Private College Student Loan

Is consolidating my federal student loans with Direct Loan Servicing my best option? Do they have the best rate? After all, THEY ARE the government, whom regulates rates, correct?

Did the direct loans servicing website really move or did they just get hacked? https://www.dl.ed.gov/borrower/BorrowerLogin.jsp I need to put in sensitive information to witness the debt I'm accumulating as a friggin student and this website is telling me they "moved" from a ".gov" to a ".com" website. Sounds suspicious to me.

Lloyds Tsb / Loans Direct customer service number? No matter what department at this bank i ring , i cant seem to get this number

Can somebody gave me the customer service number for starter loan direct? I have a stranger feeling that it a scam I need to cancell my account please help that the number that i already have no one would answer the phone

i received my irs refund by way of a loan from tax service in a dierect dep. how/when will i receive stim. ck. the loan service direct dep.ck. into my account how and when will i get my stimulas check??

Will H and R Block give Xmas loans to people who havent used their service in about 5 yrs? I havent used H and R Block in about 5 yrs...Does anyone know if it is possible to still get a Christmas loan.I have been filing myself online and using a RAL loan direct deposit in my bank account

What is Edfinancial Services for student loans? I was late sending in my verification of income form, but I did fax it to a representative while on the phone with Direct Loans, and she received it. A few days later I log into my account online and it tells me that my loans have been transferred to Edfinancial Services. Does this mean that my loans are now in default?

can i recieve loans even though on academic warning? i have a big dilemma. i received my financial aid letter in mid-july and it states "Our records indicate that you are not maintaining SAP standards (which means i'm on academic warning), and therefore, are not eligible for federal or state aid." Okay, so i know that means i can't get any scholarships, grants, awards etc. but does that ALSO mean I cannot receive LOANS? I just recently applied for a loan through the direct loan service website, since my school (Virginia Commonwealth Univ) does ONLY direct loans instead of private lenders. Would this academic warning impede me from getting a loan cause i DESPERATELY need it since my bill is due august 21st, 08. and my parents have insufficient funds to pay for that. PLEASE HELP! get back to me asap.

I rehabilitated my student loans, now they say I have more in default. What gives? Rehabilitated $18,000 in defaulted student loans and penalties and have been making my payments to the direct loan service center. Service Center says I am good. DIVERSIFIED COLLECTION SERVICES says I have 3 loans in default, yet they do not bug me, never informed me of these and that no bugging part is not in their nature. They total of the loans that are defaulted and rehabilitated equals the 18,000 I rehabilitated. I am just confused and a little mad at this. I just wanted some info and advice. thanks ps. I know DCS is the scum of they earth. Feel free to vent but I want some advice.

Student Loans (ICR + Consent to Disclose Tax Info)? I just finished a 9-month rehabilitation repayment program for my student loans. I was paying $140/mo for 9 months.. Now I'm dealing directly with Direct Loan services. I spoke with the lady at customer service to try and lower my monthly payment, they put me on a pgram called (ICR) Income Contingent Repayment Plan. I wanted them to lower my monthly payment and told them I make much lower than what I really make. They told me fill out 2 forms "Alternative Documentation of Income" & "Consent to Disclose of Tax Information" My question is: If I fill out theses 2 forms and send them in, and they check my IRS records and see that I make more than what I told them, will they make me pay more than what I was paying $140/mo for the student loans???

How do you pay back fafsa loans now? Trying to start paying off the loans I just started, but can't seem to log in to fafsa. My school student self service brings me to their site. It says "If you are logging in to view your account, our records indicate that you do not have a Direct Loan account or TEACH Grant that is being serviced by us." I do have an account and don't know why I can't view it.

What is the Best Student Loan Consolidation and possible incentives to sign up? I have a series of student loans - a few from Direct Loan Servicing Center, Nelnet and Sallie Mae. How can I get these consolidated with the best rate and are there any cash back perks or other incentives for consolidating these loans?

My student loans are now being serviced by Sallie Mae? I just logged in to the direct loan servicing website to pre pay my student loans for the next few months and I now have a $0 balance with this message: Our records indicate that Account(s) *****s no longer being serviced by us. This account is now being serviced by: Sallie Mae - Department of Education Loan Services. Uhhhmmmmmm WHAT? Why did this happen? My account was current! Idk what to do does this mean all my repayment terms have changed? Has the DLS consolidated all my loans with my other Sallie Mae loans without my permission? I'm trying to get an answer from both companies but its always a wait to talk to a rep and im on hold now. omg. still holding. I previously owed Sallie Mae and the Federal Direct Loans programs about 10 G each. Now the FDL says I owe them 0, and sallie mae is only giving me a total of about 13g. This is a mess. Can anyone tell me whats going on?

As a teacher, can I qualify for BOTH Public Service and Teacher Loan Forgiveness Programs? There are 2 loan forgiveness programs available for elementary and secondary (public) school teachers: 1. STAFFORD LOAN FORGIVENESS PROGRAM FOR TEACHERS Under this program, individuals who teach full time for FIVE consecutive, complete academic years in certain elementary and secondary schools that serve low-income families and meet other qualifications may be eligible for forgiveness of up to a combined total of $17,500 in principal and interest on their FFEL and/or Direct Loan program loans. 2. PUBLIC SERVICE LOAN FORGIVENESS Under this program, you may qualify for forgiveness of the remaining balance due on your eligible federal student loans after you have made 120 payments (i.e. 10 YEARS WORTH) on loans under certain repayment plans (IBR, income-contingent plans) while employed full time by certain public service employers. So my question is this: After graduating in 2012, I will enter the teaching profession as a high school science teacher. I start repaying my loans under the IBR plan. According to the above, does this mean that after 5 years, I will have up to $17,500 in loans forgiven, and then after another 5 years, ALL remaining debt will be forgiven? This covers both forgiveness programs, and it does not say on the government student aid website that you can't use more than one forgiveness program!!! If this is true, I think I've just discovered a great way to "beat the student loan system" (and not many people probably realize this crafty method). ***The only catch I can foresee is that if you do get $17,500 of your loans forgiven after 5 years using the Teacher Loan Forgiveness Program, that may disqualify you for the IBR repayment plan from that point on (since your loan debt will be lessened in relation to your annual income). How's my thought process on this? Is this all correct?

Doesn't the elimination of private student loans make the federal government money? Is this the first service? that the federal government will actually make money. And I don't mean collecting taxes. Because thats obviously not a direct service to the payer (but more for the whole group of americans). Where is that money going to go to Why the hell are they charging a bs origination fee when some of there competitors where not charging it hence making lending more expensive to some students. don your missinformed. Discover never charged any fees until it was required to do so this year! As to charging a lower rate that was agreed on wayyyyyyyyyyyyyyy before obama's time. But thats stil profitable for the government regardless of its decrease

How do i get my federal student aid direct loan audited? I am disputing my billing history but have gotten no where with the "customer service" people on the phone. there has to be a way to get my loan audited. please, help!

student loans & interest rates....? I have two student loans - the first one is serviced through direct loans, in the amount of 33,090 and has a 6.875% interest rate. My monthly payment are now 257.00 per month. it was consolidated in 2000. The second loan is a combo of sallie mae stafford sub and unsub loans in the amount of 103,057.00 with a 3.610 interest rate, scheduled for payment of 1057.00 per month starting 10/09. I'm wondering if it's best to consolidate all of them and when I should do that. If I consolidate, I will begin payments immediately at a 4.5% interest rate and I will pay between 500 and 700. I'm concerned that I may not be able to consolidate in the future, given the nature of the market now.... Thank you!

How are you going to pay your student loans? Bank of America came up with a program called "Keep the Change", where they rounded up every purchase to the nearest dollar and open a savings account for you. Now I wonder if you did this for student loans, where every purchase you did was rounded up, placed into an account that made direct payments into your student loans. Would you use this? What if this service also gave away 5K monthly in a raffle, would you join? The raffle would be completely free, all you would have to do, is part of the program by signing up? Thoughts?....

Has anyone heard of Orion Direct Services? I recently submitted an online personal loan application to Orion Direct Services. When they called me, they said that I would have to put up $1,800 as collateral for 6 months. Now I've heard about loan scams like this where someone sends in money and never receives a loan, so I was wondering if anyone knows anything about this company. Their website is www.oriondirectservices.com

Where can I find a list of companies/ lenders that offer loans to people w/ bad credit? I have Googled, I have ASKed, I have called. I had no luck. I am looking for companies that offer loans to people (like me) with bad credit. Please do not send refferal service which charges fees and provides no loan results. I've already been scammed. I prefer direct lenders/companies. All feedback is appreciate it. Please do not answer the question, if you do not know the answer. Thank you!

How did MOHELA take over my loan from the US Department of Education? I have a student loan from the US Department of Education. (Direct Loans) My loan is paid on-time, every month, and in good standing. I received a letter in the mail today from MOHELA claiming that they have taken over my student loan and I should start paying them. Here is what they claim in the direct mail they sent me: WHY WE ARE CONTACTING YOU: Effective 11/10/11, your federally-owned student loan account, previously serviced by the Direct Loan Servicing Center, is now being serviced by MOHELA, Department of Education Servicer. MOHELA is honored to be selected as your servicer and we look forward to providing you with excellent service. --End of quote-- MOHELA's address: 633 Spirit Drive., Chesterfield, MO. 63005 I have never contacted MOHELA for any reason. I went to school in California. I am from California. I have never even been to Missouri in my life. How could they have possibly got ahold of my loan? My loan is not past due, and has always been paid on time. I have never attempted to consolidate my loan, or change it to a loan servicing center. Is it legal for them to just suddenly take over my loan? Is this a scam? I have never contacted MOHELA in my life, I still have not contacted them. I just received this letter in the mail out of the blue. Is this legal? Should I contact the Better Business Bureau and file a complaint? Can I sue them for harassment?

Can my school change my federal unsubsidized loans without my permission? My school originally awarded me 2 federal direct unsubsidized loans. One was for 6219 per semester The other was for 5970 per semester I also received the maximum of 8500 for subsidized loans. I have received official documents from the Department of Education Loan Services and the US Department of Education for all of the aforementioned amounts. My school decided to then reverse these loans and then issue me a new one for 5028 per semester. I have NO previous student debt at all or any debt for that matter. My credit score is an 812 out of 830. I have NEVER been financially irresponsible. I did NOT submit any requests, either verbally or written, to modify my loans. I am receiving a scholarship for 36000 this year (total) to help with living expenses. The total estimated cost to go to my school, with tuition, books, fees, transportation, food, health care (which is mandated), etc. is over 65000. With the original amounts, I would have been above the federal poverty line. With the new modified amounts, I will not be able to afford rent or basic needs as it will leave me with 14000 for the remainder of the year to cover all extraneous expenses such as housing, food, clothing, utilities, transportation to and from school, etc. It is cheaper to live off campus than to live on campus, which I do live off campus. The maximum for subsidized loans EACH year for a graduate student is 8500. The maximum for unsubsidized loans EACH year for a graduate student is 20, 500. The total maximum for subsidized and unsubsidized for a graduate is 29000. http://www.direct.ed.gov/applying.html http://www.finaid.org/loans/studentloan.phtml I am in my first year and have no previous debt. So therefore, I do not breach these rules and regulations and limits. I completed all of the counseling, applications, entrance, etc. in early April of 2011 (this year). My question is, can my school change my original awards suddenly (less than 72 hours before final payment is made (September 19, 2011) and place me in such a disposition? If so, why. If not, why not. Thank you for your time!!!!

I just got notice that MOHELA is taking over my student loans? I was just notified via email that MOHELA is now going to be servicing my student loans. I was caught off guard by an email and thought this was a scam. I called a rep there and she could not pull me up in the system, she stated that it will take 60 days. I had called Direct Loans a few days prior requesting an IBR (Income Based repayment) Form as I need to do this at this time. My loans were low interest and I was prepaid until August. I am worried that they will change the interest and/or up my payment. Can they do that? Anyone with advice please help. I cannot believe this. I am reading a lot of horrible stuff about MOHELA....

Mohela took over my loan from the Department of Education and claimed it could change the terms? I got a notice a few months ago that Mohela was taking over my student loan from the Direct Loan Servicing Center and several payments have been made with auto-debit to Mohela at the correct amount of $1289.78. The loan was consolidated under a single loan about 10 years ago with a 30 year term and with a fixed interest rate of 4.95% (with the .25% deduction of the auto debit included). I have all the documentation to prove it and I am sure Direct Loan Servicing Center provided Mohela with this information. I receive a letter yesterday raising my monthly payments to ~$11,057 a month and stating it was due to "Your terms have been re-calculated to maintain federal/program guidelines". Obviously, the new terms were not agreed upon by me and I can not afford this unbelievably high payment. I would like Mohela (loan previously with Direct Loan Servicing Center) to address this and return to the agreed upon monthly withdrawal of $1289.78 at the 4.95% interest rate for both loans combined as per the terms/disclosure and condition sheet that I possess demo Direct Loan Servicing Center. I do not understand why the change in the monthly payment amount without us requesting it since it was agreed upon already on a signed document between myself and Direct Loan Servicing Center. This breach of terms is not only improper but unethical and frankly not the right way to do business. If it is in error then they should have better quality (document) control. What is going on??? Contacted Mohela today and at first they were adamant that I was wrong and they could not have made a mistake. But I was not going to let this go so I told them I had documentation and they were definitely off on this for sure. I read the representative the info from my disclosure statement from Direct Loan Servicing and let them know the loan matured in 2031 not 2013 as their most recent letter stated. It looked like someone had switched the last two digits. After about an hour on the phone and going thorough a supervisor at Mohela they came back and said their was an error on their side. I asked "who made the error, Mohela or Direct Loan Servicing" the representative said she didn't know because her supervisor just gave her the info regarding the mistake and not who made it. If I hadn't pushed for a resolution then I would have walked away with a payment which was ~10x the original. In any case, they said it would be reflected on my account in 48 hours and my My maturity date will return to 2031. Lets see what happens. By the way, they said they never heard of you Will (Shaffner).

Can I pay back a loan early? Hi I'm a freshman in my college and I accepted a loan (roughly $2000) from the U.S. Department of Education's Direct Loan Servicing Center. Is it possible to pay it back early (because my grants already exceed my tuition fee) ??

Student Loan Consolidation? Student Loan Consolidation? I have a question about student loans that are consolidated. I always make my payemnts on time. As soon as I receive the bill, I send the payment out the next day, have never missed a payment or been late. Aslo, I have a fixed interest rate. HOWEVER, MY INTEREST balance fluctuates every month. When I asked the people direct loan servicing center about this, I was told that they have to have a payment EXACTLY every 30 days in order for the interest not to fluctuate. What's going on here? Isnt this the biggest load of crap you have ever heard? Anyone else experience this?

Mohela took over my loan and is charging me more? Last month Mohela took over my Direct Loan and have now increased my payments. I have called customer service and they first said it was due to new loan permeters, and then they said it was due to me not being able to be full paid in 10 years. I would understand that except I was paying ahead before where Direct Loans said that I would be paid off early. Can Mohela make profit on my student Loans?

Do pastor positions at church that files as a 501(c)(3) qualify for public service loan forgiveness under IBR? Most churches are 501(c)(3) non-profits. Under the (IBR) Income-Based Repayment plan, it states that public service positions can get loans forgave in 10 years instead of 25 (well 20 after changes Obama mentioned tonight in the SOU address). One of the public service positions is defined as, "Your job is eligible if you are employed by any nonprofit, tax-exempt 501(c)(3) organization" (http://www.ibrinfo.org/what.vp.html#eligible). This sounds straight forward enough but then below that it says there are 2 test questions for any that don't fit categories mentioned. It seems that this is only if its not a tax-exempt organization but the wording makes me wonder if there is an exclusion regardless. It states, "(1) your employer is not "a business organized for profit, a labor union, a partisan political organization, or an organization engaged in religious activities, unless the qualifying activities are unrelated to religious instruction, worship services, or any form of proselytizing;"" It sounds like those positions are not considered public service then even if they are a 501(c)(3) but does it matter since they are registered that way tax wise? I thank everyone in advance for their hopefully helpful informative responses. If anyone can give personal experience one direction or another on this question or cite direct evidence, it would be majorly appreciated! After seeing the first answer that appears to think this is a common sense situation, I feel I must not have been clear enough. This is more complicated because it only mentions the exclusions of religious worship, education, and such AFTER the statement saying; "Your job is eligible if you: * are employed by any nonprofit, tax-exempt 501(c)(3) organization; * are employed by the federal government, a state government, local government, or tribal government (this includes the military and public schools and colleges); or * serve in a full-time AmeriCorps or Peace Corps position. If you don't meet these criteria, the Department of Education's regulations create a two-part test of other circumstances under which you may still be eligible:" The wording makes those restrictions seem only to apply IF you DONT fit criteria mentioned. So its not just common sense although i appreciate the try at answering even if you did not bother to follow the link and look at the details.

Why don''t banks offer short term low cash loans with moderate interest to combat check cashing business? If a person had direct deposit, why should they have to go to a check cashing place to get a "payday" loan, when a bank could offer the same thing, for much less interest, and still, in the whole USA, end up making a billion plus by offering the service?

Defaulted Student Loans - Consolidation (Long Question)? I've been in default on a few federal Stafford loans for a few years that were originally through Sallie Mae, but for the last 11 months I've been making payments to a company called GC Services which is listed as the company that Sallie Mae sends defaulted accounts to. I've rehabilitated my loans through GC Services and now they want me to consolidate these two loans, but are asking me to pay an 18.5% collection costs along with my consolidation. I've looked into a Federal Direct Consolidation loan through https://loanconsolidation.ed.gov, and it appears as though they offer everything GC Services does, but without the extra collection cost. The only issue is that I might have to rehabilitate through them (?) but they say I can do that in only 3 payments. So I've got a few questions: A) Is there any reason that I would be forced to go through GC Services rather than through a Federal Direct Consolidation loan? B) If I can get a Federal Direct Consolidation loan, what happens to the payments that I have made to GC Services over the last year? C) In order to fill out an application for a Federal Direct Consolidation loan I need to have my account number and my "Loan Holder/Servicer Name", but I can't contact Sallie Mae for that information because according to them GC Services has all of my accounts, but they list my account number as my social security number. How do I get this information or is my Social Security number good enough? D) On the NSLDS website ( https://www.nslds.ed.gov/nslds_SA/ ) when I look at my loans, it lists information for a "Current Servicer" which is ACS, a "Current Lender" which is Bank of America, and a "Current Guaranty Agency" which is Northwest Education Loan Association, which of these should be listed on my application as "Loan Holder/Servicer" under "Loans I want to consolidate"? There is a reason I have been ignoring this problem for so long, I just don't know how to handle it! Any help would be greatly appreciated, and if there's any other general information regarding this please let me know. Thanks! I asked if there was any reason I would be forced to go through GC Services, but I should also ask if I am right in thinking that they are the same thing but with an extra 18.5% collection cost. Is it smart to try to go through the Federal Direct Consolidation loan instead or should I just stick with this company?

loan service charge mou ? i arranged business loan for my client through mortgaging his property in private finance. my client has to pay service charge for me . i would like to know whether memorandum of understanding is enough? if so direct me with sample mou for loan service charge,,,,thank you!!!

i want to get a DSA (Direct selling Agency ) for any bank preferble ICICI , HDFC ,SBI to market personal loans i have my office at K.P.H.B Road no 4 by name Aarudra insurance services, providing financial and insurance service for LIC, ICICI, SBI ,Relaince etcc.. including mutual funds have 3 field staff under me... As more demand for personal loans and housing loans from the people i am intrested to take DSA from any reputed bank ... i would be thankful for the beteer advice from the people .

I just completed FSA student exit counseling; What's the next step? I completed my bachelor's degree at the end of August and subsequently received an email from the university saying I had to complete FSA student exit counseling. I followed the link provided in the email (www.nslds.ed.gov) and completed the exit counseling for the university. After I completed it, I went back to the same link and completed exit counseling for the only other college listed, the community college that I first attended in 2009 before transferring to the 4-year university. At the end of both exit counseling sessions, it said, "Congratulations you have successfully completed exit counseling for your federal student loans". I did this about 2 weeks ago, and I still haven't received any other confirmation. The Direct Loan Servicing site and the NSLDS site still show that I'm in school till 2020. My question is, now that I've completed FSA student exit counseling, what is my next step? I want to see how much my monthly payments will be, where I will make payments, etc. I borrowed approximately $18,000 is federal stafford loans, mostly subsidized, and I'm thinking my monthly payments (5 1/2 months from now) will be around $240/month, but I'm not sure. Thanks in advance!

Forgot to include a Form 1098-E in my amended 2009 taxes? The Direct Loan Servicing Center (DLSC) for government loans did not send me a Form 1098-E because I paid less than $600 in education loan interest in 2009, so they either are not obligated to send it out or because I opted for electronic mailing I was expected to check their website instead for all applicable forms. But after I already electronically filed my 2009 taxes via Turbo Tax (and already received my refund), I found out that a Form 1098-E was on file in the DLSC website anyways and it indicated that I paid around $250 in interest, so I downloaded it and amended my taxes through Turbo Tax as well since they were filed electronically originally. But Turbo Tax said I have to mail in my amended tax return, as electronic amendments were not permitted, so I printed it out (1040X and all) and mailed it, but did not attach the 1098-E that I forgot to report in the first place. The reported interest of $250 on the 1098-E that I paid in 2009 increased my refund by only $75, but should I have included that Form 1098-E with my amendment or will the government already have it on file already considering it indicated on the 1098-E, as on most forms, that such info will be furnished to the IRS? I hate to be audited over an additional $75, as I was just trying to report everything properly, including the Form 1098-E which was never mailed to me due to reasons I explained earlier. Should I just mail in the Form 1098-E separately since I mailed my amendment already, or should I just wait and see if the IRS requests more information at this point? Thanks.

I was denied my first Credit Card because of an incident with a previous employer. What next? Please help. I'm 21 and have never applied for a credit card before. Now, I've taken the last year off of college, after two years, because of personal reasons. Until last Saturday, I had two jobs, now I have one (I quit, I wasn't fired). This is important because, the job I quit was at a restaurant and my employers weren't paying me for about 8 months. I was a server, so the excellent tips kept me from really complaining, at least until I started having money problems and I started demanding the money they owed me. Well, because I was so broke, I couldn't meet the minimum pay requirements of my student loans, and I had thought that my request for forbearance was sent, only I misplaced it with some old letters. So for three payments I was late. Then I received a letter from Direct Loans services and they were threatening to tell the Credit people that I was late. Then I got paid and I sent them all the money they were asking for. So I apply for a Credit Card through my new bank since I've gotten out of the red and I've balanced all my finances and worked out a budget. Of course, apparently they contacted the Credit Bureau, anyway, and because of that, my request was denied. I'm certain this will keep happening. Suggestions?

Is there a way to get my grace period back? For some odd reason, the Direct Loan service never received my deferment request for Fall 2010 semester so they placed me on grace period since August 2010 which is scheduled to end this month. I was wondering if I can get it back somehow? Also, I am getting a deferment request for this Spring 2011 semester. Would I still have to pay during the summer after Spring 2011 semester is over? I went from the university where I took out my loan to 2 different schools for Fall 2010 and Spring 2011 semesters. Yes, I have been enrolled.

RAL denial from liberty tax service? I applied for ther 24-48 hour RAL.I was denied I dont know why, I do not owe IRS Child Support or any student loans. I received the visa debit card from liberty tax service. When my federal refund be direct deposited to that card or will it be a check? I have never been denied a RAL. I did owe IRS last year and paid it then.

Is there a lender that loans $3,000 with bad credit, no collateral? Looking for any non-matching services.? I am looking to borrow $3,000 to get out of debt and need to do it fast. I currently am stuck with bad credit and only home goods...such as a plasma tv, stereo, etc. to post for collateral. Any help would be greatly appreciated. Anything I see online always leads me to websites that match me with potential lenders, then they are matching services, etc. I am looking for a direct financing lender.

Entrance Counseling Loan questions?? please help? i have a horrible memory... If I am in default on my loan, I cannot receive additional federal student aid. A. True B. False 10. If I do not choose a repayment plan, the Direct Loan Servicing Center will place my loan in the Standard Repayment Plan. A. True B. False 7. If my circumstances change the day after I receive the last disbursement on my loan, and I no longer need the full amount of my loan, I should... A. Return the funds that I do not need at the end of theyear. B. Return the funds that I do not need as soon as possible. C. Spend the money on other things. D. Keep the money in the bank and use it next quarter.

Has anyone had trouble with the customer service concerning America's Credit Union.? I'm not applying for a loan or any such thing. I'm looking for people who have had anything but reasonable dealings with this credit union. Anyone offering a loan or directing comment to a loan company or website will receive unfavorable comment on this question.

Can you help me find a broadband internet service provider? I was going to use Sprint Broadband Direct (wireless), but they couldn't get a signal in my area because of too many trees. :-( My goal is to have a higher-speed connection than dial-up, and then I will use a router in the house, so more than one person can be on the web at the same time. I would also like to have something that does NOT interfere with incoming phone calls. I have a dish for my TV, so there is no option to use a cable TV company. Any suggestions of what company has a good plan, without having to take out a loan to pay for it? AT&T does not have service in our area for DSL. I need something for the state of IL. Well, I found out that Verizon and AT&T don't have service for high-speed or DSL in my area. I think we need to go with Comcast. We have a dish right now, but might switch back to cable to get the cheaper rate for cable and internet service. Thanks everybody for your help! I'll let you guys/girls choose the best answer and get the points.

How much would one late payment affect your credit? I pay all my bills, on time EVERYTIME. Something happened this month with my online bill pay and the direct loan servicing center didnt receive my payment. I didn't find out about it until they sent me an email saying I was '14 Days Delinquent'. I called and they said they never recieved an October payment so I paid it right then and there over the phone. Now I'm panicked that this will seriously impact or tarnish my credit, which I have otherwise meticulously maintained. What do you think will happen? How bad could one late payment affect my overall score? I'm talking about my student loans here. The direct loan servicing center is where you send payments to for federal student loans.

How would you write out the following? I am frequently contacted by companies such as Direct Loans, Toyota of Escondido, North County Health Services, AT&T, University Fidelity, LP, and San Diego Superior Court requesting payments which I am not able to provide. or I am frequently contacted by companies such as Direct Loans; Toyota of Escondido; North County Health Services; AT&T; University Fidelity, LP; and San Diego Superior Court requesting payments which I am not able to provide.

Does anyone know anything about Educational Direct? I keep getting calls from this place. They are rather pushy to get me to fill out an application. I dont even know if this place is legit, because I believe Student Loan Consolidation Program is the most legit place there is. Is there a way I can get them to stop calling without talking to them? I dont really want to pay for a service just for one number.

Where can I find a payday loan that instantly deposit money into your account? I have tried so may payday services and i keep getting matching services. I just need if someone knows of a direct payday service to get only $500.00 right now? Please respond back and let me know. I would appreciate it very much if someone can help me. I am stuck in a emergency and i need some money today no later tommorrow,

How does someone that has had lots of banking experience but no mngt experience start as a branch manager? I have had a couple years teller experience and assistant head teller experience, I have had about 2 1/2 years of customer service experience and loan officer experience, and I have my insurance licenses and I'm a notary. I have coached and helped fellow employees but most Branch Manager positions require at least two years direct mngt. How do I get that If I can't find an entry level? Any suggestions..of how to get mngt experience or of any banks that have entry level managers???

What happens with my Direct Debit now I have paid off loan in full? Hi, I had a loan with a company and they took a set amount each month by direct debit from my bank account. I have just called the loan company to check how much more I had to pay on the loan and they told me the account was paid off in full last month. I asked them if it was OK for me to cancel my direct debit with my bank and they said yes. I want to cancel the direct debit but I thought I still had one last payment to make. If I was to leave my direct debit set up would they continue to pay each month until I cancel or after my loan is paid in full do they automatically stop taking it? The loan cmpany has terrible cust service and I am worried that if I cancel the Direct debit and I still owe 1 last payment that I will be charged. So I am going to leave it set up for 1 more month to be sure. After this period will they keep taking the money even though the account is paid in full until I cancel the direct debit with my bank??? Hope that makes sense. Thanks.

What's the best way to use 20,000?: Student loan repayment? I am getting 20K from the Indian Health Service to help me pay back my student loans, because I work in a rural indian health center. They make a direct deposit to me - I have about 130K in loans to pay back. As long as I have qualifying loans I can reapply each year for another 20K. If I send the money directly to the loaner and take 20K off the top, my monthly payment will only reduce about $150/mo if I'm lucky. If I bank the 20K instead and use it for monthly payments of say, $1500/mo then I could keep what is NOW coming out of pocket ($850/mo) to increase my personal income - which is desperately needed. So, bottom line there is I would be increasing my payments by 650/mo. Question is, would this be better for me or worse in the long run due to compound interest rates? $150/mo decrease in monthly payments with 20K off the top of 130K owed. OR bank the 20K and increase monthly payments 650/mo. HELP! My loans range from 8% for state loans (80K) and 3-4% federal loans 50K. HELP!

Pulman Financial Services Loan? Pulman Financial Services 291 Malden Street Malden, MA 02148 1-877-570-2835 www.pulmanfinancialservices.com i have been approved by this lender for 20,000 dollars and they want a 1000 dollar down payment by money gram if i want the loan direct deposited in my bank or i can send a check and wait 7 days has anybody used them or know if their even a real company ive never heard of them and its seems to good to be true because i have poor credit

Student loan/ financial aid question? Alright as I was looking at my credit report.. I sadly saw all my government student loans which gratefully don't add up to much. Anyways I saw some from Direct Loans and National Education Services which say they have been closed and sold before I even start paying on them. So my question is when I graduate (next Spring) what happens to those loans? Who has them? All I see is the rest of my loans from the past 4 semesters. I know my school changed the loan company so not quite sure if that had anything to do with it. Also what happens after I graduate? Do I get one big bill to pay off the gov loans or what happens? What also happens if I go to grad school? Just trying to get these questions out of the way. Thanks

Are there any services available to administer the collection of a private loan between friends? I have lent a fairly large amount of money to a friend and he is paying it back slower than agreed. I would like to have a third party service perhaps set up a direct deposit into my account and/or make collection calls and sent notices if the payments are late.

has anyone used a service called CreditPlus Rewards I need information on who owns this company and phone #.? This company uses the phone to contact people who have applied for a payday loan and offers them cash, credit cards and a auto road service card. They may call you direct or send an e-mail. They offer to send you $500.00 and then they will deduct $129.00 leaving you about $370.00. They take your money the next day but you will not get the $500.

Where's the best place to open a high yield savings account online? I always hear ING Direct but I think E-loan has one that's quite a bit higher so I'm leaning towards that one. How is there service and what else would you recommend?

I'm on disability, I want to buy a house for me and my family. Anybody know of some group of people to help me? I get disability payments but my credits not beautiful because I was broken for eight years before the government realized I was. Couldn't work, couldn't pay bills. I need something like social services that can direct me to a loan officer that can help.

Does this reply mean that my parent qualified for the PLUS loan? Serious answers only please... I know it's long, so thanks to anyone who can bear with me. I'm a US student going overseas to study at university in the UK. The university I am attending offers student loans of $5500 if you have a low EFC and are a dependent student, but says that if your parent doesn't qualify for a parent PLUS loan then you can apply as an independent student to receive $9500. I wanted to qualify for the full $9500 loan, so I asked my mom to apply for the parent PLUS loan assuming that she wouldn't get accepted because as far as we know, both she and my dad have always had terrible credit and my mom is currently unemployed. Well, she applied for the PLUS loan, and after entering her information and agreeing to a credit check there came this reply (to all intents and purposes, my mom will now be christened BLABLA): Dear BLABLA, You are approved to borrow a Direct PLUS Loan, pending the receipt of additional loan records from the school you or the student attends. This determination is based on the results of a credit check with: EQUIFAX INFO SERVICES LLC P O BOX 740241 ATLANTA GA 30374 (800)685-1111 The pending loan records must be received within the next 90 days. If the loan records are received more than 90 days after the initial credit check, a new credit check will be conducted to determine your continued eligibility. If you have questions regarding the next steps, the status of your loan, when the loan will be disbursed (paid out), or no longer wish to receive the loan, contact the school's financial aid office. After the first disbursement of your loan has been made, your loan will be assigned to a loan servicer and you will be provided with the servicer’s name, address and contact information. Your servicer will service, answer questions about, and process payments on your loan after you enter repayment. Sincerely, U.S. Department of Education Federal Student Aid William D. Ford Federal Direct Loan Program Okay, so I am completely new at this process... I don't know if the PLUS loan comes through the school or the government, and from what it seems here my mom qualified for the loan? Am I right in thinking that? She received an email saying that the university should be notified in the next 24 hours, is it up to them whether she qualifies or do they just set the amount? We were both surprised when it said she had passed the credit check, I was hoping to get some insight from anyone who has dealt with this before. Thank you to anyone who can help. For the person who answered first, we didn't expect that since she has bad credit and is unemployed she would get accepted.... but I myself couldn't qualify for the full loan amount unless she were denied. Any loan that my parents receive will be my responsibility to pay off (IF they even receive any loan money)... I would never stick my parents with such a responsibility, I am a responsible person and know perfectly well that I, myself can make every payment on time... my parents are not fools, they are just people who care about their daughter and know that I am responsible enough to take on making the payments.

Mortgage broker vs. direct lenders? We are in contract on a house. We've been working with a local mortgage broker recommended by my RE agent. She's been very helpful to us in recommending types of loans, organizing our paperwork, and getting us pre-approved. She also took care of getting us a HELOC that we needed (without getting paid for that service, I think). I've been doing some rate shopping today. It looks like we could get a better deal through a direct lender than with our mortgage broker. The broker quoted us a 7/1 jumbo ARM at 6.125% and a 30-yr fixed jumbo at 7.125%, both with 1 point. I've spoken with Countrywide and Quicken Loans, and they are quoting me roughly 6% on the 7/1 and 7% on the 30-yr fixed, both with 0 points. So, two questions: 1) I'm feeling guilty about going with one of the other lenders after this mortgage broker has been so helpful to us. What do you think? 2) Why the difference in rates between the lenders and the broker? Is there a catch? Thanks! Update, Thursday 3/6. Thanks, everyone, for the responses. I've done a little more digging, and -- surprise! well, not really -- the rate my mortgage broker was quoting was actually pretty good. Turns out, she was qualifying us for essentially a "stated income" loan, because we won't sell our current house till after we've closed on the new one. So, all those lower rates I heard from other lenders wouldn't actually be available to us. Lessons learned? 1) My mortgage broker really should have been more clear in explaining the circumstances of our loan; 2) I should have called her as soon as I saw lower rates and asked why hers were higher; 3) lots of loans sound good at first, until you really start digging into the details.

Advice on creating a non-profit FAA Part 135 non-scheduled air charter service? I have the opportunity to go into business with my cousin/colleague by buying out a small FAA Part 135 non-scheduled air charter business in Interior Alaska that we are both employed as pilots for. The company has a fuel truck, a Cessna U206F Stationair 6 on wheels, and floats for it are included. There is also a Piper PA-12 Super Cruiser on wheels, that is not included in the sale. The owner is willing to sell the whole company to us for $120K, not including the PA-12. He will take $20K down and finance us at 7% for 5 years. As of yet, neither of us has the financial means nor have been able to secure loans to outright buy the business or cover the $20K down payment. The company has been in operation for 30+ years and the current owner (son of the original founder) is ready to hang up his hat and retire (he has made a very well living from his airline and other business ventures). This company once was much larger, with scheduled flights throughout Interior Alaska, many more aircraft, and pilots. Due to various reasons including slower business in hunting/guiding operations, closings of nearby goldmines and general economic recession, flying business in Alaska is not as profitable as it once was. However, once aspect of the business has not seen recession. That is of local residents and natives needing to travel through the state for personal/medical/professional reasons. Through my own observation throughout my life, and being an Alaska Native myself, (mostly Yupik Eskimo along with a few Eurpoean descents) I think a non-profit orginization providing air transportation services to the peoples of Alaska (native and non-native) would better serve the interests of the residents in a state that almost completely depends on aviation for normal day-to-day life as well as emergency medical service. I was raised in Alaska, around aircraft, have been flying for over 10 years with 6 years professional experience and have watched the cost of flying within the state more than triple. Having the professional experience I do, as well as professional contacts as managers and pilots, (current and former) of several air carriers in the state, I also know of the direct and indirect operating costs and the profit margins associated with operating aircraft charter businesses. From my experience profit margins of $100-$200 per hour of aircraft operation are very common (small business, low-overhead, to larger high-overhead part 135 scheduled operators). My former employer operating a scheduled commuter/charter business with 2 Piper Cherokee 6's and a Piper Navajo Chieftain was netting just over $200,000 in profit annually, with just 2 pilots, the owner and myself. I understand costs of an airline, including office overhead, aircraft loans, fuel, maintenance, pilot payroll, insurance, as well as other maintenance surpises unavoidable with aircraft. My question is, could it really be feasible to run a non-profit airline, or are my figures a bit off the mark? Many airlines (both large and very small) have failed miserably trying to MAKE a profit. Could an airline survive by being able to substantially lower prices while remaining solvent, and would this really make enough difference to ramp up business enough to be successful? I am working on a business plan to pitch to the board of directors of my native corporation to gain interest in such a venture. Operating a non-profit flightschool run completely on grants and scholarships to increase local/native hire is another vision of mine (I earned my commercial pilot ratings the hard way, blood, sweat, and tears to pay for school) Applying for grant and scholarship funding was nothing but a waste of time and a hinderance to achieving my goals. Even in a receding economy, aviation will not go away in Alaska. I would really appreciate input on this matter, thank you all who took the time to read through this long-winded question. If any of you have a better idea, I'm open to suggestions. I guess I meant creating a non-profit orginization that would own this part 135 operation, (I'm no business major, correct me if needed)

How do I get a grant to start a non profit charity for kid's? I have an idea to get children interested in reading. I would love to start out with elementary children and children in hospitals and orphanages. With this idea I would need a grant instead of a business loan. I do not want to go through a company or website that I will have to pay for grant information or help. Are there any websites that will help me out for free? A site that will give me direct info or talk to a customer service rep?

anyone no any good loan companies for poor credit ratings? im looking for a loan, but all these companies seen to offer services and just pass you on to another company. does anyone no any good companies that offer a direct loan? no ccjs or anything like that but iv missed a few payments......no judgment please! thanks

Why do we allow the Federal Reserve bank to control US money, not Congress as the Constitution instructs? Our system of money and taxes is so secretive and complicated for the sole purpose of swindling middle and lower class citizens into being unfairly burdened with taxes to pay a national debt based on interest charged to the Federal Government for loans that fund the continuing war in Iraq. Federal Income tax does not pay for services provided by the State, those are direct taxes. Federal income tax pays for the interest imposed by the privately owned Federal Reserve Bank. Please watch Aaron Russo's documentary on Income Tax and then answer the question. Isn't true that if disagreed with Congresses handling of the economy, you could vote for a new candidate the next election cycle. With a privately owned Federal Reserve Bank, you can't even see a public record of it's decisions and participants. I'm sorry but that is not what the Constitution instructs. Why do people feel more comfortable with unaccountable invisible men controlling the monetary system of our country and not elected representatives who can be held accountable for their decisions? Section. 8. of the US Constitution The Congress shall have Power To lay and collect Taxes, Duties, Imposts and Excises, to pay the Debts and provide for the common Defence and general Welfare of the United States; but all Duties, Imposts and Excises shall be uniform throughout the United States; To borrow Money on the credit of the United States; To regulate Commerce with foreign Nations, and among the several States, and with the Indian Tribes; To establish an uniform Rule of Naturalization, and uniform Laws on the subject of Bankruptcies throughout the United States; To coin Money, regulate the Value thereof, and of foreign Coin, and fix the Standard of Weights and Measures; Why do we ignore the constitution and assume the responsibility and instead trust unknown bankers?

Is Capital Direct a good company, we are planning to use their services for debt consolidation purpose. Help.? We need advice pls, or any good ideas pls. Is equity loan taking safe.

IRA Network - Investors Resource Alliance - business plan service + investors? I have an online business and am currently seeking seed or equity funding through angel investors or other venture capitalists. I am NOT interested in an SBA or other business loan, nor "building business credit" services - I don't need or want business debt. I submitted an executive summary of my business plan to an investment group called Investors Resource Alliance or "IRA Network" and received a fairly positive response. Out of a dozen submissions to companies which match entrepreneurs to investors and many direct submissions to venture capital firms, this was the first to express real interest. Before I can be submitted to their network of some 5,000 investors, they want to rewrite my executive summary, as well as my business plan. The service they're offering costs $3,500 (some of which can be deferred) and includes the business plan, PowerPoint presentation, project due diligence, marketing research, one-page overview, etc - basically every document I would need to be submitted to investors and make effective presentations. Their sample business plans look very professional, are 30+ pages in length and include all necessary sections. The IRA Network has been operating for 15+ years and claims to have secured funding for hundreds of companies each year. I looked them up with the Better Business Bureau, and while they have some complaints, they have an A+ rating after resolving or attempting to resolve the complaints to the satisfaction of the BBB. They are a BBB accredited business. My question - is $3,500 a reasonable up-front cost for this business plan and investor submission service? IRA Network would also take a 5% cut out of the capital I may get as a result of their direct efforts as well. That's their real motivation - to take 5% of the $500,000 in funding I am seeking, which I am OK with. I could potentially get my company in front of 5,000 investors, and my business plan, executive summary, etc. definitely need to be rewritten by a professional. Are there other services that write professional business plans and submit them to investors for less? FYI - my company has already been founded, the website launched and tested, and I've attended counseling and several classes with SCORE. So, I'm not completely green about running a company and attracting investors, although this is my first business. Any help or comments are welcome. Please don't post SPAM from your business lending company!

Where to find a list of companies/ lenders that offer loans to people with bad credit? I have Googled, I have ASKed, I have called. I had no luck. I am looking for companies that offer loans to people (like me) with bad credit. Please do not send refferal service which charges fees and provides no loan results. I've already been scammed. I prefer direct lenders/companies. All feedback is appreciate it. Please do not answer the question, if you do not know the answer. Thank you!

Can anyone help with economics? Chapter 1 Introducing Money and the Financial System 1.1 Multiple Choice Questions 1) All of the following were events in the financial world in the early 2000s EXCEPT A) fears of deflation in Japan, the Eurozone, and the United States. B) governments of Eastern Europe abandoned communism. C) Argentina defaulted on its public debt. D) the value of the dollar declined significantly. 2) The financial system is primarily a means by which A) borrowers can use savers' funds until the savers themselves need the funds. B) money is put into circulation. C) the government puts into operation its plans for the economy. D) business firms distribute their goods. 3) Which of the following is NOT a financial instrument? A) a bond issued by Google B) Wachovia Bank C) A home mortgage loan D) a certificate of deposit 4) If you buy a bond issued by Intel, the bond is a(n): A) liability to Intel and an asset to you. B) liability to you and an asset to Intel. C) liability to both you and Intel. D) asset to both you and Intel. 5) Why would a saver with $10,000 be more likely to put it into a bank account than to lend it directly to a borrower? A) Direct loans of that sort are not legal in the United States. B) Banks pay higher interest rates on deposits than individual borrowers are likely to pay to individual lenders. C) It is easier and less risky to save money in a bank account and allow the bank to serve as a go-between with potential borrowers. D) Interest received from a bank is deductible on the federal income tax, whereas interest received from an individual borrower is not. Question Status: Previous Edition 6) Formerly in Eastern Europe and the Soviet Union, funds were transferred between savers and borrowers primarily through the A) banking system. B) stock market. C) bond market. D) government. Question Status: Previous Edition 7) The experiences of Eastern Europe and the former Soviet Union have demonstrated that A) using private networks in a financial system to channel funds from savers to borrowers is not a good approach. B) using the government to channel funds from savers to borrowers is not a good approach. C) the government can be very effective in increasing private saving. D) savers are usually willing to lend greater amounts than borrowers wish to borrow. Question Status: Previous Edition 8) Which of the following is NOT a key financial service provided by the financial system? A) Risk sharing B) Profitability C) Liquidity D) Information Question Status: Previous Edition 9) Economists define risk as A) the difference between the interest rate borrowers pay and the interest rate lenders receive. B) the degree of uncertainty of an asset's return. C) the ease with which an asset can be exchanged for other assets or for goods and services. D) the difference between the return on common stock and the return on corporate bonds. Question Status: Previous Edition 10) Economists define liquidity as A) the difference between the return on the asset and the return on a long-term U.S. Treasury bond. B) the fraction the asset makes up of an investor's portfolio. C) the ease with which an asset can be exchanged for other assets or for goods and services. D) the difference between the total demand for an asset and the total supply of the asset. Question Status: Previous Edition 11) Which of the following assets is the most liquid? A) Money market mutual fund B) Computer C) Washing machine D) U.S. Treasury bond Question Status: New 12) By providing and communicating information, the financial system A) reduces the difference between the return on three-month U.S. Treasury bills and the return on thirty-year U.S. Treasury bonds. B) relieves individual savers from the necessity of searching out individual borrowers. C) eliminates the risk in investing in the stock market. D) guarantees investors a reasonable return on their money. 13) Which of the following statements is correct? A) The financial sector is a large source of jobs in the U.S. economy, but a relatively small source of jobs in other major economies. B) The financial sector is a relatively small source of jobs in the U.S. economy, but a large source of jobs in other major economies. C) The financial sector is a large source of jobs in the U.S. and other major economies. D) The financial sector is a relative

Where can I find a list of companies/ lenders that offer easy fast loan personal? I have Googled, I have ASKed, I have called. I had no luck. I am looking for companies that offer loans to people (like me) with bad credit. Please do not send refferal service which charges fees and provides no loan results. I've already been scammed. I prefer direct lenders/companies. All feedback is appreciate it. Please do not answer the question, if you do not know the answer. Thank you!

If i work Direct Loans as a Customer Service rep.... will i get a discount of my Federal Student Loans?!?!? will i get a discount of my Federal Student Loans?!?! I know other companies give discounts for their employees... do you think Direct Loans would? What do you think?

Which of these items will actually stimulate the economy? Which will most egregiously NOT help the economy? This is what's actually in the Recovery Bill. http://wsbradio.com/blogs/jamie_dupree/2009/02/spending-in-the-stimulus-bill.html $24 million for construction and repairs to US Department of Agriculture facilities $22.5 million for the USDA Inspector General for oversight on the stimulus bill $176 million for deferred maintenance on US Agricultural Research Service facilities $50 million to modernize and maintain the IT system of the Farm Service Agency $290 million for "Watershed and Flood Prevention Operations" $50 million for "Wastershed Rehabiliation Program" $1 billion for rural housing direct loans $10.4 billion for rural housing guaranteed loans $2.5 billion for rural distance learning, telemedicine and broadband $100 million in grants for National School Lunch Program equipment assistance $150 million in agricultural commodity assistance $1 billion for the Census Bureau $4.7 billion for "Broadband Technology Opportunities Program" which includes $350 million for the development of a "broadband inventory map" $650 million for Digital TV converter box program $220 million for Scientific research at the National Institute of Standards and Technology $360 million for Construction of scientific research facilities $230 million in extra budget money for the National Oceanic and Atmospheric Administration $600 million for NOAA "Procurement, Acquisition and Construction" $225 million in grants for programs to combat violence against women $2 billion in state and local law enforcement assistance grants $225 million in grants to improve the criminal justice system $225 million in law enforcement assistance to Indian Tribes $100 million for the "office for Victims of Crime" $125 million in law enforcement assistance for rural areas $50 million in state and local grants to combat internet crime against kids $1 billion for the COPS program $400 million in operations budget money for NASA $150 million for "Aeronautics" at NASA $400 million for "Exploration" at NASA $2.5 billion for research at the National Science Foundation $100 million for NSF "Education and Human Resources" $400 million for NSF "Major Research Equipment and Facilities Construction" $1.4 billion in Army "Operation and Maintenance" $657 million in Navy "Operation and Maintenance" $113 million in Marine Corps "Operation and Maintenance" $1.09 billion for Air Force "Operation and Maintenance" $98 million for Army Reserve "Operation and Maintenance" $55 million for Navy Reserve "Operation and Maintenance" $39 million in Marine Corps Reserve "Operation and Maintenance" $13 million for Air Force Reserve "Operation and Maintenance" $266 million for Army National Guard "Operation and Maintenance" $25 million for Air National Guard "Operation and Maintenance" $75 million each for Army, Navy, Air Force "Research, Development, Test and Evaluation" $400 million for "Defense Health Program" $2 billion for Army Corps of Engineers construction $375 million for Army Corps projects on the Mississippi and tributaries $2.07 billion for Army Corps of Engineers "Operation and Maintenance" $100 million for "Formerly Utilized Sites Remedial Action Program" $1 billion for Interior Department "Water and Related Resources" $50 million for Central Utah Project Completion Act $50 million for California Bay-Delta Restoration Act $10 million to inspect canals in urban areas $16.8 billion for Energy Department, "Energy Efficiency and Renewable Energy" $5 billion of that goes for "Weatherization Assistance" $4.5 billion to improve the nation's electricity grid $3.4 billion for "Fossil Energy Research and Development" $483 million for "Non-Defense Environmental Cleanup" $390 million for "Uranium Enrichment Decontamination and Decommissioning Fund" $1.6 billion for "Science" $6 billion "Innovative Technology Loan Guarantee Program" $5.12 billion for "Defense Environmental Cleanup" $7 million for oversight of "Making Work Pay" tax credits and payments in this bill $80 million to implement health insurance tax credit plan $5.5 billion for the "Federal Buildings Fund" $300 million to buy energy efficient vehicles for the federal government $200 million to consolidate the Department of Homeland Security Headquarters $100 million for hi tech border security technology along the Mexican border $420 million for construction of US Customs land border ports of entry $20 million for tactical communications equipment for immigration enforcement $1 billion for Aviation Security (explosive detection equipment) $98 million for improvements to Coast Guard shore facilities $142 million for "Alteration of Bridges" $150 million in FEMA Public Transportation Security Assistance grants $150 million for Port Security Grants $210 million in grants to upgrade non-Federal fire stations $125 million for Bureau of Land Management activities $180 million for Bureau of Land Management construction $15 million for Wildland Fire Romare, obviously not all economist think it will stimulate the economy. Take a look at http://www.cato.org/special/stimulus09/cato_stimulus.pdf where 200 economists sign a full-page ad saying that government spending is not the way to improve the economy.

Has anyone received a bad credit loan without a co-signer and no money down? If so, with whom? have Googled, I have ASKed, I have called. I had no luck. I am looking for companies that offer loans to people (like me) with bad credit. Please do not send refferal service which charges fees and provides no loan results. I've already been scammed. I prefer direct lenders/companies. All feedback is appreciate it. Please do not answer the question, if you do not know the answer. Thank you!

My husband was receiving a garnishment for his student loans, its paid now and they're still taking money.. ? after a month later and numerous phone calls. I don't know where to go from here because payroll will not stop taking the money out unless they receive a letter from AES (American Education Services)stating to stop because it was a student loan. Its been almost over a month now and AES said they will fax a letter but they haven't and then claimed that they mailed the letter over 10 business days ago but payroll still hasn't received anything, btw AES was given payrolls direct fax line several times. I'm at a loss here because the account is paid in full and they keep taking a great deal of money out of his pay check. What can I do?

Student Loan Rehab Programs whats next? Hi! I started in two rehab programs (GRC & GC Services) in March 2008 and was told I would complete the term in November. But I just received a letter from GC stating they recently received payment towards completing my agreed rehab program and on behalf of NSLP, thanking me for timely payments etc...Doesn´t it last 9 months? What is the next step? Should I request a loan consolidation thru Direct Loans? Are these legit, have been reading a whole lot of info regarding complaints, harrasment and no credit to account

Obama Could Do Better, Right? How about this idea? Instead of filling all the Plum Book jobs with campaign workers, how about a couple of dozen outsiders? Obama's main problem is not that his political appointees in the Agencies are inadequately alligned with him or with the West Wing. His problem is that nothing is getting done. Too many thumb sucker with egg heads. Or too many egg suckers with thumb heads -- it's hard to tell, but let's just say talking and doing are not the same -- having a seminar about something is not the same as accomplishing the mission. So how about two dozen Marine colonels TAD to the various agencies in Level I or Level II appointments, fleeted up to One Star (Brigadier General) rank for the duration of the TAD. They get their mission statements directly from the West Wing, and when obstructions get in their way, they get letters of Instruction to the Cabinet Secretaries causing the obstructions to be quickly, simply, and cheaply removed (hopefully on a same day, confirm back, basis). Marine Generals would add an element of forward motion to the Obama Administration. Nobody in the Agencies has any idea what they want or what the West Wing wants, so the issue of keeping everybody perfectly alligned ideologically is just a non-issue. The Real Problem is lack of action. Nothing gets done TODAY! -- before the Sun Goes Down Today! Before any of You Go Home Today! There's nobody out there that knows how to make anything march. Marine Generals do. They would get the job done. Getting something done (besides another seminar) is key. Delivering rhetoric is good, but it's not the same as delivering performance. At least four of these Marine Generals should be TAD to the SBA to do micro lending. These would be direct loans by the SBA (not through a bank) to aspiring entrpreneurs. To assure a low level of defaults, the borrowers would have to meet certain academic qualifications -- a business related degree, from an accredited school, in a business subject like accounting, marketing, manufacturing, sales, export/import, product design, etc. The idea is not to make the loans elitist, by only lending to transcript qialified people. The idea is to make the loans fast, and to make the loans have a low default rate (under 25%). 20,000 loans in each state -- high velocity of money -- start-ups need everything, employees, services, equipment, inventory, etc 50 states, so One Million loans $25,000 per loan, so $25,000,000,000 for the program 25 Billion is the cost of one NYC Bank Wall Street Bank Re-Capitalization Bite per the TARP program. Those bites did nothing for anybody. They just re-capitalized the Greedy Banks so the Executives could get their 7 figure pay and 7 figure retirements. Thanks Henry Paulson, we love you here on Wall Street. And Geithner, we love you too! 25 Billion plus four Marine Generals to the SBA -- they could rejuvenate the US economy from the ground up. With 4 recycles of the money it comes out a $100 Billion stimulus impact. Four million new businesses across USA, run by people who, at least know enough to run small businesses, as established by their transcripts, which can be collected and checked out very quickly. This is a program that could be done in 30 days, but not by thumb suckers, not by seminar leaders, not by eggheads. Send in the marines --- ooooo..rahhhh! No tehabwa having a business degree is no guarantee. It is, however, a way to select loan qualified people if 1) you want to spend no more than 15 minutes on each approved loan and 2) you want to keep the default rate to 25% or less. These are micro-loans ($25,000). The policy concept is to recycle the money four times before it all gets defaulted out. So you get a hundred billion dollar stimulus impact out of a mere $25B investment. The states are not all equal, but the Senators all have equal votes so fairness is getting something done instead of nothing done. If you don't have a today-oriented time focus, I sincerely hope you are not in a policy position. We have way too many Manana People in government --- nothing really matters as long as your paycheck gets delivered every two weeks, right? Message from the People: "Tick, Tock" In a crisis stimulus situation time is the main thing that matters. That's why the 15 minute rule. No guarantee, except that it's better to do, than not do

can somebody tell me what's going on with this news article or maybe summarize it? please? House and Senate negotiators reached a compromise late Wednesday on a bill that makes sweeping changes to the federal government's college financial aid programs. The bill cuts the interest rate students pay on subsidized Stafford loans by half over four years and increases the maximum Pell grant for needy students. Under a new program, starting in 2009 borrowers won't have to devote more than 15 percent of their discretionary income to student-loan repayments, although any unpaid amounts will be added to the loan balance in most cases. The bill also establishes a tuition-assistance program for students who commit to teaching high-need subjects in low-income public schools and a loan-forgiveness program for other public-sector workers. Congress intends to pay for these and other programs by cutting the subsidies it pays to private-sector lenders who make federally guaranteed Stafford and Plus loans by $20.9 billion over five years. Lenders have said these cutbacks will force them to curb benefits they have been offering, such as waiving or discounting origination fees and reducing interest rates for borrowers who make on-time payments for three or four years. Very few borrowers qualify for the interest-rate cuts and they're not offered to students at all schools. The bill, HR2669, incorporates provisions of bills passed earlier by the House and Senate and has been renamed the College Cost Reduction and Access Act. The compromise bill now goes back to the House and Senate for approval and then to President Bush. While Bush has endorsed most aspects of the bill, his administration has opposed certain provisions, such as reducing Stafford loan rates. Here's a closer look at some provisions of the bill, sponsored by Rep. George Miller, D-Martinez, and Sen. Edward Kennedy, D-Mass.: Stafford loan rates: The bill would reduce the interest rate on subsidized Stafford loans by half over four years. Subsidized loans go to students who demonstrate financial need. The rate cut would be phased in starting July 1. It would go from 6.8 percent today to 3.4 percent by 2011. In 2012, it would jump back to 6.8 percent unless Congress intervenes. The rate cut only applies only to new subsidized Stafford loans, not ones that students have already taken out. It does not apply to unsubsidized Stafford loans, which students can take out regardless of financial need. Income-based repayment: Starting July 1, 2009, borrowers would not have to devote more than 15 percent of their discretionary income to repaying Stafford student loans. This applies to both subsidized and unsubsidized Stafford loans, regardless of when the loans were taken out. If a borrower is making reduced payments on a subsidized loan, the government will pay the unpaid amount for up to three years. After that, the unpaid amount will be added to the loan balance. For unsubsidized loans, all unpaid amounts will be added to the balance. After 25 years, all borrowers who are in this income-based repayment program will have any remaining balances forgiven. The new program means "you don't have to hold back from taking a job teaching or being an entrepreneur" because you can't repay your loans, says Robert Shireman, executive director of the Project on Student Debt. Pell grants: The bill would increase the maximum Pell grant, which generally goes to families making less than $40,000 or $50,000 per year. The maximum Pell grant would increase by $1,090 over the next five years, reaching $5,400 by 2012. Unlike loans, Pell grants do not have to be repaid. Teacher tuition assistance: Undergraduate and graduate students who commit to teaching certain subjects, such as science and math, in low-income public schools for at least four years can receive up to $4,000 per year - for a total of $16,000 - in tuition assistance. Students must maintain at least a 3.25 grade point average to be eligible for this program, which would start next year. If students don't fulfill the teaching obligation, the assistance becomes a loan they must repay, according to Miller's office. Loan forgiveness: Borrowers who work in other public-sector jobs such as the military, law enforcement, firefighting, nursing, public defenders, librarians and early childhood teachers can have any balance on their student loans forgiven after 10 years of service and loan repayment. To take advantage of this program, borrowers must have direct student loans or consolidate their loans under the government's direct-loan program. This program begins July 1. Plus loan auction: In a controversial move that marks a big departure from current practice, starting in 2009 the government would auction the right to provide government-guaranteed Plus loans to parents. In each state, the two lenders that offer the best deal to the government would provide all parent Plus loans in that state. Today, all qualified lenders can offer Plus loans and parents can choose any lender they wish. This change would not affect the interest rate parents pay on Plus loans, but it would limit their selection. The auction process would not apply to Stafford loans nor to Plus loans offered to graduate students. Net Worth runs Tuesdays, Thursdays and Sundays. E-mail Kathleen Pender at kpender@sfchronicle.com. This article appeared on page C - 1 of the San Francisco Chronicle

Where can I find how to pay my auto loan if my finance company has gone out of business? They've given no notice via phone or mail. I've just called into the customer service line to make my payment over the phone and a recording directs me to another number, stating that the company is no longer in business... The other number just rings with no answer, recorded message or option menu.

I want to know if theres any kind of catch to this "Financial Direct Grant"? this is exactly wht the letter says. and inside was enclosed a check for quite a sum of money. On behalf of The Grants Association, we are roud to announce that your grant in the amount of $50,500.00 has been approved. This Grant is not a loan to you. It can be used to start a small business, pay tuition fees, make a down payment on a home, and do housing repairs or to pay medical expenses. Your approval documentation was sent to our company by the Grant Broad of Commission from the processing office. Everything was evaluated by our legal department and this leaves you the sole beneficiary of this grant. A check for $2,950 has been enclosed to enable you to pay the International clearance fee and our commission fee of $5,500.oo deducted from your grant, a certified check in the amount of $45,000.00 will be forwarded to your mailing address. Please contact your agent at [number] immediately and he or she will verify with you to prevent any delay in the release of the grant to you. Once your payment is confirmed, and the deduction of our commission fee is made, you will recieve your balance within 2 business days through DHL, FEDEX, or UPS services. Thank you and congratulations from all of us at FINANCIAL DIRECT GRANT. ok i know thats pretty darn long. but all i really want to know is if i cash the check. is there any catch to it?. it says its to pay some kind of fee. but wht if i just cash it and dont pay the fee? I mean it is kind of hard not to cash a check when its in your hands.. (^_^) ok. so i know im not supposed to give them any info. but can i still cash the check?. and wht if i do cash the check?

Direct Deposit time line? I e-filed my tax return (single) on the 29th and it was accepted on the 30th. I called the IRS and was informed my return would be deposited this Friday. I used H&R Block’s free federal edition on their website – therefore no emerald card or loan. My bank is a full service center which is locally owned and operated. With this provided there are no 2nd and/or 3rd services for it to travel through when deposited – at least that I am aware of. I am moving out of state this coming weekend and need that money to pay off any remaining bills and would like to close my bank account here by the time I leave Sunday afternoon. So will my money be deposited directly? It’s only $800 and I personally see no other interferences with its arrival.

Can bank refuse payment, claim loan isn't ours & then sue us? 2 yrs bank knew loan was fraud- Ontario Canada Canadian bank claimed a loan on our home was not ours for 2 years. Bank didn't consult us, and eventually cancelled the direct payment from our account Nov 2005. This account was paying them and servicing the loan for almost 2 years. We sent fax and mail to bank to tell them they need to take money out ASAP. The bank refused our money for payment at teller in Ontario Bank Branch in Dec 2005. They did however take 2 or 3 payments.. Now 6 months later April /May 2006, the bank through a legal firm claims in a law suit that we refused to pay them. They are working with the fraud artist to try to take our home away from us. Note, the bank didn't do due diligence and neither did the lawyfirm who set up the loan. Person used different names to evade problems and this impacted us badly. We went to bank omnbusdman and they said an investigation was being done, but nothing took place. A bank agent contacted us after we called them, said, bank couldn't talk to us. We are not on loan

Is there a service that can help people with there finances that aren't wealthy? My fiance and I make a decent living but we can’t seem to stay out of financial trouble. Our monthly take home income is $4000 between the two of us and it never seems to be enough. Our monthly bills are estimated at $2500: •Rent- $915 •Car Payment- $550 •Child Care- $240 •Electric- $200 •Water- $75 •Phone/Cable/Internet- $150 •Cell Phones- $130 •Credit Cards- $240 We had to take out an advance from our bank that is paid for, with interest, when our direct deposit posts to the account. So on average, we pay an extra $50 for the finance/interest charge. That is every week, because my fiance is paid weekly and then twice monthly, when I am paid. We have cut back our miscellaneous spending (eating out, buying unnecessary items, getting our daughter things whenever she wants them, etc.) but we always seem to be behind. We constantly have to borrow money from family and even accepted a loan from his brother but we are always behind. Are there any companies or websites that could help us get on track? I am not looking for ways to make more money, which is always nice, but I need to know if there are services or any ideas for help.

question about payday loans? I have direct deposit to a savings account of $1100, what's a good service i can use online? i know most want a checking account, what is a lender that works with savings accounts and has phone support?