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Hello world!
by Takhassus Rodja | Jan 7, 2015 | Uncategorized | 8 comments
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鈥淚t is disconcerting that graduates cross the stage with a diploma in one hand and student loan debt in the other,鈥?said Gail Cunningham, a financial expert and longtime聽spokesperson for the NFCC. 鈥淵oung professionals face a tepid job market, which could make repayment even more difficult. However, NFCC member agency certified financial counselors stand ready to help borrowers find programs that are appropriate for their budget and unique situation.鈥?
Credit Unions Offer Loans
Receiving a student loan from a local credit union can be a good option. Credit unions are often more flexible in underwriting and generally easier to deal with if you are having credit problems, said Peter Nigro, a professor of finance at the Bryant University School of Business in Smithfield, R.I. However, obtaining a loan from a large bank might be cheaper and faster, depending on the borrower鈥檚 credit history.
鈥淚f the applicant does not have a long credit history or high , credit unions are typically more flexible in underwriting since they do mainly do 鈥榬elationship鈥?lending as opposed to scored lending,鈥?he said. 鈥淭hey might be slightly easier and cheaper for the 鈥榥on-cookie cutter鈥?borrower.鈥?
Students should look for loans that don’t have extra, hidden fees or penalties for paying them off early, said Joe DePaulo, CEO of College Ave Student Loans, a Wilmington, Del. student loan marketing company and former vice president of banking and finance of .
鈥淭o compare different loans, look at the total cost, and which loan will help you pay the least overall,鈥?he said. 鈥淧ay attention to the interest rate you’re offered and look for options to lower the rate. College Ave Student Loans offers multiple repayment options with lower interest rates if you commit to in-school payments even as little as $25 each month.鈥?
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ha nice articles Pjkk3 :-)