Student Loans

Student Loans For Every Occasion

At some point in life, it is almost guaranteed that you will be applying for a loan of some sort. Paying cash for products and services is not only becoming obsolete, it's terribly inconvenient. Today, credit is a way of life, and as more and more people begin to shop online, plastic is the currency accepted everywhere.
The most basic of loans is of course, the credit card. Companies that issue credit cards make money every month that you carry a balance, and they are betting on the fact that you won't pay off the balance every month.
Some loans actually make good business sense. Why would anyone want to shell out $300,000 for a new home when they could get a Home Loan and pay $1,000.00 a month, and then deduct the interest paid from their income taxes? That three hundred grand could be put to work in other investments, and could conceivably earn more for you than you are actually paying for the house! And all that time, if you time it right, your house becomes more and more valuable.
There are also times when for many people things just aren’t going well financially. An unexpected expense occurs and you find yourself just coming up short on your living expenses. Many types of loans exist for this type of situation, both secured and unsecured.
Maybe you just need some quick cash to get through the holidays, and intend to pay the loan off within the next few pay periods. Companies offering short term Payday Loans abound both on the Internet and off. Some with no credit check will transfer up to $1,500 into your bank account within 24 hours.
Student loans, auto loans, small business loans, personal loans, home loans, second mortgages, payday loans, government loans, bad credit loans, loans to consolidate other loans – there is a loan for just about any occasion out there.
The question is how much are you going to pay for your loan? And the answer to that depends in most cases on your credit history.
Your Credit History:Weather or not you get the loan, and how much it will cost you.
It is never too early to start establishing credit, and the best way to do this is with a credit card. If you are finding it difficult to obtain a credit card because you have no history, you can always buy your history by applying for a secured credit card or line of credit. Put down $500 or $1,000 and borrow against it. Make sure the institution you are applying to reports to the major credit bureaus, use the line of credit and pay your bills on time, and voila – you have a credit history! There is nothing wrong with carrying a balance over, just pay the minimum or a bit more, and pay it on time! Creditors like to think they will be making some money off of you.
What Lenders are Looking For
While different institutions have different criteria, there are some generalizations one can make about how they determine the creditworthiness of an applicant. Make no mistake about it; creditors are in the business of making money. If your credit is less than perfect, it doesn’t necessarily mean you won’t get the loan, but you will be paying more for it!
After receiving your application, a lender will then acquire a credit report from one of the three major credit bureaus, Equifax, Trans Union, or Experian. This is your credit history. Taking into account such factors as your income, the balances in your checking and savings accounts, the assets you own, the length of time you have been at your current job and place of residence, the amount you owe other creditors, and how promptly you pay your bills, the potential lender will then make a determination on if you will get the loan, and how much they will charge you for it.
Frequent late payments, bankruptcy, repossessions, legal judgment liens, or accounts being turned over to collection agencies do not bode well for obtaining a loan. That being said, most creditors realize that life happens, and such legitimate circumstances like an unexpected illness, injury, or the loss of your job do not necessarily reflect negatively on your creditworthiness.
When Things Take a Turn for the Worse
If you are in the process of paying on a loan or loans and one of these unforeseen circumstances befall you, talk to your loan officer. Most loan institutions find it in their best interest to work with the lendee, and will often make the necessary arrangements to make it easier for you to make your payments. Just remember, they want their money, and the last thing they want is for you to default on your loan, or heaven forbid, declare bankruptcy!
(Michael Talbert/Isnare.com)

Campus

To Live On Campus Or Off Campus, That Is The Question

 

I recently had a decision to make about on campus living. I’d lived on campus for two years. The first year, I was just a student. The next year, I was an RA (Resident Advisor), which meant that my room and board were paid for as a part of my job. There will always be debate in families concerning students who have the option to either live on campus, off-campus, or stay at home. The decision varies from family to family, depending on preference. However, college finances should always be considered.

On Campus Living

The college experience changes from university to university. However, I know that most students really enjoy living on campus (for a variety of reasons that their parents may not like to hear). Unfortunately, living on campus is expensive! Dormitories (or Residence Halls), can be quite expensive and in most cases cost just as much, if not more than the tuition to the University. Not only that, but also many universities have meal plans that students must pay for in order to eat. Add in the cost of other necessities (such as toiletries) and living on campus can put a serious dent in anyone’s wallet. To many people, the experience of living on campus is priceless, and the friendships that form throughout the course of a year on campus are long lasting. There is also a certain stability available with on campus living (no angry landlords to deal with). Although the cost may be slightly higher, convenience and experience can be enough to drive people to live in the dorms.

Make sure you or you’re child take the time to analyze the housing options. Many campuses have different costs for different types of dorms. While having air conditioning and a ton of space is great, don’t be afraid to save money and go with the more affordable housing that lacks air conditioning and has students packed into rooms like prisoners. Consider where a majority of the student’s classes will be taken. If you or your child is at an extremely large university, whole departments can be on different sides of campus. If one is studying engineering, it wouldn’t make much sense to live close to the humanities buildings. Also, consider the learning environments. Many colleges have specific residence halls designated for certain types of majors, freshman, sophomores, etc. Living with people who have similar interests, backgrounds, or work ethics can be very beneficial.

Off Campus Living

Campus is great, but often times, come junior and senior year, students get tired of living with freshman and dealing with their RAs. They can also get tired of paying the expensive housing fees that many universities hand out. For this type of person, off campus living is a viable option. The truth is, that living off campus can save you or your child a significant amount of money. It has to be done right, but it can be done.

Again, doing research is paramount when considering off campus options. Consider proximity to campus. How will you get to class each day? Can you walk or take a bike? Can you take a bus? Will you need a car or a parking pass? How much will gas cost? These types of questions must all be considered. Next, consider roommates. The fact remains that, while everyone has the story of the hellish roommate, having one can greatly reduce costs. If rent is $500 a month for one, it's only $250 a month for two. Using my college math skills, I determined that $250 is less than $500, so I would certainly be willing to put up with some dirty socks on the floor or some roommates troublesome girlfriend in order to save thousands of dollars yearly. Keep in mind, that when living off campus, bills will be different. Be sure to ask the tough questions concerning utilities. Take the time to understand the terms of the lease. Think about food. Many people are surprised with how much food can actually cost. On campus living is safe with all of the dining halls right there, and meal plans bought at the beginning of each semester or quarter. However, off campus, one actually has to cook things and consider those costs.

I have talked to people who love living off campus. They wouldn't change it for the world. It is also a great step towards true independence. While living on campus is a great experience, it still has that safety net. Off campus living, if you miss a rent payment, you can get kicked out. Students can learn how to manage their monthly bills in a way that was previously impossible.

Lifestyle changes may also have to occur. When one could previously fall out of bed and make it to class in 5 minutes, that person must now consider the time it takes to get to class from the off campus location. If you rely on a bus, being late is no longer an option. No longer will an RA be banging on your door to quiet you down, you may just have to deal with the cops. In that same vein, no longer will an RA be able to bother your neighbors about their music, so if it’s thumping at 2AM on a Tuesday and you have a 9AM exam, you’ll have to deal with it yourself.

The last off-campus option is always to live at….home. Yes, I know it’s the nightmare of all college students to be stuck at home with their parents. Depending on families, this can be a great choice. Financially, it is the best out of everything, because you are avoiding housing costs altogether. Of course, if you go to school far away, this isn’t an option, but if you live in the same city, it should be considered. No matter what you decide, be sure to make the college experience your own and enjoy it. Parents, make sure to let your kids experience college as well. Consider finances, weigh the options, and I’m sure you’re decision will work out (and if it doesn't, there 's always next year!).

Scott/Isnare.com

Education

Is Traditional Education Better Than Technology-Based Education?

This interesting article addresses some of the key issues regarding education. A careful reading of this material could make a big difference in how you think about education.

On-line education is in trend nowadays. In the future, students may have the opportunity to study at home with computers rather than go to traditional schools like what we are used to doing. And in some cases online education is the only way available.

The most common on-line form of education today is English tutorials. As of now, students and tutors use IM (instant messaging), headset and web camera as the path of communication and of education. Is this the better option?

People must prefer the traditional way because in a classroom setting, students can learn and socialize with their peers. Also, from the instructor, he or she can teach students many valuable lessons of life which cannot be learned through technology. It is like the question of doing research through the library or the internet. Both have advantages and disadvantages but traditional education has the numerous advantages over on-line education.

It seems like new information is discovered about something every day. And the topic of education is no exception. There are always fresh and new ideas about education.

Students learn better socially and academically in a classroom. Students are mostly young-aged. Therefore, they are generally interested in meeting and being with their peers. As they interact, it makes it easier for them to pay focus and learn. As social creatures, one could not just stay secluded and educate his own self. That is impossible! We live, grow, learn and succeed with people along the way.

Besides lecture materials, a classroom instructor teaches many other important life lessons. Students can learn and develop punctuality and good study habits. A teacher serves as a guide through education process which is a big part of life. Another important mission is to direct youth out of trouble. There is this bond between the instructor and the students which could not be built on-line. As the source of education, a teacher is not around just to introduce books and exams but also, he or she is selfless enough to share the lessons life taught her or him.

We must prefer to study at traditional schools and let us send our children there. It is because being around other people of our age or different ages gives us the opportunity to socialize and learn not only from the internet or books but from the society and from life. We could also learn other things which are important to education such as study skills. On-line education or any form of technology-based education is convenient. However, let us not risk quality. Long-term goals must always be prioritized.

And of course the other thing would be peer pressure and the competitive spirit of being the best in the classroom. A little competition is always good.

No matter how advanced technology would be- there will always be these things that would stay best if they would be maintained as is. One of these things is education.

Is there really any information about education that is nonessential? We all see things from different angles, so something relatively insignificant to one may be crucial to another.

I hope that reading the above information was both enjoyable and educational for you. The bottom line remains the same. I still believe that in my honest opinion, traditional education is the best, and always will be. But the most important thing is to get more education, any way that you can. Your learning process should be ongoing--the more you understand about any subject, the more you will be able to share with others. Your life will improve for you and your loved ones. (Bob Will/ Isnare.com)

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