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Student Loan Consolidation Banks

Bonnie Said:

private student loan consolidation to banking institution?

We Answered:

http://loan-house.we.bs/loanconsolidation.html

Consolidation loans often reduce the size of the monthly payment by extending the term of the loan beyond the 10-year repayment plan that is standard with federal loans. Depending on the loan amount, the term of the loan can be extended from 12 to 30 years. (10 years for less than $7,500; 12 years for $7,500 to $10,000; 15 years for $10,000 to $20,000; 20 years for $20,000 to $40,000; 25 years for $40,000 to $60,000; and 30 years for $60,000 and above.) The reduced monthly payment may make the loan easier to repay for some borrowers. However, by extending the term of a loan the total amount of interest paid is increased.

http://loan--house.blogspot.com/2008/03/loan-consolidation.html

In certain circumstances (for example, when one or more of the loans was being repaid in less than 10 years because of minimum payment requirements), a consolidation loan may decrease the monthly payment without extending the overall loan term beyond 10 years. In effect, the shorter-term loan is being extended to 10 years. The total amount of interest paid will increase unless you continue to make the same monthly payment as before, in which case the total amount of interest paid will decrease. The interest rate on consolidation loans is the weighted average of the interest rates on the loans being consolidated, rounded up to the nearest 1/8 of a percent and capped at 8.25%.

Shannon Said:

where can I find the best deals for private student loan consolidation?

We Answered:

i dont know if any i have listed will help or not, but i'll post it anyway.

i think the first answer was a good post.
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try to aim for grants/scholarships more... they are not to be paid back. its confusing sometimes, but just keep applying. Scholarships usually have a 1 or 2 page application, and require an essay. Take your time with the essay, so yours stands out.

every big (and small) company you see (manufacturer, orgs, corps and groups also) all have grants and scholarships they hand out like candy. Walmart, Kmart, Target, Coke, computer companies etc etc etc

here are some links with a HUGE list of what is available. some you will need to copy and paste into a new window. also, fastweb (take the time to fill it in) will search databases and get back to you with a list of scholarships you qualify for.

Also contact all mens, womens associations in your state, they almost always have grants & scholarships. What ever field you are going into, contact the orgs, associations etc for them; Also check with professional organizations related to your career interests, such as the American Bar Association or the American Medical Association. they also always have scholarships. Research and dig, call then write. Its all worth it.

OVER apply; it doesnt hurt to have too many, and the extra funds can help with housing.

YOU WILL NEED ADOBE READER:
(yes, its free)
http://www.adobe.com/products/acrobat/re…

LIST
http://www.lifebridge.org/gran-list-alph…
http://www.angelfire.com/nj4/njcomputerc…
http://www.chrome.org/scholarshiplist.ht…

MORE & INFO:
http://www.ftc.gov/bcp/menu-jobs.htm
http://www.finaid.org/scholarships/other…
http://www.finaid.org/otheraid/
http://www.back2college.com/library/scho…
http://www.collegeconfidential.com/
http://college-scholarships.com/
http://www.statefarm.com/about/part_spos…
http://www.gmsp.org
http://www.gmsp.org/gmsp_web/(nb5ctd55ga…
http://www.sfa.ufl.edu:16080/scholarship…
http://www.edsf.org/scholarshipAwards.cf…
http://www.fafsaonline.com/
http://www.fafsa.ed.gov/
http://www.feea.org/
http://12.46.245.173/cfda/cfda.html
http://www.salliemae.com/
http://www.ed.gov/finaid/landing.jhtml
http://www.scholarshipexperts.com/
http://www.educationplanner.com/ss/code/…
http://www.studentawards.com/
http://www.collegeanswer.com/index.jsp
http://www.studentscholarshipsearch.com/
http://www.studentscholarshipsearch.com/…

NURSING / CNA
http://www.scholarships-ar-us.org/grants…
http://www.dar.org/natsociety/edout_scho…
http://nursingworld.org/nursecareer/edfu…
http://www.medi-smart.com/finaid.htm
http://www.discovernursing.com/nursing-s…
http://www.ncaa.org/about/scholarships.h…
http://bhpr.hrsa.gov/DSA/nsl.htm
http://www.nsna.org/foundation/
http://www.4cnas.com
http://www.choosenursing.com/
http://www.minoritynurse.com/
http://www.tylenol.com/page.jhtml?id=tyl…
http://www.straightforwardmedia.com/nurs…
http://bhpr.hrsa.gov/nursing/scholarship…
http://www.akaeaf.org/programsandinitiat…

http://www.schoolsoup.com/
http://www.blackexcel.org/link4.htm
http://www.jackierobinson.org/
http://www.wilsonfund.org/scholarships/s…
http://www.siemens-foundation.org/Teache…
http://www.childcareservices.org/ps/teac…
http://www.act.org/goldwater/yybull.html
http://www.uncf.org/

http://www.socxfbi.org/login.asp?reason=…
http://www.finaid.org/
http://studentaid.ed.gov/PORTALSWebApp/s…
http://www.actstudent.org/finaid/scholar…
http://www.act.org/recognition/clients.h…
http://www.act.org/kfcscholars/index.htm…
http://www.kfcscholars.org/
http://www.rhodesscholar.org/
http://www.collegedata.com/
http://www.fastweb.com/
http://www.getreadyforcollege.org/gPg.cf…
http://www.policylink.org/EDTK/AH101/Fin…
http://www.hud.gov/grants/index.cfm

BECOMING A TEACHER
http://www.aft.org/teachers/jft/becoming…
http://www.fseog.com/

CHILDREN OF MILITARY
http://www.militaryscholar.org/about/abo…
http://www.mcsf.com/site/c.ivKVLaMTIuG/b…
http://www.vfw.org/index.cfm <-do search for ‘scholarships’
http://www.milspouse.org/Educ/Fund/MilFS…
http://www.aerhq.org/education_dependent…

INTERNSHIPS,
http://www.fasttrackinternships.com/
http://www.internprograms.com/
http://www.brillstreet.com/
http://ceri.msu.edu/

DEPENDENCY or NOT
http://www.salliemae.com/get_student_loa…

LOAN FORGIVENESS
http://www.pheaa.org/loanforgiveness/hea…
http://www.aft.org/teachers/jft/loanforg…
http://studentaid.ed.gov/PORTALSWebApp/s…
http://www.finaid.org/loans/forgiveness.…
http://www.aessuccess.org/manage/cant_ma…
http://www.staffordloan.com/repayment/fo…
http://www.educationplanner.com/ss/code/…

STATUS OF LOAN OR AID
http://www.nslds.ed.gov/nslds_SA/

IF YOU DON’T HAVE YOUR PIN yet (for your loan / aid status) apply for one:
http://www.pin.ed.gov/PINWebApp/pinindex…

ESSAY HELP
http://www.scholarshiphelp.org/
http://www.gradesaver.com/resources/scho…
http://www.collegeadmissionsessays.com/
http://www.nataviguides.com/broke_essay.…
http://www.princetonreview.com/college/a…
http://www.scholarshipessay.us/
http://www.freschinfo.com/tips-brainstor…
http://www.freschinfo.com/tips-topic.php
http://essayedge.com/
http://www.korepetycje.com/Essays_Articl…


GRANT SCHOLARSHIP SCAM LIST
(if you find a scam report it here too)
http://www.ftc.gov/ftc/consumer/media_ps…

LOANS
http://www.acteducationloans.com/
http://www.finaid.org/loans/educationlen…
http://www.financialaid.com/plus/index.c…
http://www.alternativestudentloan.com/
http://www.parentplusloan.com/
http://www.financialaidpodcast.com/about…
http://www.myspace.com/financialaidpodca…
http://www.FinancialAidPodcast.com

GRAD LOANS & SCHOLARSHIP
http://www.gradloans.com/graduate-plus-l…
http://www.gfoa.org/services/scholarship…

DEFAULTED STUDENT LOANS
http://www.ed.gov/offices/OSFAP/DCS/inde…

CONSOLIDATE LOANS
http://www.plusloanconsolidator.com/
http://www.salliemae.com/after_graduatio…
http://www.salliemae.com/content/private…
http://loanconsolidation.ed.gov/

RATE MY PROFESSORS
http://www.ratemyprofessors.com/index.js…

INTERNATIONAL STUDENTS
http://www.iefa.org/
http://www.iefa.org/resources/
http://educationusa.state.gov/
http://college-scholarships.com/
http://www.studyabroad.com/forum/financi…
http://www.internationalstudent.com/
http://www.internationalscholarships.com…
http://www.internationalstudentloan.com/
http://www.globalslc.com/
http://www.edupass.org/finaid/loans.phtm…
http://www.abroadplanet.com/student-loan…
http://www.salliemae.com/international/

HISPANIC SCHOLARSHIPS
http://www.hsf.net/
http://www.scholarshipsforhispanics.org/
http://www.statefarm.com/about/part_spos…
http://www.hsfi.org/
http://scholarships.hispanicfund.org/app…
http://www.chci.org/chciyouth/scholarshi…

Paul Said:

Student Loan consolidation help?

We Answered:

You'll be consolidating at the end of your education, if you struggle to pay different bills.

But do not consolidate with a private company before the end of your scholarship, because you start paying interests from the day you consolidate.

Good luck !

Justin Said:

Student loan consolidation help?

We Answered:

apply for a 0% interest credit card and put the loans on that, I did it, and it lowerd my payments dramatically! Pay on time for 1 year then do the same after the 0% offer expires

Ricky Said:

When you get a student debt consolidation loan, do you have to use it for that?

We Answered:

If this is like a personal loan where they put the money into your account or gave you a check to do as you please with (well, you were supposed to pay off your loan) there isn't a way for them to track how you spent it.

The lender would have been smarter to have you provide all your student loan statements, and then paid them off for you. Too many people do what you are thinking of doing....bypassing what they really got the loan for and paying for other things.

I agree with the other guy, you are going to regret this.

Amanda Said:

Student loan consolidation and taxes?

We Answered:

As long as it's still a qualifying student loan, yes. If you pay it off with a personal loan or home equity loan then no.

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