Student Loan Information Online

The Association of American Medical Colleges reports that the median debt for 2002 medical school graduates was $92,000 at public and $127,000 at private medical schools. Managing such a large debt load, especially when multiple lenders are involved, can be challenging. The following organizations offer online information on managing medical school debt, consolidation student loans, calculators and other tools, financial planning resources, and links to related Web sites.

Association of American Medical Colleges
www.aamc.org
The AAMC site features detailed information about several unsecured personal loans, including the MEDLOANS and MEDLOANS Consolidation Loan programs, and a glossary of frequently used financial aid terms. AAMC's DEBTHELP, Educational Debt Management Services for Residents, is designed for easy use by residents and the medical school financial aid officers and GME staff who counsel them on their student loans for bad credit. It includes "The Layman's Guide to Educational Debt Management for Residents and Graduate Medical Education Staff" (www.aamc.org/laymansguide), which provides current information on how to manage education debt. The information about debt management resources (www.aamc.org/debtmanagement) includes "You want to do what? A Primer on Loan Consolidation," and other debt management workshops offered throughout the country, as well as on video.

Access Group
www.accessgroup.org
The nonprofit Access Group offers a Medical Access Loan and a Medical Residency Loan. In addition to loan information and applications, the site features publications and interactive calculators.

American Medical Association
www.ama-assn.org
The AMA site has information on student loan consolidation, interest rates, and definitions of financial terms. The online Financial Aid Resource Guide provides links to numerous financial aid and debt management resources. AMA Solutions, a subsidiary of the AMA, offers financial management products for members, including debt consolidation (www.amasolutions.com).

Citibank
www.citibank.com
In addition to consolidation loans, Citibank offers CitiAssist loans for medical residents to cover board review courses, residency interviewing and relocation expenses. The Web site features online applications and information on rates, terms, borrower benefits and discounts.

Federal Direct Consolidation Loans

U.S. Department of Education
www.ed.gov
The Department of Education Web site has information on federal loan consolidation programs. Also see http://loanconsolidation.ed.gov and www.federalconsolidation.org.

FinAid
www.finaid.org
This comprehensive, award-winning Web site provides information about financial aid options, including links to other Web sites, lists of lenders offering education and consolidation loans, and a list of resources and books on debt management.

HRSA
www.hrsa.gov
The Health Resources and Services Administration Web site has applications for refinancing HEAL loans, information on rates, a refinancing calculator, and links to the U.S. Department of Education.

Medfunds
www.medfunds.com
Medfunds provides Stafford, residency relocation, and signature loans.

Nellie Mae
www.nelliemae.com
Nellie Mae offers several loans for graduate students, including MD-EXCEL, a residency relocation loan, and federal consolidation loans.

Sallie Mae
www.salliemae.com
Sallie Mae provides funding and servicing for student loans. It's offerings include the MEDLOANS program, the Alternative Loan Program for medical students, and the MEDEX loan program for residency interviews and relocation. The Web site has financial planning features, a loan calculator and access to accounts online.

Georgia Mortgage Refinances

There are several reasons to refinance a home in Georgia. Perhaps you would like to shorten the length of your current mortgage. Maybe you would like to change your interest rate. You might be considering using the equity in your home for remodeling projects or consolidating debt. Whatever your reasons for a mortgage refinance, there different options available to you.
Consider the Fixed Rate Mortgage, Adjustable Rate Mortgage, Interest Only Loan, Balloon Adjustable Rate Mortgage, or a LIBOR if you would like to adjust your interest rate.
A Fixed Rate Mortgage allows for the interest rate on your loan to remain fixed. This is a good loan to consider if you plan on staying in your home for an extended period of time. An Adjustable Rate Mortgage allows for the interest rate to adjust to the changes in the market. The Balloon Adjustable Rate Mortgage varies slightly to a typical Adjustable Rate Mortgage. In the first five to seven years you will pay a fixed interest - until that time is over and you will be the amount due. This and the typical Adjustable Rate Mortgage are good mortgages to consider when you plan to sell your home in a shorter period of time. There is also the option of a LIBOR loan (check this answer what is LIBOR loan), which allows for more competitive interest rates than an Adjustable Rate Mortgage. There are other types of loans to consider when refinancing
It is always a good idea to investigate the different loan options available to you when considering a home loan refinance. In addition, Georgia has certain laws pertaining to foreclosure consideration.
After learning about the different loans and Georgia law, it is time to select a broker. A good broker will present you with all of your loan options, be familiar with the Georgia law, and take the time to work with you on the details of each. Being prepared will aid you as you move forward in selecting the broker that is right for you..

Student Loan Consolidation Information - What Is The William D Ford Direct Loan Plan

At the time of researching your student loan consolidation information alternatives you need to examine the William D Ford Direct Loan Plan.

The Direct loan program began about 15 years ago and in reliable American fashion was used to remove the middle man, instead of having the banks, credit unions and other private businesses lend money to students and their parents, the Federal government loans the dollars directly.

Direct programs overlap in many areas, the alternative known FFELP (Federal Family Education Loan Program), the latter is the acronym for programs that work via private lenders, since they duplicate in a few ways the FFEL schemes, it is critical for lenders to target which program they want as both offer Stafford and PLUS loans, Direct loans have similar criteria for eligibility, they adhere to a similar need-based guidelines, or have similar credit check requirements for non-need-based services, providing similar programs according to a similar standard raises a natural question, how to pick between them?

In part the decision involves picking out which of two types to use, both provide customer service personnel to answer any questions, in a good number of cases the private lenders will be more flexible and helpful and the government more bureaucratic or indifferent, reading many of the forums, which can be accessed on-line could be the better way to obtain more information about which would best suit an individuals situation, with the growth of social networks it has become much easier to get a diverse set of views and opinions, many of these views are based less on objective criteria than personal taste, reading the posts may instantly allow a person to decide which side they favor.

More concrete differences between the two products do exist, though since FFELP loans are funded and serviced by private financial institutions who you sign a promissory note and could possibly not be who you re-pay the loan to, it is a basic practice for lenders to re-sell loans to other businesses, mortgage companies have been doing this all the time, you may have gone to the trouble to discover a lender and their services you like, you could have decided over and above the rate and repayment terms preferring their customer service and then for example finding the loan has been sold to another business, you may now be repaying the loan to a company you rejected, however in the situation of Direct loans since the Federal government is the lender the loans are not sold to any third party.

The most critical difference to many people will be the possibility that rates, charges and repayment terms could differ between the two, officially the interest rates of both Stafford and PLUS loans are fixed, nevertheless private lenders have some flexibility in other areas.

The lenders could possibly charge or not charge origination and insurance charges (officially assessed at 3% and 1% according to the Federal laws, which themselves are changing in the next few years). Though the fees are still there the lender may agree to absorb them in order to obtain your business, they could possibly modify the dates on which interest charges are calculated, or extend grace periods or lengthen the re-payment time.

The only way to find out what is available is to shop around much as you would for any other kind of loan and calculate the total cost of the loans, it is imperative to keep this information at hand when considering any student loan consolidation information.

All about Real Estate Bridge Loan

In today’s times, buying a home is no longer considered as an extraordinary thing to do. These days there are numerous financing options available in the market than ever before. The home buyer can now opt for loans, be it conventional loan or adjustable rate types. With so much variety of choices available, a home buyer can definitely find suitable loan for himself. While looking for a loan, a home buyer should keep his current financial situation as well as future plans, in mind. Many people dream of buying a house but only few of them can really achieve this goal. These days, many people want to buy real estate property but buying it entirely by cash is not practically possible to most of them by taking help of a real estate loan, their dream of purchasing a home can come true. With the real estate loan, one can easily plan and own a property for himself.

People opt for a real estate loan with various intentions. Some may want to invest in the real estate market by buying a corporative flat, others would like to reconstruct their existing real estate and some may plan to build a property. Various types of loans are easily available in order to fulfill their needs accordingly. One can easily come across many financing agencies such as banks and money lending forms who offer real estate loans to people. Since the money involved is much higher than the ordinary loans, there are certain prerequisites to obtain a real estate loan.

Real state loans can be categorized as a secured loan since the borrower needs to handle over a legal document to his lender. By this way the borrower and the owner of the new property transfers the collateral to the lender which acts as security against the offered loan amount. This produce is adapted since the lender is lending big money. Hence the lender wants his money to be secured and wants a sort of a guarantee from the borrower that it will be paid on time. It is with such kind of assurance deal that the lender accepts the loan to the borrower.

While dealing with real estate loan, one must be aware that the payback tenure or repayment period is another important factor while deciding on a real estate loan plan. One must also be aware of the fact that the longer the repayment tenure, the lower will be the installments and thus the borrower finds it easy to payback. There are two types of real estate loans. They are as follows:

1) Residential real estate loans:

Before a person applies for a residential real estate loan, he has to follow certain pre-requisites. Firstly, a residential real estate loan online application form has to be filled. Secondly, his last financial statement and his latest income tax return documents have to be furnished. He must also be in a position to submit one guarantor’s most recent individual financial statement and latest individual tax return.

2. Commercial real estate loan
The prerequisites before applying for the commercial real estate loan are as follows:

1. The commercial real estate online application loan online application form has to be filled up followed by the real estate appendix.
2. The present company’s financial statements and latest tax return needs to be furnished.
3. Finally, guarantor’s most recent individual financial statement and latest individual tax return has to be handed over.

Direct Loans & How to Apply

The Direct Loan Program is one of the Federal Student Aid (FSA) programs offered by the Department of Education, and it provides students with a simple, inexpensive way to borrow money to pay for education after high school. You apply for FSA by filling out the Free Application for Federal Student Aid; you can use the paper FAFSA, but we recommend using the online version, FAFSA on the Web.

If your school participates in the Direct Loan Program, you'll then need to complete a master promissory note (MPN) to get a Direct Loan. The MPN explains the loan terms and is the legally binding agreement that you will repay the Department.

Loan Counseling The Direct Loan Servicing site has online entrance and exit counseling tutorials that you can take if you are or will be a Direct Loan borrower.

Check out the Frequently Asked Questions and the Glossary to see if they answer any questions you have.

Publications To find out more about the Direct Loan Program, check our library of publications for borrowers, including the new entrance and exit counseling guides and the basics brochures. These publications will tell you more about how much you can borrow and your rights and responsibilities when you're repaying your loan.

Interactive Calculators Use the budget calculator to enter your estimated income and expenses and find out how much money you'll need for the school year. Then use the repayment calculators to compare the initial monthly payment amounts you would make under the various repayment plans.

Repayment Plans There are four types of repayment plan - standard, extended, graduated, and income contingent - so you can choose the one that is best suited for your situation.

Avoiding Default Because the financial consequences for default are severe, you should do all you can to avoid it. Deferment and forbearance are options that might help you as you repay your loans. Also, as mentioned above, you can choose the repayment plan that is best for your financial situation.

Servicing Your Direct Loans If you already have a Direct Loan, the servicing site is your one-stop center for managing your loan. Make online payments, take online loan counseling (as noted above), view your account balances and payment history, change your billing options, enroll in electronic services, learn about default management and deferment and forbearance, and more.

Consolidation Applications Consolidating your loans can be a great way to simplify repayment and lower your monthly payments. If you have a Direct Loan, you can consolidate it with other student loans. To find out more, visit our consolidation webpage.

The Best Way to Get a Secured Bad Credit Loan

Have you been turned down time and time again for an unsecured loan? You might still be able to have the loan you need by applying for a bad credit loan by using collateral. This type of loan is called a secured loan because it is secured by some kind of collateral. The collateral assures the lender that you are going to pay the loan back. If the loan is not paid back in a certain amount of time then the lender will have the right to keep your collateral, and sell it for the repayment of their loan. A secured loan is designed for people with no credit history or who have had past credit problems. The benefit of a secured loan is that, because the loan is guaranteed, the loan will probably have a very low interest rate, much lower than what a loan without collateral would have.A lender usually requires that the collateral be some type of real estate and in some cases an automobile. The collateral usually needs to be of greater value than the amount of the loan you are requesting. Generally speaking you don’t need to leave your home, or stop driving your car, if it is being used as collateral. Usually the only requirement is that you sign a contract that gives the lender the right to the title of your vehicle or home should you not be able to pay the loan back. When you are in default of the loan, the bank can either repossess (take)your vehicle or foreclose (take) your home.Although most lenders will only use vehicles or real estate as collateral, there are some lenders who will use jewelry, collectibles or rare coins as collateral. Although when a lending institution uses any of these items as collateral, they will usually hold the item for the duration of the loan. If the loan is not paid, then they are usually taken by that institution.Finding a Bad Credit Secure LoanMost high profile lenders such as banks will only take real estate as collateral for a secured bad credit loan and do not deal in second mortgages. Smaller finance companies that deal with secured loans can be found on the internet or in your local yellow pages. Newspapers are also a good source to start your search. Make sure you shop around and compare prices and terms of repayment with different finance companies. There are many sites on the internet that provide you the opportunity to request a quote from several lenders at the same time at once.As a general rule when you submit a request for an online loan quote, many finance companies will get in touch with you. That is actually a good thing because that way you will get a better idea of what each company has to offer, and then pick the appropriate one for your needs.

Home Loans Online - Top Websites:

Because home loan companies and rates are very competitive, we try to make your online home loan search experience easy. InfoFAQ has determined the top home loan websites for consumers and provided links and information about these quality websites.

Some of the Top Home Loan Websites Online

Here are some of the top websites on the Internet for buying Home Loans:

Quicken Loans Offers simplified home lending and low mortgage rates. http://www.quickenloans.com

Fannie Mae Provides financing for the multifamily and single-family housing market throughout the United States. http://www.fanniemae.com/

HSH Associates Publisher of mortgage rates and consumer loan information. http://www.hsh.com

Interest.com Consumers can locate lenders and comparison shop for low mortgage rates. http://www.interest.com

Mortgage.com Mortgage banking firm offers real estate lending nationwide. http://www.mortgage.com

Loan Information

Requesting a loan must be done online for the 2007-2008 academic school year. Request a loan only after you have carefully reviewed your financial aid award packet, the award letter, and the amount of loans offered. Included in each award packet is the Cost Estimate Worksheet. Please review the Cost Estimate Worksheet in order to estimate the annual costs associated with the academic year and plan accordingly.

STUDENT Stafford Loan - If you are awarded a Stafford Loan and would like to accept it, you can accept any amount up to but not exceeding the amount on your award letter.

• Review the Award Letter.
• Go to the online Lender List to Best Loans Information Be sure to request the annual amount desired.
• Simpson University will receive confirmation of the loan request. As prompted, please complete and e-sign the Master Promissory Note online.
• If you do not request a loan, Simpson University will decline it on your behalf.

New Borrower - If you are a new, first-time borrower, you are required to complete online entrance loan counseling with EdTest to better understand the Stafford Loan. Failure to complete the new borrower meeting will result in delayed processing of funds.

Previous Borrower - If you have already borrowed a Stafford Loan, we recommend that you use the same lender you have used in the past. If you choose to select a different lender than previously used, you must complete a new Master Promissory Note, or your loan funds may be delayed.

PARENT Plus Loan - If you are the parent of a dependent student, you will have the opportunity to help with your student's cost of college by taking out the Parent PLUS Loan. You can borrow any amount up to but not exceeding the amount on the Award Letter.

Important facts to remember: (1) Only one parent should request the loan; (2) requesting a PLUS loan does not obligate the parent to take out the loan; and (3) it is necessary to request the loan even if you believe you may be denied, as the student may become eligible for an additional unsubsidized Stafford Loan through a denial.

• Review the Award Letter and compare it to the Cost Estimate Worksheet; analyze the annual amount you will need to request (deducting the 3% Origination Fees).
• Go to the online Lender List to Home Loans Be sure to request the annual amount desired.
• The Parent PLUS Loan request is a three-step process: (1) fill out the required confirmation form; (2) fill out the required pre-approval credit check; and (3) e-signing the Master Promissory Note. If you are a continuing parent borrower (at Simpson University), be sure you are the same borrower from the previous year as continuing borrowers only need to complete the confirmation form and the pre-approval credit check.
• If you do not request a loan, Simpson University will decline it on your behalf.

Federal PLUS Loan for Graduate Students - Once you have requested the full amount of your Stafford Loans, you will have the opportunity to help with your cost of college by taking out the Graduate PLUS Loan. You can borrow any amount up to but not exceeding the amount on the Award Letter.

• Review the Award Letter and compare it to the Cost Estimate Worksheet; analyze the annual amount you will need to request (deducting the 3% origination fees).
• Go to the online Lender List to Online Loan Company Be sure to request the annual amount desired.
• The PLUS Loan request is a three-step process: (1) fill out the required confirmation form; (2) fill out the required pre-approval credit check; and (3) e-signing the Master Promissory Note.
• If you do not request a loan, Simpson University will decline it on your behalf.

Getting A Car Loan Online Will Save You Time & Money

When you'd rather enjoy a less stressful car search, you can turn to the Internet to make this journey much easier. This is when comparison-shopping and a wealth of competitive car loan quotes may be analyzed. For some, the ease of shopping around at their own pace is one of the greatest advantages to using online resources to ake car purchases, as well as compare and select car loan options.
and sealing the deal, you may feel pressured when selecting a car and finding a way to pay for it. Unless you are extremely wealthy and have extra cash on hand to make lump sum payments, potential car owners usually seek a car loan or some sort of other financial assistance to obtain the vehicle of their choice.

All the information is right there, easily accessible through the simple click of a mouse. A never-ending supply of helpful websites will present all of the information and details needed to make smart, informed decisions. You will also be able to choose the car- purchasing path of your making, avoiding the persuasive car salesperson.

The Advantages of Online Car Loans

When using the Internet to secure an online car loan, you will reap the benefits of a cost effective and time saving system. The proof is in the pudding when comparing the car loans and payments for an online loan to that of the local dealership. Let's say you obtain a quote from the dealership in your neighborhood. Next, do a little research and compare some of the prices offered on the Web. On the average, you may find a 3% increase in car loans and car payments when dealing with your not-so-friendly neighborhood car salesman.

Not only does a credit line history and an income have something to do with the way dealerships treat their customers, but also they are able to read your face and body language when it comes to making a deal. If they sense desperation or apprehension, there is a pretty high chance that they will take advantage of this intimidation with the loan process and treat you accordingly. They may even prey on a bad credit history to present the slightly higher percentages as a refreshing alternative to being rejected for a car loan. If you are unaware of all of the choices available when purchasing a car, you may be fooled into believing you are getting a good deal, when in actuality, the Internet provides a much better approach to obtaining a car.

Today, online car loan lenders tend to provide some of the lowest rates when it comes to car loans. Reputable, professional car loan websites will also offer an array of car loan options, including links on comparing existing rates. It is a timesaving procedure that you will not receive from an eager car salesman. Many car owners who have obtained a car loan through the Internet also boast how much cheaper it was to go through the process. Unlike banks and dealerships, online car loan sites often do not charge a processing fee for applications.

Where To Find Online Car Loan Resources

The Internet is filled with numerous sites promoting the benefits of online car loans, as well as resources that allow you to research, as well as purchase a new or used car. So let your fingers do the walking and use the internet to shop for your next car loan.

Selling a car online

There are a number of different ways to sell your car over the Internet but the most popular way by far are online classifieds.

Online classifieds work in a similar way to the classified advertising you see in your local newspaper. Sellers place ads, hoping to attract potential buyers, who then arrange to view and, hopefully, purchase the vehicle.

Online classifieds do have one major advantage over paper classifieds, that being the number of potential buyers you can attract. Your customer base is almost endless, limited only by the number of Internet users willing to view your advertisement, rather than the number of people who read your local paper.

Online classifieds are generally very flexible with most providers offering a choice of different types of ads. Some may even offer a free, basic advertisement with no frills and most give the option of a premium ad listing, including photos, priority in searches and a more visual ad.

You can choose to advertise your car just in your local area by selecting a local classified site. Alternatively you could decide to advertise state or country-wide, attracting hundreds or even thousands of potential buyers.

How do I do it?

First, decide which site or sites you wish to advertise on and what kind of ad you want. You must have a very good idea of how much your car is worth before placing your ad so make sure you do your research first. Be realistic. Overpricing is the most common reason for failed classified ads.

If your ad allows photos take your time and make the car as presentable as possible before taking them. Tidy up any areas around the car that will be seen in the photo too. First impressions count. Use a variety of different photos showing as many of the car’s best features and selling points as you can.

When writing your ad, mention as many features as you can in the space allotted to you. Prioritise the features as well. You might love the fact that your car is red but most sellers will be more interested in the engine size, fuel consumption or whether it's four-wheel drive or not.

Be specific with your terminology and avoid pointless phrases such as “great car”. Be sure to include a couple of different types of contact information. If people can’t reach you, you might miss the sale. An email address and phone number should be standard.

Above all, be honest. Liars always get caught out.

Will I get a good price?

In general, purchasers expect to pay less for a privately advertised car than they do for a car sold through a dealership. You can also expect people to offer less than your advertised price.

However, if you're considering trading-in your old car at a dealership as part payment for a new model, bear in mind that you will generally not get as good a price as you will if you go through the process of selling it yourself. Dealerships are in the business of making money and they also need to on-sell your old car after taking it off your hands. Car dealers will never offer a trade-in which is equivalent to the actual value of the car.

The Best Home Improvement Loans

Whether you need minor repairs, extensive remodeling or a new pool, you can give yourself a safer and more comfortable home with our online home improvement loan process. Our low interest home improvement loan can help you enhance your home for higher resale value or extended personal enjoyment.

Compare Home Improvement Loans: Information and The Facts

A low interest home improvement loan with a competitive rate can be a tax-deductible way to improve your home and increase the value of your property. Typically, there are no restrictions for home improvements, as long as they are within the boundaries of local building requirements. The best home improvement loans are fully amortized with a fixed rate placed in second position on the title of your home. Because an online home improvement loan is essentially an Loans Online or second mortgage, a major advantage is your ability to write off the interest on your payments. Compare home improvement loans to find the one that fits your situation best.

The Process of a Home Improvement Loan Quote

Complete our easy online form LoanWeb will search hundreds of lenders and thousands of loan programs Multiple lenders will contact you with a home improvement loan quote and compete for your business START HERE