Credit Card Debt Consolidation Help
Credit card debt consolidation is an option for those that find themselves with many monthly credit card payments to keep track of and payments that tie up a large portion of their available cash flow. Credit card debt help can be found through a...
Debt Consolidation – Discipline is Required if Consolidating with Home Equity
Debt consolidation is a popular topic these days. The average American carries nearly $10,000 in credit card debt and credit card debt of $100,000 is not all that unusual. New legislation that takes effect in October 2005 is going to make it harder...
Debt Interest Doesn't Wait And Neither Should You
The number one reason people don't get out of debt is they don't
try. This may apply to you. You want to, but never seem to do
it. You put it off for whatever reason.
You want to wait for your life to be just right before you make
the...
Get Out Of The Credit Card Debt!
Having too many credit cards can lead to overspending and then it's quite easy to get in debt over your head. First thing which is very much important in case of credit card debt is that we should limit the number of credit cards and also we need...
Small Business Tax Deduction - Write-Off Bad Debts
Practically every small business has receivables that it cannot obtain from clients. If your small business doesn't have any such receivables, consider yourself lucky. For those small businesses that suffer from uncollected receivables, solace can...
Dealing with Student Debt
The UK used to have an excellent 'free' education system, on the premise that education its citizens made the whole country wealthier. That has now changed, and student loans are the norm, as in the USA. This, of course, means that the majority of students leave University with a gigantic financial millstone around their necks. Is there anything they can do about this? In the first place, let's see if we can reduce the amount of debt we run up during the course.
With an average debt of about £11K (over $20,000 USD!), the average graduate leaves higher education more indebted than their parents. There are some additional funding sources that may be able to help some students, and prevent them incurring such enormous debt in the first place. You 'Local Education authority' (LEA) may offer means tested help towards tuition fees. The means test examines your income and that of your parents unless you are classed as an 'independent student'. Apply to the LEA where you intend to live before the course starts. Some LEA's may also offer Student Loans against your living costs while you are at college. See www.nodebtever.com for a list of LEA contacts.
Extra Allowances. You
may be entitled to a Disabled Student Allowance (DSA) which does NOT have to be repaid, and is intended to offset some of the additional costs you suffer because of your disability. Ask your LEA if you suffer from a recognized disability.
Got Kids? You are probably entitled to a Child Care Grant. Once again, consult your LEA. The principle is that you shouldn't be 'penalized' because you have children. If you are a single parent, you may even be able to get a 'Lone Parent' grant, which compensates you for being on your own with children as a student.
Come from a broken home? Try for a Care Leavers Grant. If you have no parents to stay with in the summer holidays, you may be able to claim up to £100 a week towards accommodation costs. Ask your LEA!
Once IN college, how do you keep your costs down? We'll look at that topic in the next article.
About the Author
Stu is a drop out from University who now spends his time writing articles for www.nodebtever.com in an attempt to help other students not make the same mistakes he made. A bit like that bloke from 'Quantum leap', but without the timetravel.