Worried About Student Loans? Use These Tips

Many people need student loans to pay for their college education. This article has tips to help educate you learn more about loans.


Make sure you understand the important facets of your student loans. You need to be able to track your balance, know who you owe, and monitor your repayment progress. These three things will determine your loan repayment and forgiveness options. You need this information if you want to create a good budget.


Always stay in touch with all of your lender. Make sure you let them know if your current address and phone number. Take any requested actions as soon as possible. Missing an important piece of mail can cost you valuable money.


Don’t panic if you can’t make a student loan off because you don’t have a job or something bad has happened to you. Most lenders can work with you put off payments if you lose your current hardship. Just remember that taking advantage of this option often entails a hike in your interest rates.


There are two main steps to approach the process of paying off student loans. Always pay the minimum.Second, you will want to pay a little extra on the loan that has the higher interest rate, not the loan that has the largest balance. This helps lower how much money is spent over the course of the loan.


Focus initially on paying off student loans with high interest rates. If you try to pay off the ones with the lowest balances first, there is a chance that you will end up owing more money in the end.


Select the payment arrangement that works for you. Many loans offer 10-year payment plan. There are many other options if you can’t do this. You might get more time with higher interest rate. You might be eligible to pay a percentage of income once you make money. Some balances on student loans offer loan forgiveness after a period of 25 years have passed.


In conclusion, those who want to further their education need student loans. With this article, you have information to help you make better choices. Utilize this advice when paying back your loan.



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Jobs and Innovation

– Dilemmas in the Middle of the Equity Crunch

CPTEC is a not for profit organization which was founded in 1995. It is a not for profit business incorporated with the US Department of Energy, and its mission is to foster “arts and research for energy efficiency”. Their website says the CPTEC’s mission is to “promote and apply advance technologies to reduce energy consumption and pollution, and to promote energy security and environmental responsibility.” Sounds like a government agency trying to sell you something. Let me tell you what CPTEC is not.

A: CPTEC is not a start-up. The term CPTEC is not a term coined by the Center for Technology Transfer and Enterprise Creation. The term was used by Cisco Institute senior fellow John Sullivan to describe the research and development activities of the company. I did contact him to ask about it and he told me, “CATTC is an informal organization under the auspices of the National Science Foundation that was formed to foster small technology transfer and development activities.” I asked him what he meant by start-up and he told me that when someone says startup, they mean that the company is only in the very early stages, not that it lacks any real potential to becoming a real business.

B: Creating jobs is what the Center for Technology Transfer and Enterprise Creation tries to do. It also says that “Innovation accelerators” is part of their mission. Does the company offer any such start-up enterprises? If so, how many and how long are they in effect? In a free market, the answer would be, well, we don’t really know because no one has asked them yet.

C: The organization may not have venture capital. However, it appears that they do have an entrepreneurial program, at least as described above. Is this another Center for Technology Transfer and Enterprise Creation spin-off? Maybe. If so, maybe there’s another problem.

D: There isn’t any indication that the Carnegie Mellon group ever considered starting their own industry body. However, I suppose that this is part of the problem. Start-ups can be difficult, costly, time-consuming, etc, not to mention the problems that many entrepreneurs may have to license their technology, etc. A problem with creating an industry around something, even if it works well within the overall goals of the Center for Technology Transfer and Enterprise Creation, does not exist in the context of a “vendor chain for innovative disruptive technologies.”

E: There was a quote from Henry Ford during World War II that he used, which says a lot. He said something to the effect that “relatively few people know how to build a car, but we know how to spend a whole lot of money buying one.” Is that an accurate statement, and if so, why does it apply to technology transfer and enterprise creation in general? Just as Henry Ford was ahead of his time, so too will you be ahead of your time, and in time if you use the right mix of approaches. You’ll find that the Center for Technology Transfer and Enterprise Creation needs to consider whether they want to use a vendor-based model, or a problem-solving approach working within an overall industry and goals framework.

F: Does the Center for Technology Transfer and Enterprise Creation really have a problem with applying the old-fashioned marketplace approach to solving these problems, as opposed to trying to solve them through innovation? The reason I ask this is that the marketplace has been very effective in providing solutions to innovation challenges. Perhaps, instead of spending millions upon millions of dollars on R&D, venture capitalists would invest that money into IP firms that could innovate and then provide commercial products and services at a much lower cost, thereby enhancing the lives of everyone. Is the Center for Technology Transfer and Enterprise Creation really worried about the “innovative” aspects of entrepreneurship, or do they want to make sure that entrepreneurs are using a toolbox of tools from government and academia to create jobs and income opportunities?

G: What about the argument that the old way of thinking about start-ups, and particularly Carnegie Mellon innovation, are outdated? In other words, that there are just too many “start-ups” and too many failures, that innovation simply doesn’t work anymore? Well, let me tell you that the “carnegie mellon innovation gap” has actually widened, and while entrepreneurship has always been about risk/reward, and the entrepreneurial mindset has always been important, we are seeing a lot more “start-ups” that are not as lucky as they were planned, and a lot more failures than successes. It’s hard to escape the fact that the world is changing, and as we enter the next decade, the world’s economy will need to evolve with it or risk going the way of the dinosaur.