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Friday, May 31, 2013

What are the best Low Interest Rate Student Loans?

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Tips to Get Low Interest Rate Student Loans in 2013-14


The cost of college has risen so sharply that few students can pay all their bills with scholarships, savings or earnings. Most have to borrow at least a little bit.
While no one likes to borrow, the good news is that today's federal student loans are much easier on students than those of the past.


Federal student loans are generally the best type of student loans you can get.
They offer better terms than private loans and don't require parents to co-sign in order to guarantee that the loan will be paid (although parents generally must provide their financial information on the Free Application for Federal Student Aid form anyway).


Most People can get low interest rate student loans. Obtaining a low interest student loan has many benefits as compared to some of the other loans. Private student loans can sometimes cost you double than what a government-backed student loan will. The benefits of low interest loans are obvious. The lower the interest rate the lower your monthly payments will be. In many instances you can save hundreds of dollars a month or thousands of dollars during the length of the loan. Some of the best places to seek low interest rate student loans are from the federal government.

 

In this blog you find 5 options for student loan

 

Here are two best Interest Rate Student Loans:

1. Stafford loan

2. Perkins loan


1. Federal Stafford Loans



Undergraduate students can use Federal Stafford loans for their studies. Some of these loans have fixed interest rates as low as 3.40%. Stafford loans can be used to pay for tuition as well as living expenses while attending college. Applying for a Stafford loan is very easy. All you have to do is fill out an application and wait a short period of time to hear whether you qualify are not. Some of the benefits of obtaining a Stafford loan are some of the amazing repayment options that exist. Some of these options include deferments as well as options for loan consolidations. There are many different resources that exist for students that are looking to obtain a Stafford loan.

Stafford Loan Information: Benefits

  • Low fixed interest rate - Stafford loan rates for the 2012-2013 school year are as low as 3.4%
  • Increased borrowing limits - up to $20,500 per year depending on degree status and years in school
  • No payments while enrolled in school
  • Acceptance not based on credit
 

Stafford Loan Information: Eligibility

You must be a U.S. citizen or national, a U.S. permanent resident, or eligible non-citizen accepted for enrollment or attending a school that participates in the Federal Family Education Loan Program. Additionally:
  • You must have submitted a FAFSA to be eligible for a Stafford loan
  • For subsidized Stafford, you must have financial need as determined by your school
  • You must be enrolled or plan to enroll at least half time

2. Perkins Student Loan




If you are in substantial financial to pursue your college education you can apply for Perkins Student Loan. In order to qualify for a Perkins loan you will have to fill out an application and prove your financial situation. These are some of the best and most affordable loans that are offered by the United States government. They offer the lowest rates and have many options that can be very valuable during the period of the loan. Some of the benefits include lengthening the repayment time frame of the loan.

The interest rate on these loans is set at 5% for the 2012-2013 school year.

Borrowing Limits

Depending on when the student applies, their level of need and the school's funding level, the borrowing limits are:
  • $4,000 for each year of undergraduate study (the maximum a student can borrow as an undergraduate is $27,500)
  • $8,000 for each year of graduate or professional study (the maximum a student can borrow as a graduate/professional student is $60,000, including any Federal Perkins Loans borrowed as an undergraduate)


There is 3rd option, which is not as popular other two are:


3. Banking institutions and Low Interest Rate Student Loans

Many banks offer private student loans to their customers. Some of these loans have low interest rates. These loans are not as flexible as some of the others that we have previously discussed, but they can be helpful if you do not qualify for a federal student loan. The only way to get competitive interest rates with a private student loan is if you have elite credit. This does not mean that you cannot obtain a loan if you have bad credit. It just means that you’re going to have to pay a higher interest rate. If you are looking for a low interest private student loan you will want to check your credit before you apply. Normally if your credit score is above 720 you have a great chance of obtaining a good interest rate.

Attending college can be one of the best decisions that a person makes in their lifetime. Obtaining low interest rate loans to pay for your college intuition can be just as important. Knowing that there are many different options at your disposal can help you get the money that you need at a reasonable rate.

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4. Some other Low interest rate options

Low-interest alternative student loans
Name
Qualifications
APR
Students in Georgia with a 2.0+ GPA who have exhausted all other aid programs, including the parent PLUS loan.
1.00%
Students with a 2.0+ GPA and a cosigner.
2% while in school, 6% after graduation
Students from Northeast Indiana who have a 2.75+ GPA. Those who graduate and work in the area can get up to 75% of the loan forgiven.
3.25%


5. Lastly In Interest-Free Loans

Unfortunately, it can be tricky to track down these bargain student loans. So to help students find them, CNNmoney.com is posting the web's most complete list of organizations offering them in 2012 below. Students who don't qualify for these options might ask at their religious institutions as well as local chapters of Rotary Clubs; your college financial aid officers may also know of other sources.

Name
Who qualifies
Maximum annual loan
Have to make payments while in school?
# of loans expected in 2012-13
Residents of Massachusetts with need attending participating colleges
$4,000
No
1,700
Children of military personnel
$5,500
No
1,700
Abe and Annie Seibel Foundation
(409) 770-5665
Residents of Texas with need and good grades
$6,000
$50/month
900
Residents of St. Louis with need
$14,000
No
660
Residents of Los Angeles with two cosigners
$3,500
$75/month
650
Jewish students from Northern California (although a non-sectarian loan is being developed.)
$6,000
Yes
250
Jewish students in the South with need and one cosigner
Student's remaining need after all other aid.
No
150
Jewish students in Michigan with a cosigner
$4,000
$50/year
112
Citizens of Latin American or Caribbean countries who have cosigners and will return to their homelands.
$15,000
No
100
Students who are eligible for a Pell grant, paying in-state tuition, and have excellent grades and test scores. (Law students excluded.)
$15,000
No
83
Residents of Maryand with GPA 2.0+ and cosigner
$10,000
No
75
Residents of Northeast Ohio with cosigner
$2,500
$75/month
60
U.S. citizens who have finished freshman year of college
No maximum, but average is $2,000
No
50
Jewish residents of Arizona
$5,000
At least $50/month
35
Residents of Milwaukee with up to two cosigners
$3,600
Yes
24
Residents of Livermore, CA
$2,500
No
20
Residents of of Amesbury, MA with parent cosigner
$1,000
No
15
Residents of Cheshire County who are upperclassmen
$2,500
No
4
California no-interest loan (formerly known as the Weingart no-interest loan)
Students at participating California colleges with need (For information, ask your college's financial aid office.)
$4,000
No
NA
Jewish students in Dallas area with 2.5+ GPA and two cosigners
$4,000
$75/month
NA
Residents of Santa Barbara area with 2.0+ GPA and need
$5,000

(Source-CNN money)

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Thursday, May 30, 2013

How change default font in new MS Word 2010 and other previous versions

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Trick to change default font in new MS word 2010


 I find this new problem when I start using new word 2010. This was so tricky in 2010. I hate Default font  11 point Calibri in Word 2007 after years of 12 point Times New Roman being the default.  Although it can be easily overlooked, there are ways in Word to change the default settings to anything you want.  Whether you want to change your default to 12 point Calibri or to 48 point Comic Sans…here’s how to change your default font settings in Word 2007 and 2010.
The default font for Word is defined in the Normal style of the global template (Normal.dot). Word uses the Normal.dot template if you do not specify another template.
Before we see word 2010 here is review of previous versions 2000, 2002 and 2003.
To Change the Default Font in MS word 2000
To change the style of the default font, follow these steps:
1. If you do not have a document open, create a new document based on the Normal template. To do this, click New on the File menu, and then click the General tab. Click Blank Document, and then click OK.


Fonts dialog box
Picture of 2000


2. On the Format menu, click Font.
3. Select the font, point size, and any attributes that you want.
4. Click Default.
5. When you are prompted with the following message, click Yes.
Do you want to change the default font to font name?
This change will affect all new documents based on the NORMAL template.
6. While you hold down the SHIFT key, click Save All on the File menu.
NOTE: Click Cancel if Word prompts you to save the new blank document. Word will not prompt you to save the changes to the Normal template unless the Prompt to save Normal template option is selected on the Save tab (on the Tools menu, click Options).

How to change the style of the default font in Word 2002 or in Word 2003
 
To change the style of the default font in Word 2002 or in Word 2003, follow these steps:
1. If you do not have a document open, create a new document that is based on the Normal template.
To do this, click New on the File menu, and then click Blank Document in the New Document task pane.

Fonts dialog box
2. On the Format menu, click Font.
3. Select the font, the point size, and any attributes that you want.
Collapse this image Expand this image
4. Click Default.
5. Click Yes when you receive the following message:
Do you want to change the default font to font name?
This change will affect all new documents based on the NORMAL template.
6. On the File menu, hold the SHIFT key down, and then click Save All.
 
Note If Word prompts you to save the new blank document, click Cancel. Word will not prompt you to save the changes to the Normal template unless the Prompt to save Normal template option is selected on the Save tab. To find this option, click Options on the Tools menu.

MS Word 2010

Microsoft changed the default font to 11 point Calibri in Word 2007 after years of 12 point Times New Roman being the default.  Although it can be easily overlooked, there are ways in Word to change the default settings to anything you want.  Whether you want to change your default to 12 point Calibri or to 48 point Comic Sans…here’s how to change your default font settings in Word 2007 and 2010.

Changing Default Fonts in MS Word 2010

 
To change the default font settings, click the small box with an arrow in the right left corner of the Font section of the Home tab in the Ribbon.

image
In the Font dialog box, choose the default font settings you want.  Notice in the Font box it says “+Body”; this means that the font will be chosen by the document style you choose, and you are only selecting the default font style and size.  So, if your style uses Calibri, then your font will be Calibri at the size and style you chose.  If you’d prefer to choose a specific font to be the default, just select one from the drop-down box and this selection will override the font selection in your document style.
Here we left all the default settings, except we selected 12 point font in the Latin text box (this is your standard body text; users of Asian languages such as Chinese may see a box for Asian languages).  When you’ve made your selections, click the “Set as Default” button in the bottom left corner of the dialog.

You will be asked to confirm that you want these settings to be made default.  In Word 2010, you will be given the option to set these settings for this document only or for all documents.  Click the bullet beside “All documents based on the Normal.dotm template?”, and then click Ok.

Now, whenever you open Word or create a new document, your default font settings should be set exactly to what you want.  And simply repeat these steps to change your default font settings again if you want.
Please Note: Changing your default font size will not change the font size in existing documents, so these will still show the settings you used when these documents were created. 
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