Federal Student Loan Consolidation – How Federal Student Loan Consolidation Can Benefit You

Federal Student Loan Consolidation offers many benefits to those who need help making the payments to their existing federal student loans. When you consolidate, you combine all of your existing loans into one loan usually at a lower interest rate and an extended period. Federal student loan interest rates are currently at their lowest and by consolidating you can get a fixed interest rate which is locked in for the duration of your loan.

What are some things to think about when consolidating?

The extended payment feature can be beneficial as we indicated earlier, but only if you use it wisely. If you can afford it, it is recommended that you allocate at least one-third more of the monthly payment in order to not incur more interest fees over the life of your loan. Again, only put more towards the monthly payment if you can afford it. You won’t incur any penalties in prepayment should you continue to put more towards your monthly payment than the minimum.

If you are in a situation where you are struggling to make the payments and have defaulted on your current federal loans, there is an option that may help you. If your are wondering what “defaulted” means, it means that you failed to make payments on your loan for either (a) 180 days if you repay in monthly installments or (b) 240 days if the payments are due less frequently. In this scenario, a FFEL consolidation loan may be the answer. Through a FFEL loan you consolidate several loans with various repayment schedules into one loan, similar to a consolidation loan. However, the repayments are set up based upon your income level. In order to qualify for a FFEL consolidation loan, you must currently be in repayment on the loan you defaulted or you have been able to make at least three voluntary and on time monthly payments in full.

One other point to consider is that many times graduates try to consolidate all their federal and private student loans into one. It’s recommended that you keep them separate as this can cause you to lose some of your federal loan benefits. One example is if you combine both private and federal loans you can lose out on the interest tax deduction benefit you get with your federal student loans. You’ll need to be careful as there are many benefits to keeping these loans separate, especially when consolidating.

So now that we’ve identified the points to consider, the following is a basic list of some student loans that are eligible to be consolidated: PERK – Federal Perkins Loans, formerly Nations Defense/National Direct Student Loans (NDSL), PLUS – Federal PLUS (Parent) Loans, SCON – Subsidized Federal Consolidation Loans, UCON- Unsubsidized Federal Consolidation Loans, SLS – Federal Supplemental Loans for Students (formerly Auxiliary Loans to Assist Students (ALAS) and Student PLUS Loans), SS – Subsidized Federal Stafford Loans & Guaranteed Student Loans (GSL), DSS – Direct Subsidized Stafford Loans, DUS – Direct Unsubsidized Stafford Loans, DPLUS – Direct PLUS Loans, DUCON – Direct Unsubsidized Consolidation Loan, including Direct PLUS Consolidation Loans.

Federal student loan consolidation is a worthwhile option and can help to lift your student loan burdens. Research lenders and with interest rates still low, you can lock in a low rate and take advantage of the lower monthly payments.

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Government and Federal Student Loan Programs offer Student Loans Without a Cosigner

If you are considering entering college in the near future you should be aware of the many different types of government and federal student loans. While many colleges do offer free student loan scholarships and there are various types of need-based financial aid and grants available; loans still make up the major portion of funding for the cost of education for most college students. Private student loans are also available; however the advantages of federal student loans usually far outweigh any benefits of private student loans; if you qualify to receive them.

Private college loans are credit based and may involve a co-signer from the students parent. You must qualify to receive a private student loan even though the loan program features are quite attractive. The National Student Loan Center or the NSLC offers many private low cost low rate college student loan programs. The NSLC also offers private as well as government student loans. An especially attractive student loan program offered by the NSLC, is the NSLC PLUS loan program; which gives parents of students the option to borrow up to 100% of their child’s cost of education. This is nice because the cost of higher education institutions is blasting through the roof every year! Armed with this type of higher education financing, a college student can fund everything from room and board to books and just have to concentrate on studies.

Government and federal student loans allow college loans without a cosigner. They are non credit based student loans. Credit is not even looked at under federal college loan programs for students. Their will always be a student loan lien on the students credit until the college loan is finally paid.

Perkins Loan

One of the most common government and federal student loans is the Perkins loan. It comes with a low interest rate of only 5% and is awarded to both undergraduate and graduate students. There are no origination fees charged for this loan and it is paid back to the school because loan funds are issued directly from the school to the student from monies provided by the government. Take a look at the following facts regarding the Perkins Loan:

Need based loan; only those students with exception financial need will qualify
Able to borrow up to $4,000 for each year of undergraduate study and $6,000 for each year of graduate study.
Loan limits are $20,000 for two years of undergraduate study and $40,000 for graduate school.
FFELP (Federal Family Education Loan Program)
This is also another common loan and features both subsidized and unsubsidized student loans. The difference between the two is that the government will pay for the interest of the student loan while the student is in school and during the grace period of a subsidized student loan while the student is responsible for the interest in an unsubsidized student loan. Additionally, students must display a financial need to qualify for a subsidized student loan while the unsubsidized student loan is non need based.

Federal Parent Loan for Undergraduate Students (PLUS)

This type of student loan is available to parents and guardians of dependent undergraduate students. Borrowers do not need to demonstrate financial need and may borrow up to the cost of attendance; minus any amount of financial aid that may be received. Loan funds are first applied to tuition and fees. This type of government and federal student loan has a variable interest rate.

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Used Welding Tools and Equipment – Ensuring Business Expansion With Enhanced Productivity

A number of top-notch companies at some point need welding tools and equipment. Different tools for welding include gas and LPG engine welders, diesel engine welders, stick welders, multi-process welders, spool guns, TIG welders, Automatic wire-feeders and many more. Being very expensive, businesses do not prefer to buy them but instead rent them. Numerous suppliers of welding machines, equipment, and tools provide the service of renting and leasing them.

Welding Equipment and Their Functions:

Gas and LPG welders: these operate with engines offering different wattage and amperages. Allowing users to combine AC or DC welding, you can use it as auxiliary power for grinders, lights, and many other tools.
Positioners and manipulators: a wide range of welding manipulators and tailstock positioners offer higher efficiency and safety. Headstock positioners handle time consuming pieces across a horizontal centerline.
Generators: the generators cater fully engine-driven generators comprising natural gas, diesel, and dual fuel as well.
Specialty equipment: a varied assortment of specialty equipment is useful for manifold purposes such as electrodes ovens, compressors, flux holding ovens, gas cylinder cages and much more.
Induction systems: The induction system is highly efficient and operates on heating without contact.

Advantages of Renting Welding Machines

Reduced costs of equipment and other welding tools.
Minimize costs of machine repairs and maintenance.
Eliminating the need of freight cost, storage and handling requirements.
Use the freed capital in manifold beneficial ways.
Advantageous processes of welding and latest technology used in equipment leads to the growth of business.
No need to pay fees for licensing and other taxes as well.

Benefits from trusted supplier

Though many suppliers are available in market to choose from, yet it is an intelligent option to select most reliable and trusted one for renting or leasing welding machines and other related tools. They offer various benefits to you as:

Wide range of products: They offer a wide range of products for your specific requirements. In case some equipment is not available, they quickly make it available.
Diversity in products: welding tools and equipment comprise welding positioners, welders, and other equipment related to equipment like electrode ovens, pipe bevellers, plasma cutters etc.
Expert assistance: Customers aware of their needs get advice regarding particular product fitting their needs.
Reliable performance of equipment: They have both new and used products but all machines and equipments are engineered and serviced to withstand extremely powerful performance and durability even in harshest conditions
Financing facility: They proffer financing facility for short and long-term rentals of welding machines, tools, and equipment. They have customized programs for lease and fleet outsourcing.

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Consultant – 4 Most Important Tools and Equipments For Freelance Consultants

This article is for those individuals who are seriously considering starting their career as freelance consultants. Here are the tools and equipments that you need to get started:

1. Internet, software, and computer. It’s very important that you have reliable internet service provider and a computer (I recommend that you get a laptop and a personal computer, it’s nice to have a back up after all) as you want to be online as much as possible. You may need to invest money to get computers that have the latest features that are compatible with hardware and software that you need to use.

2. Website. You will need to create your own website where interested online users can get information about your consulting services. It’s very important that this speak volumes about your expertise and your credibility. I recommend that you create an online portfolio that contains your credentials and testimonials of your previous customers as these can surely influence the buying decision of your potential customers.

3. Blog, autoresponders, sales pages, and squeeze pages. You will need all of these to disseminate information, connect with your prospects, and capture the contact information of your web visitors. If you are clueless about these things, I recommend that you do your research online where you can get more than enough information to understand how these tools can help you in this endeavor.

4. Phone and long distance calling plan. As you’ll most likely to call your clients on a regular basis, I recommend that you sign up for unlimited calling plan with your phone service provider so you can save a lot of money in the long run.

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Choosing the Right Tools and Equipment – How to Write Review Articles on Hand and Power Tools

Whenever we set out on a “do it yourself project” we know we have to make sure that we have the tools and equipment we need in our inventory, workshop, or garage to handle the process. There’s nothing worse than having the wrong tool, and trying to make do, or having an insufficient tool of low quality that does not work, or breaks. It is indeed completely aggravating, and it not only slows us down or puts us back a day in our home improvement projects, but it also sends us to the store to spend more money to buy the right tool.

This is quite a dilemma, problem, and challenge for a good many folks like me who like to do their own home improvement projects. However, in any type of chaos or crisis there is always an opportunity. In fact, as an online article writer with over 18,300 articles, I’ve seen such challenges in my personal life, as an opportunity to write an article about it.

After all, each and every experience that we have is a lesson learned and something we can pass on to others. Writing online articles to pass on knowledge is a very noble thing to do. If you have a tool that breaks, or have to go through the process of studying all the potential tools to use in a given project, you should write it down every step along the way. Then you should put it all into an article.

The first important thing you need to remember, is to put important key words that people might search on the Internet when they have the exact problem that you had. These words should be in the title of your article and in the very first paragraph of your article. Next after explaining the problem or challenge; write about the solution, what you’d learned. How the finished product came out better because you used the right tool.

Having done this a number of times, I’ve often gotten e-mail feedback from my readers thanking me for saving them the time and not having to learn the lesson, or have the problem that set me back. Please consider all this.

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Choosing The Right Survival Tools and Equipment

It always seems like this is the time of year when stores have their pallets of food out for sale. From canned tuna fish, to powdered eggs and milk. But the biggest problem is that you should be stocking up and survival tools and equipment all throughout the year, not just a few times. There are many different kinds of survival tools, and not just food. You should always be prepared for an emergency, because you never know when a disaster may strike. Being prepared can save your life.

There are different types of survival tools and equipment, much of it depends on where you happen to be in an emergency. Basic survival tools that you will need no matter if you are at home or on the go is a survival knife, flashlights with extra batteries, or even a flashlight that has a hand crank. A shortwave radio is also a must, that has the National Weather channel, as well as news channels. Perhaps one of the most important tools you should always have is a well stocked first aid kit.

Some other all around survival tools and equipment you should always carry are fire starters and dry tinder. Matches and lighters are good, if you have them, or if they are dry, but nothing beats a good flint and steel, or other similar survival equipment. These can emit a shower of sparks that are thousands of degrees, and can get a fire starter quickly and easily. Fresh dry tinder is also a must, since you never know if you are going to be under wet conditions. At the very least, make sure you keep some plain steel wool and a 9 volt battery in your survival kit.

Any survival tools and equipment that serve multiple functions is definitely something to purchase. Here are some examples of multipurpose survival tools. One is a Swiss army knife. Most of these come with at least six different tools, but many have 16 or more. There are different sized blades, cork screw, screw drivers, can and bottle opener. These even come with a small pair of tweezers and a tooth pick. Larger models may even include a pair of scissors, a magnifying glass for starting fires, and some may even have a compass built right into it. The sixteen tool knife sells for $9.99.

Another top of the list survival tools is the six in one folding shovel. This product is handy in just about any situation, and should be included in any survival tools and equipment checklist. This tool has a shovel head, dual hammer/hatchet head, as well as a saw. The shovel head includes a can opener, and the hatchet part has a nail puller. The handle has a push button locking mechanism, and the saw slides into the handle for secure storage. This unit sells for just $19.99.

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Tips for Choosing the Right Survival Tools and Equipment

Just about everyone these days is thinking about emergency preparedness these days. They are collecting food, water and supplies for 72 hours or more, depending on the person or family. It isn’t just about these though, you also need to think about survival tools and equipment. Survival tools can include multipurpose knives, and equipment means things like flashlights that are self powered, fuel sources that can be stored for long periods of time, etc. It isn’t just about home preparedness either, but for your vehicle, because it is just as likely that you will get stranded in your car somewhere as a disaster happening.

Here are a few of the many examples of survival tools and equipment that you need to consider when you are preparing for emergency situations. One of the most important thing about a survival tool is that it one tool needs to serve as many functions as possible. Consider the multifunctional Swiss Army knife. We are not talking about any cheap dollar store knock off either. Made from heavy duty lemar, this knife is many different tools in one. In addition to having a utility knife, it includes a can and bottle opener, flat as well as Phillips screwdrivers, corkscrew, fish scaler and hook remover. There is also scissors, a rope and wood saw, as well as a tooth pick and tweezers. These knives are highly versatile, and don’t have to be expensive, just around twenty dollars for a high quality one.

Another example of survival tools and equipment is the Compact Multifunction Shovel. This survival tool can come in handy in a variety of emergency situations. It is extremely lightweight for one. There are three different edges on the blade, shovel, saw, and hatchet. The blade also has a hammer head, wrench as well as a nail puller and bottle opener. The handle is hollow, the cap features a solid liquid filled compass. Inside there is a razor utility blade, a box of waterproof matches, as well as basic fishing gear. This is one of the most perfect models to keep in your home, or pack away in the car. This product sells for just around twelve dollars.

Flashlights and radios are also very important pieces of survival tools and equipment. It isn’t just about keeping these survival tools around, but also choosing the right type. Batteries run down, and even rechargeable ones are of no use if there isn’t a power source to charge them back up. Instead of buying products that use batteries, consider ones that have solar panels built into them, or that have a hand crank to power the unit. Some radios will run for more than two hours after being hand cranked for just a few minutes. Solar panels can charge up a flashlight in a matter of hours, powering it for most of the night, depending on use. Prices vary, depending on the quality and features of the product.

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