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Lawyer Direct Loan Servicing vs Insurance

all about insurance, lawyer so are U Binyun... ???

Updated: 2014-10-05T09:52:27.970+07:00


protection on roads


Big safety gains for small cars As gas prices lead buyers to smaller vehicles, safety concerns arise again Christine Tierney / The Detroit News As soaring gas prices push consumers to consider buying smaller and more fuel-efficient vehicles, questions about whether small cars offer enough protection on roads filled with large vehicles are cropping up once again. But in the years since the last oil shock, automakers have worked to make small cars safer than ever. Their occupants still aren't as protected as those in many larger vehicles, but the latest statistics show small cars have made big gains in safety. Automakers are equipping them with more protective features, such as side air bags. They are redesigning them to disperse energy generated by a crash away from the passenger compartment. And they are using more new materials, such as high-strength steel, to reinforce the sides.As a result, the death rate for drivers of the smallest cars dropped to 106 per million registered vehicles in 2006 from 165 a decade earlier, according to the Insurance Institute for Highway Safety. That means the smallest cars are now safer than small pickups, a category with 116 fatalities per million vehicles. Death rates in the small car category are on par with fatalities among large pickup drivers. Still, the driver death rate for very small cars is significantly higher than fatality rates for drivers of vehicles in the safest categories -- the largest sedans, with 41 deaths per million vehicles, and the biggest SUVs, with 33 deaths. "There's an advantage to being larger and heavier," said Adrian Lund, president of Arlington, Va.-based Insurance Institute, an organization funded by auto insurers. "Those are the laws of physics, and they still hold." While today's small cars are safer than earlier models, he said, "the risk of dying in the smallest car relative to the largest car is still 2-to-1." According to the latest figures, 32,092 vehicle occupants died in U.S. road accidents in 2006, most of them drivers. To reduce the risks for small car occupants, automakers are pursuing several approaches. One is to design all vehicles so that they are aligned if they hit each other, avoiding the horrible situations that occurred when trucks literally drove over compacts. The National Highway Traffic Safety Administration has encouraged efforts to increase so-called vehicle compatibility because of the surge in recent years in the numbers of light trucks on the road. After automakers started redesigning truck and SUV fronts in 2005, lowering them in some cases, fatality rates for car occupants in collisions with trucks fell substantially, according to NHTSA. Automakers also are equipping vehicles with electronic crash-avoidance systems that can detect an impending collision and take protective measures, such as braking or tightening the seat belts. Many luxury models have such systems, which tend to trickle down the range of vehicles, appearing initially in the largest and most expensive models and eventually reaching the smallest. In late 2003, Honda Motor Co. established a "safety for everyone" policy promising a core set of protective features in all its vehicles. "The thinking was, everyone deserves safety regardless of the size or price of the vehicle," said John Mendel, executive vice president at American Honda Motor. "Today, when you're looking at consumers coming out of larger vehicles looking for fuel economy, it adds a level of reinforcement that they're not compromising," he said. In May, when software specialist Jim Kurtz started shopping for a car for his 16-year-old daughter, he wanted something that would be safe as well as fuel-efficient. Early this month, he settled on a $16,154 Honda Fit subcompact. "It had all the safety equipment I was looking for -- not just front, but also side- and side-curtain air bags," said Kurtz, a Baltimore-area resident. "All this and ABS (anti-lock braking) are standard on the Fit." Honda is running short of Fits because of a dramatic shift in demand toward smaller, more fuel-efficient[...]

International Lawyers


International Lawyers

By WORLDLawDirect (image)

Need help? Review common international legal problems and solutions on our site, or click "Ask Our Lawyers" above. Our international lawyers are always available for you.

We provide international law and business solutions for the U.S., Europe, China, Russia and more than 26 other countries: human rights, war, treaties, trading, globalization, tourism, outsourcing, international contracts, global finance, and general international business.

Whatever your question this week, our international lawyers have had the answer:

Global business advice, Russian law, international divorce, travel and tourism issues, legal forms, Swiss law and banking issues, Chinese business law, international immigration law, international adoption, Ukrainian law, Canadian law, globalization, law of Mexico, doing business in China, international child custody and adoption, letters of credit, Chinese manufacturers, travel visas, contracts, legal advice internationally, Chinese customs issues, European law, outsourcing issues, contracts with companies in India and China, Indian business and family law, international debt collection, international family law, international lawyers for small businesses, private detective services in the U.S. and internationally, customs, VAT issues, visas to Canada, English law and hundreds of other issues. You name it; it's here or we'll answer it!

Accreditation Service for International Colleges - ASIC


Accreditation Service for International Colleges - ASIC has especially commended West End College London on the following areas: Well maintained premises and well qualified & experienced staffThe teaching is well planned, involves a range of approaches, and uses support resources and high quality handouts.Good general support for students, and its creation of a student-centred cultureLevel of staff commitment, and their support for students’ academic development Accessibility of all staff outside of formal classes, which is much appreciated by the studentsThe extensive use of schemes of work and lesson planningThe students’ appreciation of the benefits of small classes where they receive much personal attentionThe college offers a meet and greet service as well as help in finding accommodation and students confirmed that they had benefitted from an effective welfare serviceThe college has an ethics policy which is implemented by its own staff and by its education representatives and agentsAt West End College London there is a good system in place for monitoring coursework assignments and tracking progressWest End College London (WECL) located in the heart of London city has been delivering high quality academic and vocational courses since last few years. WECL offers a range of under graduate, post graduate and professional courses, especially in the fields of Business Administration, Computer Science, Accounting and Law. The college attracts students of all ages and ethnic backgrounds who benefit from the high quality teaching & learning offered by qualified and experienced teaching staff. WECL educational environment is enriched by its international and multi-cultural ethos. WECL study programmes are designed to develop high caliber personnel and are a direct response to the needs of the contemporary and increasingly technical world. An overview of the WECL prospectus illustrates the range of programmes that WECL offers in its pursuit of providing quality theoretical and practical education, high skill and technical development of students. Study courses are lead by experienced professionals and specialists who work to nurture the development of general and specific talents of students. Amongst other objectives, WECL programmes intend to equip students academically and experientially with paradigms that would enhance future leadership structures. The college offers state of the art resources to assist students in their learning experience; this includes an extensive information technology laboratory, a library and other reprographic facilities. In meeting the academic needs of its constituents, the college gives the highest priority for resource allocation to provide undergraduate education and for the development of areas that represent the traditional strengths, qualities, reputation, and uniqueness of WECL. The overall aim of the college is to ensure that through high quality teaching and learning students gain the qualifications, broad knowledge, skills and experience to allow them to participate in a competitive global economy.[...]

Car Insurance Shopping Tips


Why Wait to Save on Car Insurance? With car insurance, you don't have to wait for the new year to begin saving. In today's economy, trimming your household budget might be one of your New Year's resolutions. And you wouldn't be alone: According to a recent survey, 65 percent of people say they resolve to save money in 2009. Why? Not surprisingly, the majority (67 percent) say it's due to the unstable economy. Why Wait to Save on Car Insurance? Luckily, shopping around for car insurance is one way you can save big bucks. With this in mind, follow these six tips to help you manage your car insurance costs in the new year: Shop around. Rates can vary greatly from company to company, so shop around to find the best deal. Independent insurance agents represent more than one insurance company, so they can compare multiple policies and rates to find the one that's right for you. If you're a do-it-yourselfer, Web sites like will help you compare its rates with those from other companies. And switching can pay off. For instance, people who switched to Progressive last year saved more than $350 on their annual premium.Check to make sure your policy is up to date. If you've moved, gotten married or if it has been at least three years since your last driving violation, check with your insurance company. You may be eligible for lower rates.Know before you buy. Before you buy a new car, research what it will cost to insure. Generally, smaller cars with lower horsepower are less expensive to insure.Check coverages. Owners of older or inexpensive cars should consider dropping Comprehensive and Collision coverages. Doing that can save hundreds of dollars each year. Also, many auto insurers give you the option to add rental coverage to your policy, which pays for a rental car while your vehicle is being repaired following an accident. While conditions and costs vary from company to company, it may be unnecessary if you can find other transportation. The same goes for options like Roadside Assistance coverage; if you have AAA or a lease agreement, you likely don't need it on your auto policy. Raise your deductible. According to the Insurance Information Institute, raising your deductible to $500 could reduce your Collision and Comprehensive costs by 15 to 30 percent. Check for available discounts. Ask your carrier if it offers reduced premiums for certain car features like anti-lock brakes. You might also be eligible for discounts if you pay in full, are a loyal customer, sign up for paperless billing, list another car on your policy and more. News Esurance Ranked #1Auto Insurance Web Sitefor Consumer ExperienceChange Sciences - Oct. 2008Once again, Esurance has received top honors fromChange Sciences, a leading Web usability analysis firm. According to a report released by the group in October 2008, Esurance had the most usable, informative, and persuasive rate quote process. Of the 19 leading auto insurance companies evaluated, Esurance's Web site required visitors to enter the least amount of information to get an accurate quote, and also led the pack when it came to the ability to purchase an auto insurance policy onlineLoan/Lease Payoff Coverage FAQs Savvy consumers know it pays to do the legwork and shop around for car insurance. Considering prices for a six-month policy can vary greatly between companies, why not take the time to compare rates for several companies? To help you in your quest for car insurance, we've compiled a few tips that can help you save money and make the right choices for your situation. Before you get started, review your insurance coverages and keep your auto policy on hand to make fair comparisons to your current coverage. Then start shopping. Visit insurance Web sites and insurance agents/brokers and get quotes. Following are a few more shopping tips. Learn the Lingo Do you know whether or not you need PIP coverage? Can you explain BI or PD coverage? Before [...]

Progressive Direct® in most states and situations


Learn more about comparison rates, which are available from Progressive Direct® in most states and situations. Auto insurance prices and products are different when purchased directly from Progressive or through agents/brokers. Rate comparisons provided here are based on our Progressive Direct auto insurance product and Progressive Direct's credit evaluation. Consumers can select a different credit evaluation when they obtain competitor rates through our comparison rate service.

research about student loans


Financial Aid Basics #fullpost{display:none;} As I undergone a lot of research about student loans, one of the most useful information that students should know today is about how to get financial support in college. As I learned, many are not aware about this. Some are aware but are not familiar with how the process goes. This pushes to have this to give some clear options and ways. Here is the information I get from a great site.STEP 1: Free Application for Federal Student Aid (FAFSA)The primary form necessary to qualify for federal student aid is the Free Application for Federal Student Aid (FAFSA). Pell and FSEOG Grants, Perkins Loans, Stafford Loans, PLUS Loans (at many schools), and Federal Work-Study all require a FAFSA filing for eligibility. The FAFSA examines a family's financial situation and qualifies students for aid based on U.S. Department of Education guidelines. The FAFSA is completed at the end of each calendar year for the coming academic year (generally from the late summer of one year to the late spring of the next). It may not be submitted until January 1 of the new academic year. For example, for the 2003-04 school year, a FAFSA may not be submitted until January 1, 2003. It is always recommended that a family file the FAFSA as quickly as possible.Following the submission of the FAFSA, the government will submit a Student Aid Report (SAR) detailing the financial aid for which the family is eligible. The SAR usually arrives four to eight weeks after the government receives the FAFSA. Copies of it can be sent to the school(s) to which the student has applied to be admitted (request this when filing the FAFSA). If your SAR fails to arrive within four weeks, or if you need another copy, contact Federal Student Aid Programs at 319-337-5665.STEP 2: Search for ScholarshipsWhile awaiting results, a student can look for scholarships (often called Fellowships For Graduate Study). The search can begin as early as a family wishes, but awards begin to be finalized in the spring preceding the start of the academic year. You can search for scholarships on STEP 3: Investigating LoansWhile it is the hope of every family to be able to cover the entire cost of education with grants and scholarships ("free money"), the unfortunate reality is that most families will have to borrow or use their assets to fund higher education. The rule of thumb for families is grab all the "free money" available, and then borrow wisely. The three federal loan programs are often a great way to borrow wisely. Although there are alternatives, these programs offer the best terms and easiest qualification for most families. Perkins LoanThe Perkins Loan is the most affordable federal loan since it has the lowest interest rate (5%) and fees. However, the Perkins Loan is only available to families based on need; so if the government doesn't offer it on the SAR, you can't get it. It also has a $4,000 limit and is borrowed in the student's name without respect to credit worthiness. Stafford Loan The Stafford Loan is also borrowed in the student's name. A dependent undergraduate student can borrow $2,625 for the first year; as a sophomore $3,500; and as a junior or senior $5,500. Independent undergraduate students receive additional eligibility for $4,000 for the first two years and $5,000 for the last two. The interest rate is variable yearly and capped at 8.25% -- lower than the PLUS Loan (below) but higher than the Perkins Loan. Some of the interest may be subsidized by the Federal Government for those who qualify. As with the Perkins Loan, credit worthiness is not an issue. Plus LoanThe Parent Loan for Undergraduate Students (PLUS) is a loan for parents of dependent undergraduate students. It has a slightly higher interest rate than the Stafford Loan, but is only limited in amount by the cost of education not already covered by other forms of aid. For instance, if the cost of educat[...]

lawyer or insurance


I think SUMO my choice ... keep $mile :)

Insurance or assurance


(image) Insurance vs. assurance

Outside the US , the specific uses of the terms "insurance" and "assurance" are sometimes confused. In general, in these jurisdictions

"insurance" refers to providing cover for an event that might happen (fire, theft, flood, etc.), while

"assurance" is the provision of cover for an event that is certain to happen.

spending money on insurance



Many people feel like spending money on insurance is a waste but if you find yourself in a situation where you stuff is damaged or stolen then it is just pennies because the cost to replace those items will be much higher than what the insurance is going to cost you.

You may want to also talk with an agent and ask them about the different policies and coverage that you can get. If you decide to still search online for the best price it is a good idea to get informed before you make a purchase.

compare car or life insurance quotes


what do u thing ...

It is very difficult in this day and age to find time to compare car or life insurance quotes due to the large amount of false advertising in the insurance world. Choose the right insurance policy is the best in our life.=)

loan terms


Do I understand the loan terms?

· Before borrowing, you should know exactly what you're getting and what you're paying. Never be afraid to ask the lender to explain any fees, terms or conditions you don't understand. And never sign a blank form.
· Make sure what you sign is what you agreed to verbally. Don't sign any contract that does not agree with what the salesperson presented.


· Ask yourself if prepaying for credit life insurance is the best way for you to go. It will protect your family by paying off the loan if you get sick or die. But paying it up-front can add to the monthly cost of your loan.
· Think twice about a loan that has a large amount due at the end of the scheduled payments. This
one final, or "balloon," payment could be beyond your ability to repay.
· Watch out for lenders who tell you not to worry if you find you can't pay your mortgage—they'll help
you refinance your loan if you need to. Predatory lenders make money from the high fees and
closing costs they'll charge you to refinance the loan they knew you couldn't afford to repay in the
first place.
· Never sign a loan contract until you have all the facts—and understand every part of what you're
signing. Ask for advice from someone you trust: a banker, an accountant or a family member or
friend who has had experience with getting and paying back loans. Or call a local nonprofit credit
counseling agency for free help (you'll find them in the Yellow Pages).
· Remember that you have the legal right to change your mind for any reason within three days of
signing most loan contracts that use your home as the security.

Loan terms


Do I understand the loan terms?

· Before borrowing, you should know exactly what you're getting and what you're paying. Never be afraid to ask the lender to explain any fees, terms or conditions you don't understand. And never sign a blank form.
· Make sure what you sign is what you agreed to verbally. Don't sign any contract that does not agree with what the salesperson presented.


· Ask yourself if prepaying for credit life insurance is the best way for you to go. It will protect your family by paying off the loan if you get sick or die. But paying it up-front can add to the monthly cost of your loan.
· Think twice about a loan that has a large amount due at the end of the scheduled payments. This
one final, or "balloon," payment could be beyond your ability to repay.
· Watch out for lenders who tell you not to worry if you find you can't pay your mortgage—they'll help
you refinance your loan if you need to. Predatory lenders make money from the high fees and
closing costs they'll charge you to refinance the loan they knew you couldn't afford to repay in the
first place.
· Never sign a loan contract until you have all the facts—and understand every part of what you're
signing. Ask for advice from someone you trust: a banker, an accountant or a family member or
friend who has had experience with getting and paying back loans. Or call a local nonprofit credit
counseling agency for free help (you'll find them in the Yellow Pages).
· Remember that you have the legal right to change your mind for any reason within three days of
signing most loan contracts that use your home as the security.

Insurance for Homeowners


Insurance Tips for Homeowners

(image) You've unpacked your things and settled into your new home. But have you thought about how this will affect your insurance needs? Buying a home involves more than just making sure you have homeowners insurance coverage. If you've recently purchased a home, here are some types of insurance that may be impacted by your recent move.

Homeowners insurance

If you have a mortgage, your lender probably required you to obtain some level of homeowners insurance coverage. However, you'll want to make sure that the amount of coverage that you have will adequately protect you for all possible losses. Homeowners policies set coverage limits for specific items (e.g., jewelry), so you may want to look into purchasing a separate endorsement or a floater if you feel that you need to increase your coverage. You also need to know if you have "replacement cost" coverage on your personal property and if you are covered for earthquake damage.

Flood insurance

Homeowners insurance does not provide coverage for flood damage. But those living on a riverbank or near the ocean are not the only ones who warrant flood protection. Even if you live in a low-lying area (e.g., near a creek), you may want to look into purchasing flood insurance. Most companies that sell homeowners insurance also sell flood insurance, so try contacting your own insurance company for more information.

Auto insurance

If you think that there is no connection between buying a home and auto insurance, think again. If you're ever in an auto accident that is the result of your negligence, all of your assets (including your home) could be subject to liability claims if the claims exceed the liability limits of your auto insurance policy. So, you should re-evaluate the existing liability limits on your auto insurance policy to make sure that you have adequate coverage to protect your home. If you feel that you need even more coverage, you may want to look into purchasing a separate umbrella liability policy, which would pay for damages that exceed the coverage limits on your auto and/or homeowners insurance policy.

Disability insurance

Would you be able to make your monthly mortgage payments if you were unable to work due to an accident or illness? A disability insurance policy will pay you a monthly benefit to replace a portion of your income until you are able to work again. Many employers provide disability insurance for their employees. If your employer does not offer disability insurance or if you are self-employed, you can purchase an individual disability policy.

Life insurance

What if you were to die before your mortgage was paid off? Would your family be able to keep up with the remaining mortgage payments? Life insurance can provide your family with the funds to pay off their debts, as well as replace a portion of your income. While many employers offer some level of life insurance coverage to their employees, this amount of coverage may not be enough to provide financial security to your family. So, you may want to consult an insurance professional to help you assess your family's life insurance needs.

Usage-Based Car Insurance


Usage-Based Car Insurance - The Freedom to Choose in California (and elsewhere) The next big thing in car insurance could be a small device placed in your vehicle that tracks your driving habits and determines just how safe a driver you are. In California, usage-based insurance savings could be worth an average of $276 per vehicle for the majority of state households (according to a report by the Brookings Institution) but many are concerned about the potential loss of privacy. li { margin:0px; } How Does it Work?Proposition 103 requires insurers to set their insurance rates based upon specific factors, including the number of miles driven each year. Assembly Bill 2800, which passed in the California Senate Appropriations Committee, allows insurers to more accurately base premiums using mileage information. Consumer advocacy group Consumer Watchdog expressed concerns around the bill, stating that the bill "...would force drivers to choose between fair insurance rates and protecting their privacy." However, Insurance Commissioner Steve Poizner, proposed a plan with three options for reporting mileage: with electronic monitoring of mileagesubmission of maintenance records orhaving regular odometer checks by insurance company representatives. Poizner's proposal would maintain the incentive of usage-based insurance while giving consumers more freedom to choose exactly how the information would be gathered. The Company LineThe LA Times reported that most insurance companies were generally in favor of the plan. Annual mileage is an important factor in setting insurance premiums: fewer miles driven means fewer accidents and lower rates. Insurance companies are also intrigued by the fascinating—and potentially disturbing—additional information that some of the electronic monitoring devices can report, helping those companies determine which drivers are more likely to have accidents—and who should pay more for insurance. A Real World Example—MyRate(sm) by ProgressiveProgressive's MyRate(sm) program is a usage-based insurance program that uses an installed device similar to that of the usage-based proposal, though their device and program are more sophisticated. Their device uses cell phone technology to call a central computer to report driving information to the company. It's being tested in several states before a national rollout, once regulatory approval is attained. Richard Hutchinson, Progressive's MyRate(sm) General Manager, said that the program was designed "...primarily for lower-risk drivers who are consistent and safe. They drive at low risk times of day and they keep alert for others on the road. They don't make fast lane changes or follow too closely behind other drivers so they don't have to over-react or slam on the brakes." While the MyRate(sm) program differs from the California proposal in that it tracks more than just mileage, these additional factors relating to the driver's behavior are reported back to the insurance company and are part of an overall assessment and combine to either lower rates—or raise them. Winners and LosersUsage-based car insurance is best suited for low-mileage drivers. If you drive more miles than you have reported to your company in the past, you may find your premiums increasing, regardless of your driving habits. Currently rates are based on the information actually reported to the companies by the drivers. Most drivers estimate annual mileage, and few realize that there may already be potential discounts available if they drive less than 10,000 miles each year. Sometimes these potential savings don't come up until drivers compare rates between auto insurance companies. Save Money, Save the World?Environme[...]

auto insurance


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DWI lawyer Steve Hamilton


My friend and Lubbock DWI lawyer Steve Hamilton on a recent Q&A in a DWI voir dire:

So in this trial I asked the potential jurors about a hypothetical. What would you do if you only had one option, either convict an innocent person or set a guilty person free? Out of 20 people, 7 or 8 said they would actually convict an innocent person!!

I was actually somewhat shocked with the amount of people who said they would send an innocent person to prison. One person said he would do that and that he hoped he would be the person who was sent to prison to protect society.

I bet it’s a lot easier for that potential juror to say he’d be A-OK with being toted off to jail or prison for something he didn’t do… when he’s not the one that is being accused

The Innocent and the Guilty


The Innocent and the Guilty

Received a big box at work today and didn’t have the faintest idea what it could be. Since it was addressed to me, I opened it up, and tada… two bottles of wine.

It was a thoughtful gift from Houston DWI lawyer Mark Bennett. I had done some local co-counseling of a DWI/POM case here in Austin for a client he was representing. Mark did all the heavy lifting; I just went along for the ride.

Of course, Mark didn’t just send me any 2 bottles. They were from an Australian vineyard and named “The Guilty” and “The Innocent”. I read the label of “The Innocent” first:

The Innocent is produced from a single vineyard. Due to its limited production only a lucky few will ever get to taste it.

Aha. Clever commentary on the sometimes overwhelming and unfair advantage the State brings to bear on those it chooses to criminally accuse? Expecting something equally clever, I read the other label.

Apparently only the “lucky few” will get to taste that one too.

As for Mark's case? Well, the only disappointment was that after several settings on the jury docket the State eventually offered his client a deal that was too good to refuse: dismiss the DWI outright, plead to a lesser offense, no conviction (12.45) for the marijuana, and backtime credit, no probation, no community service, etc.

school loan info


Student loans have a way of taking over a borrower’s life. The longer you study, the more complex and increased the loans can become. A good way to get a handle on those loans and take control of your financial future is through a school loan consolidation program. Note: find school loan info for new school loans

For all intent and purposes, school loan consolidation programs are beneficial all the way around. Consolidation can reduce your monthly payments and streamline the repayment process. Once your student loans are consolidated, you no longer have to fret over numerous payments with different due dates. When consolidating, you can also capture your debt into a fixed interest rate that is usually smaller then what your original loans were financed at. Read more about consolidating school loans...

consolidating Federal student loans


TIPTIPS : When consolidating Federal student loans, such as Stafford, try the direct federal consolidation program from the Government. their site is ed.GOV, or see the link on the right.

TITIPSP: Private school loan consolidation is different than federal as private loans are credit based while federal are not. Applicants should take their time and review their application and it's terms and conditions carefully.

TITIPSP: Consolidating school loans during your grace period may qualify you for an interest rate deduction. On July 1 of each year rates traditionally change.




school loan consolidation