FirstLoanConsolidation.com -

Refinance Student Loans Help

BYE Student Loan Debt: Learn How to Empower Yourself by Eliminating Your Student Loans

Question: Is it smart to refinance your student loans?
Answer: You should consider refinancing student loans if you find a lower interest rate and you want to merge some or all of your student loan payments into one. While refinancing is a good idea in many cases, it’s not best for everyone, especially those who need to take advantage of federal student loan protections.

Now, nearly 70% of college graduates exited school with student debt – equivalent to 43 million student loan borrowers. Together, these students carry over $1.4 trillion dollars in loans, which continues to grow at a rate of about $3,000 per second! The average 2017 graduate will leave school with over $37,000 in debt and an average payment of over $350 a month.

BYE Student Loan Debt was created to tackle this epidemic. He has accumulated nearly $150,000 in student loan debt through a combined several years of secondary education. By sticking to the principles outlined in this book, they eliminated this debt in just 5 years! This provided the inspiration to share their story so that others could follow the same steps they used to rapidly eliminate their debt. This interactive online book is linked to online calculator tools that when paired with the simple process outlined in the book, allow for a customized repayment solution.

If you or someone you know is saddled or soon to be saddled with this burden, BYE Student Loan Debt is the book for you. For those that are already in student loan debt, this book will show you the fundamentals of how to understand, manage and eventually eradicate your debt. For those yet to take out loans, the book will highlight the principles required to minimize your debt burden and prevent a lifetime of student loan payments. Within these chapters, you will learn to:

1. Organize your loan situation and set realistic goals
2. Create a budget and make a plan
3. Bargain hunt for favorable loan consolidation terms
4. Execute a loan plan by prioritizing the most costly loans first
5. Employ programs to alter, delay, or have loans completely forgiven
6. Save and invest for your future
7. Prevent student loan debt from the beginning of your education
8. Customize a loan repayment plan with interactive online calculators

Bye Student Loan Debt lays out a clear and easy method for how to pay back student loans that I have not seen anywhere else. If you don’t fully understand your student loans or already have a purposeful strategy for repayment, then reading this book will likely save you thousands of dollars and put you in a better lifelong financial position.

This guide goes further than just explaining the student loans and tackling repayment strategies, and even talks about the difference between retirement accounts such as a 401k, IRA, Roth IRA, etc. In that sense, it’s almost like a beginners guide to personal finance which would benefit everyone. This guide is concise and easy to read. I would recommend this book to anyone who has student loans, or any parents of kids with student loans. It is an excellent information.

It is a methodical, concise, and accessible resource in a sea of unqualified advice and opinions on the subject. How to deal with student debt properly is not immediately obvious and difficult to execute – this book acts as a play-by-play for success not only in relieving debt, but in how the process fits in your own larger financial health. This guidek should be a go-to for anyone who is confused or overwhelmed by student debt.

Refinance Student Loans Details

Refinance Student Loans External Link:

More Refinance Student Loans Information

Student Loan Consolidation

Dealing with Student Loans: A Comprehensive Guide

Has to be one of the best books on student loans out there. Thoroughly researched and detailed w lots of real world examples. Right now, no matter what you’ve read online, there are no secrets or tricks to handling your student loans, and there are no shortcuts to doing your homework. The proven plans usually aren’t very sexy, and everyone’s situation is different.

The details about student loan consolidation matter, and they matter a lot.

This is the comprehensive guide for dealing with student loans, written to concisely cover a complex topic and give you the tools and background you need to handle the big investment you’ve made in yourself.

Topics include:
– Borrowing less and minimizing interest accrual during school
– How Federal Loans Work & Federal Repayment Options
– Income-driven repayment (IBR, PAYE, REPAYE, and ICR)
– Federal Direct Consolidation
– Forbearance & Deferment
– Public Service Loan Forgiveness
– Maximizing PSLF
– Long-Term Loan Forgiveness & Loan Repayment Programs
– Private Refinancing
– Taxes & Retirement

Read it during you interview months as it’s actually a quick read and can be finished in a day or two. Before reading this book, I had the basics down as I had done a bit of reading, but this book would have been a much simpler and quicker solution to all the work I had done. It also pointed out some nitty gritty details I had overlooked within each repayment plan. It defines every term you need to know and runs through all the repayment plans. It also touches on other financial concepts doctors should be aware of (financial advice, taxes, retirement, insurance, etc), but this is not the book for that – for that I would read The White Coat Investor as the first chapter of this book seems to come straight from that book.

The only downsides to this book is it often gives an example of a repayment strategy, shows you the numbers, and then says to run the numbers for your own situation, but never shows or tell you how to do this. An appendix with how these calculations are done would make this book just that much better as they are not always straight forward and the calculators recommended at the end of the book and others out there only look at a snapshot in time and do not account for any increases in salary. I highly recommend anyone taking their student loans seriously with any possible complexity such as PSLF, marriage, children, ect. build their own excel calculator once they understand how the numbers are calculated and run it yourself to see how you can maximize potential savings.

This book does an amazing job of understanding and communicating the actual details of student loans. I especially appreciated the excerpts he used from government resources and regulations. This is a must read for entering and exiting students.

Student Loan Consolidation Details

Student Loan Consolidation External Links:

Student Loan Consolidation Information

New Loan Consolidation Searches

Personal Loans For Bad Credit

Repair Your Credit Like the Pros: How credit attorneys and certified consultants legally delete bad credit and restore your good name

If you want to get personal loans for bad credit, you should consider credit repair as a first step.

People who say credit repair doesn’t work are the people who are going about it the wrong way, the amateur’s way. If you want to achieve maximum success in getting mistakes of the past deleted and restoring your good name so that you can qualify for the best loans at the lowest rates, then you need to follow the same steps taken by attorneys and certified credit consultants.

“How do they do that?” people ask. This book reveals the answers, the details, and the steps you can take to repair your own credit in a manner that is legal and effective.

Unless you just won the lottery and plan to pay cash for everything for the rest of your life, you need excellent credit and a high FICO score to get respect and qualify for the best financing, credit cards, and insurance rates.

This book was a tremendous help in starting to repair my credit. I had a derogatory mark on my report that I had already planned on paying $500 to have the account “paid in full” but would still show up on my report as a negative. Before I sent my payment I purchased the book, found my situation, mailed the appropriate letter, and a month later the negative mark was removed from my credit report and stayed off without me having to pay anything.

It is extremely simple, thorough and easy to follow. Reading this book changed my entire perspective on credit and how much control we do in fact have. I have recommended this book to everyone I know. Even those who believe their credit is good can still benefit from this book, whether it’s something as small as updating a name or address or something major like removing collections. I myself have seen a 100 point increase in THREE months and I’m not even done correcting my credit reports. Everything I have disputed so far has been removed entirely, collections, late payments etc.

Personal Loans For Bad Credit Details

Personal Loans For Bad Credit External Links:

More Personal Loans For Bad Credit Information

Debt Consolidation Loan

The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness

The “makeover” is a set of 7 baby steps, but before the steps comes the cornerstone of the whole program: a written budget and a cash envelope system. The book covers why you need a written budget, and boy, it was true for us. Sure, I had a mental idea of what our bills were. But writing everything out let me see ALL the little things I tend to forget about, and how quickly they add up. The book helped us make a “zero based” budget, meaning we earmarked every dollar coming in for a specific purpose (rent, groceries, gasoline, etc.) Then comes the cash envelope system, which helped us make an immediate 180-degree turnaround on our spending. The book covers why cash is better than plastic (debit as well as credit), as well as how to create cash envelopes for each spending category and stuff them with the budgeted amounts. No more accidental overspending!

These 7 baby steps of his are simple, universal, and brilliant:
Save $1,000 emergency fund
Pay off debts using the Debt Snowball: Make a list of your debts, smallest to largest (excluding mortgage) and focus all of your financial effort on one debt at a time (making only the minimum payments on all others), working your way down, with gazelle intensity. Once you cross one off, you divert all the money you were paying on that debt to the next, with the payment size growing at each step.
Save 3-6 months expenses
Put 15% toward retirement
Save for kids’ college
Pay off mortgage
Build wealth by investing

You can take control of your money. Build up your money muscles with America’s favorite finance coach.

Okay, folks, do you want to turn those fat and flabby expenses into a well-toned budget? Do you want to transform your sad and skinny little bank account into a bulked-up cash machine? Then get with the program, people. There’s one sure way to whip your finances into shape, and that’s with The Total Money Makeover: Classic Edition.

By now, you’ve heard all the nutty get-rich-quick schemes, the fiscal diet fads that leave you with a lot of kooky ideas but not a penny in your pocket. Hey, if you’re tired of the lies and sick of the false promises, take a look at this—it’s the simplest, most straightforward game plan for completely making over your money habits. And it’s based on results, not pie-in-the-sky fantasies. With The Total Money Makeover: Classic Edition, you’ll be able to:

Design a sure-fire plan for paying off all debt meaning cars, houses, everything
Recognize the 10 most dangerous money myths (these will kill you)
Secure a big, fat nest egg for emergencies and retirement!

Includes new, expanded Dave’s Rants sidebars tackle marriage conflict, college debt, and more. All-new forms and back-of-the-book resources to make Total Money Makeover a reality.

Debt Consolidation Loan Details

Debt Consolidation Loan External Links:

More Debt Consolidation Loan Information

Small Business Loans

Approved: How to Get Your Business Loan Funded Faster, Cheaper & with Less Stress

This straightforward road map guides you through the SBA loan approval process—from business plan preparation to submitting a foolproof application.

Few entrepreneurs are aware of the benefits and opportunities available through the Small Business Administration (SBA), mainly because there are few resources available to guide them through the process. Approved was written to fill that gap by providing a step-by-step guide to SBA loan approval—bypassing the difficulties, delays, and expenses that can complicate the procedure.

After finishing Approved, you will be able to highlight strengths (and mitigate weaknesses) from a lender’s perspective, provide a simple business plan identifying how the business will be profitable for the long term, and accurately prepare a business loan application that can be immediately submitted through underwriting—unlike most business applications.

Applying for a business loan can be difficult, time intensive, and expensive, but it doesn’t have to be. This book was written to provide a straightforward road map to help you obtain approval.

In Part One, traditional business loans are compared to business loans backed by the Small Business Administration (SBA) based on 21 factors. In these first two chapters, you will learn why every entrepreneur should consider an SBA loan.

In Part Two, an overview of the SBA’s flagship programs is discussed, including how to meet the SBA’s eligibility requirements, a low bar if you follow the guidelines in this book.

In Part Three, you will learn how to evaluate yourself, your partners, and your business(es) from a lender’s perspective. With this knowledge, you will be able to highlight particular strengths that lenders want to see and mitigate weaknesses that could cause processing delays and even loan declination.

In Part Four, you will learn how to prepare a summary business plan specifically written to obtain financing. A business plan is necessary for financing to take advantage of growth opportunities, acquisition of third-party businesses, and new businesses. In Part Four, you will learn which parts of the business plan to devote more time to and which other sections only need limited information or may be skipped altogether.

In Part Five, you will learn how to prepare your business loan application correctly. Incomplete/incorrect applications cause major delays in the loan approval process. Practically speaking, complete applications always take priority over the incomplete ones. Incomplete applications are often just set aside regardless of when they were initially submitted. In fact, many lenders will simply decline them due to the time that it takes to educate borrowers on how to properly prepare a complete application.

After finishing this book, you will have the ability to highlight the strengths (and mitigate the weaknesses) of your business from a lender’s perspective, provide a simple business plan identifying how your business will be profitable for the long term, and accurately prepare a business loan application package that can be immediately submitted through underwriting without delay.

The US Small Business Administration enables small businesses to obtain more than $20 billion in business funding every year.

How To Get Small Business Loans

Small Business Loans External Links:

More Small Business Loans Information