You still want a life while paying back your student loans. Lutheran Social Services will guide you through a plan to manage your student loan debt. Presented to graduating seniors at Augustana College (SD).
we provide Federal Student Loan Consolidation,Student Loan Consolidation,Student Loan Consolidation program,Student Loan Consolidation USA,Private
Student Loan Consolidation For More Information please visit http://student-loanconsolidation.org/.
we provide Federal Student Loan Consolidation,Student Loan Consolidation,Student Loan Consolidation program,Student Loan Consolidation USA,Private
Student Loan Consolidation For More Information please visit http://student-loanconsolidation.org/.
A copy of the presentation I delivered last night at the Belledune Municipal Hall as part of our Budget Process for 2019. Please take some time to go through and if you have any additional questions feel free to share them with us.
Mark Kantrowitz on July 1, 2013 Stafford Loan Interest Rates IncreaseEdvisors
If Congress does not act, interest rates on new subsidized Stafford loans will double from 3.4% to 6.8% on July 1, 2013.
Mark Kantrowitz, nationally-recognized expert on student financial aid, scholarships and student loans, presented during a webinar for the Countil on Law in Higher Education. Here is the PowerPoint used during his presentation. Here is an article he wrote to summarize his talk: http://www.studentloannetwork.com/tips/financial-aid/will-student-loan-interest-rates-double-on-july-1/
Investing in Real Estate Module 7 of Family Financial Freedom Floyd Saunders
he seminars are available to anyone including financial planners, and other professionals in the financial services industry who would like a set of the materials, participant's workbooks or the Family Financial Freedom book (discounts for volume purchases)You can now view the presentation here, order the Family Financial Freedom book from any of the ebook sites for iPhone, iPad, Kindle, Nook, Kobo reader etc. contact me at floyd.saunders@yahoo.com for a copy of the presentation or more information on how to get seminar materials.
Planning for retirement is not as easy as it seems. Simply because you have to estimate your expenses 30 - 35 years hence in today's money. This visual presentation provides an overview of how to approach your retirement planning.
Figure 2 UK Life Success Factors and ProbabilityDowshan Humzah
Highlighting the importance of path and trajectory. This should resonate with the growing view for early intervention – especially during the years from birth to formal schooling and disruptive, targeted solutions.
A copy of the presentation I delivered last night at the Belledune Municipal Hall as part of our Budget Process for 2019. Please take some time to go through and if you have any additional questions feel free to share them with us.
Mark Kantrowitz on July 1, 2013 Stafford Loan Interest Rates IncreaseEdvisors
If Congress does not act, interest rates on new subsidized Stafford loans will double from 3.4% to 6.8% on July 1, 2013.
Mark Kantrowitz, nationally-recognized expert on student financial aid, scholarships and student loans, presented during a webinar for the Countil on Law in Higher Education. Here is the PowerPoint used during his presentation. Here is an article he wrote to summarize his talk: http://www.studentloannetwork.com/tips/financial-aid/will-student-loan-interest-rates-double-on-july-1/
Investing in Real Estate Module 7 of Family Financial Freedom Floyd Saunders
he seminars are available to anyone including financial planners, and other professionals in the financial services industry who would like a set of the materials, participant's workbooks or the Family Financial Freedom book (discounts for volume purchases)You can now view the presentation here, order the Family Financial Freedom book from any of the ebook sites for iPhone, iPad, Kindle, Nook, Kobo reader etc. contact me at floyd.saunders@yahoo.com for a copy of the presentation or more information on how to get seminar materials.
Planning for retirement is not as easy as it seems. Simply because you have to estimate your expenses 30 - 35 years hence in today's money. This visual presentation provides an overview of how to approach your retirement planning.
Figure 2 UK Life Success Factors and ProbabilityDowshan Humzah
Highlighting the importance of path and trajectory. This should resonate with the growing view for early intervention – especially during the years from birth to formal schooling and disruptive, targeted solutions.
З першої частини «Зимового птаства» дізнаємось купу нового та розвінчуємо міфи про відомих-невідомих птахів зимових садів і парків України:
Яка пташка наказує ховати сани, та діставати вози?
Який птах вважається символом наполегливої праці?
Хто з птахів може впізнати себе у дзеркалі?
Хто полюбляє зимовий яблучний десерт?
Яка пташка легко імітує голоси лісових мешканців і може навчитись розмовляти не гірше від папуг?
У якого птаха різна температура вдень і вночі?
Кого з птахів вважали лише шкідником, а він попереджає про небезпеку цілий ліс?
Але найбільший міф – це птах, якому приписують мудрість, майже нічому не вчиться за все своє життя.
How to Speed Up QFN and LGA device rework using StencilMate ProcessBob Wettermann
StencilMate™ rework process allows even the beginning repair technician to reliably and quickly replace leadless device packages such as QFNs or LGA packages. For more details visit @ Solder.net.
Learn practical skills to take control of your finances. This presentation was prepared for a statewide partnership with the SC Department of Education Adult Education Division, specifically for GED candidates.
The Ultimate Guide to Student Loan RepaymentAnik Khan
This presentation is designed for the 44M Americans with student loans. It provides a comprehensive overview of student loan repayment options from pausing payments to income-driven repayment plans and refinancing. It also demonstrates how to objectively evaluate different repayment options and gives tips on how to think about repayment in the context of other financial objectives and decisions.
A groups of presentations regarding federal loan debt, repayment, and what to do if you cannot make payments. Also includes specific information for programs at UNTHSC and their cost of attendance, disbursement and budgeting.
2. Anita Nesiba
Certified Credit Counselor
Certified Housing Counselor
Certified Student Loan Counselor
Consumer Credit Counseling Services
Lutheran Social Services
Inspired by love we care for, support and strengthen
individuals, families and communities
3. “As long as we have hope, we have direction,
the energy to move and the map to move by,
we have a hundred alternatives, a thousand
paths and an infinity of dreams.”
Author Unknown
5. The key to managing your finances is:
a) Having access to credit
b) Having a budget
c) Paying less interest
d) Making more money
6. What is the foundation of a budget:
a) Your income
b) Your debts
c) Your goals
d) Accurate number for your income and
expenses
7. If you began with a penny and doubled your
money every day, at the end of thirty days
you would have:
a) $8896
b) $83,886
c) $670,088
d) $5,368,709
8. Which of the following statements are
true:
a) After deductions you can expect to take
home 70% to 80% of your gross pay
b) After deductions you can expect to take
home 60% to 70% of your gross pay
c) After deductions you can expect to take
home 50% to 60% of your gross pay
d) After deductions you will be left with nothing
9. What are the major types of expenses:
a) Expected and Unexpected
b) Fixed, flexible and periodic
c) Taxes, education and utilities
d) Food, clothing, shelter and transportation
10. Your budget is in balance if:
a) Your expenses exceed your income
b) Your expenses are equal to or less than your
income
c) You get paid weekly
d) You get a raise
11. Beginning at the age of 18, if you saved
$3,000 a year for five years and earned a
return of 10% each year, at the age of 65
how much money would you have:
a) $55,000
b) $165,000
c) $460,000
d) Over one million dollars
12. When it comes to car insurance:
a) The higher your deductible, the higher your
premium
b) The lower your deductible, the lower your
premium
c) The higher your deductible, the lower your
premium
d) Your deductible does not affect your
premium at all
13. Budgeting
Do you currently keep track of your monthly
expenses?
Fixed, Flexible and Periodic Expenses
What are they?
Tracking, tracking, tracking!
15. Goals
• Where do you see yourself in 12 months, 5
years, possibly 10 years?
16. Considerations
1. Where do you want to live? Costs of living?
2. What type of employment are you
considering and what time frame do you
have for your goals of employment?
3. Graduate school?
17. Student Loans
* According to Federal Reserve in New
York the student loan debt is now
about $870 billion. This tops Credit
Card debt at $693 billion and Auto
loan debt at $730 billion.
18. Loan Repayment
Federal Student Loans
1. Standard Repayment Plan
2. Graduated Repayment Plan
3. Extended Repayment Plan
4. Income Based Repayment Plans
a) Direct Loan Income Contingent Repayment
Plan
b) IBR- Income Sensitive Repayment Plan
19. Loan Forgiveness
• Repayment plans after 25 years if Federal
• Working in a specific job where you could see
loan forgiveness after 10 years of payments
• If you are a teacher with Perkins Loans or in a
specific profession
• Employers can offer incentives
20. Private Student Loans
• Be cautious and always keep informed about
payment plan options.
• Limited
21. Postponing Repayment
Federal
• Loan Deferment
• Loan Forbearance
• Private Student Loans- limited in options
23. Tax Refund Offset
• The IRS can intercept any income tax refund
you may be entitled to receive until your
student loans are paid in full.
24. Paycheck Garnishment
• Federal government can take ”garnish” up to
15% of your disposable income but is not able
to take more than the equivalent of 30 times
the current federal minimum wage.
• Best way to avoid garnishment is to contact
the holder of your loan to negotiate a
repayment schedule.
25. Federal Benefits
• The federal government can take benefit
payments, including Social Security and Social
Security Disability, but no Supplemental
Security Income. They have to leave you with
benefits of $750 a month or $9000 a year.
26. You Get Sued
• The government and private lenders can sue
you to collect defaulted student loans. Unlike
other debts, there is not any time limit on
collection of the debts.
27. Resource for Information
• www.studentloanborrowerassistance.org
• www.studentaid.ed.gov/publicservice
• Financial Aid Office