Repayment Assistance Student Loans

In this episode we help our viewers understand the student loan debt crisis in the United States. Many students take out loans because they would rather live at home while attending school than moving into a dorm room. We look at how long does it take to pay off these debts and the costs to go to college. What do grads do after college if they cant get a job? Where can they find jobs? How much does a college degree really cost? Why do graduates still struggle to find jobs? If you were told you have to apply and request financial aid before applying to colleges, what would you do? Want to join the College Confidential community?

Repayment Assistance Student Loans

If you have outstanding student loans, then you know how difficult it could be to repay them. Many people choose not to do it because of the amount of interest they pay each month. If you are looking for a way to help reduce the monthly payment, then you need to consider a loan repayment assistance program. There are government-backed programs that reward borrowers who take advantage of these programs. You just need to find out if any are still active. One great option is a consolidation program that combines several loans into one mortgage. Instead of paying interest on 12 different loans, you only pay a single rate. In addition to reducing the number of payments, consolidating your debt makes it easier to manage.

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Social Media Marketing

Promote Your Brand/Product On Social Media Platforms

Today’s customers use social media platforms as a means of connecting with their peers, sharing information, getting advice, and conducting research about products and services before making a purchase decision. As a result, businesses must develop strategies to make sure that they’re meeting the demands of consumers by being present on those sites. Below are some steps to get started:

Create a strong online image for your brand – If you don’t do it, someone else will. If you want to succeed in business today, you’ve got to create a consistent message about what you stand for and what you sell, then you have to let everyone know about it. When you post quality content regularly on various social media channels, you’ll build trust among your followers. And the folks who trust you tend to buy from you.

Engage in conversations – Just like we discussed earlier, your goal should be to connect with your followers. And the best way to do that? By engaging in conversations with them. Respond to comments left on your posts and respond to questions that your followers ask. You may even engage in live chats where you answer specific inquiries right away. This shows your fans that you care about the relationship you share with them. They can count on you to give accurate answers.

Be Consistent – Once you start posting consistently, you’ll notice your following begin to grow. That’s because followers love consistency. So keep at it! Don’t stop until you reach your goals.

Email marketing

Build A Lead Generation Email List

An email list is a valuable asset that can benefit your business in many ways. It enables you to send targeted messages to clients based on the interests they show while browsing your website. Emails allow you to stay top-of-mind with your leads (and potential customers) since they don’t require constant updating. They also enable you to reach customers outside of your physical business location. To grow your email list, try some of these ideas:

Offer something free. Whether it’s a report, white paper, or webinar, offer something valuable to your audience as a way to attract their attention and earn their trust. Offering exclusive access to your product or service is another good idea.

Ask your social media friends to invite people to join your list. Tell your Twitter and Facebook friends and subscribers to forward your emails to their contacts.

Use a lead generation tool. Tools like MailChimp, Constant Contact, and AWeber provide features that make it quick and simple to add subscribers to your lists.

Repayment Assistance Student Loans

Who qualifies?

If you are a student who received federal loans prior to July 1, 2007, you may qualify if you have not already repaid the loan(s) (including all accrued interest). To find out if you are eligible, log onto www.studentaid.gov/loans/repay.

How do I apply?

You should contact the lender first before applying for assistance.

When does the repayment start?

If you repay the loan before July 1, 2010, the repayment begins six months after your loan was originally disbursed. If you repay after July 1, 2010, repayment starts six months after your date of discharge. Your date of discharge means the day you stop attending school and no longer meet eligibility requirements for federal financial aid. You can only receive payments while you are enrolled full time at an educational institution. If you withdraw from school or fail to make satisfactory academic progress, your loan goes into default status, and you lose certain rights to receive payments until you enroll in at least 12 credit hours.

Is there anything else I need to know?

Yes! Contact your loan servicer immediately upon discovering that you are ineligible for assistance. Servicers are obligated to inform you of any change in your eligibility for payments, including changes due to the loss of eligibility under state law.

Repayment Assistance Student Loans

What is a student loan?

A student loan is a type of debt that is incurred by students attending college or university. Most loans are issued by private lenders or banks, although some colleges maintain their own lending programs where they issue loans directly to students. Student loan borrowers pay interest while they attend school and then make monthly payments once they graduate. The amount borrowed may vary depending upon the program attended and the lender’s requirements. After graduation, many graduates continue making small payment after payment until the entire balance is repaid. If you decide not to repay the loan according to its terms, you may be subject to collection lawsuits.

Why should you know about repayment assistance?

If you have federal student loan debts, the Department of Education offers special repayment options specifically designed to help people struggling to repay their education loans. These repayment plans allow you to lower your payments while continuing to make them during times of financial need.

Does it matter if I’m behind on my loan payments?

Yes! Repaying your student loans is critical — but being late on your payments does not mean you’re out of luck. You still have options to manage your debt safely and without any negative consequences. Don’t let a single missed payment keep you from reaching your goals.

How do I apply for repayment assistance?

You can find repayment information online at www.studentaid.gov/repay-loans. Once you’ve located the repayment plan that best suits your situation, visit the website to complete the application and submit it electronically. Your request will be reviewed immediately and if approved, you’ll receive a notification from us within two weeks. If you’re applying for the first time, you’ll be asked to provide documents verifying income and assets — such as tax returns — along with your Social Security number.

Will I lose my rights to my home if I don’t meet certain conditions?

No. You will never lose your home. And if you default on your loan, even if you qualify for income based repayment, you won’t lose your home. However, failure to adhere to the terms of the Income Based Plan could result in additional charges or penalties, including wage garnishment, a lien against real property, and higher minimum monthly payments. Additionally, if you cannot afford your loan payments, we can place you in default before you begin repaying under the Income Based Plan. We will notify you and give you time to correct the problem causing the default. If you are unable to correct the problem and resume regular payments, we may ask a court to order your wages garnished.

Can I get a deferment on my student loans?

Generally speaking, you can only defer paying back the principal portion of your student loans. In most cases, your total unpaid balance cannot exceed what you owe on your car (the maximum amount allowed by law), plus $100.

Do I have to start repaying my loans right away?

Repayment Assistance Student Loans

What are REPAYE?

REPAYE stands for Revised Estimate of Public Debt and Income Tax Receipts. A student loan repayment program was created so that taxpayers would pay back less money than they originally borrowed. In order to qualify for REPAYE, a borrower’s federal income tax liability cannot exceed his or her outstanding student loans plus 10 percent of his or her adjusted gross income. Once eligible for REPAYE, borrowers should not have any taxable income until their total outstanding debt is paid off.

How do I qualify for a REPAYE Loan Repayment Program?

If you are currently enrolled at least half-time in school (or if you graduate with at least 60 semester hours) and are making payments towards your loan(s), you may be able to apply for a REPAYE loan repayment program.

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