1. Still in school, yes! Rates are low, but they're scheduled to go up. Your college loan payments will then remain as manageable as possible when you leave school. If you have graduated, or will be graduating this May or June, yes! Graduates can lock in historical low rates, and reduce their monthly payments more than half. You can lock in a rate even while still in school, and even if you have been out of school for a couple of years can get a good deal, too.
2. The newest twist in the consolidation puzzle is the "in school consolidation", affecting students who are currently enrolled and will be enrolled past the July 1 consolidation. You can consolidate your existing college loans now to secure the low rates for at least part of their student loan portfolio.
3. Consolidating could save thousands of dollars in interest payments on college loans. There are impending student loan rate changes and new interpretation of regulations by the Department of Education, also, Congress is considering ending the fixed-rate program. Experts are urging students to consolidate to relieve themselves of a higher debt load.
4. Many students and families are looking for a simple, clear answer about whether to consolidate college loans or not. The simple answer is to take some of the bite out of the debt by loan consolidation. You could live like a miser and save as much money as possible or consolidate your federal student loans now.
5. For students still in school, you have an opportunity to choose consolidation. Consolidating would put a college loan borrower into repayment status, but the student can defer payments until after graduation by making a deferment request. Consolidating today can have payments put off until graduation.
6. The federal loan program allows consolidation, which is when a borrower pools his student debts together so that only one monthly payment is necessary, rather than several. It's not just the convenience of one payment that is making consolidation so compelling. The most significant aspect of the program is that it allows a person to permanently lock in a lower interest rate on loans. These loans are backed by, or granted directly by, the federal government.
7. Rates for federal Stafford loans, the most prevalent type of student loan, as well as some other types of federal student loans are set annually based on the rate of 91-day U.S. Treasury bills at the end of May. The exact rate won't be known until the end of the month, but experts say it will be about 2 percentage points higher. (
Private loans and federal loans cannot be consolidated together.)
8. For the first time, the U.S. Department of Education will allow students still in school to consolidate federally backed loans. Federal PLUS loans can also be consolidated. PLUS loans are used to help pay the cost higher education.
9. Students, regardless of enrollment, should absolutely consolidate their college loans, arranged through the student's lender. There are no fees, no credit checks, and interest rates are expected to move higher. Those are good reasons to consolidate.
10. Act quickly to put lock on current federal-aid interest rates. Graduates should act now to insulate themselves from a drastic rate change. Apply early. Do not wait until the last minute to file paperwork. Those who have already graduated or left school should not wait to investigate consolidation. In the first six months after graduation, you are in a grace period. Within that six-month window, you can lock in a low rate on Stafford loans and spread the repayment over as long as 30 years.
If you're going to consolidate, now is the best time to do it.
Georgio Heberto is dedicated to offering news, articles, and instruction on financing college education. You have a definite choice in how you finance your education and beyond. Visit http://www.atopeducation.com for more information.
Article Source: http://EzineArticles.com/
Each day we all face the same challenge. Spam. It doesn't matter if you're a home computer user or the head of IT for a multinational limiting or totally preventing the distribution of junk email to your computer(s) is now a daily chore.
The sheer frustration that spam causes combined with the number of lost man hours adds up to junk email being a very real problem for all involved. You have to filter through all the junk to find your own personal or work email. This on its own is annoying enough. When you consider the security risks from spyware, trojans, diallers and attempted identity theft spam becomes much more than just an annoyance - it becomes a minefield for any computer user.
So what can you do to block spam? The first step each user should take is to simply limit the number of people who know your personal email address. If you have a work email address then just use it for work. For home users only distribute your email address to people you know and trust. This simple move can cut your spam problems by 50%.
But what about all those online forms I need to fill in? No problem. Use a free email service like Hotmail or Gmail for this purpose. Treat it as a throwaway account that you can use as a buffer between your true personal email address and the rest of the world. Let it fill up with junk email and then just login once a week and delete everything you see.
Your password. It's amazing how many people set the password for their email account to abc123 or something similar. These passwords are incredibly easy for spammers to guess and would give them easy access to your mail account. The password for your email account should follow corporate standards of being 6 - 8 characters long and be alphanumeric (a mixture of numbers and letters). Make it longer if you can. Using a weak password is just asking for trouble.
If you're already receiving a ton of spam then you'll need to invest in a spam blocker. There are free spam blockers you can download and also also their paid equivalents. A great spam blocker can cost you as little as $30 and you'll see an immediate reduction in the amount of spam you're receiving.
Over and above installing software on your computer (especially for Mac users as your choices are limited) you could sign up for one of the web based challenge response spam blockers like Mailblocks or SpamArrest. Both of these services are ideal for somebody who's on the move a lot. Also because they're web based there's no software to install so they're perfect for Mac or PocketPC/Palm users.
Taking a pro-active anti spam stance is the next step. If you get junk email from people then check the mail headers and report any offensive email to the hosting company or ISP involved. Never, ever reply to spam directly. This simply confirms to the spammer that your email address is active. Also
never click on any hyperlinks in any junk email - this again confirms your existence and can lead to a virus being downloaded directly onto your PC. Filter the spam, report the abusers, delete the remaining junk email.
Spam can be stopped. Not by some corporate giant or genius programmer. It can be stopped by each of you individually. Spammers rely on the widespread availability of email addresses and for people to reply to these emails or click on the links within the emails. The sooner people stop reacting emotionally to spam and simply filter, report and delete the offensive mail itself the sooner the lucrative market of bulk email will dry up for the spammers.
This article was provided courtesy of Spam-site.com which reviews spam blocker software and other anti spam utilties.
Article Source: http://EzineArticles.com/
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