What's the Best College Loan?
...the college loan that fits Your needs, Your circumstances, Your future prospects, character and lifestyle.
Federal student loans or private student loans?
A university student loan or a bad credit private student loan?
Or maybe no loan at all.
You need your very own personal student loan consultant.
Someone who can match your needs with the right information.
Have you already tried looking for useful student loan information?
If you have, then you know it's like looking for a needle in a haystack. What no one tells you is that all student loans can be good, bad or ugly depending on what your individual situation is.
What may be right for a parent with one college-age child, or a good credit rating or expectations of rising earnings-
is probably not right for someone with younger children, or a mediocre credit rating or expectations of fixed earnings.
Studies have shown that students feel the pinch when they borrow more than 7% of their post-college income. Yet some authorities recommend students borrow 10-15% and suggest that parents can afford a debt ratio of 37%!
Your Best Interests Are...
NOT represented by advice from:
- financial institutions who want to get their biggest share of this $85 billion per year industry
- colleges who only want students with funds to pay (particularly with their endowments getting hit)
- the government who puts out unreadable, bureaucratic nonsense that even their people don’t understand
- high school guidance counselors who do not know any better, because they rely on information
from the sources above
Student Loan Information or Misinformation?
As a professional research specialist, I am shocked by the amount of misinformation and lack of common sense that even respected organizations show.
As a parent who has been through this process twice, (with four more to go) I know that the best financial aid information is the sort that leaves you with the least college loan debt.
Loans do have some positive aspects.
A student loan can help you achieve a high credit rating.
It can also be used to repair your credit while saving you money.
If you take a smart, consumer-oriented approach to every phase of your school loan, you can transform it from the monkey on your back to a cash cow.
Everything from FAFSA to consolidating student loans has right and wrong choices depending on your individual situation. Its important to know what to expect so that you can make your college loan work for you!
It all starts with your FAFSA...
College Loan Blog
College loan blog...updates on financial aid for students...from student loans- no cosigner to student loan forgiveness programs to government student loans consolidation etc…
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2010-2011 FAFSA...Website, PIN, Online Application, Deadline, Renewal
The FAFSA is your key to college grants and loans. Will you get a Pell grant or federal student loans? The average cost of college education is rising, but so is federal tuition assistance.
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Pell Grant...Federal Application Eligibility, Qualifications, Requirements
Pell grant information for 2010-2011. Apply for free federal Pell grants for college and use the calculator to compare college costs. Does your FAFSA EFC qualify for free government grants?
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Federal Student Loans...Your First Choice for Student Loans for College
Federal student loans are your next best option after freebies (grants and scholarships). The good news is everyone can get some type of federal student loan. The bad news is...
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State College Loans... Grants and Scholarships, Student Loan Forgiveness
State college loans differ from state to state. Most offer their own tax-exempt version, but several do not offer anything at all. Find your state’s programs now!
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Private Student Loans, College Loans for Students and Parents
Private student loans are a critical resource for college students with tuition gaps. Find a private loan lender that meets your college funding needs.
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University Student Loans...Your Other Alternative?
University student loans are rarely mentioned but worth asking about. If funding is going to be a problem, check
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Bad Credit College Loans...How Bad Are They?
Bad credit college loans are what many students look for, but few find. What are they? Are they any use? Know what you are getting into.
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Parent College loans...School Loans for Your Golden Years
Parent college loans are college loans for students, but they are your loans. You apply for the college loan, your child uses it and you repay student loans instead of retiring. How's that for a nat
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Quick Student Loans...Recession Cycle College Loan Services
Quick student loans in a recession by definition are hard to get, because so there are so few private loans for college. To borrow money quick, you must be able to repay quickly.
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Loan Payment Formula for Federal School Loans
Your loan payment formula for government student loan repayment can depend on how much student loan relief you need to figure loan payments within your budget.
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About collegeloanconsultant
Information about collegeloanconsultant site, including how to contact me information.
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Student Loans for College Too Much To Handle?
If student loans for college are too much, use a private school financial aid strategy that eliminates EFC or lower your expenses to reduce college loan needs.
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School Loans...Legal and Finance Help
School loans...Expert professionals answer your questions on student loan default and garnishment, federal student loan forgiveness, college tuition tax deduction and other college loan problems.
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College Financial Aid...Loans, Grants, Scholarships for College
College financial aid search for information on everything from FAFSA and federal student loans, to wacky scholarships or how to apply for free grants, to student loan default or garnishment.
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College Tax Credit 2009, 2010...Better than the Hope Tax Credit
College tax credit 2009-10 helps with rising college tuition prices in an economy in recession. A college tuition tax credit offers more than an education tax deduction.
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Best Private Loan Lender, College Loans for Students
A private loan lender for college student loans is hard to find. A recession by definition means less money loaned, but one type of unsecured loan lender makes even more private loans for college now.
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More Financial Aid for College, Appeal Your FAFSA EFC Data Elements
Financial aid for college can be increased on appeal. Federal student aid as well as state and institutional aid can be adjusted for special circumstances in this economic recession.
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Free Online Calculators, Calculate Loan Interest, Payments, Pell Grant Amounts
Free online calculators for student financial aid. Calculate loan payments for the standard or extended federal college loan repayment program, use the interest, accrued, consolidation or Pell calcs.
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