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Six Student Loan Rights You Need to Know

December 27th 2013 by
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It’s no surprise that in recent years, more and more students are graduating college with thousands in student debt. In fact, between 2007 and 2012, student loan amounts increased 75 percent, according to a TransUnion study. But what recent grads may not know is that there are many options that can help take the burden off and help you repay federal student loans. Consider the following decisions: 1. Loan forgiveness. If you work in certain public service organizations, such as law enforcement, early childhood education, public health, the military, etc., you may qualify for loan forgiveness of your remaining loans,…

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Save on Interest With a Secured Loan

Posted in Borrowing Money
July 26th 2013 by
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Do you have a car that’s worth more than you owe on it? That means you have equity in your vehicle. Did you know you can use that equity for a secured loan, which could save you a lot of money? You may already be familiar with secured loans. If you have a home equity loan, commonly referred to as a second mortgage, that loan is secured by the equity in your house. What you may not know is that you can also borrow against the equity in your vehicle. For example, if you have $10,000 in equity on your…

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4.00% Surcharge for Use of Credit Card is Legal. Avoid it with an Aspire Debit Card!

February 5th 2013 by
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As of Sunday, January 27, 2013, retailers are officially allowed to add a surcharge of up to 4.00% onto your bill if you opt to pay with a credit card. The good news, though, is that it can be avoided. Interchange fees have been charged for years, but until recently, most people were unaware of what this meant. An interchange fee is the fee, typically about 2.00%, that a store pays us or your local bank or credit union when you use a credit card at check out. For low-margin businesses like supermarkets as well as mom-and-pop stores that don’t have the influence of their larger competitors to bargain lower rates, these fees greatly cut into profits. Because of this new law, businesses are now allowed to pass the fee onto you, the customer. Here’s the good news! By using an Aspire FCU debit card at checkout, the surcharge cannot…

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Know Your Obligations when Cosigning a Loan

Posted in Borrowing Money
November 9th 2012 by
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Often, parents cosign for their sons or daughters who have adequate income but a lack of credit or employment history. By cosigning, parents help their offspring get the loan and establish credit in their own names. But many borrowers, be they the cosigner or the primary borrower (also known as the maker), don’t recognize the magnitude of the responsibilities borne by cosigning a loan. What responsibilities do you have when you cosign a loan? Cosigners lend their names and good credit histories to the maker. Should the maker die, lose a job, or otherwise fail to make payments, all responsibility for meeting the terms of the loan transfers to the cosigner. An often-overlooked aspect of cosigning a loan is the fact that the loan appears on both the maker’s and cosigner’s credit reports. If the maker doesn’t pay, the lender will notify you to make the payments. In most cases,…

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IRS System Helps Students with Financial Application Process

July 6th 2012 by
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College-bound students and their parents typically want to make every dollar and every minute of the college experience count including money spent on tuition and time spent on the college financial aid application process. The Internal Revenue Service is helping minimize the time spent on the completion of the Free Application for Federal Student Aid (FAFSA) form by automating access to federal tax returns with the IRS Data Retrieval Tool. This tool provides the opportunity for applicants to automatically transfer the required tax data onto the FAFSA form. Here are some tips on using the IRS Data Retrieval Tool: Benefits – The IRS Data Retrieval tool is an easy and secure way to access and transfer tax return information directly onto the FAFSA form, saving time and improving accuracy. Also, the increased accuracy reduces the likelihood of being selected for verification by the school’s financial aid office. Eligibility Criteria –…

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