Florida State Student Loans:

Florida State University (FSU) is the largest public university in Florida. FSU offers over 300 associate degrees, bachelor’s degrees, and graduate programs at their main campus located in Tallahassee, Florida. FSU has four campuses throughout the state of Florida, including Stetson University College of Law located in DeLand, Florida; Florida A&M University located in Tallahassee, Florida; Jacksonville University located in Jacksonville, Florida; and the Gulf Coast Campus located in Panama City Beach, Florida.

Sallie Mae: Founded in 1958, Sallie Mae was originally known as the Student Loan Marketing Association. Sallie Mae is the second largest student loan provider in the United States.

National Collegiate Trust Corporation (NCTC): NCTC makes private loans to students enrolled in postsecondary institutions.NCTC is headquartered in Washington, D.C., and operates under the leadership of President Scott Rector.

U.S. Department of Education-The US Dept. of Education is responsible for overseeing federal financial aid programs including the Federal Pell Grant Program, Direct Lending Program, and Perkins Loan Program.

U.S. Small Business Administration (SBA): The mission of the SBA is to assist America’s small businesses through counseling, business plan assistance, risk management, and government contracting opportunities. As of 2016, the SBA had authorized $35 billion in lending authority to various lenders and created the 504 Loan program to provide capital to small businesses through the use of mortgage financing.

Wells Fargo Bank: Well Fargo Bank is a nationwide bank. They have been around since 1852 and currently have almost 22 million customers. Well Fargo Bank offers personal banking services such as checking accounts, savings accounts, credit cards, mortgages, home equity lines of credit, and auto loans.

Citibank, N.A.- CitiBank is a subsidiary of Citigroup. It offers personal banking services such as customer checking accounts, money market accounts, CD rates, and money transfers. Their primary focus is providing banking services to individuals, families, and companies.

Chase Manhattan Bank: Chase Manhattan Bank was founded in 1899 and now has nearly 5,000 employees operating out of 30 offices across the nation. Chase Manhattan Bank provides consumers with consumer banking products such as checking accounts, online bill pay, cash management, debit card programs, ATM access, and business banking services.

Bank of America Corp. (Banque of America was established in 1904 and has approximately 2.27 million customers). They offer many different types of services, such as consumer banking services, retail banking services, wealth building services, corporate banking, mortgage banking, investment banking, and insurance.

SunTrust Banks Incorporated: SunTrust Bank was founded in Atlanta, GA in 1859 and has grown to become one of the largest banks in the world. In addition to offering consumer banking services, they also offer business banking services and asset-based lending services.

Discover Financial Services: Discover was founded in 1986 and became the first direct lender in the 1980s. They offer credit cards as well as installment loans.

Capital One Bank: Capital One Bank was founded in 1997 and is one of the top ten largest banks in the United States. It focuses mainly on consumer banking services like checking accounts, credit cards, and mortgages.

TD Bank Group Inc.—TD Bank was founded in 1992 and is ranked number 41 among FDIC-insured banks in the country. They offer a variety of banking services, including deposit accounts, mortgages, automobile loans, commercial banking, electronic banking, merchant cash advances, and business banking.

Fifth Third Bancorp: Fifth Third Bancorp was founded in 1988 and is the third largest regional bank in the United States. They primarily operate in Ohio, Indiana, Michigan, Illinois, Kentucky, Tennessee, Wisconsin, West Virginia, Pennsylvania, Arizona, Missouri, New Mexico, and Colorado.

Education loans—what they are

Education loans are loans provided to students who want to attend college, university, trade school, vocational-technical school, or graduate school. Most people use education loans to pay for tuition, books, room and board, fees, and other costs associated with going to school. These loans are offered by private banks and government agencies. Private lenders may require you to make payments when you get a job. If you don’t have enough money to cover these costs, you could end up defaulting on your loan and getting stuck carrying the debt load instead of focusing on your studies.

What options do I have?

If you’re just beginning your student career, you might not know how much you’ll owe. You can get some idea by calculating out your expected expenses like rent and food and then adding them to your monthly budget. Then add any additional amount you expect to spend on textbooks and supplies. Finally, figure in your estimated income while working at your current job, plus overtime if applicable.

Can I find help paying off my loans?

There are federal programs that can help you lower your interest rate. You might qualify for financial aid and low-interest repayment plans. Before applying for any special assistance, though, ask about the eligibility requirements, interest rates, and terms of repayment. Your lender should provide information about whether you’re eligible for federal student loans or other types of loans.

Tips for managing your loans

Know your rights. Ask your lender for details about your rights under the law. Get copies of documents signed by you, your parents or guardian, and your employer. Keep a copy for yourself. Don’t sign blank checks. Even if you think the check is for something else, do not sign it without knowing exactly what it’s for. • Maintain your organization.Keep a list of all your bills and receipts handy. Make sure you keep track of everything related to your loan. Also, make a record of any changes to your debts. •. Set up automatic bill payments. Pay your bills each month to avoid late charges and penalties. • Do not take unnecessary risks.If you take out a car loan or a home mortgage, make sure you understand all the terms before signing anything. And never borrow more than you can afford to repay. • Think about refinancing.When you refinance your student loans, you often save money on interest and improve your credit rating. But always read the fine print carefully to make sure you aren’t agreeing to new terms that increase the total cost of your loan. •Talk to your counselor. Counselors can help you set goals, monitor your progress, evaluate your options, and give advice about making good decisions.

Florida State Student Loans:

If you have been thinking about going back to school, now may be the time to start planning! If you’re still finishing high school or just started college, you probably know how difficult it is to finance your education without student loans. Most students need to take out at least some kind of loan to pay for their tuition. Unfortunately, if you don’t have a strong credit history, you might not even qualify for certain types of loans. In fact, many people who borrow money to go to school end up paying more than they would have paid in interest had they borrowed enough to cover their entire cost of attendance upfront. That’s why it’s so important to compare student loan options before making a final decision. Here are some things to consider when picking the right type of student loan for you:

Interest rates: You should always try to get a loan with the lowest possible rate. After all, it adds up over time. Consider what type of repayment plan you want (fixed versus variable) and make sure you find a lender willing to offer you the best deal based on your specific situation.

When evaluating your options, you should think about how much you want to pay back each month, whether you want the loan to begin immediately upon graduation or after a set period of time, and what the interest rates will be. All these factors play a role in determining which type of loan makes the most sense for you.

Loan amount: Keep in mind that the larger the loan amount, the higher your monthly payments will likely be. If you already have a solid income and you anticipate earning more in the future, then you may benefit from taking on a larger loan. On the flip side, if you expect lower earnings, you may want to opt for a smaller loan. This way, your monthly payments won’t be quite as hefty.

Flexibility: What do you need your loan for? If you need to use the money for medical expenses, transportation costs, or moving expenses, then you may want to look into a private loan. These loans are only available to borrowers with good credit scores. If you need the money for a down payment on a home or car, however, you may want to explore federal student loans. Fannie Mae offers a variety of different types of loans that allow you to pay off the principal and interest in 10 years rather than 15.

Income-based repayment plans— There are several income-based repayment programs available through the U.S. Department of Education. Your income is monitored throughout the duration of your loan under a program called Pay As You Earn (PAYE). Your monthly payment is calculated using the formula IBR 12% x Annualized Cost * Total Payments/365 days. This means the more you earn, the less you pay. However, if you earn less than $50,000 per year, you will not be eligible for any type of IBR. Another option is Revised Pay As You Earn (REPAYE). REPAYE is slightly easier to calculate since it uses a flat 13% APR instead of a percentage. Like PAYE, it starts with the formula IBR 14% x Annualized Cost x Total Payments/365 days and adjusts according to your adjusted gross income. Finally, there is the Income Contingent Repayment Plan (ICRP). Under ICRP, your payments are determined based on your “discretionary” income. Discretionary income refers to amounts above which your federal taxes were withheld for 2011. According to the U.S. Dept. of Education, this includes wages, investments, tips, bonuses, dividends, etc. While your loan payment is largely dependent on your discretionary income, there are three categories where you’ll have to pay a minimum amount regardless of your income: Housing costs are broken down into three categories: 1) fixed charges, 2) total payments, and 3) total payments.Housing costs are generally around 4%, while fixed charges range between 5% and 6%. These two categories together make up the minimum portion of your monthly payment. The third category represents your standard loan payment. Depending on your loan type, you could pay anywhere from 20% to 31% of your discretionary income towards your loan.

The Top 10 iPhone Camera Apps for 2018

From the moment Apple launched its first iPhone in 2007, the camera was a major selling point. And while Apple continues to refine the hardware, apps have become increasingly sophisticated, offering everything from basic filters to advanced features like dual exposure photography.

In addition to the numerous free photo editing apps available, many developers have created dedicated apps for the iPhone camera. Whether you’re looking for something simple for snapping quick pics or complicated tools for professional results, we’ve rounded up our favorites below.

Snapseed Photo Editor

With Snapseed, you’ll find all the basics of photo editing covered. For starters, users can adjust brightness, contrast, saturation, and hue. Additionally, you can crop and rotate photos. But Snapseed doesn’t stop there. Users can add unique effects, including sepia tones, soft focus, and black & white.

Aperture

This app gives photographers access to a full suite of features found in popular desktop photo editors. It’s especially useful for those looking to sharpen focus on a particular subject within images. Aperture automatically corrects color, sharpens details, and crops the photo to remove distractions. It also provides manual controls for cropping and adjusting image highlights and shadows.

BracketBurst Pro

Florida State Student Loans

I have recently become unemployed and looking at getting a student loan to help pay off my college loans. I am currently a Florida state resident, however I do not live in the state. Does anyone know where I could go to get a student loan?

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