Tag: Loans

Small-Business Grants for Women: 10 Go-To Spots #grants #and #loans #for #small #business


Small-Business Grants for Women: 10 Go-To Spots

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If you’re starting a business and need outside financing, it’s natural to be wary of small-business loans. Why take on debt if you can get a grant that you won’t have to repay?

But small-business grants for women — or men, for that matter — can be hard to come by. “There’s not a pot of free money,” says Michelle Somes-Booher, a business consultant at the Small Business Development Center in Madison, Wisconsin.

If you need business financing, two more likely options are business credit cards and small-business loans for women. The competition is fierce for small-business grants, and it takes a lot of time and effort to find them and complete the applications. However, if you’re up for the challenge, the payoff can be worth it.

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Here are 10 places women entrepreneurs can look for small-business grants .

Federal small-business grants for women

The federal government offers some grants for small-business owners, but they’re designated for very specific purposes, such as certain research and development projects or for businesses in rural areas. Government grants can’t be used to cover startup costs or day-to-day expenses, and most aren’t earmarked specifically for women.

Grants.gov is a database of all federally sponsored grants. You can search for small-business grants here — just make sure you filter the results on the left side of the page to view grants specifically for small businesses.

2. InnovateHER Challenge

The U.S. Small Business Administration hosts an annual competition for businesses with a marketable product or service that positively affects women s lives. To participate, you must first enter and win a local InnovateHER Challenge to advance to the national semifinal round. The top three national finalists will win $40,000, $20,000 and $10,000, respectively.

3. Small Business Innovation Research and Small Business Technology Transfer programs

The SBA facilitates these two competitive programs, which ultimately provide grants to small businesses that contribute to federal research and development. Eleven federal agencies, including the departments of Agriculture, Defense, and Health and Human Services, post grant opportunities on their websites. You can search all grant opportunities on the SBIR website.

State and local small-business grants

Because federal small-business grants are limited in number and often very competitive, you may have better luck looking for grants at the state and municipal levels. You’ll have to do your own research to pinpoint specific grant programs in your area, but here are some places to look:

4. Women’s Business Centers

The SBA sponsors about 100 Women’s Business Centers nationwide, designed to help women entrepreneurs with business development and access to capital. Some, such as the California Capital Financial Development Corp. lend money directly, while others simply help you find small-business grants and loans that you may qualify for.

5. Economic development agencies

Every state and many cities have economic development agencies focused on promoting a strong local economy. Even if the agency itself doesn’t offer a small-business grant, it will likely be able to point you in the right direction.

6. Small Business Development Centers

There are hundreds of these SBA-sponsored centers around the country, typically housed at colleges and universities. SBDCs offer free, one-on-one business consulting. Set up a meeting with your local SBDC advisor, who will be able to tell you about grants and other business financing opportunities in your area.

Private small-business grants for women

Some private organizations and businesses have created national grant programs for women small-business owners. Here are two to look into:

The Amber Grant Foundation awards $500 to a different women-owned business every month. At the end of each year, one of the 12 grant winners is awarded an additional $2,000. The application is relatively simple: Explain what your business is, describe what you’d do with the grant money and pay a $7 application fee. The foundation’s advisory board chooses the winners, looking for women with passion and a good story.

8. Eileen Fisher Women-Owned Business Grant

Eileen Fisher, a women’s clothing retailer, awards $100,000 to up to 10 women business owners each year. To be eligible, women must make up at least 51% of your business s ownership and leadership, your business must have been in operation for at least three years, it must not exceed $1 million in annual revenue, and it must be focused on environmental or social change.

Two other good possibilities for grants

These options aren’t specifically for women, but they’re good small-business grants to consider:

9. FedEx Small Business Grant

FedEx awards up to $25,000 apiece to 10 small businesses annually. The application requires an explanation of your business, how you’d use the money, photos of your business and — this part is optional — a short video explaining your business. You don’t need a FedEx account to apply.

10. Mission Main Street Grants

Chase Bank gives $150,000 to 20 small businesses each year through its Mission Main Street Grants program. To be eligible, you must have been in business at least two years and have fewer than 100 employees, and the application includes answering five essay questions.

Find and compare small-business loans

NerdWallet has come up with a list of the best small-business loans to meet your needs and goals. We gauged lender trustworthiness, market scope and user experience, among other factors, and arranged them by categories that include your revenue and how long you’ve been in business.

To get more information about funding options and compare them for your small business, visit NerdWallet ssmall-business loanspage. For free, personalized answers to questions about financing your business, visit theSmall Businesssection of NerdWallet’s Ask an Advisor page.

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Small Business Assistance in PA #small #business #loans #in #pa


Small Business Assistance

Download PA’s comprehensive business resource guide to help you launch your business in Pennsylvania. Here you’ll find expert information regarding building a business plan, registration, funding advice, and more. Our e-guide is printer-friendly and eco-friendly!

How Can We Help You?


  • Our local and regional PREP partners have the experience and know-how to assist individuals who have an idea and need help with the basics of starting a new venture. PREP also meets the demands of existing companies that seek assistance in all aspects of successful business development and growth.
  • Reach out to your local SBDC to gain access to educational workshops and free, confidential consulting services. Offices are conveniently hosted at 18 universities and their 90 outreach centers located across Pennsylvania. Visit the PA SBDC website for more information at www.pasbdc.org .
  • Please contact your local SCORE office to schedule an appointment to speak with a mentor regarding business planning and strategizing. The service is free and confidential. Learn more about SCORE by visiting www.score.org.
  • Visit a local SBA office or one of its partner locations to access the federal government’s vast array of resources, services and programs focused on assisting the establishment of startups and the growth of established small businesses. Many of the resources, articles, and the information on programs can be found simply by visiting their website: www.sba.gov


  • Registration for businesses based in PA (domestic) may use PA Department of State’s online filing system, PENN File. Sole proprietorships and partnerships may file a fictitious name while entities may file as an LLC, Corporation, etc. Those with filing questions and businesses based outside of PA (foreign), should contact the Department of State: 717.787.1057.
  • Federal Employer Identification Number (EIN) registration can be completed online by visiting the IRS application page. There is no cost to register your EIN. Filing questions can be directed to the IRS’s Business Tax Line: 1.800.829.4933.
  • Hiring a new employee? PA Department of Labor & Industry’s New Hire Reporting Program has you covered. Here, employers are provided with all the information needed to fully comply with Federal and State mandates to report their newly-hired employees. Visit Pennsylvania Career Link’s New Hire Reporting Program homepage. Further questions regarding hiring and employment can be directed to 1.888.724.4737 (1.888.PAHIRES).
  • PA Sales Tax ID and related tax accounts are filed with the PA Department of Revenue. This is not the same as a Federal Employer Identification Number (EIN). You may file your PA tax accounts online through the PA-100. If you are unsure as to whether or not your business is required to have a sales or other state tax ID, please contact the Department of Revenue for clarification: 717.787.1064.
  • Home Improvement Contract (HIC) Registration. or “PA #”, can be registered with the PA Attorney General’s Office via the HIC Registration page. Contractors with questions about filing requirements may contact the contractor helpline: 717.772.2425.
  • Special licensing and other registration questions can be directed to the Small Business Assistance Network: 1.800.280.3801.


  • DCED offers loans, loan guarantees, tax credits, bonds, and grants. Grants to start a business are not available. Each program has a designated set of guidelines and eligibility requirements. Please read about the program’s eligibility requirements before applying. If you have questions regarding a specific program, you may use the contact information provided in the guidelines or contact the Small Business Assistance Network (1.800.280.3801). For more information, visit DCED’s list of programs .
  • Partnerships for Regional Economic Performance’s (PREP) regional representatives can help assist small businesses locate funding in their local communities.
  • While the Pennsylvania SBDC does not provide financing or loans, your local center will work with you to provide the best tools to finance your small business. When you’re ready, contact your local SBDC for more information.
  • The U.S. Small Business Administration (SBA) offers a variety of loan programs for very specific purposes. They also play other important roles in helping entrepreneurs finance or grow their business. The SBA website provides detailed information on what is needed to secure loans and financing.


  • The description of a diverse business includes, but is not limited to: minority-owned, woman-owned, veteran-owned, disability-owned, and LGBT-owned businesses. The PA Department of General Services’ Bureau of Diversity, Inclusion & Small Business Opportunities (BDISBO) is responsible for assisting small diverse businesses interested in competing for Commonwealth contracting opportunities. To learn more or become a verified, self-certified small diverse business, please visit the BDISBO webpage or call the Bureau: 717.783.3119.
  • DCED offers programs including, Small Diverse Business Capital Access Program (SDBCA). Pennsylvania Minority Business Development Authority (PMBDA). and Business Opportunities Fund (BOF) to assist disadvantaged and diverse small businesses access financing.
  • For more information regarding services and resources offered to disadvantaged and diverse small businesses, contact the Small Business Assistance Network: 1.800.280.3801

Comments or Suggestions. Let us know how we can improve our resources and webpage to assist you better.

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Create, restore credit with a credit-builder loan #credit-builder, #loans


Create, restore credit with a credit-builder loan

These small loans come in a variety of flavors with a range of interest rates

By Allie Johnson | Published: April 23, 2015

Have bad credit, a thin credit file or no credit? A little-known tool called a credit builder loan may be just what you need.

Credit builder loans are small loans, made by some credit unions and a few banks, designed to help consumers establish or boost a credit profile.

Different types of credit builder loans also offer other financial benefits. For example, an unsecured (meaning no collateral is needed) credit builder loan offers a lump sum upfront that can be used for an emergency expense, such as a car repair, new appliance or medical expense. Another type, which freezes the loan proceeds until the total amount has been paid off, forces you to save.

About one in five credit unions offer credit-building loans to members, says Mike Schenk, vice president of economics for the Credit Union National Association.

Most credit-building borrowers seeking a loan do so as a step toward a financial milestone, such as getting a credit card or obtaining a mortgage, says Sarah Chenven, director of programs and strategic initiatives for the Credit Builders Alliance, a nonprofit organization that helps improve consumer access to credit.

People usually have a larger goal in mind, she says.

The basics of credit-builder loans
Credit-builder loans usually are offered in modest amounts, typically ranging from under $500 to $1,500, to consumers who need credit help, but have their financial situation under control.

For example, the Greater Iowa Credit Union requires a borrower to have been a member for at least three months, to have six months at either their current job or residence, and to have no recent checking overdrafts, says Alan Johnson, senior lender at the Greater Iowa Credit Union. We want to see some stability.

Interest rates vary, but tend to be lower for secured loans and slightly higher for unsecured loans, Johnson says. For example, the Greater Iowa Credit Union offers a two-tier, credit-builder program where the borrower first gets an unsecured loan for $1,000 and repays it over seven months, then can borrow $1,500 over a year. The interest rate is set based on risk, and an APR for a consumer with no credit score could be as high as 19.99 percent, Johnson says.

You might get sticker shock at the rate, he says, but he adds that rates seem high because the loan amounts are low. In fact, the total amount of interest paid on the first loan at that rate would be $67, he says.

Lenders structure the loans in different ways. However, there are three main types of credit building loans:

  • A loan secured by the loan funds. With a pure credit-builder loan, the lender puts the loan amount in a locked savings account and gives it to the borrower only after receiving the final payment, Chenven says. It’s very safe for the customer and very safe for the issuer, she says. For example, Republic Bank offers loans of $500, $1,000 or $1,500 for 12, 18 or 24 months. The APR ranges from just over 6.8 percent on $1,500 borrowed for two years up to 23.3 percent on $500 borrowed for one year. There are two upsides: you don’t have to come up with cash upfront to secure the loan and you end up with a nest egg.
  • A standard secured loan. This type of loan is secured by money the consumer already has in a savings account or certificate of deposit. For example, Achieve Financial Credit Union in Connecticut offers a secured credit-builder loan at an APR of 12 percent plus the interest rate on the account being used as collateral. The collateral account is frozen, and funds are released incrementally as the loan is paid down. The challenge is, do you have the money to put down? Chenven says.
  • An unsecured loan. Unsecured credit-builder loans work well for consumers who need cash upfront for a personal expense, Johnson says. You get the loan, and you have the money in your pocket that same day, he says. St. Mary’s Bank, a New Hampshire credit union, for example, offers an unsecured credit-builder loan for a maximum of $500 for 12 to 24 months at 7.74 percent APR with payments made by automatic funds transfer. If you pay off the loan as agreed, the interest gets refunded. Unsecured credit-builder loans provide an excellent alternative to payday loans, as long as the consumer can get the loan and afford the payments, Chenven says.

How a credit -builder loan affects your credit
So, what happens to your credit after you get a credit builder loan and start making payments? If you’re starting out with no credit history at all, you will create one with the loan and can get a credit report once the loan account is reported to the credit bureaus, according to Experian, one of the three major bureaus.

Some people get impatient and want to pay it off sooner, but the whole purpose is to build credit, and credit takes time.

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Lender Lister – Business Directory #local #lenders, #residential #lenders, #banks, #wholesale #lenders, #commercial #lenders,


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Easy Online Payday Loan #cash #advance,faxless #payday #loan,instant #payday #loan,internet #payday #loans,loan #payday,no #fax


Get Payday Loans Online Fast

Easy Online Payday Loan is the #1 site for all your no fax payday loan needs. When you need a fast payday loan, Easy Online Payday Loan is here to assist you!

What is a Payday Loan?

A payday loan is a short-term loan to cover your spending needs. It is secured against your future paycheck. Cash advance payday loans have grown in popularity over the years and are used by millions of people just like you to pay for unexpected expenses that arise. If there is an emergency and you need money quickly, a cheap personal loan can help. Just be sure to only borrow what you can afford to pay back when you receive your next paycheck.

Payday Loan Cash Advance Requirements

The payday lenders in our network require that you are at least 18 years of age, maintain a regular source of income, and have a direct deposit system set up with your local bank. If you meet the loan qualifications of the lender, you may be on your way to getting the cash you need – get started with us today!!

Get information about
payday loans in your state.

Why Payday Loans Online Beat the Alternatives

Our remarkably fast and easy-to-use form is what sets us apart from the other faxless payday loan sites on the Web. Shopping online for your payday loan is much easier than going to a physical location, making it a faster and more convenient way to get the cash you need all from the comfort of your own home. Our trusted lenders offer superior service to a wide variety of consumers, so your financial history will likely not prevent you from being approved for a loan. You can get up to $1000 deposited in your account as soon as tomorrow. Avoid the bounced checks, overdraft and NSF fees by getting a cash advance loan to hold you over until your next paycheck arrives.

Using our online loan service is more discrete than going to a payday loan store and you don’t have to worry about forgetting the necessary documents. Your transaction information is completely private and what you provide to us stays with us! No one will ever know you got a faxless payday loan. We have all been in your position at some point, so relax and let us help you get back on track quickly and easily with an Easy Online Payday Loan! Fill out the form above or give us a call at 866-634-4358 to get started!

Consumer Notice: Payday loans are intended for short-term financial needs only, and should not be used excessively. If you have mounting debt or credit troubles, Easy Online Payday Loan suggests you seek the advice of a credit professional.

*Most lenders fund the next business day. Cash tranfser times vary betweeen lenders. Easy Online Payday Loan has no control over the time it takes to receive your funds.

**Additional loan requirements may exist. Not all third party lenders have the same qualification requirements; loan services vary from state to state. For more information, please review our Terms of Service.

Actual loan amounts provided by our affiliates vary based on residency and assessed financial eligibility.

IMPORTANT: The information you provide is used to match you with a third party payday loan lender in our network. Easy Online Payday Loan and its affiliate lenders may verify personal information and past loan transactions during the loan approval process. Not all applicants will qualify for the faxless loan approval process or the loan amount requested. Refer to our Privacy Policy for additional information. Source: http://www.nofaxquickcashadvance.com .

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Providers of Payday Loans – Car Title Loans in Texas #texas #payday #and #title


Approved Money Center is a Premier Payday Loan Provider

Looking for a payday loan provider in Texas? You’ve come to the right place! Approved Money Center offers you solutions when financial emergencies and unforeseen expenses arise. We specialize in online and in-store payday loans making it more convenient than ever to get the quick cash you need.

We understand there are times when getting by until your next paycheck goes in the bank may not be as easy as it sounds. A car repair, an unplanned visit to the dentist, expenses associated with children; it’s part of life’s surprises. Getting an online payday loan with Approved Money Center can be what gets you through that momentary lapse of cash.

Getting a Payday Loan is Fast and Convenient

Our online payday loan application, approval, and funding process as good as it gets! It takes about 3 minutes to apply. and with just a little bit of information, we can have you on your way to getting your Texas online payday loan directly deposited into your bank account the next business day. Bridging the gap between paychecks can bring you peace of mind and keep you from incurring late fees and charges on your bills. We won’t run your credit or ask you any embarrassing questions!

If you prefer working with one of our customer service representatives in person, visit one of Approved money Center’s premier payday loan lending stores. With have over 30 locations to serve you and are happy to answer all of your questions. We believe in building lasting relationships with our customers by offering fast, fair and friendly service. As a Texas payday loan provider we abide by all rules and regulations set forth by the state. Approved Money Center is here for your quick cash needs!

Approved Money Center is Leading the way with Auto Title Loans

Auto title loans are a great way to get the cash you need without having to hassle with banks or credit unions. Approved Money center makes the process fast and convenient by taking the equity in your car or truck and putting it to work for you. If you have a steady job and income, own your automobile outright, and can provide us with the “pink slip”, we can get you funded overnight without the hassle of a credit check.

Getting a Texas auto title loan doesn’t mean you have to give up your car; simply the equity it holds. You will still drive your car or truck as you always do. How does it work? We base your loan amount on the FMV (Fair Market Value) of your car. The higher the value the more you will be approved to borrow.

An Approved Money Center Auto Title Loan puts your car to work

You’ve invested in your car over the years why not put that investment to work for you when you need it most? Getting a Texas auto title loan is simple, fast and convenient. We don’t hassle with credit checks or tedious applications. It takes only a few minutes to get started by filling out our easy online application. All it takes is some basic information and we can get started on approving and funding your loan. We are Texas’ premier auto title loan lender offering some of the lowest rates around. Whatever it is you need cash for, Approved Money Center is here for you. Get started now and be on your way to solving your cash crisis!

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Wrecked Damaged Salvage Rebuildable Ferrari Cars For Sale, salvage title loans.#Salvage #title #loans


salvage title loans


Salvage title loans

2010 Ferrari F149 California – Collision Damage – $33,900

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The cars posted for sale on this page are just a few examples of our inventory of damaged, rebuildable Ferrari and Lamborghini cars. Every car is sold with a title and documents necessary for worldwide export. Inspect and purchase these vehicles in-person or buy them online with insured delivery to your front door. National and international delivery available to any location.

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Business Loans #business #loans, #business #loan, #small #business #loans, #small #business #loan, #personal #loans,


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Business Loans

Fast Business Lending Solutions Merchant Advisors offers small businesses a platform for business financing. Whether you need funding for expansion or working capital, Merchant Advisors gets you the business financing you need when you need it at minimal costs.

We understand that every business has its unique borrowing needs. Some may want to make new purchases to boost productivity and sales; some need working capital to support operating costs. That’s why we offer the use of innovative technology to offer simple, fast and unsecured business loans. As a non-bank lender, Merchant Advisors offers low longer terms and low rates for more effective business financing. We realize that if a loan costs too much – we may not get paid back! We prevent this by offering affordable business financing.

Unlike bank lending, our financial experts walk you through the loan process to make sure you have a full understanding of our loan process. We strive to make the loan application process as easy as possible; and this is what sets us apart from other lenders.

A Smarter Way to Shop for Business Loans, Compare & Save! Our goal is to serve our clients’ immediate and long term financial needs from basic business loans and credit lines to the most intricate financial situations. In today’s fast paced market time is money and we make sure you waste neither. Our experienced financial advisors keep their finger on the pulse of your business, and stay on top of your industries trends which can affect your entrepreneurial goals or existing enterprise.

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Student Loan Refinance – Find a Loan #student, #loans, #refinance, #e #student #loans, #education,


Student Loan Refinance Program

Student Loan Refinance Program Features

  • Take control of your student loans with a Student Choice Refinance Loan from DCU.
  • You’ll be able to refinance and consolidate your private and federal student loans into one manageable loan, setting up one convenient payment, and potentially saving thousands of dollars in interest rate charges.
  • Featuring a competitive interest rate, our refinance loan can help you simplify your life while amplifying your funds.

Please refer to Details and Rates tabs for additional information and important disclosures.

Student Loan Refinance Details

What You Need to Know Before You Borrow:

  • Refinance your private or federal student loans, including PLUS loans, up to $100,000
  • Keep in mind that by refinancing federal student loans, you may lose certain borrower benefits from your original loans. These may include interest rate discounts, principal rebates, or some cancellation benefits that can significantly reduce the cost of repaying your loans.
  • Receive a 0.25% rate discount for automatic electronic payment 1

Who’s eligible?

  • U.S. citizens or permanent residents who have graduated from an approved public or private not-for-profit school 2
  • In repayment or grace on one or more outstanding private or federal student loans
  • Able to pass a credit check (A co-borrower may be necessary in order for you to meet credit criteria, and may also help you qualify for a lower rate)

1. If your loan is subject to a floor rate (also known as a minimum interest rate) as specified in your promissory note, your rate will never be less than the floor rate.

2. Approved schools subject to change.

Variable Rate Solution

The Annual Percentage Rate (APR) is variable 1 and is based on the Prime index 2 plus a margin 3. The rate you receive depends on your credit qualifications and the repayment term you select.

The current offered variable rates are 4 :

between 5.00% and 9.50% APR

All loans are subject to approval and restrictions may apply. Digital Federal Credit Union reserves the right to change rates for new applications at any time and without notice. Credit union membership and a minimum share deposit is required. Contact us for membership details.

Important. Please remember that federal loans do offer certain benefits and protections that do not transfer to a private loan. By refinancing your federal student loans to a private loan you will lose any federal benefits that may apply to you. Please review this important disclosure for more information.

Rates are effective .

* Rates shown include a 0.25% discount for optional enrollment in automatic electronic payments.

1. Variable interest rate solution: the rate is subject to increase after consummation. Your Interest Rate is variable and may be adjusted quarterly based on the Index. Any increase in the Index may increase the APR and may increase the amount of your monthly payment.

2. As of March 1st, 2017, the Prime index (Index), as published in the Wall Street Journal, used is 3.75%. The interest rate will not exceed 18.00% regardless of the Index.

3. Margin will be disclosed upon approval. This Margin is added to the Index to determine the calculated interest rate.

4. Current offered rates are calculated using the Index, Margin, and Floor values in effect. Your specific Interest Rate, Margin, Floor, and/or credit approval will depend upon the student borrower’s and co-borrower’s (if applicable) credit qualification. Applicants may apply with a creditworthy U.S. co-borrower which may result in a better chance of approval and/or lower interest rate.

5. Fixed interest rate solution: your interest rate is fixed and is based on your credit qualification and the repayment term you select. Your actual rate within the ranges stated will be disclosed upon approval.

APR = Annual Percentage Rate.

Examples provided use highest current offered rate in effect for each repayment term and assume a constant interest rate on a $50,000 loan amount. Rates shown include a 0.25% discount for optional enrollment in automatic electronic payments.

Variable Interest Rate Solution

  • 5 year loan term: with a 7.00% APR, the monthly payment will be $990.06. Finance charges will be $9,403.55
  • 10 year loan term: with a 7.50% APR, the monthly payment will be $593.36. Finance charges will be $21,221.05.
  • 15 year loan term: with a 8.00% APR, the monthly payment will be $477.83. Finance charges will be $36,008.08.

Fixed Interest Rate Solution

  • 5 year loan term: with a 8.25% APR, the monthly payment will be $1,019.81. Finance charges will be $11,188.60.
  • 10 year loan term: with a 8.75% APR, the monthly payment will be $626.63. Finance charges will be $25,195.60.
  • 15 year loan term: with a 9.25% APR, the monthly payment will be $514.60. Finance charges will be $42,628.00.

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Can I refinance student loans I ve already consolidated

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