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About a year ago, I posted a general description of how to make your own laundry detergent that proved quite popular. That article basically described in a general sense how one could make laundry detergent at home very cheaply, but it left out a lot of key issues: does it work well? What does it look like as you are making it? What are the real-world costs and time investment?
We currently have five people living at our home. Let’s say, hypothetically, we all change clothes twice a day (it’s often more than that due to the nonstop accidents, spills, and other things that go on in such a household). That’s ten outfits’ worth of clothes to wash each and every day.
Photo by Erin Zipper. Ah, dollar stores. We confess to dropping in occasionally for toilet paper and shower-curtain liners, but tend to view other items warily. Will cut-rate toothpaste lead to a root canal?
Until recently, banks and other private lenders have made it hard for anyone to shop for college loans, in some cases because they didn’t want to compete by cutting profit margins. But several web entrepreneurs and state agencies have developed new tools to help students and parents find private loans that, in June of 2010, charged as little as 1.78 percent in interest. [Read 7 Ways Private Student Loans Are Getting Better ] Before shopping for private loans, students and parents should first apply for federal student aid, including low-cost government loans, lenders say. (First step: fill out a Free Application for Federal Student Aid .)
Posted on August 06, 2010 by Doug Schantz Tags: Direct Lending , Education Loans , Paying For College Did you get your student loan yet this year? If you did and it was a federally backed student loan, then you probably are very familiar with StudentLoans.gov .
This Loan Payment Calculator computes an estimate of the size of your monthly loan payments and the annual salary required to manage them without too much financial difficulty. This loan calculator can be used with Federal education loans (Stafford, Perkins and PLUS) and most private student loans. (This student loan calculator can also be used as an auto loan calculator or to calculate your mortgage payments.) This loan calculator assumes that the interest rate remains constant throughout the life of the loan.
October 4, 2006 Project on Student Debt The best way to compare prices on a student loan is to match up the interest rates with all other factors held equal. But when lenders offer different types of discounts at different points in the repayment process, comparisons aren’t easy. How do you compare a fee reduction with a lower interest rate? What about an interest rate reduction that doesn’t kick in until the fifth year of the loan?
Private student loans can be helpful or they can drown you in debt. To steer clear of trouble, be aware of your options and take the following steps. 1. Complete the FAFSA. That's the free application for federal student aid, including grants and low-cost loans. "Federal loan programs will be more advantageous," says Dallas Martin, president of National Association of Student Financial Aid Administrators.
Posted on July 08, 2010 by Doug Schantz Tags: Direct Lending , Education Loans , Federal Loans I need to preface this article by stating that I would never recommend a private education loan to cover your college expenses. That being said, if you have exhausted all of your other options available through the federal loan program (including Parent PLUS) , maximized all your scholarship opportunities , and hit up your network of friends and family for financial support , then it is probably time for you to look at a private education loan. Many of the banks that used to be in the private eduction loan market have long since dropped off of the charts and no longer actively participate in providing loans to students. Key Bank is one of the more recent ones that quickly comes to mind as leaving the educational loan sector.
(MoneyWatch) If you have to borrow for college, the best college loans are the ones available through the federal government, which provide the same student loan rates and terms for everyone. If you are interested in pursuing private college loans , you need to proceed carefully. Here are seven things you need to know when shopping for private loans. 1. Turn to credit unions.
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By Reyna Gobel How to pay for college is as complicated and important a decision as which college to choose, what to major in and whether to live on or off campus. Because if you don't have (or know where to get) at least $20,000 to go to a state college for four years, your college dreams will be shattered before you even set foot on campus for orientation. Student loans bridge the gap between what you and/or your parents have saved for your education, the scholarships you receive and the part-time work you expect to acquire to complete the puzzle.
Everyone has a hard time when thinking about what desired income they should put on their new job application. Most job seekers want more than what they were making at their last job, but don't want to risk blowing their chances of getting an interview by asking for too much. With some companies there is an actual RIGH T answer.
Interested in getting paid to take surveys, but not sure which companies you can trust? Here are the ones that I recommend (and use): 1. Harris Polls Harris is the Cadillac of survey sites.
How Paid Surveys Work: The paid survey process is fairly straightforward. You sign up with a paid survey site, and complete a member profile. Then, they send you an e-mail any time they have a survey that matches your profile.