Predatory lending refers to the practice of supplying loans at higher than average interest rates to individuals. This term is mostly applied to home loans or people hoping to refinance home loans, but the term may also apply to home improvement, educational, automobile, and other types of loans. Aspects of predatory lending are illegal under […]
As one of the largest American retail lenders, Chase Bank issues many thousands of private student loans each year. In fact, the company is regarded as a "lender of last resort" for cash-strapped students and parents who exhaust their federally-backed student loan options. If you attend an expensive private institution or aren't eligible to receive […]
If you're a "career" member of the Armed Forces, you're entitled to several unique benefits. If you serve in active combat, you're likely to receive substantial financial assistance for any educational endeavors that you undertake in the future. You're also entitled to a robust program of health insurance. If you're married and have children, it's […]
If you’re like most folks, you chose to finance your education with a combination of out-of-pocket outlays and federally-backed student loans. Depending upon your institution’s tuition costs, you may have accumulated a sizable load of student loans. In fact, your burden could be interfering with your post-graduation lifestyle. If your mounting interest and principal payments […]
If you're a sole proprietor, you probably write off hundreds or even thousands of dollars in business-related expenses each year. As a business owner, you're eligible for many tax breaks that regular taxpayers can't claim. When times are tough, these breaks can provide a much-need boost to your income and allow you to make essential […]
As an 18-year-old driver, you're probably frustrated by the expensive auto insurance quotes that you've been receiving. While the exact cost of your auto insurance policy will depend upon a wide range of factors, you'll be unlikely to find coverage for less than $100 per month. As an 18-year-old male, you present a significant statistical […]
Geico Insurance operates in a "gray zone" between full-service auto insurance providers like State Farm and cut-rate providers like The General. The company touts its reputation for providing low-cost auto insurance policies that offer solid coverages. More importantly, it emphasizes that it has the ability to handle complex claims and provide favorable outcomes during disputes […]
As a current college student, you're probably financing part or all of your tuition expenses with student loans. After all, tuition costs at public universities have more than doubled during the past decade. At private institutions, the situation is downright untenable: Some private schools have more than tripled their tuition costs and slashed their financial […]
If you're struggling to keep track of your outstanding student loans, you're not alone. Whether you're a current student who worries about your ability to repay your obligations in the future or an underemployed recent graduate, you're in the company of millions of cash-strapped young people. You can probably think of a dozen good reasons […]
If you're like most American drivers, you're desperate to find a way to lower your car insurance costs. Although the problem of auto insurance inflation isn't as serious as the issue of health insurance inflation, it's a real concern that many drivers would like to see addressed in the near future. With many drivers seeing […]
If you're like most people, your mortgage is likely to be the largest loan that you ever float. Unless you take out a sizable loan to open your own business or finance a private-school education with student loans, it's unlikely that any of your other loans will even approach the size of your mortgage. If […]
Every year, the credit scores of thousands of college graduates suffer at the hands of their defaulted student loans. Despite relatively low interest rates and numerous payment-protection safeguards, a significant proportion of each year's graduating class struggles with serious debt-related problems. The student loan crisis is even worse for non-graduating students. Those who drop out […]
Despite the dire pronouncements that you may have heard from your lender, you can recover from a student loan default with relative ease. First, you'll need to avoid blaming yourself for your financial predicament. Every year, many thousands of American students and graduates find themselves in default through no fault of their own. A poor […]
The process of procuring a student loan can be time-consuming and complicated. Before you can apply for one of these loans, you’ll need to fill out the Federal Application for Student Aid. Known as “FAFSA,” this document will help your educational institution determine the exact amount of financial aid for which you’re eligible. The means […]
As a college student, you have a tremendous opportunity to secure low-interest cash infusions. Most other people could only dream of having access to the wealth of high-quality, low-interest funding that students can tap. As the number and type of available student loans has grown in recent years, so too have the opportunities for young […]
The rules that govern your student loans and financial aid awards may seem opaque and even contradictory. Although there is a general legal framework that covers the disbursement and repayment of student loans, individual schools and lenders often enact their own policies and protocols on top of it. If you've attended multiple educational institutions or […]
If you're like millions of American college students, you're using multiple loans to finance your education. Each semester, you probably take out several federally-backed loans in order to offset your ever-rising tuition costs. After tapping federal grants worth over $5,000 per semester and additional credit facilities like Stafford and Parent PLUS loans, you could be […]
Regardless of where you live, filing income taxes can be tricky. In addition to the federal return that virtually every American worker must file, you'll probably be responsible for filing a tax return in your home state as well. There are only seven states that don't currently impose income taxes on their citizens. These are […]
In the United States, the cost of higher education is rising at an unsustainable rate. Even once-affordable public institutions and community colleges are increasing their tuition, board and student fees at 5 to 10 percent per year. At private colleges, the problem is far worse. Some elite private schools now charge undergraduate students over $50,000 […]
Like airlines and rental car companies, car insurance companies are prone to changing the cost and terms of their services without warning. This is understandable: Car insurance policies are subject to dozens of disparate factors that combine to create a unique profile for each covered driver. In the eyes of American auto insurers, very few […]
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