While setting up GeekScribes, we explored a number of blogging platforms on which we could base our site. We tried B2Evolution, Serendipity and finally WordPress. I wanted to stay away from WordPress because of its reputation for attracting spammers. So we installed both Serendipity and B2Evolution. Here’s the review!
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Types of Loans
Unsecured Loans are short term loans that have no attached guarantee. These loans are often available to young adult applicants who can make only one loan.
Private Student Loans are private student loans that have an attached guarantee. These loans are often available to applicants that can make up to four loans with a maximum loan size of $50,000 per borrower, and now a days there are also services online which help with this, and you can get a same day payday loans for any need you could have.
Public Private Loans are private student loans that are guaranteed by the government and are typically available to applicants that are accepted to college.
Private Student Loans are issued by private lenders. There are several different types of private student loans, including federal, state, and federal and state-run programs. The number of private student loans, however, varies depending on the state in which you live, and there are some states with no private student loan programs, while other states offer them.
Private Student Loans: What You Should Know
Private student loans differ from federal student loans in that private loans have a set interest rate while federal student loans don’t. While private student loans are usually charged lower interest rates, you have no guarantee of getting the same loan terms or terms of repayment as you would on a federal loan. While you will usually be able to get the same or better terms on a federal loan as you would on a private student loan, if you take on a private loan you will likely have to pay more interest and fees. Private student loans are also more difficult to get repaid than federal loans.
Private student loans differ from federal student loans in that private loans have a set interest rate for the life of the loan. Private student loans can be repaid over 10 or 15 years, but will take 10 years on average to fully pay off a private loan. Most private loans are at fixed interest rates and will not adjust with inflation.
Private Student Loans Are Easier to Refinance
Although federal student loans do have fixed interest rates, you will be able to negotiate for lower interest rates. You can refinance your federal student loan at an interest rate lower than what you would pay to keep the same loan. To qualify, the following are required: Have a new loan balance that is equal to or less than the balance on your existing federal student loan.
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Have been enrolled in a full-time undergraduate or graduate degree program at a two- or four-year school and enrolled in either a certificate program, a certificate/associate’s degree program, or an associate’s degree program
Be approved for a Federal Direct Consolidation Loan, Federal Perkins Loan, or FFELP PLUS Loan Be approved for a Direct Subsidized Loan (as defined by the Stafford Act) Be approved for a Direct Unsubsidized Loan Be approved for a Direct PLUS Loan Have not been approved for a Federal Stafford Loan, Federal PLUS Loan, or FFELP PLUS Loan Be eligible for a loan under the federal Direct Consolidation Loan program Have a combined Direct Subsidized and Direct Unsubsidized Loan outstanding
A Simple Laptop Buying Guide
[26/03/08]
I saw a post somewhere the other day about people wanting to know what to look for in a laptop before they buy one. This inspired me to write a short guide on what you should pay attention to when looking for a laptop.
The problem with such guides is that they never remain relevant for very long considering how fast the field evolves. So I tagged the date in Bold. If it has been more than 6 months after this tag date, consider this article semi irrelevant. If it’s been more than a year from the tag date, completely ignore it! 
Anyways here goes. Laptops are more and more common nowadays. People usually prefer laptops to desktops because of their mobility and in-built battery. This means you can have a portable computer and an in-built UPS at the same time. In the past, the price was quite prohibitive, and well, performance was not one of the best. Nowadays, you can even find gaming-grade laptops, but these are not usually sold for less than $1000. So here’s a set of questions you need to ask when buying your lappy!