4 Options To Refinance Your Parent PLUS Loans

HomeFinanceFinancial aid4 Options To Refinance Your Parent PLUS LoansThis page may contain affiliate links.Feb 1, 2019Many parents feel the need to help their children pay for college. However, with the high cost of college, its not uncommon for parents to consider PLUS loans to cover their childrens costs. However helpful parent PLUS loans can be, though, repaying them can be costly. The current rate for PLUS loans is 7.6%, up from the 7% rate for loans disbursed between July 1, 2017, and June 30, 2018. When it comes time to repay the debt, it can be frustrating to deal with those rates — especially if you can get a better rate with parent PLUS loan refinancing. So if  youre asking yourself should I refinance my parent PLUS loan, the answer is to at least understand your options, do some research, and compare interest rates. If youre looking for a way to get a lower rate, or if you just need a lower payment, refinancing can be one way to go. Here are four ways to refinance your parent PLUS loans. 1. Refinance the Parent Plus Loan into Your Name When you refinance a loan, you borrow to pay off the old debt. Your new loan should have terms that you prefer, such as a lower interest rate or a longer repayment term (or both). With a lower interest rate, youre likely to pay less money on your debt over time. Interest savings can be hundreds of dollars. And, if you keep the same loan term, you might see a smaller monthly payment because of the lower interest rate, improving your cash flow. In some cases, its less about a lower rate and more about reducing monthly payments with the help of a longer term. If you dont end up with a lower rate, you could actually pay more in interest over the life of your loan, but youll have better monthly finances. Can I refinance my parent PLUS loans? Whether parent plus loan refinancing is successful for you depends mostly on your credit situation. In order to get the best terms, you need good credit. In fact, some lenders wont consider you for parent PLUS refinancing without a good credit score and adequate income. Keep in mind that when you got your parent PLUS loan from the federal government, the credit check was limited to major negative events, like missed payments or default on your own student loans. When you refinance these loans, youre getting a private loan, and the underwriting standards are tougher. Before you try to refinance PLUS loans, double-check your credit. 2. Refinance Parent PLUS Loan into Students Name When you get your parent PLUS loan, its  your debt, even if you take it out in order to help your child or grandchild with their education. In order to get around this, you can have your student take over the loan through refinancing. If you go this route, the student will have to be approved to refinance your debt. Since the debt was taken out as a benefit to them, some lenders are willing to have the student take it on. Can I transfer a parent PLUS loan to a student? However, if you refinance a parent PLUS loan to your child, realize that they will have to meet the credit requirements set for by the lender. That might mean you will have to cosign on the loan in order for them to get it. While the student then becomes mainly responsible for the debt, if they start missing payments, you are required to step in. The reality is that you cant just put the students name on the PLUS loan and have them take over payments. Lenders require them to actually qualify for a loan. However, if you can have the debt put in their name, even if you have to cosign to help them qualify to refinance the parent PLUS loan, at least it transfers some of the responsibility to them. What about having a student paying parent PLUS loan? If you cant get the  company to refinance a parent PLUS loan into the students name, you can work with your child to see if they will make payments. They can send the payments to the lender each month instead of you, or they can send you payments that you can then put toward the parent PLUS debt. However, realize that in this arrangement, the child isnt legally bound to pay the debt. Its your debt, no matter who benefitted, so youre expected to see the obligation met. Even if your student pays for a little while, understand that life circumstances could mean changes, and the student might stop making payments. 3. Use a Home Equity Loan Another way to pay off your parent PLUS loans is to refinance using a home equity loan. If you have enough equity in your house, you could get a loan and then pay off the PLUS loan. In many cases, because a home equity loan represents secured debt, you can get a lower interest rate. You might be able to save money and lower your payments each month. Depending on your credit, you might be able to get better terms with a home equity loan than you would from using a private parent PLUS refinancing company. Risk of using a home equity loan for parent PLUS loan refinancing The downside to using a home equity loan is the fact that you could lose your home if you dont make payments. With a parent PLUS loan, there are credit consequences, and non-payment could mean wage garnishment or tax refund garnishment. However, you dont have to worry about losing your home. Parent PLUS loans are unsecured debt, while a home equity loan is a secured debt. Its important to be very careful and understand the risks before you use secured debt to pay off an unsecured loan. 4. Federal Direct Parent PLUS Consolidation If you meet the requirements, you can actually consolidate your parent PLUS loans using the Income-Contingent Repayment (ICR) plan, which is the only income-driven plan compatible with PLUS loans. Using federal consolidation isnt true refinancing. You arent going to get a lower interest rate, and you arent using a new loan to pay off current debt. However, with ICR you can get a lower monthly payment. If youre hoping for more affordable monthly payments and better cash flow, and a lower rate isnt as important for you, this can be a decent choice. With ICR, your payments are capped at 20% of your discretionary income or the amount of your payments on a 12-year plan, whichever is lower. Plus, you get a loan term extension to 25 years. If youre struggling and parent PLUS loan refinancing isnt a viable option, this could at least help you afford your monthly obligation. Can a parent PLUS loan be forgiven? One of the perks of choosing ICR for your parent PLUS loans is that you then become eligible for Public Service Loan Forgiveness (PSLF). You have to meet the requirements of PSLF, though. So, you need to make 120 qualifying payments while working for a non-profit or government organization. If you know youll be working at a qualifying job for 10 years, getting on ICR so you can use PSLF later can be one way to keep your payments manageable and then have your parent PLUS debt forgiven later. Which Lenders Offer Parent PLUS Loan Refinancing? There are some lenders that specialize in refinancing parent PLUS loans. Some will refinance your loan for you, while others will refinance the parent PLUS loan into a students name. Carefully consider your needs before you move forward. Lenders that refinance parent PLUS to child These lenders will refinance your parent PLUS debt in your own name, but they also offer the option for your child to take over the loan — as long as the child qualifies. SoFi CommonBond Laurel Road* PenFed (done with Purefy)* Education Loan Finance* Check to see if there are special protections, such as hardship programs, offered by these lenders before proceeding. Although, if your main concern is to get the parent PLUS loan transferred to the student, it might not be a priority for you. Lenders that refinance parent PLUS loans only to the parents name Maybe you arent concerned whether your parent PLUS loans are refinanced to your students name and you just want lower rates. You can compare the previous lenders rates for regular parent PLUS loan refinancing with the following lenders: Discover Student Loans CommonBond Earnest* Citizens One* Compare rates to get the best deal, and make sure you know what youre getting into before you proceed. *You can compare refinancing rates from several lenders with Credible. We recommend you check Credible for prequalified rates for these lenders and then research other lenders, not on Credibles platform to see your full spectrum of options.   Parent PLUS Loan Refinancing: Bottom Line As you consider your upcoming life milestones and financial needs, parent PLUS refinancing can be a big part of making sure youre able to accomplish what youd like to, especially if you want to retire soon or already live on a fixed income. In an ideal world, your student would be able to take over the payments and youd be able to find a lender willing to effect the transfer. However, not all grads are able to take on parent PLUS payments in addition to their own student loan debt payments. So, even if youd hoped your child would take over, you might be on the hook in the end. Its a good idea to prepare for that possibility. With refinancing, you can get the payments to a manageable level, as well as potentially save money in the long run with lower interests rates. Consider your needs. If you have good credit and a regular income, you might not need federal loan protections and PSLF. If thats the case, refinancing can help you move forward. On the other hand, if you work for the government or for a nonprofit organization, you might be able to use the ICR workaround to better afford your payments while working toward forgiveness. Be practical about your finances going forward. Weigh your options and choose what is likely to provide you with the best long-term outcome.

Customer Service The Key to a Prosperous Business

When it comes to providing customer service, customers want quality, assurance and their demands met. Companies have a commitment to give good customer service. GE (General Electric) is ranked one of best companies that provide excellent customer service. Their commitment, training and quality to the customers for decades is how they gotten to the top. Meanwhile, AOL is ranked as one of the worst companies that provide poor customer service. There rude deposition, unethical guidelines and disgraceful quality is why they are going out of business. GE’s motto, â€Å"We bring good things to life† is definitely working for this company by gaining new customers, keeping old customers and increasing profits. Their great customer service†¦show more content†¦These key elements and putting customers first is why GE is the best company for providing customer service. This has not been AOL’s strategy or how they give customer service. AOL, American Online, one of the worst companies for customer service, has not followed in the footsteps of many by having key elements of quality for their consumers. In the past, this company was on top with â€Å"over 30 million customers† from their dial up services with the internet (Karen Aho, 1). During the past years they have seen a dramatic decrease in profits and a drop of â€Å"9.3 million paying customers†Ã¢â‚¬â€a huge decrease (Aho, 1). Why the downfall of a profitable and every growing company? The answer is simple. Due to the recession, AOL started to cut costs in the wrong areas—one of them customer service. The main goal by AOL was to â€Å"maximize the shareholders profit and leave the customers last† (RPA, 1). Their training was far from the Six Sigma management training process and a good way to describe it was poor and inexcusable. At AOL, they have poor call centers, where there is a long automated voice system before you reach a human. 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Essay on Geography of Russia - 2147 Words

Russian geography - Regions of Russia Russia is a country about 1.8 times the size of the US occupying the vast area between Europe and the North Pacific Ocean. It has an area of 10, 672,000 sq. miles (17,075,200 sq.km) and a population of almost 150 million people. Occupying a large territory in Europe and Asia Russia is spread over all climatic zones except tropical. It takes over 8 hours by plane to reach from Moscow to Vladivostok on the Pacific coast. West of the Ural mountains from the Black Sea in the South to the Arctic Ocean lies a broad plain with low hills where the historical core of the Russian nation is located. East of the Urals from the border with Kazakhstan, China and Mongolia to the Arctic coast lies Siberia - a†¦show more content†¦Various mountain ranges making up the northern slope of the Greater Caucasian mountain range are located in southern Russia. Another mountain chain, including the Altai range, is to be found in southern Siberia. The Kamchatka mountains (including some active volcanoes) stretch along the Pacific coast. Russia abounds in mineral resources whose total potential value (in world prices) is estimated at an impressive $30 trillion. Russia produces 17 per cent of the worlds crude oil, as well as 25-30 per cent of its natural gas, 6 per cent of all bituminous coal, 17 per cent of commercial iron ore and 10-20 per cent of all non-ferrous, rare and noble metals mined across the globe. The largest oil-and-gas deposits are to be found in Western and Eastern Siberia and on Sakhalin Island. The list of Russian mineral deposits includes gold, silver, platinum, cobalt, antimony, zinc, mercury, and many others. Russian mineral resources are distributed rather evenly along the nations territory. For instance, copper-and-nickel ores are mined in the Northern Caucasus, the Urals, Siberia and the Kola Peninsula. Most of Russias territory is located in the temperate belt. 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Caribbean Literature free essay sample

Based on different readings and lived experiences, the one question that always aroused is what effect do Caribbean women have on knowledge construction and ideas dispersed? The purpose of this research is to demonstrate the intellectual culture among Caribbean women. In addition to displaying their cultures, this research looks to clarify and bring to the surface the lifestyle that Caribbean women have faced, is facing and have taken into their own account to write and speak about. This research also includes the Caribbean’s women perspectives on social circumstances, economics, colonialism and the history that either them or their ancestors endured. This research paper explains the intentions of the research topic, which is to investigate and indicate some of the challenges and problems through which Caribbean women have encountered. What defines this project and really made it interesting is the ideology that unless a Caribbean woman has transformed herself into what the colonized wanted, then she has no intellectual culture. We will write a custom essay sample on Caribbean Literature or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page It is a topic in which one can entirely study to gain knowledge of how Caribbean women had their own consciousness before they were colonized. The desires to understand how Caribbean women were able to stay strong and keep their beliefs despite of the world that they knew. Also, for those that did assimilate to the world that stood before them, was it hard for them to regain their mindset and their way of life? These are questions that aroused in hopes to carefully and adequately the minds of Caribbean women to completely recognize their transformation. The impression that this research is expected to portray is to enlighten individuals to rethink their understanding of not only the women in the Caribbean but also the Caribbean itself. The comprehension about these women was constructed, deconstructed and then reconstructed. This research is created to deeply understand the true reality of women in the Caribbean. In this research I argue that Caribbean women have more to themselves then many think. They have a strong intellectual mindset and culture and that is what my research will depict.

Research Paper on Inventory Management Essay Example

Research Paper on Inventory Management Essay Inventory Management Research Report: Inventory management is the study and branch of management which touches upon the storage, distribution, protection and transportation of the inventory of a company. Every organization has its own inventory, which helps to do the work well and enables the company to function properly. The inventory includes everything, which belongs to the organization and plays the active role in its work. Even such simple items as tables, chairs, paper and pens belong to this list, because it is important to know the number of these items and their condition in order to avoid any misunderstandings and shortages of these essential things. Such important objects as tools, computers, telephones and machines are far more important for the functioning of the organization, because they are the very factors, which guarantee the quality of work and production. Inventory management is extremely important for the work of an organization, because a smart businessman should know what he has in the company, wh ere it is used and how many items are already out of use and require repairing or substitution. We will write a custom essay sample on Research Paper on Inventory Management specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Research Paper on Inventory Management specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Research Paper on Inventory Management specifically for you FOR ONLY $16.38 $13.9/page Hire Writer The problem of inventory management is quite serious, because inventory costs money and the manager who is responsible for the inventory management should follow that the items are in the appropriate condition and function for the sake of the company further. It is obvious that the problem of inventory management touches upon more serious aspects like the modernization and improvement of the stuff. This means that one should purchase the new machines and tools and substitute the old ones with them and the manager should do this job with the least expenditures and loss for the company. Inventory management is the serious problem which guarantees the successful work of an organization, so if one wants to learn about the topic more, he should devote much time to the investigation of the problem and complete a good research report on it. A successful inventory management research report is supposed to contain original and up-to-date information and profound analysis of the topic. A student should analyze the topic well and focus on the core aspects and components of inventory management in order to describe the problem from all sides and evaluate the process professionally. It is important to prepare a detailed methodology section in order to demonstrate the critical thinking ability and analytical skills.

4 Ways to Make a Short Resume Longer

4 Ways to Make a Short Resume Longer Resume too short? The first question to ask yourself is probably the ever controversial â€Å"one page or two†? The debate rages on, but all you need to decide is how long your resume should be. If you’re fairly advanced in your career and have more pertinent experience than you can fit onto one page, then two (or more) pages is encouraged. If you’re starting out, however, the general rule of one-page should probably still apply. Either way, if you feel your resume is a little on the thin side, and not quite at the length you think is most appropriate, here are four tips to beefing it out.1. Add your achievementsYour achievements can be just as relevant as where you went to school. Try to find a way to put them in context. Include a few statements to show how your particular strengths and achievements prove that you have what it takes for a particular job. You can also list any major accomplishments in previous jobs (or really any instances in which your performa nce was remarkable- and relevant).2. Add to your work historyYour work history is one of the first and most important things a potential hirer will look at on your resume. If you don’t have numerous relevant job titles to list, you can include work experience you gained in internships or training programs over the course of your education. You could even include volunteer experience here. The most important thing is to make sure each thing you do list adds to the picture of you as a viable candidate for a particular job. Flesh out the descriptions of what you did and learned in each previous position to paint a broader picture of your qualifications.3. Say more about your skillsWhen in doubt, add extra skills. If you have two or three listed, make it four, or even five. Just make sure to choose these well. Read job descriptions carefully and choose the skills that will best set you up for impressing the hiring manager and landing yourself an interview.4. Include your hobbiesT his is sometimes controversial, but a good bet if you’re running short on content. If you have any particularly fascinating hobbies or interests- particularly ones which drawn on, broaden, or expand your relevant skills and strengths and experience- then these can be included on your resume. It gives recruiters insight into your personality and can be a great way of showing (subtly) how you’d fit within a company culture.Choose wisely. But don’t be shy of adding some of these extra details to augment your chances of getting the job.

Anything Goes is a bad policy technology and Society Essay

Anything Goes is a bad policy technology and Society - Essay Example The problems of technology are then considered through use of 'Resistentialism'. Turning from that to the question of whether we adapt technology, or if it adapts our needs, the study will also consider if technology is truly neutral, and therefore the responsibility for good and evil outcomes lies within the human being using and developing this technology. After discussing all these factors, the essay will conclude by considering whether this subject is to be feared, utilized, or ignored in order to achieve the best for society. Science fiction has produced some of the most influential books of the last century, many of them written in the period between the end of the Victorian era and the beginning of the Cold War. These stories, such as Fahrenheit 451, or 1984 are often dystopian in setting and outcome, with technological advancements used by negative forces. C M Kornbluth's A Little Black Bag ends tragically, as the hero is destroyed by other's greed, and a technology that should have been beneficial to society at large is eliminated. In those stories, human evil is responsible for manipulating the essentially neutral technology (In Kornbluth's tale, it is used for good by the doctor who redeems himself, and it is his assistant's inability to see any use for the technology except as a money-spinner which causes the tragedy [Kornbluth A Little Black Bag]). However, overuse of technology, also increases in human ignorance. Asimov's The Feeling of Power depicts a future where people cannot do mathematics a ny more due to their reliance upon technology; even the most basic thought processes are troublesome to people dependant upon computers and machines. Later fictions, such as the Cyberpunk movement, have been more ambivalent about technology: Neuromancer depicts a future in which technology gets more and More amazing, without having any effect on the world's Problems. (Jones, 92) Certainly Neuromancer is not a utopian version of the future, but in the novel, society cannot function without technology, whether it is the official social structures, such as businesses or those in the underworld and black markets. This may be a reflection of the current state of western society, where we cannot imagine a future in which technology does not play a major part. Any discussion of the role of technology in society must consider what exactly is meant by the term 'technology'. Usually, when this word is used, in phrases such as 'IT' (information technology), it refers to the mechanical and electronic systems