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Loan Consolidation 101: Tips For New Graduates
Posted by nick_niesen on November 8th Wholesale Nike Shoes Online , 2010


With college graduation ceremonies taking place this spring, how can students get off to a good start when it comes to managing their student loan repayments?


Loan consolidation is one option. A Federal Consolidation Loan combines all eligible loans into a single, new, federally guaranteed loan that has a longer repayment term, a fixed interest rate that cannot exceed 8.25 percent and the convenience of one monthly payment. Most important Wholesale Nike Shoes Free Shipping , borrowers who apply for a Federal Consolidation Loan before July 1 can potentially lock in an interest rate as low as 4.75 percent for the duration of their repayment period, which can extend as long as 30 years.


Before consolidating, however, borrowers should carefully consider their decision, says Patricia Scherschel Wholesale Nike Shoes China , vice president of loan consolidation for Sallie Mae, the nation's leading provider of education funding and the largest consolidator of student loans. While consolidation is beneficial for most education loan borrowers, it is important that they make an educated choice, she says.


"This is the start of a long-term financial relationship with your consolidation loan provider," says Scherschel. "Make sure you take time to ask questions and get a full understanding of your interest rate and possible discounts before signing on the dotted line."


Scherschel offers the following tips for borrowers who may be exploring loan consolidation.


• Contact your college financial aid office for recommendations and information on reliable and trustworthy lenders. Because consolidation lets borrowers extend their repayment up to 30 years Wholesale Womens Nike Shoes , it is important to choose a lender with a solid reputation, industry experience, flexible repayment options and superior customer service.


• Investigate a lender's borrower benefit program. Many lenders, including Sallie Mae, will offer interest rate reductions for paying on time or using direct debit. Be sure to read the fine print of the benefit program being offered Wholesale Mens Nike Shoes , including if, when and how you qualify for the benefit, as well as how you could potentially lose it.


• Be cautious of the word "free." While lenders are not permitted to charge borrowers a fee to consolidate their loans, Consolidation Loans are not interest-free. It is important to understand all of the costs up front.


• Keep on top of deadlines. On July 1, interest rates on federally guaranteed education loans are expected to rise. Borrowers who consolidate at today's interest rates could save hundreds Wholesale Nike Shoes , even thousands, of dollars.


"Consolidation is the key to protecting yourself from an interest rate increase," Scherschel says. "After the final exams are over, current students and this spring's graduates should have a one-track mind: getting their consolidation application in before midnight on June 30."


Lee Jae-yong, the billionaire Samsung Group heir Cheap Nike Shoes Online , will stand trial Thursday in a Seoul court.

　　FILE - In this Feb. 13, 2017 file photo, Lee Jae-yong, center, vice chairman of Samsung Electronics Cheap Nike Shoes Free Shipping , arrives to be questioned as a suspect in a corruption scandal at the office of the independent counsel in Seoul.

He is charged with, among other offenses, offering bribes to President Park Geun-hye and a close friend of hers to strengthen his control over Samsung, the conglomerate founded by his grandfather that is South Korea's largest and most successful business. Four other Samsung executives will also stand trial.


Documents from special prosecutors detail allegations that Lee and his aides used Samsung corporate funds to purchase expensive horses for the equestrian daughter of Park's friend Choi Soon-sil. They also say the presidential office pressured the national pension fund to facilitate a father-to-son leadership succession at Samsung in exchange for 43.3 billion won ($38 million at current exchange rates) from Lee.


Samsung says it did not seek any favors and it denies any wrongdoing. "Future court proceedings will reveal the truth," it said in response to the documents prosecutors released Monday. Below are issues that Lee and prosecutors will be contesting at court Cheap Nike Shoes China , and Samsung's responses.


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IS LEE A BRIBERY SUSPECT OR VICTIM OF COERCION?


Prosecutors believe Lee and other Samsung executives gave or promised to give the $38 million to four entities controlled by Choi as a form of bribery. Samsung will likely contend it was coerced into giving the money.


About half of the $38 million went to two nonprofit foundations and a winter sports center under Choi's control that purport to support Korean cultural and sports activities. Samsung promised to give $19 million to the German-based sports agency that oversaw the equestrian training of Choi's daughter. Before the scandal unfolded, Samsung paid 6 million euros out of the promised amount, which in part covered the costs of the horses for Choi's daughter. Prosecutors believe that in transferring the 6 million euros to the German-based company Samsung forged documents and falsely reported to a bank that it was transferring the funds to pay for equestrian training for a Samsung Electronics corporate team. They allege the company concealed proceeds from criminal activities of bribery and embezzlement and hid assets overseas, a crime punishable by a minimum of 10 years in prison and a maximum life sentence.


Prosecutors believe that President Park was Choi's accomplice in alleged influence peddling. Park denies that. She is waiting for the Constitutional Court's ruling on whether to uphold her impeachment, which could be announced as soon as this week.


In a parliamentary hearing in December Cheap Womens Nike Shoes , Lee denied seeking any favors but did not deny transferring the money to Choi's foundations and the sports agency.


Samsung said it disagrees with the findings of the prosecutor. Cheap Jerseys China Cheap Vapormax Cheap Air Max Cheap Vapormax White Cheap Vapormax Cheap Vapormax Flyknit Cheap Air Vapormax Shoes Cheap Nike Air Max 90 Flyknit Cheap Nike Air Max 90 Kids Cheap Nike Air Max 90 Pink