Unsecured Student Personal Loan: Focus on Studies

Students are the future of every country. The more learned students of a country are the brighter is the future of that country. Keeping in mind this government and lenders have introduced a special kind of loan for students to help them complete their higher studies known as unsecured student personal loan. This loan is meant for financially weak students but can be availed by any and every student who wants to avail money in order to pursue higher education.


As the name suggests the loan is unsecured in nature which signifies that you don’t need to place any collateral against the loan amount in order to avail them.


You can easily avail an amount up to ?13,510. The interest rate is very low and hence can be easily repaid. The internet rate varies from 5.6% to 6.3% APR. The repayment duration starts after 6 months of competition of college. So there’s no need to worry regarding the repayment.


The money hence approved is sufficient to bear all expenses which can be your tuition fee, hostel fee, mess charge, computer fee and so on. This way you don’t need to work part time in order to fulfill your personal needs instead your lender will pay for all your expenses. You can save your precious time and devote it to studies.


Personal loan for students which is unsecured in nature is easily available. You can either opt for private lenders or for government organizations. Search well to get the best deal. Give preference to a lender that not only covers your tuition fee but also your other expenses like hostel fee, mess fee, computer fee etc. Use of internet can prove to be very beneficial in this regard. With few clicks you can get the details of the offers of hundreds of lenders.


Summary


Unsecured personal loan for students are potent enough to bear all expenses concerning the studies of students. As is clear from name, the unsecured nature of these loans doesn’t require any collateral. The processing is very brief and hassle free. Another advantage you are screened from the repayment anxieties hence can converge all your focus to studies.

AC360 - Mich. Asst. Attorney General Andrew Shirvell Targets Gay Student Chris Armstrong - Pt. 1

BIZARRE case of stalking a gay college student by Michigan Assistant Attorney General Andrew Shirvell!



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College Student Work - The Right Choice?

College student work is much higher in demand now than it used to be several years ago. Many more students now work part-time and full-time jobs than they did in the past. College student work comes in many forms, from part-time admin work to odd jobs to labor. Either way, the extra income is necessary for most university students and picking the right college student work is more important than they think.

The reason why it is vital to pick the right kind of college student work is because of the demanding schedule that university students have. Some students may have a more hectic semester than others with double majors, final year research projects and theses. Therefore, the choice of work should depend on the amount of time a student can set aside for work.

In addition, different students have different financial requirements, depending on how much they receive from their parents or in the form of scholarships etc. The expenditure of individual students also varies depending on their accommodation option, travel expenses and university tuition. This is therefore another important factor to consider when looking for college student work.

There are many work options for university students, and it shouldn't be too difficult to find a job. Even if a part-time job is hard to come by there are many other options.

Other college student work options:

Tutoring - assisting other students with their courses
Odd Jobs - anything from mowing a lawn to walking a dog
Online Writer - Write articles and sell them online
Personal Trainer - Help out a newbie at the gym
Fixer-Upper - Helping with computers, internet connections, or even a simple dorm room door
Deliver Newspapers - Early morning job that won't interrupt with a school schedule
Modeling - For the arts section in college or even an agency
Plasma Donation - Jabbed by a needle for a few bucks
Work Study Program - usually accessible through university websites
Affiliate Marketing - selling products online (belonging to other people) for a handsome commission.

All of these earning methods have their pros and their cons. If a student can analyze their financial needs and available time, then selecting from this wide range of college student work options will be easier. After all, there is no point earning fabulous amounts of money while in college if the end result is failing your classes or missing out on the "college experience."

School Loan Consolidation & the Reality of Student Loan Debt

Unfortunately, the cost of getting a quality, post-high school, education rises every year. Spending tens of thousands of dollars per year on college tuition, for even state run universities is now the norm, and private university tuition is even more. What this means is that most students are going to have some amount of school loan debt by the time they graduate. The average student loan debt accrued by graduation seniors is $19,237.00.

So after graduation, what are the available options for graduates with multiple loans and a pile of debt? School loan consolidation can be a smart option by lowering your interest rate and combining all outstanding loans in to a new school loan with a lower annual percentage rate. However it's a good idea to take your time and compare the various lenders and resources, and be sure to discuss your options with your parents or a financial advisor before actually applying for school loans.

So what is loan consolidation? School loan consolidation is the process of taking your current school loans, and paying them off with one new consolidation loan. Students who have gone to school for 4+ years, and received Federal student loans will have amassed a large, deferred loan balance by the time they graduate. In many instances, several types of loans will have been used, with various interest rates and monthly payments. A school consolidation loan pays off all of these loans, and gives you one, easy payment to a single lender. This makes it easier to keep track of your payments. More importantly, it means you only have to deal with one creditor if you're late with a payment or need to renegotiate your loan for some reason.

Obviously, if you can keep your loan debt down in the first place, you won't have the stress of large school loan debt obligation after graduation. Instead of going to your local community college for your pre-requisite classes and spending $25 a unit, many students feel they have to go to the 4 year university straight out of high school. Many end up returning home and going to a C.C. anyway, but attending a local school first is a good way to save money, and get those required classes out of the way cheap. After you've completed these courses, transfer to a 4 year school to complete your undergraduate degree. This will save thousands upon thousands of dollars that you would have racked up on student loans, and been paying off well into your 30's.

So many bad financial decisions students make is a result of poor financial education. Students have not been taught by their parents or high school teachers the importance of maintaining a good credit score, paying bills on time, and budgeting income. Wise spending during the college years will ensure that the money you make after graduating will be spent on things you want, not credit card payments, collection companies and school loans.

For more information about consolidating your current school loans visit School Loan Consolidation Information & Resources

Why You Should Attend Career Fairs - Something Every College Student Should Do

All throughout your college career, you most likely were told by your career counselor that you should be attending as many career fairs as possible. Although this sounds like good advice, the reality is that many college students and recent graduates have never attended a fair. These are great places to really advance your career and even make great contacts for the future. The main reason why every college student and recent college graduate should attend these is because of all the opportunities they will find. Most students these days look online for their jobs. Although this is great, there still are many companies that do not post jobs online. By not attending job fairs, you could be missing out on your dream job opportunity.

Another reason why career fairs are great experiences for college students and graduates is because it gives you somewhat of an exposure into the real world. Although you are not attending work with these companies, you are given insight into how demanding the job force is right now. It actually can motivate you to find a job because you will see all the competition. Many college students just assume that they will find a job eventually. While this might be true for the lucky ones, the reality of it is that you will not just be handed a job at your graduation. You need to see for yourself that work actually is required to find a job.

Attending job fairs also is a great idea because you are able to make an impression with the company. When you simply e-mail or mail in your resume and cover letter, odds are it will look exactly like all the other resumes they have received for the same job. If you go to a career fair, you are given the opportunity to speak with one of the hiring agents. Even if you get just five minutes of one-on-one time with them, that is more than you would have had sitting at home. Those five minutes could make a lasting impression - enough that you get a call back interview.

A great idea to do is to try to attend career fairs while you still are in college. The reason for this is because you will gain the experience you need to master making great first impressions. This could eliminate the time after your graduation before you get a job. You might even impress a company so much because you took the initiative to attend a career fair before you graduated that they might hire you as an intern or remember you and therefore grant you a job when you graduate.