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Should You Cosign a Loan?

August 7th 2014 by
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You’re put in a tough spot if you’re asked to cosign a loan. The borrower is in an even tougher spot. It’s hard to leave emotions out of it, but it’s important to think about what’s being asked of you and how it affects you. What Does it Mean to Cosign? As a cosigner, you are agreeing to take full responsibility for the debt if the borrower stops paying. It’s possible the creditor will even attempt to collect the debt from you rather than the borrower. But just because someone needs a cosigner, doesn’t mean they’re at high risk of…

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3 Tips to Pay Off Your Student Loan

July 8th 2014 by

Acquiring student loan debt can feel like a necessary evil. But the opportunity to invest in your future now, despite the cost of a university education, opens up the doors to many future career opportunities. There are a number of ways to make paying off your loan easier on you and reduce your debt quickly. The following tips can help reduce the burden of student loan debt. 1. Know Your Terms One of the biggest mistakes students make is failing to understand the terms of their student loans. Counseling is required in many cases to give students the information they need regarding their loans once they graduate, but many students overlook important details. Be sure you research all of the available information that’s given to you when you apply for your loan. This includes the interest rate terms (fixed vs. variable), as well as whether your loan is a federal…

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Q&A: Borrowing Money from Aspire

May 30th 2014 by
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We want to help you achieve your dreams. We have a lot of products that can help you do that and we know you probably have a lot of questions about how it all works. Below you’ll find the most frequently asked questions about loans. How do I qualify for a loan with Aspire? Must be 18 years old, US Citizen, and have a stable income. After filling out an application, our underwriters will review your information to determine eligibility. Why can’t I find out right away if I’m approved for my loan? We try not to keep you waiting…

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Can You Refinance Your Car?

Posted in Borrowing Money
March 4th 2014 by

Refinancing is one case where the grass may be greener on the other side. It’s about replacing your current loan with a new one, under different (usually better) terms. Refinancing can help you: – Shorten the length of your loan – Lower your interest rate – Reduce monthly payments Most people think of mortgages when they hear about refinancing. However, you can also refinance your car loan! Is Refinancing Right For You? Better terms, lower rates… sounds like refinancing should be right for everyone. However, you’ll want to make sure: You have good credit. If you don’t, you may not…

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The Ins and Outs of Co-signing a Loan

Posted in Borrowing Money
January 2nd 2014 by
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If you have been asked to co-sign a loan for a friend or family member, you should familiarize yourself with all that the process involves before you make your decision. The co-signer agrees to share the responsibility of the loan, and in the instance that the borrower is unable to pay, the co-signer will have to. Don’t dismiss this possibility; the Federal Trade Commission (FTC) cautions that “studies of certain types of lenders show that for co-signed loans that go into default, as many as three out of four co-signers are asked to repay the loan.” Before co-signing, be sure…

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