Tuesday, March 23, 2010

Students Loan Consolidation Programs

Student Loan Consolidation Programs has never been easier with todays Internet resources at your finger tips. When looking for the best student loan consolidation information take some time to research the the process of getting the best rates and plans for yourself.

So what does student loan consolidation involve I hear you ask? If you are a current or former student with school loans, you have probably been bombarded with mailed and on line solicitations to consolidate your debt. The loan application process can seem overwhelming, particularly if you have more than a couple of loans issued from a number of lenders. However, it is generally simple and straightforward if you are prepared. There are several advantages for having a student loan consolidation program and although they won't all apply to you, some of them will. Here is a brief overview of what you can expect when you decide to consolidate your student loans.

First, you will need to choose a lender for your student loan debt consolidation It has never been easier than it is today because we have Internet resources available at our finger tips.
There are many to choose from, but, in general, it's smart to stick to a well-established financial institution. These lenders will have a variety of payment plans and discounts, and they will be less likely to sell your loan to another lender in the future. There should never be a charge or fee for consolidating student loans. As well, a lender should not need to check your credit because Federal student loans are guaranteed by the U.S. government.


Next, you will need to fill out a student loan consolidation application Remember to gather all the student loan consolidation information you have on your existing loans prior to filling out your application. Also, you will need to supply personal references. Before you sign your name on the application, make sure that you clearly understand the terms of the new loan. Ask about incentives and discounts that can help reduce your payment. Many lenders have forms you down load and on line calculators to determine the amount you will pay with your new loan.

Once you have submitted your completed student loan consolidation application, the lender will send each of your loan holders a Loan Verification Certificate (LVC) to verify the amount owed on each of your Federal student loans. You can expect that your existing lenders will take up to 30 days to return the LVCs. Once these certificates are processed, the interest rate will be calculated and a disclosure statement is prepared. Checks will be issued to your lenders to pay off your loans, and your new consolidated loan will be issued.

This entire process can take between 30 to 180 days to complete, and if information is missing from your application, it can take even longer. Most lenders have customer service representatives who will gladly keep you updated on the status of your loan application. Remember to continue to pay on your existing loans while your application is being processed. You will be financially responsible for these loans until the new lender has paid off them in full.

Finally, keep in mind that interest rates on student loans are adjusted annually every July 1st. This year, rates will be increasing 2.1 percent. You can be assured of the lower rate if you submit a completed application early. If you have credit card debt you may be paying 20% plus interest. Interest rates are currently at their lowest for 40 years. Your new consolidated loan will have a low fixed rate of interest. Could there be a better time to consolidate your loans? Don't wait until the end of June to start the process.

While consolidating student loans can be a time consuming task, with a little advanced preparation and research you can complete your application with minimal effort. And, once your new loan is processed, you will most certainly be thrilled with your lower student loan repayment.

Saturday, March 20, 2010

Small Business Entrepreneur



Former Small-Business Owner in Congress to Back Health Care Bill - New York Times (blog)
Former Small-Business Owner in Congress to Back Health Care BillNew York Times (blog)That Ms. Markey, who ran two Small Businesses before being elected to Congress, would come around to the Democrats' top priority is not too much of a ...and more��

Friday, March 19, 2010

entrepreneur success stories



This entrepreneur made the right choice - The Hindu
The HinduThis entrepreneur made the right choiceThe HinduSoon, he set up Sabari Musicals on a Rs.2-lakh loan and is today one of the success stories from the BYST. His clients include musical instrument shops in ...

Thursday, March 18, 2010

Successful Entrepreneurship



TiEcon 2010 Announces Keynote Speaker Dr. K. Anji Reddy, Founder-Chairman of ... - CNNMoney.com (press release)
TiEcon 2010 Announces Keynote Speaker Dr. K. Anji Reddy, Founder-Chairman of ...CNNMoney.com (press release)The theme of TiEcon 2010, "It's in your DNA," emphasizes the qualities inherent in all Successful entrepreneurs. "I am excited to be speaking at TiEcon 2010 ...and more��

Wednesday, March 17, 2010

successful online entrepreneurs



Maverick Money Makers Is The New 'Make Money online; How To' Program Creating ... - Emailwire (press release) (blog)
Maverick Money Makers Is The New 'Make Money online; How To' Program Creating ...Emailwire (press release) (blog)This knowledge took other successful entrepreneurs years to gain," said online entrepreneur Dave Fider. This program exposes all secrets that long-time ...and more��

Tuesday, March 16, 2010

successful online entrepreneurs



What's Left For Startups At SXSW? - ReadWriteWeb (blog)
Bloginity (blog)What's Left For Startups At SXSW?ReadWriteWeb (blog)This afternoon, a keynote interview with Twitter's Evan Williams will surely provide any striving entrepreneur with some intriguing insights into his ...South by Southwest home to 'nerd' networkingCNNall 236 news articles��

Sunday, March 14, 2010

entrepreneurship development



One-month development course kicks off - Times of India
One-month development course kicks offTimes of IndiaHe was speaking at the valedictory function of the one-month Technology-Based entrepreneurship development programme, organized at Manipal Institute of ...and more��

Saturday, March 13, 2010

Successful Entrepreneur



Always have a plan B and a plan C - Financial Times
Always have a plan B and a plan CFinancial TimesIt could be the motto of many Successful Entrepreneurs but it has a particular resonance for Dominic Lake. As a passionate car enthusiast, ...

Friday, March 12, 2010

entrepreneur success stories



Dev Ittycheria Joins Bazaarvoice Board of Directors - MarketWatch (press release)
Dev Ittycheria Joins Bazaarvoice Board of DirectorsMarketWatch (press release)For more information and access to client success stories, visit www.bazaarvoice.com, read the blog at www.bazaarvoice.com/blog, and follow on Twitter at ...and more��

Thursday, March 11, 2010

Successful Entrepreneurship



New Grand Valley entrepreneurism center aims for 'cultural transformation' - MLive.com
MLive.comNew Grand Valley entrepreneurism center aims for 'cultural transformation'MLive.comWe have a long-standing history here of Successful entrepreneurs that have created wonderful businesses, so we want to make sure we sort of reinvigorate ...

Wednesday, March 10, 2010

Small Business Entrepreneur



Office vacancies could be boon for new Business - Orlando Sentinel
Office vacancies could be boon for new BusinessOrlando Sentinel"The exposure we get to clients and people is amazing," said Dhanani, who works for the first Small Business to participate. "We're right in the mix. ...and more��

Tuesday, March 9, 2010

successful entrepreneurs in the world



Communists are Back in Africa - Huffington Post (blog)
Communists are Back in AfricaHuffington Post (blog)According to a successful East African entrepreneur, Gates is "the elephant that tramples the grass." they invested so much money in coffee growing regions, ...and more��

Monday, March 8, 2010

Successful Entrepreneur



Replicators, Innovators, and Bill Gates - Washington Post
Replicators, Innovators, and Bill GatesWashington PostYou can build a good lifestyle business that pays the bills, or that does good for the world, and be considered a Successful Entrepreneur. ...and more��

Sunday, March 7, 2010

Successful Entrepreneurship



Replicators, Innovators, and Bill Gates - Washington Post
Replicators, Innovators, and Bill GatesWashington PostYou can build a good lifestyle business that pays the bills, or that does good for the world, and be considered a Successful entrepreneur. ...and more��

Saturday, March 6, 2010

successful entrepreneurs in the world



UNDERGRADUATE Profiles - BusinessWeek
UNDERGRADUATE ProfilesBusinessWeek... on the real world and preparing its students well for what's to come beyond their education at Babson and creates successful entrepreneurs and employees ...UNDERGRADUATE ProfilesBusinessWeekUNDERGRADUATE ProfilesBusinessWeekUNDERGRADUATE ProfilesBusinessWeekall 105 news articles��

Friday, March 5, 2010

entrepreneurship development



Businesses need to get smart about social media - The City Wire
Businesses need to get smart about social mediaThe City WireEditor's note: Michelle Stockman works with Little Rock-based Arkansas Capital Corp. to promote entrepreneurship development around the state. ...and more��

Thursday, March 4, 2010

successful online entrepreneurs



Couple Improves Relationship by Creating a successful Business - BigNews.biz (press release)
Couple Improves Relationship by Creating a successful BusinessBigNews.biz (press release)Kevin and Diane Handes are online entrepreneurs running a business out of Uralla, New South Wales. They are part of a growing network of entrepreneurs who ...and more��

Wednesday, March 3, 2010

Small Business Entrepreneur



Charlotte Woman Entrepreneur Crowned Winner of the Make Mine a Million ... - MarketWatch (press release)
Charlotte Woman Entrepreneur Crowned Winner of the Make Mine a Million ...MarketWatch (press release)American Express OPEN is dedicated exclusively to the success of Small Business owners and their companies. OPEN supports Business owners with exceptional ...and more��

Tuesday, March 2, 2010

Small Business Start ups



Loan tap tight for Small biz, especially Startups - New York Daily News
Loan tap tight for Small biz, especially StartupsNew York Daily NewsIn recent months, the loan tap has begun to open for government-backed Small Business loans. After falling off a cliff, the number of US Small Business ...and more��

Monday, March 1, 2010

entrepreneur success stories



Six Saudis chosen for Obama's summit of entrepreneurs - Arab News
Six Saudis chosen for Obama's summit of entrepreneursArab NewsThe summit will cover topics such as entrepreneurial success stories, businesswomen, young entrepreneurs, the culture of entrepreneurship and the roles of ...