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Study loan, study loan.#Study #loan


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Loan Repayment – Study Assist, study loan.#Study #loan


StudyAssist

Information for students about government assistance for financing tertiary study.

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

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

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

How much do I owe?

You can now view your HELP debt, confirm your payment reference number (PRN) and view payment options online via the myGov website. To access this online services for individuals, you need to create a myGov account linked to the ATO (opens in a new window).

Alternatively, you can contact the ATO on 13 28 61 to find out the balance of your HELP debt. Be sure to have your tax file number (TFN) handy when you call. The ATO will ask you for it for security purposes before they disclose any personal information to you.

When do I have to repay my HELP debt?

You have to start repaying your HELP debt through the taxation system once your repayment income is above the compulsory repayment threshold, even if you are still studying. The compulsory repayment threshold is adjusted each year. The compulsory repayment threshold for the 2015-2016 income year is $54,126 and the compulsory repayment threshold for the 2016-2017 income year is $54,869.

Repayment income is calculated from the amounts given on your income tax return for:

  • your taxable income;
  • reportable fringe benefits (reported on your payment summary);
  • total net investment loss (which includes net rental loss);
  • reportable super contributions; and
  • exempt foreign employment income amounts.

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How much will my repayments be?

The amount you repay each year is a percentage of your income. The percentage increases as your income increases, so the more you earn, the higher your repayment will be. The ATO will calculate your compulsory repayment for the year and include it on your income tax notice of assessment.

Will I be charged interest?

Can I pay off my debt sooner?

Yes. You can make a voluntary repayment to the ATO at any time and for any amount. Voluntary repayments are in addition to the compulsory repayments made through your tax return.

You can find more information on voluntary repayments here.

Note: The 5% voluntary repayment bonus ceased on 1 January 2017.

How do I make a voluntary repayment?

You can make a voluntary repayment by BPAY or direct credit, credit card or by posting a cheque to the ATO. To make a voluntary repayment you will need your PRN. You can contact the ATO on 13 28 61 for further information on how to make your voluntary payment or visit ATO voluntary repayments.

The HELP voluntary repayment bonus was removed on 1 January 2017.

  • checking your PRN from previous ATO notices or payment slips,
  • asking your tax agent
  • phoning 1800 815 886, 8.00am–6.00pm, Monday to Friday, or
  • emailing your request to:[email protected]

You will have different PRNs for different types of tax, for example income tax and HELP debt. Make sure you use your HELP PRN to make a voluntary repayment on your HELP debt.

Once you have your PRN, and have selected your payment option, check out the ATO How to pay webpage ATO how to pay.(opens in a new window)

You can contact the ATO on 13 28 61 for further information on how to make your voluntary payment or visit ATO voluntary repayments ATO voluntary repayment webpage.

What happens if I can’t afford the repayments?

If you believe that making your compulsory repayment would cause you serious financial hardship or there are other reasons why you should not have to make a compulsory repayment, you can apply to the ATO to defer your repayment. You will need to complete the Deferring your compulsory HELP, HECS or Financial Supplement repayment form, which is available on the ATO website (opens in a new window). The form asks for a detailed statement of your household income and expenditure to justify your claim of serious hardship.

The ATO will write to say whether your application is successful. If you are unhappy with the decision, you may apply to have it reviewed within 28 days of receiving the notice. If, after the review, you still believe the ATO has made the wrong decision, you may then apply to the Administrative Appeals Tribunal (AAT) for a review. You need to lodge your application with the AAT within 28 days of the day you receive the outcome of the ATO’s review.

For more information on applying to defer a compulsory repayment, contact the ATO.

What happens if I go bankrupt?

Accumulated HELP debts are not provable under the Bankruptcy Act 1966. This means you will have to pay it as if you had not been declared bankrupt.

Can I get my HELP debt remitted?

Please see Re-crediting a HELP debt for information about having your HELP debt remitted (cancelled).

What happens to my HELP debt if I die?

A trustee or executor needs to lodge all outstanding tax returns on behalf of a deceased person, up to the date of the person’s death. A deceased person’s estate is only liable to repay any compulsory HELP repayment amounts that relate to their income in the period before the person’s death. Any remaining HELP debt is cancelled upon the person’s death.

Neither the deceased person’s family nor the trustee is required to pay the rest of the accumulated HELP debt.

Need more information?

Contact the ATO on 13 28 61 or visit the ATO website (opens in a new window). The ATO will ask you for your tax file number before they disclose any personal information to you. International callers should phone +61 2 6216 1111 and ask for the HELA Unit or fax +61 2 6216 7771.



Study in Taiwan, study loan.#Study #loan


Study in Taiwan

Fun in Taiwan

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Taiwan is a modern, free, democratic society whose people are hardworking, fun-loving, educated and friendly. While eagerly embracing the future, the people of Taiwan hold onto traditional values and ideals. The family, including ancestors, is of utmost importance; education and scholarship are held in high esteem. Traditional forms of writing, architecture and art are part of everyday life. Yes, in Taiwan the ancient and modern, traditional and new are seamlessly woven together, creating a fascinating, dynamic society like no other in the world.

  • Study loanFirst ∣ A Perfect Place to Learn Chinese
  • Study loanSecond ∣ A Repository of Chinese Culture
  • Study loanThird ∣ Learn Complete, Traditional Chinese Characters
  • Study loanFourth ∣ An Excellent Environment for Learning Chinese
  • Study loanFixth ∣ Available Scholarships
  • Study loanSixth ∣ A Free and Democratic Society
  • Study loanSeventh ∣ Easy to Reach, A Great Place to Travel
  • Study loanEighth ∣ High Standard of Living
  • Study loanNinth ∣ Test of Chinese as a Foreign Language (TOCFL)
  • Study loanTenth ∣ Work While You Study

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Study in Taiwan

Learning plus adventure!

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Elite Study in Taiwan

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Taiwan Quality Institution Directory

Results of institutions, programs and overseas accreditation, as well as international affairs are provided here at Taiwan Quality Institution Directory, TQID.

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English Programs

All English, high quality, no Chinese barrier

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Meet the Students

“Meet the Students” will be available by 5/15

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Publications

Download the latest Publications of SIT

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Scholarships

See more scholarship information

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Taiwan has an outstanding higher education system that provides opportunities for international students to study a wide variety of subjects, ranging from Chinese language and history to tropical agriculture and forestry, genetic engineering, business, semi-conductors and more. Chinese culture holds education and scholarship in high regard, and nowhere is this truer than in Taiwan. In Taiwan you will experience a vibrant, modern society rooted in one of world’s most venerable cultures, and populated by some of the most friendly and hospitable people on the planet. A great education can lead to a great future. What are you waiting for? Come to Taiwan and fulfill your dreams. There are many reasons international students will find Taiwan an exciting and rewarding place to pursue their education.

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Funding for postgraduate study, study loan.#Study #loan


Funding for postgraduate study

You can get funding for postgraduate study through loans, studentships, bursaries and grants – you might also get help from your employer.

Search for postgraduate funding on the Scholarship Search or Prospects websites.

Postgraduate Loan for master’s degrees

If you’re starting a master’s course, you can apply for a Postgraduate Loan of up to £10,280 to help with course fees and living costs.

Studentships

Studentships are postgraduate positions that have funding attached for fees, living expenses or both. They’re mainly funded by Research Councils UK.

Teacher training, social work, medical and healthcare courses

You can apply for funding for:

Graduate-entry medical students can also get support from Student Finance England for fees charged over £3,465.

Charities and trusts

Charities and trusts sometimes provide grants, often for students from poorer backgrounds or those who’ve achieved academic excellence. Find out more at your local library in these publications:

  • the Educational Grants Directory
  • the Charities Digest
  • the Grants Register
  • the Directory of Grant Making Trusts

Learned societies

Societies sometimes offer funding for postgraduate or postdoctoral research. They include:

  • the British Academy (for humanities and social sciences – postdoctorate only)
  • the Royal Academy of Engineering (for engineering)
  • the Royal Society (for science – postdoctorate only)

Other help

You might be able to get funding from:

  • an individual – sometimes people donate awards to help postgraduates (these are usually offered through your university or college)
  • your employer – they might sponsor you if the course is relevant to your job
  • a Disabled Students’ Allowance
  • a Professional and Career Development Loan
  • the Student Awards Agency for Scotland if you’re from Scotland

Funding applications usually have to be in by the spring before you start studying in the autumn.



Student Loans South Africa – Approved Study Loans, study loan.#Study #loan


Student Loans – Approved Loans

A good education is your best bet for a bright future. With the high cost of education nowadays, it is getting harder to get into a decent school and get a rewarding job afterwards. What are your options then?

What is a student loan and is it necessary to get for enrolling in college?

Student loans are funds that are available to help finance your education. If you have enough savings to pay for school, then you do not need one

How does a student loan affect your credit?

Student loans affect your credit score like any other loans. As long as you pay on time, your credit should be fine.

Does a student loan and a bank loan affect your credit the same way?

They are both installment loans on your credit report. It is not advisable to take a bank loan since this is most likely not tax deductible like the student loan.

What happens to your credit score in you default on a student loan?

You can’t actually default in making payments. This doesn’t go away. While you may have stopped making payments, you will have to resume because it does not “age” off the credit reports, can not be discharged in bankruptcy and the interest keeps getting added to the outstanding balance.

Somebody with a huge outstanding student loan balance and no job to pay it off. can be set back decades in achieving their financial and social goals.

How do you fix a student loan that is over what you originally borrowed?

Have you exhausted all forbearance or deferment options? Or have you inquired about income-based payment plans? If you haven’t, this can be your first consideration.

What happens after your student loan application has been approved?

They usually don’t give you the money until right before the semester starts.

How does student loan forgiveness work?

Interest accumulates on any loan any time there’s a remaining balance.

Is it possible to get a student loan from a bank without a co-signer?

If you have a good credit history, it is possible to get a student loan without a co-signer. You should go to your bank and discuss this with your personal banker.

How can i get a student loan if i have bad credit?

For private student loans, you can only be approved on your own merit or you have to have a cosigner. Local banks might give you a loan but with a higher than normal interest rate.

Is there a difference between a regular loan and student loan?

Student loans don’t have to be paid until you finish school.

Loans have to be re-paid immediately with monthly payments.

What is the fastest way to get rid of student loan debt?

In order to attack this debt you first have to write out a budget and pay off your consumer debt on a “snowball method” which is you roll over the payments to the next step and add it to the minimum payment and that will add to the point it will be a big chunk of money to be applied to the student loan. But you have to really be diligent on getting this paid off. Otherwise it will take you forever.

Better to pay off student loan debt or invest in a home?

As long as you both have (relatively) stable employment, buy a home and buy one you can afford while paying on your loans. After awhile your student loans will be paid off and you’ll have equity in your house to upgrade to a bigger one if you want.

Is there a student loan available before actually enrolling in college?

No you can’t. And if you have any excess loan money you won’t get it until well after the semester has already started. at least 2 weeks in. Sometimes even longer depending on if you met the schools deadlines for turning all your paper work in.

How do I take out a private student loan?

Try to avoid private student loans unless you absolutely have to. They have higher interest rates, substandard extra fees, and require cosigners or good credit history.

I have a student loan payment but I want to go back to school. Is it possible to have my payments deferred?

Its possible, but most loan providers only let you defer it for the 4 years your in school, your going to have to contact your loan provider to see what there policy is if you go on to grad school.

How long do you have to pay off a student loan?

Budget your finances. It is essential to create a budget so you can keep track of how much money is coming into your bank account, and how much money you are paying to cover expenses. Identify areas in which you can cut back on spending. Consolidate your student loans. Ask for student loan payment deferrals if you are unable to make your student loan payments on time. Focus on paying off your student loan sooner than later. Check to see what tax benefits you can get from paying your student loan.

How can I lower my monthly student loan payments?

If you have been paying them on time, there should be a way. Call them and ask if it would be possible to combine all the loans to gather with one interest rate. and ask them what they can do to lower your Payments. if that dose not work go to a bank or a credit union and ask if they can help you by giving You a loan to pay off the loan and just have one payment to them.

Study now, pay later seems like a good thing. After seeing all the facts, you will know for yourself if a study loan is the product for your requirements. One thing is for sure though –a good education is your guarantee for success.

Providers of study loans in South Africa

higher education is very important for securing your future, and that is why many south africans are keen to study further after completing high school. however, tertiary education can be very expensive, especially for the majority of people who need the education, but simply cannot afford it. this is primarily why study loans in south [ ]

Do you qualify for online loans in South Africa?

There has been an increase in providers of online loans in south africa over the last few years. they have managed to successfully assist thousands of people in need of financial assistance with quick and easy loans. one of the reasons why online loans have been successful is that many people have easy access to [ ]

Career development solutions | Bank student loans

tertiary education is very important for securing your future in today s competitive world. however, it is often very expensive to pursue one s dreams and those not fortunate to qualify for scholarships or bursaries may need to apply for bank student loans. these prove to be most helpful in allowing would-be students to pay for their [ ]

Best Study Loans Options for a Brighter New Year

so you’ve chosen to further your studies in the new year? that’s probably the best decision you can make for your future, but the future seems a long way away – doesn’t it? in fact, you’re probably wondering how you will accumulate the money to pay for your studies. working and studying at the same [ ]

Student Loans for a Brighter Future

although bursaries and other forms of grants are always the preferred form of financial aid, a lot of students don’t have this luxury and have to rely on student loans. to most students a student loan can help them to concentrate on studying rather than worrying about sourcing of funds. this article analyses the advantages [ ]

Secure a Brighter Future with Student Loans

student loans remain a popular option for many young people aspiring entrepreneurs, leaders, academics and so on to secure a brighter future. higher education unlocks the door to endless possibilities, which is why finding finance for a degree or diploma has become an important issue for thousands of parents and prospective students alike. [ ]

Paying Off Your Student Loans Fast

Study loan

you are now a one of the fresh graduates out to conquer the world. before you set your sights in climbing the career ladder, don’t be weighed down by your student loans first. take time to study your options in how you can quickly pay off the loans so you can be on your way [ ]

A Word on Borrowing and Repaying Student Loans

Study loan

you need to bridge that college education funds gap. you find out about student loans and wonder if this is right for you. here are some tips that might help you borrow sensibly. it is still borrowing isn’t it? a student loan is still a loan even if you don’t have to pay the loan [ ]

Dos and Don’t s of Student Loans

Study loan

getting a student loan for the first time can be quite a challenge. it is new and the fate of your future education rests in the hands of a private lender or the government. you need help. a student loan is expensive and you don’t just sign a lot of papers and head straight to [ ]

Student Loans Primer

Study loan

are you thinking of getting a student loan to pay for your college education? learn the facts first on student loans so you will pass and succeed with flying colors. accrued interest-interests on student loans are accrued over time default rate-a student is in default when he or she hasn’t kept up with payments. the [ ]



Student Loans South Africa – Approved Study Loans, study loan.#Study #loan


Student Loans – Approved Loans

A good education is your best bet for a bright future. With the high cost of education nowadays, it is getting harder to get into a decent school and get a rewarding job afterwards. What are your options then?

What is a student loan and is it necessary to get for enrolling in college?

Student loans are funds that are available to help finance your education. If you have enough savings to pay for school, then you do not need one

How does a student loan affect your credit?

Student loans affect your credit score like any other loans. As long as you pay on time, your credit should be fine.

Does a student loan and a bank loan affect your credit the same way?

They are both installment loans on your credit report. It is not advisable to take a bank loan since this is most likely not tax deductible like the student loan.

What happens to your credit score in you default on a student loan?

You can’t actually default in making payments. This doesn’t go away. While you may have stopped making payments, you will have to resume because it does not “age” off the credit reports, can not be discharged in bankruptcy and the interest keeps getting added to the outstanding balance.

Somebody with a huge outstanding student loan balance and no job to pay it off. can be set back decades in achieving their financial and social goals.

How do you fix a student loan that is over what you originally borrowed?

Have you exhausted all forbearance or deferment options? Or have you inquired about income-based payment plans? If you haven’t, this can be your first consideration.

What happens after your student loan application has been approved?

They usually don’t give you the money until right before the semester starts.

How does student loan forgiveness work?

Interest accumulates on any loan any time there’s a remaining balance.

Is it possible to get a student loan from a bank without a co-signer?

If you have a good credit history, it is possible to get a student loan without a co-signer. You should go to your bank and discuss this with your personal banker.

How can i get a student loan if i have bad credit?

For private student loans, you can only be approved on your own merit or you have to have a cosigner. Local banks might give you a loan but with a higher than normal interest rate.

Is there a difference between a regular loan and student loan?

Student loans don’t have to be paid until you finish school.

Loans have to be re-paid immediately with monthly payments.

What is the fastest way to get rid of student loan debt?

In order to attack this debt you first have to write out a budget and pay off your consumer debt on a “snowball method” which is you roll over the payments to the next step and add it to the minimum payment and that will add to the point it will be a big chunk of money to be applied to the student loan. But you have to really be diligent on getting this paid off. Otherwise it will take you forever.

Better to pay off student loan debt or invest in a home?

As long as you both have (relatively) stable employment, buy a home and buy one you can afford while paying on your loans. After awhile your student loans will be paid off and you’ll have equity in your house to upgrade to a bigger one if you want.

Is there a student loan available before actually enrolling in college?

No you can’t. And if you have any excess loan money you won’t get it until well after the semester has already started. at least 2 weeks in. Sometimes even longer depending on if you met the schools deadlines for turning all your paper work in.

How do I take out a private student loan?

Try to avoid private student loans unless you absolutely have to. They have higher interest rates, substandard extra fees, and require cosigners or good credit history.

I have a student loan payment but I want to go back to school. Is it possible to have my payments deferred?

Its possible, but most loan providers only let you defer it for the 4 years your in school, your going to have to contact your loan provider to see what there policy is if you go on to grad school.

How long do you have to pay off a student loan?

Budget your finances. It is essential to create a budget so you can keep track of how much money is coming into your bank account, and how much money you are paying to cover expenses. Identify areas in which you can cut back on spending. Consolidate your student loans. Ask for student loan payment deferrals if you are unable to make your student loan payments on time. Focus on paying off your student loan sooner than later. Check to see what tax benefits you can get from paying your student loan.

How can I lower my monthly student loan payments?

If you have been paying them on time, there should be a way. Call them and ask if it would be possible to combine all the loans to gather with one interest rate. and ask them what they can do to lower your Payments. if that dose not work go to a bank or a credit union and ask if they can help you by giving You a loan to pay off the loan and just have one payment to them.

Study now, pay later seems like a good thing. After seeing all the facts, you will know for yourself if a study loan is the product for your requirements. One thing is for sure though –a good education is your guarantee for success.

Providers of study loans in South Africa

higher education is very important for securing your future, and that is why many south africans are keen to study further after completing high school. however, tertiary education can be very expensive, especially for the majority of people who need the education, but simply cannot afford it. this is primarily why study loans in south [ ]

Do you qualify for online loans in South Africa?

There has been an increase in providers of online loans in south africa over the last few years. they have managed to successfully assist thousands of people in need of financial assistance with quick and easy loans. one of the reasons why online loans have been successful is that many people have easy access to [ ]

Career development solutions | Bank student loans

tertiary education is very important for securing your future in today s competitive world. however, it is often very expensive to pursue one s dreams and those not fortunate to qualify for scholarships or bursaries may need to apply for bank student loans. these prove to be most helpful in allowing would-be students to pay for their [ ]

Best Study Loans Options for a Brighter New Year

so you’ve chosen to further your studies in the new year? that’s probably the best decision you can make for your future, but the future seems a long way away – doesn’t it? in fact, you’re probably wondering how you will accumulate the money to pay for your studies. working and studying at the same [ ]

Student Loans for a Brighter Future

although bursaries and other forms of grants are always the preferred form of financial aid, a lot of students don’t have this luxury and have to rely on student loans. to most students a student loan can help them to concentrate on studying rather than worrying about sourcing of funds. this article analyses the advantages [ ]

Secure a Brighter Future with Student Loans

student loans remain a popular option for many young people aspiring entrepreneurs, leaders, academics and so on to secure a brighter future. higher education unlocks the door to endless possibilities, which is why finding finance for a degree or diploma has become an important issue for thousands of parents and prospective students alike. [ ]

Paying Off Your Student Loans Fast

Study loan

you are now a one of the fresh graduates out to conquer the world. before you set your sights in climbing the career ladder, don’t be weighed down by your student loans first. take time to study your options in how you can quickly pay off the loans so you can be on your way [ ]

A Word on Borrowing and Repaying Student Loans

Study loan

you need to bridge that college education funds gap. you find out about student loans and wonder if this is right for you. here are some tips that might help you borrow sensibly. it is still borrowing isn’t it? a student loan is still a loan even if you don’t have to pay the loan [ ]

Dos and Don’t s of Student Loans

Study loan

getting a student loan for the first time can be quite a challenge. it is new and the fate of your future education rests in the hands of a private lender or the government. you need help. a student loan is expensive and you don’t just sign a lot of papers and head straight to [ ]

Student Loans Primer

Study loan

are you thinking of getting a student loan to pay for your college education? learn the facts first on student loans so you will pass and succeed with flying colors. accrued interest-interests on student loans are accrued over time default rate-a student is in default when he or she hasn’t kept up with payments. the [ ]



Loan Processor Certification and Certificate Program Overviews, study loan.#Study #loan


Loan Processor Certification and Certificate Program Overviews

Community colleges and vocational schools offer loan processing certificate programs, which equip students with the skills needed in dealing with loan applications. Individuals who meet education and experience requirements may opt for certification.

Essential Information

Loan processor certificate programs provide a basic overview of the real estate and banking industries while also supplying practical knowledge of how to process a mortgage loan application. While most loan processors only determine the accuracy and quality of a loan application, loan processor certificate programs often cover the entire loan approval process, including loan underwriting, brokerage, and closing. The educational prerequisites necessary to gain enrollment into a loan processor certificate program vary by the school or organization hosting it, but the primary prerequisite is often a high school diploma or its equivalent.

Find schools that offer these popular programs

  • Banking Related Services
  • Credit Management
  • Financial Mgmt Services
  • Financial Planning Services
  • International Finance
  • Investments and Securities
  • Public Finance Mgmt

Loan Processor Certificate Program

Students in a loan processor certificate program should have a strong attention to detail and an aptitude for mathematics. Examples of courses include:

  • Loan processing ethics
  • Real estate law
  • Real estate fraud
  • Escrow
  • Loan underwriting
  • Brokerage and banking

Popular Career Options

Individuals who earn this certificate are qualified to work in a variety of loan-granting organizations. Loan processors can find work in:

  • Banks
  • Brokerage firms
  • Real estate companies
  • Mortgage lending firms
  • Financial institutions

Employment Outlook and Salary Info

Mortgage loan processors are responsible for reviewing incoming residential loan applications, verifying their accuracy and passing them along to loan underwriters. While the U.S. Bureau of Labor Statistics doesn’t provide information specific to loan processors, the closely related field of loan officers was projected to see an 8% increase in employment opportunities from 2014-2024. The mean annual wage for this field was $75,170 as of May 2015.

Certification and Continuing Education

Loan processors are not strictly required to gain certification, but the National Association of Mortgage Processors (NAMP) does offer certification options to professionals in the field. The organization offers three credentials: the Certified Purple Processor (CPP) for loan processors just starting out in the field, the Certified Master Loan Processor (CMLP) for loan processors with at least five years of professional experience or the Certified Ambassador Loan Processor (CALP) for professionals who have at least 15 years of work experience.

Certificate programs in loan processing provide training in all the tasks involved to successfully handle credit requests and applications. Obtaining a certificate allows students to gain employment in various institutions and eventually apply for the voluntary professional certification offered by the NAMP.



How to Become a Loan Broker, study loan.#Study #loan


How to Become a Loan Broker

Learn how to become a loan broker. Research the job description and the education and licensing requirements and find out how to start a career in real estate finance.

Should I Become a Loan Broker?

Loan brokers and loan officers act as client representatives and advisers for real estate loan transactions. They work closely with banks to originate loans, qualify a client, recommend approvals, and facilitate the entire transaction process. Loan brokers mainly handle residential or commercial real estate loans, representing people or businesses.

Find schools that offer these popular programs

  • Banking Related Services
  • Credit Management
  • Financial Mgmt Services
  • Financial Planning Services
  • International Finance
  • Investments and Securities
  • Public Finance Mgmt

Career Requirements

Sources: U.S. Bureau of Labor Statistics (May 2014), O Net OnLine, Job postings by employers (October 2012)

Step 1: Earn a Bachelor’s Degree

Although not formally required to become a loan broker or loan officer, earning a bachelor’s degree might improve job prospects and salary negotiations. Completing the degree in a relevant field, such as finance, business or economics, can give an individual the financial background necessary to become a successful loan broker and display a candidate’s dedication to prospective future employers. Once an individual has completed a 4-year bachelor’s degree program, he or she can go on to take approved courses designed specifically for licensure.

Success Tips:

  • Develop excellent communication skills. Loan brokers and officers need excellent verbal and writing skills to communicate effectively with clients, coworkers and other business affiliates. A student enrolled in a bachelor’s degree program can opt to take courses in communications, public speaking or writing to improve his or her communication abilities.
  • Gain work experience in the field. If a student plans to work while completing his or her undergraduate degree, getting a job in the financial services industry through internships or paid positions can help build field experience and assist with future career prospects. Working in related businesses might also help a student with networking opportunities.

Step 2: Complete a Loan Broker Training Course

Although states have varying requirements for loan broker licensure, federal law as of 2008 mandated the Mortgage Loan Originator (MLO) license for any residential loan broker or officer that provides client services. To earn the license, an individual needs to complete 20 hours of approved coursework that is usually offered online. Some typical areas of study include federal law, ethics and non-traditional mortgage lending. The course is designed to be completed in a short period of time, usually between three days to a week. Once the training is complete, a student is ready to get licensed.

  • Complete MLO license training during bachelor’s program. A student may opt to complete the MLO license training while still enrolled in a 4-year bachelor’s program to save time. For example, the 20 hours of training might be completed during a student’s summer session to give him or her a head start.

Step 3: Get and Maintain MLO License

After completing the education necessary for licensure, the final step entails successfully passing a national exam. Some states may also require passing an additional state exam. Finally, a licensee must pass criminal background and credit history checks. Failing to meet these background requirements can delay or prevent an individual from getting the license.

The MLO license needs to be renewed every year, and many states require the completion of continuing education to qualify for license renewal. Continuing education typically involves revisiting topics in ethics, such as fair lending, consumer protection and fraud.

Step 4: Consider Voluntary Certification

After becoming formally licensed, a loan broker is eligible for voluntary certification. Certifications are offered through various non-profit organizations, including the American Bankers Association and the Mortgage Bankers Association. In general, eligibility requirements include completing an approved training program and may also require proof of at least two years of industry work experience and a professional reference letter. The final step for most certifications is to successfully pass an exam. Maintaining or renewing certifications can entail completing approved continuing education.



International Student Loans, Study abroad loans #embrace #home #loans


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International Students

Sallie Mae ® Smart Option Student Loan ® 1

If you are an international student, you and your cosigner can apply online by clicking above. Or, learn more about the Smart Option Student Loan.

Call us

Encouraging Responsible Borrowing

1 You must attend a participating school or have attended one in an eligible prior enrollment period. You must be a U.S. citizen or a permanent resident or a Non-U.S. citizen borrower who is attending or has attended a school located in the U.S. applying with a creditworthy cosigner (who must be a U.S. citizen or permanent resident) and required U.S. Citizenship and Immigration Service (USCIS) documentation. U.S. citizens and permanent residents enrolled in eligible study abroad programs or who are attending or have attended schools located outside the U.S. are also eligible. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.

Smart Option Student Loans, Bar Study Loans, Residency and Relocation Loans, and Career Training Smart Option Student Loans are made by Sallie Mae Bank or a lender partner.

WE RESERVE THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE. CHECK SALLIEMAE.COM FOR THE MOST UP-TO-DATE PRODUCT INFORMATION.

Sallie Mae, Smart Option Student Loan, Bar Study Loan, Residency and Relocation Loan, Career Training Smart Option Student Loan and the Sallie Mae logo are service marks or registered service marks of Sallie Mae Bank or its subsidiaries.



Study Shows Blacks, Hispanics Charged Higher Auto Loan Rates #refinance #rates


#car loan interest rates
#

Study Shows Blacks, Hispanics Charged Higher Auto Loan Rates

By Michelle Singletary

It’s probably fair to say that most car buyers know they don’t have to pay the manufacturer’s suggested retail price on a new car. We know the deal: The vehicle price is negotiable at dealerships where haggling is still the industry norm.

But for many borrowers, that same knowledge needs to carry over to the interest rate they pay to finance a vehicle. This is particularly true for African-Americans.

An analysis of the most recent Federal Reserve Board’s Survey of Consumer Finances data, completed on behalf of the Consumer Federation of America (CFA), found that in 2004, African-American car buyers paid much higher loan rates on new and used autos than white Americans.

On 2004 loans for new car purchases, blacks paid a median interest rate of seven percent, compared with five percent for white borrowers and 5.5 percent for Hispanic borrowers. On used car loans, African-Americans and Hispanics both received considerably higher interest rates. The median rates for African-Americans and Hispanics were 9.5 and nine percent respectively, compared with 7.5 percent for whites.

Additionally, CFA found that more African-Americans paid auto loan rates of at least 15 percent. For new car loans, six percent of African-American borrowers paid 15 percent or more, compared with just 1.7 percent for whites and 1.8 percent for Hispanics. On used car loans, 27 percent of black borrowers and 18.5 percent of Hispanic borrowers paid 15 percent or more, compared with only 9.2 percent of white borrowers, the analysis found.

For CFA, the findings suggest possible discrimination. It is likely that most of the difference in rates reflects disparate treatment, said Stephen Brobeck, CFA’s executive director.

An industry representative challenged CFA’s conclusion. The data do not contain the necessary information regarding a host of variables that have direct and substantial impact on the rates, including, most notably, the borrower’s creditworthiness, and prevailing rates at the time the credit was issued, said David Hyatt, vice president of public affairs for the National Automobile Dealers Association.

And yet expert research in 11 class-action lawsuits against major auto finance companies and banks found that blacks and Hispanics were consistently charged higher interest rates on their loans even when there was little difference in such factors as amount financed, term of loan and, most important, creditworthiness, said Stuart Rossman, director of litigation for the Boston-based National Consumer Law Center (NCLC), which was a co-counsel in all the lawsuits.

The NCLC charged that the finance companies and banks put in place policies that allowed car dealers to mark up the interest rates on auto loans to minorities based on subjective criteria unrelated to their credit risk. All the cases have been settled the most recent in March without the lenders acknowledging any wrongdoing.

When a consumer asks the dealer to arrange financing, the loan is not made by the dealer. Instead, the dealer is acting only as a middleman, sending the consumer’s credit application to a lender, which may include a bank or finance company owned by the automobile manufacturer. Taking into account that person’s credit history and other information, a lender approves the finance application for a certain annual percentage rate known as the buy rate.

Generally, the consumer does not know their buy rate and doesn’t know the interest rate may have been marked up, Rossman said.

Let’s look at this in real dollars. Suppose the car you want to buy costs $28,000. Currently the national average interest rate on a 48-month new car loan is 6.9 percent, according to bankrate.com. At that rate over the life of the auto loan, you would pay about $4,100 in interest. If the rate is kicked up to 15 percent, the total interest would be $9,400.

Dealers defend markups as legitimate compensation for helping to arrange loans. But there is a difference between a fair profit and gouging. Certain borrowers should be charged a higher interest rate if their credit history and other factors indicate they’re a risk. But arbitrarily increasing a loan’s interest rate based on someone’s skin color, national origin and yes, even naivete, is despicable.

The CFA data are a picture of what was happening before the recent lawsuit settlements. Let’s see how things change once the terms of those settlements go into full effect. For example, consumers will have to be told in writing that their financing is negotiable. The settlements also impose markup caps that range from 1.5 to 2.5 percentage points depending on the length of the loan, Rossman said.

We hope that the many lawsuit settlements will reduce the disparity significantly, Brobeck said.

So how do you get the best financing deal?

All consumers, not just African-Americans, need to protect themselves by getting an auto loan rate quote from their own bank or credit union before they go shopping for a car, Brobeck said.

Notice he said before you set a foot onto the car lot or go online to shop for a car. If you don’t follow that advice, you’re likely to pay more for your auto loan than your risk profile suggests.



Business Analyst Interview Questions and Tips #business #analyst #study #material


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Business Analyst Interview Questions and Tips

William King / Getty Images

Updated May 21, 2017

A business analyst s core role is the ability to understand a company s operations and goals and make suggestions for improvement. While the specific responsibilities and mission for business analyst positions vary from one company to another, there are a number of questions that you re likely to be asked in any business analyst interview.

These questions include a combination of behavioral interview questions. along with inquiries relating to business analyst terms and those that test your skills as a business analyst.

You will need to be able to construct complete answers, with anecdotes from your career that show successes related to the topics you are asked about.

During your interview preparation, it’s a good idea to take a careful look at the job posting, and analyze the criterion they mention they are seeking in an employee. Do your best to match your skills and experiences to the specifications listed, so you can present yourself as a highly qualified candidate for the position. It can be helpful to review key business analyst skills they will be looking for, and come up with examples of how you have used them in practice.

Business Analyst Interview Questions

  • What analysis and modeling techniques and methodologies have you found to be the most effective, and why?
  • What are some of the most important points a business analyst must take care of when preparing a business plan?
  • What diagrams and/or other materials do you use to capture and describe customer needs and convey technical information?
  • How many business case engagements have you worked on? What was your involvement?
  • Tell me about a time when you created long-range plans at a previous employer.
  • How do you determine which Business Intelligence (BI) tools to use? Which have you worked with?
  • If two companies are merging, explain what tasks you would implement to make the merge successful, and how you would implement those tasks.
  • Explain the steps you must take to create use cases when working with specific document requirements.
  • Tell me about a time when you ve had to work with difficult stakeholders, and how you handled it.
  • Describe three of the different types of diagrams that business analysts most often use.
  • Define and describe the difference between basic flow, exception flow, and alternate flow in use cases.
  • Tell me about how you usually approach a project.
  • How have you handled stakeholders who were difficult?
  • Can you define the diagrams that business analysts use?
  • Why do you think flowcharts are important?
  • Where do you see the role of a business analyst fitting into an organization?
  • What is your requirement elicitation strategy?

Questions About Business Analyst Terms

  • Define application usability.
  • What is Pareto Analysis?
  • What steps are necessary to turn an idea into a product?
  • What does BPMN stand for? What is BPMN Gateway?
  • Explain CAP Analysis.
  • What does INVEST stand for and what does it do?
  • What is meant by an alternate flow in a use case?
  • Tell me what you know about scope creep.
  • Describe the difference between a business requirement document (BRD) and functional requirement document (FRD).
  • Explain the difference between an analysis model and a design model.

More Business Analyst Interview Tips

Before you arrive at your interview, make sure that you have spent enough energy getting ready to interview. Preparing yourself for the most common business analyst job interview questions is only part of the challenge. Choose what you are going to wear to the interview ahead of time, and make sure it’s cleaned, pressed and ready to go the night before.

Have a briefcase or portfolio set with the items you re bringing with you. so you’re not scrounging a working pen at the last minute. Leave plenty of time to get to the interview 10 to 15 minutes early, and take into account your transportation and parking plans. Paying attention to these seemingly small details is important in making the best possible impression on the hiring manager.

Be sure that you re ready to sell yourself effectively during the interview by spending time thoroughly researching the company, and coming up with questions to ask the employer as well.

In addition to specific topics related to business analysis, you’ll also likely be asked some general interview questions. so spend some time thinking about how to answer these as well. You will be much more confident, and likely to move ahead in the hiring process when you take the time to thoroughly prepare for your interview for a business analyst position.

More Interview Resources

Preparing yourself for the most common business analyst job interview questions is only part of the challenge. Be sure that you re ready for the interview with these comprehensive resources.

More Interview Questions and Answers
Common job interview questions, plus sample answers you can use to practice for a job interview.

Questions to Ask the Employer
Come prepared with a well-researched list of questions to ask. Here are interview questions to ask the employer, as well as questions you shouldn t ask an interviewer during a job interview.



Psychology study online #psychology #study #online


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Psychology

In psychology, we explore the human mind, behaviour and emotions, because we want to make a difference. We care for people and seek knowledge with the aim of providing meaningful help and support. Studying psychology opens doors to students interested in a wide range of work opportunities, from clinical treatment to fieldwork in communities in need, as well as legal, government and corporate professions.

Disciplines within psychology

All disciplines Undergraduate Postgraduate Coursework Higher Degrees Research Other (Non-Award)

Courses within Psychology

Undergraduate

Postgraduate

Research

Learn in the real world

Experience is invaluable, because in psychology we draw on the ‘human element’: the ability to listen and empathise. At Deakin, we emphasise learning from real life, and we make this possible through our unique partnerships, peer-mentoring and transition-to-work activities.

You’ll have opportunities to undertake work experience while you complete your course.

The School of Psychology has valuable links with workplace partners, so you can graduate with a resume already full of real-life experience.

Study where it suits you

Study where you want to live: the Melbourne Burwood Campus, the Geelong Waterfront Campus, the Geelong Waurn Ponds Campus, the Warrnambool Campus. Or, even online through our Cloud Campus.

As a research student, doors will open to collaborations with our external partners including industry, hospitals, businesses, local communities and support centres.

Our expert supervisors will guide your enquiry into human behaviour and help you make your mark in the research world.



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


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Business and Office Career Courses

ISACA Certified Information Systems Auditor (CISA)

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

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

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

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

� Course Duration: 3 Months

Learning Segments

CISA: Certified Information Systems Auditor

Overview

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

Free Catalogue Download

Free Career Path Download



Teesside University – Postgraduate study – Psychology (Top-up), Doctorate #undergraduate, #study, #courses, #course, #psychology, #doctorate, #psychology #(top-up)


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Doctorate Psychology (Top-up)

More information

If you currently have Registered Practitioner Status at master’s level, this course provides you with the opportunity to study theory and research related to a specialised area of psychology to doctorate level. The production of the advanced independent work also allows you to enhance your understanding of conducting research and of the ethical issues involved in this process

If you currently have Registered Practitioner Status at master’s level, this course provides you with the opportunity to study theory and research related to a specialised area of psychology to doctorate level. The production of the advanced independent work also allows you to enhance your understanding of conducting research and of the ethical issues involved in this process.

This programme is designed for applied psychologists who are already qualified and practising with the primary aim of providing a continued professional development route to top-up applied psychologist’s level of qualification to doctorate level. The core philosophy of the programme is to develop applied psychologists advanced research knowledge and skills to doctoral standard, which will contribute to their growth as evidenced-based practitioners. The programme will enable you to engage with issues of importance to applied psychology practice and research in a manner that gives you responsibility for the focus of study and assessment, as is appropriate at this advanced level of study. The assessment strategies make use of your choice over the area of study to ensure that the subject of assessment is relevant to your own and/or your institution’s professional practice. This ensures an appropriate combination of academic study and professional focus as well as an understanding of a substantial body of knowledge at the forefront of psychological theory and practice.
The clinical expertise of the programme team is diverse, covering a broad range of specialist areas in psychology. The programme team embrace the research informed learning agenda of this academic programme and use their expertise within their specialist field and research to support you through your studies.

Modules

Stage 1 (12 months)

This module will assist you to ethically consider a research topic in applied psychology, critically appraise research knowledge in relation to the topic and to formulate research questions for your proposed study involving systematic review methods.

Stage 2 (18 months)

This modules provides the opportunity for applied psychologists to consolidate your learning experiences throughout the programme through a self-initiated research project that significantly contributes to the development of new knowledge within the context of applied psychology. In addition, skills necessary for publication of empirical work will be developed.

Modules offered may vary.

How you learn

You learn through lectures, small discussion groups and on-going individual supervision. The virtual learning environment is also used to provide learning resources for each module and an interactive learning environment to enable you to discuss materials with other students and the teaching staff.

How you are assessed

There is a variety of assessment methods used throughout the programme. These include an oral and written presentation of the research proposal, ethics submission and the production of a 35-40,000-word advanced independent work followed by a viva voce.

Career opportunities

The programme provides a route whereby psychologists who are fully licensed by the statutory regulator to practise as psychologists can top up their qualification to a doctorate award and develop advanced research methods skills.

Entry requirements

All applicants should have:

  • HCPC registration as a practitioner psychologist
  • a minimum of three years’ experience in current psychological practice.

You will be required to attend an interview for this course.

For additional information please see the entry requirements in our admissions section



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Study at the.
schools abroad

Levels Explained

Bachelor’s

A bachelor’s degree (also called a first degree or undergraduate degree) is attained after receiving a post-secondary (high school) education and generally spans four years. Students pursuing these types of degrees are commonly referred to as bachelor or undergraduate students. A bachelor’s degree is usually offered at an institution of higher education, such as a university.


  • Master’s

    A master’s degree (or postgraduate or graduate education) involves learning and studying for academic or professional degrees. This degree is preceded by a bachelor’s degree and generally takes two years to complete. Students pursuing these types of degrees are commonly referred to as master’s, or grad students.


  • Pathway

    Bachelor’s and master’s pathway programs are designed for international students who need additional English language and academic preparation before continuing to a degree program at a university. The purpose of these programs are to give students the confidence and skills needed to succeed in college.

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  • Online courses and career resources #online #courses, #distance #education, #resume #writing, #cover #letters, #career #resources, #study #bachelor #of #nursing #online


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    Study bachelor of nursing online

    Here’s how others rate Career FAQs:

    Looking for Nursing opportunities in Australia ?

    There are currently 6,949 Nursing job openings in Australia*. The average salary for a Nursing job in Australia is $50,050.

    The Australian Government Department of Employment estimates a projected employment growth to 2018 of 229,400 jobs for the Nursing industry in Australia .

    Gaining a Nursing qualification will significantly increase your career prospects for Nursing jobs in Australia. Studying an online course with an accredited Australian provider gives you the flexibility you need to study at your own pace.

    Employment in the Nursing industry in Australia

    Australia has a population of 23,625,031, with a total of 11,645,500 people currently employed. The average job seeker age for Australia is 37 years and the current unemployment rate sits at 5.7%. Part-time workers make up 46% of the workforce in Australia .

    Education in Australia

    • The percentage of people employed in Australia with a bachelor’s degree or higher qualification: 29%
    • The percentage of people employed in Australia with a cert III or higher VET qualification: 31%
    • The percentage of people employed in Australia without a post-school qualification: 36%


    Study loan #car #loan #interest #calculator


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    As of May 10, 2015 you must have a verified FSA ID (Username Password) instead of a PIN to log in to StudentLoans.gov.

    If you have a

  • If you have a PIN and link it when you create your FSA ID, your Social Security Administration (SSA) confirmation is applied to your FSA ID and you will be able to log in to StudentLoans.gov immediately.
  • If you do not have a PIN or do not link it when you create your FSA ID, your information will be confirmed with SSA. This takes one to three days. and you will receive an e-mail (if you provide one) when this is complete.

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  • ” id=”verifiedFsaIdToolTip”> verified FSA ID

  • If you have a PIN and link it when you create your FSA ID, your Social Security Administration (SSA) confirmation is applied to your FSA ID and you will be able to log in to StudentLoans.gov immediately.
  • If you do not have a PIN or do not link it when you create your FSA ID, your information will be confirmed with SSA. This takes one to three days. and you will receive an e-mail (if you provide one) when this is complete.

    Once SSA confirms your information, you will be able to use your FSA ID to log in to StudentLoans.gov.

  • “>. log in to StudentLoans.gov.



    Study Abroad Student Financial Aid- Scholarships, Grants, Loans #boat #loans #calculator


    #loans australia
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    Affording the Dream: Australia Financial Aid

    Although studying abroad in Australia is often one of the most affordable options for international students, it still comes with a certain price tag. Between tuition, books, and living expenses, international students do need to think about how they will pay for their study abroad experience. However, the cost should never deter any student who wishes to enhance their knowledge by studying in Australia. The key is to understand what Australia financial aid options are available to international students.

    Applying for financial aid can be somewhat more difficult for international students, but it is possible as long as these students know where to look. Students with demonstrable financial needs can often receive some form of financial assistance form their home governments to help subsidise a study abroad experience in Australia. In this way, students should first see if they qualify for this type of subsidised international financial aid, which is usually offered to students with fewer strings attached than other types of aid. It is important to make sure that the Australian university of interest is eligible for this type of study abroad financial aid, since not all foreign universities may be approved for international financial aid.

    Beyond this type of study abroad financial aid, students may wish to pursue scholarships. There are a number of scholarships available for Australia financial aid, many of which are geared specifically to support international students studying in Australia. These scholarships may be offered through the student’s home country, while others may be offered by international organizations or Australian schools themselves. Students interested in scholarships should contact their school of interest and check out various online international financial aid databases. These resources are designed to help students get connected with scholarships they need to finance their education in Australia. Students should also remember to keep looking for scholarships even after they have started their education. Some scholarships and other Australia financial aid options are offered only to students in their second or third year of studies.

    Another type of Australia financial aid is a student loan. These loans are available to students who do not qualify for subsidised international financial aid. Students should check with their home governments to see what options are available and what requirements must be met to apply for this style of loan. When applying for a study abroad financial aid loan, students need to look seriously at the amount and length of the loan in order to ensure that the long term impact will not be too difficult to manage.

    Though these international financial aid options can be completed prior to beginning the coursework, there are other options for study abroad financial aid that are more work based. Students who choose to study in Australia on a regular student visa should remember that they are eligible to work part time. This part time work can be a wonderful way to help earn a little extra money during a study abroad experience, and can also be a unique opportunity to understand the Australian culture better. Before applying for any part time job, however, students need to look carefully at what kind of visa they hold and what working restrictions may apply to them. Students who do not have a student visa and who are studying for a shorter period of time are likely not eligible to work during their time in Australia.

    Many students will use a combination of international financial aid options, relying both on student loans as well as scholarships when possible. Spreading out the study abroad financial aid can be a smart approach, especially if students do need to apply for student loans. Part time work and scholarships can reduce the amount needed in student loans, which can have an important reduction in the long term impact for students. Therefore, when considering Australia financial aid, it is essential that students keep all their options open and be vigilant to pursue all possible avenues.

    Overall, students interested in Australia financial aid have multiple options, making it easy for students to get the financial support they need. Because of this, no student needs to shy away from an exciting study abroad experience due to money. With international financial aid options, students can get the money they need to pursue the education of their dreams.



    Forensic Science, College, University, Institute, Courses, India, Delhi, Maharashtra, Online, Distance, questioned Document, Handwriting, Investigation, Degree, certificate, diploma, study – Forensic Experts India: Forensic Expert Opinion, Consult, Service, Legal, Court, Law, Handwriting, Document, Signature, Video, Delhi, Pune, Hyderabad, Noida, Society, Member, Free, Certificate #forensic #science, #college, #university, #institute, #courses, #india, #delhi, #maharashtra, #online, #distance, #questioned #document, #handwriting, #investigation, #degree, #certificate, #diploma, #study


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    IFS, Office No. 30, C Wing, Sixth Floor,
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    IFS INDIA is registered with Govt. of India, We provides various Forensic Science services including- Forensic Expert Opinions Under Section 45 of Indian Evidence Act on Cyber Forensics, Cyber Crimes, Questioned Document Handwriting Analysis, Signature Frauds and Forgery, Fingerprints, Forged Documents, Paper/Document Age Analysis, Cross Examination, Expert Testimony, Expert Consultation, Medico Legal Consultation, Legal Consultancy and many more.

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    IFS INDIA is a Forensic Science, Scientific and Legal Firm which provides investigations and expert’s opinions on Questioned Document, Handwriting, Fingerprint, Bank Forgery, Signature and Check Frauds, Private Investigation, Detective Services, Forensic Epxert for Court, Frauds, Signature Verification, Examination and Investigationetc.
    Our Services in- India including- Delhi, Mumbai, Pune, Noida, Hyderabad, Kolkata, Kerala, Nagpur, Bhopal, Agra, Banglore, Satara, Solapur, Sangli, Amravati

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    IFS, Office No. 30, C Wing, Sixth Floor,
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    Handwriting Expert, Document Examiner, Signature Analyst, Private Investigator, Forensic Scientist



    New Study Reveals States With Lowest Auto Loan Rates #military #loans


    #lowest auto loan rates
    #

    New Study Reveals States With Lowest Auto Loan Rates

    Just the Facts:

    • The U.S. states with the lowest average auto loan rates are Michigan, Oregon and Alaska, according to a new study by GoBankingRates.com.
    • The study said the states with the highest average rates are Rhode Island, Connecticut and New Jersey.
    • GoBankingRates.com found the nationwide average interest rate for a loan on a new vehicle is 3.65 percent.

    LOS ANGELES A new study by GoBankingRates.com says the U.S. states with the lowest average auto loan rates are Michigan, Oregon and Alaska. The states with the highest average rates are Rhode Island, Connecticut and New Jersey.

    The study found that the average interest rate nationwide for a loan on a new vehicle is 3.65 percent. In general, states on the West Coast have the lowest overall rates, while the Northeast has the most states with rates of 4.01 percent or higher.

    GoBankingRates.com partnered with Informa Research Services to gather online data from more than 4,000 U.S. banks and credit unions. The study looked at the base interest rates for new-car loans as of July 24, 2013, for terms of 36 months, 48 months and 60 months, then averaged the findings from each state to arrive at the rankings.

    Michigan, the traditional home of the U.S. auto industry, turned out to have the lowest statewide average: 3.03 percent. The best rates in Michigan were 1.49 percent for 36 months, 1.49 percent for 48 months and 1.75 percent for 60 months.

    Oregon and Alaska each averaged 3.04 percent, according to the study. Rounding out the top 10 were New Hampshire, South Carolina, Vermont, Oklahoma, Utah, Washington and North Carolina, with rates ranging from 3.08 percent to 3.31 percent.

    The worst rates were found in Rhode Island, which averaged 5.11 percent. Other bottom-10 results included Connecticut, New Jersey, Massachusetts, Louisiana, West Virginia, Delaware, Mississippi, Pennsylvania and the District of Columbia, with rates from 4.82 percent to 3.95 percent.

    Although the study makes for interesting reading, rates within each state vary widely, so the compiled averages don’t tell consumers the whole story. A car shopper in Rhode Island, the state with the worst average, may find a local financial institution offering a rate equal to or better than the lowest one in Michigan, which had the best average.

    As GoBankingRates.com advises, “When it comes to affordable financing, there are always great options available on the local level, and it’s up to the borrower to find them.”

    In a recovering economy it’s particularly important to shop around for the best rate. For some time, many automakers have helped keep interest rates low through subsidies and incentives that increased sales. As the economy improves, says GoBankingRates.com, interest rates are on the rise.

    But for now, the site notes, “car buyers continue to enjoy some of the lowest financing options available.” It just takes diligent comparison shopping to root out the best deals.

    Edmunds says: As always, it pays to do your homework before walking into a lender’s office or car dealership.



    2016 U #j.d. #power #2016 #u.s. #auto #insurance #study, #large #u.s. #auto #insurers #drag #industrywide #customer #satisfaction #down, #insurer-initiated #increase, #small #auto #insurers, #large #auto #insurers, #greg #hoeg, #vice #president #of #the #u.s. #insurance #operations #at #j.d. #power, #assisted #online #interactions


    #

    J.D. POWER

    Large U.S. Auto Insurers Drag Industrywide Customer Satisfaction Down Due to Price Perception, Says J.D. Power

    DETROIT: 20 June 2016 — After improving in each of the past two years, a decline in satisfaction among the nation’s largest auto insurers is driving overall industry satisfaction downward as customers react negatively to the perception of price increases, according to the J.D. Power 2016 U.S. Auto Insurance Study, SM released today.

    The study examines customer satisfaction in five factors (in order of importance): interaction; policy offerings; price; billing process and policy information (formerly billing and payment); and claims. Satisfaction is measured on a 1,000-point scale.

    Price Perception Drives Satisfaction Downward

    Overall satisfaction declines by a significant 7 points to 811 from 818 in 2015. The 17 largest insurers,[1] among whom satisfaction drops by 7 index points from 2015, are the primary drivers of the overall decline. Comparatively, satisfaction among the smaller insurers increases 1 point from 2015. The overall decline is largely influenced by a 3-point decrease in price satisfaction, which is attributable to a year-over-year 2-percentage-point decline in the percentage of customers who say they have not experienced a premium increase in the past 12 months. However, the perception among some customers is that they have had an insurer-initiated increase, even though they have not experienced a specific incident or life change that could account for the price hike.

    Small Insurers Pull Ahead of Large Insurers

    According to the study, this year marks the first time in the past 6 years that small insurers achieve a higher satisfaction score than large insurers (815 vs. 814, respectively). More positive perceptions of price have helped drive the differing performances between the two groups, as the price factor is the largest advantage small insurers have over large insurers. In contrast, large insurers perform higher in digital interactions—website and assisted online—as they have greater resources to continuously invest in improving their websites and staffing for assisted online.

    “Price perception among customers of smaller insurers is likely influenced by the fact that they frequently select their insurer with the help of an independent agent,” said Greg Hoeg, vice president of the U.S. insurance operations at J.D. Power. “Smaller insurers benefit from the personal interactions provided by their agency force, including their ability to educate customers about the value their policy provides.”

    Interaction Still Problematic

    Among the five factors measured in the study, interaction and policy offerings are the primary drivers of the overall decline in customer satisfaction. Lower levels of satisfaction with the call center representative (down 6 points to 839) and the local agent (down 7 points to 864) drive the decline in satisfaction in the interaction factor. The decline in satisfaction with policy offerings (down by 8 points to 809) is due in part to insurers’ failure to make it easy for customers to work with them.

    Customers also provide lower ratings year over year for service elements, including the ease of making changes to an existing policy and ease of obtaining a new policy, suggesting that insurers haven’t been able to move the needle when it comes to making changes more convenient for their customers.

    Assisted Online Interaction Improves

    Notably, satisfaction with assisted online interactions improves across all elements of the customer experience, including the promptness in communicating with a representative and timely resolution of problems, questions or requests. Additionally, the courtesy, knowledge, and overall concern for customer needs on the part of the representative assisting them also contribute to the improvement. Assisted online interactions consist of experiences in which a customer may have first visited their insurer’s website to resolve an issue or question and was later further assisted by a representative via a chat feature.

    “Insurance customers want their billing problems, policy questions or claims resolved efficiently,” said Hoeg. “Today, more and more customers are interested in communicating via digital channels. Insurers should take note that the traditional call center representative may no longer be the most efficient and satisfying way to resolve an issue, even a complex one.”

    Satisfaction Drives Loyalty

    Among delighted auto insurance customers (overall satisfaction scores of 900 and above), 75% say they “definitely will” renew their policy, compared with just 12% of displeased customers (scores of 549 and lower).

    Regional Overview

    Satisfaction varies regionally, from a high of 825 in the Southeast region to a low of 795 in the New England region. Seven of the 11 study regions post significant decreases in overall satisfaction year over year, with the greatest declines occurring in the Southwest (-20 points) and Texas (-17) regions.

    Following are the highest-ranked auto insurance brands by region:

    California: Ameriprise (846)

    Central: Shelter Insurance (819)

    Florida: The Hartford (834)

    Mid-Atlantic: Erie Insurance (829)

    New England: Amica Mutual (855)

    North Central: Auto-Owners Insurance (842)

    Northwest: PEMCO Insurance (847)

    Southeast: Farm Bureau Insurance – Tennessee (870)

    Southwest: The Hartford (829)

    Texas: Texas Farm Bureau Insurance (836)

    New Jersey Manufacturers Insurance Company (NJM) and USAA also achieve high levels of customer satisfaction in the study, although they are not included in the rankings due to the closed nature of their respective memberships.

    The 2016 U.S. Auto Insurance Study is based on responses from 44,681 auto insurance customers. The survey data was collected from January 29, 2016 to March 25, 2016.

    Media Relations Contacts

    [1] Note: Large insurers are those with more than $2 billion in direct written premium (DWP) and small insurers are those with less than $800 million in DWP.

    J.D. POWER



    Alcohol and drug abuse counseling #academic #programs, #programs #of #study, #associates #degree, #certificate #programs, #course #schedules, #credit #requirements, #norther #essex #community #college, #necc


    #

    Alcohol/Drug Abuse Counseling Certificate

    Program Overview

    Alcohol and drug addiction is a major public health problem in America. The consequences are far-reaching and affect individuals, their families, and society as a whole. Individuals can work on recovering from addiction with treatment. Treatments for substance abuse are just as effective as treatments for other chronic conditions such as diabetes according. The alcohol and drug abuse counseling certificate program could be for you if you have a strong desire to help people improve their lives, are empathetic, committed, and value self-awareness. Job prospects are excellent and substance abuse counselors are one of the fastest growing occupations.

    At NECC, the Alcohol and Drug Abuse Counseling Certificate will prepare you for a position as a substance abuse counselor. You will gain an understanding of drug use, abuse and dependence and the related personal and social consequences. You will develop skills to provide therapeutic services for people dealing with substance abuse, with an emphasis on helping them maintain recovery and prevent relapse. You will learn how to provide services to individuals, groups and families.

    The program is based on the National Addiction Counselor Competencies and the National Community Support Skill Standards and is approved by the Council for Standards in Human Service Education. Once you complete the Certificate in Alcohol and Drug Abuse Counseling, there are many career paths you can choose.

    Career Opportunities

    You can work in substance abuse education, outreach programs, prevention programs, detoxification, and other treatment programs. You can work in locations such as residential programs, shelters, correctional facilities, hospitals, structured outpatient programs or sober homes.

    Graduates of this program may also choose to apply all the credits earned in this certificate toward NECC’s Associate Degree in Human Services.

    Career Prospects are excellent. Substance Abuse Counselors are one of the fastest growing occupations according to The Commonwealth of Massachusetts Job Employment Projections through 2016.

    Additional Opportunities

    As a student in this program, you will participate in practicums (supervised clinical experiences) where you will provide direct support services to individuals using interpersonal communication, interviewing, observation, problem solving, case management, and documentation skills in accordance with the human service philosophy. Practicum experiences allow you to experience the human services profession first-hand, and give you the opportunity to grow as a person and a professional.

    Getting Started

    Ready to get started. It’s easy! Northern Essex has an open admissions policy, which means that if you have a high school diploma or GED you are eligible to enroll at NECC. Just fill out an application, attend an orientation/assessment session, and then register for classes.



    Study Criminology: Bachelor – s, Associate – Online Degree Info #study #criminology: #bachelor #s, #associate # # #online #degree #info


    #

    Study Criminology: Bachelor’s, Associate & Online Degree Info

    View available schools

    Criminology Associate and Bachelor’s: Degrees at a Glance

    An associate degree in criminology can be an asset when you’re applying for entry-level law enforcement and social service jobs, although in many cases only a high school diploma is required. A bachelor’s degree in this field will help you qualify for careers in social work and corrections, and it can also prepare you to pursue an advanced degree in criminology. It’s important to know that most law enforcement careers have strict age and physical fitness requirements, and you’ll have to pass a background check and complete recruit training as well. Some positions in investigations, social work and counseling require state licensure, and you may also need an advanced degree. Although pay is relatively low in many social service and criminal justice career fields, job growth for social workers, social service assistants and private investigators is projected to be above average between 2010 and 2020.

    Who is this degree for?

    Students who plan to work in law enforcement, or those who plan to transfer into criminology bachelor’s degree programs

    Those who want to work in the social service, law enforcement or corrections fields; students preparing for graduate studies in criminology

    Common Career Paths (with approximate median annual salary)

    An associate degree is not always required for the following positions, but it may be preferred:
    – Police officer ($54,000 – must also pass a rigorous selection process and complete recruit training )*
    – Private detective or investigator ($44,000 – state licensure and experience are usually required )*
    – Substance abuse counselor ($39,000 – certification or licensure and a master’s degree may be necessary for some positions )*
    – Social service assistant ($29,000)*

    Same career paths that are open to associate degree holders, as well as the following:
    – Social worker ($41,000 – a master’s degree and state licensure are required for higher-level positions)*
    – Correctional treatment specialist or probation officer ($48,000)*

    Time to Completion

    2 years full-time

    4 years full-time

    – High school diploma (some programs require students to take remedial courses if they cannot demonstrate basic skills in areas like math and writing )

    – Same as for associate degree (some programs require students to complete liberal arts courses with a minimum GPA before they can apply directly to the criminology degree program )

    Source: *U.S. Bureau of Labor Statistics (May 2011).

    Associate Degree in Criminology

    In an associate degree program in criminology, you may study topics ranging from juvenile delinquency and criminal psychology to law enforcement and forensics. This degree may help prepare you for entry-level positions in fields like law enforcement, social services and corrections; however, many of these positions are available to high school graduates as well, and you may need to meet other criteria, such as passing physical evaluations and background checks, to qualify. Some programs are designed so that you can transfer to a 4-year criminology degree program after graduation.

    Pros and Cons

    Pros

    • Completing this degree program may improve your prospects in career fields where postsecondary education is preferred, but not required
    • You may qualify to transfer to a 4-year institution upon graduating, which could increase your career options
    • You’ll gain an understanding of the criminal justice system that may be helpful to you in your daily life

    Cons

    • Postsecondary education is unnecessary for some law enforcement careers
    • You’ll need to obtain additional education for some careers in social work and corrections
    • Some law enforcement careers require you to meet strict physical and psychological requirements and pass a background check – you may find that even with an associate degree, you still don’t qualify

    Courses and Requirements

    Associate degree programs typically require you to take both general education classes and core courses. Your general education classes may cover topics such as English, math and government, and you may also choose some electives in the humanities and social sciences. Core courses are the classes you take for your major, and they’ll include both required and elective courses. For criminology, required core courses usually cover the following topics:

    • The criminal justice system
    • Evidence and forensics
    • Juvenile delinquency
    • Sociology

    Online Course Info

    Some associate degree programs in criminology can be completed entirely online. Coursework is comparable to that required for on-campus programs. Students may receive course materials like CD-ROMs and textbooks via the mail, and course lessons and assessments are online. You must complete course activities in a specific order and meet completion deadlines for certain activities, but you’ll have significant flexibility in choosing when you study. You’ll usually be required to supply your own computer and Internet access.

    Getting Ahead with This Degree

    Since an associate degree isn’t required for many entry-level law enforcement careers, simply earning one may help you stand out for some jobs. In addition, the BLS reports that knowing a foreign language can be a plus if you plan to work in an area with a diverse population. For those interested in working as a private investigator or detective, courses in finance and accounting may be helpful. Also, once you’ve gained specialized experience as an investigator, industry certifications from organizations like the National Association of Legal Investigators can help with career advancement.

    Bachelor’s Degree in Criminology

    A bachelor’s degree program in criminology will provide you with a broad understanding of crime, the criminal justice system and the motivation of criminals. You’ll study topics such as social deviance, theories of criminal justice and the impact of crime on the community. The curriculum is generally multidisciplinary, requiring coursework in law, social sciences and the humanities. Most programs encourage students to complete an internship that’s relevant to their career interests. A bachelor’s degree in criminology can prepare you to go straight into the workforce or pursue an advanced degree.

    Pros and Cons

    Pros

    • You’ll qualify for certain careers that aren’t open to associate degree holders
    • It’s likely that you’ll have the chance to gain valuable work experience through an internship
    • A bachelor’s degree program can prepare you for the advanced study that’s necessary to become a criminologist

    Cons

    • This degree is unnecessary for many careers in the criminal justice system
    • You’ll spend at least 4 years in college, which means you’ll miss out on the experience and income you could have received if you’d entered the workforce right away
    • Since bachelor’s degree programs in criminology require you to gain a broad background in the liberal arts, you may need to take courses outside of criminology that aren’t very relevant to your interests

    Courses and Requirements

    In addition to your core criminology classes, you’ll enroll in humanities courses ranging from science and math to philosophy and literature. Some schools also require you to take foreign language classes. Although it’s not required, most schools strongly encourage you to complete an internship. Your criminology classes will cover many of the same topics that associate degree students learn about, but you’ll also venture into the following areas:

    • Sociology research methods
    • Social deviance
    • Cultural anthropology

    Online Course Info

    Accredited online bachelor’s degree programs in criminology are available. There are completely online programs that are designed for the working professional, allowing you to schedule your class time around existing work and familial obligations. Coursework is similar to what’s available to on-campus students, and internships are also available. In many cases, they may be completed on a full-time or part-time basis, depending on your needs.

    Getting Ahead with This Degree

    The steps you’ll need to take to stand out depend on your career goals. If you’d like to go on to advanced study after completing your bachelor’s degree, you’ll need to focus on academics. You can stand out with a high GPA and strong GRE scores. It’s also a good idea to build strong relationships with your professors, since you’ll need letters of recommendation for your grad school applications.

    If you’d like to go into law enforcement, simply earning a degree can be enough to help you stand out. If you’re interested in a career as a correctional treatment specialist or probation officer, related work experience in the form of an internship can give you a leg up.

    Related Articles

    An Online Degree program in Criminology broadly covers the study of crime, including the causes of crime and crime prevention. Degree holders can.

    A journalism bachelor’s degree could make you eligible to work for media such as newspapers, magazines, web sites, television, or other area. Since.

    Popular Schools



    Study Abroad Loans – International Financial Aid for US Citizens #instant #payday #loan


    #study loan
    #

    Study Abroad Loans

    As the world continues to bridge distance with technology, students are increasingly aware of the need to gain an international education. Many employers are now looking for students with an international background an advantage students gain when they study abroad.

    From about 270,000 last year, the number of US students studying abroad is projected to grow to 1 million by 2017. But it’s not easy to finance an international education for US students who plan to study abroad, travel costs and exchange rates increase the normal burden of tuition, fees and living expenses.

    To help, we can provide you with study abroad loans, short term loans, semester abroad loans and foreign enrolled loans for students who are fully enrolled in a school overseas. For international students studying in the USA, we also provide international student loans to help fund your education in the US. Each of our low-hassle loan programs offer competitive interest rates, no application fees, as well as fast and easy loan application and processing.

    No matter if you are a US student abroad or an international student in the US, use our loan comparison tool (above) to find and compare lenders today! To do so, simply chose your citizenship, state and school to be matched with lenders. You’ll be able to compare each terms and conditions, and then chose the one that’s right for you. Within a few short weeks, you’ll be notified about your initial approval.

    Study Abroad Loans has gathered this information as a resource for students, and this resource does not intend to imply a relationship between your school and our website or company.

    You should always double-check directly with your school and lender to ensure that your school is eligible.



    Study Abroad Student Financial Aid- Scholarships, Grants, Loans #bad #credit #mortgage


    #loans australia
    #

    Affording the Dream: Australia Financial Aid

    Although studying abroad in Australia is often one of the most affordable options for international students, it still comes with a certain price tag. Between tuition, books, and living expenses, international students do need to think about how they will pay for their study abroad experience. However, the cost should never deter any student who wishes to enhance their knowledge by studying in Australia. The key is to understand what Australia financial aid options are available to international students.

    Applying for financial aid can be somewhat more difficult for international students, but it is possible as long as these students know where to look. Students with demonstrable financial needs can often receive some form of financial assistance form their home governments to help subsidise a study abroad experience in Australia. In this way, students should first see if they qualify for this type of subsidised international financial aid, which is usually offered to students with fewer strings attached than other types of aid. It is important to make sure that the Australian university of interest is eligible for this type of study abroad financial aid, since not all foreign universities may be approved for international financial aid.

    Beyond this type of study abroad financial aid, students may wish to pursue scholarships. There are a number of scholarships available for Australia financial aid, many of which are geared specifically to support international students studying in Australia. These scholarships may be offered through the student’s home country, while others may be offered by international organizations or Australian schools themselves. Students interested in scholarships should contact their school of interest and check out various online international financial aid databases. These resources are designed to help students get connected with scholarships they need to finance their education in Australia. Students should also remember to keep looking for scholarships even after they have started their education. Some scholarships and other Australia financial aid options are offered only to students in their second or third year of studies.

    Another type of Australia financial aid is a student loan. These loans are available to students who do not qualify for subsidised international financial aid. Students should check with their home governments to see what options are available and what requirements must be met to apply for this style of loan. When applying for a study abroad financial aid loan, students need to look seriously at the amount and length of the loan in order to ensure that the long term impact will not be too difficult to manage.

    Though these international financial aid options can be completed prior to beginning the coursework, there are other options for study abroad financial aid that are more work based. Students who choose to study in Australia on a regular student visa should remember that they are eligible to work part time. This part time work can be a wonderful way to help earn a little extra money during a study abroad experience, and can also be a unique opportunity to understand the Australian culture better. Before applying for any part time job, however, students need to look carefully at what kind of visa they hold and what working restrictions may apply to them. Students who do not have a student visa and who are studying for a shorter period of time are likely not eligible to work during their time in Australia.

    Many students will use a combination of international financial aid options, relying both on student loans as well as scholarships when possible. Spreading out the study abroad financial aid can be a smart approach, especially if students do need to apply for student loans. Part time work and scholarships can reduce the amount needed in student loans, which can have an important reduction in the long term impact for students. Therefore, when considering Australia financial aid, it is essential that students keep all their options open and be vigilant to pursue all possible avenues.

    Overall, students interested in Australia financial aid have multiple options, making it easy for students to get the financial support they need. Because of this, no student needs to shy away from an exciting study abroad experience due to money. With international financial aid options, students can get the money they need to pursue the education of their dreams.



    Funding for postgraduate study. #no #teletrack #payday #loans


    #graduate student loans
    #

    Funding for postgraduate study

    You can get funding for postgraduate study through studentships, bursaries, grants and loans – you might also get help from your employer.

    Studentships

    Studentships are postgraduate positions that have funding attached for fees, living expenses or both. They’re mainly funded by Research Councils UK.

    Teacher training, social work, medical and healthcare courses

    You can apply for funding for:

    Graduate-entry medical students can also get support from Student Finance England for fees charged over £3,465.

    Charities and trusts

    Charities and trusts sometimes provide grants, often for students from poorer backgrounds or those who’ve achieved academic excellence. Find out more at your local library in these publications:

    • the Educational Grants Directory
    • the Charities Digest
    • the Grants Register
    • the Directory of Grant Making Trusts

    Learned societies

    Societies sometimes offer funding for postgraduate or postdoctoral research. They include:

    • the British Academy (for humanities and social sciences – postdoctorate only)
    • the Royal Academy of Engineering (for engineering)
    • the Royal Society (for science – postdoctorate only)


    New Study Reveals States With Lowest Auto Loan Rates #loan #modification #program


    #lowest auto loan rates
    #

    New Study Reveals States With Lowest Auto Loan Rates

    Just the Facts:

    • The U.S. states with the lowest average auto loan rates are Michigan, Oregon and Alaska, according to a new study by GoBankingRates.com.
    • The study said the states with the highest average rates are Rhode Island, Connecticut and New Jersey.
    • GoBankingRates.com found the nationwide average interest rate for a loan on a new vehicle is 3.65 percent.

    LOS ANGELES A new study by GoBankingRates.com says the U.S. states with the lowest average auto loan rates are Michigan, Oregon and Alaska. The states with the highest average rates are Rhode Island, Connecticut and New Jersey.

    The study found that the average interest rate nationwide for a loan on a new vehicle is 3.65 percent. In general, states on the West Coast have the lowest overall rates, while the Northeast has the most states with rates of 4.01 percent or higher.

    GoBankingRates.com partnered with Informa Research Services to gather online data from more than 4,000 U.S. banks and credit unions. The study looked at the base interest rates for new-car loans as of July 24, 2013, for terms of 36 months, 48 months and 60 months, then averaged the findings from each state to arrive at the rankings.

    Michigan, the traditional home of the U.S. auto industry, turned out to have the lowest statewide average: 3.03 percent. The best rates in Michigan were 1.49 percent for 36 months, 1.49 percent for 48 months and 1.75 percent for 60 months.

    Oregon and Alaska each averaged 3.04 percent, according to the study. Rounding out the top 10 were New Hampshire, South Carolina, Vermont, Oklahoma, Utah, Washington and North Carolina, with rates ranging from 3.08 percent to 3.31 percent.

    The worst rates were found in Rhode Island, which averaged 5.11 percent. Other bottom-10 results included Connecticut, New Jersey, Massachusetts, Louisiana, West Virginia, Delaware, Mississippi, Pennsylvania and the District of Columbia, with rates from 4.82 percent to 3.95 percent.

    Although the study makes for interesting reading, rates within each state vary widely, so the compiled averages don’t tell consumers the whole story. A car shopper in Rhode Island, the state with the worst average, may find a local financial institution offering a rate equal to or better than the lowest one in Michigan, which had the best average.

    As GoBankingRates.com advises, “When it comes to affordable financing, there are always great options available on the local level, and it’s up to the borrower to find them.”

    In a recovering economy it’s particularly important to shop around for the best rate. For some time, many automakers have helped keep interest rates low through subsidies and incentives that increased sales. As the economy improves, says GoBankingRates.com, interest rates are on the rise.

    But for now, the site notes, “car buyers continue to enjoy some of the lowest financing options available.” It just takes diligent comparison shopping to root out the best deals.

    Edmunds says: As always, it pays to do your homework before walking into a lender’s office or car dealership.



    Study Abroad Loans – International Student Loans #refinancing #your #home


    #international student loans
    #

    International Student Loans

    As the number of international students studying in the USA continues to increase, the need for international financial aid is constantly growing. To address this need, we provide access to loans for non-US Citizens from anywhere in the world who are planning to study at approved schools throughout the USA.

    We have been a leader in providing loans for international students since 1998, and thousands of international students have applied for loans through our programs. We now offer the first online comparison tool designed especially for international students. Simply use the comparison tool to find the list of lenders available for your school. Once you indicate your school and citizenship, you will be able to compare loans and apply right online.

    Cosigner Required for All Applicants

    The Cosigner must be a US citizen or permanent resident, with good credit, income history and who has lived in the USA for the past 2 years.

    Typically students can borrow up to their school’s total cost of attendance, as determined by the school, minus any other aid received. Total cost of attendance includes room and board and other living expenses. International students are required to have a US Citizen or permanent resident as a cosigner to apply for this loan. International student loans typically also offer:

    • No collateral required
    • Competitive rates
    • Online application
    • and much more

    Compare loans using the comparison tool above, or learn more about the international student loan program in the Loan Details and FAQs pages.

    Study Abroad Loans has gathered this information as a resource for students, and this resource does not intend to imply a relationship between your school and our website or company.

    You should always double-check directly with your school and lender to ensure that your school is eligible.

    2010/2015 Study Abroad Loans – An Envisage International Corporation Website



    Study Abroad with International Student Loans #easy #payday #loans


    #international student loans
    #

    Loans for Overseas Study

    What You Need to Know to Get Financial Aid Done

    There are numerous websites advertising study abroad loans that do not lend money at all, but refer you to various private lenders. Private lenders should always be your last option in financing your college education, because their products are more expensive and their terms less favorable than federal loans .

    The two recommended methods of obtaining loans to study abroad are 1) choose a study abroad program through a college or university that lets you use your existing financial aid to pay for that course of study, and 2) study at a foreign college that accepts American federal loan payments. You will need to complete your college enrollment, select a program of foreign study and tally your costs to see what you will need to borrow, fill out your Free Application for Federal Student Aid (FAFSA) well in advance, and then synchronize the timing of your federal or private student loan with the bill presentment for your studies.

    That can be a challenging exercise in logistics, and different schools that let you take your loan money abroad explain how their processes work.

    Schools That Let Your Financial Aid Travel With You

    One Example: How It Works At Rhode Island College

    Rhode Island College (RIC) provides a lucid explanation of how to use your existing financial aid in another country here. and a perfect example of the sort of procedure your school will ask you to follow. RIC permits students to use federal loans (Direct and Perkins loans) and what they refer to as alternative loans, meaning supplemental loans from private lenders to cover the extra expense of studying abroad.

    Three steps must be completed before your financial aid can be transferred to the external study program: obtaining an approval letter from RIC s Study Abroad Office, submitting a budget to RIC s financial aid office, and receiving the credit authorization form. Credit authorization refers to arranging for the class credits you earn at the external institution to enter your school record at RIC.

    Once you ve made your way through that paperwork, you can ask your representative at the study abroad institution to fill out your consortium agreement, which is necessary for your aid money (including loans) to be passed on to you. You ll need to orchestrate all those arrangements so that your payment is available two weeks prior to your departure.

    Many American colleges offer their own study abroad courses, but RIC emphasizes courses given by professional study abroad organizations like the American Institute for Foreign Study and the Center for International Studies. In fact, RIC has posted a list of those third party providers that shows you the discounts each one awards students from RIC.

    Federal Loans To Study Abroad

    The U. S. Department of Education (USDOE) maintains a very helpful page on funding your international education with federal loans, which you can do to study for a semester, a year, or a full four years in order to obtain a degree. If you choose a semester or year, you ll need to complete the requisite paperwork for an American school as well as a foreign school, and if you choose the full four years, you ll be managing forms for only one school abroad.

    For four-year students intending to take a degree abroad, you will need the current copy of this 2012 list of foreign schools that accept student aid from the American government. Most of the schools listed are in Australia, Canada, England, and Germany, but there are many other countries listed (including exotic locales like Argentina, Hong Kong, and the Czech Republic).

    The USDOE keeps other statistics on the international medical schools that accept federal student loans, such as pass rate on American medical licensing exams and completion rates for American medical students at those universities, which will help you decide on a school.

    Which Federal Loans Will Support My Overseas Study?

    The USDOE recommends any of the Direct Loan products for this purpose. Undergraduates can use a Direct Subsidized or Direct Unsubsidized loan, and graduate students can take out Unsubsidized or Direct PLUS loans (also available to parents of dependent undergraduates). One drawback: federal grants are not accepted for overseas study, so you will have to depend on other forms of aid.

    The USDOE lists practical tips for successful planning of your foreign study program and the financing it will take for you to achieve it. Here s a brief summary of their suggestions:

    • Fill out your FAFSA and lay the groundwork for your financial aid package as early as possible, because if you wait until the last minute to apply that could jeopardize your trip. Build extra time into your schedule.
    • Your research into foreign school options should be thorough. Make sure you understand degree requirements, all applicable costs for tuition, fees, housing, books, food, and so on, medical insurance plans, and travel expenses.
    • Keep a well-organized checklist of tasks you must finish in order to travel and live abroad. For instance, you ll have to obtain a passport and maybe immunizations. You may need a student visa also, and you may have to register with local law enforcement.
    • Keep all your paper documentation in one secure but accessible location. It s also a good idea to keep backup images of all that paper; at the very least, it will make it simple to supply copies of important documents.
    • Stay in touch with your financial aid contact at the foreign school during the application process, and establish a contact at the school s office for international students to find answers to your general questions.


    Study loan #money #loans


    #study loan
    #

    As of May 10, 2015 you must have a verified FSA ID (Username Password) instead of a PIN to log in to StudentLoans.gov.

    If you have a

  • If you have a PIN and link it when you create your FSA ID, your Social Security Administration (SSA) confirmation is applied to your FSA ID and you will be able to log in to StudentLoans.gov immediately.
  • If you do not have a PIN or do not link it when you create your FSA ID, your information will be confirmed with SSA. This takes one to three days. and you will receive an e-mail (if you provide one) when this is complete.

    Once SSA confirms your information, you will be able to use your FSA ID to log in to StudentLoans.gov.

  • ” id=”verifiedFsaIdToolTip”> verified FSA ID

  • If you have a PIN and link it when you create your FSA ID, your Social Security Administration (SSA) confirmation is applied to your FSA ID and you will be able to log in to StudentLoans.gov immediately.
  • If you do not have a PIN or do not link it when you create your FSA ID, your information will be confirmed with SSA. This takes one to three days. and you will receive an e-mail (if you provide one) when this is complete.

    Once SSA confirms your information, you will be able to use your FSA ID to log in to StudentLoans.gov.

  • “>. log in to StudentLoans.gov.



    New Study Reveals States With Lowest Auto Loan Rates #credit #card #loans


    #lowest auto loan rates
    #

    New Study Reveals States With Lowest Auto Loan Rates

    Just the Facts:

    • The U.S. states with the lowest average auto loan rates are Michigan, Oregon and Alaska, according to a new study by GoBankingRates.com.
    • The study said the states with the highest average rates are Rhode Island, Connecticut and New Jersey.
    • GoBankingRates.com found the nationwide average interest rate for a loan on a new vehicle is 3.65 percent.

    LOS ANGELES A new study by GoBankingRates.com says the U.S. states with the lowest average auto loan rates are Michigan, Oregon and Alaska. The states with the highest average rates are Rhode Island, Connecticut and New Jersey.

    The study found that the average interest rate nationwide for a loan on a new vehicle is 3.65 percent. In general, states on the West Coast have the lowest overall rates, while the Northeast has the most states with rates of 4.01 percent or higher.

    GoBankingRates.com partnered with Informa Research Services to gather online data from more than 4,000 U.S. banks and credit unions. The study looked at the base interest rates for new-car loans as of July 24, 2013, for terms of 36 months, 48 months and 60 months, then averaged the findings from each state to arrive at the rankings.

    Michigan, the traditional home of the U.S. auto industry, turned out to have the lowest statewide average: 3.03 percent. The best rates in Michigan were 1.49 percent for 36 months, 1.49 percent for 48 months and 1.75 percent for 60 months.

    Oregon and Alaska each averaged 3.04 percent, according to the study. Rounding out the top 10 were New Hampshire, South Carolina, Vermont, Oklahoma, Utah, Washington and North Carolina, with rates ranging from 3.08 percent to 3.31 percent.

    The worst rates were found in Rhode Island, which averaged 5.11 percent. Other bottom-10 results included Connecticut, New Jersey, Massachusetts, Louisiana, West Virginia, Delaware, Mississippi, Pennsylvania and the District of Columbia, with rates from 4.82 percent to 3.95 percent.

    Although the study makes for interesting reading, rates within each state vary widely, so the compiled averages don’t tell consumers the whole story. A car shopper in Rhode Island, the state with the worst average, may find a local financial institution offering a rate equal to or better than the lowest one in Michigan, which had the best average.

    As GoBankingRates.com advises, “When it comes to affordable financing, there are always great options available on the local level, and it’s up to the borrower to find them.”

    In a recovering economy it’s particularly important to shop around for the best rate. For some time, many automakers have helped keep interest rates low through subsidies and incentives that increased sales. As the economy improves, says GoBankingRates.com, interest rates are on the rise.

    But for now, the site notes, “car buyers continue to enjoy some of the lowest financing options available.” It just takes diligent comparison shopping to root out the best deals.

    Edmunds says: As always, it pays to do your homework before walking into a lender’s office or car dealership.



    International Student Loans, Study abroad loans #blacklisted #loans


    #study loan
    #

    International Students

    Sallie Mae ® Smart Option Student Loan ® 1

    If you are an international student, you and your cosigner can apply online by clicking above. Or, learn more about the Smart Option Student Loan.

    Call us

    Encouraging Responsible Borrowing

    1 You must attend a participating school or have attended one in an eligible prior enrollment period. You must be a U.S. citizen or a permanent resident or a Non-U.S. citizen borrower who is attending or has attended a school located in the U.S. applying with a creditworthy cosigner (who must be a U.S. citizen or permanent resident) and required U.S. Citizenship and Immigration Service (USCIS) documentation. U.S. citizens and permanent residents enrolled in eligible study abroad programs or who are attending or have attended schools located outside the U.S. are also eligible. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply.

    Smart Option Student Loans, Bar Study Loans, Residency and Relocation Loans, and Career Training Smart Option Student Loans are made by Sallie Mae Bank or a lender partner.

    WE RESERVE THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE. CHECK SALLIEMAE.COM FOR THE MOST UP-TO-DATE PRODUCT INFORMATION.

    Sallie Mae, Smart Option Student Loan, Bar Study Loan, Residency and Relocation Loan, Career Training Smart Option Student Loan and the Sallie Mae logo are service marks or registered service marks of Sallie Mae Bank or its subsidiaries.



    Funding for postgraduate study. #consolidation #loan #rates


    #graduate student loans
    #

    Funding for postgraduate study

    You can get funding for postgraduate study through studentships, bursaries, grants and loans – you might also get help from your employer.

    Studentships

    Studentships are postgraduate positions that have funding attached for fees, living expenses or both. They’re mainly funded by Research Councils UK.

    Teacher training, social work, medical and healthcare courses

    You can apply for funding for:

    Graduate-entry medical students can also get support from Student Finance England for fees charged over £3,465.

    Charities and trusts

    Charities and trusts sometimes provide grants, often for students from poorer backgrounds or those who’ve achieved academic excellence. Find out more at your local library in these publications:

    • the Educational Grants Directory
    • the Charities Digest
    • the Grants Register
    • the Directory of Grant Making Trusts

    Learned societies

    Societies sometimes offer funding for postgraduate or postdoctoral research. They include:

    • the British Academy (for humanities and social sciences – postdoctorate only)
    • the Royal Academy of Engineering (for engineering)
    • the Royal Society (for science – postdoctorate only)


    Study Shows Blacks, Hispanics Charged Higher Auto Loan Rates #same #day #loan


    #car loan interest rates
    #

    Study Shows Blacks, Hispanics Charged Higher Auto Loan Rates

    By Michelle Singletary

    It’s probably fair to say that most car buyers know they don’t have to pay the manufacturer’s suggested retail price on a new car. We know the deal: The vehicle price is negotiable at dealerships where haggling is still the industry norm.

    But for many borrowers, that same knowledge needs to carry over to the interest rate they pay to finance a vehicle. This is particularly true for African-Americans.

    An analysis of the most recent Federal Reserve Board’s Survey of Consumer Finances data, completed on behalf of the Consumer Federation of America (CFA), found that in 2004, African-American car buyers paid much higher loan rates on new and used autos than white Americans.

    On 2004 loans for new car purchases, blacks paid a median interest rate of seven percent, compared with five percent for white borrowers and 5.5 percent for Hispanic borrowers. On used car loans, African-Americans and Hispanics both received considerably higher interest rates. The median rates for African-Americans and Hispanics were 9.5 and nine percent respectively, compared with 7.5 percent for whites.

    Additionally, CFA found that more African-Americans paid auto loan rates of at least 15 percent. For new car loans, six percent of African-American borrowers paid 15 percent or more, compared with just 1.7 percent for whites and 1.8 percent for Hispanics. On used car loans, 27 percent of black borrowers and 18.5 percent of Hispanic borrowers paid 15 percent or more, compared with only 9.2 percent of white borrowers, the analysis found.

    For CFA, the findings suggest possible discrimination. It is likely that most of the difference in rates reflects disparate treatment, said Stephen Brobeck, CFA’s executive director.

    An industry representative challenged CFA’s conclusion. The data do not contain the necessary information regarding a host of variables that have direct and substantial impact on the rates, including, most notably, the borrower’s creditworthiness, and prevailing rates at the time the credit was issued, said David Hyatt, vice president of public affairs for the National Automobile Dealers Association.

    And yet expert research in 11 class-action lawsuits against major auto finance companies and banks found that blacks and Hispanics were consistently charged higher interest rates on their loans even when there was little difference in such factors as amount financed, term of loan and, most important, creditworthiness, said Stuart Rossman, director of litigation for the Boston-based National Consumer Law Center (NCLC), which was a co-counsel in all the lawsuits.

    The NCLC charged that the finance companies and banks put in place policies that allowed car dealers to mark up the interest rates on auto loans to minorities based on subjective criteria unrelated to their credit risk. All the cases have been settled the most recent in March without the lenders acknowledging any wrongdoing.

    When a consumer asks the dealer to arrange financing, the loan is not made by the dealer. Instead, the dealer is acting only as a middleman, sending the consumer’s credit application to a lender, which may include a bank or finance company owned by the automobile manufacturer. Taking into account that person’s credit history and other information, a lender approves the finance application for a certain annual percentage rate known as the buy rate.

    Generally, the consumer does not know their buy rate and doesn’t know the interest rate may have been marked up, Rossman said.

    Let’s look at this in real dollars. Suppose the car you want to buy costs $28,000. Currently the national average interest rate on a 48-month new car loan is 6.9 percent, according to bankrate.com. At that rate over the life of the auto loan, you would pay about $4,100 in interest. If the rate is kicked up to 15 percent, the total interest would be $9,400.

    Dealers defend markups as legitimate compensation for helping to arrange loans. But there is a difference between a fair profit and gouging. Certain borrowers should be charged a higher interest rate if their credit history and other factors indicate they’re a risk. But arbitrarily increasing a loan’s interest rate based on someone’s skin color, national origin and yes, even naivete, is despicable.

    The CFA data are a picture of what was happening before the recent lawsuit settlements. Let’s see how things change once the terms of those settlements go into full effect. For example, consumers will have to be told in writing that their financing is negotiable. The settlements also impose markup caps that range from 1.5 to 2.5 percentage points depending on the length of the loan, Rossman said.

    We hope that the many lawsuit settlements will reduce the disparity significantly, Brobeck said.

    So how do you get the best financing deal?

    All consumers, not just African-Americans, need to protect themselves by getting an auto loan rate quote from their own bank or credit union before they go shopping for a car, Brobeck said.

    Notice he said before you set a foot onto the car lot or go online to shop for a car. If you don’t follow that advice, you’re likely to pay more for your auto loan than your risk profile suggests.



    New Study Reveals States With Lowest Auto Loan Rates #hud #loans


    #lowest auto loan rates
    #

    New Study Reveals States With Lowest Auto Loan Rates

    Just the Facts:

    • The U.S. states with the lowest average auto loan rates are Michigan, Oregon and Alaska, according to a new study by GoBankingRates.com.
    • The study said the states with the highest average rates are Rhode Island, Connecticut and New Jersey.
    • GoBankingRates.com found the nationwide average interest rate for a loan on a new vehicle is 3.65 percent.

    LOS ANGELES A new study by GoBankingRates.com says the U.S. states with the lowest average auto loan rates are Michigan, Oregon and Alaska. The states with the highest average rates are Rhode Island, Connecticut and New Jersey.

    The study found that the average interest rate nationwide for a loan on a new vehicle is 3.65 percent. In general, states on the West Coast have the lowest overall rates, while the Northeast has the most states with rates of 4.01 percent or higher.

    GoBankingRates.com partnered with Informa Research Services to gather online data from more than 4,000 U.S. banks and credit unions. The study looked at the base interest rates for new-car loans as of July 24, 2013, for terms of 36 months, 48 months and 60 months, then averaged the findings from each state to arrive at the rankings.

    Michigan, the traditional home of the U.S. auto industry, turned out to have the lowest statewide average: 3.03 percent. The best rates in Michigan were 1.49 percent for 36 months, 1.49 percent for 48 months and 1.75 percent for 60 months.

    Oregon and Alaska each averaged 3.04 percent, according to the study. Rounding out the top 10 were New Hampshire, South Carolina, Vermont, Oklahoma, Utah, Washington and North Carolina, with rates ranging from 3.08 percent to 3.31 percent.

    The worst rates were found in Rhode Island, which averaged 5.11 percent. Other bottom-10 results included Connecticut, New Jersey, Massachusetts, Louisiana, West Virginia, Delaware, Mississippi, Pennsylvania and the District of Columbia, with rates from 4.82 percent to 3.95 percent.

    Although the study makes for interesting reading, rates within each state vary widely, so the compiled averages don’t tell consumers the whole story. A car shopper in Rhode Island, the state with the worst average, may find a local financial institution offering a rate equal to or better than the lowest one in Michigan, which had the best average.

    As GoBankingRates.com advises, “When it comes to affordable financing, there are always great options available on the local level, and it’s up to the borrower to find them.”

    In a recovering economy it’s particularly important to shop around for the best rate. For some time, many automakers have helped keep interest rates low through subsidies and incentives that increased sales. As the economy improves, says GoBankingRates.com, interest rates are on the rise.

    But for now, the site notes, “car buyers continue to enjoy some of the lowest financing options available.” It just takes diligent comparison shopping to root out the best deals.

    Edmunds says: As always, it pays to do your homework before walking into a lender’s office or car dealership.



    HECS-HELP – Study Assist #interest #rate #for #car #loans


    #help loan
    #

    HECS-HELP

    On this page:

    What is HECS‑HELP?

    The HECS‑HELP scheme is both a student loan and a student discount. Eligible students may access a HECS‑HELP loan to pay their student contribution amount. Alternatively, eligible students can access the HECS‑HELP discount by receiving a 10% discount on any upfront payment of $500 or more, if they choose not to use a HECS‑HELP loan.

    The HECS‑HELP discount works by increasing the value of a person’s upfront payment. This means that they will actually pay less for their studies if they pay their whole or partial student contribution amount upfront. Please refer to the examples below for more information.

    Note: The Government intends to remove the HECS‑HELP discount. Until the relevant legislation is passed, the current arrangements apply.

    Am I eligible for HECS‑HELP?

    To be eligible for HECS‑HELP, you must:

    • be studying in a Commonwealth supported place ;
    • be an Australian citizen or permanent humanitarian visa holder;
    • enrol with a provider in each unit, by the census date;
    • meet the residency requirements;
    • read the HECS‑HELP, Commonwealth supported places information booklet; and
    • submit a valid Request for Commonwealth support and HECS‑HELP form by the census date (or earlier administrative date) to your provider.

    Return to top

    What are the residency requirements?

    Students are eligible for HELP loans if they undertake, in Australia, at least one unit of study contributing to their course.

    If you intend on studying from overseas via distance education for your entire course then you would not meet these residency requirements.

    You will not meet the residency requirements if your institute believes that you will not be in Australia undertaking any units contributing to your course of study.

    Can I use HECS‑HELP if I’m a New Zealand citizen or a permanent visa holder?

    No. New Zealand citizens and non-humanitarian permanent visa holders are not eligible for a HECS‑HELP loan or discounts for up-front payments of student contributions (unless the New Zealand citizen is also an Australian citizen).

    How does the HECS‑HELP discount work if I pay all my student contribution as an up-front payment?

    To pay your full student contribution up-front, you only need to pay 90% of the total because the Government pays the other 10%, the HECS‑HELP discount, directly to your institution.

    Please note that the upfront payment discount could be removed from as early as 1 January 2015. For further information, see the following news item .

    How does the HECS‑HELP discount work if I pay only part of my student contribution up-front?

    Not all students can afford to pay their whole student contribution up-front. In this case, eligible students can pay part of their contribution up-front and defer the rest through the HECS‑HELP loan. Even partial upfront student contribution payments of $500 or more are eligible for the HECS‑HELP discount.

    Example – how the HECS‑HELP discount and loan works with a partial up-front payment.

    Marnie undertakes 4 units as part of her Bachelor of Engineering, all with a census date of 31 March 2013, and is eligible for HECS‑HELP. The total student contribution for these units is $3,000.

    Marnie makes a partial up-front payment of $500 before the census date, which means her payment, including the discount, is $500 x 1.1111 = $555.50. Her HECS‑HELP debt will therefore be $3,000 – $555.50 = $2,444.50.

    The Australian Government will pay the loan amount ($2,444.50), plus the amount of the discount ($555.50 – $500 = $55.50) to Marnie’s provider on her behalf. Because of her up-front payment, Marnie will defer the student contribution amount she hasn’t paid ($2,444.50) with a HECS‑HELP loan. Marnie will be required to repay her debt through the tax system when she earns above the minimum threshold for compulsory repayment.

    Please note that the voluntary repayment bonus could be removed from as early as 1 January 2015. For further information, see the following news item .

    What if I don’t want to pay any amount up-front?

    Eligible students who don’t want to pay any of their student contribution amounts up-front can use a HECS‑HELP loan for the whole amount. Students who use a HECS‑HELP loan will be required to pay their debt through the tax system when they earn above the minimum threshold for compulsory repayment.

    How much will a HECS‑HELP loan cost me?

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

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

    Important. See the Higher Education reform package page to find out how these reforms affect indexation applied to HELP loans.

    Can I change my payment option?

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

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



    Funding for postgraduate study. #loan #consolidation


    #graduate student loans
    #

    Funding for postgraduate study

    You can get funding for postgraduate study through studentships, bursaries, grants and loans – you might also get help from your employer.

    Studentships

    Studentships are postgraduate positions that have funding attached for fees, living expenses or both. They’re mainly funded by Research Councils UK.

    Teacher training, social work, medical and healthcare courses

    You can apply for funding for:

    Graduate-entry medical students can also get support from Student Finance England for fees charged over £3,465.

    Charities and trusts

    Charities and trusts sometimes provide grants, often for students from poorer backgrounds or those who’ve achieved academic excellence. Find out more at your local library in these publications:

    • the Educational Grants Directory
    • the Charities Digest
    • the Grants Register
    • the Directory of Grant Making Trusts

    Learned societies

    Societies sometimes offer funding for postgraduate or postdoctoral research. They include:

    • the British Academy (for humanities and social sciences – postdoctorate only)
    • the Royal Academy of Engineering (for engineering)
    • the Royal Society (for science – postdoctorate only)


    Study Abroad Loans – International Student Loans #no #teletrack #payday #loans


    #international student loans
    #

    International Student Loans

    As the number of international students studying in the USA continues to increase, the need for international financial aid is constantly growing. To address this need, we provide access to loans for non-US Citizens from anywhere in the world who are planning to study at approved schools throughout the USA.

    We have been a leader in providing loans for international students since 1998, and thousands of international students have applied for loans through our programs. We now offer the first online comparison tool designed especially for international students. Simply use the comparison tool to find the list of lenders available for your school. Once you indicate your school and citizenship, you will be able to compare loans and apply right online.

    Cosigner Required for All Applicants

    The Cosigner must be a US citizen or permanent resident, with good credit, income history and who has lived in the USA for the past 2 years.

    Typically students can borrow up to their school’s total cost of attendance, as determined by the school, minus any other aid received. Total cost of attendance includes room and board and other living expenses. International students are required to have a US Citizen or permanent resident as a cosigner to apply for this loan. International student loans typically also offer:

    • No collateral required
    • Competitive rates
    • Online application
    • and much more

    Compare loans using the comparison tool above, or learn more about the international student loan program in the Loan Details and FAQs pages.

    Study Abroad Loans has gathered this information as a resource for students, and this resource does not intend to imply a relationship between your school and our website or company.

    You should always double-check directly with your school and lender to ensure that your school is eligible.

    2010/2015 Study Abroad Loans – An Envisage International Corporation Website