student loans
BREAKING: Home Raided By SWAT for Student Loans
http://RTR.org | A SWAT team broke into a home at the request of the US Department of Education to arrest and collect on a defaulted student loan. Kenneth Wright was dragged from his Stockton California home in his underwear while his children were in held police custody for several hours as they searched for his estranged wife. We bring you coverage of the unfolding story with remarks from Sheriff Richard Mack on the increased use of SWAT teams nationwide and Congressman Ron Paul’s remarks on the Department of Education.
Duration : 0:4:57
Student Loans : How to Compare Unsubsidized vs. Subsidized Student Loans
Unsubsidized loans and subsidized loans differ on the point of interest, as an unsubsidized loan interest begins accruing the day it is borrowed and a subsidized loan interest does not begin to accrue until separate from full-time school. Compare these two types of loans with financial advice from a guidance counselor in this free video on student loans.
Expert: Cheri Ashwood
Contact: www.wearehdtv.com
Bio: Cheri Ashwood has a bachelor’s degree in psychology and education, and has been a guidance counselor for nearly a decade.
Filmmaker: Christopher Rokosz
Duration : 0:1:26
The Importance of Credit When Applying for a Mortgage – Austin Niemiec Quicken Loans
Hi my name is Austin Niemiec, I’m a Senior Mortgage Banker at Quicken Loans and I’m here today to talk about the importance of credit and the effects it has on applying for a mortgage.
So to begin, credit simply can be defined as a tool or a measure that companies like ourselves use to determine how likely you are to pay back a loan on time. There’s a lot of different factors that go into your credit and your credit profile.
Some of the main ones are the amount of credit card debt you have, how consistent you are on your payments in your mortgage, auto loans, student loans and there’s also a section for public record, such as bankruptcies, foreclosures, charge-off judgments that can have a derogatory effect on your credit score.
What is a good credit score?
In today’s lending environment, anything over a 740 is considered excellent or platinum. The average American has a credit score of around 680 and we can even lend as low as 580 in some cases.
Why is credit important when applying for a home loan?
It’s very, very important that your mortgage expert has an accurate, up-to-date credit profile when quoting you a mortgage rate. It’s going to affect the exact program, it’s going to affect the exact interest rate, it will also affect positive and negative pricing adjustments on your loan. So, to get an accurate quote, you need to have an up-to-date credit profile.
As a consumer, it’s very important that you know what’s going on in your credit world. There may be some small collections that you may not be aware of that pull your score down dramatically. There’s a very good website you can visit, and it’s free of charge, is Quizzle.com. It will give you a free peek at your credit report, it will also give you some advice and recommendations of how to get up to that top level or that top tier.
Any other questions can be directed to your mortgage expert, they’d be happy to elaborate further. Thank you.
Duration : 0:2:25
Bad Education: Spike in Student Loan Defaults
Why Dave Ramsey isn’t surprised that student loan defaults are up 7 percent since last year
Duration : 0:3:45
Paying Off Mounting Student Loans
Tips for paying down your student loans and credit cards to become debt free.
Duration : 0:4:9
Peter Schiff: Jobs, Emigration, Student Loans, Capital Controls
Peter Schiff speaks on Jobs, markets, Student loans and capital controls in the United States.
Duration : 0:9:27
Tips for paying down your Ditch Your Debt Gremlin
Income-Based Repayment is a new way to lower your federal student loan payments starting July 1, 2009. It caps monthly payments and forgives remaining debt and interest after 25 years. And if you’re a teacher or work in government, nonprofit, or other public service jobs, you could have your federal loans forgiven after just 10 years. This animated video explains the programs and tells you where to go for more information: http://www.IBRinfo.org.
Duration : 0:2:29
Default: the Student Loan Documentary
Default: The Student Loan Documentary is a feature-length documentary chronicling the stories of borrowers from different backgrounds affected by the private student lending industry and their struggles to change the system.
In 2005 private student loans were exempted of ALL consumer protections. No matter when their loans were taken, many borrowers now find themselves in a paralyzing predicament of repaying two, three or multiple times the original amount borrowed, with no bankruptcy protection, no cap on fees and penalties and no recourse to the law. The consequences are dire, with stories of borrowers in financial and emotional ruin.
www.defaultmovie.com
A film by Serge Bakalian and Aurora Meneghello
Duration : 0:5:13
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