Student Loan Consolidation Lowdown

Greetings! Welcome to the 10th edition of the Carnival of Student Finance. We have received 6 posts for this edition. Here are the posts in the order they were received.

Dean presents Huge List of Restaurants that Give You Free Birthday Meals posted at Mr. Cheap Stuff Coupons. Broke college students can’t turn down a free meal.

Steve Faber presents - Help Paying Medical Bills posted at Debt Free. What can you do if you need help paying medical bills? Well, there are some places you can find help and some ways you may be able to reduce your medical bills. First of all, there are some things you should not do in this situation.

Edithyeung presents Edith Yeung.com Dream Think Act » Blog Archive » 7 Habits of Highly Effective Money Managers posted at Edith Yeung.Com: Dream. Think. Act.. Money can’t work hard for you unless you are in control of the money. Money is like a child. The child can be easily tamed if you spend time to teach and nurture them. Otherwise, they can easily take over your life.

Ted Reimers presents Benefits of Student Loan Consolidation posted at College Tips. If you have many student loans, you should consider Consolidating your Student Loans with the U.S. Dept. of Education.

The Mad Money Analyst presents Systematic Investing Could Yield Greater Returns posted at The Mad Money Analyst. Investing isn’t a set it-and-forget it process. The first step in the process for you may be setting up an account and making the initial investment, but it certainly does not stop there.

FitBuff presents I Can’t Stand My Stand Up Desk! posted at FitBuff.com’s Total Mind and Body Fitness Blog. A story about my stand up desk, plus a very affordable way to set up a test workstation, so even students on a budget can try the benefits of a stand up desk.

That concludes the 10th edition of the Carnival of Student Finance. Next edition of this carnival will be hosted here on 22 July 2007. You can submit your posts here.

Greetings! Welcome to the 9th edition of the Carnival of Student Finance. We have received 9 posts for this edition. Here are the posts in the order they were received.

Tushar presents How much should your Monthly Mortgage Payment be ? posted at Life of a Resident Alien…. An article on Yahoo has this interesting piece of information about how much should you spend monthly on your mortgage.

Ted Reimers presents Cheapest Colleges posted at College Blog. Get a quality education at a good price with these best bargain colleges.

The Skilled Investor presents PIRATES OF THE CREDIT SEA - Part 6: Default under the Citibank credit card contract posted at THE SKILLED INVESTOR Blog. This article in this series discusses the seven conditions of default under the Citibank / AT&T Universal card agreement. It also expresses my opinions about contractual relationships in general and about the Citibank / AT&T Universal credit card contract in particular.

Tim Ramsey presents Reduce Credit Card Debt Quickly posted at My Debt Relief Blog. Stop Using Your Credit Card. This is a massive way you can start to reduce credit card debt quickly, it isn’t rocket science to realize that by continuing to use your credit card is going to plunge you deeper into debt than you already are.

Eric Stanley presents Saving Money - A Top Strategy For Saving Money posted at Personal Finance Blog Articles. Do you find it difficult to save the money you work hard to earn? If so, then this article aims to help you get on top of your funds and start investing in your future.

John presents The Almost Debt Free Approach to Student Loan Debt Reduction vs. Investing vs. Savings posted at Queercents. John finds himself grappling the age-old debate of what’s the better option: paying down the student loan or investing and saving. There’s so much back and forth on this issue… he explores the options here.

Matthew Paulson presents What To Do When You’re About to Graduate posted at Getting Green. Most students who are about to graduate high-school or college and head off into the real world do very little to prepare for what’s ahead. They take their classes, enjoy their time in school, and before they know it, it’s a few weeks before graduation, they haven’t found a job, or have any real idea what they’re going to do after the graduate.

Warren Wong presents Why You Should Start Saving Money Today posted at Personal Development for INTJs. Starting Saving Money Today! Why? It’s the difference between being broke and being a millionaire!

ChristianPF presents 9 Tips from Warren Buffett posted at ChristianPF.com. Nine tips about investing, business, and life from the world’s greatest investor.

That concludes the 9th edition of the Carnival of Student Finance. Next edition of this carnival will be hosted on 13 July, 2007. You can submit your posts here.

Greetings! Welcome to the 8th edition of the Carnival of Student Finance. We have received 12 posts for this edition. I must say that these are useful and interesting. Here are the posts in the order they were received.

Ted Reimers presents Best Colleges posted at CampusGrotto College Blog. Here is a list of the 10 Best Colleges. Did your school make the list?

Allen Taylor presents Making Big Money By Looking At The Seasons Of Investment posted at Investing World Today. All forms of investment markets have “seasons” just like the very predictable weather patterns of spring, summer, fall and winter.

Tim Ramsey presents Student Debt Relief - How To Get Yourself Out Of Student Debt posted at My Debt Relief Blog. In this article you will find out how to get yourself out of student debt the smart way.

Eric Stanley presents Free Up 2,000 A Month - Easily posted at Personal Finance Blog Articles. Applying these examples, you can easily free up extra $2,000 per month.

Thomas Humes presents Millionaire Mind - Think Like A Millionaire posted at Wealth Building World. Millionaires, multi millionaires and billionaires have a unique way of looking at money. Learn about it and apply it to your own thinking.

Baz L presents Air Conditioning At 69 Degrees - Way To Save! posted at Day In The Life of Baz.

Tushar presents You are in financial trouble if… posted at Life of a Resident Alien….

Matthew Paulson presents College Students: Get More for Your Used Textbooks posted at Getting Green.

Rick MacGuidwin presents It’s Really All About Asset Allocation: Part 1 of 2 posted at Tips from Rick. Rick says, “One thing I learned at Merrill Lynch was a great system for retirement planning. The system is much like any Algebra course where you simply solve for the unknown.”

Scott presents 7 Surefire Ways to Save Serious Cash in College posted at College and Finance.

Warren Wong presents Why Not To Drive posted at Personal Development for INTJs.

Steve faber presents - Avoid Some of Those Nasty Extra Car Repair Fees posted at Debt Free. If you’ve had the misfortune to spend a ton of money on car repair lately, you may have actually looked closely at the invoice from your autocare provider to find out why the hell it was so large.

That concludes the 8th edition of the Carnival of Student Finance. Next edition of this carnival will be hosted here on 05 July, 2007. You can submit your posts here.

Greetings! The 7th edition of the Carnival of Student Finance is up. We have received 9 posts for this edition. Here are the posts in the order they were received.

Gustav S presents American Social Security, our World Economic meltdown? posted at success-is-in-you.com. If you are looking for credit better be aware of this upcoming events.

Grey Swan presents Should Wealthy Children Attend Top Schools? | Grey Swan posted at Grey Swan. First in a series of Blogs about Student Financial decisions.

Steve Faber presents - Debt Consolidation – A Great Debt Solution, or Stupid Move? posted at Getting Debt Free. Debt consolidation is great because it allows you to use a secured loan, with subsequently lower interest rates, to pay off higher interest financial obligations.

David presents Success Advice for Recent Graduates posted at Worldwide Success. As many young people graduated from college and high school in the last few weeks and started their journeys in the “real world”, this is the perfect time to talk about what these young people should do in order to achieve success.

Bill presents You Suck, Girl posted at Ask Uncle Bill. Seems there is another study out there about wage inequality. Here are the ‘facts’–newly minted college graduates (females) earn about 80% of what a male graduate makes ‘right out of the gate.’

Trent presents Student Loans And The Philosophy Of Debt posted at The Simple Dollar. Low interest debt, like the student loan debt above, should be left alone and you should only avoid high interest debt (right now, anything over 7% or so); instead, you should be building up a big emergency fund and a fund to buy more expensive things (like cars) with cash. This plan offers breathing room and security, but does leave some debt in place.

Scott presents College Football and Basketball Tickets, a Great Investment posted at College and Finance. An investment strategy for students.

Ruby presents 25 Ways to Make Money Quickly and Easily (and Legally)! posted at Advice and Rants. How can you earn some extra money easily and quickly? You may be broke, debt, and desperate to make some money quickly, or you may be unable to work full-time (maybe because you’re a student like me?). Don’t worry, there are ways to make money quickly, easily, and without robbing a bank.

Ted Reimers presents College Admission Tips posted at College Blog. Follow these 15 steps when applying for college and increase your chances of getting in.

That concludes the 7th edition of the Carnival of Student Finance. Next edition of this carnival will be hosted here on 24 June, 2007. Submit your posts here.

Welcome to the Carnival of Student Finance. We have received 10 posts for this edition. Here are the posts in the order they were received.

Ted Reimers presents Best College Internships posted at CampusGrotto College Blog. An internship at one of these companies will be fun, knowledgeable and career building.

David presents One Million Dollars Generators posted at Worldwide Success. Any activity that generates $10 a day for 10 years will turn into $1 Million in another 30 years if the money is invested at a 10% rate of return.

English Major presents What I Wish I’d Known About Money When I Graduated posted at An English Major’s Money. English Major is thinking about the financial mistakes he made as he tried to set up his life, and the things that he learned from them.

Stingy Student presents Oh, the places you’ll go posted at Stingy Students. Despite the fact that you’re probably going to have to spend money (unless you luck out and manage to find a job where you go), there are many ways in which this can be accomplished in the stingy student manner.

Abdulrasool presents The Dark Sides of Debt Consolidation posted at Debt Consolidation. When paying off their debts, consumers have their minds on only 1 thing, and that is the monthly payments. Some debt consolidation companies will therefore lower your current monthly payments, which is nice, but they will also stretch your payback period.

Ted Reimers presents How to Get a Job after College posted at College Blog. Getting a job after just graduating from College can be difficult if you are not prepared. Follow these Ten Tips to help secure post college employment and get a start on a new career.

Erik presents Your Options For Paying Back Your Student Loans posted at Money Crashers. Loan consolidation puts all of your payments into one lump sum payment. You don’t need to keep track of 6 to 8 different payments you need to make every month.

The Skilled Investor presents PIRATES OF THE CREDIT SEA: Part 2: What are my rights? posted at THE SKILLED INVESTOR Blog. When you deal with a credit card company, however, things just seem not to be that easy after 60 days. Unless, you watch every billing statement like a hawk and contest any problems in writing within 60 days, which we did not do, your road to recovery could be more difficult, if the credit card company wants to make it harder.

Tushar presents Credit Score Breakup and ways to boost it posted at Life of a Resident Alien…. Avoid applying on your own for a lot of loans and credit cards, particularly in a short period. And avoid excessive card-hopping.

Tim Ramsey presents How to Obtain Low Card Interest with Bad Credit posted at My Debt Relief Blog. Many major credit card companies actually provide lower interest rates to cardholders that have bad credit and poor payment histories. They do this to help the cardholder prevent defaulting on the debt by filing for bankruptcy or going to collections.

That concludes the sixth edition of the Carnival of Student Finance. Keep submitting your posts to the future editions of this carnival. Thank you for your contribution.

Greetings! Welcome to the 5th edition of the Carnival of Student Finance. We have received 9 great posts for this edition. Here are the posts in the order they were received.

Tushar presents Easy ways to cut your energy bill posted at Life of a Resident Alien…. Your home isn’t very energy efficient if you have less than six inches of insulation in your attic, if your furnace is 10 years or older, or you have lots of windows on the North side and you live in a cold climate, according to the Alliance to Save Energy.

ISPF presents Congratulations, May Grads! posted at Grad Money Matters. ISPF’s response to the question - "What is one piece of advice or life lesson that you have for this year’s graduates (both high school and college)?"

Fletchlives presents Sometimes You Should Roll The Dice posted at fletchlivesforecasts. Take a look, if you have a minute.

Ted Reimers presents How to save money in College posted at CampusGrotto College Blog. Here are 10 ways students can save money while in College.

KRG presents How to Save Money on Textbooks posted at FIL-AM WORDS. Few years before the internet age, most students bought their textbooks at the university bookstore and paid a premium price. To save money on books, students can either purchase a used book from a fellow student who previously took the class, or at the university bookstore.

Alex Z presents FU Fund - The Old Kid On The Block posted at Funds Zine. Emergency fund explained in simple terms.

Kennubo presents Ken Nubo — Your daily source of rambling: How to get out of debt fast. posted at Ken Nubo — Your daily source of rambling. The only reason there is the “millionaire next door” is because they consistently spend less then they earn, so be frugal today.

Tushar presents Move your checking account to Bank of America and get $75 posted at Life of a Resident Alien…. Make the move to better banking and you can receive $75. Just open a new, personal checking account, and you’ll enjoy access to your money on the nation’s largest network of bank-owned ATMs. And the freedom to bank from your new home with our free Online Banking service with unlimited Bill Pay.

Aimee presents How I paid my $20,000 student loan off in 2 years posted at Foximus. Aimee says, "When I finished school I had about $5000 in credit card debt (yes I said $5000) and $15,000 in student loans. I hated being in debt and wanted to get myself out of the hole as soon as I possibly could so here is what I did".

That concludes the 5th edition of the Carnival of Student Finance. Keep submitting your posts to the future editions of this carnival. Thank you for your contribution.

–By Sagar Satapathy

Greetings! Welcome to the 4th edition of the Carnival of Student Finance. Out of the 15 posts received by us, 11 posts have been selected to be featured on this week’s carnival edition. Without further ado, here are the posts in the order they were received.

Ted Reimers presents Free Software for Students posted at CampusGrotto College Blog. Students, don’t waste money on commercial software! Here are 10 free downloads perfect for any student.

Matthew Paulson presents How to Budget in College posted at Getting Green. Personal finance is not taught in secondary schools, and a lot of college students have no idea what a budget is. Most students have heard the word and could easily figure out what a budget is if they put the effort into it, but have never thought about implementing one in their own life.

Edithyeung presents 7 Habits of Highly Effective Money Managers posted at Edith Yeung.Com: Dream. Think. Act.. Money can’t work hard for you unless you are in control of the money. Money is like a child. The child can be easily tamed if you spend time to teach and nurture them. Otherwise, they can easily take over your life.

Erin presents The Benefits of Student-Status Traveling posted at Queercents. How many times have you walked past the bulletin board outside the school library and pined for the day when you’d be able to take that semester abroad trip to Spain? Wondering how you’re going to get to Miami or Cabo for Spring break?

Tushar presents 22 ways to build an emergency fund posted at Life of a Resident Alien…. One of the most important things to have is an emergency fund. If, for any reason, your income stops, your emergency fund should be able to carry you for at least 6-8 months.

Abdulrasool Sumar presents Debt Elimination - Snowball Method posted at Debt Consolidation. Dave Ramsey introduces the idea of a Debt SnowBall Elimination Method in his book, The Total Money MakeOver. With the Debt SnowBall method, you ignore the Annual Percentage Rates (APRs) on your debts when determining which debt to pay off. Instead, you sort your debts from the lowest to the highest.

Silicon Valley Blogger presents Finance Carnival Picks: Should a Personal Finance Education Be Offered in High School? posted at The Digerati Life. Here’s something about the debate on when students should be learning about personal finance.

Bill presents Taking Away The PunchBowl–Why The Stock Market Could Go Down "Big Time" posted at Ask Uncle Bill. True enough but the market is a discounter of future events. The market deals with events before they happen.

Steve Faber presents - 3 Things You Should Know About Credit — Before You Apply for Your Next Credit Card posted at Debt Free. Given the level of debt of the average American, you can never know too much about credit. Here are 3 things that you should be aware of when shopping for credit.

Joe Caterisano presents how to save money part 2 posted at Penny Pinching. Eat meals at home vs. eating out. Fast food every day at $4.00 per meal is well over $100 per month.

Darius presents How much worse can housing get? posted at Related to Mortgage. The slow drift downward in long-term rates stopped this week, the 10-year T-note at 4.69 percent, mortgages settling just above 6.25 percent.

That concludes the 4th edition of the Carnival of Student Finance. Keep submitting your posts to the future editions of this carnival. A link back would be greatly appreciated.

–By Sagar Satapathy

There is little doubt that student finance is one of the important topics for the average Americans. When we decided to launch the Carnival of Student Finance, we expected a good response to it. Now we proved ourselves right. For the third edition, we have selected 11 entries that are actually relevant to student finance. Here are the posts in the order they were received.

David presents Compounding — Friend or Foe? posted at Worldwide Success. When it comes to money and being financially successful, one of the most important concepts you need to understand is compounding. From a financial standpoint, compounding is the cumulative effect of investment returns or interest.

The Frugalist presents 27 Fun Ways to Destroy Your Old Credit Card posted at Frugalist. If you have old credit cards lying about the house, you may be at risk for credit card fraud, and you could be missing out on just how cathartic it really is to destroy those little money fiends. Here are some fun ideas to help you destroy your old credit card. Fun doesn’t necessarily mean safe, so try these at your own risk.

Praveen presents My Simple Trading System: My Stock Trading System posted at My Simple Trading System. The stocks work like money pumps, going up and down, while the portfolio experiences compound growth.

WBL presents Improve Your Credit Score by 100+ Points posted at Wealth Building Lessons. 4 easy steps to improving your credit score.

Nina presents When Fame Doesn’t Equal Fortune: Remember to Buy Insurance posted at Queercents. Many college students store things off campus in a storage locker… including those that live in their trucks. Make sure you have insurance for your stored goods.

Wenchypoo presents My Big Fat Inanimate Object posted at Wisdom From Wenchypoo’s Mental Wastebasket. Wenchypoo explains the “space-to-use” ratio and how young people always seem to have eyes bigger than their wallets (or living spaces) when they acquire furniture and other items.

Reb Chaim HaQoton presents Wisdom in Money posted at Reb HaQoton. Monetary law requires the involvement of human logic in making practical halachik decisions and drawing analogies between rules establish in precedents set by Rabbis of previous generations.

Abdulrasool Sumar presents 10 Crucial Debt Reduction Mistakes posted at 3 Debt Consolidation. Most people owing credit card or any other form of debt will try to avoid it as much as they can by not checking their credit card statements, procrastinating their analysis of debt burdens, etc.

Wealth Building Lessons presents Wealth Building Lessons ? Blog Archive ? How To Have An Extra $1000 In Monthly Retirement Income posted at Wealth Building Lessons. If you’re one of those people who likes to live the high life, you probably don’t realize how much your spending will end up costing you in the long run. Unless of course you have a trust fund and don’t need to worry about money, there’s a good chance you’re spending more money than you ought to, and thus not saving enough for retirement.

Erin presents How College Students Save on Textbook Costs posted at Queercents. Erin at Queercents has some suggestions for cutting down on your textbook costs.

Mr Credit Card presents 3 Methods of Consolidating Student Loans posted at Ask Mr Credit Card’s Blog. Consolidating your student loans may be one way for you to save money on your interest payments and perhaps even pay off your student loans even faster. There are essentially three methods to go doing this.

That concludes the third edition of the Carnival of Student Finance. Keep submitting such great posts to the future editions of this carnival. Consider giving a link back whenever you get time. Thanks!

–By Sagar Satapathy

Welcome to the second edition of the Carnival of Student Finance. Out of the 11 entries we received, 7 have been selected to be featured on this carnival edition. Without further ado, here are the posts in the order they were received:

John presents When to Replace a Computer: A Buying Guide posted at Queercents. If you’re also unsure about whether or not it’s time to buy a new desktop or laptop, check out John’s mini-buying guide at Queercents to decide when it’s time to replace your computer.

Getting to Graduation presents Students: How to Make $1000 a Month Writing For Associated Content posted at Getting To Graduation. Most college students will say they just don’t have the time to do extra work, but they don’t manage their time well. Whenever the writer has an hour in between classes, or an hour to spare here and there, he writes an article and makes good money.

David presents The Wisdom of Great Investors posted at Worldwide Success. If you want to be a good investor the best way to learn is to listen to the greatest investors of all times and to try to absorb some of their wisdom.

Michael Cook presents The College Loan Process posted at Suite101: Mortgages/Loans articles. Student loans have become big business with the staggering increase in college tuition. Find out how to manage the process before you dig into the hole of student debt.

Ted Reimers presents Benefits of getting an MBA posted at CampusGrotto. Getting an MBA is a worthy investment, despite the increase in student debt.

John Peter presents Improve Your Credit Score By Adding Positive Lines Of Credit To Your Credit Report posted at Business School. Improve Your Credit Score By Adding Positive Lines Of Credit To Your Credit Report.

Tushar Mathur presents Life of a Resident Alien…: Earn Money when your PC is IDLE posted at Life of a Resident Alien…. With this, the Carnival of Student Finance is concluded. Feel free to comment on this carnival since your feedback is important for us to improve in certain areas. You can also give a link back to this carnival post in your blog.

–By Sagar Satapathy

Greetings! Welcome to the first edition of the Carnival of Student Finance. We have selected 12 posts to be featured on this carnival. Here are the posts in the order they were received:

Ted Reimers presents Student Loan Consolidation Tips posted at CampusGrotto. Here are tricks many private loan consolidators use to get students to consolidate their loans.

Jimmy Atkinson presents 136 Tips for Saving Money in College posted at Ask the Advisor. College is an expensive proposition, but a degree helps in getting a good career and comfortable life. Here are a few tips on reducing your expenses. Most of the suggestions are aimed at college students. A few are general enough that anyone can use them.

Katie presents Aridni’s Poetry Contest: Mixing Business with poetry posted at Aridni. Business blog hosting a poetry contest? Yeah… you wanna enter?

Rebecca Newburn presents Asking ?Why?? Can Change Your Life and Transform Your Class posted at Information Age Education. Learn about “afformations.” It’s a simple tool to change your relationship to money and transform your life.

Erin presents Secured Cards Create Credit posted at Queercents. If you’re a college student like me, you know that getting your first credit card is like taking a step into the adult world. For those who are new to the world of credit bureaus, APRs, and Mr. FICO, breaking into the credit scene is daunting and frustrating. Fortunately, there is an awesome credit-card-like square of plastic that can serve as a key to the realm behind those pearly Visa gates: the secured credit card.

Jeffrey Strain presents The Coin Man - Pay For Your College Education With Other People’s Change posted at Personal Finance Advice. How one man was able to pay for his college education with other people’s coins.

Jane May presents Be Cautious With Student Loan Debt posted at Career Ramblings. Student loans are beginning to be more and more of a business for companies. The low interest rates (although they aren’t as low as they were 3 years ago) and the accessibility of the loans have made them a lucrative option for students.

Azmi Mufti presents How to Save Money on College Books posted at American Desi Notes. You can always get books at discounted prices without depending on your school. What you need to do is go to your school’s book store and find the books you need. Write down the ISBN numbers of the books. The ISBN number above the barcode.

Nenad Ristic presents Money Conciousness ? What is Money? posted at Money Conciousness. The most commonly used definition of money in economics is “Money is a medium of exchange”. A very simple definition, to be sure, yet with many hidden depths.

Bill presents Taxes and the Three Martini Lunch posted at Ask Uncle Bill. It’s that time of year.

SengAun Ong presents Daily Expenses Sheet Template posted at Tipskey - Unlock Practicality. You will somehow become frugal if you record down your daily expenses.

With this, the first edition of the Carnival of Student Finance is concluded. Keep sending such useful and interesting posts to the future editions of this carnival. A link back will be greatly appreciated.