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techbugs-digital-marketing · 5 years ago

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Multi-function printer - Lexmark MC3224dwe | Review | Specification

The Lexmark MC3224dwe ($ 299) is an entry-level, all-in-one color laser printer designed for small offices and home workgroups. The Workforce Pro WF-C5790 network multifunction color printer (both at the editor's choice), like its competitors, including the Brother MFC-L3770CDW and the Epson inkjet laser options, offers a variety of functions for convenience and productivity automatic document feeder (ADF) to send multi-page documents to scanners, and it costs more than many competitors, including only two PCMag favorites. Otherwise, the MC3224dwe-enabled multi-function mode (printing, scanning, copying, and faxing) outperforms the color laser and is appropriate for low-volume printing and copying environments.

A feature-rich A.I.O.

The MC3224dwe is one of the many current Lexmark AIOs for color lasers, including the MC3224adwe, which is equipped with ADF (hence the product name) and some other features. Both devices are also one step below our mid-range selection of color laser editors, the Lexmark MC2535adwe, a faster solution with significantly lower costs.

Lexmark MC3224dwe scanner With a 16.2-inch HWD (15.5-inch) at 12.1 and a weight of 40.2 pounds, the Lexmark MC3224dwe is slightly smaller and lighter than many competitors, including the previously mentioned siblings MFC-L3770CDW and Epson WF -C5790 and the Canon Color ImageClass MF644Cdw. Is. It can also fit on your desktop, while this other and higher MC2535adwe needs a dedicated printer stand or switch space. Correct Lexmark MC3224d Configuration and preparation tasks, such as making copies or scanning the cloud, are performed on a 2.8-inch color touchscreen that includes the control panel shown below. The control panel also contains several Lexmark e-task icons that represent links to workflow profiles such as links to the network, scanning to email and the company's Cloud Connector. This way, of course, you can print and scan from your favorite online locations. Like most commercial printers today, the MC3224dwe also features a built-in web portal that gives access to most functions and configuration options, including extensive security settings (through them in a second) and the ability to generate multiple uses and other types of reports. The web portal is available from almost any browser, on your Android or iOS mobile device, locally or on the Internet. The MC3224dwe is not only supplied with Lexmark's standard page description language (PDL), but also with HP Printer Command Language (PCL) versions 5 and 6 and Adobe Postscript 3. This, of course, gives you HP laser printers and many high-end Offers compatibility with typesetters and. Press. PostScript 3 is also the native language of Adobe Illustrator, the industry standard for graphic design software that enables graphic designers and document designers to use MC3224dwe as an affordable prepper-proof and composite printer. Paper handling consists of envelopes and other unique media, as well as a 250-sheet main feeder and a single-sheet override tray that you need to empty and reconfigure the feeder. This configuration is fairly common for entry-level color laser AIOs, though some offer more space, while most mid-range models, such as the MC2535adwe, offer greater input and expansion options. For example, the MC2535adwe has the same capacity of 251 sheets but can be expanded to 1,451 sheets. The entry-level Brother MFC-L3770CDW has 280 sheets thanks to a 30-sheet override slot, while the Canon MF741Cdw has 300 sheets and has been expanded to 851 sheets. Epson's WF-5790 can hold 330 sheets, but you can keep up with the 830. The MC3224dwe has a maximum monthly output of 30,000 pages and a monthly print volume of 1,500 pages is recommended for the MFC-L3770CDW, however, 10,000 or 500 pages less than the MC3224adwe. As I said about the MC3224adwe, given the high cost of printing, these numbers are not very real (again in a moment). On the other hand, the Canon MF741Cdw has 2,500 more prints than the MC3224dwe. Epson rates WF-5790 on more than 1,000 recommended sites compared to Lexmark.

Connectivity, compatibility, and security

The standard interfaces of the MC3224dwe connect to a PC via Wi-Fi 802.11 b / g / n, 10/100 Mbit / s Ethernet and USB 2.0. Mobile devices are connected to the Mobile Print and Cloud Connector apps from Apple AirPrint and Lexmark for Android and iOS as well as to Mopria and Wi-Fi Direct. The last, of course, is a simple peer-to-peer protocol that allows mobile devices to connect to the network without these devices or printers. Various workflow profile printer apps (for scanning for document management systems or social media sites) are available via the control panel's e-task interface. Lexmark also offers a range of drivers for improved compatibility with macOS, various Linux, Windows 7 and Windows 7 versions, various Novel OS iterations, Citrix and some Unix variants. If strict security protocols are an issue (e.g. in HIPAA medical offices), MC3224 is a good option to visit. Security options abound. In addition, these and many other Lexmark laser AIOs meet the stringent EU standards of the General Data Protection Regulation (GDPR). The Confidential Print Setup feature allows you to provide up to 10 Personal Information Numbers (PINs) to secure print jobs in the MC3224dwe's memory. It only allows users who know the PIN of a document to print it. Other security concerns, including access to certain features, can be controlled or denied by users, groups, or IP addresses. You can also set expiration options, control access to the printer and its web portal based on the number of failed options, and keep copies of all documents on the printer. Speed With the MC3224adwe, Lexmark set the MC3224dwe at 2432 per minute (ppm) for single-sided (simplex) pages and 13 pages per minute for double-sided (duplex) prints. Since duplex printing is used by default, we test both one-sided and two-sided scenarios. I looked at the MC3224 over an Ethernet connection from our standard Intel Core i5 under Windows 10 Pro. First, I timed the MC3224dwe when it released our simple 12-page Microsoft Word document. Like its siblings MC3224adwe, it manages 24.4 pages per minute in simplex and 17.3 pages per minute in duplex mode. High-volume devices such as the Lexmark MC2535adwe and the Canon MF741Cdw have expanded the MC3224dwe to several pages per minute, particularly in one-way mode. For example, the MC2535adwe was about 15 ppm ahead of it. The Epson WF-5790 and Brother MFC-L3770CDW are not the default settings for two-sided printing. Both extracted MC3224dwe at one page per minute. Next, I looked at the Lexmark MC3224dwe, which printed our collection of Acrobat, Excel, and PowerPoint documents in various sizes and colors, including charts, graphics, and other commercial graphics and fonts. Then I combined this score with the results of the 12-page Word document and calculated a score to print the entire suite of our business documents. The MC3224dwe became a simple value of 11 ppm. This is the average among the recently tested entry-level color lasers. Higher production acceptable Like the MC3224adwe and most other Lexmark models that were recently introduced here, the MC3224dwe prints well with highly digestible and sans serif sans serifs written in very small dot sizes. Many of the decor and display fonts we tested looked above average. Our Excel charts and diagrams as well as Powerpoint handouts according to the test standard also look good, with filled dark areas and evenly flowing gradients. I have only seen so few stripes on a particular film that most of the printers we tested have trouble reproducing them completely. The photos were also a little nicer than the ones I saw with most color laser printers. The colors were bright and accurate. The grain was barely noticeable and the expansion was good. Overall, I have no complaints about the print quality of the MC3224dwe.

Standing costs As with the MC3224adwe, the running costs for this AIO are 4.3 cents for the monochrome and 19.3 cents for the color page, which makes it comparatively expensive to use. For example, the Brother MFC-L3770CDW prints 2.6 cents for 15 cents and black pages for black pages. To report the cost per page above, you must also return the empty cartridge to the Lexmark recycling program. There are other purchase options, but they also increase your cost per page (CPP). Medium volume laser AIOs, including Canon's MF741Cdw (2.2 cm black and 13 cents color) or Lexmark's MC2535adwe (1.8 cents monochrome and 11.7 cents color), can print significantly be saved. Therefore, Epson can opt for inkjet printers like WF-5790 (1.7 cents black and white and 7.7 cents color). As I said about his siblings, the MC3324dwe's page price only makes sense for printing and copying applications that require a small volume of at least 500 pages per month. Fill a room The lack of ADF at MC3224dwe is likely a deal-breaker for many small offices and workgroups, despite the difference of $ 100 to MC3224adwe. Running costs should warn environments with high print and copy volumes. The Brother MFC-L3770CDW offers both ADF and lower operating costs, as does the Epson Workforce Pro WF-5790. Nevertheless, the MC3224dwe is a powerful printer with excellent output quality and a robust range of functions. This makes it a good choice when high volume and scanning or copying of multiplex documents are not required. Read the full article

#bestprinter #Lexmark #LexmarkMC3224dwe #Multi-functionprinter #printerformac #printers

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willisvjohnson1973-blog · 6 years ago

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Top 10 Best Credit Card Bonus Offers – January 2019

Updated January 2019. That space in your wallet or purse is more valuable than you think. Credit card companies are fighting it out, offering strong perks and $500+ value for a single card during the first year to encourage you to apply and try it out. These are the top 10 credit card offers that I would apply for right now, if I didn't already most of them. Recent changes:

Chase Southwest Rapid Rewards – new Companion Pass offer.

Chase United Explorer – limited-offer expired.

Chase World of Hyatt – limited-offer expired.

Barclaycard Arrival Plus – new 70,000 mile limited-time offer.

If you pay off your balances every month, then you can join me and many others in funding a huge chunk of your annual travel budget with cash credits, points, and miles. You don't need to be a “I only fly business class” world traveler. I mostly use my rewards points on domestic economy flights, mid-class hotels, and cheap car rentals. If you have credit card debt, you should focus on paying that off first as the interest charges could offset most of the perks.

This is a companion post to my Top 10 Best Business Card Offers. Small business bonuses are on average even higher than those on consumer cards.

Note: Certain Chase cards have a “5/24 rule” which is an unofficial rule that they will automatically deny approval on new credit cards if you have 5 or more new credit cards from any issuer on your credit report within the past 2 years. This rule applies on a per-person basis, so if you are new, you might want to start with those Chase cards.

Barclaycard Arrival Plus Card

70,000 points (worth $700 towards travel) after $5,000 in purchases in the first 90 days and paying the annual fee. See link for details.

Unlimited 2X miles on every purchase.

$0 annual fee for the first year, then $89.

Chase Sapphire Preferred Card

50,000 Ultimate Rewards points (worth $625 towards travel) after $4,000 in purchases within the first 3 months. See link for details.

2X points on Travel and Dining at restaurants worldwide.

$0 annual fee for the first year, then $95.

Subject to 5/24 rule.

Alternative: Chase Sapphire Reserve Card. More rewards, more perks including lounge access, $450 annual fee, $300 annual travel credit.

Chase Southwest Rapid Rewards Plus Card

Bonus Companion Pass + 30,000 Southwest points. Earn the Companion Pass and 30,000 points after spending $4,000 within the first 3 months. Offer ends 2/11/19. Companion Pass is promotional and will end 12/31/19. See link for details.

$69 annual fee.

Subject to 5/24 rule.

American Express Gold Card

40,000 Membership Rewards points (flexible, worth 50,000 miles at various airlines) after $2,000 in purchases in the first 3 months. See link for details.

$120 in Grubhub and Seamless credit. $10 in statement credits each month when you pay with this card at participating partners – Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House and participating Shake Shack locations.

$100 airline fee credit. Select one qualifying airline and then receive up to $100 per calendar year in statement credits towards checked baggage fees and inflight meals.

$250 annual fee.

Citi Premier Card

50,000 ThankYou points (worth $625 towards travel) after $4,000 in purchases within the first 3 months. See link for details.

3X points on Travel, including Gas Stations

$0 annual fee for the first year, then $95.

Citi AAdvantage Platinum Select Card

Up to 50,000 American Airlines miles. 40,000 miles after $2,000 in purchases in first 3 months, plus another 10,000 after making a total of $6,000 in purchases in first 12 months of account opening. See link for details.

First checked bag free on domestic flights perk ($60 value per roundtrip, per person).

$0 annual fee for the first year, then $99.

British Airways Visa Signature Card

Up to 100,000 Avios points. 50,000 Avios after $3,000 in purchases within first 3 months. Additional 25,000 Avios for $10,000 in purchases within first year. Additional 25,000 Avios for $20,000 in purchases within first year. See link for details and redemption tips.

Free Travel Together companion ticket when you spend $30,000 in calendar year.

$95 annual fee.

NOT subject to 5/24 rule.

Hilton Honors Ascend Card from American Express

125,000 Hilton Honors points after $2,000 in purchases within the first 3 months.. See link for details and rough valuation of points.

Free Weekend Night Reward certificate after you spend $15,000 on purchases in a calendar year.

$95 annual fee.

Bank of America Premium Rewards Card

50,000 points (worth $500 towards travel) after $3,000 in purchases within the first 90 days. See link for details.

2 points for every $1 spent on travel and dining purchases and 1.5 points for every $1 spent on all other purchases.

$100 annual Airline Incidental Statement Credit.

Up to $100 credit towards TSA PreCheck or Global Entry application fee.

$95 annual fee.

Capital One Savor Cash Rewards Card

$500 cash bonus after $3000 in purchases within the first 3 months. See link for details.

4% cash back on dining and entertainment.

$0 annual fee for the first year, then $95.

Chase World of Hyatt Card

Up to 50,000 Hyatt points. 25,000 Bonus Points after $3,000 in purchases in the first 3 months. Plus an additional 25,000 Bonus Points after a total of $6,000 in purchases within the first 6 months. See link for details and rough valuation of points.

$95 annual fee, free night award upon card anniversary.

Subject to 5/24 rule.

Chase United Explorer Card

40,000 United miles. 40,000 bonus United miles after spending $2,000 within the first 3 months. See link for details.

Free first checked bag for both you and a companion (a savings of up to $120 per roundtrip) when you use your Card to purchase your United ticket.

Expanded award availability. Having this card makes it easier to find that saver award economy ticket.

$0 annual fee for the first year, then $95.

Subject to 5/24 rule.

“The editorial content here is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author's alone.”

Top 10 Best Credit Card Bonus Offers – January 2019 from My Money Blog.

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shumparker1953-blog · 6 years ago

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Top 10 Best Credit Card Bonus Offers – January 2019

Chase Southwest Rapid Rewards – new Companion Pass offer.

Chase United Explorer – limited-offer expired.

Chase World of Hyatt – limited-offer expired.

Barclaycard Arrival Plus – new 70,000 mile limited-time offer.

This is a companion post to my Top 10 Best Business Card Offers. Small business bonuses are on average even higher than those on consumer cards.

Barclaycard Arrival Plus Card

70,000 points (worth $700 towards travel) after $5,000 in purchases in the first 90 days and paying the annual fee. See link for details.

Unlimited 2X miles on every purchase.

$0 annual fee for the first year, then $89.

Chase Sapphire Preferred Card

50,000 Ultimate Rewards points (worth $625 towards travel) after $4,000 in purchases within the first 3 months. See link for details.

2X points on Travel and Dining at restaurants worldwide.

$0 annual fee for the first year, then $95.

Subject to 5/24 rule.

Alternative: Chase Sapphire Reserve Card. More rewards, more perks including lounge access, $450 annual fee, $300 annual travel credit.

Chase Southwest Rapid Rewards Plus Card

$69 annual fee.

Subject to 5/24 rule.

American Express Gold Card

40,000 Membership Rewards points (flexible, worth 50,000 miles at various airlines) after $2,000 in purchases in the first 3 months. See link for details.

$100 airline fee credit. Select one qualifying airline and then receive up to $100 per calendar year in statement credits towards checked baggage fees and inflight meals.

$250 annual fee.

Citi Premier Card

50,000 ThankYou points (worth $625 towards travel) after $4,000 in purchases within the first 3 months. See link for details.

3X points on Travel, including Gas Stations

$0 annual fee for the first year, then $95.

Citi AAdvantage Platinum Select Card

First checked bag free on domestic flights perk ($60 value per roundtrip, per person).

$0 annual fee for the first year, then $99.

British Airways Visa Signature Card

Free Travel Together companion ticket when you spend $30,000 in calendar year.

$95 annual fee.

NOT subject to 5/24 rule.

Hilton Honors Ascend Card from American Express

125,000 Hilton Honors points after $2,000 in purchases within the first 3 months.. See link for details and rough valuation of points.

Free Weekend Night Reward certificate after you spend $15,000 on purchases in a calendar year.

$95 annual fee.

Bank of America Premium Rewards Card

50,000 points (worth $500 towards travel) after $3,000 in purchases within the first 90 days. See link for details.

2 points for every $1 spent on travel and dining purchases and 1.5 points for every $1 spent on all other purchases.

$100 annual Airline Incidental Statement Credit.

Up to $100 credit towards TSA PreCheck or Global Entry application fee.

$95 annual fee.

Capital One Savor Cash Rewards Card

$500 cash bonus after $3000 in purchases within the first 3 months. See link for details.

4% cash back on dining and entertainment.

$0 annual fee for the first year, then $95.

Chase World of Hyatt Card

$95 annual fee, free night award upon card anniversary.

Subject to 5/24 rule.

Chase United Explorer Card

40,000 United miles. 40,000 bonus United miles after spending $2,000 within the first 3 months. See link for details.

Free first checked bag for both you and a companion (a savings of up to $120 per roundtrip) when you use your Card to purchase your United ticket.

Expanded award availability. Having this card makes it easier to find that saver award economy ticket.

$0 annual fee for the first year, then $95.

Subject to 5/24 rule.

Top 10 Best Credit Card Bonus Offers – January 2019 from My Money Blog.

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tylervlemons-blog · 6 years ago

Text

Top 10 Best Credit Card Bonus Offers – January 2019

Chase Southwest Rapid Rewards – new Companion Pass offer.

Chase United Explorer – limited-offer expired.

Chase World of Hyatt – limited-offer expired.

Barclaycard Arrival Plus – new 70,000 mile limited-time offer.

This is a companion post to my Top 10 Best Business Card Offers. Small business bonuses are on average even higher than those on consumer cards.

Barclaycard Arrival Plus Card

70,000 points (worth $700 towards travel) after $5,000 in purchases in the first 90 days and paying the annual fee. See link for details.

Unlimited 2X miles on every purchase.

$0 annual fee for the first year, then $89.

Chase Sapphire Preferred Card

50,000 Ultimate Rewards points (worth $625 towards travel) after $4,000 in purchases within the first 3 months. See link for details.

2X points on Travel and Dining at restaurants worldwide.

$0 annual fee for the first year, then $95.

Subject to 5/24 rule.

Alternative: Chase Sapphire Reserve Card. More rewards, more perks including lounge access, $450 annual fee, $300 annual travel credit.

Chase Southwest Rapid Rewards Plus Card

$69 annual fee.

Subject to 5/24 rule.

American Express Gold Card

40,000 Membership Rewards points (flexible, worth 50,000 miles at various airlines) after $2,000 in purchases in the first 3 months. See link for details.

$100 airline fee credit. Select one qualifying airline and then receive up to $100 per calendar year in statement credits towards checked baggage fees and inflight meals.

$250 annual fee.

Citi Premier Card

50,000 ThankYou points (worth $625 towards travel) after $4,000 in purchases within the first 3 months. See link for details.

3X points on Travel, including Gas Stations

$0 annual fee for the first year, then $95.

Citi AAdvantage Platinum Select Card

First checked bag free on domestic flights perk ($60 value per roundtrip, per person).

$0 annual fee for the first year, then $99.

British Airways Visa Signature Card

Free Travel Together companion ticket when you spend $30,000 in calendar year.

$95 annual fee.

NOT subject to 5/24 rule.

Hilton Honors Ascend Card from American Express

125,000 Hilton Honors points after $2,000 in purchases within the first 3 months.. See link for details and rough valuation of points.

Free Weekend Night Reward certificate after you spend $15,000 on purchases in a calendar year.

$95 annual fee.

Bank of America Premium Rewards Card

50,000 points (worth $500 towards travel) after $3,000 in purchases within the first 90 days. See link for details.

2 points for every $1 spent on travel and dining purchases and 1.5 points for every $1 spent on all other purchases.

$100 annual Airline Incidental Statement Credit.

Up to $100 credit towards TSA PreCheck or Global Entry application fee.

$95 annual fee.

Capital One Savor Cash Rewards Card

$500 cash bonus after $3000 in purchases within the first 3 months. See link for details.

4% cash back on dining and entertainment.

$0 annual fee for the first year, then $95.

Chase World of Hyatt Card

$95 annual fee, free night award upon card anniversary.

Subject to 5/24 rule.

Chase United Explorer Card

40,000 United miles. 40,000 bonus United miles after spending $2,000 within the first 3 months. See link for details.

Free first checked bag for both you and a companion (a savings of up to $120 per roundtrip) when you use your Card to purchase your United ticket.

Expanded award availability. Having this card makes it easier to find that saver award economy ticket.

$0 annual fee for the first year, then $95.

Subject to 5/24 rule.

Top 10 Best Credit Card Bonus Offers – January 2019 from My Money Blog.

0 notes

jvmason10304-blog · 6 years ago

Text

Top 10 Best Credit Card Bonus Offers – January 2019

Chase Southwest Rapid Rewards – new Companion Pass offer.

Chase United Explorer – limited-offer expired.

Chase World of Hyatt – limited-offer expired.

Barclaycard Arrival Plus – new 70,000 mile limited-time offer.

This is a companion post to my Top 10 Best Business Card Offers. Small business bonuses are on average even higher than those on consumer cards.

Barclaycard Arrival Plus Card

70,000 points (worth $700 towards travel) after $5,000 in purchases in the first 90 days and paying the annual fee. See link for details.

Unlimited 2X miles on every purchase.

$0 annual fee for the first year, then $89.

Chase Sapphire Preferred Card

50,000 Ultimate Rewards points (worth $625 towards travel) after $4,000 in purchases within the first 3 months. See link for details.

2X points on Travel and Dining at restaurants worldwide.

$0 annual fee for the first year, then $95.

Subject to 5/24 rule.

Alternative: Chase Sapphire Reserve Card. More rewards, more perks including lounge access, $450 annual fee, $300 annual travel credit.

Chase Southwest Rapid Rewards Plus Card

$69 annual fee.

Subject to 5/24 rule.

American Express Gold Card

40,000 Membership Rewards points (flexible, worth 50,000 miles at various airlines) after $2,000 in purchases in the first 3 months. See link for details.

$100 airline fee credit. Select one qualifying airline and then receive up to $100 per calendar year in statement credits towards checked baggage fees and inflight meals.

$250 annual fee.

Citi Premier Card

50,000 ThankYou points (worth $625 towards travel) after $4,000 in purchases within the first 3 months. See link for details.

3X points on Travel, including Gas Stations

$0 annual fee for the first year, then $95.

Citi AAdvantage Platinum Select Card

First checked bag free on domestic flights perk ($60 value per roundtrip, per person).

$0 annual fee for the first year, then $99.

British Airways Visa Signature Card

Free Travel Together companion ticket when you spend $30,000 in calendar year.

$95 annual fee.

NOT subject to 5/24 rule.

Hilton Honors Ascend Card from American Express

125,000 Hilton Honors points after $2,000 in purchases within the first 3 months.. See link for details and rough valuation of points.

Free Weekend Night Reward certificate after you spend $15,000 on purchases in a calendar year.

$95 annual fee.

Bank of America Premium Rewards Card

50,000 points (worth $500 towards travel) after $3,000 in purchases within the first 90 days. See link for details.

2 points for every $1 spent on travel and dining purchases and 1.5 points for every $1 spent on all other purchases.

$100 annual Airline Incidental Statement Credit.

Up to $100 credit towards TSA PreCheck or Global Entry application fee.

$95 annual fee.

Capital One Savor Cash Rewards Card

$500 cash bonus after $3000 in purchases within the first 3 months. See link for details.

4% cash back on dining and entertainment.

$0 annual fee for the first year, then $95.

Chase World of Hyatt Card

$95 annual fee, free night award upon card anniversary.

Subject to 5/24 rule.

Chase United Explorer Card

40,000 United miles. 40,000 bonus United miles after spending $2,000 within the first 3 months. See link for details.

Free first checked bag for both you and a companion (a savings of up to $120 per roundtrip) when you use your Card to purchase your United ticket.

Expanded award availability. Having this card makes it easier to find that saver award economy ticket.

$0 annual fee for the first year, then $95.

Subject to 5/24 rule.

Top 10 Best Credit Card Bonus Offers – January 2019 from My Money Blog.

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nathanielburgos · 5 years ago

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DACA Green Card through Marriage

Since September 2017 the Trump Administration has had a policy to end the Deferred Action for Childhood Arrivals (DACA) program. Although the decision to wind down DACA has been stopped in the courts for now, the future of the program is uncertain. The policy is being challenged in the highest court. Today, the U.S. Supreme Court will hear oral arguments in a case (McAleenan v. Vidal ) that will likely determine the future for more than 700,000 DACA recipients. This has put a renewed emphasis for many DACA recipients to find other paths to legal status. Obtaining a DACA green card through marriage to a U.S. citizen is one of the most common ways to gain legal status.

The DACA program does not provide a direct path to permanent residence (green card). However, certain individuals with deferred action can apply for permanent residence in the United States. In other words, under current immigration law, no individual can apply for a green card on the basis of having DACA. There must be some other factor that makes a DACA recipient eligible for a green card. These factors may include marriage to a U.S. citizen, certain employment, and others. The most common scenario, and the focus of this article, is a DACA recipient who marries a U.S. citizen and then wants to adjust status to permanent resident.

However, marriage to a U.S. citizen doesn’t make a green card automatically accessible. Immigration law considers the spouse of a U.S. citizen an immediate relative for immigration purposes. This relationship provides unique privileges not afforded to others applying for a green card. Yet, there are other eligibility requirements before an individual may be eligible for a green card.

Undocumented Dilemma

Once married to a U.S. citizen, an intending immigrant may potentially apply for a green card in one of two ways: consular processing or adjustment of status. Consular processing involves applying for the green card outside the United States at a U.S. embassy or consulate. For example, a Mexican national would generally apply for an immigrant visa (green card) at a U.S. embassy or consulate in Mexico. This creates a major obstacle for most undocumented immigrants. Individuals who accrue unlawful presence in the United States, and subsequently leave the country, and attempt to re-enter the United States lawfully, may be subject to either a 3- or 10-year bar, based on the amount of time they have accrued unlawful presence in the United States. Someone who has accrued more than 180 days of unlawful presence triggers a 3-year ban once he or she departs the U.S. Certain DACA recipients who obtained DACA before age 18 and have continued to keep their DACA status current may not have accrued unlawful presence. We highly recommend that you consult with an immigration attorney before making this determination.

On the other hand, adjustment of status has its own challenges. Adjustment of status is the processing of applying for a green card from within the United States. One of the principal requirements for adjustment eligibility is a lawful entry. Generally, an adjustment of status applicant must have a legal entry. An applicant that entered without inspection will generally be denied.

This Catch-22 dilemma makes it very difficult for many undocumented individuals, even with DACA, to apply for permanent residence. However, certain individuals are able to navigate through these issues and find a path to permanent residence. Many are eventually able to become U.S. citizens.

Lawful Entry

As mentioned, one of the major obstacles to a green card for many undocumented immigrants is a lawful entry. Generally, a lawful entry to the United States is a fundamental requirement for adjusting status to permanent resident.

Lawful entry means that you were admitted or paroled into the United States. For most people, this means that you entered the United States with valid documentation and made face to face contact with a U.S. immigration officer and that officer acknowledged your entry to the United States. Typically, this happens at a port of entry (airports, seaports, etc.) when you share your passport and visa. However, at some border entries, the officer may “wave” the visitors across while in their cars. This also counts as a lawful entry as long as you had the proper documentation (e.g. Visa Waiver Program).

Expired Visa

If you entered with a valid visa, but that visa has since expired, you still had a lawful entry. For example, a child that entered the U.S. with a valid B-2 visitor visa 20 years ago lawfully entered the United States. Even if the visa is expired now, the initial entry was legal. As long as this individual has not departed the United States since entering, the initial B-2 entry satisfies the requirement of a lawful entry. Using a border crossing card at a port of entry is also a lawful entry. (Department of State issues a combination B-1/B-2 visa in the form of a border crossing card to certain Mexican citizens.)

If you are uncertain how you entered, you can reference your DACA application. Refer to “Immigration Status at Your Last Arrival” on Form I-765. This can be found in Part 2, Item 24 of the 5/31/18 edition of Form I-765. You’ll also need evidence of your lawful entry. Your initial DACA application package should include this evidence.

Advance Parole

Certain people that initially entered the U.S. without inspection (unlawful entry) have obtained a lawful entry by using advance parole. For example, persons with DACA that traveled abroad and then entered the U.S. with advance parole have lawfully entered the United States. Temporary Protected Status (TPS) recipients that have entered the U.S. with an advance parole document also have a lawful entry. (Note: Advance parole is no longer available to DACA recipients due to changes by the Trump administration.)

Either of these types of entries — with a valid visa or advance parole – qualify as lawful entries for the purposes of adjusting status. An individual with DACA who has a lawful entry and that has married a U.S. citizen may generally file an adjustment of status application. The principal form is Form I-485, Application to Adjust Status. But an adjustment of status package typically includes several other additional forms.

I-601A Provisional Waiver

For DACA recipients without a lawful entry, the process of obtaining a permanent residence through marriage can be considerably more difficult and perilous. Fortunately, there is an I-601A provisional waiver. But this path still comes with some risk and should be used with the assistance of an experienced immigration attorney.

The I-601A waiver allows an individual subject to a 3- or 10-year ban to get provisional approval of their unlawful presence waiver before having to depart the United States to attend the immigrant visa interview at the U.S. embassy or consulate. Approval of this waiver, helps a DACA recipient (or any undocumented person) avoid the risk of being stuck outside of the United States. Generally, the applicant with an approved waiver will depart the U.S., attend the consular interview in their country of origin, and return to the U.S. soon after.

USCIS will only approve an I-601A waiver if the applicant can prove the imposition of the 3- or 10-year bar would cause an “extreme hardship” to their U.S. citizen spouse. The definition of extreme hardship and proving its existence should be left to your attorney.

Other Considerations

Marriage to a U.S. citizen has tremendous benefits. Immigration law “overlooks” many violations that would otherwise be grounds of inadmissibility. However, not all is forgiven. Even as an immediate relative with DACA, an individual will encounter major obstacles if he or he has ever:

Committed a crime after receiving DACA status

Created fraudulent documents or otherwise deceived immigration officials

Misrepresented himself or herself as a U.S. citizen

Departed the U.S. and reentered without advance parole or other authorization

If one of the above issues applies to your situation, consult with an immigration attorney before attempting to file any USCIS forms.

Permanent Bar

In addition to the 3-and 10-year bars, there is a permanent bar. This bar permanently prevents individuals from reentering the United States if they collected one year of unlawful presence and then entered or attempted to enter the U.S. without permission. For obvious reasons, this is extremely serious and could prevent an individual from obtaining permanent residence.

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Applying for a DACA Green Card through Marriage

If you have a lawful entry – even if your status is now expired – you may be able to apply for a green card on your own. The foreign spouse must file an adjustment of status package with USCIS. The typical package includes the following forms:

I-485, Application to Register Permanent Residence or Adjust Status

I-130, Petition for Alien Relative

I-130A, Supplemental Information for Spouse Beneficiary

I-864, Affidavit of Support

I-693, Report of Medical Examination and Vaccination Record

I-765, Application for Employment Authorization (optional)

I-131, Application for Travel Document (optional)

CitizenPath provides simple, affordable, step-by-step guidance through USCIS immigration applications. Individuals, attorneys and non-profits use the service on desktop or mobile device to prepare immigration forms accurately, avoiding costly delays. CitizenPath allows users to try the service for free and provides a 100% money-back guarantee that USCIS will accept the application or petition. We provide support for the Adjustment of Status Application (Form I-485) and other USCIS forms necessary for your DACA green card through marriage.

RECOMMENDED: How to Assemble Your Adjustment of Status Package

In addition to your prepared forms, CitizenPath provides you with a set of personalized filing instructions. Our filing instructions are customized to your answers in the application so you know exactly what to do for your specific situation. The filing instructions provide detailed directions on supporting documents, how to organize your application, and where to mail it.

Source: USCIS

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lashandrahcanatoliamp43insu-blog · 5 years ago

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life insurance 2 million

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aaronsniderus · 6 years ago

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How Student Loans Impact Your Debt-to-Income Ratio

You recently applied for student loan refinancing, a car loan or maybe a mortgage, but soon after are notified that your application was not accepted. Denied. Your credit score is solid, you make a decent living and you’ve never missed a payment. So, what gives?

There’s one factor you might not be considering: your debt-to-income ratio.

What is a debt-to-income ratio?

Your debt-to-income ratio is a percentage of how much debt you owe relative to your income. Often referred to as “DTI” for short, it’s an important number in your financial life.

When applying for a loan or other type of credit, many lenders look not only at your overall credit score, but also at your DTI to determine if you’re a good candidate. If a large chunk of your income is going to debt each month, lenders may be wary of extending further credit.

The lower your debt-to-income ratio, the better. But if you have pesky student loans, they could be pushing your DTI into the red zone, which can make you look risky to creditors and make it difficult to reach your financial goals.

Front-end vs. back-end DTI

As if the whole concept of DTI weren’t complicated enough, you actually have two different debt-to-income ratios: front-end DTI and back-end DTI.

Your front-end debt-to-income ratio is how much of your gross income goes toward housing costs, such as mortgage payments and insurance. If you don’t yet own a home and are applying for a mortgage, your front-end DTI is what you would be paying if you were approved.

Your back-end debt-to-income ratio is how much of your gross income goes toward all of your debt obligations, including credit card payments, student loan payments, mortgage — even child support and alimony.

Typically, lenders would like your front-end DTI to be 28% or less. For back-end DTI, the standard benchmark is typically 36% or less. These numbers aren’t set in stone and may vary by lender, but if you have a generally high debt-to-income ratio, you may have difficulty getting approved for new loans.

In fact, according to the Consumer Financial Protection Bureau, 43% is the maximum DTI a borrower can have in order to get approved for a qualified mortgage.

How student loans impact your debt-to-income ratio

Your student loans aren’t accounted for in the front-end debt-to-income ratio, but that debt certainly impacts the back-end. If you have a steep student loan balance, your DTI can be high — in some cases, too high, effectively limiting your options to buy a house while owing student loans, to refinance your student debt, and more.

For example, let’s say you are applying for a mortgage. Your gross income (before taxes) is $3,000 per month and your monthly debt breakdown looks like this:

Estimated mortgage payment and insurance = $1,000 Student loan payment = $300 Credit card payment = $50 Car payment = $200

In this scenario, your total debt payments add up to $1,550 per month. To find out your DTI, you’d divide your total debts by your gross income or use the calculator below.

With either method, you’ll find that your monthly debt of $1,550, divided by an income of $3,000, comes out to a DTI of 51.6%. Yikes!

Debt-to-Income (DTI) CalculatorYour infoGross annual incomeMonthly housing costMonthly minimum credit card paymentsMonthly auto loan paymentsMonthly student loan paymentsMonthly personal loan paymentsOther monthly debtBased on an income of $60,000, monthly housing costs of $900 and $100 in other monthly debt payments, your Front-End DTI is — and your Back-End DTI is —.6 Best Banks To Refinance Your Student Loans6 Ways To Lower Your Debt-to-Income RatioHow Your Student Loans Can Affect Your Mortgage Application

Student loan refinancing rates as low as % APR. Check your rate in 2 minutes.

TotalFront-End DTIBack-End DTI

Your debt-to-income ratio, student loans and how they affect your mortgage

If over half of your income would be going to your debt obligations — as in the example above — you won’t get approved for that mortgage.

“I think debt-to-income ratios are about to become very problematic for people who carry student loan debt and want to buy a house,” said Aaron LaRue, borrower-experience lead at Clara Lending, which is now part of SoFi.

“When applying for a home loan, debt-to-income ratios can be one of the largest limiting factors when calculating home affordability. I’d argue that this is a bigger issue than having a low credit score. As far as qualifying, it’s right up there with how much you have for a down payment,” LaRue added.

And if you don’t have much for a down payment, your DTI could matter even more. A down payment is a way for lenders to reduce risk — the more you pay up front, the less they need from a mortgage. A 20% down payment is the standard amount if you want to avoid paying private mortgage insurance, although the Federal Housing Administration loan program offers mortgages down payments as low as 3.5%.

But for millennials, student loans may make home ownership a tough goal to achieve. Only 34% of millennials with student loans own a home, according to an October 2018 study by MagnifyMoney. (Note: Both MagnifyMoney and Student Loan Hero are owned by LendingTree.) The study also found that millennials with student loans who did own a home tended to have less valuable properties and higher mortgages than those without student loans.

How to improve your debt-to-income ratio, student loans and all

If you’re thinking of applying for a credit card, mortgage, car loan, student loan refinancing or another type of funding, it’s important to not only maintain good credit, but a healthy debt-to-income ratio as well.

For example, when mortgage lenders examine your back-end DTI, a large student loan payment can be “a killer,” according to LaRue. “A monthly payment of a few hundred dollars can translate to a loss of tens of thousands of dollars off of your maximum home purchase price,” he explained.

Before you go after a big financial goal, calculate your debt-to-income ratio. If it’s too high, you may want to hold off for a while until you improve your situation. Otherwise, you’re much more likely to face rejection.

I’ll let you in on a little secret: I was actually rejected for student loan refinancing because of my debt-to-income ratio. And honestly, I should’ve known better, considering I was making $30,000 at the time and my student loans balance was also at $30,000. If your loans are the same level or even higher than your salary, it’s likely your DTI is also too high!

But before you give up on applying for a mortgage or refinancing forever, there are ways you can improve your debt-to-income ratio:

Ask for a raise Earn more through side hustling Pay off your debt ASAP

In other words, to improve your DTI, you need to earn more, get rid of some debt, or both. Given the example above, if you were to focus on eliminating your student loans and car loan, you’d be left with a prospective $1,000 mortgage payment and $50 credit card bill each month. And $1,050, divided by $3,000, comes out to a more reasonable 35%.

If you want to improve your debt-to-income ratio to pursue your big life goals, make it a point to pay off your debt as soon as possible and find ways to supplement your income. It could mean the difference between getting a letter that says, “Congratulations!” and one that begins, “We regret to inform you…”

By preparing now and understanding how student loans affect debt-to-income ratio, you can take the necessary steps to go after what you want without being automatically rejected.

Dillon Thompson contributed to this report.

Interested in refinancing student loans? Here are the top 6 lenders of 2019!

LenderVariable APREligible Degrees Check out the testimonials and our in-depth reviews! 1 Important Disclosures for SoFi. SoFi Disclosures Student loan Refinance:

Fixed rates from 3.890% APR to 8.074% APR (with AutoPay). Variable rates from 2.500% APR to 7.115% APR (with AutoPay). Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on term of loan. See APR examples and terms. Lowest variable rate of 2.500% APR assumes current 1 month LIBOR rate of 2.50% plus 0.00% margin minus 0.25% ACH discount. Not all borrowers receive the lowest rate. If approved for a loan, the fixed or variable interest rate offered will depend on your creditworthiness, and the term of the loan and other factors, and will be within the ranges of rates listed above. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. See eligibility details. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. *To check the rates and terms you qualify for, SoFi conducts a soft credit inquiry. Unlike hard credit inquiries, soft credit inquiries (or soft credit pulls) do not impact your credit score. Soft credit inquiries allow SoFi to show you what rates and terms SoFi can offer you up front. After seeing your rates, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit inquiry. Hard credit inquiries (or hard credit pulls) are required for SoFi to be able to issue you a loan. In addition to requiring your explicit permission, these credit pulls may impact your credit score.

Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet SoFi’s underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, a responsible financial history, years of experience, income and other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Business Oversight under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp., NMLS # 1121636. (www.nmlsconsumeraccess.org) 2 Important Disclosures for Earnest. Earnest Disclosures

To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants will qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Earnest fixed rate loan rates range from 3.89% APR (with Auto Pay) to 7.89% APR (with Auto Pay). Variable rate loan rates range from 2.50% APR (with Auto Pay) to 7.27% APR (with Auto Pay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms 10 years or less. For loan terms of 10 years to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 1.82% and 5.50% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of April 17, 2019, and are subject to change based on market conditions and borrower eligibility.

Auto Pay discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.

The information provided on this page is updated as of 04/17/2019. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice. Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 302 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, email us at [email protected], or call 888-601-2801 for more information on our student loan refinance product.

3 Important Disclosures for Laurel Road. Laurel Road Disclosures

FIXED APR Fixed rate options consist of a range from 3.75% per year to 5.80% per year for a 5-year term, 4.25% per year to 6.25% per year for a 7-year term, 4.55% per year to 6.65% per year for a 10-year term, 4.85% per year to 7.05% per year for a 15-year term, or 5.30% per year to 7.27% per year for a 20-year term, with no origination fees. The fixed interest rate will apply until the loan is paid in full (whether before or after default, and whether before or after the scheduled maturity date of the loan). The monthly payment for a sample $10,000 loan at a range of 3.75% per year to 5.80% per year for a 5-year term would be from $183.04 to $192.40. The monthly payment for a sample $10,000 loan at a range of 4.25% per year to 6.25% per year for a 7-year term would be from $137.84 to $147.29. The monthly payment for a sample $10,000 loan at a range of 4.55% per year to 6.65% per year for a 10-year term would be from $103.88 to $114.31. The monthly payment for a sample $10,000 loan at a range of 4.85% per year to 7.05% per year for a 15-year term would be from $78.30 to $90.16. The monthly payment for a sample $10,000 loan at a range of 5.30% per year to 7.27% per year for a 20-year term would be from $67.66 to $79.16.

However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the fixed rate will decrease by 0.25%, and will increase back up to the regular fixed interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower’s bank account.

VARIABLE APR Variable rate options consist of a range from 2.75% per year to 6.30% per year for a 5-year term, 4.00% per year to 6.35% per year for a 7-year term, 4.25% per year to 6.40% per year for a 10-year term, 4.50% per year to 6.65% per year for a 15-year term, or 4.75% per year to 6.90% per year for a 20-year term, with no origination fees. APR is subject to increase after consummation. The variable interest rate will change on the first day of every month (“Change Date”) if the Current Index changes. The variable interest rates are based on a Current Index, which is the 1-month London Interbank Offered Rate (LIBOR) (currency in US dollars), as published on The Wall Street Journal’s website. The variable interest rates and Annual Percentage Rate (APR) will increase or decrease when the 1-month LIBOR index changes. The variable interest rates are calculated by adding a margin ranging from 0.25% to 3.80% for the 5-year term loan, 1.50% to 3.85% for the 7-year term loan, 1.75% to 3.90% for the 10-year term loan, 2.00% to 4.15% for the 15-year term loan, and 2.25% to 4.40% for the 20-year term loan, respectively, to the 1-month LIBOR index published on the 25th day of each month immediately preceding each “Change Date,” as defined above, rounded to two decimal places, with no origination fees. If the 25th day of the month is not a business day or is a US federal holiday, the reference date will be the most recent date preceding the 25th day of the month that is a business day. The monthly payment for a sample $10,000 loan at a range of 2.75% per year to 6.30% per year for a 5-year term would be from $178.58 to $194.73. The monthly payment for a sample $10,000 loan at a range of 4.00% per year to 6.35% per year for a 7-year term would be from $136.69 to $147.77. The monthly payment for a sample $10,000 loan at a range of 4.25% per year to 6.40% per year for a 10-year term would be from $102.44 to $113.04. The monthly payment for a sample $10,000 loan at a range of 4.50% per year to 6.65% per year for a 15-year term would be from $76.50 to $87.94. The monthly payment for a sample $10,000 loan at a range of 4.75% per year to 6.90% per year for a 20-year term would be from $64.62 to $76.93.

However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the variable rate will decrease by 0.25%, and will increase back up to the regular variable interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower’s bank account.

All credit products are subject to credit approval.

Laurel Road began originating student loans in 2013 and has since helped thousands of professionals with undergraduate and postgraduate degrees consolidate and refinance more than $4 billion in federal and private school loans. Laurel Road also offers a suite of online graduate school loan products and personal loans that help simplify lending through customized technology and personalized service. In April 2019, Laurel Road was acquired by KeyBank, one of the nation’s largest bank-based financial services companies. Laurel Road is a brand of KeyBank National Association offering online lending products in all 50 U.S. states, Washington, D.C., and Puerto Rico. All loans are provided by KeyBank National Association, a nationally chartered bank. Member FDIC. For more information, visit www.laurelroad.com.

4 Important Disclosures for LendKey. LendKey Disclosures

Refinancing via LendKey.com is only available for applicants with qualified private education loans from an eligible institution. Loans that were used for exam preparation classes, including, but not limited to, loans for LSAT, MCAT, GMAT, and GRE preparation, are not eligible for refinancing with a lender via LendKey.com. If you currently have any of these exam preparation loans, you should not include them in an application to refinance your student loans on this website. Applicants must be either U.S. citizens or Permanent Residents in an eligible state to qualify for a loan. Certain membership requirements (including the opening of a share account and any applicable association fees in connection with membership) may apply in the event that an applicant wishes to accept a loan offer from a credit union lender. Lenders participating on LendKey.com reserve the right to modify or discontinue the products, terms, and benefits offered on this website at any time without notice. LendKey Technologies, Inc. is not affiliated with, nor does it endorse, any educational institution.

5 Important Disclosures for CommonBond. CommonBond Disclosures

Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.

All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on a 1-month LIBOR assumption of 2.49% effective March 10, 2019.

6 Important Disclosures for Citizens Bank. Citizens Bank Disclosures Education Refinance Loan Rate Disclosure: Variable rate, based on the one-month London Interbank Offered Rate (“LIBOR”) published in The Wall Street Journal on the twenty-fifth day, or the next business day, of the preceding calendar month. As of April 1, 2019, the one-month LIBOR rate is 2.50%. Variable interest rates range from 3.00% – 9.74% (3.00% – 9.74% APR) and will fluctuate over the term of the borrower’s loan with changes in the LIBOR rate, and will vary based on applicable terms, level of degree earned and presence of a co-signer. Fixed interest rates range from 3.89% – 9.99% (3.89% – 9.99% APR) based on applicable terms, level of degree earned and presence of a co-signer. Lowest rates shown are for eligible, creditworthy applicants with a graduate level degree, require a 5-year repayment term and include our Loyalty discount and Automatic Payment discounts of 0.25 percentage points each, as outlined in the Loyalty and Automatic Payment Discount disclosures. The maximum variable rate on the Education Refinance Loan is the greater of 21.00% or Prime Rate plus 9.00%. Subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change. Please note: Due to federal regulations, Citizens Bank is required to provide every potential borrower with disclosure information before they apply for a private student loan. The borrower will be presented with an Application Disclosure and an Approval Disclosure within the application process before they accept the terms and conditions of their loan. Federal Loan vs. Private Loan Benefits: Some federal student loans include unique benefits that the borrower may not receive with a private student loan, some of which we do not offer with the Education Refinance Loan. Borrowers should carefully review their current benefits, especially if they work in public service, are in the military, are currently on or considering income based repayment options or are concerned about a steady source of future income and would want to lower their payments at some time in the future. When the borrower refinances, they waive any current and potential future benefits of their federal loans and replace those with the benefits of the Education Refinance Loan. For more information about federal student loan benefits and federal loan consolidation, visit http://studentaid.ed.gov/. We also have several resources available to help the borrower make a decision at http://www.citizensbank.com/EdRefinance, including Should I Refinance My Student Loans? and our FAQs. Should I Refinance My Student Loans? includes a comparison of federal and private student loan benefits that we encourage the borrower to review. Citizens Bank Education Refinance Loan Eligibility: Eligible applicants may not be currently enrolled. Applicants with an Associate’s degree or with no degree must have made at least 12 qualifying payments after leaving school. Qualifying payments are the most recent on time and consecutive payments of principal and interest on the loans being refinanced. Primary borrowers must be a U.S. citizen, permanent resident or resident alien with a valid U.S. Social Security Number residing in the United States. Resident aliens must apply with a co-signer who is a U.S. citizen or permanent resident. The co-signer (if applicable) must be a U.S. citizen or permanent resident with a valid U.S. Social Security Number residing in the United States. For applicants who have not attained the age of majority in their state of residence, a co-signer will be required. Citizens Bank reserves the right to modify eligibility criteria at anytime. Interest rate ranges subject to change. Education Refinance Loans are subject to credit qualification, completion of a loan application/consumer credit agreement, verification of application information, certification of borrower’s student loan amount(s) and highest degree earned. Loyalty Discount Disclosure: The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower or their co-signer (if applicable) has a qualifying account in existence with us at the time the borrower and their co-signer (if applicable) have submitted a completed application authorizing us to review their credit request for the loan. The following are qualifying accounts: any checking account, savings account, money market account, certificate of deposit, automobile loan, home equity loan, home equity line of credit, mortgage, credit card account, or other student loans owned by Citizens Bank, N.A. Please note, our checking and savings account options are only available in the following states: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, and VT and some products may have an associated cost. This discount will be reflected in the interest rate disclosed in the Loan Approval Disclosure that will be provided to the borrower once the loan is approved. Limit of one Loyalty Discount per loan and discount will not be applied to prior loans. The Loyalty Discount will remain in effect for the life of the loan. Automatic Payment Discount Disclosure: Borrowers will be eligible to receive a 0.25 percentage point interest rate reduction on their student loans owned by Citizens Bank, N.A. during such time as payments are required to be made and our loan servicer is authorized to automatically deduct payments each month from any bank account the borrower designates. Discount is not available when payments are not due, such as during forbearance. If our loan servicer is unable to successfully withdraw the automatic deductions from the designated account three or more times within any 12-month period, the borrower will no longer be eligible for this discount. Co-signer Release: Borrowers may apply for co-signer release after making 36 consecutive on-time payments of principal and interest. For the purpose of the application for co-signer release, on-time payments are defined as payments received within 15 days of the due date. Interest only payments do not qualify. The borrower must meet certain credit and eligibility guidelines when applying for the co-signer release. Borrowers must complete an application for release and provide income verification documents as part of the review. Borrowers who use deferment or forbearance will need to make 36 consecutive on-time payments after reentering repayment to qualify for release. The borrower applying for co-signer release must be a U.S. citizen or permanent resident. If an application for co-signer release is denied, the borrower may not reapply for co-signer release until at least one year from the date the application for co-signer release was received. Terms and conditions apply. Borrowers whose loans were funded prior to reaching the age of majority may not be eligible for co-signer release. Note: co-signer release is not available on the Student Loan for Parents or Education Refinance Loan for Parents. 2.50% – 7.27%1Undergrad & Graduate

Visit Earnest

2.50% – 7.12%3Undergrad & Graduate

Visit SoFi

2.81% – 8.79%4Undergrad & Graduate

Visit Lendkey

2.50% – 6.65%2Undergrad & Graduate

Visit Laurel Road

2.55% – 7.12%5Undergrad & Graduate

Visit CommonBond

3.00% – 9.74%6Undergrad & Graduate

Visit Citizens

Our team at Student Loan Hero works hard to find and recommend products and services that we believe are of high quality. We sometimes earn a sales commission or advertising fee when recommending various products and services to you. Similar to when you are being sold any product or service, be sure to read the fine print to help you understand what you are buying. Be sure to consult with a licensed professional if you have any concerns. Student Loan Hero is not a lender or investment advisor. We are not involved in the loan approval or investment process, nor do we make credit or investment related decisions. The rates and terms listed on our website are estimates and are subject to change at any time.

The post How Student Loans Impact Your Debt-to-Income Ratio appeared first on Student Loan Hero.

from Updates About Loans https://studentloanhero.com/featured/student-loan-debt-to-income-ratio/

0 notes

aaltjebarisca · 6 years ago

Text

How Student Loans Impact Your Debt-to-Income Ratio

There’s one factor you might not be considering: your debt-to-income ratio.

What is a debt-to-income ratio?

Your debt-to-income ratio is a percentage of how much debt you owe relative to your income. Often referred to as “DTI” for short, it’s an important number in your financial life.

Front-end vs. back-end DTI

As if the whole concept of DTI weren’t complicated enough, you actually have two different debt-to-income ratios: front-end DTI and back-end DTI.

In fact, according to the Consumer Financial Protection Bureau, 43% is the maximum DTI a borrower can have in order to get approved for a qualified mortgage.

How student loans impact your debt-to-income ratio

For example, let’s say you are applying for a mortgage. Your gross income (before taxes) is $3,000 per month and your monthly debt breakdown looks like this:

Estimated mortgage payment and insurance = $1,000 Student loan payment = $300 Credit card payment = $50 Car payment = $200

In this scenario, your total debt payments add up to $1,550 per month. To find out your DTI, you’d divide your total debts by your gross income or use the calculator below.

With either method, you’ll find that your monthly debt of $1,550, divided by an income of $3,000, comes out to a DTI of 51.6%. Yikes!

Student loan refinancing rates as low as % APR. Check your rate in 2 minutes.

TotalFront-End DTIBack-End DTI

Your debt-to-income ratio, student loans and how they affect your mortgage

If over half of your income would be going to your debt obligations — as in the example above — you won’t get approved for that mortgage.

How to improve your debt-to-income ratio, student loans and all

But before you give up on applying for a mortgage or refinancing forever, there are ways you can improve your debt-to-income ratio:

Ask for a raise Earn more through side hustling Pay off your debt ASAP

By preparing now and understanding how student loans affect debt-to-income ratio, you can take the necessary steps to go after what you want without being automatically rejected.

Dillon Thompson contributed to this report.

Interested in refinancing student loans? Here are the top 6 lenders of 2019!

LenderVariable APREligible Degrees Check out the testimonials and our in-depth reviews! 1 Important Disclosures for SoFi. SoFi Disclosures Student loan Refinance:

3 Important Disclosures for Laurel Road. Laurel Road Disclosures

All credit products are subject to credit approval.

4 Important Disclosures for LendKey. LendKey Disclosures

5 Important Disclosures for CommonBond. CommonBond Disclosures

Visit Earnest

2.50% – 7.12%3Undergrad & Graduate

Visit SoFi

2.81% – 8.79%4Undergrad & Graduate

Visit Lendkey

2.50% – 6.65%2Undergrad & Graduate

Visit Laurel Road

2.55% – 7.12%5Undergrad & Graduate

Visit CommonBond

3.00% – 9.74%6Undergrad & Graduate

Visit Citizens

The post How Student Loans Impact Your Debt-to-Income Ratio appeared first on Student Loan Hero.

from Updates About Loans https://studentloanhero.com/featured/student-loan-debt-to-income-ratio/

0 notes

mikebrackett · 6 years ago

Text

How Student Loans Impact Your Debt-to-Income Ratio

There’s one factor you might not be considering: your debt-to-income ratio.

What is a debt-to-income ratio?

Your debt-to-income ratio is a percentage of how much debt you owe relative to your income. Often referred to as “DTI” for short, it’s an important number in your financial life.

Front-end vs. back-end DTI

As if the whole concept of DTI weren’t complicated enough, you actually have two different debt-to-income ratios: front-end DTI and back-end DTI.

In fact, according to the Consumer Financial Protection Bureau, 43% is the maximum DTI a borrower can have in order to get approved for a qualified mortgage.

How student loans impact your debt-to-income ratio

For example, let’s say you are applying for a mortgage. Your gross income (before taxes) is $3,000 per month and your monthly debt breakdown looks like this:

Estimated mortgage payment and insurance = $1,000 Student loan payment = $300 Credit card payment = $50 Car payment = $200

In this scenario, your total debt payments add up to $1,550 per month. To find out your DTI, you’d divide your total debts by your gross income or use the calculator below.

With either method, you’ll find that your monthly debt of $1,550, divided by an income of $3,000, comes out to a DTI of 51.6%. Yikes!

Student loan refinancing rates as low as % APR. Check your rate in 2 minutes.

TotalFront-End DTIBack-End DTI

Your debt-to-income ratio, student loans and how they affect your mortgage

If over half of your income would be going to your debt obligations — as in the example above — you won’t get approved for that mortgage.

How to improve your debt-to-income ratio, student loans and all

But before you give up on applying for a mortgage or refinancing forever, there are ways you can improve your debt-to-income ratio:

Ask for a raise Earn more through side hustling Pay off your debt ASAP

By preparing now and understanding how student loans affect debt-to-income ratio, you can take the necessary steps to go after what you want without being automatically rejected.

Dillon Thompson contributed to this report.

Interested in refinancing student loans? Here are the top 6 lenders of 2019!

LenderVariable APREligible Degrees Check out the testimonials and our in-depth reviews! 1 Important Disclosures for SoFi. SoFi Disclosures Student loan Refinance:

3 Important Disclosures for Laurel Road. Laurel Road Disclosures

All credit products are subject to credit approval.

4 Important Disclosures for LendKey. LendKey Disclosures

5 Important Disclosures for CommonBond. CommonBond Disclosures

Visit Earnest

2.50% – 7.12%3Undergrad & Graduate

Visit SoFi

2.81% – 8.79%4Undergrad & Graduate

Visit Lendkey

2.50% – 6.65%2Undergrad & Graduate

Visit Laurel Road

2.55% – 7.12%5Undergrad & Graduate

Visit CommonBond

3.00% – 9.74%6Undergrad & Graduate

Visit Citizens

The post How Student Loans Impact Your Debt-to-Income Ratio appeared first on Student Loan Hero.

from Updates About Loans https://studentloanhero.com/featured/student-loan-debt-to-income-ratio/

0 notes

vintageraybansshop · 6 years ago

Text

Ray-Ban RB3016 Classic Clubmaster Sunglasses Color & Size Variations

ShopHome Digital Cameras Tablets Lenses Others ShopHome Digital Cameras Tablets Lenses Others Ray-Ban RB3016 Classic Clubmaster Sunglasses Color & Size Variations Line: Ray-BanModel: RB3026 Clubmaster ClassicFrame: Acetate Style: Square/ Wrap Lens: Glass Effect: Non-PolarizedProtection: 100% UV Color: Black, Tortoise Size: 49mm, 51mm Ray-Ban Clubmaster Classic sunglasses are retro and timeless. Inspired by the 50’s, the unmistakable design of the Clubmaster Classic is worn by cultural intellectuals, those who lead the changed tomorrow. Model Number: RB3016 W0365-49 | RB3016 W0365 51-22 | RB3016 W0366 49 | RB3016 W0366 51-21 UPC: 805289304456 | 805289653660 | 805289304449 | 805289653653 Specs Gender Unisex MPN RB3016 Brand Ray-Ban Style Square Frame Material Acetate Protection 100% UV UPC 805289653653, 805289304449, 805289653660, 805289304456 Brand Ray-Ban In The Box • Ray-Ban RB3016 Classic Clubmaster Sunglasses • Case • Cloth Item Condition / Warranty Condition The Product(s) in This Listing is Brand New in Original Retail Box Warranty This item comes supplied with a minimum 1 Year Seller or Manufacturer Warranty covering parts and labor. For Any Other Queries On Our Warranty Policy, Please Send Us A Message Terms & Conditions Payment: All payments must be received within 3 days (including holidays) of the end of the auction. Seller retains all rights to withdraw an auction or deny sale of the merchandise. A Positive Feedback will be left for all successful transactions. By placing a bid on this auction, you agree to all the terms and conditions of the auction. If you have any questions or concerns please ask us before placing bids. Please be aware that we will only ship to the address listed in your PayPal account. Additionally, it must be an address that PayPal confirms as “OK to Ship”, or “Verified” address. If shipping address has to change please add the address before making PayPal payment so that PayPal will approve shipment. If you have any questions about this, feel free to email us Shipping: No Local Pickup. Order will be processed within three business days from the completion of auction. Order is considered completed once the PayPal payment is cleared to our account from yours. Our default shipping method is FedEx Ground service which takes 2 – 6 business days in transit. Tracking number will be emailed to your email address on record with PayPal. Free shipping is for Ground service, and within the 48 continental states only .AK, HI & PR Shipping addresses will have an additional charge of $19.95. We do not ship to FPO/APO addresses. Lost/Damages: Item is insured for the value of auction if buyer has purchased insurance. If a package is lost or damaged, an insurance claim should be filed within 10 days after the delivery date. Please email a digital picture showing the proof of damage to both item/box and report the problem immediately to avoid claim denials. A credit/replacement shall be given only after the claim is accepted and approved within its processing time frame. Seller assumes no responsibility for loss or damage if buyer has not purchased insurance. International Duties if any: Please refer to your country’s duty charges before placing a bid. Any customs duty will be buyers responsibility. If a package is returned to us due incorrect address or recipient non-availability to accept, there will be a shipping charge to ship package for the second time even if the original sale was shipped free of charges. Terms of Sale We will automatically notify the winner by email (to the email address that you have registered with eBay) immediately after the auction ends. If you have not received an email or you are having problems , Please check all email filters in your email software and/or from your email Service Provider (AOL, Hotmail, Yahoo, etc.) for any missing or misdirected email/ When your package has been shipped you will be sent an automated email from the carrier with the tracking number. Once we receive positive feedback, a positive feedback will be left for you automatically . Our advertised price on this listing is our current lowest offer & reflects any applicable manufacturer instant rebates, promotions and discounts. There is no price protection. Committing to this purchase means you have agreed to the above final price regardless of future price changes or discounts. Warranty is for one year provide by the US store unless specified otherwise. Malfunction due to accidents or abuse of product such as water, drop impact damage not covered. Please allow up to 72 Hours for your order to be processed, this does not include the weekend. If for some reason you wish to return an item or you receive a defective or wrong item, you need to request an RMA#(Return Merchandise Authorization Number) by email. In some cases there will be a restocking fee. Please provide the item number and buyer user ID in the email for a faster response time. The seller doesn’t pay return postage for any defective item for replacement. We only pay return postage if we shipped a wrong item than the sold item. Wrong Shipped item must be reported to us within 24 hours of delivery. Images shown for illustration purpose only. Actual item may slightly different from image. Copyright © ROBSCAMERAUSA

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crackinstaller · 7 years ago

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ZoneAlarm Pro Firewall 2018 15.1.522.17528 Crack

ZoneAlarm Pro Firewall – The award-winning professional firewall provides the industry’s most powerful firewall, blocking Internet attacks at the front door and capturing thieves in ways that avoid it. It actively blocks outbound and inbound attacks, so your PC is fully protected.

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Installed memory: 2 GB RAM

Processor: 2 GHz processor

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sinkholemaps · 7 years ago

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Does Homeowners Insurance Cover Sinkholes? – What You should Know

The short answer is yes, homeowners insurance does cover for “catastrophic ground collapse” but not minor sinkhole issues. Read on to find out more what it means.

Below is a handout from a local realtor in Florida explaining the difference between “Catastrophic Ground Collapse Coverage” and “Sinkhole Loss Coverage”.

What is a sinkhole?

According to Florida law, a sinkhole refers to “a land form created by subsidence of soil, sediment or rock as underlying strata are dissolved by groundwater. A sinkhole may form by collapse into subterranean voids created by dissolution (the dissolving) of limestone or dolostone or by the subsidence as these strata are dissolved.”

Did you know that Florida sees more sinkholes than any other state in the country? This is because the Florida peninsula consists of a mixture of sand and clay. Underneath it is a layer of carbonate rock that can dissolve over time. This creates sinkholes as well as caves, springs, and other depressions in the land. Heavy rainfall and pumping of groundwater also contribute to the creation of sinkholes.

What are the signs that indicate sinkhole activity?

How will you know if there’s a sinkhole activity in your area? Here are some scenarios to watch out for:

The appearance of “stair step” type of cracking at the walls

Cracking of the walls, floors, and/or ceilings, and in driveways and pool decks

A gap between the walls and floor and/or ceiling

Windows and/or doors get jammed

Sinking or slanting trees and/or fence posts

Physical depressions or holes

Plumbing issues

Do I need sinkhole loss coverage?

While sinkholes are not as common as people may think, they do occur. However, the vast majority of homes in Florida are not affected. For convenience and your peace of mind, it’s beneficial to have sinkhole coverage. Seek advice and get the best coverage from a reputable insurance company.

In general, it is not easy to get sinkhole coverage since insurance companies implement strict guidelines and ask for home inspections by engineers. If there are existing cracks in your home, the insurance company may decline your application. Also, the homeowner will be required to pay around $150 upfront for the inspection. Should you get sinkhole coverage, you will need to pay about $100 per year aside from the homeowner’s insurance policy.

What is catastrophic ground collapse coverage?

Homeowner’s insurance policy used to cover sinkhole loss damage. However, in 2007, the state legislation changed the coverage standard with Florida Statute 627.706. According to this law, insurance companies need to provide coverage for catastrophic ground cover collapse, not necessarily damage from a sinkhole.

For the homeowner’s insurance policy to cover damage/s from catastrophic ground cover collapse, there are four conditions that should be met:

The sinking must have happened abruptly.

A depression in the ground should be seen even without using any instrument.

There must be structural damage to the home.

A government agency must condemn the property and order evacuation.

Bear in mind that settling or cracking of a structure does not automatically mean it is covered for catastrophic ground cover collapse. Damage from a sinkhole should meet all of the conditions above for it to be included in the coverage. Otherwise, it will not be covered unless a separate sinkhole coverage was purchased.

On July 1, 2016, a new law that created Section 627.7151, Florida Statutes, was signed by Florida Governor Rick Scott. It allows insurance companies to provide limited sinkhole coverage for a sinkhole loss to homeowners. This refers to structural damage that is caused by a sinkhole activity to the covered building including the foundation. It also comes with a lower threshold of damage compared to a catastrophic ground cover collapse. Still, if the professional engineer of the insured states that the repairs exceed the policy limits, the insurance company is required to complete the recommended repairs or grant the full policy limits.

How will I file a sinkhole claim?

If a sinkhole has opened on your property, or parts of your home shifted during a sinkhole activity, here are the steps to take in filing a sinkhole claim to your insurance company:

Evacuate the premises.

Mark the area with caution tape or other means to inform other people of possible danger.

Notify your insurance company immediately. Inform them about the damage to your property.

The insurance company will perform geological testing by sending a geologist in your area to establish the cause of the damage.

If the testing confirms that the damage was caused by a sinkhole, your insurance company should pay for the testing and repairs.

What if the insurance company denied my claim?

If your insurance company denies your sinkhole claim or pays you an amount that’s lower than needed or expected, by law, you can make an appeal. You are entitled to take part in the Florida Department of Financial Services’ Neutral Evaluation Program that provides an engineer or a geologist who will act as the third party and identify the sinkhole activity and the method of repair.

What should I do when buying a home in Florida?

If you’re planning to buy a home in Florida, take these points into account:

Ask an insurance agent if the home can be insured or not.

Check if there’s a recent sinkhole activity in the area.

If you want to have sinkhole coverage, inform your insurance company and make sure that it is included in your policy.

Hire a home inspector to check signs of potential sinkhole activity such as cracks in the walls, etc.

Get a C.L.U.E. Personal Property report. It provides a history of losses for the last seven years with an individual and his/her property. This security measure is often overlooked, but is easy to get access to and can greatly help in making a decision on whether to buy a home in Florida or not. Just ask the seller upfront to give you a copy.

References:

www.earthtech.com www.propertyinsurancecoveragelaw.com www.myfloridacfo.com www.geohazardsinc.com www.clickorlando.com www.floir.com www.sinkholeattorney.com imaliklaw.com www.flickr.com

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aaltjebarisca · 6 years ago

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11 Ways You Can Get Out of Paying Student Loans

If you borrowed student loans to pay for college or graduate school, you might have a long road of debt repayment ahead of you. But you could reach your destination much faster — and end up paying much less, or in some cases nothing at all — once you know how to get out of student loan debt with a loan forgiveness or discharge program.

Many of these programs offer loan cancelation or assistance in exchange for qualifying employment or other eligibility requirements. Others may throw out your entire student loan bill in special circumstances, for example, if your school closed.

If you’re struggling to pay back your student debt, read on to potentially find a program that fits your situation.

How to get out of student loan debt

From income-driven repayment plans to Public Service Loan Forgiveness, the government offers various ways to wipe away your college debt balance. Read on to learn about how to get out of student loan debt without paying the entire amount yourself.

1. Income-driven repayment plans

If you still have a balance at the end of 20 or 25 years on an income-driven repayment plan, it will be forgiven. And at the same time, these plans can decrease your monthly payment, as your regular bill will be capped at a percentage of your discretionary income.

Just keep in mind that stretching your payments over 20 to 25 years may actually end up costing you more in the long run due to interest. And any forgiven amount at the end of the repayment period might be considered taxable income, so you’ll likely have to pay one last bill before saying goodbye to your student loan debt for good.

2. Public Service Loan Forgiveness (PSLF)

If you work in public service for 10 years, you could be eligible for the Public Service Loan Forgiveness (PSLF) program.

To qualify, you must work for 10 years in public service for at least 30 hours per week. You must also must make at least 120 qualifying monthly payments under one of the income-driven repayment plans.

That said, the future of the PSLF program isn’t certain, and it could be phased out in the years to come. What’s more, some PSLF applicants have reported that their applications were denied for unclear reasons.

Although the PSLF program remains in effect for now, the road to getting loan forgiveness hasn’t been as easy as borrowers hoped.

If it sounds like you might not qualify for PSLF, answer a few questions below so we can help point you towards other repayment options. Otherwise, scroll down to read on.

3. Perkins Loan Cancellation and Discharge

If you have a loan from the now-closed Perkins Loan program, you may be able to get out of paying back student debt if you volunteer in the Peace Corps or AmeriCorps Vista program, serve in the U.S. armed forces in a hostile area, or work in a variety of other professions including teaching, medicine, social service or law enforcement.

4. Teacher Loan Forgiveness

If you’ve been teaching full-time in a low-income school, you might be eligible for Teacher Loan Forgiveness. You could have up to 100% of a Perkins Loan forgiven and up to $17,500 of a Direct Loan or Stafford Loan forgiven.

5. Student loan repayment assistance

A sizeable number of states and universities — and even some employers — offer student loan repayment assistance programs (LRAPs) to qualifying borrowers. Many, though not all, of these LRAPs are designed for professionals in certain fields, such as doctors, pharmacists, veterinarians or teachers.

Often, LRAPs offer financial relief after only one to three years of service. Some universities also offer student loan assistance for qualifying alumni, typically in exchange for working at a non-profit in a high-need area for a few years. Check with your college or university for details about these types of programs.

Finally, certain companies offer a student loan benefit to their employees, matching a percentage of their payments each month. Depending on where you live and work, you could potentially qualify for assistance that will help you pay off your student debt.

6. Closed School Discharge

If your school closes before you can finish your program, then you might be eligible for a Closed School Discharge of your student loan debt. To qualify, you must either be enrolled when the school closes or have withdrawn from the school less than 120 days prior to its closing.

If you did have a chance to finish your program before the school closed, and all you need is the diploma or certificate, you are not eligible for this discharge.

7. False Certification of Student Eligibility or Unauthorized Payment Discharge

Did your school make false certifications about your eligibility for the loan, or sign your name on an application or promissory note without your permission? Did they endorse a loan check without your knowledge, then fail to give you the proceeds or put the payment toward your loan?

If you answered yes to any of these questions, find out more about how you may be able to get out of student loan debt through this option. You may be eligible for this discharge.

8. Unpaid Refund Discharge

If you withdraw, the school may owe a refund to the U.S. Department of Education or lender. If the school fails to provide this refund, you may be eligible for a discharge although it will only cover the unpaid refund amount.

9. Total and Permanent Disability Discharge (TPD)

Are you a veteran with a service-connected disability? Are you receiving Social Security Disability Insurance or Supplemental Security Income? Is a medical condition preventing you from engaging in any “substantial gainful activity” for the past 60 months or the next 60 months, or expected to result in death?

You may be eligible for Total and Permanent Disability Discharge. Be sure to check out how to get out of student loan debt through this program.

10. Death Discharge

It’s grim but true, and worth noting. If the borrower dies, the loan is discharged. The same is true of parents who have PLUS loans: If the parent or the student dies, the loan is discharged.

11. Discharge in Bankruptcy

It won’t be easy, but it is possible to have your student loans discharged with Chapter 7 or Chapter 13 bankruptcy. To be considered, you must initiate an adversary proceeding by filing a Complaint to Determine Dischargeability. It is then up to you to prove that paying back your student loans will cause you undue hardship.

That said, bankruptcy should always be a last resort. Exhaust every other option for paying back your debts first, student loans included.

How to avoid paying back student loans through forgiveness or discharge

If you’re struggling with student debt, it might be tempting to walk away from your loans without paying them back. But ignoring your debt will only make a tough situation worse, since going into default comes with a host of bad consequences that could hurt your finances for years to come.

Instead of ignoring your debt, learn legitimate ways for getting out of student debt without paying your entire balance yourself. Forgiveness programs could offer relief, as could student loan assistance offered by your state, university or employer.

And if you have special circumstances, such as a closed school or permanent disability, you may want to apply to certain programs to get your loan discharged. Make sure to read over the details of any forgiveness or discharge program to ensure you’re on track toward meeting all the criteria.

Even if you can’t qualify for any of these options, look for other ways to manage your student loans. For example, there are some relatively easy side hustles out there that can pull in some cash for extra payments to get rid of your debt faster and save money on interest. You can also look into student loan refinancing to see if you could snag a lower interest rate on your debt or trim your monthly payment amount. By researching your options, you could save yourself a good deal of money.

Rebecca Safier contributed to this report.

Interested in refinancing student loans? Here are the top 6 lenders of 2019!

LenderVariable APREligible Degrees Check out the testimonials and our in-depth reviews! 1 Important Disclosures for Earnest. Earnest Disclosures

Earnest fixed rate loan rates range from 3.89% APR (with Auto Pay) to 7.89% APR (with Auto Pay). Variable rate loan rates range from 2.55% APR (with Auto Pay) to 6.97% APR (with Auto Pay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms 10 years or less. For loan terms of 10 years to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 1.82% and 5.50% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of February 27, 2019, and are subject to change based on market conditions and borrower eligibility.

The information provided on this page is updated as of 08/21/18. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice. Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 302 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, email us at [email protected], or call 888-601-2801 for more information on ourstudent loan refinance product.

2 Important Disclosures for Laurel Road. Laurel Road Disclosures

FIXED APR Fixed rate options consist of a range from 3.75% per year to 5.80% per year for a 5-year term, 5.14% per year to 6.25% per year for a 7-year term, 5.24% per year to 6.65% per year for a 10-year term, 5.30% per year to 7.05% per year for a 15-year term, or 5.61% per year to 7.27% per year for a 20-year term, with no origination fees. The fixed interest rate will apply until the loan is paid in full (whether before or after default, and whether before or after the scheduled maturity date of the loan). The monthly payment for a sample $10,000 loan at a range of 3.75% per year to 5.80% per year for a 5-year term would be from $183.04 to $192.40. The monthly payment for a sample $10,000 loan at a range of 5.14% per year to 6.25% per year for a 7-year term would be from $142.00 to $147.29. The monthly payment for a sample $10,000 loan at a range of 5.24% per year to 6.65% per year for a 10-year term would be from $107.24 to $114.31. The monthly payment for a sample $10,000 loan at a range of 5.30% per year to 7.05% per year for a 15-year term would be from $80.65 to $90.16. The monthly payment for a sample $10,000 loan at a range of 5.61% per year to 7.27% per year for a 20-year term would be from $69.41 to $79.16.

VARIABLE APR Variable rate options consist of a range from 3.48% per year to 6.30% per year for a 5-year term, 4.85% per year to 6.35% per year for a 7-year term, 4.90% per year to 6.40% per year for a 10-year term, 5.15% per year to 6.65% per year for a 15-year term, or 5.40% per year to 6.90% per year for a 20-year term, with no origination fees. APR is subject to increase after consummation. The variable interest rate will change on the first day of every month (“Change Date”) if the Current Index changes. The variable interest rates are based on a Current Index, which is the 1-month London Interbank Offered Rate (LIBOR) (currency in US dollars), as published on The Wall Street Journal’s website. The variable interest rates and Annual Percentage Rate (APR) will increase or decrease when the 1-month LIBOR index changes. The variable interest rates are calculated by adding a margin ranging from 0.98% to 3.80% for the 5-year term loan, 2.35% to 3.85% for the 7-year term loan, 2.40% to 3.90% for the 10-year term loan, 2.65% to 4.15% for the 15-year term loan, and 2.90% to 4.40% for the 20-year term loan, respectively, to the 1-month LIBOR index published on the 25th day of each month immediately preceding each “Change Date,” as defined above, rounded to two decimal places, with no origination fees. If the 25th day of the month is not a business day or is a US federal holiday, the reference date will be the most recent date preceding the 25th day of the month that is a business day. The monthly payment for a sample $10,000 loan at a range of 3.48% per year to 6.30% per year for a 5-year term would be from $181.83 to $194.73. The monthly payment for a sample $10,000 loan at a range of 4.85% per year to 6.35% per year for a 7-year term would be from $140.64 to $147.77. The monthly payment for a sample $10,000 loan at a range of 4.90% per year to 6.40% per year for a 10-year term would be from $105.58 to $113.04. The monthly payment for a sample $10,000 loan at a range of 5.15% per year to 6.65% per year for a 15-year term would be from $79.86 to $87.94. The monthly payment for a sample $10,000 loan at a range of 5.40% per year to 6.90% per year for a 20-year term would be from $68.23 to $76.93.

3 Important Disclosures for SoFi. SoFi Disclosures Student loan Refinance:

Fixed rates from 3.899% APR to 8.024% APR (with AutoPay). Variable rates from 2.540% APR to 7.275% APR (with AutoPay). Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on term of loan. See APR examples and terms. Lowest variable rate of 2.540% APR assumes current 1 month LIBOR rate of 2.49% plus 0.04% margin minus 0.25% ACH discount. Not all borrowers receive the lowest rate. If approved for a loan, the fixed or variable interest rate offered will depend on your creditworthiness, and the term of the loan and other factors, and will be within the ranges of rates listed above. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. See eligibility details. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. *To check the rates and terms you qualify for, SoFi conducts a soft credit inquiry. Unlike hard credit inquiries, soft credit inquiries (or soft credit pulls) do not impact your credit score. Soft credit inquiries allow SoFi to show you what rates and terms SoFi can offer you up front. After seeing your rates, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit inquiry. Hard credit inquiries (or hard credit pulls) are required for SoFi to be able to issue you a loan. In addition to requiring your explicit permission, these credit pulls may impact your credit score. SoFi rate ranges are current as of March 4, 2019 and are subject to change without notice.

Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet SoFi’s underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, a responsible financial history, years of experience, income and other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Business Oversight under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp., NMLS # 1121636. (www.nmlsconsumeraccess.org) 4 Important Disclosures for LendKey. LendKey Disclosures

5 Important Disclosures for CommonBond. CommonBond Disclosures

6 Important Disclosures for Citizens Bank. Citizens Bank Disclosures Education Refinance Loan Rate Disclosure: Variable rate, based on the one-month London Interbank Offered Rate (“LIBOR”) published in The Wall Street Journal on the twenty-fifth day, or the next business day, of the preceding calendar month. As of March 1, 2019, the one-month LIBOR rate is 2.48%. Variable interest rates range from 2.98%-9.72% (2.98%-9.72% APR) and will fluctuate over the term of the borrower’s loan with changes in the LIBOR rate, and will vary based on applicable terms, level of degree earned and presence of a co-signer. Fixed interest rates range from 3.89%-9.99% (3.89%-9.99% APR) based on applicable terms, level of degree earned and presence of a co-signer. Lowest rates shown are for eligible, creditworthy applicants with a graduate level degree, require a 5-year repayment term and include our Loyalty discount and Automatic Payment discounts of 0.25 percentage points each, as outlined in the Loyalty and Automatic Payment Discount disclosures. The maximum variable rate on the Education Refinance Loan is the greater of 21.00% or Prime Rate plus 9.00%. Subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change. Please note: Due to federal regulations, Citizens Bank is required to provide every potential borrower with disclosure information before they apply for a private student loan. The borrower will be presented with an Application Disclosure and an Approval Disclosure within the application process before they accept the terms and conditions of their loan. Federal Loan vs. Private Loan Benefits: Some federal student loans include unique benefits that the borrower may not receive with a private student loan, some of which we do not offer with the Education Refinance Loan. Borrowers should carefully review their current benefits, especially if they work in public service, are in the military, are currently on or considering income based repayment options or are concerned about a steady source of future income and would want to lower their payments at some time in the future. When the borrower refinances, they waive any current and potential future benefits of their federal loans and replace those with the benefits of the Education Refinance Loan. For more information about federal student loan benefits and federal loan consolidation, visit http://studentaid.ed.gov/. We also have several resources available to help the borrower make a decision at http://www.citizensbank.com/EdRefinance, including Should I Refinance My Student Loans? and our FAQs. Should I Refinance My Student Loans? includes a comparison of federal and private student loan benefits that we encourage the borrower to review. Citizens Bank Education Refinance Loan Eligibility: Eligible applicants may not be currently enrolled. Applicants with an Associate’s degree or with no degree must have made at least 12 qualifying payments after leaving school. Qualifying payments are the most recent on time and consecutive payments of principal and interest on the loans being refinanced. Primary borrowers must be a U.S. citizen, permanent resident or resident alien with a valid U.S. Social Security Number residing in the United States. Resident aliens must apply with a co-signer who is a U.S. citizen or permanent resident. The co-signer (if applicable) must be a U.S. citizen or permanent resident with a valid U.S. Social Security Number residing in the United States. For applicants who have not attained the age of majority in their state of residence, a co-signer will be required. Citizens Bank reserves the right to modify eligibility criteria at anytime. Interest rate ranges subject to change. Education Refinance Loans are subject to credit qualification, completion of a loan application/consumer credit agreement, verification of application information, certification of borrower’s student loan amount(s) and highest degree earned. Loyalty Discount Disclosure: The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower or their co-signer (if applicable) has a qualifying account in existence with us at the time the borrower and their co-signer (if applicable) have submitted a completed application authorizing us to review their credit request for the loan. The following are qualifying accounts: any checking account, savings account, money market account, certificate of deposit, automobile loan, home equity loan, home equity line of credit, mortgage, credit card account, or other student loans owned by Citizens Bank, N.A. Please note, our checking and savings account options are only available in the following states: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, and VT and some products may have an associated cost. This discount will be reflected in the interest rate disclosed in the Loan Approval Disclosure that will be provided to the borrower once the loan is approved. Limit of one Loyalty Discount per loan and discount will not be applied to prior loans. The Loyalty Discount will remain in effect for the life of the loan. Automatic Payment Discount Disclosure: Borrowers will be eligible to receive a 0.25 percentage point interest rate reduction on their student loans owned by Citizens Bank, N.A. during such time as payments are required to be made and our loan servicer is authorized to automatically deduct payments each month from any bank account the borrower designates. Discount is not available when payments are not due, such as during forbearance. If our loan servicer is unable to successfully withdraw the automatic deductions from the designated account three or more times within any 12-month period, the borrower will no longer be eligible for this discount. Co-signer Release: Borrowers may apply for co-signer release after making 36 consecutive on-time payments of principal and interest. For the purpose of the application for co-signer release, on-time payments are defined as payments received within 15 days of the due date. Interest only payments do not qualify. The borrower must meet certain credit and eligibility guidelines when applying for the co-signer release. Borrowers must complete an application for release and provide income verification documents as part of the review. Borrowers who use deferment or forbearance will need to make 36 consecutive on-time payments after reentering repayment to qualify for release. The borrower applying for co-signer release must be a U.S. citizen or permanent resident. If an application for co-signer release is denied, the borrower may not reapply for co-signer release until at least one year from the date the application for co-signer release was received. Terms and conditions apply. Borrowers whose loans were funded prior to reaching the age of majority may not be eligible for co-signer release. Note: co-signer release is not available on the Student Loan for Parents or Education Refinance Loan for Parents. 2.55% – 6.97%1Undergrad & Graduate

Visit Earnest

2.54% – 7.28%3Undergrad & Graduate

Visit SoFi

2.70% – 8.96%4Undergrad & Graduate

Visit Lendkey

3.23% – 6.65%2Undergrad & Graduate

Visit Laurel Road

2.69% – 7.43%5Undergrad & Graduate

Visit CommonBond

2.98% – 9.72%6Undergrad & Graduate

Visit Citizens

Our team at Student Loan Hero works hard to find and recommend products and services that we believe are of high quality and will make a positive impact in your life. We sometimes earn a sales commission or advertising fee when recommending various products and services to you. Similar to when you are being sold any product or service, be sure to read the fine print understand what you are buying, and consult a licensed professional if you have any concerns. Student Loan Hero is not a lender or investment advisor. We are not involved in the loan approval or investment process, nor do we make credit or investment related decisions. The rates and terms listed on our website are estimates and are subject to change at any time. Please do your homework and let us know if you have any questions or concerns.

The post 11 Ways You Can Get Out of Paying Student Loans appeared first on Student Loan Hero.

from Updates About Loans https://studentloanhero.com/featured/10-ways-you-can-get-out-of-paying-student-loans/

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aaronsniderus · 6 years ago

Text

11 Ways You Can Get Out of Paying Student Loans

If you’re struggling to pay back your student debt, read on to potentially find a program that fits your situation.

How to get out of student loan debt

1. Income-driven repayment plans

2. Public Service Loan Forgiveness (PSLF)

If you work in public service for 10 years, you could be eligible for the Public Service Loan Forgiveness (PSLF) program.

Although the PSLF program remains in effect for now, the road to getting loan forgiveness hasn’t been as easy as borrowers hoped.

If it sounds like you might not qualify for PSLF, answer a few questions below so we can help point you towards other repayment options. Otherwise, scroll down to read on.

3. Perkins Loan Cancellation and Discharge

4. Teacher Loan Forgiveness

5. Student loan repayment assistance

6. Closed School Discharge

If you did have a chance to finish your program before the school closed, and all you need is the diploma or certificate, you are not eligible for this discharge.

7. False Certification of Student Eligibility or Unauthorized Payment Discharge

If you answered yes to any of these questions, find out more about how you may be able to get out of student loan debt through this option. You may be eligible for this discharge.

8. Unpaid Refund Discharge

9. Total and Permanent Disability Discharge (TPD)

You may be eligible for Total and Permanent Disability Discharge. Be sure to check out how to get out of student loan debt through this program.

10. Death Discharge

It’s grim but true, and worth noting. If the borrower dies, the loan is discharged. The same is true of parents who have PLUS loans: If the parent or the student dies, the loan is discharged.

11. Discharge in Bankruptcy

That said, bankruptcy should always be a last resort. Exhaust every other option for paying back your debts first, student loans included.

How to avoid paying back student loans through forgiveness or discharge

Rebecca Safier contributed to this report.

Interested in refinancing student loans? Here are the top 6 lenders of 2019!

LenderVariable APREligible Degrees Check out the testimonials and our in-depth reviews! 1 Important Disclosures for Earnest. Earnest Disclosures

2 Important Disclosures for Laurel Road. Laurel Road Disclosures

3 Important Disclosures for SoFi. SoFi Disclosures Student loan Refinance:

Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet SoFi’s underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, a responsible financial history, years of experience, income and other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Business Oversight under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp., NMLS # 1121636. (www.nmlsconsumeraccess.org) 4 Important Disclosures for LendKey. LendKey Disclosures

5 Important Disclosures for CommonBond. CommonBond Disclosures

6 Important Disclosures for Citizens Bank. Citizens Bank Disclosures Education Refinance Loan Rate Disclosure: Variable rate, based on the one-month London Interbank Offered Rate (“LIBOR”) published in The Wall Street Journal on the twenty-fifth day, or the next business day, of the preceding calendar month. As of March 1, 2019, the one-month LIBOR rate is 2.48%. Variable interest rates range from 2.98%-9.72% (2.98%-9.72% APR) and will fluctuate over the term of the borrower’s loan with changes in the LIBOR rate, and will vary based on applicable terms, level of degree earned and presence of a co-signer. Fixed interest rates range from 3.89%-9.99% (3.89%-9.99% APR) based on applicable terms, level of degree earned and presence of a co-signer. Lowest rates shown are for eligible, creditworthy applicants with a graduate level degree, require a 5-year repayment term and include our Loyalty discount and Automatic Payment discounts of 0.25 percentage points each, as outlined in the Loyalty and Automatic Payment Discount disclosures. The maximum variable rate on the Education Refinance Loan is the greater of 21.00% or Prime Rate plus 9.00%. Subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change. Please note: Due to federal regulations, Citizens Bank is required to provide every potential borrower with disclosure information before they apply for a private student loan. The borrower will be presented with an Application Disclosure and an Approval Disclosure within the application process before they accept the terms and conditions of their loan. Federal Loan vs. Private Loan Benefits: Some federal student loans include unique benefits that the borrower may not receive with a private student loan, some of which we do not offer with the Education Refinance Loan. Borrowers should carefully review their current benefits, especially if they work in public service, are in the military, are currently on or considering income based repayment options or are concerned about a steady source of future income and would want to lower their payments at some time in the future. When the borrower refinances, they waive any current and potential future benefits of their federal loans and replace those with the benefits of the Education Refinance Loan. For more information about federal student loan benefits and federal loan consolidation, visit http://studentaid.ed.gov/. We also have several resources available to help the borrower make a decision at http://www.citizensbank.com/EdRefinance, including Should I Refinance My Student Loans? and our FAQs. Should I Refinance My Student Loans? includes a comparison of federal and private student loan benefits that we encourage the borrower to review. Citizens Bank Education Refinance Loan Eligibility: Eligible applicants may not be currently enrolled. Applicants with an Associate’s degree or with no degree must have made at least 12 qualifying payments after leaving school. Qualifying payments are the most recent on time and consecutive payments of principal and interest on the loans being refinanced. Primary borrowers must be a U.S. citizen, permanent resident or resident alien with a valid U.S. Social Security Number residing in the United States. Resident aliens must apply with a co-signer who is a U.S. citizen or permanent resident. The co-signer (if applicable) must be a U.S. citizen or permanent resident with a valid U.S. Social Security Number residing in the United States. For applicants who have not attained the age of majority in their state of residence, a co-signer will be required. Citizens Bank reserves the right to modify eligibility criteria at anytime. Interest rate ranges subject to change. Education Refinance Loans are subject to credit qualification, completion of a loan application/consumer credit agreement, verification of application information, certification of borrower’s student loan amount(s) and highest degree earned. Loyalty Discount Disclosure: The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower or their co-signer (if applicable) has a qualifying account in existence with us at the time the borrower and their co-signer (if applicable) have submitted a completed application authorizing us to review their credit request for the loan. The following are qualifying accounts: any checking account, savings account, money market account, certificate of deposit, automobile loan, home equity loan, home equity line of credit, mortgage, credit card account, or other student loans owned by Citizens Bank, N.A. Please note, our checking and savings account options are only available in the following states: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI, and VT and some products may have an associated cost. This discount will be reflected in the interest rate disclosed in the Loan Approval Disclosure that will be provided to the borrower once the loan is approved. Limit of one Loyalty Discount per loan and discount will not be applied to prior loans. The Loyalty Discount will remain in effect for the life of the loan. Automatic Payment Discount Disclosure: Borrowers will be eligible to receive a 0.25 percentage point interest rate reduction on their student loans owned by Citizens Bank, N.A. during such time as payments are required to be made and our loan servicer is authorized to automatically deduct payments each month from any bank account the borrower designates. Discount is not available when payments are not due, such as during forbearance. If our loan servicer is unable to successfully withdraw the automatic deductions from the designated account three or more times within any 12-month period, the borrower will no longer be eligible for this discount. Co-signer Release: Borrowers may apply for co-signer release after making 36 consecutive on-time payments of principal and interest. For the purpose of the application for co-signer release, on-time payments are defined as payments received within 15 days of the due date. Interest only payments do not qualify. The borrower must meet certain credit and eligibility guidelines when applying for the co-signer release. Borrowers must complete an application for release and provide income verification documents as part of the review. Borrowers who use deferment or forbearance will need to make 36 consecutive on-time payments after reentering repayment to qualify for release. The borrower applying for co-signer release must be a U.S. citizen or permanent resident. If an application for co-signer release is denied, the borrower may not reapply for co-signer release until at least one year from the date the application for co-signer release was received. Terms and conditions apply. Borrowers whose loans were funded prior to reaching the age of majority may not be eligible for co-signer release. Note: co-signer release is not available on the Student Loan for Parents or Education Refinance Loan for Parents. 2.55% – 6.97%1Undergrad & Graduate

Visit Earnest

2.54% – 7.28%3Undergrad & Graduate

Visit SoFi

2.70% – 8.96%4Undergrad & Graduate

Visit Lendkey

3.23% – 6.65%2Undergrad & Graduate

Visit Laurel Road

2.69% – 7.43%5Undergrad & Graduate

Visit CommonBond

2.98% – 9.72%6Undergrad & Graduate

Visit Citizens

The post 11 Ways You Can Get Out of Paying Student Loans appeared first on Student Loan Hero.

from Updates About Loans https://studentloanhero.com/featured/10-ways-you-can-get-out-of-paying-student-loans/

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