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Stupid student
"I am the first in my family to go to college. Without family support, I self-financed three college degrees (BA, MA, and PhD) at state colleges between 1988 and 2005 using Pell Grants, multiple jobs, scholarships, and $90,000 in subsidized and unsubsidized student loans. My loans have been bought and sold so many times it is impossible to keep track of changes in rates, balances, and terms of service since I have never had to resign any promissory notes. Eventually, I was able to consolidate...
Internet Security
Online banking and management of personal loans is a practice that can cause even the most veteran of computer users to feel a twinge of unease and nervousness. Hackers are growing more numerous and more sophisticated with each passing day, and the risks involved with online banking are enormous: an individual’s entire monetary worth. But in this increasingly digital world of ours, the management of personal loans and money transactions online is moving to the forefront of banks’ security...
Duplex that would qualify for HARP 2
Under the Home Affordable Refinance Program Phase II, better known as HARP 2, home mortgage loan borrowers who own duplexes or triplexes are able to qualify for a refinance so long as their loans meet the other HARP 2 requirements as well. HARP 2 is the government’s response to the original HARP that failed miserably. The original HARP was unable to succeed because of its strict requirements that proved to bar most of those it was designed to help from qualifying. This new program has been...
Starting line
The news and other media sources have been heralding the auto loan industry as the current leader in the financing world. Reports of dropping interest rates, growing car loan originations, and fewer defaults have been causing the other financing sectors to look upon their vehicle-focused brother with sharp stares of envy. But what has caused the auto financing industry to take the lead in this race to success? Particularly after considering the state American car manufacturers were in just a...
Graduation cap and diploma
From the moment we enter kindergarten to the time we step foot out of college we are told we can be anything we want. “Follow your dreams, and you’ll be happy,” is a saying we heard so frequently from almost every teacher and every mentor that it might as well have been a recording toggled on repeat. While there is undoubtedly some truth to that statement, cynics are born when their dreams don’t yield the sort of future they hoped for, and they find themselves crushed under the weight of their...
Fork in road
Some experts advise unemployed graduates with student loans to consider an alternative career choice (even if that path is just a temporary detour) and re-invent themselves in order to weather the debt storm. In a recent Forbes Magazine article, an analysis was performed on recent law school graduates who entered a competitive work force without enough available jobs. The magazine discovered that out of an annual amount of 45,000 law school graduates and only 25,000 yearly job openings, around...

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