Scholarship and Fellowship Offers

Undergraduate Scholarship
This category contains international scholarships for undergraduate and college levels. Undergraduate is the name given to students who are studying for their first degree.

Postgraduate Scholarship
Postgraduate is the level of university degree beyond the undergraduate. The postgraduate degrees include masters (MA, MBA, MEd, MSc) and doctoral degrees, or PhD. In this category you will find scholarships for international students at the postgraduate level.

Postdoctoral Fellowship
All offers for those beyond the doctoral or PhD level are grouped in this category. It may include postdoctoral positions and other academic related positions.

Nondegree
The term ‘non-degree’ is used to group or categorize scholarship offers which originally do not have any information on the degree of education required. It includes summer school opportunities, academic awards, academic competitions, etc.

Read more about scholarship and fellowship offers through this link

What are the interest rates on your loans?

If you have variable interest rates on your Federal education loans, you may want to consolidate. The interest rate for a Direct Consolidation Loan is fixed for the life of the Direct Consolidation Loan. The rate is based on the weighted average interest rate of the loans being consolidated, rounded to the next nearest higher one-eighth of one percent and can not exceed 8.25 percent. Use our online calculator to find out what your weighted average interest rate would be if you consolidate with us.

Read on through this link

Too many monthly payments driving you crazy?

If you send payments to more than one lender every month, and want the convenience of a single monthly payment, consolidation may be right for you. With a Direct Consolidation Loan, you will have a single lender - the U.S. Department of Education - and a single monthly payment.

Read on in this link

Are your monthly payments manageable?

If you have trouble meeting your monthly payments, have exhausted your deferment and forbearance options, and/or want to avoid default, a Direct Consolidation Loan may help you. Use our online calculator to find out what your monthly payments would be under each of our repayment plans.

Read more in this site

Consolidate Student Loans

Overwhelmed by student loans? We can help you save money with consolidation!

What It Is

Student loan consolidation combines all of your student loan debts into one, lower-interest loan. When you consolidate student loans, you can lock in low, fixed interest rates, reduce monthly payments, and/or lengthen the amount of time you have to repay the loan. You can consolidate student loans using federal or private consolidation loans. You can apply for both right here on our site.

Why Consolidate Student Loans

The benefits of consolidating your student loans are substantial. Almost anyone with student loans can benefit from a consolidation loan. With most student loans, your interest rates can rise considerably unless you lock in a fixed rate with a consolidation loan. Here are some of the reasons you might want to consolidate student loans:

• No credit check required for federal consolidation
• Apply online
• Combine all student loans into one easy monthly payment
• Lower your monthly payments by up to 50%
• Get up to 20 years more to repay your student loans
• Get a low, fixed interest rate that lasts for the life of the loan
• No cosigner necessary for federal consolidation
• No origination or application fees
• No prepayment penalty

Read more about consolidation here

BestLoanPrice: Who Can Apply For Our Loans

Consolidating your student loans is defiantly the way to go, but do you qualify? Do you need to apply for consolidation? Here is a handy guide to tell you if you are eligible and if you should apply.

You Should Consolidate If:

• If you are having trouble paying your monthly payments because they are too high
• If you are paying off multiple student loans and you are losing track of what goes to who.
• If you feel your interest rate is currently way to high.

You Are Eligible If:

• You have more than $7,500 in student debt
• Have graduated for fallen bellow half time student status
• If your loans are in grace period, repayment, deferment or forbearance
• If you are a parent, you can consolidate any time.
• If you have no other loans currently consolidating.
• You must be a US citizen

Read more about this in this link

How To Consolidate Student Loans

Student loan consolidation is a repayment tool that will allow you to take all the student loans you have received over the course of your college education and combine them into one loan. When you receive a student consolidation loan the lender will pay off all your debts to your creditors. You will then only be responsible for paying one monthly payment to the company that you consolidated your student loans with.

The Student Loan Consolidation Process:

• Loan #1: $4,000 at 7% interest
• Loan #2: $5,000 at 9% interest
• Loan #3: $5,000 at 9% interest
• Loan #4: $5,000 at 10% interest

The total amount of your loan equal $19,000. Under the insurance rates of your loans you will be paying $239 a month for the next 180 months, which amounts to 15 years. If you consolidated you would take out a $19,000 loan at an 8.9% interest rate your monthly payment would be $191. That is a savings of $48. An 8.9% interest rate of a student consolidation loan is a high estimate, a lot of times you can get it in the 6.25% range. If you decide to consolidate during your grace period, the time in-between your graduation and when you start paying the loan, you can usually get an even lower interest rate. Bottom line, consolidation saves you money right now.

Read more at http://www.bestloanprice.com

Student Loans Help Most Through College

Student loans are essential in affording college educations. If you don’t get a full ride and you don’t come from a well to do family, you have no other option. Since federal student loans do not always cover the entire cost of your education you may have to get a private student loan as well. All these loans can become incredibly difficult to pay off in the future. Consolidating your student loans will allow you to lower your interest rate and monthly payment, while extending your loan, and make it easier for you to make your monthly payments will still paying for the other necessities of life. Consolidating your student loans can make your life easier.

Read more about student loans through this link

Consolidate Your Student Loans Easily!

Have you or your child just graduated college? If you took out student loans to get you through college then you spent the last four years getting a world class education without paying for it. Now that your grace period is close to ending you are going to have to start paying those college bills soon. Perhaps your original bills were too high or you did not get the desired interest rate you wanted. Consolidating your student loan might be the only way you can afford to pay for that degree that is coming in the mail.

Read more in this link

Federal Student Loans

Federal student loans are the largest source of education loans. You and your family can get these loans through private financial institutions such as Sallie Mae.

Federal student loans have more favorable terms than private loans. These loans are guaranteed by the government, and the government sets their low interest rate. Nearly all students are eligible to receive federal student loan money (regardless of credit score or other financial issues), and federal student loans feature a grace period after school when no payments are due.

Read more from salliemae.com

How much can you save each month?

How much can you save each month?

If you consolidate student loans right now, you could save hundreds of dollars a month. Here's a quick chart showing how much you could save on your monthly payments:

Total Loans	Current Payment	After Consolidation	Monthly Savings
$30,000.00	$342.48	$227.22	$115.26!
$40,000.00	$456.64	$275.10	$181.53!
$50,000.00	$570.80	$343.88	$226.92!
$75,000.00	$856.20	$483.96	$372.24!
$100,000.00	$1,141.59	$645.28	$496.32!
Click Here to Consolidate Student Loans! Calculate Your Savings!

Savings shown are based on the current Stafford Loan interest rate of 6.8%; borrowers in grace periods, with student loans other than Stafford (i.e. PLUS or Perkins loans), or with Stafford Loans older than July 1, 1998, will have different interest rates.

Read more about this in this site: http://www.studentloanconsolidator.com/

EdFed: Student Loan Consolidation

Loan consolidation is the channel through which you can bring all your loans under one single policy and reduce the monthly payments by increasing the duration of the loan. Consolidation has loads of benefits, some being:

• Lower rate of interest
• Locking in loans at a lower interest rate
• Lower monthly payments
• Worrying about just one loan instead of many
• Longer repayment schedule

Bear in mind that we are talking specifically about student loans. There is consolidation available from other type of loans too, but at EdFed we deal with only your student loans.

The logic behind consolidation is simple. consolidation merges all your loans and bills into one single payment. It reduces your (the borrower's) monthly bill of loan repayment. In simpler terms, think of it this way: If you have to pay $100 in 5 years, you pay $20 every year (ignoring any interest component), and if you have to pay the same $100 in 10 years, you pay $10 every year. And in certain cases, the monthly payment burden gets reduced, and the loan payment period also doesn't get increased. This is what consolidation does; it reduces your monthly expenditure on loan repayment and gives you that extra cash in hand.

Read more about EdFed's student loan consolidation here...

EdFed: Seven flexible repayment plans

EdFed offers seven different repayment plans for your consolidation loans, giving you extreme flexibility for your repayment. We offer the following plans:

Equal Payments: This option provides equal monthly payments over the term of the loan.

Select 2/Graduated Payments: This option allows for interest-only payments for the first 2 years of repayment. In the third year, payments increase to level installments of principal and interest payments for the remaining term of the loan.

Select 5/Graduated Payments: This option allows for interest-only payments for the first 2 years of repayment. In the third through fifth years, payments increase to include a portion of principal. In the sixth year, payments increase to level installments of principal and interest payments for the remaining term of the loan.

Income-Sensitive Payments: This option provides for payments to be adjusted annually, based on your expected total monthly gross income from employment and all other sources. Your account will initially be disbursed at the Select 2/Graduated repayment plan. After the consolidation loan is disbursed, you must contact your servicer to qualify. Once eligibility is determined, your servicer will calculate your new payment.

Read more repayment plans at Edfed.com

EdFed: Federal Loan Consolidation

Federal loan consolidation allows you to consolidate your outstanding federal education loans into a single new loan, even if your loans are currently held by more than one lender and are of different loan types. By consolidating your student loans, you can significantly lower your monthly payments by lengthening the term of your loans and locking in a low fixed interest rate. Most importantly, you can save thousands of dollars during the entire repayment term.

Additional Federal Loan Consolidation Benefits: Fixed rates as low as 6.75% Extended repayment term with lower monthly payments No fees No credit checks No prepayment penalties Seven flexible repayment plans Turn several monthly payments into one Deferment and forbearance available

Fixed rates as low as 6.75%

By locking in the current low rates, you can lock in a fixed rate as low as 6.75%!

Know more about this topic at Edfed.com

EdFed: America's Top Student Loan Provider

EdFed is dedicated to assisting students and graduates with financing their college expenses and managing their education loans. We specialize in education lending, and we are dedicated to ensuring your loans are handled professionally while offering you money-saving benefits.

If you graduated in 2009, or if you will be graduating within the next few months, we would like to congratulate you for obtaining your hard-earned degree. Also, we would like to provide you with some very important information regarding federal student loan consolidation. You must consolidate during your grace period to avoid an interest rate increase of 0.60%. If you wait until your grace period ends, your interest rate will automatically be 0.60% higher. When you consolidate during your grace period, you will have no payments due until your grace period has ended. You have nothing to lose. There really is no reason to pay this higher rate on your federal student loans!

With student loan consolidation, you can lock in a low, fixed interest rate for the life of your loan--and there are no fees, credit checks, income verifications, or prepayment penalties. This will help you reduce your monthly payments by nearly 50% and save you thousands of dollars over the life of your loan.

read more about EdFed in this site: http://www.edfed.com/

Federal Student Loan Consolidation Int3erest Rates

The rate will be a fixed rate equal to a weighted average of the interest rates on your existing loans rounded up to the nearest one-eighth of one percent.

Federal Consolidation interest rates are based on the weighted average of student loan interest rates. Federal student loans disbursed on or after July 1, 2006 have an interest rate of 6.8%. Federal student loans disbursed before July 1, 2006 will remain variable interest rate loans. These loans will re-adjust every July 1 based on the results of the 91-day Treasury Bill. Currently, interest rates for these variable loans are:

* Stafford Loans in grace: 6.62%
* Stafford Loans in repayment: 7.22%
* Stafford Loans in repayment prior to 7/1/98: 8.02%
* PLUS Loans: 8.02%
* Perkins Loans: 5%
* HEAL Loans: 4.125%
* Previous consolidations: existing consolidation rate
* Click here for updated information about consolidation loan interest rates.

Take a look at our Loan Calculator to help you figure out your new rate and monthly payment.

Please note that we cannot guarantee any interest rate due to the time it takes to process an application. We can only provide rough estimates; you should not rely on these estimates for financial planning! Why? Because consolidation takes between 30 - 60 days, and in that time period, you may be making payments, or your loan status may change. Because your interest rate is determined not only on the type of loan you have, but also on how much you owe, we can make no guarantee except to say that your interest rates will never exceed federally specified, published rates.


Read more about the interest rates here

Federal Student Loan Consolidation FAQ

Federal school Loan Consolidation is a great tool that allows borrowers to merge all of their federal loans into one new loan.
What are the benefits of federal consolidation loans?

* Reduces your monthly payment up to 53%
* Simplified finances - you make only one payment each month
* Provides budget friendly repayment options
* Improves your credit rating
* Saves you money today when you need it most

Student loan consolidation allows borrowers (parents or students) to lock in today's low rates and to combine several federal student loans into one loan, simplifying repayment. Because repayment can be spread over a longer time period, your monthly payment amount will be lower.
What about none-student loan debt, can that be consolidated?

For any other debt you may have, including credit cards and personal loan debt, we offer a free debt consultation service. You can reduce your debt up to 50% and become debt free in as little as 12-48 months. Find out more about debt consultation.


Read more about Federal Student Loan Consolidation FAQ in this link

Student Loan Consolidation Benefits

How big is your monthly payment?

Let's face it, life after graduation can get very expensive. With all the living expenses tied into post grad life, including housing costs, car payments, and relocation, why worry about a huge school loan payment? Student loan consolidation can reduce your monthly payment, and help you manage your budget.
Take advantage of these benefits:

* Reduce your monthly payment by as much as 53%
* No penalties for early repayment
* Improve your credit score
* Simplify your monthly bill-paying paperwork with one payment a month
* No credit check, no co-signers needed, and no fees
* Consolidation loan interest is Federal Income Tax Deductible

Read more about Student Loan Consolidation Benefits here

How Student Loan Consolidation Works - Step 4

Step 4: Application Processing

Upon receiving your signed application, your loan counselor will check the application for errors. We also check to make sure it complies with all federal guidelines set forth for federal loan consolidation. This ensures that your application is completed quickly and accurately.

After your application is submitted for processing, the loan retrieval" begins. We contact your lenders for the exact amount you owe; this information is sent to us on a loan verification certificate, or LvC. This process can take up to 60 days depending on the response time from your lender(s). Once we have valid LvC's from your lender(s), we will send them a check for the balance of your student loans.

Once the check is sent to your lender(s), your loans have officially been consolidated. You will receive a new statement from us detailing when your first payment is due, and when each payment is due thereafter. Your previous lenders can take a week or two to close out your accounts, so do not be alarmed if you get a statement from us, and a statement from your old lender. This is normal.

Read more about How Student Loan Consolidation Works here

Step 2: Locate Your Student Loans & Step 3: Sign and Mail

Step 2: Locate Your Student Loans

As a result of recent changes at the Department of Education, you'll need to provide your student loan information with your consolidation application. There are several ways that you can locate your student loans and our loan counselors will gladly walk you through each process.


Step 3: Sign and Mail

Once you have reviewed the promissory note, and understand the terms, you will sign and return it to us. Either by eSignature online, or by sending the paper application back in our pre-paid envelope.

Read more about How Student Loan Consolidation Works here

How Student Loan Consolidation Works - Step 1

We are here to make the student loan consolidation process easy by providing information and support via the web and phone. The following step-by-step guide will help you understand how consolidation works and how it will benefit you for years to come.
Step 1: Apply for Consolidation

The first step in consolidating your student loans is applying for a consolidation loan using our free, no-obligation application form. When you apply, you'll have the choice of receiving an application and information packet via eSignature or postal mail. Your packet will contain a consolidation application, as well as information about your discounts, and details on how your interest rate is computed.

Read more about How Student Loan Consolidation Works here

Private Student Loan Consolidation Rates

Private student loan consolidation interest rates are variable, based on either the LIBOR (London Interbank Offered Rate) or the Prime rate, plus a margin for borrower and/or co-signer credit.

Origination fees can range between 1% and 5% depending upon your individual credit or the credit of a co-signer. Any fees that associated with the loan are capitalized (added to the loan) typically at the time repayment begins, which increases the amount borrowed but avoids any out-of-pocket expenses at loan closing.

Read more about Private Student Loan Consolidation Rates here

Federal Consolidation Interest Rate

Federal Consolidation interest rates are based on the weighted average of student loan interest rates. Federal Stafford loans disbursed between July 1, 2006 and June 30, 2008 have an interest rate of 6.8%*. Stafford loans disbursed after July 1, 2008 have a rate of 6.0%.

However, Federal student loans disbursed before July 1, 2006 will remain variable interest rate loans unless consolidated. These loans will re-adjust every July 1 based on the results of the 91-day Treasury Bill. The rates listed below go into effect on July 1, 2008 for variable rate loans:

3.60% - Stafford loans in grace (down from 6.62%)
4.21% - Stafford loans in repayment (down from 7.22%)
5.01% - Parent PLUS loans (down from 8.02%)

Read more about Federal Consolidation Interest Rate here

What Qualifies for Federal Student Loan Consolidation?

Federal loan consolidation can include Federal Stafford Loan consolidation, PLUS Loan consolidation, Direct Loan consolidation as well as Perkins Loans, HEAL Loans and all Federal FFELP and Direct Loans taken to pay for your education. Private student loan consolidation is different - You will lose your federal loan benefits if you consolidate your federal loans into a private loan consolidation.

Read more about What Qualifies for Federal Student Loan Consolidation? in this link

You will be eligible to receive a Graduation Reward when:

The student graduates from the degree program that the loan was used to fund, the graduation date is less than six years after the date of the loan's first disbursement, and the loan is not in default on the graduation date.

Upon graduation, if you have more than one participating loan, you may be eligible to receive a Graduation Reward on each loan. However, you will not receive a Graduation Reward more than once for the same loan, even if the student receives more than one degree. We may request proof of the graduation date and degree from the student or the school, in order to confirm eligibility for the Graduation Reward. If you default on your loan or consolidate or refinance your loan with another lender prior to redeeming the Graduation Reward, you will not be eligible for a Graduation Reward. We will calculate the Graduation Reward by multiplying the outstanding principal balance of your loan on the last day of the month of graduation by 2% (0.02) and rounding to the nearest cent. The outstanding principal balance used for the calculation will not include accrued and unpaid interest, which may be capitalized when your loan enters its repayment phase.

Read more conditions on this site

Federal Student Loan Consolidation Payment Relief

One of the key benefits of consolidating your federal school loans is payment relief. By combining all of your student loans into one consolidated loan, you can lengthen your repayment term from the standard 10 years to up to 30 years, depending on the amount of your education debts. With a lower monthly payment, you'll have more money available to meet other living expenses, including car payments, housing expenses, and career-related necessities. Because there are no penalties for overpayment, you can make larger payments and reduce your repayment term when it becomes affordable. Learn more about how student loan consolidation works in this step-by-step tutorial.

Read more about Federal Student Loan Consolidation Payment Relief here

Alternative Student Loan Eligibility

n order to qualify for a private student loan, applicants must be enrolled at least half-time at an eligible school and typically meet the following requirements:

* Must be a U.S. citizen or permanent resident
* You and your cosigner must pass a credit check

Apply Online for an Alternative Student Loan
What is Considered Good Credit?

It is recommended that you review your credit report before you apply for an alternative student loan. Creditors look at Personal data such as employment history, a summary of credit history, details of any accounts turned over to a credit agency, and your current FICO score.

A FICO score is a standard credit scoring method that determines the likelihood that consumers will pay their bills. Typically, a FICO score ranging from 680-700 is considered fair, and anything over 700 is considered good. While your FICO score is not the only deciding factor when applying for an alternative student loan, it does play a major part in the approval process.


Read more about the Eligibility on Alternative Student Loans here

Federal Student Loan Consolidation

Federal student loan consolidation is a fixed-rate refinancing program that combines all of your existing federal student loans into one new loan. Consolidation is a great tool for managing your finances - providing immediate payment relief and long term benefits. With our fast and convenient eSignature, your application will be complete in just a few minutes.

* Cut your monthly student loan payment by as much as 50%
* Simplify your finances with one monthly payment
* Improve your credit rating
* No credit checks, fees, or application charges
* Reduce your interest rate 0.6% by consolidating during your grace period


Read more about Federal Student Loans in this site

Alternative Student Loan Benefits

With the cost of college on the rise, and the limited availability of federal aid, affording higher education can be challenging.

Alternative student loans are a key tool in the financial aid toolbox, offering benefits that exceed other forms of aid.

* 2% Graduation Reward based on your outstanding principal balance at the time of repayment1
* Lower your interest rate by 0.25% with automatic checking account withdrawal

Coverage and Versatility

Alternative student loans are a handy form of financial aid that can be used to cover expenses not met by federal financial aid. In addition to tuition and room and board, alternative student loans can be used to cover virtually any school related expense:

* Transportation and housing expenses
* Books, supplies, Lab fees and computers


Read more on Alternative Student Loan Benefits here.

Alternative Student Loans - Loan Repayment

You have three options including deferment, repayment of interest only or interest and principle.

Full Deferral: No principal or interest payments due while enrolled in school (up to four consecutive years). Payment of principal and interest will begin 6 months either after graduation or if no longer enrolled at least half time. Interest will continue to accrue during the deferment period and will be capitalized (added to the loan balance) at the time of repayment.

Interest Only: Pay only accrued interest while enrolled in school (up to four consecutive years). Payment of principal and interest will begin either 45 days after graduation or withdrawal from school.

Immediate Repayment: Payment of principal and interest will begin 45 days after loan is disbursed.

Read more on Load Repayment here

Alternative Student Loan Interest Rates

The Interest rate is a combination of the Prime rate plus a margin. The rate ranges from Prime (currently 4.0%) minus 0.50% to Prime plus 4.75%. The rate will fluctuate as the Prime rate changes every three months.

The Prime rate is a "reference or base rate" that banks use to set the price or interest rate on many of their commercial loans and some of their consumer loan products.
Loan Fee's

There are no upfront, origination, guarantor, or prepayment fees for the Alternative student loan.

Borrowers can receive a 0.25% repayment interest rate credit when payments are set up for automatic debit from a checking or bank account. This can translate into significant savings over the course of repayment.

Read more on Alternative Loan Interest Rates here.