My student loan consolidation rates site

Compare Student Loan Consolidation Rates in Choosing a Lender

One of the most important thing to consider in choosing a lender is to compare student loan consolidation rates. Most students who've graduated find it wise to consolidate student loans upon graduati...

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Student Loan Consolidation Interest rates

Great lake student loan consolidation is at an ok rate but do your research first before you go a head. One often overlooked benefit of student loan consolidation is that it can actually improve your ...

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Student Loan Consolidation Rates from Banks and Lenders.

Student Loan Consolidation Rate from Banks and Lenders. Student Loan Consolidation Rate through these larger programs is obviously legitimate and will probably make the consolidation process much eas...

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Student Loan Consolidation Rates - It Pays To Shop Around

In order to repay them within the ten year period most loan programs favor, the monthly payments are often expensive - more expensive than most people can afford, especially six months after graduatin...

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Best Rates for Student Loan Consolidation!!

Student loan consolidation interest rates are very competitive and vary considerably from lender to lender. Loans for student consolidations can be obtained from the government, and also through priva...

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Student Loan Consolidation Rates...

Are you career minded and want to further your education, but you don't have the funds available? Do you have a million dollar itch, but you can only scrape up $40 to scratch it with? Thanks t...

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Get the Best Rates on Student Loan Debt Consolidation

Student loan consolidation might be a great resource for students to provide financial support for their college fees. Nevertheless, the rates might even be a weigh down more than ever if you are not ...

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Student Loan Consolidation - 6 Effective Ways To Get The Best Rates

Student loan consolidation can be one of the greatest resources for students to pay for their college fees. However, the rates may also be a burden especially if you were not able to choose the best r...

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Take Advantage of Student Loan Consolidation Before Rates Rise 1.84 Percentage Points on July 1

Take Advantage of Student Loan Consolidation Before Rates Rise 1.84 Percentage Points on July 1 The interest rate increase on federal student loans (http://www.nextstudent.com/private_loans/p...

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Student Loan Consolidation Rates Expected to Soar on July 1

Student Loan Consolidation Rates Expected to Soar on July 1 Student loan consolidation is the way to go for college students and graduates who want to help ease the burden of their hefty loan payment...

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Student Loan Consolidation - Lock In Rates Before July 1

Student Loan Consolidation - Lock In Rates Before July 1 Now is the time for student borrowers to consolidate their outstanding student loans. There are less than three months left before the July 1 ...

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Student Loan Consolidation Rates Set to Increase on July 1

Congress voted on and passed Feb. 1 the Deficit Reduction Act of 2005 that included massive cuts to federal student loan programs. The $11.9 billion in student loan cuts, including changes in laws re...

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Student Loan Consolidation - How To Get The Best Rates And Plans?

Copyright 2005 Dean Shainin Student loan consolidation can have many benefits for the career minded student. With the prices of things going through the roof, going to college can be very costly. Ma...

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July 1 Brings Record-Setting Drop in Student Loan Interest Rates (Marketwire via Yahoo! Finance)

Both new and current student loan borrowers of certain federal Stafford student loans saw two interest-rate drops go into effect yesterday that could save them significant amounts of money on these fixed- and variable-rate student loans.

Student loan rates will decrease July 1 (9 News Denver)

KUSA -Â Students who have outstanding student loans such as a variable Federal Stafford and PLUS Loans, will pay less beginningÂ July 1.

New changes will do you good if you have student loans (USA Today)

A raft of changes that will take effect Tuesday that will make student loans less onerous for many borrowers.

As Economy Struggles, Debt Consolidation Helps Thousands (Today's News-Herald)

(ARA) - Everywhere you look you see news about the "credit crunch" and the mortgage foreclosure crisis and, if you're like most Americans, you're feeling the pinch too.

Student loans (ABC 15 Phoenix)

It seems a lot of people do not understand student loan consolidation. Mortgage Originator Dean Wegner says there is the good, the bad and the ugly on Student Loans. They are the most common extreme "lates" that many people are totally unaware of.

Untangling student loans (Chicago Sun-Times)

The world of student loans just became more complicated, unfair and expensive for some borrowers, while others are about to get a great deal! It all depends on whether you're borrowing now -- or dealing with loans from the past.

Tuesday, July 01, 2008 (Today's News-Herald)

How to Save Money on Auto Insurance (ARA) - Shopping online is an incredibly efficient way to explore different auto insurance options.

Don't Let a DUI Cost You Your Future (The Colony Courier-Leader)

(ARA) - Driving intoxicated is not only dangerous, but getting caught can come with a hefty price tag. In 2006, intoxicated drivers contributed to 32 percent of traffic fatalities, or 13,470 deaths. By taking some precautions, you can avoid a costly DUI and stay safe on the road.

Market Intervention, Data Manipulation Still Accelerating (GoldSeek.com)

Free source for precious metals information and financial truth. Offering a range of information such as latest news from around the world, commentary, market updates, stock reports, coin information, quotes, forums plus much more!

July 1 Brings Record-Setting Drop in Student Loan Interest Rates - Earthtimes (press release)

July 1 Brings Record-Setting Drop in Student Loan Interest Rates
Earthtimes (press release), UK - Jul 2, 2008
PHOENIX, AZ -- 07/02/08 -- Both new and current student loan borrowers of certain federal Stafford student loans saw two interest-rate drops go into effect ...

New changes will do you good if you have student loans - USA Today

Washington Times

New changes will do you good if you have student loans
USA Today - Jul 1, 2008
Like your driver's license and your high school diploma, your first student-loan payment is one of those milestones that mark the journey from youth to ...
Student loan rates will decrease July 1 9NEWS.com
all 90 news articles

Focus on Finance: Some student loan rates set to fall on July 1st - KARE

Focus on Finance: Some student loan rates set to fall on July 1st
KARE, MN - Jun 30, 2008
If you are pursuing a loan consolidation for your variable rate loan portfolio Loans outside the box. Traditional student loans are not the only way you can ...

As Economy Struggles, Debt Consolidation Helps Thousands - Today's News-Herald

Today's News-Herald

As Economy Struggles, Debt Consolidation Helps Thousands
Today's News-Herald, AZ - 15 hours ago
Debt consolidation entails taking out one loan to pay off many other loans. Having just one loan can secure a lower or fixed interest rate and can benefit ...

A bit of rate relief for students - Marketplace

A bit of rate relief for students
Marketplace, CA - Jun 30, 2008
If you're looking to do some loan consolidation, it's also a good time to lock in a lower rate. And Bob, some two-thirds of undergrads from four-year ...

New student loan consolidation helps...about three people - WalletPop

New student loan consolidation helps...about three people
WalletPop, VA - Jun 24, 2008
After July 1, if you have any unconsolidated federal student loans with a variable interest rate, you can consolidate at the low, low rate of 3.6%. ...

Looking for a student loan? They're still available, but you'll ... - Boston Globe

Best Syndication

Looking for a student loan? They're still available, but you'll ...
Boston Globe, United States - Jun 3, 2008
Over the next four years, that rate will fall to 3.4 percent. Finding a consolidation loan through a private lender will be difficult; fewer banks will ...
Credit crisis may limit options for student loans AZ Central.com

Comment by Susan Mead Financial Aid Director, Dutchess Community College
all 73 news articles

Student loans - ABC15.com (KNXV-TV)

Student loans
ABC15.com (KNXV-TV), AZ - Jun 25, 2008
It seems a lot of people do not understand student loan consolidation. Mortgage Originator Dean Wegner says there is the good, the bad and the ugly on ...

Student Loan Consolidation Center Student Loan Trust I Announces ... - Stockhouse

Student Loan Consolidation Center Student Loan Trust I Announces ...
Stockhouse, Canada - Jun 12, 2008
On May 30, 2008, Student Loan Consolidation Center Student Loan Trust I, a Delaware statutory trust ("SLCC I"), distributed an Offer to Purchase (the ...

FIXED RATE PRIVATE STUDENT LOAN CONSOLIDATION APPLY ONLINE

FIXED RATE PRIVATE STUDENT LOAN CONSOLIDATION APPLY ONLINE
Secret154888
3 min - Jun 19, 2008

FIXED RATE PRIVATE STUDENT LOAN CONSOLIDATION APPLY ONLINE Student Ratio qualification plays a major part in the decision-making process of a Student loan. There are two ratios that are calculated for most Student programs. One ratio is the housing ratio, also known as the Student front-end ratio. the other ratio method is Debt, or back-end, ratio There will be many a case in which your Student borrower will not meet the qualifying standards to qualify for a loan. There must be prevailing circumstances, known as compensating factors, to ask the Student lender for an exception. Which of the items listed below would be considered a compensating factor for an Student High residual income A typical maximum qualifying housing or front-end ratio for a Student conforming Student loan is 28%A typical maximum debt, or back-end, ratio on a Student Ohio conforming Student is 36% To calculate the decimal equivalent of a fraction for figuring the Student Ohio, you will need to divide the numerator by the denominator.the decimal equivalent of the fraction for 5/8 for the Student is 0.625 The good faith estimate for Student Ohio is a regulatory disclosure. When must the Student loan originator present a good faith estimate to the borrower No later than three days after the application is taken 25 basis points for a Student Ohio equal to? 1/4%. we cater all types of loans. visit our website to learn more.. Private Fast Loans Dot Com Get Quick Loan In Montgomery, Alabama Alabama Get Quick Loan In Juneau, Alaska Alaska Get Quick Loan In Phoenix, Arizona Arizona Get Quick Loan In Little Rock, Arkansas Arkansas Get Quick Loan In Sacramento, California California Get Quick Loan In Denver, Colorado Colorado Get Quick Loan In Hartford, Connecticut Connecticut Get Quick Loan In Dover, Delaware Delaware Get Quick Loan In Tallahassee, Florida Florida Get Quick Loan In Atlanta, Georgia Georgia Get Quick Loan In Honolulu, Hawaii Hawaii Get Quick Loan In Boise, Idaho Idaho State Get Quick Loan In Springfield, Illinois Illinois Get Quick Loan In Indianapolis, Indiana Indiana Get Quick Loan In Des Moines, Iowa Iowa Get Quick Loan In Topeka, Kansas Kansas Get Quick Loan In Frankfort, Kentucky Kentucky Get Quick Loan In Baton Rouge, Louisiana Louisiana Get Quick Loan In Augusta, Maine Maine Get Quick Loan In Annapolis, Maryland Maryland Get Quick Loan In Boston, Massachusetts Massachusetts Get Quick Loan In Lansing, Michigan Michigan Get Quick Loan In St. Paul, Minnesota Minnesota Get Quick Loan In Jackson, Mississippi Mississippi

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Student Loan Consolidation Fixed Rate ( Bollywood Song Of Laughter )

Student Loan Consolidation Fixed Rate ( Bollywood Song Of Laughter )
kodokkong
29 sec - Jan 13, 2008

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FIXED RATE PRIVATE STUDENT LOAN CONSOLIDATION BEST SOLUTION

FIXED RATE PRIVATE STUDENT LOAN CONSOLIDATION BEST SOLUTION
Serenity545777
3 min - Jun 20, 2008

FIXED RATE PRIVATE STUDENT LOAN CONSOLIDATION BEST SOLUTION Federal Student Loan Consolidation The Federal Student Loan Consolidation program can provide debt management solutions for graduates, those who have left school, or dropped to less than half-time. Some federal student loan consolidation options are the Direct Consolidation Loan and private consolidation loan. Federal student loan consolidation options such as Direct Consolidation Loans allow borrowers to combine one or more of their Federal education loans into a new loan that offers several advantages. One lender and one monthly payment, flexible repayment options, no minimum or maximum loan amounts or fees (direct consolidation loans), varied deferment options, and reduced monthly payments.Several loans may qualify for federal student loan consolidation. PLUS loans, Federal Perkins loans, Stafford loans, Health Professions Student Loans (HPSL), Health Education Assistance Loans (HEAL) and more. You may even consolidate other Federal Consolidation Loans.Important Status Definitions for Federal Student Loan Consolidation.visit our website to learn more.. Private Fast Loans Dot Com Get Quick Loan In Montgomery, Alabama Alabama Get Quick Loan In Juneau, Alaska Alaska Get Quick Loan In Phoenix, Arizona Arizona Get Quick Loan In Little Rock, Arkansas Arkansas Get Quick Loan In Sacramento, California California Get Quick Loan In Denver, Colorado Colorado Get Quick Loan In Hartford, Connecticut Connecticut Get Quick Loan In Dover, Delaware Delaware Get Quick Loan In Tallahassee, Florida Florida Get Quick Loan In Atlanta, Georgia Georgia Get Quick Loan In Honolulu, Hawaii Hawaii Get Quick Loan In Boise, Idaho Idaho State Get Quick Loan In Springfield, Illinois Illinois Get Quick Loan In Indianapolis, Indiana Indiana Get Quick Loan In Des Moines, Iowa Iowa Get Quick Loan In Topeka, Kansas Kansas Get Quick Loan In Frankfort, Kentucky Kentucky Get Quick Loan In Baton Rouge, Louisiana Louisiana Get Quick Loan In Augusta, Maine Maine Get Quick Loan In Annapolis, Maryland Maryland Get Quick Loan In Boston, Massachusetts Massachusetts Get Quick Loan In Lansing, Michigan Michigan Get Quick Loan In St. Paul, Minnesota Minnesota Get Quick Loan In Jackson, Mississippi Mississippi Get Quick Loan In Jefferson City, Missouri Missouri

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student loan consolidation fixed rate ( Fantasma de la Opera)

student loan consolidation fixed rate ( Fantasma de la Opera)
iliketoeatpizza07
4 min - Jan 12, 2008

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Student Loan Consolidation Fixed Rate ( Rainbow Orchestra No Heaven Part 2)

Student Loan Consolidation Fixed Rate ( Rainbow Orchestra No Heaven Part 2)
anna108152
1 min - Jan 13, 2008

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Student Loan Debt

Student Loan Debt

Unknown length - Jan 5, 2008

http://www.loan98.com/student- loan-consolidation.html We help with your Student Loan Debt! And save up to $150.00 Every Month! http://www.loan98.com/student- loan-consolidation.html

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Student Loan Consolidation Fixed Rate ( Super Junior Imitate Bollywood D Part 2)

Student Loan Consolidation Fixed Rate ( Super Junior Imitate Bollywood D Part 2)
kodokkong
59 sec - Jan 13, 2008

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Student Loan Consolidation Fixed Rate ( You Lie Down To Sleep )

Student Loan Consolidation Fixed Rate ( You Lie Down To Sleep )
kodokkong
49 sec - Jan 13, 2008

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Le but le plus stupide du monde - Video humour (Swi9a.com)

Le but le plus stupide du monde - Video humour (Swi9a.com)

Unknown length - Jun 3, 2008

Le but le plus stupide du monde - Video humour student loan consolidation interest rate extended stay

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Student Loan Consolidation Fixed Rate (Super Junior imitieren Bollywood D Part 3)

Student Loan Consolidation Fixed Rate (Super Junior imitieren Bollywood D Part 3)
auto267674
44 sec - Jan 13, 2008

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Student Loan Consolidation Fixed Rate (Super Junior imitieren Bollywood D Part 1)

Student Loan Consolidation Fixed Rate (Super Junior imitieren Bollywood D Part 1)
auto267674
49 sec - Jan 13, 2008

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Student Loan Consolidation Fixed Rate (Kitty Will Suisuinian )

Student Loan Consolidation Fixed Rate (Kitty Will Suisuinian )
kodokkong
1 min - Jan 13, 2008

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Royal Wedding Anniversary

Royal Wedding Anniversary

Unknown length - Dec 31, 2007

Royal Wedding Anniversary

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Student Loan Consolidation Fixed Rate ( This Is To Play Baseball )

Student Loan Consolidation Fixed Rate ( This Is To Play Baseball )
kodokkong
24 sec - Jan 13, 2008

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The Snowman

The Snowman

Unknown length - Dec 31, 2007

The Snowman

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Student Loan Consolidation Fixed Rate ( Strongest Part 1)

Student Loan Consolidation Fixed Rate ( Strongest Part 1)
kokomomo07
46 sec - Jan 13, 2008

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Yeti's Christmas

Yeti's Christmas

Unknown length - Dec 31, 2007

Yeti's Christmas

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student loan consolidation fixed rate ( Lowbouncing tomas de agua)

student loan consolidation fixed rate ( Lowbouncing tomas de agua)
claudia352738
36 sec - Jan 12, 2008

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Musashi's Xmas song

Musashi's Xmas song

Unknown length - Dec 31, 2007

Musashi's Xmas song

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PRIVATE STUDENT LOAN CONSOLIDATION (Lowest interest ever)

By exploring federal student loan consolidation new graduates might realize that they have the power to take control of their finances. Money saved through consolidation can be used to pay off credit cards and other higher interest rate debts.When in danger of defaulting on your loan repayment, the only way out for a student is to the consolidation of his student loan into one single loan to free him of the mess he is in. With the huge expenses involved in higher education, the need to take student loans becomes almost inevitable. Available to both graduate and undergraduate students, student loans are available to cater to the needs of all kinds of students. However, managing the different student loans may become difficult to handle for a student who has no steady means of income. Add to this the fact that the various loans would have been taken from different lenders at different rates of interest. This is where consolidation of student loans comes into the picture to free the student of the stress he has to undergo while trying to manage his already meager funds. to learn more of this interesting offer please visit our website at Private Fast Loans dot com. Get Quick Loan In Helena, Montana Montana Get Quick Loan In Lincoln, Nebraska Nebraska Get Quick Loan In Carson City, Nevada Nevada Get Quick Loan In Concord, New Hampshire New Hampshire Get Quick Loan In Trenton, New Jersey New Jersey Get Quick Loan In Santa Fe, New Mexico New Mexico Get Quick Loan In Albany, New York New York Get Quick Loan In Raleigh, North Carolina North Carolina Get Quick Loan In Bismarck, North Dakota North Dakota Get Quick Loan In Columbus, Ohio Ohio Get Quick Loan In Oklahoma City, Oklahoma Oklahoma Get Quick Loan In Salem, Oregon Oregon Get Quick Loan In Harrisburg, Pennsylvania Pennsylvania Get Quick Loan In Providence, Rhode Island Rhode Island Get Quick Loan In Columbia, South Carolina South Carolina Get Quick Loan In Pierre, South Dakota South Dakota Get Quick Loan In Nashville, Tennessee Tennessee Get Quick Loan In Austin, Texas Texas Get Quick Loan In Salt Lake City, Utah Utah Get Quick Loan In Montpelier, Vermont Vermont Get Quick Loan In Richmond, Virginia Virginia Get Quick Loan In Olympia, Washington Washington Get Quick Loan In Charleston, West Virginia West Virginia Get Quick Loan In Madison, Wisconsin Wisconsin Get Quick Loan In Cheyenne, Wyoming Wyoming

Author: Pyramid1548888
Keywords: credit cards private loan cosolidation student payday Mortgage Refinance Home Equity Auto Loans
Added: June 20, 2008

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FIXED RATE PRIVATE STUDENT LOAN CONSOLIDATION BEST SOLUTION

FIXED RATE PRIVATE STUDENT LOAN CONSOLIDATION BEST SOLUTION Federal Student Loan Consolidation The Federal Student Loan Consolidation program can provide debt management solutions for graduates, those who have left school, or dropped to less than half-time. Some federal student loan consolidation options are the Direct Consolidation Loan and private consolidation loan. Federal student loan consolidation options such as Direct Consolidation Loans allow borrowers to combine one or more of their Federal education loans into a new loan that offers several advantages. One lender and one monthly payment, flexible repayment options, no minimum or maximum loan amounts or fees (direct consolidation loans), varied deferment options, and reduced monthly payments.Several loans may qualify for federal student loan consolidation. PLUS loans, Federal Perkins loans, Stafford loans, Health Professions Student Loans (HPSL), Health Education Assistance Loans (HEAL) and more. You may even consolidate other Federal Consolidation Loans.Important Status Definitions for Federal Student Loan Consolidation.visit our website to learn more.. Private Fast Loans Dot Com Get Quick Loan In Montgomery, Alabama Alabama Get Quick Loan In Juneau, Alaska Alaska Get Quick Loan In Phoenix, Arizona Arizona Get Quick Loan In Little Rock, Arkansas Arkansas Get Quick Loan In Sacramento, California California Get Quick Loan In Denver, Colorado Colorado Get Quick Loan In Hartford, Connecticut Connecticut Get Quick Loan In Dover, Delaware Delaware Get Quick Loan In Tallahassee, Florida Florida Get Quick Loan In Atlanta, Georgia Georgia Get Quick Loan In Honolulu, Hawaii Hawaii Get Quick Loan In Boise, Idaho Idaho State Get Quick Loan In Springfield, Illinois Illinois Get Quick Loan In Indianapolis, Indiana Indiana Get Quick Loan In Des Moines, Iowa Iowa Get Quick Loan In Topeka, Kansas Kansas Get Quick Loan In Frankfort, Kentucky Kentucky Get Quick Loan In Baton Rouge, Louisiana Louisiana Get Quick Loan In Augusta, Maine Maine Get Quick Loan In Annapolis, Maryland Maryland Get Quick Loan In Boston, Massachusetts Massachusetts Get Quick Loan In Lansing, Michigan Michigan Get Quick Loan In St. Paul, Minnesota Minnesota Get Quick Loan In Jackson, Mississippi Mississippi Get Quick Loan In Jefferson City, Missouri Missouri

Author: Serenity545777
Keywords: credit cards private loan cosolidation student payday Mortgage Refinance Home Equity Auto Loans
Added: June 19, 2008

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FIXED RATE PRIVATE STUDENT LOAN CONSOLIDATION APPLY ONLINE

FIXED RATE PRIVATE STUDENT LOAN CONSOLIDATION APPLY ONLINE Student Ratio qualification plays a major part in the decision-making process of a Student loan. There are two ratios that are calculated for most Student programs. One ratio is the housing ratio, also known as the Student front-end ratio. the other ratio method is Debt, or back-end, ratio There will be many a case in which your Student borrower will not meet the qualifying standards to qualify for a loan. There must be prevailing circumstances, known as compensating factors, to ask the Student lender for an exception. Which of the items listed below would be considered a compensating factor for an Student High residual income A typical maximum qualifying housing or front-end ratio for a Student conforming Student loan is 28%A typical maximum debt, or back-end, ratio on a Student Ohio conforming Student is 36% To calculate the decimal equivalent of a fraction for figuring the Student Ohio, you will need to divide the numerator by the denominator.the decimal equivalent of the fraction for 5/8 for the Student is 0.625 The good faith estimate for Student Ohio is a regulatory disclosure. When must the Student loan originator present a good faith estimate to the borrower No later than three days after the application is taken 25 basis points for a Student Ohio equal to? 1/4%. we cater all types of loans. visit our website to learn more.. Private Fast Loans Dot Com Get Quick Loan In Montgomery, Alabama Alabama Get Quick Loan In Juneau, Alaska Alaska Get Quick Loan In Phoenix, Arizona Arizona Get Quick Loan In Little Rock, Arkansas Arkansas Get Quick Loan In Sacramento, California California Get Quick Loan In Denver, Colorado Colorado Get Quick Loan In Hartford, Connecticut Connecticut Get Quick Loan In Dover, Delaware Delaware Get Quick Loan In Tallahassee, Florida Florida Get Quick Loan In Atlanta, Georgia Georgia Get Quick Loan In Honolulu, Hawaii Hawaii Get Quick Loan In Boise, Idaho Idaho State Get Quick Loan In Springfield, Illinois Illinois Get Quick Loan In Indianapolis, Indiana Indiana Get Quick Loan In Des Moines, Iowa Iowa Get Quick Loan In Topeka, Kansas Kansas Get Quick Loan In Frankfort, Kentucky Kentucky Get Quick Loan In Baton Rouge, Louisiana Louisiana Get Quick Loan In Augusta, Maine Maine Get Quick Loan In Annapolis, Maryland Maryland Get Quick Loan In Boston, Massachusetts Massachusetts Get Quick Loan In Lansing, Michigan Michigan Get Quick Loan In St. Paul, Minnesota Minnesota Get Quick Loan In Jackson, Mississippi Mississippi

Author: Secret154888
Keywords: credit cards private loan cosolidation student payday Mortgage Refinance Home Equity Auto Loans
Added: June 18, 2008

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Website Design

Defiant Design is a small two man business located in Middletown, CT. We focus on making sites for people mainly, but also do graphic designs for people (Websites). We are also taking classes for programming and currently make small but useful programs for people. Also, for counterstike, we made maps for servers, and we hope to expand that knowledge on to making maps for other games. If you're interested in any of these services we provide, please contact either of us at Dominican11500@yahoo.com and we will get back to you shortly. Visit our site at http://www.defiantdesign.tk/ student loan consolidation rates sell structured settlement structured settlements federal student loan consolidation term life quote insurance car austin dwi school loan consolidation auto insurance quotes instant insurance quote equity bad mesothelioma equity mortgage loans

Author: Dominican11500
Keywords: Design Website Personal Pay for Web Html Blog Payment Company video blog wisdom random personals community advice arts crafts technology computer aviation space electronics events destination travel log
Added: March 19, 2008

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Business loan tips & information

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Author: mostwantedinfo
Keywords: business loan tips bad credit small rates express bank
Added: March 6, 2008

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About Floyd Mayweather

My site http://www.aboutfloydmayweatherbio.tk/ talks about Floyd Mayweather's important fights. Im also updating my site and adding vidoes and talking about the Floyd Mayweather vs Big Show fight and will be on my site in a couple days and will talk about how it is being promoted. My site contains every important Floyd Mayweather fight,for eample Floyd Mayweather vs Genaro Hernandez Floyd Mayweather vs Jose Luis Castillo Floyd Mayweather vs Diego Corrales Floyd Mayweather vs Arturo Gatti Floyd Mayweather vs Zab Judah Floyd Mayweather vs Carlos Baldomir Floyd Mayweather vs Oscar De La Hoya Floyd Mayweather vs Ricky Hatton My site also conatins a video from a quick clip of Floyd Mayweather knocking out Ricky Hatton. Please visit and my site will be updated with information every couple of weeks. student loan consolidation rates sell structured settlement structured settlements federal student loan consolidation term life quote insurance car austin dwi school loan consolidation auto insurance quotes instant insurance quote equity bad mesothelioma equity mortgage loans

Author: Dominican11500
Keywords: About Floyd Mayweather vs Genaro Hernandez Ricky combat sports extreme action martial art arts talk
Added: March 6, 2008

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Student Loan Consolidation Fixed Rate ( Rainbow Orchestra No Heaven Part 2)

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Author: anna108152
Keywords: funny hot humor jokes top latest Student Loan Consolidation Fixed Rate Rainbow Orchestra No Heaven Part
Added: January 13, 2008

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Student Loan Consolidation Fixed Rate ( Rainbow Orchester Nr Himmel Part 1)

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Author: stein305083
Keywords: Lustig hei Humor Witze oben sptestens Student Loan Consolidation Fixed Rate Rainbow Orchester Nr Himmel Part
Added: January 13, 2008

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Student Loan Consolidation Fixed Rate ( Strongest Part 1)

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Author: kokomomo07
Keywords: Drle chaud l'humour des plaisanteries haut les dernires Student Loan Consolidation Fixed Rate Strongest Part
Added: January 13, 2008

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Student Loan Consolidation Fixed Rate (Kitty Will Suisuinian )

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Author: kodokkong
Keywords: funny hot humor jokes top latest Student Loan Consolidation Fixed Rate Kitty Will Suisuinian
Added: January 13, 2008

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Student Loan Consolidation Fixed Rate ( You Lie Down To Sleep )

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Author: kodokkong
Keywords: funny hot humor jokes top latest Student Loan Consolidation Fixed Rate You Lie Down To Sleep
Added: January 13, 2008

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Student Loan Consolidation Fixed Rate ( This Is To Play Baseball )

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Author: kodokkong
Keywords: funny hot humor jokes top latest Student Loan Consolidation Fixed Rate This Is To Play Baseball
Added: January 13, 2008

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Student Loan Consolidation Fixed Rate (Super Junior imitieren Bollywood D Part 3)

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Author: auto267674
Keywords: Lustig hei Humor Witze oben sptestens Student Loan Consolidation Fixed Rate Super Junior imitieren Bollywood Part
Added: January 13, 2008

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Student Loan Consolidation Fixed Rate (Super Junior imiter Bollywood D Part 2)

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Author: kokomomo07
Keywords: Drle chaud l'humour des plaisanteries haut les dernires Student Loan Consolidation Fixed Rate Super Junior imiter Bollywood Part
Added: January 13, 2008

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Student Loan Consolidation Fixed Rate (Super Junior imitieren Bollywood D Part 1)

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Author: auto267674
Keywords: Lustig hei Humor Witze oben sptestens Student Loan Consolidation Fixed Rate Super Junior imitieren Bollywood Part
Added: January 13, 2008

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Student Loan Consolidation Fixed Rate ( BollywoodSong von Lachen)

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Added: January 13, 2008

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student loan consolidation fixed rate (Siehe Ein Arzt auf)

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Added: January 12, 2008

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Added: January 12, 2008

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FAP809: Quack like a duck, pay for college

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Student Financial Aid News
+ Free credit reports, scores, and monitoring from Transunion
+ Chronicle: the U.S. Senate overwhelmingly approved legislation last week that would significantly expand veterans’ tuition benefits while providing billions of dollars for the wars in Iraq and Afghanistan. The bill awaits action in the House, where the president has enough Republican support to sustain a veto. In his address, the president said Congress should pass a bill to pay for the wars that is not “loaded up” with unrelated domestic spending.
+ Speaker of the House Nancy Pelosi reacted to the message by saying Congress wanted to “launch a new GI Bill for a full, four-year education for the veterans of Iraq and Afghanistan.” The administration opposes the Senate bill because it would give the college benefits to veterans with three years of service, which, it says, would discourage them from re-enlisting.
+ Is or was the lending crisis real? Have you been applying for student loans and found it any different than previous years? Let me know!

Scholarship Update
+ Chick and Sophie Major Memorial Scholarship
+ Duck calling scholarship open to all US high school seniors
+ $1,500 scholarship
+ Details at our free college scholarship search site

Financial Aid 101
+ For many who have graduated, it’s time to start thinking about student loan repayment
+ Grace periods - Stafford loans have 6 months, Perkins loans have 9 months
+ For any unsubsidized Stafford loan, the clock is running
+ For Stafford and PLUS loans taken out prior to July 1, 2006, you have variable interest rates - for graduating seniors, that’s probably freshman and sophomore year loans
+ Resetting rates take effect July 1
+ 3.60% - Stafford loans in grace (down from 6.62%)
+ 4.21% - Stafford loans in repayment (down from 7.22%)
+ 5.01% - Parent PLUS loans (down from 8.02%)
+ Wait until July 1, 2008 for student loan consolidation
+ Make extra payments to principal if possible
+ New Stafford subsidized loans start at 6.0% this July 1
+ Private student loans can fill the gap between scholarships, federal aid, and the cost of college

Did you enjoy today’s show? If so, please consider subscribing for free to get it delivered to you. Subscribing for free means you don’t have to remember to download it every day.
+
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+

Direct MP3 file download: Click here to download the MP3

Reminders
+
+ Financial Aid Podcast Show Notes at FinancialAidPodcast.com.
+ Free scholarship search secrets eBook at StudentScholarshipSearch.com/ebook
+ Open an FDIC-insured savings account today!
+ Private student loans available at any time - visit AlternativeStudentLoan.com
+ Student credit card information at StudentPlatinum.com
+ FAFSA form tutorials and free help at FAFSAonline.com
+ Edvisors Jobs
+ Grad student? Get graduate financial aid information at the GradLoans.com blog!
+ Stafford federal student loans at StaffordLoan.com
+ The Financial Aid Podcast is a publication of the Student Loan Network.

I want to hear from you! Email me at financialaidpodcast {at} gmail {dot} com, visit http://www.FinancialAidPodcast.com, or call 206-350-1208.

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FAP777: Birthday, Sallie Mae Student Loan Consolidation, HELOC

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Student Financial Aid News
+ Happy Student Loan Network anniversary Monique Leonard!
+ The Financial Aid Podcast celebrates 3 years on the air!
+ Hat tips to Mitch Joel, Erik & Diana, and pretty much my entire address book for this story:
+ Chronicle: Sallie Mae (ticker: SLM) announced today in a letter to colleges that it would no longer offer student loan consolidation under the federally guaranteed loan program. Students typically consolidate their loans after they graduate, combining loans from each of their years in college into a single loan to make it easier to manage when paying back the money. Until recent months, consolidations had been regarded as a highly profitable activity for loan companies because consolidation usually occurs as students enter years of repayment.
+ Lenders responsible for more than 16 percent of all student loans last year have left FFEL
+ In addition to announcing the termination of its consolidation-loan business, Sallie Mae told colleges that it would no longer pay for students the federally mandated origination fee on government-backed loans. “With the large number of lenders exiting the program,” Mr. Andrews and Mr. Feierstein wrote, “Sallie Mae cannot justify subsidizing some students at the expense of others who may be unable to get funds for college.”
+ What does this mean for you? If you’re graduating this summer, you’ll have fewer student loan consolidation options - but wait until after July 1 anyway.

Scholarship Update
+ Spring Break Photo Scholarship Contest
+ Whether you take a trip every year to the beach or hit the slopes in the snowy mountains - everyone makes plans for Spring Break. Send us a photo of your fun filled vacation or write a blog telling us about how you spent your break. If you have a video, upload it to the campaign and we’ll see if you made the most out of the best week in spring! No purchase necessary. No purchase necessary. Open to anyone who is a resident of the 50 United States, District of Columbia or Canada (excluding Quebec), has access to the Internet, and is 13 or older at the time of entry.
+ Deadline June 30
+ Details at our free college scholarship search site

Mail Bag
+ Lynne writes in: My daughter has financial aid in her private college. I am trying to get an equity loan and they are offering me a line of credit as well. If I get the loan I need it to lower my credit card interest rates and there fore consolidate them at a lower rate. If I take the line of credit also for “A rainy day” will the financial aid people want me to use that money for college tuition. I never asked for the line the bank is trying to just give it to me as I have more equity on my home than I am asking a loan for. Please help me. I don’t want to jeopardize my daughters financial aid for a “rainy day” that might never happen. Thank you Lynne
+ Any money you have is calculated on the FAFSA in checking or savings
+ It will count against you as a resource
+ In a rapidly falling real estate market - like the entire United States and a good chunk of Europe - the last thing you want to do is borrow equity if you’re anywhere close to the current assessed value of your house. If the market declines even a little when you’re at 100% loan to value, you suddenly become upside down, which means you owe more on your house than it’s worth
+ If you need a parent loan option, consider a PLUS loan, which is a federally guaranteed loan for parents of undergraduate students. Fixed 8.5% interest rate and the whole host of federal loan benefits, including no collateral.
+ Also, in recent news, banks have been outright canceling home equity loans and lines of credit arbitrarily, so if you’re counting on it, it may not be there for you

Did you enjoy today’s show? If so, please consider subscribing for free to get it delivered to you. Subscribing for free means you don’t have to remember to download it every day.
+
+
+

Direct MP3 file download: Click here to download the MP3

Reminders
+
+ Financial Aid Podcast Show Notes at FinancialAidPodcast.com.
+ Free scholarship search secrets eBook at StudentScholarshipSearch.com/ebook
+ Open an FDIC-insured savings account today!
+ Private student loans available at any time - visit AlternativeStudentLoan.com
+ Student credit card information at StudentPlatinum.com
+ FAFSA form tutorials and free help at FAFSAonline.com
+ Grad student? Get graduate financial aid information at the GradLoans.com blog!
+ Stafford federal student loans at StaffordLoan.com
+ The Financial Aid Podcast is a publication of the Student Loan Network.

I want to hear from you! Email me at financialaidpodcast {at} gmail {dot} com, visit http://www.FinancialAidPodcast.com, or call 206-350-1208.

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FAP752: Free stuff Friday, New England student loan troubles

Student Financial Aid News
+ Boston Globe: Amid a deepening credit squeeze and cutbacks in federal loan subsidies, New Hampshire’s nonprofit student-loan agency said this week that it will no longer offer private loans. The Massachusetts Educational Financing Authority, which lent money to 42,000 college students last year, has so far failed to secure any financing for its loans, as skittish investors shy away from taking on debt.
+ NASFAA and Minnesota Public Radio: “A report released by the National Consumer Law Center highlights the problem faced by students and recent graduates: steep tuition increases force students to take on more and more debt from private lenders. Then, a tight job market makes it hard for them to pay the loans back,” Minnesota Public Radio reports. “The private student loan market has exploded in the past five years and students are just now waking up to the long-term consequences, according to the center’s staff attorney, Deanne Loonin. ‘They’re just not in the economic shape they hoped they would in. They’re just not able to pay their loans. They have huge amounts of debt. It affects their credit. It affects their ability to build assets for the future,’ she says. Private lenders are not required to release information about default rates. But student surveys indicate a growing negative trend, Loonin says. In addition to higher tuition and persistently low federal loan limits, sophisticated marketing has greatly increased private lenders’ share of the market, she says.”

Scholarship Update
+ FLO TV is looking for the ultimate Super Fan. Submit an original photograph or video showing why you’re a team’s Super Fan and you could win a 52″ HD LCD Toshiba Regza plus $1,000 in cash. Or, if you’re a spectator who can spot a Super Fan from a mile away, vote or review on a photo or video entry and you can win a $100 scholarship or cash. No purchase necessary. Open to anyone who is a resident of the 50 United States or the District of Columbia, has access to the Internet, and is 18 or older at the time of entry.
+ Details at our free college scholarship search site

Free Stuff Friday
+ Get high quality video out of YouTube
+ Get flight data via text message from Google
+ Other things you can text Google about: Local, Weather, Glossary, Sports, Movies, Stocks, Zip Codes, Directions, Maps, Flights, Area Codes, Products, Q&A, Airlines, Translation, Web Snippets, Calculator, Currency Conversion, Airports, METAR, Help
+ Score free travel by intentionally booking your flight on overbooked flights
+ Ze Frank video on how to study
+ Learn how to garden simple herbs. No, not THAT kind of herb, I mean the culinary kind. A simple window box of a few basic plants - chives, basil, dill, oregano, and mint can give you tons of flavor even to college cafeteria food (try sprinkling fresh chopped dill on a salad with italian dressing) and once you get it started, as long as you maintain it, it’s more or less free

Did you enjoy today’s show? If so, please consider subscribing for free to get it delivered to you. Subscribing for free means you don’t have to remember to download it every day.
+
+
+

Direct MP3 file download: Click here to download the MP3

Reminders
+ Financial Aid Podcast Show Notes at FinancialAidPodcast.com.
+ Free scholarship search secrets eBook at StudentScholarshipSearch.com/ebook
+ FAFSA form tutorials and free help at FAFSAonline.com
+ Grad student? Get graduate financial aid information at the GradLoans.com blog!
+ Stafford federal student loans at StaffordLoan.com
+ Student loan consolidation at StudentLoanConsolidator.com
+ Private student loans available at any time - visit AlternativeStudentLoan.com
+ The Financial Aid Podcast is a publication of the Student Loan Network.

I want to hear from you! Email me at financialaidpodcast {at} gmail {dot} com, visit http://www.FinancialAidPodcast.com, or call 206-350-1208.

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FAP749: How I Got My Job, Private Student Loan Dangers

Student Financial Aid News
+ Chronicle: In a report released today that outlined some of the dangers of private student loans, the National Consumer Law Center reviewed 28 private loans issued from 2001 to 2006. The group found all the loans to have variable rates, with initial annual percentage rates ranging from 5 percent to 19 percent. The average initial APR was 11.5 percent.
+ The survey of the more than two dozen private loans found several other problems, the report says. A number of lenders in the study were unwilling to offer reasonable settlements, and some loans “stated explicitly that there will be no cancellation if the borrower or co-signer dies or becomes disabled.” Some went into default as soon as one payment was missed.
+ Here’s the thing about this study, and about private student loans in general.
+ First, no one forces students to take these out Ã¢Â€Â“ responsible lenders are even going so far as to warn students in advance of borrowing a private student loan, as are many financial aid officers.
+ Second, this entire market exists solely because as a country, as a citizenry, we’ve decided other national priorities eclipse a willingness to spend tax dollars on education, right or wrong. For example, the estimated value of the Iraq conflict, using accrual accounting (as opposed to cash accounting, which only the government can legally use), is $3 trillion as of today. Each month spent engaged in operations runs $12 billion; in just 6 months, the same spending would eliminate not only private student loans, but all student loans, period, if we as voters chose to make it a national priority and elected a government in alignment with those priorities. We did not, we have not, and we have earned the system and priorities we currently have based on our choices. No matter what your political beliefs are, these are the choices we have made, and the consequences of them.
+ The financial aid priorities list
+ Find and get scholarships
+ File your FAFSA
+ Apply for the maximum available federal student loans
+ Apply for private student loans as Carla Berg of Bentley describes them, the loans of last resort
+ For a great listen, check out Bloomberg’s On the Economy podcast, the interview with Joseph Stiglitz, author of “The Trillion Dollar War”

Scholarship Update
+ All About Education $5K Scholarship
+ One (1) $5,000 scholarship will be awarded. Students must complete an application online at http://www.scholarshipexperts.com/apply.htx#5K&src=cs and include a short, original, previously unpublished written response to the topic, “How will a $5,000 scholarship for education make a difference in your life?” The response must be in English, exhibit correct spelling and grammar and be no more than 250 words in length. Additionally, each applicant is required to complete a scholarship search profile online at www.scholarshipexperts.com . Deadline ot apply is April 30, 2008 at 11:59pm Eastern Daylight Savings Time.
+ Details at our free college scholarship search site

JobCast/Mail Bag
+ Daniel Johnson Jr. called in about the jobcast episode
+ Thanks, Dan!
+ HowIGotMyJob.com
+ How I got this job is a funny, funny story

Did you enjoy today’s show? If so, please consider subscribing for free to get it delivered to you. Subscribing for free means you don’t have to remember to download it every day.
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Direct MP3 file download: Click here to download the MP3

I want to hear from you! Email me at financialaidpodcast {at} gmail {dot} com, visit http://www.FinancialAidPodcast.com, or call 206-350-1208.

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FAP744: How to avoid borrowing student loans

Student Financial Aid News
+ I was on WCVB Boston 5 last night, which was fun. One of the questions that Bianca de la Garza asked was about financial planning for parents of young children - that’ll be a special delivery episode
+ Since I can’t find the video of the interview anywhere on their web site, I put up a copy on Blip.tv until the official video piece comes out.
+ And hey, if anyone knows Chaniqua Louis at Brockton High, tell her to give me a call.
+ Dunkin Donuts has 99 cent lattes on sale today after 1 PM
+ Chronicle: Wal-MartÃ¢Â€Â™s philanthropic arm announced today that it made $67-million in grants to educational programs during 2007, with much of it going to higher education.
+ The gift will provide $100,000 awards to 20 small- and mid-sized independent colleges and universities to increase the enrollment, retention, and graduation rates of first-generation students.
+ WSJ: The Federal Deposit Insurance Corp. is taking steps to brace for an increase in failed financial institutions as the nation’s housing and credit markets continue to worsen. The FDIC is looking to bring back 25 retirees from its division of resolutions and receiverships. Many of these agency veterans likely worked for the FDIC during the late 1980s and early 1990s, when more than 1,000 financial institutions failed amid the savings-and-loan crisis.
+ “Regulators are bracing for well over 100 bank failures in the next 12 to 24 months, with concentrations in Rust Belt states like Michigan and Ohio, and the states that are suffering severe housing-market problems like California, Florida, and Georgia,” said Jaret Seiberg, Washington policy analyst for financial-services firm Stanford Group.
+ In job postings on its Web site, the FDIC said it is looking for people with “skill in performing duties associated with a financial-institution closing, such as receivership management, resolutions and/or asset disposition; knowledge of the resolutions process as it relates to complex financial institutions.” Such positions would require “very frequent overnight travel,” the posting said, and would pay up to $180,770.
+ What does this mean for you? Diversify your savings and make sure that at least some part is either FDIC or NCUA insured

Scholarship Update
+ WCVB sponsors some scholarships at Boston University’s College of Communications, so that’s our scholarship for today
+ Directory of awards
+ May 1 deadline
+ Application PDF
+ Details at our free college scholarship search site

News You Can Use
+ What if you wanted to avoid student loans?
+ Ironic for a student loan company sponsored podcast
+ Save early, save often, and in uncertain times, save safely
+ Diversified savings and investments are the key to making sure you don’t lose it all
+ Consult qualified financial planners and CPAs
+ File the FAFSA
+ Scholarships are the key
+ Grab our free scholarship search secrets eBook
+ Be prepared to work during school
+ Develop streams of passive income
+ Be entrepreneurial and look for opportunities to create value - campus textbook exchanges, etc.
+ Look back in your college’s history to see what students did in the days before financial aid - pre-1965.
+ Franklin and Marshall College, my bachelor’s alma mater, had eating clubs - college students not having money is not a new phenomenon
+ And as always, if they’re unavoidable, borrow federal student loans first, then private student loans

Did you enjoy today’s show? If so, please consider subscribing for free to get it delivered to you. Subscribing for free means you don’t have to remember to download it every day.
+
+
+

Direct MP3 file download: Click here to download the MP3

Reminders
+ Student Loan Network $10,000 Scholarship - Apply in 32 seconds or less!
+ Financial Aid Podcast Show Notes at FinancialAidPodcast.com.
+ Free scholarship search secrets eBook at StudentScholarshipSearch.com/ebook
+ FAFSA form tutorials and free help at FAFSAonline.com
+ Grad student? Get graduate financial aid information at the GradLoans.com blog!
+ Stafford federal student loans at StaffordLoan.com
+ Student loan consolidation at StudentLoanConsolidator.com
+ Private student loans available at any time - visit AlternativeStudentLoan.com
+ The Financial Aid Podcast is a publication of the Student Loan Network.

I want to hear from you! Email me at financialaidpodcast {at} gmail {dot} com, visit http://www.FinancialAidPodcast.com, or call 206-350-1208.

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FAP741: How the Federal Reserve affects student loan rates

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Student Financial Aid News
+ SFGate.com: In a radical change to its financial aid program, Stanford University will announce today that it will no longer charge tuition to students whose families earn less than $100,000 a year.
+ In addition, the university will waive room and board fees for students whose families earn less than $60,000 a year.
+ The university is making the change in the wake of published reports last month that its endowment had grown almost 22 percent last year, to $17.1 billion. That sum had begun to attract attention from lawmakers who want wealthy institutions to do more to reduce tuition costs. Financial aid also will increase to families that make more than $100,000 a year.
+ MSNBC: Federal Reserve Chairman Ben Bernanke said Thursday that the underlying quality of municipal and student-loan debt securities is strong.
+ Well, duh. Student loan debt cannot be forgiven or cancelled even in bankruptcy
+ Check for

Scholarship Update
+ Life is full of special moments with your family and friends that you have captured in pictures. Weddings, graduations, vacations and birthdays are some of the occasions where some of our most treasured images are created. Share your family and friends photos for a chance to win $350. Rewards:
+ Grand Prize: One winner, selected from all entries based on 50% creativity and 50% viral activity, will win a $350 scholarship or cash.
+ First Runner Up: One winner, selected from the top 1,000 highest scores based on 50% creativity and 50% viral activity, will win a $300 scholarship or cash.
+ Second Runner Up: One winner, selected from the top 1,000 highest scores based on 50% creativity and 50% viral activity, will win a $100 scholarship or cash.
+ Most Viral: One entry, chosen from the top 1,000 entries receiving the most attention across the Internet will win a $350 scholarship or cash.
+ Deadline May 27, 2008
+ Details at our free college scholarship search site

Mail Bag
+ Emily writes in: What are the effects of the federal funds rate cuts on student loans?
+ Perkins loans are unaffected
+ Stafford loans and Parent PLUS loans before July 1, 2006 are variable rate loans tied to the 91 day Treasury Bill
+ The federal funds rate and the 91-day T-Bill often march in lockstep
+ The federal funds rate also controls the Prime Rate which in turn affects some private student loans
+ Prime vs. LIBOR
+ Charlie writes in: In filing the fafsa for a divorced couple, does it make sense to have the parent with virtually no income file or should the parent with an income file? If the no income parent is the better choice what about the loss of the child tax deduction for the income earner?
+ The FAFSA needs to be attributed to the parent that the child lived with more than 50% of the year. Failing that, it’s the parent that provided more than 50% of the financial support, and failing that, it’s whoever claims the child on the IRS 1040.

Did you enjoy today’s show? If so, please consider subscribing for free to get it delivered to you. Subscribing for free means you don’t have to remember to download it every day.
+
+
+

Direct MP3 file download: Click here to download the MP3

Reminders
+ Student Loan Network $10,000 Scholarship - Apply in 32 seconds or less!
+ Financial Aid Podcast Show Notes at FinancialAidPodcast.com.
+ Free scholarship search secrets eBook at StudentScholarshipSearch.com/ebook
+ FAFSA form tutorials and free help at FAFSAonline.com
+ Stafford federal student loans at StaffordLoan.com
+ Student loan consolidation at StudentLoanConsolidator.com
+ Private student loans available at any time - visit AlternativeStudentLoan.com
+ The Financial Aid Podcast is a publication of the Student Loan Network.

I want to hear from you! Email me at financialaidpodcast {at} gmail {dot} com, visit http://www.FinancialAidPodcast.com, or call 206-350-1208.

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FAP734: Innovative Ways to Pay for Student Loans, Securitization

Student Financial Aid News
+ Chronicle: More than a million private records of students were compromised in campus-security breaches in the United States last year, and the number of colleges reporting such incidents was far higher than the previous year, according to a study that analyzed reports on computer security by the news media and computer-security organizations.
+ About 100 of the incidents exposed Social Security numbers, involving a total of 1,085,708 records.
+ NASFAA: “By packaging mortgages, credit card balances, student loans and other debt into interest-paying bonds, securitization can be a win-win proposition: Investors earn decent interest rates and borrowers have more access to credit, presumably at lower rates than if banks alone were calling the shots,” The Los Angeles Times reports. “But as usual when Wall Street is involved, greed took over in the securitization market in recent years. Bonds tied to sub-prime mortgages, the riskiest of such loans, have seen the most dramatic fall-off. But the volume of debt packaged for sale to investors also declined last year in the auto, student-loan and small-business-loan sectors, according to data tracker Inside Mortgage Finance. The harsh truth is, if the securitization business - sullied though it may be - can’t celebrate a comeback in the next few years, the pain won’t be contained there.”

Scholarship Update
+ The Boston College Asian American Scholarship was created in 1995 through the initiative of a group of students, faculty, and administrators, to recognize BC juniors whose commitment to academic excellence, to promoting Asian American awareness, and to serving both the Asian American and the wider communities on and off campus, is exceptional.
+ The Scholarship provides 75% of tuition for senior year. In addition, up to four finalists will be awarded $1,000 grants for purchases at the Boston College Bookstore. All full-time, Boston College juniors who have maintained a cumulative GPA of 3.3 are eligible to apply for the scholarship.
+ $35,000
+ Details at our free college scholarship search site

Financial Hacks
+ BankNet360: A new website started by a recent graduate to pay back his education loans says much about the financial straights of many young alums today.
+ When Luke Livingston of Portland, Maine, graduated in May 2007, the last thing on his mind was debt. However, after realizing his entry-level salary would barely be enough to cover the basic cost of living, paying his student loans seemed impossible. The graduate of Clark University in Worcester, Mass. spawned www.sponsormyloans.com.
+ Livingston is charging $200 a month for a page of ads on SponsorMyLoans.com. He already has sponsors for March and May (April is currently in the works). He is using the money to pay back his loans, which Ã¢Â€Â“ unless interest rates increase Ã¢Â€Â“ will take Livingston seven years to retire.
+ What does this mean for you? Innovative ideas like this are great ways to pay for college or handle your loans afterwards, but you have to innovate - copying someone else’s idea won’t work
+ Who has money? Money comes from two places - corporations or crowdsourcing

Mail Bag
+ Wayne Henderson calls in to get show notes in a podcast
+ iTunes!

Did you enjoy today’s show? If so, please consider subscribing for free to get it delivered to you. Subscribing for free means you don’t have to remember to download it every day.
+
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+

Direct MP3 file download: Click here to download the MP3

Reminders
+ Student Loan Network $10,000 Scholarship - Apply in 32 seconds or less!
+ Financial Aid Podcast Show Notes at FinancialAidPodcast.com.
+ Free scholarship search secrets eBook at StudentScholarshipSearch.com/ebook
+ FAFSA form tutorials and free help at FAFSAonline.com
+ Stafford federal student loans at StaffordLoan.com
+ Student loan consolidation at StudentLoanConsolidator.com
+ Private student loans available at any time - visit AlternativeStudentLoan.com
+ The Financial Aid Podcast is a publication of the Student Loan Network.

I want to hear from you! Email me at financialaidpodcast {at} gmail {dot} com, visit http://www.FinancialAidPodcast.com, or call 206-350-1208.

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FAP733: The GI Bill and Veterans Financial Aid, CSS Profile, Mail Bag

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Student Financial Aid News
+ Inside Higher Ed: If any college in the country had an incentive to respond to the growing pressure from politicians to make higher education more affordable, it might be George Washington University, which Forbes recently characterized as “the most expensive four-year university in the U.S. (and most likely the world).”
+ At a time when when college prices are topping the concerns of policy makers in Washington and in the states, it can’t be helpful that when a reporter (not this one) asked an aide to the top Republican on the House education committee last week which colleges were most expensive, she unhesitatingly said, “Oh, George Washington University.”
+ “I don’t think it’s true that we’re the highest, but it’s a fact that people will focus on the entering sticker and not the more complicated story,” said Steven D. Knapp, who became George Washington’s new president last August.
+ On his very first day in office, Knapp told his cabinet that George Washington needed to do far more to bolster the university’s affordability, “so we don’t get in the situation where some portion of the population cannot afford to attend.” On Friday, GW joined the growing ranks of colleges announcing efforts to change their pricing and spending practices, unveiling a plan that focuses on moderating the growth of tuition for all students, while emphasizing affordability for the neediest students.
+ Inside Higher Ed: While momentum is growing in Congress to pass a new GI Bill, adding education benefits for a generation of veterans serving in Iraq, the Pentagon and Bush administration are opposed. The reason? The Boston Globe reported that it is fear that better education benefits would discourage those who have the option to leave from re-enlisting. The Globe quoted Robert Clarke, assistant director of accessions policy at the Department of Defense, as saying that “the incentive to serve and leave” might with better education benefits “outweigh the incentive to have them stay.”
+ Same story on Boston.com
+ Interesting point - fully funding the GI Bill would cost the same as 36 hours of operations in Iraq
+ GI BIll Details
+ $9,600 flat rate since the 1980s
+ Used to be full tuition, housing, and living costs for 8 million veterans

Scholarship Update
+ GFOA’s Minorities in Government Finance Scholarship
+ The GFOA’s Minorities in Government Finance Scholarship of $5,000 is available for award to an upper-division undergraduate or graduate student of public administration, (governmental) accounting, finance, political science, economics, or business administration (with a specific focus on government or nonprofit management). The purpose of the Minorities in Government Finance Scholarship is to recognize outstanding performance by minority students preparing for careers in state and local government finance. This scholarship is funded by Microsoft.
+ Eligibility:
+ Currently a full- or part-time upper-division undergraduate or graduate student in public administration, (governmental) accounting, finance, political science, economics or business administration (with a specific focus on government or nonprofit management).
+ Belong to one of the following groups (as defined by the U.S. Census Bureau): Black or African American, American Indian or Alaskan native, Asian, Native Hawaiian or Other Pacific Islander, Hispanic or Latino.
+ Citizen or permanent resident of the United States or Canada.
+ Recommendation by student’s academic advisor, department chair (undergraduate students), or dean of the graduate program (graduate students).
+ Student has not been a past winner of a scholarship administered by the Government Finance Officers Association of the United States and Canada.
+ Details at our free college scholarship search site

Mail Bag
+ Ollie writes in: My employer is offering a buy out package to trim it’s workforce. Although I am 40yrs old with a family, I have a great opportunity to get most of my basic yearly wages, med. coverage, and they will pay up to 15,000 in tuition.I can work a part time job and pursue an intense two year program. I need just a bit more money for my family to live on so we will not struggle very badly.Where should I look for money ? Is it illegal to get part of your student loan given back to you if my employer pays the bulk of the bill ? Is there any money out there designated for non- traditional students? I have about five weeks to make a decision.Your help would be greatly appreciated. I am a veteran and used part of my G.I. bill but I am way out of the ten year window
+ Scholarships and grants
+ Scholarship search secrets eBook
+ Federal student loans
+ Private student loans
+ Plenty of scholarships for non-traditional students
+ Check with the VA, too
+ Ricky writes in: I know there isn’t an easy method to file corrections for the CSS Profile. However, I made a pretty big mistake on mine, I’ve not realized, and need to send corrections to my schools. How should I go about doing that?
+ CSS Profiles do not offer corrections
+ The FAFSA does offer corrections
+ The process of correcting the profile has to be done at the financial aid office

Did you enjoy today’s show? If so, please consider subscribing for free to get it delivered to you. Subscribing for free means you don’t have to remember to download it every day.
+
+
+

Direct MP3 file download: Click here to download the MP3

Reminders
+ Student Loan Network $10,000 Scholarship - Apply in 32 seconds or less!
+ Financial Aid Podcast Show Notes at FinancialAidPodcast.com.
+ Free scholarship search secrets eBook at StudentScholarshipSearch.com/ebook
+ FAFSA form tutorials and free help at FAFSAonline.com
+ Stafford federal student loans at StaffordLoan.com
+ Student loan consolidation at StudentLoanConsolidator.com
+ Private student loans available at any time - visit AlternativeStudentLoan.com
+ The Financial Aid Podcast is a publication of the Student Loan Network.

I want to hear from you! Email me at financialaidpodcast {at} gmail {dot} com, visit http://www.FinancialAidPodcast.com, or call 206-350-1208.

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FAP732: Higher Education Act Reauthorization, Free Stuff Friday

Student Financial Aid News
+ The U.S. House of Representatives overwhelming approved legislation on Thursday that would crack down on conflicts of interest in the student-loan programs while holding institutions and states accountable for rising college tuitions.
+ The bill (HR 4137), which would reauthorize, or renew, the Higher Education Act for five years, would also require colleges to tackle illegal downloading by their students and make it easier for for-profit colleges to become eligible to award federal student aid.
+ During the daylong debate on the bill, the House approved 26 amendments, and rejected one: an amendment by Rep. Danny K. Davis, Democrat of Illinois, that would have made private student loans dischargeable in bankruptcy. That amendment, which would have allowed borrowers to wipe out their debt after five years of repayment, was fiercely opposed by the banking industry, but strongly supported by groups representing consumers and students.
+ In arguing for the amendment, Mr. Davis said it was unfair for the government to treat student loans more harshly than other forms of unsecured consumer debt.
+ “For many of these students who secure loans without the protection of bankruptcy, it’s like receiving a life sentence with no appeal,” he said. “We should give students the simple protection of bankruptcy that is provided for individuals with any other consumer loan.”
+ Republican opponents of the amendment countered that the restoration of bankruptcy protections would actually harm borrowers by forcing lenders to increase interest rates and trim borrower benefits to make up for lost revenue.
+ “This is going to help a small number of people but hurt a larger number of people,” said Rep. Ric Keller, Republican of Florida.
+ In the end, the amendment was defeated, 179 to 236.
+ I have an analysis piece on FinancialAidPodcast.com about why this measure was defeated
+ Among the other amendments adopted on Thursday were measures that would:
+ Require colleges to provide students with information on the anticipated cost of a college degree.
+ Allow the Internal Revenue Service to pre-populate portions of the Free Application for Federal Student Aid, or Fafsa, with existing tax data, at the request of students or families applying for aid. That provision would drastically reduce the number of questions aid applicants have to answer on the form.
+ Allow community-college students to have $10 of their student loans forgiven for each hour they spend as a mentor to an at-risk child.
+ Forgive interest accrued on the loans of active-duty service members and National Guard members during up to 60 months of assignment to a combat zone.
+ Make students who lost a parent or guardian in the wars in Iraq or Afghanistan eligible for the maximum Pell Grant.

Scholarship Update
+ Ron Brown Scholarship
+ $800,000 - 20 x $10K x 4
+ The Ron Brown Scholar Program seeks to identify African-American high school seniors who will make significant contributions to society. Applicants must excel academically, exhibit exceptional leadership potential, participate in community service activities and demonstrate financial need. The applicant must be a US citizen or hold a permanent resident visa card. Current college students are not eligible to apply.
+ Deadline January 19
+ Details at our free college scholarship search site

Free Stuff Friday
+ Wireless Key View for Windows
+ Time Machine Editor for the Mac
+ FactCheck those politicians!
+ OutSync for Windows
+ Send docs out for conversion with Koolwire
+ JoikuSpot
+ Amusing - Lifehacker has 10 DIY projects for your house
+ TrueCrypt
+ MezzoMan for Google Maps
+ Ript scrapbooking for Windows
+ Super Duper is now Leopard compatible

Did you enjoy today’s show? If so, please consider subscribing for free to get it delivered to you. Subscribing for free means you don’t have to remember to download it every day.
+
+
+

Direct MP3 file download: Click here to download the MP3

Reminders
+ Student Loan Network $10,000 Scholarship - Apply in 32 seconds or less!
+ Financial Aid Podcast Show Notes at FinancialAidPodcast.com.
+ Free scholarship search secrets eBook at StudentScholarshipSearch.com/ebook
+ FAFSA form tutorials and free help at FAFSAonline.com
+ Stafford federal student loans at StaffordLoan.com
+ Student loan consolidation at StudentLoanConsolidator.com
+ Private student loans available at any time - visit AlternativeStudentLoan.com
+ The Financial Aid Podcast is a publication of the Student Loan Network.

I want to hear from you! Email me at financialaidpodcast {at} gmail {dot} com, visit http://www.FinancialAidPodcast.com, or call 206-350-1208.

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FAP731: Sallie Mae Credit Downgrade, HEA, Tires, Mail Bag

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Student Financial Aid News
+ This weekend is College Goal Sunday for a lot of states
+ Inside Higher Ed: Posturing, panicking and backpedaling and, of course, politicking Ã¢Â€Â” all of those were in ample supply Wednesday as lobbyists, lawmakers and other players prepared for todayÃ¢Â€Â™s House of Representatives debate over legislation to renew the Higher Education Act.
+ After all was said and done, not much to report in terms of significant changes yet
+ NASFAA: “Standard & Poor’s lowered its credit rating on SLM Corp. (ticker: SLM) to just one step above junk territory and warned it could be cut further, saying the student lender better known as Sallie Mae faces pressure on funding, profits and credit quality,” The Wall Street Journal reports. “The two-notch downgrade after the market closed Monday - to BBB- from BBB+ - was the latest blow for a company that in the past year has seen a $25 billion buyout deal fall apart, margins in its core federally guaranteed student loan business squeezed by cuts to government subsidies and difficulties raising funds in the wake of the credit crisis sparked last summer. Sallie Mae agreed to costly terms last month to secure commitments for a $31 billion credit line needed to fund its business over the next year. S&P raised doubt about that deal Monday, saying it is keeping Sallie Mae’s ratings on watch for a downgrade given the possibility those commitments are subject to conditions that could keep the deal from closing as expected.”
+ What does this mean for you? Sallie Mae private student loans will likely get harder to obtain, if the financing falls through
+ It will also mean that they’ll need to continue deriving revenue from as many sources as possible, so it’s possible that might include more aggressive fee structures, especially for late payments and defaults
+ Make sure you always make your payments on time
+ Consider consolidating your student loans

Scholarship Update
+ Bridgestone Firestone Safety Scholars Essay Contest
+ Students 16-21 who are enrolled full-time. You must have a valid drivers license.
+ $5,000 (3) or/and a set of Bridgestone Firestone tires.
+ Deadline: July 31
+ You must submit a 1-3 minute video relating to automobile safety. The essay should discuss effective ways to improve driver safety for drivers aged 16-21 and ideas on the best and most effective way to communicate to and educate drivers on the topic discussed.
+ Details at our free college scholarship search site

Mail Bag
+ JB wrote in: hi….thansk for the financial aid guide, it was a great primer as i prepare to find all sorts of monies for my education….this leads me to ask about such a guide for disabled veterans such as myself about to start a phd program…i’m looking for money to help or to pay for my phd degree which i start in the fall (fall ‘08)…do you have and can you provide some insights? thanks….
+ James wrote in: Please explain the interaction between athletic, needs based, & academic scholarships. My daughter was told that she could not combine her (partial) athletic scholarship with a needs based scholarship.
+ Mark Kantrowitz wrote in: We’re trying to get the word out about our FAFSA video to as many educators and students as possible. Any chance you could mention or link to the video?
+ Justin wrote in: What equipment do you use to make your show?
+ Elizabeth wrote in on MySpace: There is a company that is doing Federal Consolidation and I need help getting the word out about the investigation that is going on with them. The company started out as Student Funding Services but was raided on May 24 2007 for forging Promissory notes, trolling NSLDS, and employees doing esignitures, for barrowers that were never even spoken to, on company computers, also the company is under investigation for offering rates that could not possibly be delivered. This company is still under investigation by the department of education (I can provide the name and number of the special agent if you need clarification). The company is now doing buisness as “STUDENT RESOURCES CORPERATION” and I have information that that the same things are still going on.

Did you enjoy today’s show? If so, please consider subscribing for free to get it delivered to you. Subscribing for free means you don’t have to remember to download it every day.
+
+
+

Direct MP3 file download: Click here to download the MP3

Reminders
+ Student Loan Network $10,000 Scholarship - Apply in 32 seconds or less!
+ Financial Aid Podcast Show Notes at FinancialAidPodcast.com.
+ Free scholarship search secrets eBook at StudentScholarshipSearch.com/ebook
+ FAFSA form tutorials and free help at FAFSAonline.com
+ Stafford federal student loans at StaffordLoan.com
+ Student loan consolidation at StudentLoanConsolidator.com
+ Private student loans available at any time - visit AlternativeStudentLoan.com
+ The Financial Aid Podcast is a publication of the Student Loan Network.

I want to hear from you! Email me at financialaidpodcast {at} gmail {dot} com, visit http://www.FinancialAidPodcast.com, or call 206-350-1208.

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FAP722: Sallie Mae, Nelnet in trouble, graduate financial aid mailbag

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Student Financial Aid News
+ This Sunday is College Goal Sunday in Massachusetts. Other states will vary. I’ll be at Framingham High School, and I’ll be bringing my video rig as well.
+ Chronicle: Sallie Mae, (ticker: SLM) the nation’s largest student-loan company, said it will stop offering loans to students at colleges with poor graduation rates.
+ The lender, which is struggling with financial difficulties including a falling stock price, announced the change on Wednesday, one day after it was revealed that Sallie Mae would also stop making private loansÃ¢Â€Â”those given by banks without any federal subsidyÃ¢Â€Â”to students whose credit ratings are below prime.
+ The moves are among service cutbacks a number of lenders have announced as they cope with a reduction in federal subsidies on government-backed loans and the overall tightening of credit markets stemming from the crisis in mortgage lending.
+ Albert L. Lord Sallie Mae’s chief executive, explained the decision in a conference call with industry analysts on Wednesday. “Education builds credit worthiness,” and “if there’s one single variable that’s critical, it’s graduation,” Mr. Lord said.
+ “Sallie Mae has lent too much money to students who have gone to schools without very good graduation records,” Mr. Lord said, without defining which colleges he had in mind.
+ As with the company’s new policy of not making private loans to students with poor credit ratings, a shift by Sallie Mae based on graduation rates could have its most significant effects on for-profit colleges and some categories of private institutions that rely on lower-income students. Sallie Mae did not restrict its boycott of colleges with low graduation rates to either private loans or federally guaranteed loans.
+ Students at colleges with low graduation rates are “singly responsible” for more than 60 percent of credit losses at Sallie Mae in 2007, Mr. Lord said.
+ Some college groups said the decision on private loans could be beneficial, since some lenders have been encouraging too many students to borrow beyond their means.
+ “This is a classic Sallie Mae moveÃ¢Â€Â”always trying to cream the good paper,” said Sarah A. Flanagan, vice president for government relations at the National Association of Independent Colleges and Universities.
+ In other student loan industry news, Nelnet (ticker: NNI) is exiting the student loan consolidation business in a press release yesterday and is also cutting 300 jobs
+ If you’re a Nelnet customer interested in student loan consolidation, come on over to StudentLoanConsolidator.com or call 877-328-1565
+ Tomorrow, another episode of Financial Aid Podcast Live!

Scholarship Update
+ The Alice L. Haltom Educational Fund exists for the purpose of furthering education in the field of information and records management. It is supported by contributions from various chapters of the Association of Records Managers and Administrators International (ARMA), companies, individuals, and other organizations.
+ Deadline May 1 each year
+ $2,000
+ Details at our free college scholarship search site

Mail Bag
+ Lorri writes in: My sister in law is trying to acquire enough money to go to Berkley or some major school like that for her Masters. Are there any scholarship/loan/grant websites or businesses she should look in too. I used the FASFA grant to get through college, but I don’t think that applies to a masters degree. Congrats on the $10,000 scholarship campaign, you do awesome work for others!
+ The FAFSA is a must for graduate students, too!
+ There are lots of scholarships and grants for graduate students - typically, scholarships and grants for graduate students focus more on the field of study than on financial need, in contrast to undergraduate scholarships
+ Graduate Stafford loans have higher limits than undergraduate ones
+ Graduate PLUS loans are just for graduate students
+ Make sure your sister in law has a copy of our free eBook, Scholarship Search Secrets

Did you enjoy today’s show? If so, please consider subscribing for free to get it delivered to you. Subscribing for free means you don’t have to remember to download it every day.
+ Click here to subscribe for free by email
+ Click here to subscribe for free in iTunes
+ Click here to add the Financial Aid Podcast to Google Reader or your Google Homepage

Direct MP3 file download: Click here to download the MP3

Reminders
+ Student Loan Network $10,000 Scholarship - Apply in 32 seconds or less!
+ Financial Aid Podcast Show Notes at FinancialAidPodcast.com.
+ Discuss this episode at the Financial Aid Forum!
+ Free scholarship search secrets eBook at StudentScholarshipSearch.com/ebook
+ FAFSA form tutorials and free help at FAFSAonline.com
+ Stafford federal student loans at StaffordLoan.com
+ Student loan consolidation at StudentLoanConsolidator.com
+ Private student loans available at any time - visit AlternativeStudentLoan.com
+ The Financial Aid Podcast is a publication of the Student Loan Network.

I want to hear from you! Email me at financialaidpodcast {at} gmail {dot} com, visit http://www.FinancialAidPodcast.com, or call 206-350-1208.

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FAP718: Save hundreds of dollars in Free Stuff Friday

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Student Financial Aid News
+ Happy 39th anniversary to my parents
+ The Financial Aid Podcast January Newsletter shipped yesterday - if you’d like a copy and didn’t receive one, please email me! In this issue are three free eBooks, our $10,000 scholarship, and more.
+ Chronicle: Educational endowments posted an average 16.9-percent return on their investments in the 2007 fiscal year, up from 10.6 percent in the previous year. They were the strongest results since 2000, according to a survey released on Thursday.
+ The average spending rate of endowments was 4.4 percentÃ¢Â€Â”a decrease of 0.1 percent from the 2006 fiscal yearÃ¢Â€Â”but for those endowments that increased spending, the actual dollar amount spent rose by an average of 18.5 percent, Mr. Jarvis said.
+ Inside Higher Ed: In a twist on the debate over extending in-state tuition rates to undocumented students, a Colorado state senator is sponsoring legislation that would end the state’s requirement that parents meet residency requirements. The Denver Post reports that in addition to creating difficulties for homeless and foster children, the parental residency requirement has rendered students born in the United States to parents present in the country illegally ineligible for in-state rates.

Scholarship Update
+ Dr. Mary Tabacchi Scholarship
+ The ISPA FoundationÃ¢Â€Â™s Mary Tabacchi Scholarship will be awarded to an undergraduate student who has completed at least one-year of college and is seeking a spa-related degree with a demonstrated interest in spa management. The recipient will receive $2,500 USD to offset their education expenses, as well as registration, airfare and hotel accommodations to attend the ISPA Conference & Expo or ISPA Asia-Pacific Conference.
+ 2.75 GPA
+ Essays, references, transcripts
+ $2,500
+ March 1 deadline
+ Details at our free college scholarship search site

Free Stuff Friday
+ EveryStockPhoto
+ The Flickr Commons
+ Flickr Uploader
+ Qik video streaming from your phone
+ Namexif for Windows photo date renamer
+ Google Maps now shows gas prices
+ Target Disk Mode for the Mac
+ In one week, NAPFA teams up with Kiplinger’s Personal Finance Magazine to offer “Jump-Start Your Retirement Plan Days” on January 25th. 888-919-2345

Direct MP3 file download: Click here to download the MP3

I want to hear from you! Email me at financialaidpodcast {at} gmail {dot} com, visit http://www.FinancialAidPodcast.com, or call 206-350-1208.

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FAP696: Understanding What an Investment Is

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Student Financial Aid News
+ Inside Higher Ed: Haverford College announced Wednesday that it is moving to replace all loans in students’ aid packages with grants. At the same time, the college is creating a new endowment fund and asking (but not requiring) students who benefit from the change to pledge gifts to assure that future generations of students have the same opportunity to avoid loans. Tufts University on Wednesday announced that it would replace loans with grants for students from families with incomes up to $40,000.
+ Chronicle: The U.S. House of Representatives approved this afternoon a $555-billion budget package for 2008 that includes less-generous amounts for academic research and student aid than previous bills favored by Democratic leaders in Congress had contained. The sprawling measure, which the Senate passed on Tuesday, now heads to President Bush, who is expected to sign it.
+ Passage of the bill follows a month of tense negotiations between Congress and the president, who refused to sign any bill that exceeded his budget request. Ultimately, lawmakers were forced to shave millions of dollars from their proposed appropriations for domestic programs. Among the cuts: nearly $1-billion from the budget for the National Institutes of Health, which is the largest single source of funds for university research.
+ Under the bill, HR 2764, the maximum Pell grant, which is now $4,310, would be trimmed to $4,241, although the actual award would rise to $4,731 once funds from a student-aid bill enacted in September are included. The earlier measure provided enough money for a $490 increase above the maximum in the bill approved today. The new omnibus appropriations bill would finance every federal agency except the Pentagon for the 2008 fiscal year, which began October 1.
+ Funds for the TRIO and Gear Up programs, which prepare low-income students for college, would be frozen at 2007 levels, while spending would drop on several other student-aid programs, including Supplemental Educational Opportunity Grants, Perkins Loans, and the Leveraging Education Assistance Program, or LEAP.
+ IndyStar: Last Friday — the day he was renamed chief executive of Sallie Mae — Lord had to sell a whopping $34.6 million worth of his personal stock in the student loan giant to cover an unspecified loan. Then on Wednesday, shares plummeted 21 percent in value after Lord told analysts on a conference call the beleaguered company would consider reducing its dividend payment. To top it off, Lord wrapped up his rambling and, at times, tense conference call by dropping a four-letter bomb.
+ When an analyst asked how much equity it would take to improve Sallie Mae’s credit rating, Lord said, “You’re talking to the wrong guy. I don’t know that answer.” Lord told analysts he would answer questions in full at a company meeting in January. The call ended with Lord saying, “There’s no more questions, let’s get the (expletive) out of here.”

Scholarship Update
+ In an effort to help further the advancement of the geospatial tradecraft, the United States Geospatial Intelligence Foundation (USGIF) is dedicated to assist promising students interested in the geospatial sciences with scholarship awards. USGIF hopes to inspire students who are interested in all that GEOINT has to offer to invest their futures in this incredibly exciting and relevant field of study.
+ Last year, the Foundation awarded a total of 12 scholarships to recipients: two Ph.D. candidates, four master’s candidates, three undergraduates and three high school seniors. High school winners received $2,000 scholarships and the other winners received $5,000 scholarships.
+ June 15 deadline
+ Details at our free college scholarship search site

Economics 101
+ What is an investment?
+ Stock definition: laying out money or capital in an enterprise with the expectation of profit
+ Short version: it’s a bet
+ Different than savings
+ Savings has the intent of keeping your money safe, hence the name
+ An investment is a bet, just like Vegas, in which you want to make more money than you put in
+ The likelihood that you’ll do so is called risk
+ Risk is not the same as uncertainty - uncertainty means you don’t know what the odds are, whereas risk you do
+ Investing has levels of risk from small to outrageous
+ Important: with insured savings, FDIC/NCUA, up to a certain dollar amount, your initial money is guaranteed
+ Investments are NEVER guaranteed and you CAN lose it ALL
+ Why would you invest? To make money. Investing is one of the most powerful forms of passive income, where your money earns money
+ The likelihood of your money making money is the rate of return, or return on investment, and the more risk you take, the higher the potential return, because you’re in effect giving a loan to someone else
+ When you give a loan to someone in the form of an investment, you are paid based on the risk you take
+ There are lots of different kinds of investments - stocks, bonds, trusts, you name it. See a qualified financial planner to determine what blend of these tools is appropriate for you.

Promo
+ Private student loans from Act Education Loans at ActEducationLoans.com

Direct MP3 file download: Click here to download the MP3

Reminders
+ Financial Aid Podcast Show Notes at FinancialAidPodcast.com.
+ Discuss this episode at the Financial Aid Forum!
+ FAFSA form tutorials and free help at FAFSAonline.com
+ Stafford federal student loans at StaffordLoan.com
+ Student loan consolidation at StudentLoanConsolidator.com
+ Private student loans available at any time - visit AlternativeStudentLoan.com
+ The Financial Aid Podcast is a publication of the Student Loan Network.

I want to hear from you! Email me at financialaidpodcast {at} gmail {dot} com, visit http://www.FinancialAidPodcast.com, or call 206-350-1208.

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FAP693: Understanding the FAFSA4Caster results

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Student Financial Aid News
+ Bloomberg: California Governor Arnold Schwarzenegger will declare a state of fiscal emergency under never-before-used rules that would force lawmakers into a special session to address a $14 billion deficit.
+ Democrats who control the Legislature have been saying that tax increases will be needed to fill the shortfall. Tax increases in California require approval from two-thirds of the Legislature, and Democrats are eight votes short of that threshold.
+ Schwarzenegger has said raising taxes would put a further drag on the state economy and has warned that he will have to order cuts in spending from nearly every state program this year.
+ At risk, of course, are things like the Cal Grant and other state-funded education initiatives, as well as state-funded colleges and universities, which would necessitate tuition increases
+ Bloomberg: Wheat rose above $10 a bushel for the first time, bolstering prices for other grains and oilseeds and stoking inflation.
+ Chicago wheat futures rose as much as 30 cents, or 3.1 percent, to $10.095 as dry weather threatened crops in Argentina, adding to concern the world’s farmers may not be able to grow enough to meet demand for bread, pasta and livestock feed. Rice also gained to a record, while soybeans reached the highest in 34 years and corn was its costliest in nine months.
+ Nissin Food Products Co. said it will raise prices on its Cup O’ Noodles from Jan. 1 for the first time since 1990 because of rising wheat prices.
+ What does this mean for you? Increased basic expenses - plan accordingly
+ Inside Higher Ed: Michigan Technological University has announced a new policy of offering in-state tuition rates to the children or spouses of those on active duty in the U.S. military, regardless of their legal state of residence.

Scholarship Update
+ American Board of Funeral Service Education National Scholarship
+ The National Scholarship Program of the American Board of Funeral Service Education was established to provide financial awards to students enrolled in funeral service or mortuary science programs to assist them in obtaining their professional education. Established during the 1960’s the program has awarded scholarships to hundreds of students. Scholarships are generally from $500 - $2,500 for an academic year and are applied directly to the student’s tuition charges after certification of enrollment is received from the college involved. Students may apply once per calendar year for consideration.
+ March 1 deadline
+ Details at our free college scholarship search site
+ Download our free scholarship search eBook

Focus on Financial Aid
+ How to interpret the results of the FAFSA4Caster
+ The FAFSA4Caster is the Department of Education’s FAFSA financial aid estimator - it’s a simulation FAFSA that will give you a ballpark estimate of how much financial aid you’re eligible for
+ It is non-binding, but it also will help you get started on the FAFSA when the FAFSA window opens in January, so remember to write down your login information
+ Sample FAFSA4caster output:
+ Federal Pell Grant $4,310 / $4,310
+ Academic Competitiveness Grant (ACG)* $750 /$750
+ Federal Stafford Loan (Subsidized) $3,500 / $3,500
+ Below you will see other sources of federal aid that you may receive. These amounts are based on the average award amount that other students have received.
+ Federal Supplemental Educational Opportunity Grant (FSEOG) $765 / $765
+ Federal Work-Study $1,200 / $1,455
+ Federal Perkins Loan $0 / $2,185
+ Average Cost of Attendance $10,525 / $18,875
+ Total Estimated Aid Eligibility $10,525 / $12,965
+ Estimated Need $0 / $5,910
+ Estimated need is actually the EFC - your out of pocket cost you’ll need to pay with cash, savings, or private student loans