Studentloan

Sunday, January 25, 2009

Student Auto Loan

Get a Free Student Auto Loan Quote!Qualify for an auto loan online in minutes, even if you have credit problems. We have o ptions for borrowers with good credit, bad credit, or no credit and great low rates for borrowers with good credit.Submit your loan request and personal information online securely. We'll find you the best deal by matching your request with our network of lenders. You'll be contacted directly by the lenders with free, no-obligation loan quotes. The final decision is up to you.

Student Loans and Financial Aid Overview

Student Loan Network is one of the nation's fastest growing student loan providers and an expert resource of financial aid information. For more than ten years, we have helped undergraduate and graduate students and their families access federal and private student loans, free scholarships and consolidation funding. Please follow the links links below to learn more about each part of the student loan and financial aid process.FAFSA Financial Aid ApplicationEnsure that you have completed the appropriate FAFSA application. For free application advice and submission instruction, please visit FAFSA online - your guide to the Free Application for Federal Student Aid. FAFSA Financial Aid Forms are required for all federal student aid and are strongly recommended for all students.Always start with the Stafford Loan as it typically offers the best rates and repayment options. Should you need additional funds to pay for college, additional options are a Private Student Loan and a PLUS Loan for Parents.

Saturday, January 24, 2009

Get Started – Easy Online Application

Federal Student Loan Consolidation Payment ReliefOne of the key benefits of consolidating your federal school loans is payment relief. By combining all of your student loans into one consolidated loan, you can lengthen your repayment term from the standard 10 years to up to 30 years, depending on the amount of your education debts. With a lower monthly payment, you'll have more money available to meet other living expenses, including car payments, housing expenses, and career-related necessities. Because there are no penalties for overpayment, you can make larger payments and reduce your repayment term when it becomes affordable. Learn more about how student loan consolidation works in this step-by-step tutorial.Consolidating with Student loan ConsolidatorGet one-on-one personalized customer service. Our loan counselors will educate you on the benefits of federal student loan consolidation and help you determine if consolidating is the right choice. We will explain the consolidation process and the repayment options that are available to you.What Qualifies for Federal Student Loan Consolidation?Federal loan consolidation can include Federal Stafford Loan consolidation, PLUS Loan consolidation, Direct Loan consolidation as well as Perkins Loans, HEAL Loans and all Federal FFELP and Direct Loans taken to pay for your education. Private student loan consolidation is different - You will lose your federal loan benefits if you consolidate your federal loans into a private loan consolidation.

How Student Loan Consolidation Works

We are here to make the student loan consolidation process easy by providing information and support via the web and phone. The following step-by-step guide will help you understand how consolidation works and how it will benefit you for years to come.Step 1: Apply for ConsolidationThe first step in consolidating your student loans is applying for a consolidation loan using our free, no-obligation application form. When you apply, you'll have the choice of receiving an application and information packet via eSignature or postal mail. Your packet will contain a consolidation application, as well as information about your discounts, and details on how your interest rate is computed.Step 2: Locate Your Student LoansAs a result of recent changes at the Department of Education, you'll need to provide your student loan information with your consolidation application. There are several ways that you can locate your student loans and our loan counselors will gladly walk you through each process.Step 3: Sign and MailOnce you have reviewed the promissory note, and understand the terms, you will sign and return it to us. Either by eSignature online, or by sending the paper application back in our pre-paid envelope.Get Started – Easy Online ApplicationStep 4: Application ProcessingUpon receiving your signed application, your loan counselor will check the application for errors. We also check to make sure it complies with all federal guidelines set forth for federal loan consolidation. This ensures that your application is completed quickly and accurately.After your application is submitted for processing, the loan retrieval" begins. We contact your lenders for the exact amount you owe; this information is sent to us on a loan verification certificate, or LvC. This process can take up to 60 days depending on the response time from your lender(s). Once we have valid LvC's from your lender(s), we will send them a check for the balance of your student loans.Once the check is sent to your lender(s), your loans have officially been consolidated. You will receive a new statement from us detailing when your first payment is due, and when each payment is due thereafter. Your previous lenders can take a week or two to close out your accounts, so do not be alarmed if you get a statement from us, and a statement from your old lender. This is normal.Your first billing statement from us will include the automatic checking account withdrawal enrollment form. It will also include information on any other discounts you are eligible for. Your consolidation will now appear on your credit report. Your previous Stafford loans are paid in full. This is why consolidation is a smart idea for your credit rating - it shows that you have successfully paid off all your existing Stafford loans, which reduces the number of loans you owe, and shows you successfully paid off a series of debts, both of which increase your credit score.

Student Loan Consolidation Benefits

How big is your monthly payment?Let's face it, life after graduation can get very expensive. With all the living expenses tied into post grad life, including housing costs, car payments, and relocation, why worry about a huge school loan payment? Student loan consolidation can reduce your monthly payment, and help you manage your budget.Take advantage of these benefits: * Reduce your monthly payment by as much as 53% * No penalties for early repayment * Improve your credit score * Simplify your monthly bill-paying paperwork with one payment a month * No credit check, no co-signers needed, and no fees * Consolidation loan interest is Federal Income Tax Deductible

How big is your monthly payment?

Student credit cards come in handy for emergencies as well as for many things that you'll probably regret later. If you're like most of us you're not exactly using cash to pay your way through college. With around $85 billion in new student loan debt projected this year you're definitely not alone. With the average graduate already owing $20,000 in student loans tacking on additional credit card debt- and payments, is the last thing you need.The American Bankruptcy Institute reveals that 20% of the people who filed for bankruptcy in 2007 were college students. That’s worth restating. Out of every 5 people declaring bankruptcy, one is a college student. If you’re carrying credit card debt you need to read this article. It may hurt a little now to get rid of your credit card debt but being credit card debt free later can be life-changing. There are no easy fixes but if you’re dedicated this plan is will help you.