managing your student loan portfolio

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "managing your student loan portfolio"

Transcription

1 managing yur student lan prtfli

2 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 Yur New Mnthly Payment 10 Step 5. Find Out The Terms Of Yur New Cnslidatin Lan 11 Step 6. Cmplete The Paperwrk Wrksheets: 6 Wrksheet 1. What Is In My Prtfli? 7 Wrksheet 2. Determine Yur Maximum Repayment Length 9 Wrksheet 3. Calculating My Interest Rate Charts: 8 FFEL Cnslidatin Lan Repayment Chart 13 Advantages And Cnsideratins Of Student Lan Cnslidatin Managing Yur Student Lan Prtfli Tday s student brrwer may have Direct, FFEL Prgram, Perkins, r private student lans in additin t cnsumer lans such as aut r mrtgage. Successfully managing yur lan prtfli depends n the type f student lans yu have, when yu tk ut yur lans, their interest rates and amunts. Yu shuld als cnsider the type f payment that fits yur current financial situatin and yur savings gals during repayment. Yu may prefer t lwer yur mnthly payment due t budget cncerns, pay ff higher-interest debt first r shift payments t pay ff ther lan types (such as private). Lan cnslidatin is nly ne f yur ptins. Eligible lans fr lan cnslidatin include Staffrd, PLUS, Perkins, federally guaranteed Cnslidatin, and health prfessins lans. Managing Yur Student Lan Prtfli 1

3 Step 1 Cnsider Yur Payment Optins Depending n what yu plan t accmplish, there may be a repayment ptin t help yu meet yur financial gals. Let s take a clser lk. Need a lwer mnthly payment? Yur current lender may ffer repayment ptins that can meet yur needs. Temprarily struggling t keep up with yur lan payments? Cnsider a deferment r frbearance that allws yu t pstpne r reduce yur mnthly payment. Juggling t many payments with ne lender? Ask abut lan cmbinatin r serializatin. If all yur lans are with ne lender, they may be cmbined t simplify repayment. Nt nly will yu receive a single statement each mnth, but yur payment is likely t be lwer than if yu were paying each lan separately. Simply juggling t many lans? Ask yur lender t purchase the lans yu have with ther lenders s that yu can take advantage f lan serializatin. What are my repayment ptins? There are five repayment plans fr paying back yur lan: standard, graduated, incme-based, incme-sensitive and extended. Yu may change yur plan at least nce a year by cntacting yur lender. Typically, yu ll be prvided the standard repayment plan unless yu request therwise. The standard plan allws yu t pay the same amunt each mnth at least $50 r the interest that has accrued with up t 10 years t repay. Example: A subsidized Staffrd lan repaid at 6.8 percent interest, assuming a standard repayment plan f, r payments. Lan Amunt Mnthly Payment Ttal Paid (Lan + Interest) $10,000 $115 $13,812 $50,000 $575 $69,060 The graduated plan calls fr yur payments t start ut lw and increase ver time, with up t 10 years t pay. There are tw ptins. Under the first, yur payments are interest nly the first tw years, fllwed by larger payments in years three thrugh 10. The secnd ptin allws fur years f interestnly payments, fllwed by larger payments in years five thrugh 10. Example: A subsidized Staffrd lan repaid at 6.8 percent interest, assuming a tw-year graduated repayment plan f. Lan Amunt Beginning Mnthly Payment Years 1-2 Ending Mnthly Payment Years 3-10 Ttal Paid (Lan + Interest) $10,000 $57 $135 $14,350 $50,000 $283 $677 $71,748 2 Managing Yur Student Lan Prtfli

4 The incme-based plan is a new ptin beginning July 1, Payments are 15 percent f yur discretinary incme (yur taxable incme minus 150 percent f the pverty level). Payments can be as lw as $0 and unpaid interest may be subsidized by the gvernment fr up t three years. Any remaining debt after 25 years f qualifying payments will be frgiven and cnsidered taxable incme. Example: A subsidized Staffrd lan repaid at 6.8 percent interest, assuming ne dependent. Lan Amunt 1st Year AGI 1st Year Mnthly Payment 2nd Year AGI 2nd Year Mnthly Payment $10,000 $28,000 $77 $35,000 $164 $50,000 $28,000 $77 $35,000 $164 T determine yur mnthly payment, visit The incme-sensitive plan bases yur payments n a percentage f yur grss mnthly incme and the amunt yu brrwed, but they must cver at least the interest due. Repayment terms will vary based n the percentage yu request, yur incme and the lan amunt. Example: A subsidized Staffrd lan repaid at 6.8 percent interest, assuming yu requested the mnthly payment be based n 4 percent f yur grss mnthly incme. Lan Amunt Grss Mnthly Incme Mnthly Payment First five years interest nly Remaining Ttal Paid (Lan + Interest) $10,000 $1,250 $57 $115 $17,214 $50,000 $4,000 $283 $575 $86,070 The extended plan is fr new brrwers (thse wh had n utstanding FFEL lans as f Octber 7, 1998, r thse wh had n utstanding FFEL lans when they acquired new FFEL lans after Octber 7, 1998) wh have mre than $30,000 in utstanding lans. The payments can be fixed r graduated, with a repayment term f up t 25 years. Example: A subsidized Staffrd lan repaid at 6.8 percent interest, assuming an extended repayment plan f 25 years, r 300 fixed mnthly payments. Lan Amunt Mnthly Payment Years in Payment Ttal Paid (Lan + Interest) $50,000 $ $104,100 Managing Yur Student Lan Prtfli 3

5 Step 2 Ask Yurself: Is Lan Cnslidatin Right fr Me? Cnslidatin lans are nt fr everyne. Advantages and disadvantages depend n the type f lan, the lan amunt, interest rates, disbursement dates and repayment incentives. Yu ll als need t cnsider the varius lan prvisins, including interest subsidy, deferment, frbearance, frgiveness and cancellatin. Use the handy chart n page 13 t help yu weigh the prs and cns. Wh is eligible fr lan cnslidatin? T be eligible fr lan cnslidatin under the FFEL Prgram, yu must already be in repayment n each lan yu have chsen t cnslidate. When yu sign yur Cnslidatin lan applicatin, yu ll be agreeing t new terms and cnditins. If yu re in default, yu must have made satisfactry repayment arrangements r have agreed t repay the cnslidating lender under an incme-sensitive repayment plan. Als, yu cannt be enrlled in cllege, r if yu are, nly less than half time. If I have a Direct lan, can I apply fr a FFEL Cnslidatin lan? Mst lenders allw Direct lans t be cmbined with FFEL lans. Typically, the lender requires that yu have at least ne FFEL lan with them, althugh there are sme lenders wh may cnslidate yur Direct lans even if yu have n FFEL lans. Is there a minimum amunt t cnslidate? Lenders may require a minimum lan amunt t create a new Cnslidatin lan; this amunt will vary by lender. 4 Managing Yur Student Lan Prtfli

6 Step 3 Determine What Lans Are In Yur Prtfli Mst federal lans are eligible fr FFEL Prgram cnslidatin, including: Subsidized Staffrd Lans Unsubsidized Staffrd Lans Cnslidatin Lans plus Lans Perkins Lans Health Prfessins Student Lans Health Educatin Assistance Lans (heal) Lans fr Disadvantaged Students William D. Frd Federal Direct Lans Private lans frm banks, clleges r family members cannt be cnslidated. Alternative lan cnslidatin ptins are available thrugh private lenders but may nt include the same benefits r repayment ptins as federal Cnslidatin lans. (If yu have heal lans, yu may wish t cnsider refinancing rather than cnslidating them. T learn mre, visit the U.S. Department f Health and Human Services Web site at What if I m in default? Even delinquent and defaulted lans can be cnslidated. T qualify, yu must be in repayment n yur defaulted lan (typically, with three cnsecutive, vluntary, n-time, full mnthly payments already made), r agree t repay yur new Cnslidatin lan under the incme-sensitive repayment plan. If yu have a curt judgment n yur federal student lan debt, yu cannt cnslidate yur lans. Hw d I find ut which lans I can cnslidate? T help yu determine which f yur lans are eligible fr cnslidatin and what yur mnthly payment and interest rate wuld be, simply cmplete Wrksheet 1 n page 6. If yu need infrmatin n yur lans, yu can access the Natinal Student Lan Data System, the U.S Department f Educatin s central database fr all federal student aid recrds. (Keep in mind that any private lans will nt be listed here, nr will heal and ther Health Prfessins lans, but yu will still want t include them n the wrksheet under ineligible lans.) Here s hw t access yur federal lan infrmatin: 1. Apply fr a persnal identificatin number, r pin, frm the U.S. Department f Educatin, if yu dn t already have ne. G t Yu ll receive yur pin in a matter f days. 2. G t after receiving yur pin and click n the Financial Aid Review buttn. Yu ll need t prvide yur Scial Security number, the first tw letters f yur last name, yur date f birth and yur pin. 3. Review yur student lan infrmatin. Yu ll see a listing f yur federal student lans with the amunts, dates f riginatin and utstanding balances. T view detailed infrmatin abut each lan, including the interest rate, click n the number next t each lan. Will I nly have ne Cnslidatin lan? If yu wish t cnslidate bth subsidized and unsubsidized educatin lans, yur lender will create tw new Cnslidatin lans in yur name ne fr each type f lan. Lenders are required t track these lans separately, but will cmbine bth lans fr billing purpses; therefre, yu will nly make ne mnthly payment. If I already have a Cnslidatin lan, can I re-cnslidate? In limited circumstances. Yu may re-cnslidate yur Cnslidatin lan under the ffel Prgram if yu have at least ne ther eligible lan in repayment t cnslidate. It may be a new lan r a lan that was nt included in yur first cnslidatin. Managing Yur Student Lan Prtfli 5

7 wrksheet 1 What Is In My Prtfli? Fr a mre accurate estimate f yur repayment term length, yu must list all f yur student lans regardless f whether yu plan t cnslidate them. (This includes lans that are nt eligible fr cnslidatin.) Eligible Lans Lan Type Lender Name Outstanding Balance Interest Rate Cnslidate? Yes/N Benefits** Lan 1 Sub MyLender, One Hundred, CA $2, Yes DF Lan 2 Lan 3 Lan 4 Lan 5 Lan 6 Lan 7 Lan 8 Lan 9 Lan 10 Lan 11 Lan 12 Lan 13 Lan 14 Lan 15 Ineligible Lans* Lan 1 Lan 2 Lan 3 Lan 4 Lan 5 Lan 6 Lan 7 Lan 8 Lan 9 Lan 10 PLUS Lans Lan 1 Lan 2 Lan 3 Lan 4 Lan 5 * Be sure t include private and ther nn-federally guaranteed educatin lans. ** Deferment (DA), frbearance (FB), interest rate reductin and thers. Keep this wrksheet fr yur recrds. 6 Managing Yur Student Lan Prtfli

8 Step 4 Estimate Yur New Mnthly Payment When yu cnslidate yur lans, yur new payment will depend n the amunt being cnslidated, the length f the repayment term, the interest rate f the Cnslidatin lan and the repayment plan yu select. What repayment plan ptins will I have? Under ffel Prgram cnslidatin, yu will have the same repayment plan ptins yu did befre cnslidating: standard, graduated, incme-based, incme-sensitive and extended. Hw lng will I have t repay my lan? Yur repayment term is based n yur ttal student lan debt. Yu ll need t cunt bth yur eligible lans and yur ineligible nes in this equatin. (The ttal amunt f all yur ineligible lans cannt be higher than the ttal amunt f all yur eligible lans.) Remember that yur mnthly payments and the verall cst f the Cnslidatin lan depend n the length f repayment the lnger the repayment term, the lwer the mnthly payment, but the mre yu ll pay in interest ver the life f the lan. Use Wrksheet 2 belw. wrksheet 2 T determine yur maximum repayment length, fill in these blanks frm yur cmpleted Wrksheet Ttal dllar amunt f eligible lans: 2. Ttal dllar amunt f ineligible lans: 3. Is yur ineligible ttal greater than yur eligible ttal? If yes, multiply yur eligible amunt by tw. Write the number here: If n, add the ineligible and eligible lan amunts. Write the ttal here: 4. In the bx belw, place a check mark in the My Eligibility clumn next t yur ttal lan amunt. My Eligibility Lan Amunts Maximum Term Lengths Less than $7,500 $7,500 $9, years $10,000 $19,999 $20,000 $39, years $40,000 $59, years $60,000 and higher 30 years The rw yu have checked indicates the number f years yu re allwed t spend repaying yur eligible lans, althugh yu may request a shrter repayment term. Managing Yur Student Lan Prtfli 7

9 Hw d I calculate my new interest rate? Yur Cnslidatin lan s new interest rate is the weighted average f the interest rates n all the lans being cnslidated, runded up t the nearest ne-eighth f 1 percent. The new interest rate cannt exceed 8.25 percent and is fixed fr the life f the lan. Use Wrksheet 3 n page 9 t calculate the weighted average f yur lans and estimate yur new interest rate. Yu ll need t knw the interest rate and current balance f each f yur eligible lans. (Refer t yur cmpleted Wrksheet 1 n page 6.) Yu may als ask yur cnslidatin lender t estimate yur new interest rate. What will my new mnthly payment be? Nw that yu knw yur maximum repayment term, yu can estimate yur mnthly payment. The fllwing chart shws the mnthly payments and ttal repayment amunts fr varius lan amunts under the standard repayment plan. FFEL Cnslidatin Lan Repayment Chart 6.8 percent interest rate with a standard repayment plan Lan Balance N. f Payments Term Length Mnthly Payment Ttal Interest Ttal Paid (Lan + Interest) $10,000 $ $3,812 5,978 $13,812 15,978 $15, ,718 8,967 20,718 23,967 $20, years ,624 11,957 16,690 27,600 31,957 36,640 $30, years ,429 17,935 24,960 41,429 47,935 54,960 $40, years 25 years ,239 29,913 33,281 43,289 55,239 69,913 73,281 83,289 $60, years 25 years 30 years ,858 35,870 49,921 64,933 80,816 82,858 95, , , ,816 $100, years 25 years 30 years 1, , 59,783 83, , , , 159, , , ,693 $138, years 25 years 30 years 1,594 1,229 1, ,736 82, , , , , , , , ,050 $224, years 25 years 30 years 2,578 1,988 1,710 1,555 1,460 85, , , , , , , , , ,712 8 Managing Yur Student Lan Prtfli

10 wrksheet 3 Calculating My Interest Rate This wrksheet will help yu estimate the interest rate n yur new Cnslidatin lan. Step 1. Multiply each eligible lan s interest rate (in decimal frmat) by its respective balance. (D nt include heal lans in this list.) Eligible Lan Type Interest Rate Decimal Rate Lan Balance Lan Weight (Percentage) (Interest Rate (Payff) (Decimal Rate x Divided by 100) Balance) = Subsidized Staffrd 8.25 % $5, Ttal Lan Balance and Ttal Lan Weight $ 5,500 Step 2. Divide the ttal lan weight by the ttal balance. (*Rund the weighted average interest rate t the nearest higher ne-eighth f 1 percent.) Ttal Lan Ttal Lan Weighted Average Weight Balance = Interest Rate %* Managing Yur Student Lan Prtfli 9

11 Step 5 Find Out the Terms f Yur New Cnslidatin Lan Yur new Cnslidatin lan will have its wn terms and benefits. Fr a ffel Cnslidatin lan, yu must agree: T ntify yur lender within 10 days f any change t yur address, telephne number r name; T pay principal and interest as scheduled, including any late fees; T new deferment eligibility and criteria; T have the interest capitalized if yu fail t make the required payments f interest during perids f authrized deferment and frbearance; That yu understand yur mnthly payments may be less but, generally, yu ll pay mre ver the life f the lan due t the extended repayment term; and That yu understand yur lender r guarantr will reprt the repayment, delinquency r default status f yur lan t credit bureaus. Will I still have deferment and frbearance ptins? Yes. Bth deferment and frbearance ptins are built int yur Cnslidatin lan t assist yu in certain situatins. Deferments allw yu t temprarily pstpne payments. Deferments are nt autmatic; yu must meet eligibility criteria, apply and receive apprval frm yur lender. During perids f deferment n subsidized Cnslidatin lans, the principal payments are pstpned and interest is paid by the federal gvernment. When unsubsidized Cnslidatin lans are deferred, nly the principal payments are pstpned yu re respnsible fr all the interest that accrues. The three mst cmmn reasns fr deferment are returning t schl at least half time, unemplyment, ecnmic hardship and military service. If yu dn t qualify fr a deferment but are having difficulty repaying yur lans, yu may be eligible fr a frbearance. Frbearance is a temprary pstpnement r reductin in yur mnthly payment. During frbearance, interest accrues and yu re billed quarterly fr the interest by the lender. Yu have the ptin f paying the interest r allwing the lender t capitalize the interest at the end f the frbearance perid. If yu decide t capitalize the interest that accrues, yur mnthly payment amunt will increase, alng with yur ttal repayment amunt. Circumstances in which a lender might grant frbearance include financial hardship and/r illness. Frbearance is allwed at the discretin f the lender. Will my new lan cme with repayment incentives? Lenders may ffer repayment incentives, usually in the frm f lwer interest rates, fr ntime payments. Interest rates als may be reduced if yu agree t direct pay and have yur mnthly payments autmatically withdrawn. Ask lenders fr details befre cnslidating. tip Cmpare the cnslidatin terms t thse f yur existing lans. Yu may find that a simple change in repayment plans n yur existing lans will meet yur needs. 10 Managing Yur Student Lan Prtfli

12 Step 6 Cmplete the Paperwrk The cnslidating lender will give yu an applicatin packet that includes the Federal Cnslidatin Lan Applicatin and Prmissry Nte and instructins. Be sure t read everything carefully. Once yu have signed and submitted yur applicatin, yu ve cmmitted yurself t the terms f the new lan. Als, keep in mind that the interest rates n variable interest federal lans change each year n July 1. Cnsider the financial trends when applying near this date it may be t yur benefit t wait until the new interest rates are annunced. When is the right time t apply? First, each lan yu wish t cnslidate must be in repayment status. Staffrd lans disbursed after July 1, 1995, have tw interest rates attached t them: ne fr in-schl, grace and deferment perids and the ther fr repayment. Staffrd lans disbursed n r after July 1, 2006, will have a fixed interest rate f 6.8 percent, except subsidized Staffrd lans fr undergraduate students. See table belw. Be aware that, althugh mst federal student lans have a six-mnth grace perid befre entering repayment, Cnslidatin lans d nt. Once yur Cnslidatin lan is apprved, yur mnthly payments will begin within 60 days. If yu need the grace perid t lk fr emplyment, yu may cnsider waiting until sme f yur grace perid elapses befre applying fr cnslidatin. Befre yu decide t cnslidate yur lans, take sme time t see if yu wuld benefit. Check ut EdWise, the nline financial planning guide at t evaluate yur repayment ptins. Ask the lender abut the benefits f a Cnslidatin lan: What wuld yur new interest rate, mnthly payment and terms be? Wuld yu still have the same deferment and frbearance ptins? As always, pay careful attentin t all the terms and cnditins f the new lan. Can I cnslidate my lans during my grace perid? Yes. Effective July 1, 2006, yu must be in yur grace perid r already in repayment n each lan yu wish t cnslidate. If yu chse t cnslidate during yur grace perid, yu will lse that benefit. Are there any fees? There are n riginatin fees r any ther kind f charges fr btaining a Cnslidatin lan. There are als n penalties fr prepaying r paying ff the lan earlier than scheduled. Legislatin has lwered interest rates fr a five-year perid fr undergraduate subsidized Staffrd lans fr bth the FFEL and Direct Lan Prgrams. Interest Rate On r after July 1, 2008, and befre July 1, % On r after July 1, 2009, and befre July 1, % On r after July 1, 2010, and befre July 1, % On r after July 1, 2011, and befre July 1, % On r after July 1, 2012, and befre July 1, % Managing Yur Student Lan Prtfli 11

13 Hw d I apply? The first step is t cntact participating lenders. On the Federal Cnslidatin Lan Applicatin and Prmissry Nte, yu ll need t cmplete: Sectin A Brrwer Infrmatin Sectin B Reference Infrmatin Sectin C Prmissry Nte. Read all materials carefully befre signing. If yu dn t understand any part f the packet, r have questins, cntact the lender immediately. Sectin D Educatin Lan Indebtedness. Yu can use the list yu created n Wrksheet 1. Be sure t refer t the instructins when listing yur lans. Lk fr the names f the lans rather than the lan types. Fllw these helpful steps: 1. Cntact each lender t btain the accunt number fr each lan, unless yu have recent statements r ther crrespndence that includes it. 2. Begin by listing all yur eligible lans. 3. If yu wish t extend yur repayment term, list yur ineligible lans in sectin D 2. By including yur ineligible lans, yur lender will calculate yur repayment term length based n yur ttal educatin lan debt. Sectin E Repayment Plan Selectin. Chse a repayment plan fr yur Cnslidatin lan: standard, graduated, incme-base, incme-sensitive r extended. Sectin F Brrwer Certificatin and Authrizatin. Be sure t retain a cpy f everything fr yur recrds. What happens next? It usually takes 30 t 90 days fr an applicatin t be prcessed. If yur applicatin is apprved, the cnslidating lender will pay ff the full amunt f the riginal lans and send yu a disclsure statement and repayment schedule fr yur new Cnslidatin lan. This packet will include a listing f yur ttal debt, the new interest rate and terms. Until yur new Cnslidatin lan is in repayment status, yu must cntinue t make regular lan payments n each f yur current lans. Yu ll begin repaying yur Cnslidatin lan within 60 days f the time yur cnslidating lender pays ff yur underlying lans. Where d I g fr mre infrmatin? Here is a Web site t help yu learn mre abut lan cnslidatin and decide if it s right fr yu. Yur lender can als give yu mre infrmatin and answer yur questins. Federal Direct Cnslidatin Lan Infrmatin Center Brwse the federal gvernment s Web site fr details n Direct lan cnslidatin and t cmpare Direct and ffel lan cnslidatin. tip Yu can always save mney by repaying yur lan early (there are n prepayment penalties) r paying a little extra each mnth tward the principal t shrten the repayment perid. 12 Managing Yur Student Lan Prtfli

14 Advantages And Cnsideratins Of Student Lan Cnslidatin This chart lists the features f lan cnslidatin, alng with sme cnsideratins t help yu decide if cnslidatin is the right ptin fr yu. Features Advantages Cnsideratins One lender hlds the lan. A fixed interest rate. Separate federal student lans are cmbined int ne lan. N fees, credit check r prepayment penalties. An extended repayment perid frm 10 t 30 years, depending n yur ttal debt. Five repayment plan ptins: standard, graduated, incme-based, incme-sensitive r extended. Federal Perkins (ndsl) lans can be included in a Cnslidatin lan. Delinquent r defaulted brrwers are allwed t re-enter repayment. Yu ll always knw whm t cntact. Yu receive nly ne bill. If yu cnslidate variable interest rate lans, yu ll lck in a lw interest rate. If rates rise, yu ll save mney. Only ne payment t make every mnth. Subsidized ffel and Direct lans retain their interest subsidy benefits during deferment. As lng as yu meet the lender s requirements fr cnslidatin, yu ll be apprved. Yu can pay ff the lan at any time withut penalty. Usually, a lwer mnthly payment. Yu can chse the repayment plan that best fits int yur financial situatin r future plans. Same repayment plans as thse ffered under the ffel Prgram, but with the ptin f an extended repayment term. Cmbining yur Perkins lan in yur Cnslidatin lan means ne less bill t remember t pay each mnth. The Perkins lan s lw interest rate (5%) will be included in the weighted average interest rate calculatin and may influence the Cnslidatin lan interest rate. Rebuild negative credit histry and re-establish Title IV aid eligibility. May cntinue t take ut new lans. Other lenders may ffer better deals, repayment incentives and ther benefits. If interest rates fall in the future, yu ll be lcked int a higher rate. Nn-federal lans, such as cllege r private alternative lans, cannt be included. Pssible lss r change in benefits. Previus lans will be cmbined int ne new lan with a new set f benefits that may include different deferment and frbearance ptins. Check with yur lender and cmpare. Sme lenders require a minimum lan balance t apply. Typically, a significantly higher payback. An extended repayment perid means paying mre interest ver the life f the lan. Minimal reductin in the principal amunt wed. Increase in ttal lan csts. Yu ll lse the interest subsidy benefit n yur Perkins lan as these lans cnslidate as unsubsidized lans. Yu ll lse the Perkins deferment ptins. Perkins lans that are cnslidated are n lnger eligible fr cancellatin benefits, including thse fr teaching, public r military service. Brrwers wh wish t cnslidate are required t make three cnsecutive, vluntary, n-time, full mnthly payments r agree t repay their new Cnslidatin lan under the incmesensitive repayment plan. Managing Yur Student Lan Prtfli 13

15 Managing Yur Student Lan Prtfli P.O. Bx Ranch Crdva, CA Tll free 877.2EdFund ( ) EdFund. All rights reserved. EdFund and its assciated graphic are the trademark f EdFund. EdWise is the registered trademark f EdFund. All ther trademarks are the prperty f their respective wners. This wrkbk is intended t be a guide that intrduces varius financial planning tpics. It s nt intended t prvide financial advice and it s nt meant t be prfessinal guidance. Materials prvided curtesy f EdFund. I

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

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

Exploring your Student Loan Repayment Options

Exploring your Student Loan Repayment Options Explring yur Student Lan Repayment Optins Student Lan Crisis Yu Are Nt Alne! Currently at $1.26 trillin Increasing at $2,854 per secnd Average debt lad $29,400 43 millin Americans carrying student lan

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

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

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

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

U. S. Department of Housing and Urban Development Washington, D.C. 20410-8000. December 20, 2000

U. S. Department of Housing and Urban Development Washington, D.C. 20410-8000. December 20, 2000 U. S. Department f Husing and Urban Develpment Washingtn, D.C. 20410-8000 December 20, 2000 OFFICE OF THE ASSISTANT SECRETARY FOR HOUSING-FEDERAL HOUSING COMMISSIONER MORTGAGEE LETTER 00-46 TO: ALL APPROVED

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

We will record and prepare documents based off the information presented

We will record and prepare documents based off the information presented Dear Client: We appreciate the pprtunity f wrking with yu regarding yur Payrll needs. T ensure a cmplete understanding between us, we are setting frth the pertinent infrmatin abut the services that we

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

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

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

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

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

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

Understanding your home financing options and mortgage features

Understanding your home financing options and mortgage features Understanding yur hme financing ptins and mrtgage features At, we understand the imprtant rle yur hme plays in yur life. That s why we are cmmitted t prviding yu infrmatin that will help yu make infrmed

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

Account Switch Kit. Locations. HACKLEBURG PO DRAWER A 34888 US HWY 43 HACKLEBURG, AL 35564 Phone: (205)395-1944 Fax: (205)935-3349

Account Switch Kit. Locations. HACKLEBURG PO DRAWER A 34888 US HWY 43 HACKLEBURG, AL 35564 Phone: (205)395-1944 Fax: (205)935-3349 Member FDIC "Hmetwn Banking... Accunt Switch Kit... Mving Made Easy" Lcatins HAMILTON PO BO 189 1281 MILITARY ST S HAMILTON, AL 35570 Phne: (205)921-9400 Fax: (205)921-9708 HACKLEBURG PO DRAWER A 34888

More information

Welcome to CNIPS Training: CACFP Claim Entry

Welcome to CNIPS Training: CACFP Claim Entry Welcme t CNIPS Training: CACFP Claim Entry General Cmments frm SCN CACFP claiming begins with submissin f the Octber claim due by Nvember 15, 2012. Timelines/Due Dates With CNIPS, SCN will cntinue t enfrce

More information

ES PROCEDURES FOR OVERPAYMENT RECOVERY

ES PROCEDURES FOR OVERPAYMENT RECOVERY ES PROCEDURES FOR OVERPAYMENT RECOVERY Effective: 7/1/2012 Respnsible Office: Emplyee Services (ES) Apprved: ES Directr Applicatin: All Emplyees f the University f Clrad Plicy The University f Clrad will

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

LOUISIANA TECH UNIVERSITY Division of Student Financial Aid Post Office Box 7925 Ruston, LA 71272

LOUISIANA TECH UNIVERSITY Division of Student Financial Aid Post Office Box 7925 Ruston, LA 71272 LOUISIANA TECH UNIVERSITY Divisin f Student Financial Aid Pst Office Bx 7925 Rustn, LA 71272 Dear Financial Aid Applicant, Accrding t yur 2011-2012 Student Aid Reprt (SAR), yu did nt include any parental

More information

The shared ownership calculator is available to download from the HCA s capital funding guide.

The shared ownership calculator is available to download from the HCA s capital funding guide. Shared Ownership Affrdability Calculatrs Guidance nte Plicy The calculatr has been created t supprt further emphases being placed n applicants applying fr shared wnership maximising their wn cntributin

More information

Military: Exemptions for Texas Veterans (Hazlewood Exemption) FAQs

Military: Exemptions for Texas Veterans (Hazlewood Exemption) FAQs Military: Exemptins fr Texas Veterans (Hazlewd Exemptin) FAQs What charges are cvered? What charges are nt cvered? Des the Hazlewd Act cver teacher certificatin fees? Des the Hazlewd Act cver credit by

More information

PARALEGAL ASSOCIATION OF CENTRAL OHIO ( PACO ) P.O. Box 15182 Columbus, Ohio 43215-0182

PARALEGAL ASSOCIATION OF CENTRAL OHIO ( PACO ) P.O. Box 15182 Columbus, Ohio 43215-0182 PARALEGAL ASSOCIATION OF CENTRAL OHIO ( PACO ) P.O. Bx 15182 Clumbus, Ohi 43215-0182 TWO $750 SCHOLARSHIPS AVAILABLE FOR PARALEGAL STUDIES STUDENTS IN THE CENTRAL OHIO AREA Schlarship applicatin packets

More information

Kronos Workforce Timekeeper Frequently Asked Questions

Kronos Workforce Timekeeper Frequently Asked Questions Krns Wrkfrce Timekeeper Frequently Asked Questins 1. I d nt have the Emplyee Time Reprting ptin listed in my Agra menu. What d I d? If yu are a new emplyee and can t see yur emplyee timecard, cnfirm with

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

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

University of Texas at Tyler 2015-2016 Special Circumstances Request Independent Student

University of Texas at Tyler 2015-2016 Special Circumstances Request Independent Student University f Texas at Tyler 2015-2016 Special Circumstances Request Independent Student Student Name: ID#: Sectin I. In accrdance with Federal regulatins, student and spuse 2014 incme is used t determine

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

Loan Application for Pre- Approval

Loan Application for Pre- Approval Lan Applicatin fr Pre- Apprval Get pre-apprved fr yur hme lan financing tday by cmpleting this applicatin. Please cmplete the entire applicatin and return with the dcumentatin requested n the attached

More information

STUDENT VETERAN BENEFIT CHECKLIST For POST 9/11 GI BILL AND SELECTIVE RESERVE EDUCATIONAL PROGRAMS 1606 & 1607

STUDENT VETERAN BENEFIT CHECKLIST For POST 9/11 GI BILL AND SELECTIVE RESERVE EDUCATIONAL PROGRAMS 1606 & 1607 Financial Aid, Schlarships, Veterans and Fster Yuth Prgrams 6201 Winnetka Avenue, Wdland Hills CA 91371-0002 Veterans: (818) 710-3316 ext 3316 FAX: (818) 704-8221 www.piercecllege.edu/ffices/financial_aid/veterans.asp

More information

FOREIGN SCHOOL ELIGIBILITY CRITERIA MAY 2010

FOREIGN SCHOOL ELIGIBILITY CRITERIA MAY 2010 Statutry Authrity As prvided under sectin 498 f the Higher Educatin Act f 1965, as amended (Title IV, HEA prgrams), the Secretary determines whether freign institutins chsing t participate r participating

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

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

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

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

Employer Dashboard Guide

Employer Dashboard Guide Emplyer Dashbard Guide A step-by-step guide t the functinalities and capabilities f the Emplyer Dashbard We make it easy fr yu t manage yur plan using the Emplyer Dashbard. Each user assigned with an Administratr

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

o o Thank you for choosing Clover Park Technical College! We look forward to welcoming you to CPTC soon!

o o Thank you for choosing Clover Park Technical College! We look forward to welcoming you to CPTC soon! Thank yu fr requesting the CPTC Internatinal Admissin Applicatin Packet! T cmplete yur admissin, please fill ut the fllwing frms and submit with the dcuments belw: FORMS Internatinal Educatin Admissins

More information

Point2 Property Manager Quick Setup Guide

Point2 Property Manager Quick Setup Guide Click the Setup Tab Mst f what yu need t get started using Pint 2 Prperty Manager has already been taken care f fr yu. T begin setting up yur data in Pint2 Prperty Manager, make sure yu have cmpleted 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

BridgeValley Community and Technical College Financial Aid Office 2015-2016 Maximum Hour Financial Aid Suspension Appeal Process

BridgeValley Community and Technical College Financial Aid Office 2015-2016 Maximum Hour Financial Aid Suspension Appeal Process BridgeValley Cmmunity and Technical Cllege Financial Aid Office 2015-2016 Maximum Hur Financial Aid Suspensin Appeal Prcess T receive financial aid administered by BridgeValley Cmmunity and Technical Cllege,

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

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

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

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

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

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

FINANCIAL OPTIONS. 2. For non-insured patients, payment is due on the day of service.

FINANCIAL OPTIONS. 2. For non-insured patients, payment is due on the day of service. FINANCIAL OPTIONS 1. Fr thse patients wh carry dental insurance, all c-payments are due n date f service. We will file yur claim as a service t yu, and will d ur very best t maximize yur benefits. We accept

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

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

STIClassroom Win Rosters, Attendance, Lesson Plans and Textbooks

STIClassroom Win Rosters, Attendance, Lesson Plans and Textbooks STIClassrm Win Rsters, Attendance, Lessn Plans and Textbks Student Class Rster T access the student class rster, click the icn in the Classrm desktp. Frm the Rster screen, teachers may access the items

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

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

990 e-postcard FAQ. Is there a charge to file form 990-N (e-postcard)? No, the e-postcard system is completely free.

990 e-postcard FAQ. Is there a charge to file form 990-N (e-postcard)? No, the e-postcard system is completely free. 990 e-pstcard FAQ Fr frequently asked questins abut filing the e-pstcard that are nt listed belw, brwse the FAQ at http://epstcard.frm990.rg/frmtsfaq.asp# (cpy and paste this link t yur brwser). General

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

Tipsheet: Sending Out Mass Emails in ApplyYourself

Tipsheet: Sending Out Mass Emails in ApplyYourself GEORGETOWN GRADUATE SCHOOL Tipsheet: Sending Out Mass Emails in ApplyYurself In ApplyYurself (AY), it is very simple and easy t send a mass email t all f yur prspects, applicants, r students with applicatins

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

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

Table of Contents. Welcome to Employee Self Service... 3 Who Do I Call For Help?... 3

Table of Contents. Welcome to Employee Self Service... 3 Who Do I Call For Help?... 3 ALABAMA STATE UNIVERSITY HUMAN RESOURCES EMPLOYEE SELF SERVICE USER GUIDE 2 Table f Cntents Welcme t Emplyee Self Service... 3 Wh D I Call Fr Help?... 3 Hw d I access Emplyee Self Service?... 4 Persnal

More information

WHAT SHOULD I LOOK FOR WHEN I BUY HEALTH INSURANCE?

WHAT SHOULD I LOOK FOR WHEN I BUY HEALTH INSURANCE? WHAT SHOULD I LOOK FOR WHEN I BUY HEALTH INSURANCE? The Maine Bureau f Insurance 34 State Huse Statin Augusta, Maine 04333 207-624-8475 r 1-800-300-5000 (in Maine) http://www.maine.gv/pfr/insurance Paul

More information

AP Digital Portfolio: Student User Guide for AP Capstone

AP Digital Portfolio: Student User Guide for AP Capstone AP Digital Prtfli: Student User Guide fr AP Capstne Lg in Using Yur Cllege Bard Username and Passwrd... 2 Enrll in an AP Seminar r AP Research Class at Yur Schl... 2 Access the AP Digital Prtfli... 4 Navigate

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

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

UNIVERSITY OF WINCHESTER

UNIVERSITY OF WINCHESTER UNIVERSITY OF WINCHESTER INTRODUCTION DEBT MANAGEMENT POLICY: STUDENTS ACADEMIC YEAR 15/16 This dcument sets ut the plicy f the University in relatin t student debt, alng with the debt management prcedures

More information

efusion Table of Contents

efusion Table of Contents efusin Cst Centers, Partner Funding, VAT/GST and ERP Link Table f Cntents Cst Centers... 2 Admin Setup... 2 Cst Center Step in Create Prgram... 2 Allcatin Types... 3 Assciate Payments with Cst Centers...

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

Student Web Time Entry Guide

Student Web Time Entry Guide Student Web Time Entry Guide Updated July 6, 2015 TABLE OF CONTENTS TABLE OF CONTENTS... 1 GETTING STARTED... 2 HOW TO ACCESS BANNER ONLINE... 2 HOW TO ENTER CURRENT TIMESHEETS... 2 HOW TO ENTER PREVIOUS

More information

March 2016 Group A Payment Issues: Missing Information-Loss Calculation letters ( MILC ) - deficiency resolutions: Outstanding appeals:

March 2016 Group A Payment Issues: Missing Information-Loss Calculation letters ( MILC ) - deficiency resolutions: Outstanding appeals: The fllwing tpics were discussed in the March 24, 2016 meeting with law firms representing VCF claimants. Grup A Payment Issues: We cntinue t fcus n paying Grup A claims in full and are meeting the schedule

More information

THE EMPLOYMENT LAW DISPUTE SPECIALISTS DAMAGES BASED AGREEMENT. Your Employment Tribunal claim relating to your employment with...

THE EMPLOYMENT LAW DISPUTE SPECIALISTS DAMAGES BASED AGREEMENT. Your Employment Tribunal claim relating to your employment with... THE EMPLOYMENT LAW DISPUTE SPECIALISTS DAMAGES BASED AGREEMENT 1. What is cvered by this agreement Yur Emplyment Tribunal claim relating t yur emplyment with... 2. What is nt cvered by this agreement 2.1

More information

LASTING POWER OF ATTORNEY EXPLANATORY LEAFLET

LASTING POWER OF ATTORNEY EXPLANATORY LEAFLET LASTING POWER OF ATTORNEY EXPLANATORY LEAFLET A Pwer f Attrney is a legal dcument where a persn gives anther persn r persns (the Attrney) authrity t make certain decisins n his r her behalf. A Lasting

More information

2014-15. Online Financial Aid Orientation. Pima Community College Financial Aid Office. Notes: Slide 1:

2014-15. Online Financial Aid Orientation. Pima Community College Financial Aid Office. Notes: Slide 1: Slide 1: 2014-15 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

Retirement Planning Options Annuities

Retirement Planning Options Annuities Retirement Planning Optins Annuities Everyne wants a glden retirement. But saving fr retirement is n easy task. The baby bmer generatin is graying. Mre and mre peple are appraching retirement age. With

More information

LASA. Swansea s Credit Union. Loan Application Form. Loans and Savings Abertawe

LASA. Swansea s Credit Union. Loan Application Form. Loans and Savings Abertawe LASA Lans and Savings Abertawe Swansea s Credit Unin Lan Applicatin Frm Frequently Asked Questins YOUR QUESTIONS ANSWERED PLEASE READ CAREFULLY Hw much can I brrw? The amunt f any lan granted is subject

More information

INSTRUCTIONS ON HOW TO IMPORT (Attach) DOCUMENTS TO TRANSACTIONS IN THE EMPLOYEE REIMBURSEMENT SYSTEM

INSTRUCTIONS ON HOW TO IMPORT (Attach) DOCUMENTS TO TRANSACTIONS IN THE EMPLOYEE REIMBURSEMENT SYSTEM INSTRUCTIONS ON HOW TO IMPORT (Attach) DOCUMENTS TO TRANSACTIONS IN THE EMPLOYEE REIMBURSEMENT SYSTEM In the Emplyee Reimbursement System, users with verifier and apprver/prxy access rights have the ability

More information

Bill Payment Agreement & Disclosures

Bill Payment Agreement & Disclosures Bill Payment Agreement & Disclsures Welcme t Online Banking Bill Payment Service. Use f the Bill Payment Service indicates acceptance f terms and cnditins set frth in the Online Banking Agreement & Disclsures

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

The ad hoc reporting feature provides a user the ability to generate reports on many of the data items contained in the categories.

The ad hoc reporting feature provides a user the ability to generate reports on many of the data items contained in the categories. 11 This chapter includes infrmatin regarding custmized reprts that users can create using data entered int the CA prgram, including: Explanatin f Accessing List Screen Creating a New Ad Hc Reprt Running

More information

Using PayPal Website Payments Pro UK with ProductCart

Using PayPal Website Payments Pro UK with ProductCart Using PayPal Website Payments Pr UK with PrductCart Overview... 2 Abut PayPal Website Payments Pr & Express Checkut... 2 What is Website Payments Pr?... 2 Website Payments Pr and Website Payments Standard...

More information

Health Savings Accounts (HSAs) Distribution Rules

Health Savings Accounts (HSAs) Distribution Rules Brught t yu by Haylr, Freyer & Cn, Inc. Health Savings Accunts (HSAs) Distributin Rules A Health Savings Accunt (HSA) is a trust r accunt used t pay medical expenses that a high deductible health plan

More information

Your application binds neither yourself nor ING Belgium until the loan agreement has been signed in your ING branch, and after verification by ING.

Your application binds neither yourself nor ING Belgium until the loan agreement has been signed in your ING branch, and after verification by ING. Frequently Asked Questins My applicatin fr an ING lan has been accepted. S, where d I have t g t sign the agreements? What is the minimum term fr an instalment lan? What is the maximum term fr an instalment

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

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

ICBA Summary of Ability-to-Repay/ Qualified Mortgage Final Rules

ICBA Summary of Ability-to-Repay/ Qualified Mortgage Final Rules ICBA Summary f Ability-t-Repay/ Qualified Mrtgage Final Rules September 2013 Cntact: Elizabeth Eurgubian Vice President and Regulatry Cunsel elizabeth.eurgubian@icba.rg www.icba.rg ICBA Summary f Ability-t-Repay/Qualified

More information

Create a Non-Catalog Requisition

Create a Non-Catalog Requisition Create a Nn-Catalg Requisitin Jb Aid This jb aid describes hw t create a standard nn-catalg (i.e., nn-ibuynu) purchase request. REFER TO ADDITIONAL TRAINING GUIDES If yu need t create a special requisitin

More information

Workers Compensation Employee Packet

Workers Compensation Employee Packet Wrkers Cmpensatin Emplyee Packet Cmplete the fllwing frms and return t Meagan Vrhies, Claims Crdinatr via fax (817) 735-0127, email at Meagan.Vrhies@untsystem.edu r in persn at Human Resurce Services (EAD-280).

More information

BRILL s Editorial Manager (EM) Manual for Authors Table of Contents

BRILL s Editorial Manager (EM) Manual for Authors Table of Contents BRILL s Editrial Manager (EM) Manual fr Authrs Table f Cntents Intrductin... 2 1. Getting Started: Creating an Accunt... 2 2. Lgging int EM... 3 3. Changing Yur Access Cdes and Cntact Infrmatin... 3 3.1

More information

Cell Phone & Data Access Policy Frequently Asked Questions

Cell Phone & Data Access Policy Frequently Asked Questions Cell Phne & Data Access Plicy Frequently Asked Questins 1. Wh is eligible fr a technlgy allwance? First and fremst, the technlgy allwance is fr the benefit f the University, rather than fr the cnvenience

More information

STEP 1: Student Application Submission

STEP 1: Student Application Submission Student Applicatin Prcess fr Chice Districts Interdistrict Public Schl Chice Prgram New Jersey State Department f Educatin P.O. Bx 500 Trentn, New Jersey 08625-0500 Email: pschice@de.state.nj.us STEP 1:

More information

CSAT Account Management

CSAT Account Management CSAT Accunt Management User Guide March 2011 Versin 2.1 U.S. Department f Hmeland Security 1 CSAT Accunt Management User Guide Table f Cntents 1. Overview... 1 1.1 CSAT User Rles... 1 1.2 When t Update

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

Checklist for Columbia State Community College s Course Creation Process

Checklist for Columbia State Community College s Course Creation Process Checklist fr Clumbia State Cmmunity Cllege s Curse Creatin Prcess Curses cannt be added t the schedule until this prcess is cmpleted, all curse dcuments are submitted, and the curse is apprved by the Directr

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

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

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