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This newspaper page contains 4 articles. Subscribers can read the full text of each article.
Newspaper
Lawrence Journal World
Location
Lawrence, Kansas, United States of America
Date
Sep 02, 2002
Page
5
A compact guide explains common credit card terms such as APR, credit line, cash advance costs, grace period, late fees, minimum payment, and rate types. It highlights how fees and interest can rise with late payments and how different rate structures affect balances.
Milwaukee experts say consolidating federal loans under the Federal Consolidation Loan program can fix rates as low as 3.5 percent, with some borrowers extending repayment beyond 10 years to reduce monthly payments. Analysts note the Stafford average and other rates influence consolidations, urging graduates and parents to consider refinancing now.
The article explains consolidation options for federal Stafford and PLUS loans, noting fixed rates set by averaging existing loans and rounded to the nearest 0.125. It discusses longer repayment terms, one-time consolidation, and current low rates, with examples from graduates considering locking in lower payments, plus potential 1 percentage point rate discounts after timely payments.
Chuck Myers reviews several sites offering guidance on financing higher education. College Financial Planning explains saving and loans. OSFAP on ed.gov covers federal aid. FastWeb provides a loan and scholarship search. SmartMoney discusses planning. Student Loan Funding Resources offers calculators and grant details.
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