Colle aid direct - Happy Decision Day 2019
Kailash Mathur • May 1, 2019
Big Decision due for millions of future college students today.
Congratulations to the millions of high school seniors and their families that must make that all-important decision today. Which College or University to attend. All of your studying, research, school visits and anxiety come down to this moment.
For many Universities today is the deadline to decide which school will become your alma mater.
After you make that crucial decision, take a breath. Here are some tips to help.
- Apply for Scholarships. There are many tools out there to help. Look around your local area and businesses, local banks, credit unions, social clubs and school clubs. There is free money, but you will need to search for it and apply. No free lunch here but free money is good. Beware some sites charge fees to search for scholarships. Here is our free scholarship search tool:https://www.collegeaiddirect.com/resources
- Complete the FAFSA ( Free Application for Federal Student Aid), if you haven't completed it already. This is your key to Billions of Dollars in Federal Student Aid including Grants, scholarships and federal loans. The sooner you can fill out the FAFSA, the better. Many states have deadlines. Some Grants are first come, first served. Did you know that you can now fill out the FAFSA in October? Beware some companies charge to fill out the form. Do NOT use them. The word FREE is in the title. Fill it out for FREE with the Federal Government here: https://www.collegeaiddirect.com/resources
- Research the area around your school selection. Once classes start, you may not have much free time to adventure.
- Where do you want to live? On Campus, Dorms, Apartment, Roommates?
- Do you need a gym?
- What do you like to eat? Find restaurants, grocery stores and the all-important coffee shop.
- Local transportation. Car, bus, rideshare, bike?
- Socialize. You can join social media groups for the school, sporting teams and local groups for your interests before you get to campus. It is a fantastic way to see how current students spend their free time and to connect with students like you.
- Create a plan on how to pay for school. Scholarships, grants, federal loans and private loans.
- Create a spreadsheet or document to track the total Cost Of Attendance and how it is being paid off. This will save you hours of grief after graduation. It is also a good idea to track the loans so you can estimate your payments after you graduate.
- Research Private Student Loans . Beware of fees and short durations of payback, some of the advertised lowest rates only allow 5 years for payback. Look for longer terms, 10-15 years. You can always pay off early, just verify there are no prepayment penalties. Be ready with a cosigner. The stronger the credit of your cosigner, the lower your rate. This can save you thousands of dollars over the life of your loan. Some lenders offer a minimum payment option while in school, usually $25. While it may be tempting to not make any payments, this option helps you pay less over the life of the loan and builds your credit history . You can learn more about loan options at:https://www.collegeaiddirect.com/
#DecisionDay, #studentloans, #financialaid, #help
Collegeaiddirect.com College Aid Direct is here to help clarify and simplify the higher Education Finance process. We are your source of information on how to pay for school and survive repayment.
Discover the latest fixed interest rates and origination fees for federal student loans for the 2025-2026 academic year. Learn about Direct Subsidized, Unsubsidized, PLUS & HPSL loans—and how these rates impact your college costs.
When it comes to choosing between fixed and variable interest rates, understanding the differences, along with their pros and cons, is crucial for making an informed financial decision. A fixed interest rate remains constant throughout the life of a loan or mortgage. This stability can be incredibly advantageous in a fluctuating market, as it allows borrowers to predict their payments with certainty. The primary pro of a fixed interest rate is peace of mind; knowing that your payment won’t change protects you from potential increases in rates over time. However, the downside is that if interest rates fall after you secure your loan, you could miss out on lower payments available to new borrowers. On the other hand, a variable interest rate fluctuates based on market conditions. While this can initially seem daunting due to its unpredictability, there are significant benefits. Variable rates often start lower than fixed rates, meaning you could save money in the early years of your loan if market conditions are favorable. However, this comes with risks: if interest rates rise significantly during your repayment period, your monthly payments could increase substantially. In summary, choosing between a fixed and variable interest rate depends on your financial situation and risk tolerance. If you value stability and predictability in your budget planning, a fixed rate may be more suitable for you. Conversely, if you're willing to take some risks for potentially lower initial costs and can handle fluctuations in payments over time, then a variable rate might be worth considering. Make sure to evaluate both options carefully before making this important decision!
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College Aid Direct wants to take a moment to thank all of the Health Care Professionals for their amazing efforts during the Covid-19 pandemic. We are moved by the never-ending stories of your compassion, long hours, and sacrifice. You rose to the occasion when humanity needed you most. We know we aren't out of the woods yet but hopefully, you are able to take a moment to catch your breath. We are here to help you. If you have any questions on your Student Loans, getting new student loans, or how to refinance your loans and potentially save money, we will try our best to help you. As a thank you for your service, no fees will be charged. Learn more at www.collegeaiddirect.com You can email us with questions. For any Nurses and allied health professionals displaced during these crazy days, we would like to introduce you to Kamana. Kamana may be able to help you find the next or better career. Learn more at www.kamanahealth.com . Kamana: Kamana is an online platform for nurses, allied health professionals, and healthcare staffing agencies to eliminate the inefficient and expensive processes used to fill jobs and find work. Kamana launched in 2019 with a focus on solving problems for the travel and per diem workforce, but the technology they are bringing to the industry is on track to modernize how healthcare credentials are managed and shared across the entire nursing and allied health community. The company was born out of the personal frustrations one of their founders, John Modica, experienced throughout his travel and per diem nursing career. Having spent more than five years working travel contracts across the country, John witnessed first-hand how the inefficient technology being used to attract, onboard, and manage healthcare professionals is resulting in missed opportunities and financial waste for him, his staffing agency, and the hospitals that they work for. For healthcare staffing agencies, Kamana provides a secure and mobile-friendly candidate portal that offers real-time talent collaboration, efficient onboarding and profile management, automated credential management, streamlined communication, rapid candidate submissions, and more. Kamana brings operational efficiency into the day-to-day workflows of a staffing agency and brings a much needed improvement to the candidate experience a healthcare staffing agency is able to offer to the nurses and allied health professionals they seek to employ. For nurses and allied health professionals, Kamana provides a single, secure, profile that can be used to manage credentials, onboarding, and relationships throughout every aspect of their career. A Kamana profile can be used directly in conjunction with, or completely independent of, a staffing agency that is using Kamana’s staffing software. The ability to efficiently use the same profile to manage relationships, onboarding, and documentation with multiple staffing agencies saves time and money on both sides. With Kamana, nursing and allied health professionals can put an end to repetitive and data-insecure applications and onboarding, and focus on the aspects of their career and life that matter most. Learn more at www.kamanahealth.com .
2020, what a year so far? We hope you are all well and safe. So how are you to pay for school safely during the pandemic? No need to go visit any loan officers or leave your house. Wash your hands and check out our tips below. APPLY EARLY! Good News: Due to the economic conditions, rates are at historic lows. Bad News: Due to the economic conditions, some companies have limited funds to lend this year. Navigating the process to pay for college can be confusing. We are here to help. If you have a few minutes, we can show you how to pay off that tuition bill. Watch our free video here: WATCH ME Then visit us here for options: SHOW ME THE MONEY You can apply to multiple lenders to shop for rates. We recommend you do. A few extra minutes could save you money in interest over the life of the loan. Just do it within 30 days so it doesn't affect your credit score. Rates are not going to stay this low. Carefully consider Fixed rates versus Variable rates. You may be able to lock in a great rate now. Most undergraduate private student loans require a cosigner. This varies by lender but 75-90% of undergraduate loans are cosigned. Using a cosigner may get you a better interest rate also. If you visit other websites or lenders, watch out for origination fees and any hidden repayment fees. Or you can email us with questions here: HELP If you need to fill out the FAFSA : https://studentaid.ed.gov/sa/fafsa Remember it is free. DO NOT PAY ANYONE TO FILL OUT THE FORM !!!