Consolidation, Refinance and Mortgage
Take a breath of fresh air with debt consolidation and save your self hundreds!
There was a time when the dollar was worth a dollar. But in our volatile economy, the outlook of how far your money will take you has fallen short for most families struggling to get by, with both parents working full time. Between 60-70% of households now seek debt consolidation and credit counseling to manage their debts and cost of living expenses everyday and that estimate is growing.
You may currently be seeking a debt consolidation loan and comparing credit counseling services for the best path to follow to recover from previous debt management choices.
The average American household carries 8-14 credit cards, 2-4 department store charge accounts, 1-2 car loans, and various smaller debts. The good news is that interest rates for debt consolidation loans are currently at all time lows.
Loan providers are actively competing for your business. It is now possible to dramatically reduce your monthly payments and get a big reduction in your interest rates and pay off your debts sooner. The question you have to ask yourself is, are you on track to pay your debts off on time in order to preserve the current status of your credit rating?
When considering your current financial situation, It is worth while to consider credit counseling and applying for a debt consolidation loan. It is better to know what your options are and where you stand in the thick of things when it comes to debt management. You could lower your monthly payments and consolidate them into just one payment with debt consolidation and save hundreds of dollars. Plus, it is important to research every avenue before resorting to a more extreme approach to ridding yourself of debt like bankruptcy. Debt consolidation loans and credit counseling will help you restructure your budget, get your debts under control, and free up your monthly expendable cash for the things you need most.
When seeking debt consolidation there are some choices that
you can make such as joining a debt management program or
seeking consumer credit card counseling. Someone can help
you get back on track and help you manage your debt.
Whether you choose debt consolidation on your own, or though
a counseling agency, be sure to carefully read the terms of
the debt consolidation agreement which is drawn up between
you and your unsecured creditors. Remember, this is NOT a
debt consolidation loan. It is simply a consolidation of all
debts into one monthly payment, which is more manageable
with your budget.
consolidation means one thing: a consolidation of multiple
debts, into one debt, and one payment. Unfortunately, it is
often paired with the word loan by banks and mortgage
institutions offering a debt consolidation loan to escape
from the debt pressure.
In reality, some of these debt consolidation loans end
up as interest second mortgages on homes, or exorbitant home
refinancing. Second mortgages on your home only increase the
amount of money owed in the long run. By putting all of your
debt on the most precious asset you have, you run the risk
of losing your home for the sake of credit card or other
debt. You may even be overextended to the point where you
might not qualify for a mortgage. And if you do, the terms
will not be favorable.
Need to reduce debt?
Or consolidate your debt? Online debt consolidation can
provide those solutions and much more. Check out the debt
consolidation information and services page to help you with
your online debt consolidation needs. If you already own a
home and need a consolidation home equity loan, 2nd
mortgage, or refinance: Go and receive. In today's society debt is a common issue for many
individuals young or old. Whether your are straight out of
college, buying your first home, purchasing a vehicle,
starting a business or just living day to day. All of these
have one thing in common, debt! For most of us the question becomes
how do I get out of debt? If you are worried about your
debt, do not hesitate to seek a debt consolidation plan
now! As debt will continue to haunt our everyday lives. As
we get older some of us are fortunate enough to pay off our
debts, while others are not so lucky. If you fall in the
unfortunate group that lives with creditors calling you all
the time, credit cards maxed out or the thought of
bankruptcy doesnt sound so bad, then you may want to look
to debt consolidation.
Refinance & Mortgage & Loans
If you already have a home loan,
refinancing your home under a new loan with a lower APR can
save you hundreds a month for your mortgage payment. In some
instances, it's possible to cut your mortgage from a 30 year
fixed rate mortgage to a 15 year fixed rate mortgage and not
increase your monthly payment. The advantage is you save
significantly on the Interest charges and pay off your home
in half the time. This is very possible if you originally
filed for your mortgage when rates were high and the current
rates have dropped significantly... 2nd mortgage loans enable you to
become debt free! Consolidate those unsightly bills
(credit cards, autos, liens, personal loans, high interest
rate second loans, refinance or even do some home
improvements, etc...).Ideal for any immediate need, with the
advantage of a fixed interest rate, predictable monthly
payments, and possible tax savings...
Companies (filter by):
- Short-term loans (payday loans) from $100 to $1000. Online loans providing 24 hours a day, 7 days per week.
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People have more education options now than ever before. Students can not only go to a traditional campus university to continue their education, but they can earn an online college degree at an online university.
Getting an online university degree makes it possible for many adults to go to college while still working full time. Since college classes are given online, students can get an online education anywhere they have access to a computer: at home, at work, or even on vacation.
An online college degree is no farther away than the closest internet connection. Since students can attend a distance learning college in the comfort of their own homes, they can save time and money on commuting while earning their certification or bachelor's degree online. Some distance learning colleges give students the opportunity to graduate from college much faster than they would at a campus college.
With the growing popularity of distance learning, online university degrees are becoming more and more common in an increasing range of subjects. With so many fully accredited online universities offering quality distance learning degree programs, its that much easier to find a college with the degree program that you are looking for by getting an online college degree.
Through an online university, you can get a bachelor degree online at a business school or a nursing degree from a nursing school. You can even get an online criminal justice degree or a degree as a paralegal from a law school. When the best college for you is hundreds of miles away, deciding to continue education online is a great option to bring the best schools to you.
When looking for a college course online, choosing the online college that best suits your needs can be both fast and easy to find.
Higher education is more important today than ever before. 90% of the fastest growing jobs in the US require some post-secondary education, and 63% of the decade's nearly 20 million new jobs will require a bachelor's degree or higher. Unfortunately, in 2004 only 28% of Americans had a bachelor's degree, so upgrading the education level of the workforce is fast becoming a national priority. Furthermore, upgrading your degree today can significantly increase how much money you will earn over your lifetime.
The U.S. Census Bureau determined that lifetime earnings for people who hold only a high school diploma can rise as high as $1 million. But complete an associate's degree and your lifetime earnings nearly double to $1.8 million. It gets better as you continue your degree training. Lifetime earnings for average bachelor's degree holders top out around $2.1 million. Add a master's degree, graduate school, or doctorate degree and your lifetime earnings range between $2.5 million and $4.4 million.
The traditional four-year degree from a college or university is fast giving way to a more career-oriented program. Career education schools increasingly focus less on unnecessary coursework and more on career oriented degree programs. This model of career education focuses on giving students the specific skills and education needed for a career change, first time careers, and also advancing your current career.
Because of the shift towards career-oriented education, students can often complete degree programs in a matter of months, as opposed to the years it commonly takes. Many colleges and universities now have courses that begin every few weeks or incorporate "fast-track" intensive programs or online learning to speed things up.
Undeniably, one of the biggest changes in higher education in the last decade has been the increase in online education. Online degree programs have been the key that allows many non-traditional students to fit continuing education into their busy schedules. Judging by the rising number of those who have taken at least one online course in the fall of 2005 -- 3 million nationwide, or nearly 20% of higher education students, according to the Sloan Foundation -- online learning appears also to be earning students faith. In fact, research has found that 77% of prospective students would consider enrolling in a fully online degree program.
Your goal is to request more information from any of the schools that are listed. All requests are free and your privacy is protected. After submitting your request you may receive an email, a catalog in the mail, or a phone call by an admissions counselor. If you are looking for more information about choosing the right college, financial aid, employment search, career change, and many other topics, visit our career information articles section.
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