Category Archives: student loan

Best Painless Ways to Pay down A Mortgage

According to a survey, Bi-Weekly payment is the best painless ways to pay down a mortgage. Now most of institutions offer Bi-weekly payment in USA, I would strongly recommend in all the bi-weekly payment because what happened effective when you choose bi-weekly payment, you are actually make in thirteen month without payments over of on your period rather than twelve months. So that extra principle amount will go of your principle and effectively will dues amortization of your mortgage.

So generally you are making monthly payment on a mortgage so it switched bi-weekly payment and the extra money that your payment actually goes to principle not the interest. Few institutions are allow you to make a merely once period where is don’t exits of thirteen percentage. For example, when you have a two hundred thousand dollar mortgage and you have a ten percent prepayment privilege you actually can make mountable prepayment, join a calendar year is only seek don’t exit ten percents or equals. For example equal twenty thousands. Join the term of mortgage any time in the join of term of your mortgagee. And the Bank allows you a thirteen percents per year of each term of your mortgage. That means it is not limited, you will possibly turn back term of mortgage any time.

Benefits of prepayment

If you make a prepayment, every due your principle and effectively every dues interest of your mortgage. So here is common question that, dues your payment actually go down? No, be actually payment is don’t changes, what happened to your amortization and life of your mortgage actually gets you dues.

Wells Fargo Student Loans Review and Preview

An American popular financial services provider name is Wells Fargo. There are several financial services such as banking, online banking, mortgage, student loan, broker house etc. In the article I want to discussion on Wells Fargo student loans. A Wells Fargo loans executive says me that there are various student loans and all student loan will be covering my collage cost. I can’t believed, I’m from abroad but she offered to me. Not only limited here, she also says me that I don’t need to fill out the FAFSA private loan. You can believe it? Basically, I’m a graduate student in collage from abroad. And she (Wells Fargo loans executive) living a house in the nearest my hostel.

She says to me details about the Wells Fargo student loans. She says that there are 4 type student loans such as Wells Fargo Collegiate Loan to undergraduate student, Wells Fargo Graduate Loan to graduate, health, MBA etc student. Wells Fargo Connection Loan (if I want to combine my student loan), and Wells Fargo Student Loan for parents (only applicable for parents).

Advantage of Wells Fargo student loan:

According to Wells Fargo loan executive, the wells Fargo student loan program will be cover the collage cost and all supplies that needed for education such as books, hostel fee, computers, internet etc bills. Not only fund as collage costs, applicants also taken the following advantage.
1. Wells Fargo offered low interest rates student loan.
2. Online applicable and online manageable.
3. If needed, student should be refinancing the loan.
4. Don’t need to fill out the FAFSA private loan.
5. Repayment will be applicable after 6 moth of graduation.

Where you apply to Wells Fargo student loan:

If you would like to apply the wells Fargo student loan, you must be need to contact with a wells Fargo loan executive or visit wells Fargo online banking website. The website address is You will need the following essential document to open a loan account.

1. Collage admission documents.
2. Collage cost documents.
3. Social security number.
4. Driving license (if applicable).

Sallie Mae Student Loan Review

One of the most popular American private loan lenders name is Sallie Mae. Basically Sallie Mae is a financial company in the USA and there are a range of financial services sectors such as banking sector, loan and mortgage sector, investment program, insurance etc. Sallie Mae student loan program are given financial support to the American middle class student to acquiring graduation. As a result the student loan program has got popularity day by day in the America. Not only got the student loan advantage of American students, Sallie Mae student loan program are also covering abroad students.

There are mainly two type student loans such as graduate student loans and undergraduate student loans. Others loan program details are below-

Smart Option Student Loan:

A popular Sallie Mae student loan name is smart option student loan. Basically it is a fixed and low interest rates loan. If you borrow the loan then you will save up to 30%. The smart option student loan borrowers can be managing their account online. There others graduate students loan program are residency and relocation loans, bar study loan, medical loan, dental loan etc.
Undergraduate loans program including smart option student loan for undergraduate student, career training smart option student loan etc.


Sallie Mae student loan programs have various features in the student life (who have no financial support from her family, but she/he want to acquiring graduate degree).
1. Sallie Mae student loans are work as a collage fund.
2. Students should be refinancing the loan if needed.
3. Online applicable.
4. Loan holders may manage their account online.
5. Compatible to FAFSA.
6. Repayments of the loan will be pending minimum 6 month after graduation.
7. Basically, the program repayment options are flexible and it is dependable on the borrower’s monthly income after graduation.

Essential information to apply:

To apply for the Sallie Mae student loans you must need the following papers or information.
1. Collage admission documents.
2. Collage cost documents.
3. Social security number.
4. Driving license (if applicable).

How to apply:

If you want to borrow the Sallie Mae student loan then you can apply both online and a Sallie Mae center. To online apply go to the website and find out the student loan from the student loans column. After find out click on the APPLY NOW button and enter the required information. To apply physically, visit your nearest Sallie Mae loan center or call at 877-279-7172 or talk to your nearest Sallie Mae agency.

How to apply for Citibank Student Loan

If you are a student of graduate degree in the USA then you may take less than .60% interest rates student loan. Basically in the America, if you would like to graduation level study in a collage then you must minimum pay-off $10,000 in each year. If you admit a 4 year’s degree then minimum pay-off $10000X4=40,000. So it is difficult to pay this big amount. For the cause, a lot of students choose the students loan option as a fund of the collage fees.
Citibank USA offered low interest rates student loans to financial support of the US and abroad students. So if you are eligible to apply by the Citibank student’s loan program policy then you may apply both online and physically to this loan. Actually the student loans program policies of Citibank are similar to federal student loan program policy.

Citibank loans program:

There are different types of student loans such as CitiAssist Graduate loan for graduate students who need extra money for graduate law programs. CitiAssist law loan and CitiAssist bar exam loan for law students who need extra money for graduate law programs. If you feel the Citibank student loan programs are typically flexible for you then you may apply for the loan in the following ways.

You must need the following papers or information to apply:
1. Social security number (SSN).
2. Collage admission documents
3. Collage coast documents
4. Driving license (if applicable).

Online Apply:

There are a student loans management website, where applicant can be online apply easily from home. Citibank student loans program website name is and the site slogan is “Pay for collage”. So if you would like to the pay for collage program, you can easily online apply. To online apply visit the website and find out the student loan from list. After find out of your favorite loan, click the apply now button and put the essential information. Once if you have submitted an application, you may check your application status in any time from any where. To check your application status, click on the “check application status” link in the left side of home page.

Apply in a Citibank center:

To apply physically, please visit your nearest Citibank retail office or Citibank center and contact with a customer service manager or call at 1-800-7883368. We believe, the article will be help you, if you want to student loan from Citibank.