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Student Loan Consolidation – How To Get The Best Rates And Plans? (Page 1 of 2)
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. Many students dont have thousands of dollars to pay their way through college.
This is why many college students use student loans to get themselves through college. When it comes time to pay back their student loans, it can be a real burden and a distraction from their career.
Before you sign up on the dotted line, you should know how to get the best student loan consolidation rate and plan for your financial needs. If you are tired of too many bills and monthly due dates, it just might be time to find the best student loan consolidation rate and plan that you can qualify for.
What Is The Idea Behind Student Loan Consolidation?
When a student first applied for several student loans from several different agencies and student loan providers, they each gave a different interest rate and term for paying back the loans. The idea of student loan consolidation, is to take all the different student loans and put them into one easy convenient loan. You then only have to make one monthly loan payment every month, instead of several loan payments every month over time. This saves the student both time and money. Having a lower interest rate and less checks to write every month are a couple of advantages of doing a student loan consolidation.
Credit Check Before You Get Student Loan Consolidation Rates And Payment Plans
The most obvious way to get the best student loan consolidation rates and payments, is by having great credit. Its easy to get great student loan consolidation plans with a credit score, also known as FICO, over 660. But, there are several ways to get the best student loan consolidation rates and payment plans.
You can do a simple online search on FICO and credit scores to find the information you need to check out your credit score. Knowing your credit information should be your first step to getting the best student loan consolidation rates. With knowledge, you will get the best student loan consolidation rates for your financial and credit situation.
Student loan consolidation rates and plans can vary from person to person. The loan rates offered will be based on your financial situation and credit. With a FICO credit score under 600, it can be a challenge to get a good student loan consolidation rate and plan in most cases.
7 Aspects To Consider With Student Loan Consolidation Plans
1. Lower Monthly Payments. Depending on your student loan situation and the type of lender you choose, you may be able to lower your monthly payments by up to 50%
2. Having Simple Loan Payments. By consolidating your student loans, you only have one loan payment per month and one check to write. This is very beneficial if you are writing several checks every month to multiple lenders.
3. Having Fixed Interest Rates. With some federal consolidation loans you can have a fixed rate for the life of your student loan. Its best to do research to see what the best interest rates and term you are eligible for. You can check online to calculate the interest rate on a new student consolidation loan based on the rates of your current student loans. You can then round up to the nearest 1/8th of a percent of the weighted average of the interest rates on your eligible student loans.
Are you eligible for payday loans (Page 1 of 2)
If you are in search for short term loans to cover up monthly expenses, payday loans are there to meet your emergency financial crisis situation. Payday loans are the short duration loans that have to be repaid by the borrower within the consequent payday. Basically these loans are borrowed for covering up of the every day expenses.
The payday loans are also referred to as cash advances. The main aim of these loans is to provide immediate financial support to the person who has an urgent need for cash but do not have sufficient amount of money to fulfil the needs. Since these are short term loans, the person who borrows it does not require paying back the loans in instalments each month that can be even stressful for them.
One can easily avail these short term loans online with the providers offering payday loans. The online availability of payday loans has made it easier for the borrowers to get instant payday loans. All you require is to fill a form as an application for the payday loan. The payday loan amount is paid once the procedures are completed and that amount has to be repaid by the next paycheck day.
Though these loans might simple to avail, there are certain eligibility criterions that need to be fulfilled. The eligibility criterion is basically because the lenders do not have faith whether the borrowers or the customers have the ability to fulfil the requirements or not.
As compared to the procedure followed by the other loans, it is easy to be eligible for the payday loans. The payday loan lenders have to fulfil five basic requirements for being eligible for the payday loans. First of all it is essential that the person who is applying for the payday loans must be 18 years and above. Being a citizen of the country where the person is applying for the payday loan is also one of the essential requirements along with the permanent occupation as well as evidence that can prove the same.
Other than this having a stable and balanced income is also one of the necessities. Lastly, having an active and valid account is a must for the borrower taking loan from the creditor. The lender might also ask the person to show the bank statements so that the financial status can be analysed to get the loan cleared and sanctioned.
The residence proof that is given also has the date of birth proof along with the other proofs that can enable the creditor to have all the necessary details for considering them eligible for the payday loans. For showing the active bank account, a statement of the money that is there in the bank can be simply shown to the creditor.
One of the major advantages of payday loans is that the credit account is not considered while approving the loan that can make it easier for the borrower to opt for the payday loans even with bad credit score. If you are in search for short term loans to cover up monthly expenses, payday loans are there to meet your emergency financial crisis situation. Payday loans are the short duration loans that have to be repaid by the borrower within the consequent payday. Basically these loans are borrowed for covering up of the every day expenses.