FirstMark Student Loans Reviews-Should I Use It?

How Much Do First Mark Student Loans Really Cost?

Aquaponics Gardening-Growing Food Indoors Without Soil | Grow Weed Easy

In this episode, we show how to keep two plants together inside a fish tank. My friend Frank had a problem with algae in his planted tanks and he wanted to know if they could fix it using aquaponics systems. He started out by buying aquarium equipment and selling it on eBay to raise money in order to build his aquaponics facility. In this day and age of constant pollution and water shortages, it’s nice to know that aquaponics is looking promising.

The project, designed and built by LAND&WATER SCIENCES, was created to produce enough food to make fish lose their appetite for freshwater. The goal is to grow a “fishless” community tank. A small amount of fish is kept in the same environment to help maintain the water quality between crops. The fish serve double duty as insect control agents while also being beautiful decorations!

FirstMark Student Loans Reviews-Should I Use It?

FirstMark is a student loan servicer, not a lender! We work directly with lenders and get paid a fee for these reviews, however; our opinions are our own and we do not guarantee any outcome based on working with them.

Otherwise, feel free to contact us anytime using the information below or at

Disclosure: We earn commissions from companies if you choose to take out loans with them after clicking links in this video. You do not pay any extra fees (and it even helps support the channel).

Find us on social media:

(I make no money off of anyone who uses my link).

Amazon occasionally selects winning products for me to review while I’m filming.My product recommendations and comments are always based on my personal experience.

Music:

Kevin MacLeod’s WaterbedTransitions (incompetech.com)

FirstMark Student Loans Reviews-Should I Use It?

FirstMark Student Loans Review

FirstMark StudentLoans was founded by us (Stephen, Swati, and Matt) solely to help students afford college. While we have experience using student loans to help fund our education (accumulating over $200,000 in debt), we are not a lender nor do we make lending decisions. We give information on where to borrow, how much they should pay back, etc.

How to Get Out of Debt 12 Steps (FULL SUMMARY VERSION)

Step 1: Understand What You’re Trying To Achieve – Any solution to getting out of debt requires careful consideration of *Why* you want to get out of debt. The case study below explains the reasons for the video.

Step 2: Examine Your Present Situation-In this step, it’s important to analyze even if you don’t agree with the current situation. Most people struggle to pay off debts due to a lack of knowledge about their expenses. As such, sit down and track everything to get a broad view of what total debt includes. Here is a spreadsheet example of the analysis below.

Step 3: Create a BudgetIf you are already tracking expenses (which we recommend), then develop a budget that helps you meet your goals at the end of each month. One way to do this that does not require a lot of effort is to first identify what income to spend money on. Next, plan to allocate your money across savings, bill payments, debt repayments, and fun spending.

Why Do You Want to Get Out of Debt?

In 2013, I had been unemployed for three months and was making no money. I went to apply for jobs and started receiving letters from creditors. These include things like mortgages, credit cards, car loans, medical bills, and others. So, when I received my tax return, I decided to put some extra cash towards my debts instead of saving it for Christmas shopping. When I saw that I spent nearly $600 less than I did in 2015, I figured it wasn’t going to hurt me to take a little action on my debts.

FirstMark Student Loans Reviews-Should I Use It?

What Is Firstmark?

Firstmark is a private lender that provides loans at competitive rates. They provide online lending services and have over $100 million in student loan programs. You can apply for a loan through their website or over the phone with them. Their customer service team is extremely helpful and knowledgeable about how student loans work and what they offer.

How Does Firstmark Work?

Once you select a repayment plan, you will fill out the application and submit it. If accepted, you will receive notification and then complete the loan agreement and fax or email it back to them. Once approved, you will be able to make payments directly to Firstmark online via EFTPS (Electronic Funds Transfer for Payments System).

How Do I Choose My Loan Repayment Plan?

As previously stated, there are two options for repayment plans: graduated payment and income-based repayment. Graduated payment plans allow your monthly payments to decrease after five years, as opposed to the standard 10 year repayment plan. Income-Based Repayments reduce your monthly payments by 25% after just three years compared to a 10-year repayment.

There are some situations where you may not qualify for either program:

You do not meet the criteria for a federal financial aid package.

-You have been discharged or had your debt cancelled due to nonpayment.

-Your total amount owed exceeds $30k of your annual gross household income.

What Are the Different Types of Loans Available?

The following types of loans are offered by Firstmark:

-Pay As You Earn (PAYE)

-Graduated Payment

FirstMark Student Loans Reviews-Should I Use It?

How much money do I need?

You’ll start out needing $20 per month for two years, and then after that, you’ll only need $15 per month. After 20 months, you’ll pay off your loan forever!

Can I get a refund if I am not successful in getting a job?

NoYou have 60 days to find a job, otherwise the company gets their money back. If you don’t keep up with your payments, you’re also subject to interest charges to make up for the lost income.

Who sets my monthly payment amount?

Lenders set your payments based on what they estimate you can afford to pay each month. As you work, your estimated earnings may increase or decrease, causing your lender to adjust your payments accordingly. Lenders aren’t able to give you a personalized payment plan based on your financial situation.

Is FirstMark regulated by the government?

Yes, Firstmark is a federally insured bank.

What are some things I should know about student loans?

In order for you to qualify for a loan, you must show proof of a high school diploma or GED certificate; complete at least 2 years of college education or earn a graduate degree; be enrolled in classes currently and actively seeking employment; and agree to pay back the loan.

Are student loans tax deductible?

Student loans are generally considered taxable income. Federal law requires that federal student aid recipients incur a minimum tax liability while receiving these funds.

Does FirstMark offer any type of insurance?

Not right now.

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