Loans

Term life insurance is a type of life insurance coverage that ensures that you are only covered for a certain amount of time. Once the period expires, you’ll need to either find a new coverage of will have to extend your coverage. Image via Hernando Today.

Refinancing your student loans can leave you will less interest rates, which will help you pay off your loans faster and leave you ultimately with less debt. If you’re eligible, find different companies and compare their rates and terms. Then submit an application and wait to see if you’re approved. Image via Simple.

For recent grads who have taken out student loans through lenders like Stafford Loans, PLUS Loans, or Federal Perkins Loans, there’s a light at the end of the tunnel. You can consolidate your loans into one larger payment, which will then spread out over the loan’s entire lifespan, with a set number for interest rates....

Good drivers, rejoice: It’s likely easier for you to find a cheaper auto insurance premium! Insurance companies want to work with good drivers and promote safety on the road, so it only makes sense that they’ll want to partner with people don’t have any marks on their driving records. These are the different types of...

Those in the military get housing benefits, but four more states just got military-friendly loans: Georgia, Florida, North Carolina, and Pennsylvania. The Georgia Dream program provides assistance to first-time buyers, those that haven’t owned a house in three or more years, and those who live in designated areas. The Florida Housing Finance Corporation gives a Florida...

Alaskan utility customers may soon find a pleasant surprise in the form of loans. For energy efficient upgrades and adding renewable energy systems, they will be paid back through their monthly bills. Known as “on-bill financing,” this is already done throughout the country. Gov. Bill Walker signed a bill into law to suspend service to...

No one wants to deal with taking out a mortgage loan and having it denied. Recently the Urban Institute calculated real denial rates to determine which mortgage loans are denied most often. Government-backed loans get denied less than conventional loans. Forbes reported that “conventional loan applications are denied almost 50% of the time, versus just over...

For those who built a home rather than bought an existing one, you might notice that traditional mortgages aren’t applied. Instead, you’ll likely have to get a construction loan. But what is a construction loan, you may be wondering? They’re high-interest, short-term loans that cover the costs of building or rehabilitating a home. They’re based...

There are three requirements of what makes up public service loan forgiveness for student loans. According to CNBC, it’s the following. They have to federal direct loans. Employers must be government level organizations, a 501(c)(3) not-for-profit, or another type of nonprofit that provides public services. You will have had to make 120 on-time payments. Continue to...

Let’s start with this…it’s the LAW! Most states require drivers to carry some type of car insurance to prove that you can pay for potential accident expenses. Even if your state does not require you have to car insurance, here are some other reasons why you should: 1. It’s risky – Accident costs are expensive,...