Discharging Student Loans and HEAL Student Loans With Bankruptcy

Congress has looked increasingly with disfavor on the discharge of student loans in bankruptcy and has progressively stopped its availability. The presumption of non-dischargeability of student loans reflects the view that student loans are “enabling loans” allowing individuals to improve their own human capital and increase their income potential, but the fruits of the student loans (i.e., the education) cannot be garnished or repossess in case of default.

Limitations on the dischargeability of student loans serve two purposes:
(1) “preventing abuses of the educational loan system by restricting the ability to discharge a student loan shortly after a student’s graduation,” and
(2) “safeguarding the financial integrity of governmental entities and nonprofit institutions that participate in educational loan programs.

In 1998, Congress amended section 523 of the Bankruptcy Code to its current form, eliminating the option for student loan to be discharge after seven years. Now under current Bankruptcy Rules, the debtor must prove the elements of “undue hardship” in an adversary proceeding to have student loans discharged. An adversary proceeding is a sub-part of a bankruptcy case that has all the trappings of civil litigation. To initiate an adversary proceeding, a debtor must fulfill the highly specific service of process requirements. First, the debtor must file a complaint, which must be served alongside a summons on the creditor-defendant. Where the creditor is a corporation, service of the complaint requires a summons delivered upon “an officer, a managing or general agent, or to any agent authorized by appointment or by law to receive service of process. The obligation to answer the adversary proceeding complaint is not triggered until the complaint is “duly served. Once duly served, the creditor-defendant has thirty days to file its answer and thirty-five days if the creditor is the United States. Without proper service, the defendant cannot be said to have “failed to plead or otherwise defend as provided by the rules.

To prove “undue hardship,” the debtor must establish three elements:
(1) the debtor cannot maintain, based on current income and expenses, a “minimal” standard of living if forced to repay the loans;
(2) additional circumstances exist indicating that this state of affairs is likely to persist for a significant portion of the repayment period.
(3) Finally, debtors typically must prove that they have made good faith efforts to repay their student loan debt before filing bankruptcy.

There are some student loans that this “undue hardship” standard does not apply. One such loan is a HEAL loan. HEAL Student Loan stands for “Health Education Assistance Loan” and it is designed for those wanting to study health related topics such as chiropody, health admin and psychology.

In contrast to the 523 loans, the discharge of the HEAL loan is governed by the unconscionability standard at title 42 U.S.C.section 292f(g): Notwithstanding any other provision of Federal or State law, a debt that is a loan insured under the [HEAL loan program] may be released by a discharge in bankruptcy under any chapter of Title 11, only if such discharge is granted –

(1) after the expiration of the seven-year period beginning on the first date when repayment of such loan is required, exclusive of any period after such date in which the obligation to pay installments on the loan is suspended;

(2) upon a finding by the Bankruptcy Court that the nondischarge of such debt would be unconscionable; and

(3) upon the condition that the Secretary shall not have waived the Secretary’s rights to apply subsection (f) of this section to the borrower and the discharged debt.

In requiring that HEAL loans may only be discharged when “the nondischarge of such debt would be unconscionable,” Congress did not provide a definition of unconscionability. 42 U.S.C. section 292f(g). Court interpreting this statute have applied the Supreme Court’s maxim that “[i]n the absence of an indication to the contrary, words in a statute are assumed to bear their `ordinary, contemporary, common meaning.'”As such, “unconscionable” has been defined as “excessive,” “exorbitant,” “lying outside the limits of what is reasonable or acceptable,” “shockingly unfair, harsh, or unjust,” or “outrageous. It is apparent that a single test cannot reasonably take into account all of the considerations relevant to a determination of unconscionability in every case. Thus, most bankruptcy courts will examine the totality of the facts and circumstances surrounding the debtor and the obligation to determine whether non-discharge of the obligation would be unconscionable.

Factors which bankruptcy courts have recognized as relevant in this analysis include

(1) the debtor’s “income, earning ability, health, educational background, dependents, age, accumulated wealth, and professional degree,” In re Rice, 78 F.3d at 1149;

(2) the debtor’s “claimed expenses and standard of living, with a view toward ascertaining whether the debtor has attempted to minimize the expenses of himself and his dependents,” id.;

(3) whether the debtor’s “current situation is likely to continue or improve,” including “whether the debtor has attempted to maximize his income by seeking or obtaining stable employment commensurate with his educational background and abilities,” and “whether the debtor is capable of supplementing his income through secondary part-time or seasonal employment,” even if already employed full time, id.;

(4) whether the debtor’s dependents “are, or could be, contributing financially to their own support,” id.;

(5) the amount of the debt and the rate at which interest accrues, id.; and finally,

(6) the debtor’s “good faith,” i.e. his role in allowing the debt to accrue including “previous efforts to repay the HEAL obligation, including the debtor’s financial situation over the course of time when payments were due; the debtor’s voluntary undertaking of additional financial burdens despite his knowledge of his outstanding HEAL debt; and the percentage of the debtor’s total indebtedness represented by student loans,” id. This list, of course, is not exclusive.

The point that should be gleaned from this article is don’t just automatically assume that a student loan is not dischargeable in bankruptcy. Always check with a competent Bankruptcy Attorney. Your facts and circumstances may justify requesting that the Bankruptcy Court discharge your student loan.

The Basics of Installment Loans

Nowadays home equity loans are becoming an incredibly popular way of raising money. They are useful for the people who are struggling to combat the effects of the worldwide recession. People always think that property is the best way to invest your money. Especially, during the circumstances like recession if you think that money invested in property will be helpful in living an easier and better life you can prefer to get the best deal on home equity loan. However, with a large number of companies, banks and other financial institutes cropping up in the country it becomes difficult to find the finest home equity loan rates.

The exceptional part of home equity loan rates is that they are fixed, stable, low as well as possess tax-deductable features. This can prove as the most cheaper and affordable option in the long run to any individual. Basically, a personal installment loans system allows a person to borrow a large sum of cash and can pay it back over a period of time with monthly payments. They are somewhat similar to payday loans but the only thing that makes these loans different is that you can pay the loan back in installments.

There are times when you are scared of your poor credit. Indeed, a good credit score is known to be the lifeline of any individual. But in any case if you have bad credit then too your loan will be approved at the faster rate. This procedure can also be named as quick loans bad credit. For people who cannot wait for weeks and require instant solution can definitely opt for home equity loans rates, which will not increase your financial burden in any way. This loan is extremely helpful in consolidating several debts of an individual. It can certainly transform various debts into a single one which is one of the most exceptional things about these loans.

The biggest advantage of home equity loan rates is that it can save ample amount of money. It is a straightforward process that gives you lot of benefits. Moreover, any person is qualified to get benefits of these loans. Borrowers can get relatively large loans with this type of loans. Are you thinking from where to find a company which gives you a loan? Then surf the web immediately. It is certainly the exceptional way to find the lowest home equity loan. You can apply online and complete the process in an efficient way.

However, if you are not certain about the topics like best personal loans then search for a relevant site that will provide you with insightful details about these loans. These guides will help you in taking the correct decision. Getting the best deal on the loans can be difficult if you are unaware about the basics of loans. For better knowledge surf the site now. Procure all the details so that you do not regret on your decision. So what are you waiting for? Surf the site now.

Unsecured Loans Offer A Great Way To Borrow Money But Here Are Some Things You Should Know

In the world where crisis is a common problem that is encountered the economy is affected very much. As this situation goes on there are companies and other business establishments that tend to become bankrupt. Another tendency that occurs is that a lot of people will lose their jobs. With this situation the best option that they can go for are unsecured loans. This type of loan does not call for any security; this implies that though there maybe a default on your loan all of your previous assets are still being protected. The only thing that connects you with the lender themselves is your signature.

What else would you get from this kind of loan and what are the other benefits it could offer you? Well here are some of the basic and the most common benefits of going for this kind of loan.

Unsecured loans are basically available for everyone with a regular income and a good credit record in the midst of financial difficulties. You do not have to be working at a job the lenders are only interested in you being able to repay and can afford the monthly payments due. So if you are really in need of financial aid you can count on it.

Another great benefit that this loan offers you is that without difficulty and in no time it can be approved. Similar to payday loans credit checks are not always required, thus the process is made very simple. In addition to that even those who had a bad credit history can still apply for this type of loan.

What do you think makes unsecured loans different from secured loans? Actually secured loans are the opposite to that of the unsecured type. With secured loans there is a usually a requirement that your credit history be taken into account. Secured loans often take a lot longer to be approved as well and to wait a week for a decision is not unusual. The other important factor with secured loans is that the lender will require that you provide some collateral against default which often can mean that the loan is tied to your home.

Considering the similarities of both the loan systems they both have the idealism to help those people who are in need of extra money. Both of them are willing to provide the necessary funds to people to help them finance their unexpected debts.

If you are still confused as to which type of loan to apply for it is okay, that is nothing but normal. The best thing that you can do to clear your thoughts and remove the doubts that you have is to search on the Internet for loan companies and read in detail the offers that they are making and the conditions that are attached to borrowing money from them.

Unsecured loans are normally available for a shorter time period than secured loans. For a loan with a repayment period of three years or less is a typical example. Longer term loans needed to purchase property will always require security as the risk is so much greater for the lender.

Why a Student With Bad Credit Should Apply for Non Credit Based Student Loans

BC loan is one of the common terms used by the students nowadays, especially after the recessional period of 2009. In the financial disaster, many professionals have sacrificed their jobs and left without any regular source of income which is making their family expenses mismanaged in a wider range. The effect is same for the graduate students too. They don’t have a regular income source and the financial issues are also engaging them into long term financial discomforts.

Non credit based credits are also the recession induced student credit options. Canada loan terms and conditions have undergone some major changes concerning the entire situation specially the students looking forward to the available financial associations to help their expense during study period. The government of Canada is also considering these situations and they are taking measures to help the students living in Canada for the higher studies, or the Canadians going abroad for higher studies. The government of Canada has also approved the bc loan system. This refers to those which a student can avail even if maintaining a bad credit history. This is also known as non credit based finances. Canada student loans are coming up with the same features for all the students, even the students with bad credit reports. So, applying and getting approved with the student loans has become a lot easier in Canada nowadays. A student coming from abroad can also apply for these loans and after considering their needs and merits the government of Canada allows them to take loans.

Usually all the loans in Canada and most other countries depend on the personal financial histories and credit status reports. The people with lots of bad remarks on his credit report and manage a bad financial history to represent, can never expect his loan application to get approved in a short time, whereas a person with high credit scores, and borrower reputation can expect his loan application approved very easily and almost instantly. BC loan was considered as the bad credit loans before, and the companies were never interested in investing their money in this sector. But, the declaration of Canada loan from the government made the scenario totally changed. Government allowed taking stimulant money from the government itself for the companies offering non credit based student loans for the graduation and post graduation students. So, the companies started providing loans to the students under a common student loan law in Canada named as Canada loan. This loan considered all the students as same when they are applying for loan to manage their academic expenses. These companies started offering BC loan that is actually bad credit student loan. This loan is made and designed for the students having bad financial credit status. Usually, students can be eligible for loans without any financial or, credit history. But the non credit based loans allowed the students to take loans even with bad records. So any student can apply for student loans in Canada now and the approval process has also become much easier now.

If you have already got refusal with your loan application in Canada and you are studying in a recognized academic institution in Canada, you can certainly look forward to the student loans and even to the private loans for students. These loans allow you to manage any of your financial needs or, crises.

Do You Understand US Student Loans and Scholarships?

If you want to understand US Student Loans, you need to spend a little time doing some background research to ensure that you get the best possible deal for yourself and your family.

The first step is to understand the difference between loans and scholarships. This is quite simple – loans have to be paid back and scholarships do not. So it is very much in your interests to find out if you are eligible for any scholarships first.

Scholarships are awarded for a number of reasons, which might include financial need, disability or achievement in academic work or in sport. Sometimes they are awarded by a specific school or to a specific group of people, for example ethnic minorities.

The scholarship application process usually involves writing an essay and so you will have to spend some time considering what you will write about, as this can be the determining factor in making the award.

When it comes to loans, the most popular are those which make up the Federal Student Loan system. This is generally speaking, the best option for most college students. If you haven’t been able to get any scholarships or if the ones you do have don’t cover all your expenses, you will need to consider a student loan.

Remember that we aren’t just talking about tuition and books, you have to think about accommodation costs, travel to and from college and travel home during vacations, and, of course, entertainment since you do need to talk a little time away from the books.So you will probably find that you need more money than you first anticipated..

Let’s take a look at the various US student Loans you can apply for.

First of all, you need to be aware that there are a number of different US Student Loans, and the main loans fall into the following categories – Federal Student Loans, Private Student Loans and Student Consolidation Loans.

Federal Student Loan

These loans form part of a government loan program and tend to be more flexible and to have lower interest rate than private loans. They also include loans which parents can take out to help their dependent children through college. You should always look at federal student loans first.

Private Student Loans

Private loans are offered by private loan companies and don’t usually have the same favorable terms as government loans. However, they are useful if you find that you need a little more than your federal school loan provides. Try to use these only for top up funds.

Student Consolidation Loans

Student Loan Consolidation allow you to refinance several loans into one new loan, so that you just have one monthly repayment and you can also extend your repayment period.

Student loans have different loans and conditions and so it is important to find the ones which are most suitable for your own circumstances. Start early, do plenty of research and always read the fine print.

Unsecured Loans – Quick Cash Even For the Unemployed

If you are unemployed and struggling financially, an unsecured loan for the unemployed is the best option for you. Increasing financial pressure while already unemployed is one of the worst things to have to deal with. Unsecured loans for the unemployed are available to you to offer some instant relief from your financial burden. The unsecured loan for the unemployed was designed for people without collateral. You will still get the simple application process without having to worry about pledging property and valuable assets.

Bad Credit Borrowers Can Qualify For Unemployment Loans

Bad credit is nearly unavoidable when you are unemployed because you just do not have the financial resources to handle your bills and past debts. If you already had bad credit when you lost your job, it can drive you into the hole even further. And when you have no money, having bad credit makes it nearly impossible to get any money through traditional loan systems. However, with the unsecured loan for the unemployed, your past credit history is not an issue. These loans require no credit check. Therefore things like arrears and bankruptcy will not affect your ability to receive these loans.

Borrowers With Good Credit Can Protect Their Ranking With Unemployment Loans

For those borrowers of the unemployment loan that do not have bad credit, this type of loan can help you avoid becoming a delinquent borrower by giving you access to fund that can keep your monthly bills up to date. Oftentimes those who become unemployed are forced to rely on government unemployment compensation which is roughly 80% of their customary take home pay. The unemployment loan can bridge the gap between expenses that are met with unemployment compensation and the areas that your budget comes up short.

Loan For Any Reason

Because these loans are readily accessible, you can use them to meet your needs no matter what they may be. Some common uses for these loans include debt consolidation, furthering education, car purchase, medical bills, utilities, etc. Whatever your need for the money may be, you can get it easily by applying online. You do not have to make a trip to the bank and wait in line. Just fill out a simple form online and your loan can be approved in virtually no time at all. With just a little bit of research, you can find the best deal available to you.

Borrow Up To $25,000

The unsecured loans for the unemployed range in amounts from $500 to $25,000. The repayment schedule ranges from just a few weeks to ten years at most. Due to the absence of collateral, interest rates on these loans are generally inflated. Unsecured loans for the unemployed are the best option for people who are unemployed but need a little boost of cash to help them along the way. In the meantime, timely payments of the loan can also help raise the credit score and open doors for better loans with lower rates in the future. Repaying your unemployment loan can often be deferred with some lenders while you search for suitable employment. Deferral of this type of loan can be anywhere from two months to six months.

Customer Engagement: The Missing Link to Employee Health?

Even though I’ve spent most of my career wearing a consumer marketing hat, I’m increasingly convinced that the key to success in driving health behavior change is customer engagement.

Customers are ultimately responsible for approval and oversight of vendor-led programs, but too often are not fully engaged themselves. Our belief is that this contributes to a significant portion of today’s Engagement Gap.

Back when I was advertising account management, the customer always held the keys. Agency recommendations on budgets, copy, media, research and all other aspects of marketing were subject to client refinements and approvals. And they were actively engaged in all aspects of the ad campaigns.

Most client-agency relationships were built on trust, mutual respect and a shared recognition of what’s right for the business. Sure, there were plenty of disagreements, but the depth and breadth of the relationship enabled for reasonable solutions.

This degree of relationship-building is lacking in health and well-being improvement. There are gaps in the vendor selection process and shortfalls in account management. And this limits the potential of many well-designed programs.

For more on this, please read on… and feel free to contact me if you could use help in this area. Our consulting work can help you drive better and deeper customer engagement.

We see many employers today bringing on new and different vendors to help drive better participant engagement in their health and well-being improvement programs. Hefty incentives, healthy competitions, wellness games, wearable devices and many other new ideas are all being implemented in an effort to gain greater employee interest, action and outcomes.

But the first step to success in all this is effective customer engagement.

This sets the tone for the direction, design and deployment of the right mix of health and well-being services.

One critical problem is that customers too often base their vendor choices on insufficient information and insight.

Many decisions are driven by consultant-led RFP responses and finalist meetings that bear little resemblance to the actual experience of program roll-outs.

In the advertising business, it was all too common for the agency to bring in their best and brightest to the pitch, only to shift to the bench team once the account was won.

Too many customers also expect vendors and health plans to “do it for them.” They want low-cost, turnkey solutions that produce measurable results. This doesn’t reflect reality – employer teams must play essential roles in engaging and encouraging their workforce.

And inside customer organizations, there are often silos that diminish the impact of many efforts which rely on cross-functional integration. Strong account management leadership can help this and many other challenges that HR and benefits folks are not normally asked to address.

Relationship Building

Employers purchase many services that include easy-to-use supplies, or plug-and-play programs, but there marked differences between buying tangible goods versus buying intangible services.

If a buyer is a spreadsheet-focused, pencil sharpening accountant buying from the low cost producer of widgets, then there is virtually no need to build a business relationship. Transactions will continue as long as price and quality standards are met.

But in dealing with the intangibles of health behavior change, there are good reasons to forge a strong strategic relationship between buyer and seller.

Having spent a career in advertising, I’ve seen quite an array of approaches to building customer relationships.

Remember the three-martini lunch? Me neither, but I do enjoy watching Mad Men… !

Until the procurement people began barging in during the late 90s, advertising execs and their client counterparts really did emphasize their business partnerships.

This is far less evident in the relationship between employer/buyers and vendor/sellers of health and well-being improvement services.

Consider the way many such services are pitched to customers today – too often via intermediaries and through electronic exchange of documents and proposals – without ever really exposing the seller to the buyer’s team, their population, and their specific needs.

The relationship development and trust building gets short-changed.

A better scenario is to enable customers and their potential vendor partners to explore their mutual requirements in a systematic and collaborative way. Vendors need to understand the customer’s culture, priorities, demographics, work style, etc., and align their resources appropriately. And there needs to be better strategic capability in on-going account management.

One of my initiatives at Healthways was to craft a strategic approach to building long lasting customer relationships. We called it The Well-Being Journey, and it encompassed a three-year timeline from the initial sales pitch through to the delivery of Year II metrics.

Participant Activation

On the participant activation side, there are many ingredients that feed into employee engagement. We map out some of our high-level engagement activities in our Sustainable Engagement Framework:

These and related elements need to come together and form an efficient system which needs to be well coordinated for best impact. Each of these inputs and outputs can be optimized when they done collaboratively with vendor partners.

Our industry has many opportunities for improvement. We have the ability and responsibility to help change lives for the better.

Building good and strong vendor relationships with companies that have strategic account management teams, is one key to success.

Put in place the right sort of engagement strategy and there is a far better chance to achieve positive outcomes and produce greater efficiency and impact.

Remember Mad Hatter’s Disease? Then Think Paraben Free Face Care!

What have the Mad Hatter and paraben free face care have in common? They’re both about industrial poisoning of unsuspecting and innocent victims.

In the 19thcentury, hat makers suffered irreversible brain damage from mercury poisoning used in making the felt for men’s top hats.
In the 21st century it is women of all ages who use cosmetics and fragrances.

Parabens are used as a preservative in cosmetics and fragrances. Almost all drugstore brands, expensive and inexpensive use these chemicals.

It has been estimated that women are exposed to 50 mg per day of parabens from cosmetics. And why is this so bad?

they penetrate the skin easily and end up in the blood
they interfere with hormones by mimicking estrogen
they have been detected in breast cancer tissue
they increase skin aging with sun exposure
they have been linked to DNA damage
they interfere with male reproduction

Skin care without parabens, fragrance, allergens or harmful chemicals of any kind is vital and better. You can achieve beautiful, healthy, young looking skin by using 100% natural moisturizing oils, plant extracted proteins, antioxidants, vitamins and the latest in skin care research and development.

Some of these over 40 ingredients include:

Grapeseed Oil – rich in linoleic acid and natural vitamin E, both necessary for skin health
Maracuja – a Brazilian passion fruit extract that helps prevent clogged pores
Babassu – an Amazonian palm extract that moisturizes and helps heal blemishes
Phytessence Wakame – a Japanese sea kelp extract that increases hyaluronic acid in your skin to eliminate wrinkles
Natural Vitamin E – a powerful antioxidant that helps prevent fine lines and age spots

The latest in research and development is Xtend-TK and Nano-Lipobelle H EQ10. Both are so new that over the counter products don’t have them yet.

Xtend-TK contains bio-active keratin which is similar to the basic protein found in human skin. It acts like a liquid skin. It forms an invisible layer that moisturizes and stimulates new cell growth. It revitalizes your complexion. This layer also refracts light. It gives your skin that healthy glow.

Another important antioxidant for skin health is Co enzyme Q10. Technology has developed a way to reduce this enzyme to tiny, tiny microscopic particles called nanos. Nano-Lipobelle H EQ10 penetrates to all seven layers of the skin. It helps the skin produce more collagen and elastin to eliminate fine lines and wrinkles.

This is what healthy paraben free face care is all about.

So I Got Mad and Threw it Away!

I was flipping through my magazine pile to quickly decided which ones I absolutely needed to save when I spotted a magazine that had a very intriguing headline right on the cover. The topic fit perfectly with a project we are currently working on, and I thought it would be a good idea to give a copy of the article to the client.

I quickly thumbed through the magazine, looking for the article. It was the cover story, so it should have been fairly easy to find, right? But I got to the end of the journal and didn’t find it. Never being one to ask for directions, I humbly turned to the table of contents, but still couldn’t find anything that matched the headline on the cover of the magazine. I paged through the magazine one more time, with a keen eye for the exact wording that I saw on the cover. But nope, couldn’t find it.

So I got mad and threw the magazine away.

Yeah, I know, you’re probably thinking “what an immature reaction” but the point is, it’s not an uncommon reaction, and there’s actually a lesson to be learned here.

Your clients and prospects have very short attention spans. They want what they want and they want it now. If you make them a promise (like offering a particular article on the cover of your magazine) you need to deliver on that promise quickly, or you risk losing their attention.

We’re living in a world of immediate gratification – no, this isn’t a social commentary; it’s just a statement of fact. Everybody is so busy (busy, yes… productive, well, that’s another story) they’re just not going to spend more than a few seconds trying to find what they’re looking for.

Alright, you’re probably saying to yourself “I’m not a magazine publisher” but this concept actually applies to every “promise” you make to your clients and prospects. Where are you making these promises? I’m glad you asked.

How about your SEM campaigns? Does your ppc terminology match up with the wording at your website? When your prospect lands at your site, can she immediately find what you promised in your ad? If you’re noticing a high abandonment rate with your ppc ads, I suggest you walk through the exact click path with a very objective view point. Try to see exactly what the customer sees, not what you know is there. A great testing method is to watch your 80-year-old grandmother or 10-year-old neighbor as they navigate through the click path your prospects would take. Can they find what you’re offering in your PPC ad in 3 seconds or less?

And then there are your email messages. The nice thing about email marketing is that it is so extremely affordable. The downside is that it’s getting harder and harder everyday to get our messages into the in-box. There are times that we have to edit our email messages to the point that the wording doesn’t resemble the landing page at all anymore! What we’ve promised in our message might not be what we’re offering at the site. And that’s when we see a huge loss of conversion rate.

A great habit to get into is creating distinct landing pages for your email marketing links to ensure message-to-media-match. If you find it necessary to take certain words out of your email message, be sure to take those words out of your landing page also. This is where having a dedicated email-only landing page comes in handy, since you won’t have to risk losing conversion rate on your current web-based landing page.

Don’t forget your radio spots. Make sure your employees are familiar with your ads currently running on the radio. If your radio spot is bragging about your Super Duper Summer Sale how will your employee respond when a new customer comes into your store asking about the Super Duper Summer Sale? Will he be able to immediately deliver that promise, or will his response sound something more like “Huh? The super duper what? Uh, I’m not sure about that.”

Do you use coupons packs or card decks? Generally, the advertising company offers to design your coupon for you, which seems like a great deal. The problem is, the coupons are often based off a fill-in-the-blanks template, which means what’s promised in the coupon might be very different from anything available in your store. Now I’m not implying that it’s false advertising or anything of that nature, I’m simply suggesting that your coupon holder might walk into your store and not immediately recognize what’s being offered – especially if one company created the coupon and a different company created your point-of-sale signage.

Do you have an ad in the Yellow Pages? If you’re advertising your website in your Yellow Pages ad, why not create a dedicated url strictly for that ad? This has a two-fold benefit. First, it’s great for tracking purposes. You’ll know how many people are coming to your site from your Yellow Pages ad – and whether or not that large financial outlay is actually worth it. Plus, you’ll be able to provide your prospects exactly what they’re looking for. The messaging and offer on your home page will more than likely change from time to time. Unfortunately, your Yellow Pages ad will last for an entire year. By providing a dedicated landing page, you can present an offer that you won’t need to change until your next Yellow Pages ad is published. The promise you make in your ad can be immediately delivered on at your site.

The point I’m trying to make is that you can’t expect your prospects to do your work for you. It’s not your prospect’s job to dig through your material or comb your store aisles looking for what it was you promised. It’s your job to give it her, and give it to her quickly. And, since it’s a total win-win situation, why wouldn’t you want to do just that?

Student Loans – Just the Facts

One of the questions that most students are asking today is that of ‘how can I get student loans?’, it seems to be at the top of everyone’s hot list and rightly so. Because once you have worked out a financing plan with a student loan or even multiple loans if needed then everything else will fall into place. There will also be a lot less stress because you would have overcome the first major hurdle to your education and indeed it will help to make a massive impact on your future after your schooling.

Below we will look at a few facts that may help you understand your options. I have simplified the answers somewhat so as not to confuse you with masses of needless ramblings and I have stuck to what Detective Friday used to say years ago, in that T.V. show Dragnet “Just give me the facts ma’am!”

Just The facts

Below is a list of tips and facts that are not in any specific order, it is just a collection of useful tips that you can store away, keep a note of the ones that resonate with you and throw the others away.

1. Before you decide to commit to any loan it is advisable to talk to your school counselor. They have their finger on the pulse and will have the latest information about student loans that will be applicable to you and have the experience to help you narrow down your search for the perfect loan. Although, not all loans are perfect but the trick is to find the one that is perfect for you.

2. Lots of educational institutions are starting to go paperless these days with many applications forms readily available for you to fill out online in the comfort of your home.

3. The first option you should consider when getting a loan is to always look at the Government loans first. They normally have much lower interest rates and you can have longer terms also.

4. Government loans were set up to provide those students that may be financially challenged and/or have some other challenging situations affecting them in their lives so as to provide as many people as possible with their right to a good education.

5. You can find the Federal Student Aid application form online and can apply online when needed.

6. Quote “For every human on Earth there are 1.6 million ants” (this has absolutely nothing to do with student loans, I just wanted to see if you were still awake).

7. After you have completed your FASA form after it is evaluated, you will receive a Student Aid Report that will show what loans you are eligible for.

8. Once you are granted a loan, you do not have to accept it.

9. It is possible to only use a part of your loan, this will depend on the specific loan provider’s conditions of course, but it is possible.

10. Private loans normally have a higher interest rate but can be more flexible with the amount of money they can provide.

11. It is a real buyers’ market, in other words, you, as a borrower, are eagerly sought after by all these loan companies who are competing. This can give you even more of an advantage because you could think about negotiating and even better deal with them.

12. Most lenders will have an online portal where you can submit a loan application.

13. The Government PLUS loan system was set up to help parents seek out the best type of Government aid for their children.

14. When you fill out the Government loan application it will probably be required that you have your parents with you as some of the information needed will have to be furnished by them.

15. When filling out any loan applications, you will have to supply detailed information about your current finances including and loans, credit cards and any other relevant information.

16. You will also need to provide all you cosigners details if you have one.

And last but not least…

17. “The total weight of those ant, however, is about the same as all the humans”

I hope that this has been of some assistance in helping you decide what type of student loans will best suit you, good, luck with your studies.