Exploring your Student Loan Repayment Options

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Exploring your Student Loan Repayment Options"

Transcription

1 Explring yur Student Lan Repayment Optins

2 Student Lan Crisis Yu Are Nt Alne! Currently at $1.26 trillin Increasing at $2,854 per secnd Average debt lad $29, millin Americans carrying student lan debt Surce:

3 Current Student Prfile Cllege Graduates and Emplyment:

4 Private vs. Federal Lans Private Lans: Made by a lender such as a bank, credit unin, state agency r schl Private lans accunt fr $100B dllars f student lan debt balance (8%) Repayment ptins are at the discretin f each private lender Federal Lans: Lans funded by the federal gvernment Federal lans accunt fr $1.16T dllars f the student lan debt balance (92%) Multiple repayment ptins available Federal lans prvide benefits that private lans d nt (subsidized lans, in-schl deferment, incme-driven plans & Public Service Lan Frgiveness) PRIVATE Student Lans vs FEDERAL Student Lans

5 Private Lan Brrwers Optins Available fr Private Lans: Pstpnement Lwer Payments Cnslidatin Cntact yur private lender directly t ask abut temprarily pstpning payments if yu're experiencing any f the fllwing: Returning t schl Ecnmic hardship Unemplyment Natural Disaster Military Deplyment Certain private lans may qualify fr lwer payments. Cntact yur private lender t see if yu qualify fr: Interest-nly payments Extending yur lan term Resurces Private student lan cnslidatin may ffer mre favrable repayment terms if yur credit has imprved since yu riginally brrwed yur student lans. Be sure t ask the lender: Whether the interest rate is fixed r variable Whether there are any fees assciated with the cnslidatin If there are prepayment penalties

6 Federal Lan Brrwers What Kind f Help is Available? Pstpnement Cnslidatin Repayment Optins Lan Frgiveness Discharge

7 Repayment Optins Standard Repayment Plan: Brrwers make mnthly payments f at least $50 fr up t 10 years. All brrwers are autmatically enrlled in this plan upn graduatin. Qualificatins: Lan Types Direct Subsidized and Unsubsidized Lans Subsidized and Unsubsidized Federal Staffrd Lans All PLUS lans Set up payments n autmatic-debit t take advantage f a 0.25% reductin in yur interest rate.

8 Repayment Optins Graduated Repayment Plan: Payments start lwer then increase every tw years fr up t 10 years. Qualificatins: Lan Types Direct Subsidized and Unsubsidized Lans Subsidized and Unsubsidized Federal Staffrd Lans All PLUS lans Can be extended fr brrwers with mre than $30,000 in student lan debt up t 25 years

9 Repayment Optins Extended Repayment Plan: Payments may be fixed r graduated fr up t 25 years. Qualificatins: Lan Types Direct Subsidized and Unsubsidized Lans Subsidized and Unsubsidized Federal Staffrd Lans All PLUS lans If yu are a: Direct Lan brrwer, yu must have mre than $30,000 in utstanding Direct Lans FFEL brrwer, yu must have mre than $30,000 in utstanding FFEL Prgram lans Fr bth prgrams, yu must als be a "new brrwer" as f Oct. 7, 1998

10 Repayment Optins Incme-Based Repayment Plan: Yur maximum mnthly payments will be 15% f discretinary incme, the difference between yur adjusted grss incme and 150% f the pverty guideline fr yur family size and state f residence (ther cnditins apply). Yur payments change as yur incme changes; yu have up t 25 years t pay in full. Qualificatins: Lan Types Direct Subsidized and Unsubsidized Lans Subsidized and Unsubsidized Federal Staffrd Lans All PLUS lans made t students Cnslidatin Lans (Direct r FFEL) that d nt include Direct r FFEL PLUS lans made t parents Yu must have a partial financial hardship

11 Repayment Optins Incme-Cntingent Repayment Plan: Payments are calculated each year and are based n yur adjusted grss incme, family size, and the ttal amunt f yur Direct Lans. Yur payments change as yur incme changes; yu have up t 25 years t pay in full. Qualificatins: Lan Types Direct Subsidized and Unsubsidized Lans Direct PLUS Lans made t students Direct Cnslidatin Lans T avid negative amrtizatin, yu can make extra payments n yur student lans. Be sure t advise yur servicer t apply the extra funds t yur principal balance, instead f simply advancing yur due date.

12 Repayment Optins Pay-as-yu-Earn Repayment Plan: Yur maximum mnthly payments will be 10 percent f discretinary incme, the difference between yur adjusted grss incme and 150 percent f the pverty guideline fr yur family size and state f residence (ther cnditins apply). Yur payments change as yur incme changes; yu have up t 20 years t pay in full. Qualificatins: Lan Types Direct Subsidized and Unsubsidized Lans Direct PLUS lans made t students Direct Cnslidatin Lans that d nt include (Direct r FFEL) PLUS lans made t parents Yu must be a new brrwer n r after Oct. 1, 2007, and must have received a disbursement f a Direct Lan n r after Oct. 1, 2011 Yu must have a partial financial hardship

13 Frgiveness Busting the Myths f Student Lan Frgiveness: MYTH: All student lan brrwers are entitled t enrll in the Obama Frgiveness Prgram. FACT: First, there is nthing called the Obama Frgiveness Prgram r Obama Lan Frgiveness. There are a number f federal student lan repayment prgrams intrduced in recent years that ffer the ptential fr lan frgiveness. These plans include: Incme-Based Repayment, Pay-as-yu-Earn and Public Service Lan Frgiveness. MYTH: If I qualify fr lan frgiveness, my student lan debt will immediately disappear. FACT: Mst brrwers wh qualify fr federal student lan frgiveness still have t pay back a prtin f their debt frm 10 t 25 years wrth after which the remaining balance is frgiven. MYTH: If I dn t qualify fr federal student lan frgiveness, I can just pay smene t arrange it. FACT: This is simply nt true. Any persn r cmpany telling yu therwise is nt being hnest abut what they can ffer. Remember if smething seems t gd t be true, it prbably is.

14 Frgiveness Public Service Lan Frgiveness: This prgram prvides an pprtunity fr yu t get ut f debt within ten years if yu wrk in a public service jb. Yu must meet a specific set f criteria t qualify. Qualificatins: Only Direct Lans are eligible (cnslidatin may be necessary) Must make 120 (10 years) n-time, full scheduled payments Only payments made after Octber 1, 2007 cunt Must be wrking full-time (30 hurs per week) in a qualifying public service rganizatin r nnprfit (THIS MEANS YOU!)

15 Case Study Backgrund: Kim is a prfessr. She is married with a family size f fur. Her adjusted grss incme is $85,000. She has 12 student lans that ttal $101,000 with a mnthly payment f $989. Actins Taken: Cnslidated 12 lans int ne Direct Lan resulting in ne mnthly payment Enrlled in the Incme-Based Repayment Plan Cmpleted the paperwrk t start Public Service Lan Frgiveness Outcmes: New student lan payment: $615 Mnthly savings: $374 Eligible t have mre than $15,990 f federal lans frgiven (nn-taxable)* *Based n current payment amunt and 120 qualified payments

16 Case Study Backgrund: Jane wrks in public service. She is married with a family size f three. Jane s ttal husehld incme is $140,100. She has 5 student lans that ttal $35,777; they are current but Jane wants t knw what ptins she has t pay her lans ASAP. Actins Taken: Evaluated the current affrdability f Jane s student lans Determined if Public Service Lan Frgiveness (PSLF) wuld be beneficial Outcmes: Remain n Standard 10 Year Repayment Current mnthly student lan payment was affrdable Fastest repayment ptin t meet gal Did nt enrll in PSLF N benefit as her lans wuld be paid in full prir t the 10 years

17 Questins? Call r visit TakeChargeAmerica.rg

Loan Repayment Planning Worksheet

Loan Repayment Planning Worksheet Lan Repayment Planning Wrksheet Date: Think f yur federal student lans as yur EDUCATION MORTGAGE. It is the financing yu ve brrwed t make this imprtant investment in yurself. The gd news is that this mrtgage

More information

managing your student loan portfolio

managing your student loan portfolio managing yur student lan prtfli Table f cntents 2 Step 1. Cnsider Yur Payment Optins 4 Step 2. Ask Yurself: Is Lan Cnslidatin Right Fr Me? 5 Step 3. Determine What Lans Are In Yur Prtfli 7 Step 4. Estimate

More information

Understanding Federal Direct Consolidation Loans. 2012 Spring MASFAA Conference

Understanding Federal Direct Consolidation Loans. 2012 Spring MASFAA Conference Understanding Federal Direct Cnslidatin Lans 2012 Spring MASFAA Cnference UNDERSTANDING FEDERAL DIRECT & SPECIAL CONSOLIDATION LOANS Amy M. Mser, Reginal Directr Nelnet Educatin Lan Services 2 Nelnet Educatin

More information

Loan Repayment Planning Worksheet

Loan Repayment Planning Worksheet Lan Repayment Planning Wrksheet Date: Think f yur federal student lans as yur EDUCATION MORTGAGE. It is the financing yu ve brrwed t make this imprtant investment in yurself. The gd news is that this mrtgage

More information

Income-Based Repayment Plan Request Form Instructions

Income-Based Repayment Plan Request Form Instructions Incme-Based Repayment Plan Request Frm Instructins Instructins T apply fr the Incme-Based Repayment plan, cmplete the apprpriate sectins f the fllwing applicatin frm and include all required dcumentatin.

More information

Financial Aid Summary: Get Money for College

Financial Aid Summary: Get Money for College Financial Aid Summary: Get Mney fr Cllege Whether yu're enrlling in cllege fr the first time r returning t schl after a perid f time ff, yu shuld apply fr federal student aid. Federal student aid frm the

More information

Financial Aid Terminology

Financial Aid Terminology Financial Aid Terminlgy ACADEMIC YEAR A perid f at least 30 weeks f instructinal time during which a full-time student is expected t cmplete at least 24 semester r trimester hurs, r at least 36 quarter

More information

If you answered Yes to Item 8 and No to Item 9 in Section 4, provide your most recently filed federal income tax return.* Do not complete Section 5.

If you answered Yes to Item 8 and No to Item 9 in Section 4, provide your most recently filed federal income tax return.* Do not complete Section 5. Enclsed is the Incme-Driven Repayment Plan Request (IDR) frm yu requested. Federal Family Educatin Lan Prgram lans are nly eligible fr the Incme-Based Repayment (IBR) ptin; the ther ptins n this frm are

More information

FTE is defined as an employee who is employed on average at least 30 hours of service per week.

FTE is defined as an employee who is employed on average at least 30 hours of service per week. On March 23, 2010, President Barack Obama signed int law cmprehensive health care refrm legislatin, the Patient Prtectin and Affrdable Care Act (H.R. 3590) passed in the Senate. The Health Care and Educatin

More information

What is an SBA Loan? SBA Loans

What is an SBA Loan? SBA Loans SBA Lans The State Bank is a Preferred SBA (Small Business Administratin) Lender. The State Bank has delegated authrity t underwrite and apprve SBA lans n behalf f the SBA, thereby greatly expediting the

More information

insurers cannot deny coverage for patients with preexisting conditions or because an insured got sick;

insurers cannot deny coverage for patients with preexisting conditions or because an insured got sick; The Affrdable Care Act Health Insurance Respnsibilities f Large, Midsize & Small Emplyers; Buying Insurance n the Individual Health Insurance Marketplace and the Small Business Health Optins Prgram Intrductin:

More information

FundingEdge. Guide to Business Cash Advance & Bank Statement Loan Programs

FundingEdge. Guide to Business Cash Advance & Bank Statement Loan Programs Guide t Business Cash Advance & Bank Statement Lan Prgrams Cash Advances: $2,500 - $1,000,000 Business Bank Statement Lans: $5,000 - $500,000 Canada Cash Advances: $5,000 - $500,000 (must have 9 mnths

More information

ARE YOU INTERESTED IN THE PRIOR LEARNING ASSESSMENT (PLA) PROGRAM?

ARE YOU INTERESTED IN THE PRIOR LEARNING ASSESSMENT (PLA) PROGRAM? ARE YOU INTERESTED IN THE PRIOR LEARNING ASSESSMENT (PLA) PROGRAM? City University f Seattle recgnizes that learning ccurs in many different ways and under varied circumstances. As a result, the University

More information

The Ohio Board of Regents Credit When It s Due process identifies students who

The Ohio Board of Regents Credit When It s Due process identifies students who Credit When It s Due/ Reverse Transfer FAQ fr students Ohi is participating in a natinal grant initiative, Credit When It s Due, designed t implement reverse-transfer, which is a prcess t award assciate

More information

UC Irvine Salary Expense Reduction and Furlough Supplemental FAQs. For Campus, School of Medicine and College of Health Sciences Employees

UC Irvine Salary Expense Reduction and Furlough Supplemental FAQs. For Campus, School of Medicine and College of Health Sciences Employees UC Irvine Salary Expense Reductin and Furlugh Supplemental FAQs Fr Campus, Schl f Medicine and Cllege f Health Sciences Emplyees The UC Office f the President (UCOP) web site is the authritative resurce

More information

Frequently Asked Questions about the Faith A. Fields Nursing Scholarship Loan

Frequently Asked Questions about the Faith A. Fields Nursing Scholarship Loan ARKANSAS STATE BOARD OF NURSING 1123 S. University Avenue, Suite 800, University Twer Building, Little Rck, AR 72204 Phne: (501) 686-2700 Fax: (501) 686-2714 www.arsbn.rg Frequently Asked Questins abut

More information

2012-13. YouthBuild AmeriCorps Program Manual: Education Award

2012-13. YouthBuild AmeriCorps Program Manual: Education Award 2012-13 YuthBuild AmeriCrps Prgram Manual: Educatin Award Table f Cntents The Segal Educatin Award: Basics... 4 The My AmeriCrps System... 5 Using the My AmeriCrps System... 6 The Official Wrd n the Educatin

More information

PUBLIC SERVICE LOAN FORGIVENESS (PSLF): EMPLOYMENT CERTIFICATION FORM

PUBLIC SERVICE LOAN FORGIVENESS (PSLF): EMPLOYMENT CERTIFICATION FORM PUBLIC SERVICE LOAN FORGIVENESS (PSLF): EMPLOYMENT CERTIFICATION FORM OMB N. 1845-0110 Frm Apprved Exp. Date 12/31/2017 William D. Frd Federal Direct Lan (Direct Lan) Prgram WARNING: Any persn wh knwingly

More information

Made Plain S T A N L E Y L O V E T A T E I I I

Made Plain S T A N L E Y L O V E T A T E I I I Made Plain S T A N L E Y L O V E T A T E I I I Cpyright 2015 Stanley Lve Tate III tateesq.cm Made Plain: A simple guide t repaying yur student lans ISBN 13: 978 1511439848 ISBN 10: 151143984X Licensed

More information

Early Childhood Development Services. Early Childhood Education Assistance Program. Terms and Conditions

Early Childhood Development Services. Early Childhood Education Assistance Program. Terms and Conditions Early Childhd Develpment Services Early Childhd Educatin Assistance Prgram Table f Cntents Overview... 2 Prgram Descriptin... 2 Eligibility Criteria... 3 Apprved Early Childhd Training Prgrams... 3 Prgram

More information

VET FEE-HELP Frequently Asked Questions for Students May 2010

VET FEE-HELP Frequently Asked Questions for Students May 2010 Hw d I apply? VET FEE-HELP Frequently Asked Questins fr Students May 2010 If yu are eligible fr VET FEE-HELP assistance and wuld like t btain a VET FEE-HELP lan, yu shuld btain a Request fr VET FEE-HELP

More information

North Carolina Department of Commerce Division of Employment Security

North Carolina Department of Commerce Division of Employment Security Nrth Carlina Department f Cmmerce Divisin f Emplyment Security Pat McCrry, Gvernr Sharn Allred Decker, Secretary Dale R. Flwell, Assistant Secretary May 20, 2013 TO: FROM: SUBJECT: Nrth Carlina Emplyers,

More information

Understanding a new kind of financial assistance. Jessica Dunbar, Individual Market Manager

Understanding a new kind of financial assistance. Jessica Dunbar, Individual Market Manager Understanding a new kind f financial assistance Jessica Dunbar, Individual Market Manager Financial Assistance thrugh Cnnect fr Health Clrad-Agenda Overview f regulatins and streamlining eligibility fr

More information

Title IV Refund Policy (R2T4)

Title IV Refund Policy (R2T4) Title IV Refund Plicy (R2T4) Charter Oak State Cllege s revised Refund Plicy cmplies with the amended 34 CFR Sectin 668.22 f the Higher Educatin Amendment f 1998. This plicy reflects new regulatins that

More information

Your Money: How to manage on AmeriCorps low wages, save money and get out of debt! credit freereport

Your Money: How to manage on AmeriCorps low wages, save money and get out of debt! credit freereport Yur Mney: Hw t manage n AmeriCrps lw wages, save mney and get ut f debt! Presented by: Sarah Yunker-Keppel, Indiana Reading Crps Prgram Directr Facilitatr s Guide If yu are making lw wages (living paycheck

More information

Personal Financial Literacy: An Introduction to Financial Planning

Personal Financial Literacy: An Introduction to Financial Planning Persnal Financial Literacy: An Intrductin t Financial Planning Overview In this intrductry lessn n persnal financial literacy, students will discuss the imprtance f financial planning and the varius steps

More information

Group Term Life Insurance: Table I Straddle Testing and Imputed Income for Dependent Life Insurance

Group Term Life Insurance: Table I Straddle Testing and Imputed Income for Dependent Life Insurance An American Benefits Cnsulting White Paper American Benefits Cnsulting, LLC 99 Park Ave, 25 th Flr New Yrk, NY 10016 212 716-3400 http://www.abcsys.cm Grup Term Life Insurance: Table I Straddle Testing

More information

January 2015 *Benefits Highlights for Medical Center Employees

January 2015 *Benefits Highlights for Medical Center Employees January 2015 *Benefits Highlights fr Medical Center Emplyees Health Insurance Plans A Tricare Supplement plan is ffered t Tricare eligible emplyees: all ther emplyees have t the ptin t enrll in the MUSC

More information

ACA LEARNING SERIES. Impact on Massachusetts & Implementation Activities to Date EMPLOYER SPONSORED INSURANCE AND AFFORDABILITY UNDER THE ACA

ACA LEARNING SERIES. Impact on Massachusetts & Implementation Activities to Date EMPLOYER SPONSORED INSURANCE AND AFFORDABILITY UNDER THE ACA ACA LEARNING SERIES Impact n Massachusetts & Implementatin Activities t Date EMPLOYER SPONSORED INSURANCE AND AFFORDABILITY UNDER THE ACA September 2013 A cllabrative effrt between the Executive Office

More information

Choosing a University Course

Choosing a University Course Chsing a University Curse In Six Easy Steps Develped by Cathlic Cllege Wdnga 2014 Intrductin Steps If yu are reading this dcument, by nw hpefully yu have read thrugh the fllwing resurces: 1. Understand

More information

How much life insurance do I need? Wrong question!

How much life insurance do I need? Wrong question! Hw much life insurance d I need? Wrng questin! We are ften asked this questin r sme variatin f it. We believe it is NOT the right questin t ask. What yu REALLY need is mney, cash. S the questin shuld be

More information

To discuss Chapter 13 bankruptcy questions with our bankruptcy attorney, please call us or fill out a Free Evaluation form on our website.

To discuss Chapter 13 bankruptcy questions with our bankruptcy attorney, please call us or fill out a Free Evaluation form on our website. Intrductin This Ebk fcuses n Chapter 13 bankruptcy, hw it wrks, and hw it helps yu eliminate debt and keep yur assets (such as yur hme). We hpe yu find this infrmatin t be helpful. T discuss Chapter 13

More information

What Happens To My Benefits If I Get a Bunch of Money? TANF Here is what happens if you are on the TANF program when you get lump-sum income:

What Happens To My Benefits If I Get a Bunch of Money? TANF Here is what happens if you are on the TANF program when you get lump-sum income: 126 Sewall Street Augusta, Maine 04330-6822 TTY/Vice: (207) 626-7058 Fax: (207) 621-8148 www.mejp.rg What Happens T My Benefits If I Get a Bunch f Mney? Each prgram, (TANF, SSI, MaineCare, etc.) has its

More information

Dear Georgia Tech Retiree,

Dear Georgia Tech Retiree, Dear Gergia Tech Retiree, Open Enrllment is the ne pprtunity yu have each year t make changes t yur existing benefit cverage. The 2015 benefits Open Enrllment perid will be held Nvember 3, 2014 thrugh

More information

#1 Answer: It can save parents THOUSANDS of dollars.

#1 Answer: It can save parents THOUSANDS of dollars. What is Running Start? Running Start is a prgram that allws Washingtn State 11th and 12th grade students t take cllege curses at cmmunity and technical clleges. Students earn bth high schl and cllege credits

More information

UBC Restricted Faculty Second Mortgage Loan Program Description of Key Terms

UBC Restricted Faculty Second Mortgage Loan Program Description of Key Terms UBC Restricted Faculty Secnd Mrtgage Lan Prgram Descriptin f Key Terms Updated February 4, 2014 The Restricted Resale Capped Appreciatin Prgram is ne f tw ptins in UBC s Hme Ownership Prgram intended t

More information

STEP 1- CENTRELINK INTRODUCTION. If you are eligible for a Centrelink benefit such as Youth Allowance, you will automatically receive the

STEP 1- CENTRELINK INTRODUCTION. If you are eligible for a Centrelink benefit such as Youth Allowance, you will automatically receive the Develped by Sandie McKy, Cathlic Cllege Wdnga, 2012 INTRODUCTION STEP 1- CENTRELINK Each year, millins f dllars in schlarships are given t students by varius rganizatins such as tertiary institutins, Gvernment,

More information

PA 8: Affordability and Access

PA 8: Affordability and Access PA 8: Affrdability and Access 4 pints available A. Credit Ratinale This credit recgnizes institutins that are implementing strategies t imprve their accessibility and affrdability. Achieving a cllege degree

More information

The Family Cost Share system is designed so families with the ability to pay will share in the cost of services.

The Family Cost Share system is designed so families with the ability to pay will share in the cost of services. Paying fr Early Childhd Interventin Services What is ECI? Texas Early Childhd Interventin (ECI) prgrams serve families with children birth t 36 mnths with develpmental delays r disabilities. ECI prvides

More information

Making Home Affordable Program Update

Making Home Affordable Program Update Making Hme Affrdable Prgram Update On February 18, the Obama Administratin annunced the Making Hme Affrdable (MHA) Prgram, a cmprehensive plan t stabilize the U.S. husing market. As prmised, tw weeks later

More information

RI Student Loan Authority

RI Student Loan Authority RI Student Lan Authrity Executive Summary f Strategic Plan Apprved by RISLA Bard f Directrs Octber 17, 2014 Missin Statement: Cnsistent with the authrity granted by the General Assembly f the State f Rhde

More information

SBA 504 Financing. Long Term Asset Financing Made Possible. Glen Heller, Relationship Manager Nancy Sheridan, Specialty Finance Officer

SBA 504 Financing. Long Term Asset Financing Made Possible. Glen Heller, Relationship Manager Nancy Sheridan, Specialty Finance Officer SBA 504 Financing Lng Term Asset Financing Made Pssible Glen Heller, Relatinship Manager Nancy Sheridan, Specialty Finance Officer These prpsals are cntingent upn final Chase Bank review and apprval frm

More information

Taking All the Credit: Tax Credits That Could Give Your Family a Break

Taking All the Credit: Tax Credits That Could Give Your Family a Break Taking All the Credit: Tax Credits That Culd Give Yur Family a Break Vlume 26 Tax seasn is here again! D yu fear ding yur taxes r feel that it is a chre? It desn't have t be scary r take a lt f wrk. If

More information

Here are some simple guidelines to follow for making wise investments:

Here are some simple guidelines to follow for making wise investments: FAQ - Investment 1. What affects the value f mney? Mney has a tendency t lse its value ver time because the price f gds and services has an upward tendency. This is called inflatin. Here are sme factrs

More information

Improved ADP and ACP Safe Harbor Plan Designs

Improved ADP and ACP Safe Harbor Plan Designs Imprtant Infrmatin Plan Administratin and Operatin April 2000* Imprved ADP and ACP Safe Harbr Plan Designs WHO'S AFFECTED This infrmatin applies t defined cntributin plans with a 401(k) feature r emplyer

More information

COMMONLY ASKED INTERVIEW QUESTIONS & STRATEGIES TO ANSWER THEM

COMMONLY ASKED INTERVIEW QUESTIONS & STRATEGIES TO ANSWER THEM COMMONLY ASKED INTERVIEW QUESTIONS & STRATEGIES TO ANSWER THEM Office f Career & Prfessinal Develpment 2014, UC Hastings Cllege f the Law The fllwing are examples f the mst cmmn interview questins. Speak

More information

on your great performance on the PSAT/NMSQT, Lucy

on your great performance on the PSAT/NMSQT, Lucy CONGRATULATIONS n yur great perfrmance n the PSAT/NMSQT, Lucy We knw there s a lt t cnsider when chsing a cllege this brchure will help yu get started. It s full f everything yu need t keep the mmentum

More information

Information Guide Booklet. Home Loans

Information Guide Booklet. Home Loans Infrmatin Guide Bklet Hme Lans This Infrmatin Guide bklet prvides yu with general infrmatin nly. It will als help yu t better understand any recmmendatins we have made fr yu. Infrmatin Guide Hme Lans January

More information

KEY. General Education Requirement. Degree Requirements

KEY. General Education Requirement. Degree Requirements MAJOR ROADMAP Special Educatin, B.S. Catalg Year: 2014-15 This radmap is a suggested semester-by-semester planning guide fr this majr. It is a mdel fur-year plan, nt a guaranteed sequence r cntract. Curse

More information

Life Maker Pension Plan

Life Maker Pension Plan COVER PAGE Life Maker Pensin Plan IN THIS POLICY, THE INVESTMENT RISK IN INVESTMENT PORTFOLIO IS BORNE BY THE POLICYHOLDER. A pensin plan that helps yu plan yur secnd innings. INSIDE PAGES The Life Maker

More information

Three Types of Optional Practical Training (OPT)

Three Types of Optional Practical Training (OPT) 203B 1700 Nrth Brad Street (062 57) Philadelphia, PA 19122 3429 phne: 215 204 7708 fax 215 204 6166 email isss@temple.edu web www.temple.edu/isss Three Types f Optinal Practical Training (OPT) Pre-Cmpletin

More information

Health Care Reform: The New Law

Health Care Reform: The New Law Health Care Refrm: The New Law Prfessr Sidney D. Watsn April 7, 2010 On March 23, 2010 President Obama signed int law the Patient Prtectin and Affrdable Care Act (H.R. 3590). On March 29, the President

More information

What payments will I need to make during the construction phase? Will the lender advance construction funds prior to the work being completed?

What payments will I need to make during the construction phase? Will the lender advance construction funds prior to the work being completed? Q&A What is a cnstructin lan? A cnstructin lan prvides the financing fr the cnstructin f yur new hme. Cnstructin lans may be structured as a single r tw-settlement transactin. Cnstructin lans culd include

More information

2015-16 Independent Verification Worksheet for HSC Students

2015-16 Independent Verification Worksheet for HSC Students 15IVHP 2015-16 Independent Verificatin Wrksheet fr HSC Students Yur applicatin was selected fr review in a prcess called verificatin. In this prcess, Temple University will be cmparing infrmatin frm yur

More information

Refinancing Section 95 & 61 co-ops CHF Canada s Refinancing Program

Refinancing Section 95 & 61 co-ops CHF Canada s Refinancing Program Refinancing Sectin 95 & 61 c-ps CHF Canada s Refinancing Prgram Lndn Educatin Event 2015 0 CHF Canada s Refinancing Prgram Intrductins Sectin 95 & Sectin 61 Purpse f the Refinancing Prgram Hw the new mrtgage

More information

Special Tax Notice Regarding 403(b) (TSA) Distributions

Special Tax Notice Regarding 403(b) (TSA) Distributions Special Tax Ntice Regarding 403(b) (TSA) Distributins P.O. Bx 7893 Madisn, WI 53707-7893 1-800-279-4030 Fax: (608) 237-2529 The IRS requires us t prvide yu with a cpy f the Explanatin f Direct Rllver,

More information

Fixed vs. Variable Interest Rates

Fixed vs. Variable Interest Rates Fixed vs. Variable Interest Rates Understanding the Advantages and Disadvantages f Each Rate Type When shpping fr financial prducts, there are a lt f factrs t cnsider. Much has changed in the financial

More information

SCHOLARSHIP APPLICATION

SCHOLARSHIP APPLICATION Assciatin f State Dam Safety Officials UNDERGRADUATE SCHOLARSHIP APPLICATION SUBMIT APPLICATION AND ATTACHMENTS POSTMARKED BY MARCH 31, 2016 TO: Assciatin f State Dam Safety Officials 239 S. Limestne Lexingtn,

More information

2015-16. Online Financial Aid Orientation. Pima Community College Financial Aid Office. Notes: Slide 1:

2015-16. Online Financial Aid Orientation. Pima Community College Financial Aid Office. Notes: Slide 1: Slide 1: 2015-16 Online Financial Aid Orientatin Pima Cmmunity Cllege Financial Aid Office Welcme t Pima Cmmunity Cllege and thank yu fr cmpleting the nline Financial Aid Orientatin. Slide 2: Orientatin

More information

Northern Illinois University McHenry County College Transfer Guide Early Childhood Education (2015-2016 Catalog)

Northern Illinois University McHenry County College Transfer Guide Early Childhood Education (2015-2016 Catalog) Nrthern Illinis University Transfer Guide Early Childhd Educatin (2015-2016 Catalg) Department f Special & Early Childhd Educatin Schl f Family, Cnsumer, and Nutritin Sciences Nrthern Illinis University

More information

CONTENTS UNDERSTANDING PPACA. Implications of PPACA Relative to Student Athletes. Institution Level Discussion/Decisions.

CONTENTS UNDERSTANDING PPACA. Implications of PPACA Relative to Student Athletes. Institution Level Discussion/Decisions. This dcument is intended t prvide NCAA member institutins with an infrmatinal guide regarding the ptential implicatins f the Patient Prtectin and Affrdable Care Act f 2010 (PPACA) when fully implemented

More information

CLEARANCE REVIEWS FOR STUDENT RESTRICTION ISSUES OTHER THAN ACADEMIC PROGRESS

CLEARANCE REVIEWS FOR STUDENT RESTRICTION ISSUES OTHER THAN ACADEMIC PROGRESS CLEARANCE REVIEWS FOR STUDENT RESTRICTION ISSUES OTHER THAN ACADEMIC PROGRESS Only the Ministry f Training, Clleges & Universities can cnsider clearance reviews fr mst ther student restrictin issues. These

More information

Budget Workbook. $ Live within your income. $ Realize personal more effectively. $ Develop economic competence and confidence goals

Budget Workbook. $ Live within your income. $ Realize personal more effectively. $ Develop economic competence and confidence goals Budget Wrkbk This budget wrkbk was cmpiled t help yu find a simple and practical guide fr managing yur mney. Mney management abilities can have a great effect n the degree f satisfactin we gain frm life.

More information

Sonny s Franchise Company 201 North New York Avenue 3rd floor Winter Park, FL 32789

Sonny s Franchise Company 201 North New York Avenue 3rd floor Winter Park, FL 32789 Snny s Franchise Cmpany 201 Nrth New Yrk Avenue 3rd flr Winter Park, FL 32789 Phne: (407) 660-8888 Fax: (407) 660-1285 Email: sates@snnysbbq.cm Name Address PRELIMINARY FRANCHISE APPLICATION Befre filling

More information

NAVIPLAN PREMIUM LEARNING GUIDE. Analyze, compare, and present insurance scenarios

NAVIPLAN PREMIUM LEARNING GUIDE. Analyze, compare, and present insurance scenarios NAVIPLAN PREMIUM LEARNING GUIDE Analyze, cmpare, and present insurance scenaris Cntents Analyze, cmpare, and present insurance scenaris 1 Learning bjectives 1 NaviPlan planning stages 1 Client case 2 Analyze

More information

President Obama and Secretary Geithner Announce Plans to Unlock Credit for Small Businesses

President Obama and Secretary Geithner Announce Plans to Unlock Credit for Small Businesses THE WHITE HOUSE Office f the Press Secretary FOR IMMEDIATE RELEASE March 16, 2009 President Obama and Secretary Geithner Annunce Plans t Unlck Credit fr Small Businesses Emphasizes Recvery Effrts Already

More information

Blizzard Ball: Snowballs versus Avalanches

Blizzard Ball: Snowballs versus Avalanches Blizzard Ball: Snwballs versus Avalanches Blizzard Ball is a fun, active way t review the key cncepts f and debt cvered in Katrina s Classrm Lessn 3, A Fresh Start. The activity allws players t strategize

More information

I. POLICY. their individual assets.

I. POLICY. their individual assets. PRINCIPLES AND PRACTICES BOARD SAMPLE 501(c)(3) HOSPITAL CHARITY CARE AND FINANCIAL ASSISTANCE POLICY AND PROCEDURES The Principles and Practices Bard (P&P Bard) undertk develping an illustrative plicy

More information

About the Staples PTA Discount Program

About the Staples PTA Discount Program Abut the Staples PTA Discunt Prgram At-A-Glance: What PTA Members get frm Staples Discunts fr individual PTA members and PTA units 10% instant discunt ff supplies (see exclusins belw in the Terms & Cnditins)

More information

The Dodd-Frank ACT lowered Points and Fees Thresholds for Section 32 and Qualified Mortgages.

The Dodd-Frank ACT lowered Points and Fees Thresholds for Section 32 and Qualified Mortgages. Whlesale Brker Acknwledgment & Electin Frm Pints and Fees fr Sectin 32 and QM and Lan Originatr Cmpensatin Sectin 32 s new expanded scpe f lans: The CFPB s 2013 HOEPA Rule expands the types f residential

More information

CHECKING ACCOUNTS AND ATM TRANSACTIONS

CHECKING ACCOUNTS AND ATM TRANSACTIONS 1 Grades 6-8 Lessn 1 CHECKING ACCOUNTS AND ATM TRANSACTIONS Tpic t Teach: This lessn is intended fr middle schl students in sixth thrugh eighth grades during a frty minute time perid. The lessn teaches

More information

R o t h IRAs : How They W o r k and How to Use Them

R o t h IRAs : How They W o r k and How to Use Them R t h IRAs : Hw They W r k and Hw t Use Them Rth IRAs differ frm ther tax-favred retirement plans, including ther IRAs (called "traditinal IRAs"), in that they prmise cmplete tax exemptin n distributin.

More information

October 14, 2015. Cara Fitzpatrick, Michael LaForgia. and Adam Playford. Tampa Bay Times. 490 First Avenue South. St. Petersburg, FL 33701

October 14, 2015. Cara Fitzpatrick, Michael LaForgia. and Adam Playford. Tampa Bay Times. 490 First Avenue South. St. Petersburg, FL 33701 Octber 14, 2015 Cara Fitzpatrick, Michael LaFrgia and Adam Playfrd Tampa Bay Times 490 First Avenue Suth St. Petersburg, FL 33701 Cara, Michael and Adam, In fllw up t ur phne call, this letter prvides

More information

STUDENT NURSES ASSOCIATION OF ILLINOIS

STUDENT NURSES ASSOCIATION OF ILLINOIS STUDENT NURSES ASSOCIATION OF ILLINOIS AWARDS PACKET 2015 SNAI AWARD INFORMATION Cmmunity Service Award An award will be presented t the schl with the mst utstanding cmmunity health prject. Other successful

More information

INVESTOR PREFERENCES IN SELECTING A FINANCIAL ADVISOR. December 1, 2014

INVESTOR PREFERENCES IN SELECTING A FINANCIAL ADVISOR. December 1, 2014 INVESTOR PREFERENCES IN SELECTING A FINANCIAL ADVISOR December 1, 2014 1 Table f Cntents Page Objectives & Methdlgy. 3 Executive Summary 4 Detailed Findings... 6 Questinnaire. 14 2 Objectives & Methdlgy

More information

STUDIO DESIGNER. Accounting 3 Participant

STUDIO DESIGNER. Accounting 3 Participant Accunting 3 Participant Thank yu fr enrlling in Accunting 3 fr Studi Designer and Studi Shwrm. Please feel free t ask questins as they arise. If we start running shrt n time, we may hld ff n sme f them

More information

Access EEC s Web Applications... 2 View Messages from EEC... 3 Sign In as a Returning User... 3

Access EEC s Web Applications... 2 View Messages from EEC... 3 Sign In as a Returning User... 3 EEC Single Sign In (SSI) Applicatin The EEC Single Sign In (SSI) Single Sign In (SSI) is the secure, nline applicatin that cntrls access t all f the Department f Early Educatin and Care (EEC) web applicatins.

More information

Health Care Reform Patient Protection Affordable Care Act (PPACA) Overview Key Principles

Health Care Reform Patient Protection Affordable Care Act (PPACA) Overview Key Principles Health Care Refrm Patient Prtectin Affrdable Care Act (PPACA) Overview Key Principles DESCRIPTION: Healthcare Refrm/Patient Prtectin & Affrdable Care Act (PPACA) were passed int law March 23. 2010. Hwever,

More information

Annuities and Senior Citizens

Annuities and Senior Citizens Illinis Insurance Facts Illinis Department f Insurance January 2010 Annuities and Senir Citizens Nte: This infrmatin was develped t prvide cnsumers with general infrmatin and guidance abut insurance cverages

More information

A Guide to Buying Foreclosures

A Guide to Buying Foreclosures A Guide t Buying Freclsures Use this step by step guide t better understand the freclsure market and the prcess invlved in purchasing these prperties. 9 Steps t help yu buy a freclsure. A Guide t Buying

More information

SEMA Memorial Scholarship Fund Scholarship & Loan Forgiveness Programs

SEMA Memorial Scholarship Fund Scholarship & Loan Forgiveness Programs SEMA Memrial Schlarship Fund Schlarship & Lan Frgiveness Prgrams SCHOLARSHIP PROGRAM FREQUENTLY ASKED QUESTIONS Schlarship Prgram T be eligible fr this award, yu must: be a U.S. citizen enrlled in a full-time

More information

The Millionaire Real Estate Agent (MREA) Book Club Guide

The Millionaire Real Estate Agent (MREA) Book Club Guide The Millinaire Real Estate Agent (MREA) Bk Club Guide An MREA bk club is a great way fr agents t strengthen their skills and understanding f The Millinaire Real Estate Agent in a mastermind-type envirnment.

More information

Frequently Asked Questions

Frequently Asked Questions Frequently Asked Questins What is the Cncurrent Credit Prgram? The Cncurrent Credit Prgram is a partnership between Lenawee Christian Schl and lcal clleges that seek t empwer high schl students tward academic

More information

Introduction to the Community Reinvestment Act Housing Action Illinois 2015 Housing Matters! Conference

Introduction to the Community Reinvestment Act Housing Action Illinois 2015 Housing Matters! Conference Intrductin t the Cmmunity Reinvestment Act Husing Actin Illinis 2015 Husing Matters! Cnference Nvember 5, 2015 Develping Bank Partnerships Bank Mtives fr Partnerships: l Welfare f the cmmunity and the

More information

IPA Putting Better Regulation into Practice

IPA Putting Better Regulation into Practice Revised Versin April 2009 IPA Putting Better Regulatin int Practice Dealing with Debt A Basic Guide t Alternative Ways f Reslving Debt Prblems If yu have debt prblems, there are a number f pssible alternatives

More information

Graduate school Guide

Graduate school Guide Graduate schl Guide Chsing a Field, Applying t Schls, Actin Plans The Best Way t Prepare fr Graduate Schl! Radfrd University Career Center (540) 831-5373 www.radfrd.edu/careers Intrductin After fur (r

More information

Texas Education Data Standards (TEDS) Public Education Information Management System (PEIMS) Appendix 8.A PEIMS Data Overview

Texas Education Data Standards (TEDS) Public Education Information Management System (PEIMS) Appendix 8.A PEIMS Data Overview Texas Educatin Data Standards (TEDS) Public Educatin Infrmatin Management System (PEIMS) Appendix 8.A PEIMS Data Overview Preliminary Versin 2017.P.1.0 Dec. 1, 2015 Prepared by: State Educatin Data Systems

More information

PLANNING FOR QUALITY CARE AND INDEPENDENCE. Why you need to plan for long-term care assistance, and what funding options are available.

PLANNING FOR QUALITY CARE AND INDEPENDENCE. Why you need to plan for long-term care assistance, and what funding options are available. PLANNING FOR QUALITY CARE AND INDEPENDENCE Why yu need t plan fr lng-term care assistance, and what funding ptins are available. PLANNING FOR QUALITY CARE AND INDEPENDENCE The value f planning ahead The

More information

NCAA Two-Year College Transfer Educational Session

NCAA Two-Year College Transfer Educational Session NCAA Tw-Year Cllege Transfer Educatinal Sessin NCAA Staff Susan Britsch Andy Cardamne Shauna Cbb Quintin Wright 1 Agenda 1. Review data n tw-year transfer perfrmance at fur-year institutins. 2. Review

More information

2. Visit the Admissions section of the TCC website http://www.tcc.edu/students/admissions/. Follow steps #1-3.

2. Visit the Admissions section of the TCC website http://www.tcc.edu/students/admissions/. Follow steps #1-3. Dear Early Childcare Educatr, We are pleased t infrm yu that GrwSmart is nw accepting applicatins fr teacher schlarships fr the upcming semester. Please share the fllwing infrmatin with yur clleagues and

More information

Hartford Seminary s. Online Application Instructions

Hartford Seminary s. Online Application Instructions Hartfrd Seminary s Online Applicatin Instructins Hartfrd Seminary is pleased t annunce that nline applicatin is nw pssible fr mst f ur prgrams as fllws: Dctr f Ministry: Use nline applicatin Master f Arts:

More information

What Does Specialty Own Occupation Really Mean?

What Does Specialty Own Occupation Really Mean? What Des Specialty Own Occupatin Really Mean? Plicy definitins are cnfusing, nt nly t cnsumers but als t many f the insurance prfessinals wh sell them. Belw we will try t prvide an understandable explanatin

More information

Rural Development Rural Housing Programs

Rural Development Rural Housing Programs Rural Develpment Rural Husing Prgrams Lindsey Keyes GRH Prgram Crdinatr SFH Prgrams Sectin 502: Guaranteed Rural Husing Sectin 502: Direct Rural Husing Sectin 504: Hme Repair Lans Sectin 538: Guaranteed

More information

2014-2015 FINANCIAL AID AWARD AND DISBURSEMENT GUIDE

2014-2015 FINANCIAL AID AWARD AND DISBURSEMENT GUIDE 2014-2015 FINANCIAL AID AWARD AND DISBURSEMENT GUIDE Financial Aid Services 1200 W. Internatinal Speedway Blvd. Wetherell, Rm 104 Daytna Beach, FL 32114 386-506-3015 / FAX 386-506-4442 Email: financialaid@daytnastate.edu

More information

Segal AmeriCorps Education Award Frequently Asked Questions

Segal AmeriCorps Education Award Frequently Asked Questions Segal AmeriCrps Educatin Award Frequently Asked Questins The Natinal Service Trust is a fund established by the Natinal and Cmmunity Service Act f 1993. It is used t pay fr AmeriCrps Educatin Awards and

More information

OPTIONAL PRACTICAL TRAINING INFORMATION

OPTIONAL PRACTICAL TRAINING INFORMATION Internatinal Services Office OPTIONAL PRACTICAL TRAINING INFORMATION Internatinal students, with an F-1 visa, wh have been lawfully enrlled full-time fr at least ne academic year and maintaining status

More information

THE MAKE IT WORK CAMPAIGN S POLICY PROPOSAL ON CAREGIVING: CHILD CARE, EARLY EDUCATION, AFTER SCHOOL CARE AND LONG-TERM CARE

THE MAKE IT WORK CAMPAIGN S POLICY PROPOSAL ON CAREGIVING: CHILD CARE, EARLY EDUCATION, AFTER SCHOOL CARE AND LONG-TERM CARE THE MAKE IT WORK CAMPAIGN S POLICY PROPOSAL ON CAREGIVING: CHILD CARE, EARLY EDUCATION, AFTER SCHOOL CARE AND LONG-TERM CARE POLICY PROPOSAL ON CHILD CARE, EARLY EDUCATION, AFTER SCHOOL CARE As child care

More information

International University of Japan 2015 IUJ Scholarship Guidelines: PhD Programs For Non-Japanese Applicants

International University of Japan 2015 IUJ Scholarship Guidelines: PhD Programs For Non-Japanese Applicants Internatinal University f Japan 2015 IUJ Schlarship Guidelines: PhD Prgrams Fr n-japanese Applicants In This Guide... List f Available Schlarships thrugh IUJ and Other Institutins, and Hw t Apply Categry

More information

making good practices great Customer Journey 100

making good practices great Customer Journey 100 making gd practices great Custmer Jurney 100 This questinnaire is designed t help yu review the service yu ffer t yur Custmers, recgnise what yu are already ding really well and identify areas fr imprvement.

More information