Loans Debts And Students
Archive for July, 2008
Avoiding the Scholarship Con Artists
Jul 17th
It happens every year. High school seniors and their parents are defrauded by scholarship scammers; people who promise to help them land scholarships and financial aid they wouldn’t otherwise receive.
One financial aid organization believes these scammers defraud families out of more than $100 million dollars a year.
Because college costs scare nearly all of us, and because many people do not realize that there is money available to help them send their children to college, these scammers have found it very easy to find and exploit their victims.
The first contact between the scammers and their potential victims is a letter offering expert advice and assistance.
The letters look good. The letterhead design, the font style, and other elements are calculated to give the appearance of an established, legitimate organization. And, that can be all it takes to fool families…to get them to take the next step on the path to being scammed.
In nearly all the letters they send, the con men begin by reinforcing families’ fears about their ability to meet college costs.
Once they have stated the problem…paying for college…they assure you they can provide the solution. They may offer to “teach you the secrets of financial aid”, “locate millions of dollars in unused scholarships”, or otherwise help you take advantage of their special expertise.
The letters are not always the same, but one element is. They invite you to come to a hotel function room or other reasonably large venue to learn more about financial aid and scholarships, at no cost. Sounds like a no-brainer, right? If you think so, think again.
The gathering, whatever it is called, is a well rehearsed sales pitch. The gist…you need money, we can help you get it. And, nowhere do you get the one piece of information you need most…everything of value these people can offer you is available elsewhere, for free.
After the group presentation, families are invited to meet individually with staff members sometimes called counselors. In the world of sales, these folks are called “closers”…folks trained to close the sale. Their job is to get families to sign a contract and pay a fee of up to $2,000 before leaving. Unfortunately, they succeed all too often.
Every year, a new set of potential victims come along. But, you and your family can avoid these masters-of-rip-off by turning to the people who really do have your best interests at heart…school counselors and college financial aid professionals.
About the Author:
Daniel Z. Kane is an educator who produces websites on online degree programs and online college degree programs at the graduate level.
Tips For Finding The Best In Custom Essay Services
Jul 15th
Choosing a custom essay writing service is rather tough- after all, there are so many around! But when essay writing services compete, students get very admirable discounts, features, and service sets that help students get the grade they need without the frustration that comes with it.
Students who are paying inflated prices for custom term papers want their papers to be unique- meaning they won’t be given to anyone else in the future and haven’t been used previously. This eliminates the risk of exposure, plagiarism, and keeps content up to date. Some services simply resell the same essays over and over again- so always request to talk directly to the writer to eliminate this probability.
Online business is hard to trust, since it’s so easy to get scammed out of one’s money. But thankfully there is always the 100% money-back guarantee to fall back on. To keep safe from online fraud or dissatisfaction, students are highly advised to go for a service with such guarantees in their services. Without it, consumers are vulnerable to not only losing their money, but receiving poor essays or none at all.
Delivery is another important aspect of custom term papers, especially considering the fact that students work hard to get their essays in on strict deadlines. Students can pass these stressful deadlines onto term paper creation services, but this will do little good if a deadline delivery guarantee isn’t offered. Before sending payment, always check to see if the delivery date can be appeased. If not, it’s best to move along and find a service that can.
Another good thing to opt for is confidentiality. School officials will try to find any forms of plagiarism or any signs of the essay being bought online. As long as the service obeys the confidentiality agreement and doesn’t republish the essay, there should be no way to track the essay to the student in question. These two aspects of term paper services are required for staying out of trouble, in school, and staying with the high grade the student desires.
Above all else, the writing service in question should be well known among Internet communities. If they are just starting out, it’s sometimes a good idea to give them a shot, but keep in mind this is going to entail more risk than necessary. It’s best to take one’s business to a service that is both respected, renowned, and has a proven track record. It’s nice to minimize risk where possible, and there’s no reason not to!
Closing Comments
Getting a custom essay custom built for the student is always a great way to take the easy way out of stress and frustration. It comes at a price, and it certainly entails a certain risk factor. To get past the risk, students are advised to search as best they can for the best reputed service possible, and only commit to payment after an ample guarantee is made. If these motions are followed, students will have nothing to worry about in outsourcing their homework to online resources.
About the Author:
Learn more on Custom Essay and Custom Essay.
Complete Review on Student Loans
Jul 15th
This article discusses everything that you should know about student loans. If you don’t want to hire a student loan counselor then you should read this article!
The first thing you need to consider is your credit rating or credit history. A poor credit history can adversely affect your student loan application. Some lenders will look at your credit history; some don’t. It all depends on what kind of student loan you apply for. Thus, if you have a poor credit history, look into student loans that don’t consider your credit report or credit score a top requirement.
You can increase the length of your student loans payment time to lower your monthly payments. You can also default payments your student loan payments. To default your student loan means: to not make any payments or arrangements for payments for at least 270 days. You can deffer your Student loans which means: put making payments off for some time. If you have a federal subsidized loan and you default your loan will not accumulate interest. This is good because the amount that you owe on your student loan will not increase. However once you start making the payments again you can expect the interest to began as well.
Federal Parent Loans or PLUS loans as they are known is a student loan not contingent on your income, but lenders do consider personal credit history. Parents or guardians who have a dependent child enrolled in college at least part-time are eligible for the PLUS loan. The interest rate is 9% or less.
To summarize, consider your credit history, your ability to pay the loan back and the interest rate when you are applying for a student loan. If your student loan application gets approved, create a budget. Paying off your student loan every month should one of your priorities. If at all possible, avoid borrowing too much money.
About the Author:
If you are applying for a Student Loan, make sure you visit http://loans-pages to get more information related to student loans that are updated and written by financial writers.