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Before cursing the end of the grace period, here are some tips that will make the transition easier and less stressful.
1. Check if you can further delay payments.
As a rule, the grace period for a student loan ends six months after the student’s attendance at the college has fallen below half the time. For graduates, this period begins six months after receiving a degree.
However, some grace periods do not end after six months. In certain situations, you can postpone payments longer.
As a rule, if you return to school at least half the time until the grace period expires, your loan hours will be reset. You will not need to make payments when you attend classes, and you will receive a new six-month grace period after you finish your studies or fall below the attendance level.
If you are on active duty, then you also have a break. If you are called up for service for more than 30 days, then upon return you will receive another six-month grace period for the student loan.
If none of these situations apply, you may have other options. It is best to apply for a delay or waiver of your loans.
Keep in mind, however, that even if you are allowed to defer payments, you may not want to, or simply do not have to. No option makes student loans disappear, and some even increase the balance you ultimately need.
2. Set up your redemption system
Returning student loans can be confusing, especially if you have applications flying from different places. Believe me: I hate trying to keep track of your bills just like you. Why not make it easier for yourself?
One way to do this is to keep track of all your student loans from one place. Of course, I’m biased, but you can do it for free with your Student Loan Hero account.
It is easy to set up, and it can save you from the frustration of individually processing all your loans. Student loan hero even explains how you can save on your loans, which will help you to repay them faster.
After you have organized your loans, determine the best repayment strategy. If you sign up, the Student Loan Hero dashboard can even help you with options for paying off your credits.
One of the popular strategies is to make automatic payments. Instead of manually paying each bill every month, it is easier to set them up on autopilot. In addition, some federal student loan services will lower your interest rate by 0.25%. Although it is not so much, it is free money. Why not take it?
3. Think carefully about consolidation.
By now, you have probably heard about the consolidation of the federal loan. While this may be a good strategy, you need to know a few things before you unite.
Consolidation takes all your loans and groups them together. Interest rates are averaged on the basis of the balances of each loan, which means that in the end you will pay the same interest, regardless of whether you consolidate them or not. The main advantage of consolidating a loan is paying only one bill instead of many.
So when should you not come together? In particular, if you have 1) loans with different interest rates and 2) you plan to pay more than the minimum payment for each payment cycle, consolidation can cost you. Since you will not be able to first repay loans with the highest interest rates, you will not save on interest.
Keep in mind: after consolidation, this cannot be undone. Choose wisely.
4. Look at your interest rates.
There are only three ways to save when paying off student loans:
Lower interest rates
Having forgiven loans
A popular option to lower interest rates is to refinance with a private lender. Current rates are only 1.95% per annum, but you must meet the requirements. Want to know more? Check the questions before refinancing student loans.
Increasing payments without refinancing or consolidation can be an excellent option for faster repayment of loans while saving money. As mentioned above, it is best to first pay student loans with the highest interest rates.
For example, let’s say you have three credits:
Credit 1: a balance of $ 8,000 at 11%
Credit 2: a balance of $ 6,000 at 3.5%
Credit 3: a balance of $ 5,000 at 6.8%
Since each month you are charged the highest interest rate on loan 1, you must repay this loan as soon as possible.
To do this, monthly produce minimum payments on loans 2 and 3, and do the rest in the direction of the loan 1.
As soon as loan 1 is repaid, pay at least loan 2 and put everything else in the direction of loan 3.
By following this strategy, you will save as much interest as possible on each subsequent payment. Just make sure your service staff knows how to apply additional payments to the main balance, not to future payments.
5. Do not skip payments.
If you have a loan, one of the worst options you can do is skip the payment.
For more info : https://studentloansresolved.com/
How big is the student loan debt when it comes to the ability of Americans to buy houses? It is widely believed that cutting student debt does not allow many college graduates to save money on the initial mortgage payment, and missed loan payments ruin their credit scores.
Although these factors account for lower homeowner rates among recent graduates, new numbers show that the impact is minimal. Here is a closer look at how student loans and mortgage rights are related.
New student loans and mortgage data
A new study Zillow showed that student debt does not significantly affect your likelihood of home ownership, if you have completed at least a bachelor’s degree.
Graduates of colleges with a four-year education and no debt on student loans have a 70 percent chance of owning their own home. This probability is reduced by only 4 percent for bachelors from $ 50,000 in student debt.
Although obtaining a mortgage loan or maintaining a down payment can be a daunting task in managing significant debt, studies show that student loans should not be a serious obstacle to home ownership – and not for most graduates.
If at least one of the spouses has a four-year education and does not have student loans, the probability that the couple will own the house is about 69.8%. If the same couple divides $ 30,000 in student debt, their chance of home ownership drops slightly to 67.7 percent – a 2.1 percent difference.
The same marginal effect of student loans persists even at the graduate level. Persons with medical, legal or doctoral education have the highest probability of owning their home, despite the high prices that often accompany graduate school.
A release without a master’s loan program gives you an 80 percent chance of owning your own home. Add to this amount 50,000 dollars of student loans, and your probability will fall by only 5 percent.
According to the study, achieving a higher level of education protects borrowers from the negative effects of debt on student loans when they are ready to buy.
Associated or not degree
Possession of less than undergraduate is where sensitivity to credit is increased. For those who have a university degree as a junior specialist, the likelihood of owning a house drops sharply from 73 percent without debt to 57 percent if they complete their studies with debts of $ 50,000.
Those who do not have a diploma are the worst; the probability of owning a home starts at 48 percent and decreases if the student has accumulated a debt on a student loan, but has not received a diploma.
Are you ready to buy a house?
Although student loans have little effect on home ownership for most graduates, other factors need to be considered before buying a home.
One of the most important factors affecting student debt is the debt to income ratio (DTI). Lenders calculate DTI by dividing your total monthly debt by your gross monthly income. If you already have a hefty student loan balance or other debts, such as credit cards or car payments, your income-to-debt ratio may exceed the lender’s limit. Deal with this by paying the highest loan balances to reduce your DTI.
Also consider what you can afford. Your annual income, monthly debt and down payment all affect the determination of a reasonable mortgage payment. Insert numbers into a calculator and play around with numbers to see how much you can afford at home. Your results can help determine whether you are willing to look for creditors or you need to postpone the purchase until you have mastered your finances.
The impact of student loans on your ability to buy housing has long been exaggerated. It’s time for a new story.Doing math and knowing your options will help you determine your priorities – whether it’s paying off your student loans or home hunting.
For additional info : https://studentloansresolved.com/
It is not surprising that forgiveness of loans to public services is one of the most talked about student loan programs. But this is often misunderstood. Trying to find out if you have the right, and when to apply, seems as difficult as getting a diploma.
To answer some questions and clarify misconceptions, here are four amazing facts about the Forgiveness Program for Public Service Loans.
Fact # 1: Your employer, not you, must meet the requirements.
To qualify for the PSLF program, your employer must be a very specific type of organization. The focus is not on the work you do, but on the organization for which you do it.
Qualifying employers whose employees can apply for PSLF are:
Non-profit organizations that are exempt from taxes under Section 501 (c) (3) of the Tax Code
Any local, state, federal or tribal government organization
Some non-profit organizations with relevant government services
Some volunteer organizations, such as the Peace Corps and AmeriCors
There are certain groups that may seem to fall under the category of public service, but do not. For example, trade unions, political parties, commercial groups or non-profit groups that are not subject to Section 501 (c) (3) of the Tax Code cannot be considered employers of the public service.
If you are not sure that your employer is a valid PSLF employer, click on the link to the relevant government services above or contact your company’s personnel department.
Fact number 2: You must be a full-time employee.
Part-time workers will not be eligible for forgiveness of a government service loan, even if they work for a current employer PSLF. You must work at least 30 hours a week, or as much as your employer considers full-time.
In addition, it should be noted that the more than 30 hours rule deserves to be mentioned that none of this time can be spent on any religious functions, such as teaching, worship or proselytism.
Fact number 3: You must have appropriate loans.
Only loans received under the Direct Loan Program can be forgiven for a loan to government employees.
The only way to get federal Perkins loans, federal family education loans, or any other type of federal loan that meets the PSLF requirements is to combine them into a direct consolidation loan.
Unfortunately, none of your previous payments prior to consolidation using a direct consolidation loan will be considered one of the 120 required qualifying payments.
If you do not know if your federal student loans match the PSLF program, log in to the Federal Student Aid website to find out what loans you have.
Fact number 4: You must make 120 suitable loan payments.
First, only payments made after October 1, 2007 will potentially qualify as one of the 120 mandatory payments required for forgiveness of a loan.
Secondly, the redemption plan that you used to make these payments matters.
Fortunately, the payments you make in accordance with the income-based redemption plan are recorded in the PSLF. Your payments are acceptable if you make payments on a direct consolidation loan using the following plans:
Revenue Based Redemption Plan (IBR)
Pay as you earn a plan (PAYE)
Revenue Based Redemption Plan (ICR)
Another factor to consider is: will you have a debt after 120 payments? It takes a lot of time to make 120 loan qualification payments (minimum 10 years), and many borrowers will not have much money left on their federal balance of student loan debt.
However, your payments can be as low as $ 0 per month, especially if you participate in the IBR program. It depends on your income and the repayment plan in which you are registered.
PSLF typically serves borrowers who have difficulty repaying loans due to low salaries and / or high student loan balances.
If you are eligible to participate in the Civil Service Loan Forgiveness Program, the balance after 120 qualifying payments will be forgiven.
To verify that you meet the requirements, it is recommended that you submit your job application form to your loan specialist each year. This way you can, rather than later, find out if you are in line with your current job.
Not everyone who thinks that they meet the requirements will actually do it, so be sure to spend your research
For additional information : https://studentloansresolved.com/
According to a recent study by Sally Mae, only 48% of parents are currently putting aside funds to educate their children in college. Whether due to poor planning, rising college expenses, loss of employment, or other extenuating circumstances, many parents take student loans on behalf of their child to pay for their education.
Although it is generous and sometimes necessary, it also burdens many parents. They are often left to pay the loan “Parent Plus” much later than their graduates, and sometimes retired.
So, should children repay their parents and help with the Parent PLUS loan repayment if their parents took out a loan on their behalf? Should they refinance loans in their own name? Or should they allow their parents to pay loans, since how did they get them?
There are no simple answers to these questions; however, it really depends on the circumstances of each case.
Sometimes children do not know much later that this is how their parents financed their education. At the same time, parents may not be aware of the burden that loans will place on them until many years have passed.
Who is legally responsible for parenting PLUS loans?
Legally, a parent who takes a loan in his own name is responsible for paying off the Parent PLUS loan. This is because the parents decided to take out a loan specifically for their child, agreeing to repay it.
The only way to change it now is to apply for a refinancing loan in the name of this child.
However, the child should do this only if he wants it, and can comfortably pay the student loan on time every month.
Should you take on the repayment of loans?
So what if you can’t or can’t refinance PLUS your parents ’loans to your name? Should you just offer to pay them?
This is a difficult question, and it definitely depends on the situation. But in some cases, the return of these loans may be the right decision. This may be the case if
you have a good relationship with your parents
you have a solid, highly paid job,
you can afford the payments and
You do not want to burden your parents in retirement.
Personally, I would not want to burden my parents with a student loan. If they had taken a loan on my behalf, I would probably have taken a loan or at least planned automatic payments for them from my current account until the loan was repaid. I do not like to feel that someone is stuck in debt or postpones retirement because of me.
However, I have a pleasant neighbor who is a retired teacher and a mother who pays a student loan on a Parent PLUS loan every month. She lives in the expensive part of the country next to her family, but since she is modest and does occasional work on the side, she can also regularly repay her Parent PLUS loan and still retire.
Facilitating loan repayment Parent PLUS
If you cannot afford to accept payments for your parents, but still want to help, you can recommend how your parents can make Parent PLUS loans more manageable.
On the one hand, they can consolidate and refinance PLUS loans into a private loan. If they qualify for a lower interest rate to help save money during the life of the loan. It will also reduce the number of loans that they need to track, simplifying payment arrangements.
Your parents can also check whether they have the right to a payment plan with a conditional income, which will require them to pay no more than 20% of their discretionary income to pay the student loan each month. After 25 years of payments, loans are forgiven.
Ultimately, leaving your parents burdened with student loan loans for your education is not an ideal situation. This can cause family disagreement about who should be responsible for paying off a student loan, and can burden your parents and possibly even delay their retirement.
It is best to talk with your parents, have an open dialogue and try to find a way through which you can work together to cope with debt, regardless of whether you contribute to repayments or fully accept the loan.
For more info : https://studentloansresolved.com/
How to make a wireless charging for the iPhone do it yourself
No one can say for sure whether the future iPhone will be equipped with wireless charging. Apple technology users have been waiting for this functionality for more than a year, but nothing has changed. Do not wait for the release of the new iPhone model just for the sake of wireless charging. After all, you can equip a wireless charging any iPhone – modern technology allows you to do it with ease.
There are two ways to solve this problem. The first is to connect the receiver of wireless charging to the smartphone and put on your case. The second is to use a ready-made solution in the form of a case that supports wireless charging. After which the cover is placed on a special panel in any place convenient for you. But is such a method considered to be real wireless if the process still uses a cable, even if it is connected to another docking station? Yes, because energy is still transmitted without the use of wires.
The operation of wireless charging is based on the properties of an induction coil that can transmit electrical current. Nikola Tesla proved this back in the 19th century. If the coil is connected to a power source, a magnetic field will arise in it, which goes perpendicular to the coil windings. If you put the second coil in this field, there will be tension.
This principle is based on the work of wireless charging for the iPhone. In the role of the coil here is a docking station with wireless charging. The docking station is connected to the network, after which a charging case or receiver connected to the iPhone is placed there. In the second coil there is a voltage – this is how the charge indicator appears on the smartphone.
There are two ways to charge your iPhone without wires. The first one is to put on a special case on the smartphone that supports wireless charging. One of the best brands on the market in this segment is the Nillkin manufacturer. It produces high-quality leather cases, for example, N-Jarl for the sixth iPhone.
It looks like a standard case, but inside there is a module for receiving Qi wireless charging. To charge, you need to put the case on the iPhone and put it on the charging station – it is sold separately, there are both expensive and budget copies.
For the new iPhone models – 7 and 7 Plus – there is a line of covers with Qi support. The mechanics are a little different: the transmitter is inserted directly into the charging port. N-Jarl black color goes well with the iPhone in colors “pink gold” and “black onyx.” Leather Nillkin Magic is covered with a pleasant to the touch polycarbonate, which prevents the sliding of the smartphone in the case. The charging module is interchangeable with a standard Lightning cable.
The covers are also equipped with four neodymium magnets – they allow you to use magnetic accessories with wireless charging.
For the car there is a holder Nillkin Car Magnetic, which performs not only its standard function, but also is able to charge the smartphone without wires. In the kit with the holder, the manufacturer put the micro USB cable for charging.
Among the most cost-effective options to make wireless charging is to buy a Baseus wireless charging module that even connects to the fifth iPhone. This is a small coil with a plug that connects to the charging port. The design is suitable for a cover of any size.
In addition, it is worthwhile to consider the Home Tree module, which is compatible with all iPhones with a Lightning connector. Its price is slightly higher, but there are no complaints about the quality. A nice bonus will be a sticker that is glued to the back of the iPhone.
Wireless charging is no longer a luxury, but an affordable addition to any smartphone. In addition to convenience, it is also useful – such charging helps to keep the Lightning connector from excessive wear.
How to optimize an article for the site? TOP 5 rules
With text optimization, you can achieve good results. In particular, after indexing the page, it will get an advantage over competing articles. Correctly optimize the text and other page parameters will help a few of the rules given in this article.
1. SELECT KEYS FOR SEO ARTICLE
In order to optimize the page, you need to select a key phrase related to its topic and affecting the interests of Internet users. So, if the article is written on the topic of optimization, then one of the options for the search phrase is “how to optimize the site.”
Choosing a key to optimize an article, you need to use online services to determine their popularity. For example, Yandex.Wordstat can show that this phrase is typed about 930 times a month by search engine users.
2. OPTIMIZATION OF ARTICLES FOR SEVERAL KEYS
A common question is how best to optimize an article – under one request or several? The answer depends on specific keywords. For example, if we are talking about similar in composition search phrases “website optimization” and “website search optimization”, then for these keys one page can and should be optimized.
And if we are talking about different keys, for example, “website promotion” and “internal optimization”, then you should use 2 different text.
Otherwise, text optimization of one page for different requests can only adversely affect search engine optimization for each of the phrases.
3. ADDITIONAL KEYS TO ENHANCE ARTICLES QUALITIES
Choosing key phrases and compiling a content plan, you can notice among the possible options for keys rather weak low-frequency keys, very similar to the main keyword for promoting an article.
For example, having a frequency of 13000 search query “site optimization” has several analogs – “seo site optimization” (933 queries per month) and “seo search engine optimization sites” (275 queries). Here you need to pay attention to the additional words – “seo”, “search” and so on.
If you use these words in the text, then the relevance of the article will increase. Another advantage is that you can receive additional traffic on more rare requests containing these words.
4. VARIETY OF FORMS OF KEY PHRASE – THE KEY TO SUCCESS
Some time ago, spamming text was popular – a key was added to the article several times to increase the relevance of the article. Now this method no longer works, and after the appearance of the Baden-Baden filter from Yandex, the method has become simply dangerous.
The diluted forms of the key, its synonyms and so on work more effectively. For example, to optimize a turnkey article “seo optimization” it is enough to use this key once in the text, preferably in the first paragraph.
Next, you need to use as many key variations as possible, as well as related words and phrases: “search”, “promotion”, “optimize”, etc. The search engine perfectly recognizes words related to one topic, and their presence in the text will only positively affect the relevance of the article.
5. OPTIMIZATION OF IMAGES FOR ARTICLES
An additional advantage is the presence in the text of unique photos, screenshots, and so on. All this will not only make the material useful from the point of view of users, but will also increase the relevance of the article. When adding images, it is worth considering that filling the Alt tag with a phrase that is directly or indirectly related to the key will help to quickly bring the site to the TOP.
The above rules in no way exclude the fact that people read articles, and their behavior also affects the speed of search promotion. Therefore, articles should not only be close to the ideal from the point of view of search engines, but also be useful to the reader.
Use your own example and experience, as well as information from several source articles, to make the article the best contender for getting into the TOPs of search engines.
For more info : https://www.webzool.com/
When creating a website promotion strategy, especially in unfamiliar topics, there are often questions related to the correct breakdown of the landing page, the structure and placement of the text, the density of key phrases.
The best way to get rid of them is to analyze the websites of top competitors and use their solutions.
There are several ways to quickly analyze search results, which help to quickly understand the basic characteristics of leading sites.
First, you can use the Analysis Top tool of any analytical service and use it to obtain data on TIC indicators, site age, PR, number of backlinks and registration in directories. This information will allow to draw conclusions about the level of competition for this request.
This tool has one useful feature that helps determine the breakdown of queries by promoted pages.
ANALYSIS OF SITE TEXTS
Secondly, you can use the Text Analysis tool, which allows you to determine the SEO characteristics of the text on the landing page. After such an express analysis, it will be immediately obvious whether it is worth moving further in this direction or whether the problem should be solved elsewhere.
When conducting SEO analysis of texts, it is necessary to accurately calculate the number of key phrases in the text (exact entry and word forms). First, it is better to analyze the content part, in which there are no pass-through blocks (menu, header, footer).
It is the content of the site will be crucial when ranking the search engine, and end-to-end blocks are almost not taken into account.
If the issue of Yandex is analyzed, then the blocks located in noindex should be excluded, and if the output of Google is analyzed, then the blocks in noindex should be taken into account.
It must be remembered that in addition to standard SEO indicators, there are other important parameters – the location, content and design of the text. To understand what text to place on the landing page, you need to examine the sites of competitors in terms of usability.
The third method is the analysis of text fragments in the issuance of key queries. Many optimizers do not analyze the site clickability, which immediately narrows the range of limiting factors.
Monetization of the site is directly dependent on the volume of traffic on key requests, so low clickability will lead to a quick loss of the leading place.
Sites that have a high CTR, it is very difficult to oust from the “Top 10”. If there is a very low CTR for important requests, then you need to compare this figure with the CTR of a competing site and try to understand the reason for this.
If the site has a lot of problem queries, then the Position Analysis tool, which can be found in popular analytical services, will quickly analyze them.
For more info : https://www.webzool.com/
Common SEO Abuse Techniques
There is no such factor as a wonderfully optimized page. Search engines don’t need to
return the foremost optimized page, however the page that best satisfies the searcher’s
If you have got a page title and H1 header that square measure precisely the same, and every one of your internal links and every one of your arriving links from different sites inform to it page use that very same text, then that appears suspicious (like tried ranking manipulation). As a result, the search engines could de-weight that or filter that out of the search results.
How does one minimize your risks and create your website a lot of stable? It’s best to combine things up a touch and build one thing that markets itself. Or, attempt gazing things like a program engineer would.There is an idea known as poison words, wherever if you have got things like link exchange, add URL, or link partners on a page, there stands an honest likelihood a research engines could place less weight thereon page or its departing links. within the past, some common poison words were things like forum and guestbook. A lot of content is to be of inferiority or associated with spam, the a lot of probably search engines need to de weight it.
Search engines might want to punish the utilization of “spammy” sites mistreatment an H1 header, therefore instead individuals use an H2 header for the best level header tack on the spammy sites. perhaps they give the impression of being to de-weight site-wide links to the house page close to the end of the page code mistreatment the precise same link text because the home page’s page title, therefore instead you link to the house page from earlier within the page code and/or use slightly totally different anchor text than your page title and most of your link profile.
Keep in mind that a number of the search connectedness algorithms square measure genetic algorithms that train themselves to check the connectedness of latest result sets, however humans still program them. Google needs to possess a bias toward informational resources.
Yahoo! are a lot of biased toward commerce. These biases will have an effect on
optimization, as well.
If you’re thinking that sort of a search engineer, those techniques that square measure common in SEO and not therefore common on regular websites square measure the foremost probably to be de-weighted or punished. Keep in mind that optimizing content is concerning matching quality signs, but if you match too several too closely, it might send a negative signal.
Current international SEO analysis In an increasingly globalized world, it is important to be found by search engines. As Webzool business is global, then Search Engine Optimization (SEO) takes on a predominant role in making their website contents universally available. If a company wants to highlight its contents on Google for international markets, it needs to work out an SEO strategy, so that it can promote itself to the international target audience, maximizing all the effort and investment spent creating the website. The goal of SEO is to generate more traffic to the website, by increasing the number of qualified visitors and boosting not only the number of customers but also the increase in deals closed. Companies that position themselves in Google’s first (unpaid) organic results are perceived as market leaders, with confidence and quality perception superior to the competition. The theory of SEO is complex, and it is easier to be understood from the so-called “user experience” perspective. That is, the user’s own experience of search engine searching. Nowadays, people are regularly engaged in the Google ecosystem of search engine optimization and search engine marketing. Anyone that type in anything on Google, is involved in SEO. There are several hundred known and theoretical ranking factors, and they affect “position” on Google. They determine how high a web site, social media or article will rank on Google, and the search engine optimization community is constantly trying to figure everything out. Having an SEO-compliant website means having and managing a website in a way that it follows search engine understanding and communicates clearly what it’s about to its target audience. . Therefore, the focus should be on user intent and user satisfaction, rather than using underhanded, manipulative techniques. As the engines continue to evolve, search protocols and ranking factors may change, but SEO and user experience will continue to work aligned.
Related : How to choose best seo consultant in Los Angelos
Concerning the benefits of SEO for higher education, incorporating SEO in the website increases traffic, and the recommendations of users visiting the website can help Webzool to get more hits and attract new one clients . The reach and scope achievements by implementing SEO, leads to a larger audience. Organic SEO results are not dependent on ads, and with efficient maintenance, can make the site appear at the top results without having to advertise.
For more info : https://www.webzool.com/