Category Archives: online college help
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Avoid the Default!!
Posted on November 20, 2009 by MANIFEST ME! in Banking/Money/Finance, General, online college helpI know that you hate to pick up the phone and on the other end of the line find a bill collector. But one thing you do not want to avoid is Student Loan collections. Having your Student Loan to go into collections is by far one of the worst things that could result in damaging your credit dramatically. There are ways to prevent default.
First you need to know that your student loan can not be cleared through bankruptcy. It is with you for life, through thick and then the ups and the bad. You have to pay it! So don’t go to school thinking you can skip on this note.
If you are facing rough times there are many deferments you may qualify to receive to postpone your payments. Then if you don’t qualify for a deferment, ask for a forbearance. Having a forbearance allows you to temporarily postpone or reduce your loan payments. You are responsible to pay the interest that accrues during the forbearance period. Unpaid interest may be capitalized which is interest added to your loan principal. Then the capitalized interest will increase the amount you owe, and may result in a higher monthly payment after the forbearance period has ended.
If you are behind, contact your lender immediately. If your loan goes into default you may be:
- Unable to obtain federal student loans in the future
- Be assessed up to 22% in collection cost
- Have up to 15% of our wages garnished
- Have you income tax refunds withheld
- Damage your credit rating
- Be contacted by a collection agency
- Be unable to obtain loans in the future to purchase a car or home.
These matters can easily be avoided if you contact your lender right away. Remember if you are experiencing financial hardship there is a way out and help is out there. You can not solve the problem with avoiding it. Reach out to your lender to see if you qualify for a deferment or forbearance to postpone your monthly payments.
Peace, Love, & STILLETOS!!!
TaWana
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Where has the time gone?
Posted on March 11, 2009 by MANIFEST ME! in General, online college helpI just notice it has been about two weeks sinceI have last posted. But I have been crazy busy but I will tell you one thing I am re-organizing my blog because I have so many updates to post.
What I am doing instead of putting all of my updates on pages I am going to take some of the pages away and upload everything by Chapters or Units. It will make it easier for you to find and I feel like it will help you in your studies.
I have a whole season of Algebra to post and some Accounting stuff as well as the latest Business Law exam. I start my statistics class in a couple of weeks along with Human Resources so we will see how that goes.
I gain so many new friends everyday and I just want to say thank you for registering to my website. Who would have know I would be emailing thousands of people. I had over 3500 emails in my inbox and I can not keep up.
One thing I must disclose to all of my friends new and old, this is something I do in my spare time. So, I started this out of just wanted to help somebody. I don’t have to post anything but I do it because I want to. Now some of you send me the latest information from your classes to help someone else that may need it,which is great I love that! I love the fact that since this website has helped you want to help someone else by sending information that is not here.
So do me a favor and keep your comments coming. Your comments encourage me to go on! Another thing since I have a life…. if you want personal help I do ask that you please donate. My time is very valuable. So, at the least please give what you feel. Some people would not even been able to pass their course with out me taking out the time to do what I do. So with that being said, please donate. You gift is tax deductible and this is one way I can give to support not-for-profit organizations. So I don’t ask for personal gain but I do ask to help others.
THANKS!
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Business Law!
Posted on January 21, 2009 by MANIFEST ME! in General, online college helpBusiness Law at Kaplan University
I was going through some stuff and found almost 9 unit reviews on from my Business Law class. This information is very beneficial to those of your that are in or will have to take Business Law. The class is very confusing! I am sure that someone is searching for answers in this class.
I only posted Unit 1 through half of unit 9. I was unable to find the rest of Unit 9 and the final exam for Unit 10. But, If I run across it, I will post it! So if in need be sure to check out the Business Law page.
Good luck in your schooling =)
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