:

    Many banks talk about offering equity loans for cash back but unless you have high credit scores it’s usually a long shot. That’s why hard money equity loans make a lot more sense for people who do not have great credit scores, Hard money loans have helped millions of people realize their financial goals by helping them tap their equity with cash out.

    However, hard money is not for everyone. You’ll have enough equity to qualify for a hard money refinance, and not everyone will be able to do so. There are a few things that will factor into qualifying for these types of loans, including things like your income, debt to income ratio, credit history, and more. For a hard money equity loan, the most important factor of course is your home equity. Learn more on home equity loans with bad credit.

    Tips and Advice from Hard Money Lenders and Private Mortgage Sources

    Borrowing money from private sources has become very common these days for people who want to invest in real estate. It is still difficult to get regular banks to lend money on investment properties, even for experienced investors. If you are considering a hard money loan, below is an overview and some tips and advice.

    Hard Money Loan Overview

    A hard money loan is an alternative to a traditional bank loan that investors and some home buyers choose when they cannot qualify for a loan from a commercial lender. Some people also prefer to get a hard money loan instead of a regular loan because they have different needs than regular lenders can provide.

    Payment terms are usually higher priced than regular bank loans because hard money loans are a higher risk investment for the lender.

    The biggest difference between a hard money loan and a bank loan is that the loan is based entirely on the value of the property. Your personal credit history is not a major factor. Because the loan is not greatly based upon credit history, you will pay a much higher interest rate on a hard money loan. But if you have a profitable asset that you want to fix up and resell, getting a hard money loan could be a great option.

    If you are looking for a short-term loan, such as doing a fix and flip property, a subprime loan from a hard money lender is often ideal. After all, you are not holding the loan for more than a few months. But if you have a property that you plan to hold for a long period of time, a hard money loan can quickly become too expensive to be profitable. Shop mortgages with bad credit.

    Private loan lenders

    Some of the Advantages of Getting a Hard Money Loan include:

    • Speed: The biggest plus of getting this type of loan is that you can get the money quickly. If you are an investor and you see a hot property, you know how it works: If you cannot close on that deal in a week or two, it could be gone. Some private money lenders can get your loan approved in 24 hours. People looking for a hard money line of credit in 1st or 2nd position will have more success getting quick cash than borrowers searching for a 3rd mortgage.
    • More collateral options: Hard money lenders can take different sorts of collateral. They will want to see that you have sufficient income from other sources to pay the loan usually, but they also may accept that you have other properties in your portfolio that serve as collateral if you default. They also may be able to accept your retirement savings or personal residence.
    • Low credit requirements: There are some hard money lenders that will want to see a decent credit score to loan you money, but others don’t care. The main thing that matters is having an asset that is worth something and that will have additional value when it is fixed up.
    • Hard money lenders understand investors: These lenders work with investors in real estate every day and understand what you are doing. If you have a property that can make them money, they probably will loan on it even if your credit is poor. Many regular banks are leery of investors.

    Some Disadvantages of Hard Money Loans:

    • Higher interest rate: The interest rate on a hard money loan can be 15%. That is extremely high, but remember, you are probably not borrowing the money for more than three to six months. But you can run into problems if you need to borrow the money for a year or longer. You could find yourself losing money by holding the property.
    • Short term: Most hard money loans range from three months to a year. Hard money loan costs can be hard to handle when you are working on the property and have no cash flow or profit from it.
    • Certain properties only: Many hard money lenders are picky on the properties they will loan on. They all have different lending criteria, and some will be really strict. They want to be sure the property is worth having if you default.

    Tips for Hard Money Loans:

    • Find a profitable property. No hard money lender will loan on a property that is going to lose money.
    • Have an exit strategy planned to show the private money lender. Most hard money borrowers are fixing and flipping properties. Show the lender what you are doing to the property and how much money it will make. Be specific.
    • Build up your cash reserves. Hard money lenders like to work with experienced investors who have a track record of success. If you are new, that’s fine, but you can increase your chances of getting approved by having substantial cash reserves and collateral.
    • Raise your credit score: While many lenders will loan to people with bad credit, you still should try to raise your score, as you may get a lower rate.
    • If you are new to investing, consider partnering with an experienced hard money broker or lender with a portfolio of properties. He can help you to get the loan and work with you to fix up the home profitably.

    Do you need cash but currently have credit scores below 500?

    Are you seeking some debt relief with lower payments from eliminating compounding interest?

    BD Nationwide Mortgage provides solid insight on home equity solutions to savvy borrowers looking to consolidate loans and pay off revolving credit cards. If you have earned some equity in your home and want to reduce some high interest debt it is worth looking into a subprime mortgage, even if you have below-average credit scores.



    HardMoney Lenders, Rehab Hard Money Loans, Real Estate Investor Loans, private loan lenders.#Private #loan #lenders


    Hard Money Lenders Program Options

    for Residential and Commercial Real Estate Investing

    and Commercial Income Property Deals.

    Private Money Lenders Source

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    Private loan lenders

    When it comes to private hard money funding now you can learn what successful real estate investors are doing in today’s real estate market–

    “My partners in N.C swears by your product and I can’t wait to begin having my deals funded as well. Like you said Gary -all the heavy lifting has been done for us! All of your products will be added to my archives, but this is the primary piece to the foundation of my operation. Add me to the list of your satisfied customers as well.” -B.G

    “I like what the program offers, I have used the blueprint principles to put packages together, with success. ” -M.C.

    “The three sources I ordered from you and your continuous informational daily emails have been of an invaluable help to my real estate investing success. Thank you so much.” -P.M.

    “Yes I did get funded thank you for the help!” -C.C.

    “I have a great lender that I got through your program. We have a great relationship and I’m getting properties. with 0 down no payment for 120 days @ 11% land contract 3 year pay off. Thank you very much.” -R.V.

    Just one funded deal could make all the difference. That’s why it is so important to know the lender programs so investors can match deals with the right private hardmoney lender programs. It is critical to being able to establish a relationship with these lenders if it is your desire to get more deals funded and closed.

    Why waste your time searching for funding when WE CAN SHOW YOU HOW IT’S DONE?

    Private loan lenders

    HERE’S A REHAB HARD MONEY LOAN EXAMPLE:

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    Hard Money Lenders, Private Money Loans, private loans.#Private #loans


    Hard Money Lenders | Private Money Lending Guide

    Private loans

    Private loans

    Private Lending 101

    Lending and IRA’s

    Analyze Loan Investments

    Private Money Lending Guide was created to help real estate investors and borrowers in need of hard money loans to better understand the private lender requirements. There are over 50 pages of educational content to help you understand the details of obtaining or investing in hard money loans.

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    Private loans

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    Private Lending 101

    Conventional vs. Private Loans

    Negotiating Hard Money Loans

    Select Investors or Borrowers above to see dozens of informative articles on private money loans, or hard money lenders. The Private Money Lending Guide helps borrowers and investors learn more about private money lending including bridge loans and rehab loans. The Guide helps borrowers find private money lenders, also known as hard money lenders.

    The Private Money Lending Guide website, its owners, contractors, distributors and their respective representatives do not provide tax, accounting, investment or legal advice and make no guarantee as to the effectiveness or success of any investment or tax strategies discussed herein. Please consult your own independent adviser as to any questions you have or decision you are contemplating. Private Money Lending Guide (PMLG) collects your information to assist in providing goods or services, to process requests, and to improve products and services. We may be in touch by any means to let you know about our services and programs that may be of interest to you. We may also have to share your email address with PMLG or Affinity Worldwide affiliates who assists us in providing our services.



    Private Student Loans for Undergraduate and Graduate Students, SunTrust Student Loans, private loans.#Private #loans


    private loans

    • Private loans

    Having trouble repaying student loans?

    Consider these simple solutions that may help.

  • Private loans

    Scholarship Sweepstakes

    High school seniors and current college students can enter for a chance to win a $500 scholarship! No purchase necessary. Terms apply.

  • Private loans

    Servicemembers Civil Relief Act (SCRA)

    What protections are available for Servicemembers.

    Education Center

    Paying for college can be a challenge. SunTrust can help navigate the options.

    Before you look into paying for your college expenses, it’s important to know how much money you’ll need. Our money management resources, tools, and budgeting tips can help.

    Use our college tuition guide and step-by-step guide to paying for college for planning advice on how to avoid getting too over-burdened with debt before you’ve earned a degree.

    Before you get a loan, we encourage you to try getting scholarships and grants first. Our list of online resources can help. You can also register for the SunTrust Off to College Scholarship Sweepstakes (see Official Rules for details).

    Tools and Calculators

    • Contact

    SunTrust Education Lending | 1001 Semmes Avenue, Mail Code: RVW 7076 | Richmond, VA 23224

    SunTrust Bank, Member FDIC. 2017 SunTrust Banks, Inc.

    SunTrust and Custom Choice Loan are federally registered service marks of SunTrust Banks, Inc.

    SunTrust recommends comparing all aid alternatives including grants, scholarships, and federal student loans, prior to applying for a private student loan. Before selecting a private student loan, compare options offered by SunTrust.

    Union Federal is a federally registered trademark of Cognition Financial Corporation used by SunTrust Bank under license. The Union Federal Private Student Loan is funded by SunTrust Bank and is not affiliated with any other lender. Certain restrictions and limitations may apply. SunTrust Bank reserves the right to change or discontinue this program without notice. This loan program is subject to approval under the SunTrust credit policy and other criteria and may not be available in certain jurisdictions. SunTrust is a federally registered service mark of SunTrust Banks, Inc. Cognition Financial Corporation is not an affiliate of SunTrust Bank.

    1 Interest rate reductions offered for automatic payment from a bank account: 0.25% interest rate reduction for ACH payment from any bank account and an extra 0.25% interest rate reduction when ACH payments are made from a SunTrust Bank account. ACH interest rate reduction(s) apply when full payments (including both principal and interest) are automatically drafted from a bank account. Interest rate reduction(s) will remain on the account unless (1) the automatic deduction of payments is stopped (including times during deferment or forbearance) or (2) there are three automatic deductions returned for insufficient funds within the life of the loan. The additional SunTrust Bank account ACH interest rate reduction is available for loans first disbursed on or after 6/1/11 and will be applied after the first automatic payment is successfully deducted from a SunTrust Bank checking, savings or money market account and will be removed for the reasons stated above or if you close your SunTrust Bank account. In the event the benefit(s) is removed, the interest rate stated in the Credit Agreement shall be applied in accordance with the terms of the Credit Agreement.



  • Private loan, private loan.#Private #loan


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    Exhaust all federal grant and loans available to you before considering a private (alternative) loan. You may qualify for loans or other assistance under title IV of the HEA (Pell Grants, Stafford, Perkins, FSEOG grants and PLUS loans) and the terms and conditions of title IV, HEA program loans may be more favorable than the provisions of private education loans . Student Lending Analytics has developed a list of private loan options for undergraduates to serve schools and their students who need a focused and neutral resource for help in finding a private student loan.

    SLA is an independent research and advisory firm that has NO affiliations with any student lenders. SLA HAS RECEIVED NO CONSIDERATION FROM ANY LENDERS FOR PLACEMENT ON THIS LIST. Placement on this list DOES NOT in any way constitute an endorsement from SLA NOR should it be construed as a preferred lender list. You are free to borrow from any lender of your choice. While SLA has made every effort to confirm each of the lender loan terms described below through website research and multiple calls to lender customer service representatives, it cannot guarantee its accuracy. Furthermore, not all the lenders listed below lend to all students at all schools. The borrower should confirm any and all loan terms with the lender PRIOR to accepting the loan. Each lender s position on the list is randomly determined and will change each time this page is refreshed. SLA will update this page as necessary and will provide a date of last update at the top of the page. The information provided below is subject to change without notice.



    Private Bad Credit Student Loans ~, private student loans without cosigner.#Private #student #loans #without #cosigner


    Alternative Financing With Bad Credit Student Loans

    Whether you like it or not, your credit history takes center stage when it s time to plan your financial aid strategy. If you are a high school student, this may be the first time you ve had to consider the importance of having good credit.

    Understanding credit fundamentals helps you determine your best options for getting much-needed financial-aid, so let s examine the basics.

    Every credit related interaction you engage in has an outcome that affects your credit rating . If you borrow money and pay it back on schedule, your rating will be the better for it. If you have even one late payment, a negative entry serves to lower your rating.

    Your credit score is the summation of all the credit outcomes you have created over the course of your borrowing history. Credit bureaus are tasked with assigning numbers, or scores, to your overall performance. As you apply for certain student aid, your credit score is used by lenders to determine your worthiness for loans.

    Private student loans without cosigner

    You have specific rights related to credit reporting, as outlined by The Fair Credit Reporting Act (FCRA). Three specific protections ensure that credit applications are handled without bias:

    1. If information contained in your credit report has been used to withhold a loan, the lender is obligated to tell you that it has.
    2. You have a specific right to know what is contained in your credit report.
    3. You have the right to challenge any information contained in your credit report that is not accurate or is incomplete.

    The Fair and Accurate Credit Transaction Act (FACTA) is a legal provision granting you the right to receive free copies of your credit reports from each of the three national credit bureaus, once a year. Get your free report, so you know exactly where you stand – requests are submitted annually to www.annualcreditreport.com. (Remember: you get ONE free report from each one, every year – use it wisely, from the perspective of timing).

    What s wrong with my credit?

    Experian, Equifax, and Transunion are the three primary credit bureaus that analyze your credit history. While responsible credit behavior is always going to impact your credit rating positively, it is not the only metric used to assign your credit score. Some of the criteria used to derive credit scores are inherently biased against college students.

    Credit bureaus want to see longevity and diversity in your credit history. If you are emerging from high school enroute to college, you might not be strong in either area. Three types of credit are examined:

    • Revolving Credit – YourMasterCard or Visa payment record illuminates your ability to manage a revolving account that carries balances across billing periods, and requires timely payments each month.
    • Installment Credit – Loans with fixed payments that are paid back over designated periods of time fall into this category. Mortgages provide the best installment credit references for lenders, because the loans are large and long-held. You probably didn t buy a house during high school, but your steady car loan payments are also installment credit successes.
    • Open Credit – An American Express card is a good example of an open credit line that must be paid in-full each month.

    So even if your credit outcomes have been positive, your limited history might not be sufficient to establish a high credit score. To access funds reserved for people with high credit scores, add a longer frame of reference to your credit application- take on a cosigner.

    Use cosigners to your advantage—to help build your credit. Once you ve made 48 consecutive on-time payments, it s common for your lender to release the cosigner fromthe loan. The student loan you needed a cosigner to secure, now acts as an installment credit success, to raiseyour own credit score.

    If you cannot find someone willing to lend their favorable credit rating to your college funding cause, focus instead on forms of financial aid that don t rely on your past credit performance.

    Federal Student Loans: Perfect Bad Credit Loans

    Federal student loans provideyour best borrowing options without strong credit.The first step toward securing financial aid is to complete the Free Application for Federal Student Aid (FAFSA). The standardized application computes your need for financial assistance during school. Student income, parental income and assets, and the size of your family are used to calculate your Expected Family Contribution (EFC). Your EFC is then used to create an individual Student Aid Report (SAR) that articulates your precise college financial aid needs.

    Private student loans without cosigner

    Stafford Loans

    Submitting your FAFSA places you in contention for Stafford Loans under the William D. Ford Federal Direct Loan Program. Stafford Loans are categorized as subsidized, or unsubsidized, with different conditions for each.

    • Subsidized Stafford Loans are based on demonstrable financial need, as illustrated by your FAFSA results. As long as you are enrolled in school, your interest payments are subsidized by the Federal Government, so your debt doesn t grow while you are learning.
    • Unsubsidized Stafford Loans are not based on financial need, so interest does accrue while you attend school. You have the option of paying the interest as you go, or letting it ride until you finish school. As your interest is added to your debt, your total repayment obligation grows.

    Stafford Loans are available for undergraduate and graduate studies, with a maximum yearly award of $20,500 per graduate student.

    Parental financial information is included on FAFSA submissions for dependent students. If you apply as an independent student, your parents income is not factored into your Expected Family Contribution (EFC), and your annual Stafford Loan limits are higher.

    Perkins Loans

    Perkins loans are administered by institutions of higher education (IHE), but are federally funded nonetheless. Funds are reserved for students who demonstrate significant need relating to educational financing.Families with annual incomes below $25,000 are usually eligible for Perkins Loans, but your FAFSA should still be submitted, even if your family makes more.

    The maximum annual Perkins loan for undergraduate students is $5500, with a lifetime loan maximum of $27,000. Graduate students may borrow up to $8000 each year, with a $60,000 lifetime maximum. Perkins loans have fixed 5% interest rates and repayment starts 9 months following graduation.

    Private lenders require established good credit to consider you for a loan. If you don t have it, get a cosigner on board to bolster your credit worthiness. Without credit or a cosigner, you are best served by direct federal loans.



    Private Student Loans for Undergraduate and Graduate Students, SunTrust Student Loans, private student loans without cosigner.#Private #student #loans #without #cosigner


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    • Private student loans without cosigner

    Having trouble repaying student loans?

    Consider these simple solutions that may help.

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    High school seniors and current college students can enter for a chance to win a $500 scholarship! No purchase necessary. Terms apply.

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    What protections are available for Servicemembers.

    Education Center

    Paying for college can be a challenge. SunTrust can help navigate the options.

    Before you look into paying for your college expenses, it’s important to know how much money you’ll need. Our money management resources, tools, and budgeting tips can help.

    Use our college tuition guide and step-by-step guide to paying for college for planning advice on how to avoid getting too over-burdened with debt before you’ve earned a degree.

    Before you get a loan, we encourage you to try getting scholarships and grants first. Our list of online resources can help. You can also register for the SunTrust Off to College Scholarship Sweepstakes (see Official Rules for details).

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    SunTrust Education Lending | 1001 Semmes Avenue, Mail Code: RVW 7076 | Richmond, VA 23224

    SunTrust Bank, Member FDIC. 2017 SunTrust Banks, Inc.

    SunTrust and Custom Choice Loan are federally registered service marks of SunTrust Banks, Inc.

    SunTrust recommends comparing all aid alternatives including grants, scholarships, and federal student loans, prior to applying for a private student loan. Before selecting a private student loan, compare options offered by SunTrust.

    Union Federal is a federally registered trademark of Cognition Financial Corporation used by SunTrust Bank under license. The Union Federal Private Student Loan is funded by SunTrust Bank and is not affiliated with any other lender. Certain restrictions and limitations may apply. SunTrust Bank reserves the right to change or discontinue this program without notice. This loan program is subject to approval under the SunTrust credit policy and other criteria and may not be available in certain jurisdictions. SunTrust is a federally registered service mark of SunTrust Banks, Inc. Cognition Financial Corporation is not an affiliate of SunTrust Bank.

    1 Interest rate reductions offered for automatic payment from a bank account: 0.25% interest rate reduction for ACH payment from any bank account and an extra 0.25% interest rate reduction when ACH payments are made from a SunTrust Bank account. ACH interest rate reduction(s) apply when full payments (including both principal and interest) are automatically drafted from a bank account. Interest rate reduction(s) will remain on the account unless (1) the automatic deduction of payments is stopped (including times during deferment or forbearance) or (2) there are three automatic deductions returned for insufficient funds within the life of the loan. The additional SunTrust Bank account ACH interest rate reduction is available for loans first disbursed on or after 6/1/11 and will be applied after the first automatic payment is successfully deducted from a SunTrust Bank checking, savings or money market account and will be removed for the reasons stated above or if you close your SunTrust Bank account. In the event the benefit(s) is removed, the interest rate stated in the Credit Agreement shall be applied in accordance with the terms of the Credit Agreement.



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    Data as of March 2017. Comparison of longest average store hours in the regions (MSAs) in which TD Bank operates compared to major banks. Major banks include our top 20 national competitors by MSA, our top five competitors in store share by MSA and any bank with greater or equal store share than TD Bank in the MSA. Major banks do not include banks that operate in retail stores such as grocery stores, or banks that do not fall in an MSA.



    The Student Loan Report – Private Student Loans, Student Loan Refinancing, Industry News, private student loans.#Private #student #loans


    National News

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    Sen. Warren Doesn t Like Navient Acquisition of Earnest

    Senator Warren (center) with a couple of colleagues at a campaign rally in.

    Betsy DeVos Breaks Headlines, Suggesting Student Loan Subsidization Paid for ACA

    New Tax Bill Spells Bad News for Student Loan Interest Tax Deduction

    CFPB Releases New Report with Student Loan Borrower Complaints from Past Year

    Regional News

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    University of Michigan Introduces Free Tuition Policy, Yet Still Struggles with Elitist Label

    Pictured above is a building at the University of Michigan, Ann Arbor.“An uncommon education for.

    Illinois Senate to Vote on Overriding Governor Veto of Student Loan Bill of Rights

    K-12 Bentley School Offers Student Loan Repayment Benefit to Faculty

    Washington D.C. Council Proposes New Student Loan Forgiveness Legislation

    International News

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    BBC Investigation Uncovers Shady Student Loan Fraud at UK University

    A BBC Panorama reporter presented a 10-month-long investigation on student loan fraud involving.

    UK Government Looks to Sell Student Loans Once Again

    UK Government Reviewing Student Loan System, Impacting Student Borrowers

    UK Graduates Overpaid Their Collective Student Debt by £50 Million in 2016

    Industry News

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    ReliaMax Insures and Services Another $73 million in Private Student Loans from MetaBank

    The student loan industry has seen another major deal. ReliaMax, a large private student loan.

    SoFi Closes the Biggest Loan Securitization Yet

    SoFi Reportedly Discussed Acquisition by Charles Schwab, No Deal

    Nelnet Announces Acquisition of Rival Student Loan Servicer

    About The Student Loan Report

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    The Student Loan Report, LLC was started by Drew Cloud in 2016 to provide unbiased coverage on the latest student loan news and information.

    The Student Loan Report also creates resources and guides for borrowers and their families so they make the best decisions when it comes to paying for college and repaying student debt.

    If you ever have any questions or need advice, feel free to reach out to us we are happy to help!



    Student Loan Consolidation: Should I Consolidate My Student Loans, SoFi, private student loan consolidation.#Private #student #loan #consolidation


    How and When to Combine Federal Student Loans Private Loans

    Got student loans? We ve got you covered with our Student Loan Smarts blog series. Our expert tips and hacks will help you save money, pay off loans sooner and stress less about student loan debt. Read the other posts in the series here—and get all the info you need to make intelligent decisions about your student loans. And while you re at it, check out SoFi s new Student Loan Debt Navigator tool to assess your student loan repayment options.

    One of the biggest student loan myths out there is that borrowers can’t consolidate federal student loans and private student loans into one loan. It’s understandable why people think that, since this wasn’t an option for many years. But now that the choice is available, it’s important to understand whether federal and private loan consolidation is right for you – especially when there’s the potential for significant cost savings on the line.

    Can I Consolidate Federal and Private Student Loans?

    While it’s not possible to use the federal Direct loan consolidation program to combine your federal student loans with private loans, it is possible to combine private and federal student loans by refinancing them with a private lender. Through this process, you actually apply for a new loan (which is used to pay off your original loans) and you’re given a new—ideally lower—interest rate.

    Why would you want to do this? In addition to the advantages of loan consolidation (like having one, simplified monthly payment), refinancing student loans at a lower interest rate can mean big benefits, like lowering monthly payments or reducing the time it takes to pay off your debt, and cutting down on the total interest you pay over time.

    When to Consolidate Federal Student Loans Private Loans

    Before you refinance federal student loans, there are a couple of things to think about. Here’s an easy decision tree to help you understand whether refinancing federal loans is right for you:

    Should I Refinance My Federal Student Loans?

    Private student loan consolidation

    Federal Student Loan Interest Rates, Revealed

    Some people assume that federal loans always offer the best rates, but this just isn’t true.

    Depending on loan type and disbursement date, your federal student loan rate could range from about 3% to 8%. With prevailing interest rates at historic lows, some private lenders offer rates that are significantly better than a high-rate federal loan. This is particularly true for grad school borrowers who use unsubsidized Direct loans and Graduate PLUS loans to finance their education.

    So how important is interest rate, really? Let’s compare a 10-year term, $80,000 loan at 6.84% (the current fixed rate on Grad PLUS loans) and 5.68% (the average 10-year fixed interest rate for SoFi refinance borrowers in 2015).*

    In this example, refinancing would mean both lower monthly payments and a total savings of more than $5,600.

    Understanding Federal Student Loan Benefits

    Some federal student loans offer benefits and protections that do not transfer to private lenders. This is often the reason that people cite when they say you shouldn’t combine federal and private loans. But before you dismiss the idea of refinancing, you should first take a look to see if any of these benefits apply to you.

    For example, under the Public Service Loan Forgiveness Program (PSLFP), your Direct Loan balance may be eligible for forgiveness after 120 payments if you’ve worked in the public sector that entire time. Similarly, the Teacher Loan Forgiveness Program is available for teachers who work in schools that serve low-income families full-time for five consecutive years. These are clearly great programs for people who choose careers in public service or education, but if that’s not you, they won’t do you any good.

    There are also a number of federal loan repayment plans that can ease the burden for borrowers facing tough economic times. For example, the government’s Pay As You Earn (PAYE) and Income-Based Repayment (IBR) programs allow borrowers to make reduced monthly payments based on financial hardship. But if your income is over a certain threshold, you won’t benefit from these programs. And if you do qualify, but you’re at the high end of the spectrum, your slightly lowered payments may come at a disproportionate price in the form of accumulating interest.

    It’s important to note that some private lenders offer their own benefits and protections. At SoFi, for example, if you lose your job, we’ll not only pause your payments, we’ll help you find a new one .

    Federal Loan Refinance Recap

    Combining federal student loans and private loans through the refinancing process won’t make sense for every borrower, but it provides great benefits for some. Now that you know it’s an option and you understand how it works, you can better assess whether it’s right for you.

    * Click here to see student loan refinance examples that depict APR, monthly payment and total finance charges.

    Editor’s Note: This is an updated version of a post we originally published in December 2013. We welcome new comments and questions below.

    Private student loan consolidationPrivate student loan consolidation



    Student Loan Consolidation: Should I Consolidate My Student Loans, SoFi, private student loan.#Private #student #loan


    How and When to Combine Federal Student Loans Private Loans

    Got student loans? We ve got you covered with our Student Loan Smarts blog series. Our expert tips and hacks will help you save money, pay off loans sooner and stress less about student loan debt. Read the other posts in the series here—and get all the info you need to make intelligent decisions about your student loans. And while you re at it, check out SoFi s new Student Loan Debt Navigator tool to assess your student loan repayment options.

    One of the biggest student loan myths out there is that borrowers can’t consolidate federal student loans and private student loans into one loan. It’s understandable why people think that, since this wasn’t an option for many years. But now that the choice is available, it’s important to understand whether federal and private loan consolidation is right for you – especially when there’s the potential for significant cost savings on the line.

    Can I Consolidate Federal and Private Student Loans?

    While it’s not possible to use the federal Direct loan consolidation program to combine your federal student loans with private loans, it is possible to combine private and federal student loans by refinancing them with a private lender. Through this process, you actually apply for a new loan (which is used to pay off your original loans) and you’re given a new—ideally lower—interest rate.

    Why would you want to do this? In addition to the advantages of loan consolidation (like having one, simplified monthly payment), refinancing student loans at a lower interest rate can mean big benefits, like lowering monthly payments or reducing the time it takes to pay off your debt, and cutting down on the total interest you pay over time.

    When to Consolidate Federal Student Loans Private Loans

    Before you refinance federal student loans, there are a couple of things to think about. Here’s an easy decision tree to help you understand whether refinancing federal loans is right for you:

    Should I Refinance My Federal Student Loans?

    Private student loan

    Federal Student Loan Interest Rates, Revealed

    Some people assume that federal loans always offer the best rates, but this just isn’t true.

    Depending on loan type and disbursement date, your federal student loan rate could range from about 3% to 8%. With prevailing interest rates at historic lows, some private lenders offer rates that are significantly better than a high-rate federal loan. This is particularly true for grad school borrowers who use unsubsidized Direct loans and Graduate PLUS loans to finance their education.

    So how important is interest rate, really? Let’s compare a 10-year term, $80,000 loan at 6.84% (the current fixed rate on Grad PLUS loans) and 5.68% (the average 10-year fixed interest rate for SoFi refinance borrowers in 2015).*

    In this example, refinancing would mean both lower monthly payments and a total savings of more than $5,600.

    Understanding Federal Student Loan Benefits

    Some federal student loans offer benefits and protections that do not transfer to private lenders. This is often the reason that people cite when they say you shouldn’t combine federal and private loans. But before you dismiss the idea of refinancing, you should first take a look to see if any of these benefits apply to you.

    For example, under the Public Service Loan Forgiveness Program (PSLFP), your Direct Loan balance may be eligible for forgiveness after 120 payments if you’ve worked in the public sector that entire time. Similarly, the Teacher Loan Forgiveness Program is available for teachers who work in schools that serve low-income families full-time for five consecutive years. These are clearly great programs for people who choose careers in public service or education, but if that’s not you, they won’t do you any good.

    There are also a number of federal loan repayment plans that can ease the burden for borrowers facing tough economic times. For example, the government’s Pay As You Earn (PAYE) and Income-Based Repayment (IBR) programs allow borrowers to make reduced monthly payments based on financial hardship. But if your income is over a certain threshold, you won’t benefit from these programs. And if you do qualify, but you’re at the high end of the spectrum, your slightly lowered payments may come at a disproportionate price in the form of accumulating interest.

    It’s important to note that some private lenders offer their own benefits and protections. At SoFi, for example, if you lose your job, we’ll not only pause your payments, we’ll help you find a new one .

    Federal Loan Refinance Recap

    Combining federal student loans and private loans through the refinancing process won’t make sense for every borrower, but it provides great benefits for some. Now that you know it’s an option and you understand how it works, you can better assess whether it’s right for you.

    * Click here to see student loan refinance examples that depict APR, monthly payment and total finance charges.

    Editor’s Note: This is an updated version of a post we originally published in December 2013. We welcome new comments and questions below.

    Private student loanPrivate student loan



    Bureau for Private Postsecondary Education, private education loans.#Private #education #loans


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    • Approved Schools
    • Choosing a career and a school
    • Guide for students facing a school closure
    • Application for Student Tuition Recovery Fund (English) (Spanish)
    • Transcript Request Form
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    Private education loans

    Private education loansAlert:

    The Bureau for Private Postsecondary Education (Bureau) came into existence on January 1, 2010, following passage of Assembly Bill 48, known as the California Private Postsecondary Education Act of 2009 (California Education Code, Title 3, Division 10, Part 59, Chapter 8).

    On September 24, 2016, Senate Bill 1192 was chaptered, extending the operation of the Bureau and the California Private Postsecondary Education Act of 2009 for four years. The California Private Postsecondary Education Act of 2009 will now be repealed on January 1, 2021.

    The Bureau protects students and consumers through the oversight of California s private postsecondary educational institutions by conducting qualitative reviews of educational programs and operating standards, proactively combatting unlicensed activity, impartially resolving student and consumer complaints, and conducting outreach.

    To be the national leader in regulating private postsecondary institutions and maximizing Californian s confidence that institutions approved by the Bureau provide a quality education.

    Accountability, Consumer Protection, Effectiveness, Quality, Integrity, Transparency, and Consistency.

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    Exhaust all federal grant and loans available to you before considering a private (alternative) loan. You may qualify for loans or other assistance under title IV of the HEA (Pell Grants, Stafford, Perkins, FSEOG grants and PLUS loans) and the terms and conditions of title IV, HEA program loans may be more favorable than the provisions of private education loans . Student Lending Analytics has developed a list of private loan options for undergraduates to serve schools and their students who need a focused and neutral resource for help in finding a private student loan.

    SLA is an independent research and advisory firm that has NO affiliations with any student lenders. SLA HAS RECEIVED NO CONSIDERATION FROM ANY LENDERS FOR PLACEMENT ON THIS LIST. Placement on this list DOES NOT in any way constitute an endorsement from SLA NOR should it be construed as a preferred lender list. You are free to borrow from any lender of your choice. While SLA has made every effort to confirm each of the lender loan terms described below through website research and multiple calls to lender customer service representatives, it cannot guarantee its accuracy. Furthermore, not all the lenders listed below lend to all students at all schools. The borrower should confirm any and all loan terms with the lender PRIOR to accepting the loan. Each lender s position on the list is randomly determined and will change each time this page is refreshed. SLA will update this page as necessary and will provide a date of last update at the top of the page. The information provided below is subject to change without notice.



    Private Student Loans, FinAid, Loans, private loan.#Private #loan


    Private Student Loans

    Private student loan volume grows when federal student loan limits remain stagnant.

    Private student loan volume grew much more rapidly than federal student loan volume through mid-2008, in part because aggregate loan limits on the Stafford loan remained unchanged from 1992 to 2008. (The introduction of the Grad PLUS loan on July 1, 2006 and the increases in the annual but not aggregate limits had only a modest impact on the growth of private student loan volume. The subprime mortgage credit crisis of 2007-2010, however, limited lender access to the capital needed to make new loans, reining in growth of the private student loan marketplace.) The annual increase in private student loan volume was about 25% to 35% per year, compared with 8% per year for federal loan volume.

    In addition to these lists of private student loan programs, there are several web sites that provide tools for comparing private student loans. These tools can help you identify the loans that match your criteria. These student loan comparison sites include Credible and other student loan comparison sites.

    Then the Ensuring Continued Access to Student Loans Act of 2008 increased the annual and aggregate loan limits on the federal Stafford loan starting July 1, 2008. This shifted significant loan volume from private student loan programs to federal. Private student loan volume dropped in half in 2008-09, according to the College Board’s Trends in Student Aid 2009.

    Private student loan volume is expected to return to the 25% annual growth rate unless there is another increase in federal loan limits or an expansion of the availability of federal student loans. For example, the proposal for expanding Perkins loan funding from $1 billion a year to $8.5 billion a year will cause a significant decline in private student loan volume. But so long as federal loan limits do not increase every year, private student loan volume will continue to grow at double-digit rates.

    If current trends continue, annual private education loan volume will surpass federal student loan volume by around 2030. Accordingly, it is important that students have tools they can use to compare different private student loans.

    As a general rule, students should only consider obtaining a private education loan if they have maxed out the Federal Stafford Loan. They should also file the Free Application for Federal Student Aid (FAFSA), which may qualify them for grants, work-study and other forms of student aid. Undergraduate students should also compare costs with the Federal PLUS Loan, as the PLUS loan is usually much less expensive and has better repayment terms.

    The fees charged by some lenders can significantly increase the cost of the loan. A loan with a relatively low interest rate but high fees can ultimately cost more than a loan with a somewhat higher interest rate and no fees. (The lenders that do not charge fees often roll the difference into the interest rate.) A good rule of thumb is that 3% to 4% in fees is about the same as a 1% higher interest rate.

    Be wary of comparing loans with different repayment terms according to APR, as a longer loan term reduces the APR despite increasing the total amount of interest paid. FinAid’s Loan Analyzer Calculator may be used to generate an apples-to-apples comparison of different loan programs.

    The best private student loans will have interest rates of LIBOR + 2.0% or PRIME – 0.50% with no fees. Such loans will be competitive with the Federal PLUS Loan. Unfortunately, these rates often will be available only to borrowers with great credit who also have a creditworthy cosigner. It is unclear how many borrowers qualify for the best rates, although the top credit tier typically encompasses about 20% of borrowers.

    Generally, borrowers should prefer loans that are pegged to the LIBOR index over loans that are pegged to the Prime Lending Rate, all else being equal, as the spread between the Prime Lending Rate and LIBOR has been increasing over time. Over the long term a loan with interest rates based on LIBOR will be less expensive than a loan based on the Prime Lending Rate. About half of lenders peg their private student loans to the LIBOR index and about 2/5 to the Prime lending rate.

    Some lenders use the LIBOR rate because it reflects their cost of capital. Other lenders use the Prime Lending Rate because PRIME + 0.0% sounds better to consumers than LIBOR + 2.80% even when the rates are the same.

    It is not uncommon for lenders to advertise a lower rate for the in-school and grace period, with a higher rate in effect when the loan enters repayment.

    Federal student loans are not available for expenses incurred by law, medical and dental students after they graduate, such as expenses associated with study for the bar or finding a residency. There are two types of private student loans for these expenses:

    • A Bar Study Loan helps finance bar exam costs such as bar review course fees, bar exam fees, as well as living expenses while you are studying for the bar.
    • A Residency and Relocation Loan helps medical and dental students with the expenses associated with finding a residency, including interview travel expenses and relocation costs, as well as board exam expenses.

    Comparing Private Student Loans

    Key information to understand student loans includes being aware of the annual and cumulative loan limits, interest rates, fees, and loan term for the most popular private student loan programs. Often the interest rates, fees and loan limits depend on the credit history of the borrower and co-signer, if any, and on loan options chosen by the borrower such as in-school deferment and repayment schedule. Loan term often depends on the total amount of debt.

    Most lenders that require school certification (approval) will cap the annual loan amount at cost of education less aid received (COA-Aid). They may also have an annual dollar limit as well.

    Lenders rarely give complete details of the terms of the private student loan until after the student submits an application, in part because this helps prevent comparisons based on cost. For example, many lenders will only advertise the lowest interest rate they charge (for good credit borrowers). Borrowers with bad credit can expect interest rates that are as much as 6% higher, loan fees that are as much as 9% higher, and loan limits that are two-thirds lower than the advertised figures.

    The APRs for variable rate loans, if listed, are only the current APRs and are likely to change over the term of the loan. Borrowers should be careful about comparing loans based on the APR, as the APR may be calculated under different assumptions, such as a different number of years in repayment. All else being equal, a longer repayment term will have a lower APR even though the borrower will pay more in interest.

    The information presented below is based on lender provided information. Actual rates and fees may differ.



    List of Private Student Loan Companies – 2014 – Private, Consolidation, Direct, Short Term Loans #best #home #loan


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    List of Private Student Loan Companies 2014

    Be careful when selecting a bank for student loans. They are not all created equal and some are dishonest. Get several loans in writing to compare. This could be the largest purchases you will make in your life.

    Credit Unions offering student loans

    – Advanced Financial FCU

    – Credit Union of New Jersey

    – First Jersey Credit Union

    – Liberty Savings FCU

    – NJ Gateway Federal Credit Union

    – NIH Federal Credit Union

    – Raritan Bay FCU

    – Seaport Federal Credit Union

    – Tri-Co Federal Credit Union

    – United Poles FCU

    Before taking out a loan for college it is important to understand student debt and how it will affect you after graduation. Learn more at Student Debt News.

    Keep in mind all banks use credit scores to determine who is eligible and interest rates. If you or you re parents have a low credit score learn how to repair your credit legally There are companies and attorneys that are specialist in this matter. Or you can do it yourself.

    Some of the largest student loan companies include Sallie Mae and Citi Student Loans (now owned by Discover.)



    UCLA Extension: Private Education Loans #fast #loans #online


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    Private Education Loans

    Work Force Investment Act Training Dollars

    Private Alternative Education Loans

    These continuing education loans are made available by banks and private lending institutions, not the federal government. The interest rates,fees, and repayment schedules vary from one lender to another, and eligibility is typically based on the creditworthiness of the borrower and/or the co-signer. You will need to contact lenders directly to compare their service packages and program features. For a list of some lenders, see lender list.

    In deciding whether or not alternative loans meet your needs, consider all of the following factors:

    Borrowing money is a serious decision. It is a financial option to consider only after you have determined that you cannot cover the cost of your education through any other means. If you do take out a loan, be sure to read and save copies of all loan correspondence, records, and payments. Applicants applying for courses or certificate programs are certified at the undergraduate level except for those enrolled in the following complete certificate programs, which have graduate status:Paralegal, Landscape Architecture, and Post-Baccalaureate Program in Classics. (Note: Status and level for purposes of certification is defined by the course or program, not by prior education.) If enrolling in summer courses, a separate loan application is required.



    Can I Consolidate Federal – Private Student Loans Together? #short #term #loans #bad #credit


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    Can I Consolidate Federal Private Student Loans Together?

    If you have student loans, chances are you’re dealing with multiple interest rates, multiple loan servicers and multiple monthly payments – a surefire recipe for multiple headaches. The idea of consolidating all your loans together sounds like a great way to simplify, but is that even possible when you have both private and federal loans? More importantly, is it advisable?

    The short answer to the first question is yes, it is possible. But in order to decide whether it makes sense for your situation, there are some considerations to take into account. Here’s what you need to know:

    The Term “Consolidation” Can Have Different Meanings

    Consolidating student loans simply means combining them together, but there’s a difference between consolidating through the government’s Direct Loan Consolidation Program and consolidating through a bank or alternative lender.

    When you consolidate student loans through the Direct Loan Consolidation Program:

    • Most (but not all) federal loans are eligible, and private loans are not allowed.
    • The resulting interest rate is a weighted average of the original loans’ interest rates, which means no money is saved.
    • You may be able to select a new, longer term, which can reduce your monthly payments ; however, a longer term can also end up costing you more money in total interest.

    When you consolidate student loans through a private lender:

    • In most cases, only private loans are eligible (although a handful of lenders accept both private and federal student loans).
    • You’re offered a new interest rate based on your current financial situation, including your credit score (which means those loans are being refinanced as well as being consolidated).
    • If you qualify for a lower interest rate, you may be able to reduce your monthly payments or shorten payment term, and you can save a significant amount of money on total interest.

    Okay, so we’ve established that certain lenders will allow you to consolidate your private and federal loans together. Now let’s talk about whether that option is right for you.

    Check Credit Before Paying Down Student Loans Get your free Credit Score & personalized Action Plan. See where you stand & learn ways to better manage your score before paying down your student loans. Free and updated every 30 days.

    When Refinancing Federal Loans Is a No-Brainer

    The interest rates on federal loans are all one-size-fits-all numbers determined by Congress, so everyone gets the same rate for the same type of loan regardless of their unique financial situations. This can be advantageous for some borrowers – for example, undergrads who have little-to-no credit history and income. But borrowers whose finances and credit improve after graduation may find they’re eligible for lower rates through a private lender. This is particularly the case for mature borrowers who take out higher-rate federal unsubsidized or PLUS loans for graduate, MBA or professional degree programs. (You can see how your credit standing affects your cost of debt over time using this calculator .)

    Unfortunately, many borrowers who would qualify to refinance don’t even realize the option exists for federal loans – mostly because it only became available in the past few years. But as awareness grows, so does the number of borrowers who take advantage of refinancing. In fact, the majority of SoFi’s $1 billion in funded loans is made up of refinanced federal student loan debt. (Full disclosure: I work for SoFi.)

    Before refinancing federal loans, it’s important to note that some of these loans have features that don’t transfer to private lenders through the refinancing process. There are three main examples:

    • Deferment/forbearance. Some (but not all) private lenders have a forbearance option in the case of unforeseen financial hardship, for example if you’re laid off from your job. The details of each lender’s offering will be different, so it’s good to learn what it is before refinancing.
    • Income- driven repayment. Many federal loans offer the option of an income-based repayment plan, such as Pay As You Earn (PAYE), which allows you to make reduced monthly payments based on your income level. Most borrowers who qualify to refinance with a private lender at a lower rate don’t typically benefit from this program because their income is too high, but if you’re unsure, you should do the math on your own loans before refinancing.
    • Potential loan forgiveness. The three most common forgiveness options are for borrowers who teach, work in the public sector or participate in one of the aforementioned income-driven plans. You’ll want to read up on these forgiveness options to see if you qualify before refinancing federal loans.

    Bottom line? If your priority is saving money, then refinancing both federal and private loans can be a great strategy. The benefits of consolidating – simplifying your life with one monthly bill and payment – are simply an added bonus.

    This article is intended to provide useful information about personal finance, but it is not intended to provide legal, investment or tax advice.

    More on Student Loans:

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    Dan Macklin is one of the founding members of SoFi. a marketplace lender that offers student loan refinancing, personal loans and mortgages. He is a thought leader whose perspectives on education debt and personal finance have been featured in a variety of media outlets including CNBC, ABC, Fox Business and Fast Company, as well as his personal favorite, Italian Vogue!

    Comments on articles and responses to those comments are not provided or commissioned by a bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by a bank advertiser. It is not a bank advertiser’s responsibility to ensure all posts and/or questions are answered.

    Please note that our comments are moderated, so it may take a little time before you see them on the page. Thanks for your patience.

    http://www.Credit.com/ Gerri Detweiler



    Options For Private Student Loan Repayment #payday #loans #uk


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