How ToChoose A Student Loan Lender

One of the most important parts of completing the student
loan process is choosing the right lender. With the
emphasis that is being placed upon higher education in
recent years, there are tons of options in the student loan
market. With so many student loan lenders out there, it is
important to take in all of the options and make an
informed choice.

Some people make the nearly fatal mistake of thinking that
every loan lender is the same. This is a mistake made when
searching for kinds of loans, including mortgage loans and
personal loans. When selecting a lender for a large student
loan, it is especially important to consider all of the
options. Different lenders provide different options and
many have their own particular special offers that can save
you a ton of money in the long run.

If you are having a huge amount of difficulty getting the
ball rolling on the selection process, then check with the
student aid office at your school. Since they work with
these companies all of the time, they will undoubtedly have
a list of preferred lenders that you will be able to choose
form. They will give you the information that you need in
order to make an informed decision. Still, it is your
responsibility to gather all of the information before
making the decision for yourself.

Don't fall into the trap of blindly following what your
financial aid office tells you to choose. Though their
options are all probably viable, you might be able to find
a better deal elsewhere. It is well within your rights to
request a different lender. Your college is required to
value that request and provide any help that you need in
making the loan process more efficient.

What things should you look for when choosing a student
loan lender? Benefits are important considerations because
they will help you save money over the long haul. You will
be looking for a couple of different types of loan benefits
that will help make the loan affordable. Generally, student
loan lenders offer these deals in order to entice their
customers into signing on with a deal.

You must look for the best front-end benefits in order to
make your loan worthwhile. Many lenders are offering
decreased origination fees, which can make it easier to get
the loan started. This is also a good idea for students who
need to make the most of their loan. Since the origination
fee is usually taken directly from the amount of the loan,
you can put a bigger check towards your tuition. In
addition to that fee, you will also want to look for a low
or waived guaranty fee. This is a fee that ensures the
repayment of the loan. Some companies will waive the fee if
you ask them to and make it apparent that you are looking
for a good deal in order to undertake the loan.

In addition to front-end benefits, you must look into
getting the best benefits at the back end of your loan.
Find out if your student loan lender is willing to provide
a reduced interest rate for on-time payments. Figure out if
they will give you a lower rate for a direct debit on the
loan. These are things that loan companies look for in
order to lower their risk. As a result, they are likely to
pass some of the savings on to you.

Choosing the right student loan lender is very important.
There are many different things to take into account, so be
sure to do plenty of research before you start the loan
process.


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Written by Glen Orenstein Search Online for Top College
Financial Aid or find out more information on Top US Online
Degrees.http://usuniversityreviews.com

New Grads - Beat The Job Competition

Winning your new job takes more than just arriving on time
- after all, that's obviously expected. But, what else are
employers expecting from you when you arrive for your
interview? Here are four tips you'll want to keep in mind
for interview success:

Tip 1: Employers will assume that you have done a good
amount of research on their company. When they ask you
what you know about them, you'll get off to a good start by
being able to discuss several pertinent points about the
Company. To do this you must be sure your research
includes:

* What the company's mission is
* Sales and revenue (if public)
* What their growth rate has been
* Major products and services
* Who their competitors are
* Key management team
* Latest news on the company
* Clients, suppliers
* Company structure & culture

Employers want to know that you are interested in working
for them and that you have the curiosity and energy to plan
ahead for your meetings. This research technique will also
help you come up with smart questions to ask your
interviewer when they offer to answer any questions you may
have. P.S. Always have questions!

Tip 2: Employers expect you to be able to discuss your
strengths, give examples of your strengths in action and
tell how your strengths will benefit them. In addition to
your academic performance and experience (internships,
etc., if applicable) a few other areas assessed during an
interview are:

* Team work - how will you work and interact with others
* Self knowledge - a realistic assessment of who you are
* Personality - how will you fit into their culture
* Image - how you present yourself as well as your overall
appearance
* Work ethic - reliability, integrity
* Confidence - ability to openly discuss goals and
accomplishments

Tip 3: Employers expect you to tell them "What's In It For
Them" if they hire you. Gone are the days when you ask the
employer why they think you should work for them. Be ready
with 3 top reasons you are a good choice for the employer.

Tip 4: Employers will expect you to be able to provide
them with some self-disclosure so they can get to know you
better. You should be prepared to answer questions around:

* Weaknesses (and never use something lame like - "I just
tend to work too hard" that's a real eye roller)
* Your problem solving abilities
* Extra curricular activities
* Community involvement and/or volunteer services
* Why you chose your career field and information about
your long term career goals

Remember, employers want top talent and you must be able to
articulate your value and the benefit you will bring to an
organization. If you prepare in advance you will bring
confidence, enthusiasm and a positive attitude with you and
it will show. So, turn your interview into a success story
by preparing ahead. Get ready to beat the competition!


----------------------------------------------------
About the Author
Robin Ogden is a founder of FiredUP Careers, a career
coaching company focusing on career products and services
for professionals who wish to stay aligned with their
careers, achieve success and truly dig what they do. For
more information about FiredUP Careers and to receive our
FREE 'career death traps' report, visit
http://www.firedupcareers.com

10 Graduation Quotes For The Soon-To-Be Grads

Graduation is right around the corner and if you're one of
the soon-to-be grads who will be walking across the stage,
these 10 graduation quotes hold special meaning for you.
There are many who have gone before you, and there will be
many who follow -- but right now it is your time to shine.
Let these graduation quotes remind you of how special this
time really is.

1. "You have brains in your head. You have feet in your
shoes. You can steer yourself in any direction you choose.
You're on your own. And you know what you know. You are the
guy who'll decide where to go." ~ Dr. Seuss

2. "You cannot help but learn more as you take the world
into your hands. Take it up reverently, for it is an old
piece of clay, with millions of thumb prints on it." ~ John
Updike

3. "A professor is someone who talks in someone else's
sleep." ~ W.H. Auden

4. "Don't live down to expectations. Go out there and do
something remarkable." ~ Wendy Wasserstein

5. "If opportunity doesn't knock, build a door." ~ Milton
Berle

6. "What we are is God's gift to us. What we become is our
gift to God." ~ Eleanor Powell

7. "When you feel discouraged or simply lazy, as is bound
to happen sometimes, remember the millions of people in the
world who have not had your privilege. Remember the poor
and obscure lives of those countless millions who suffer
from every sort of deprivation and frequently find
themselves the unwilling victim of wars, and a variety of
cruelties, perpetuated by man on man. Is it not significant
that the first bid for self realization, among the poor and
downtrodden, is to assert their right to education?" ~
Jehan Sadat

8. "The great value of formal education is that it is
designed to foreshorten human experience. It endeavors with
ease and economy to bring each succeeding generation up to
date with respect to the past, and to make it at home in
the world. In this sense, it prepares each generation for
life." ~ Virgil M. Hancher

9. "Education is the best provision for old age." ~
Aristotle

10. "A college education is not a quantitative body of
memorized knowledge salted away in a card file. It is a
taste for knowledge, a taste for philosophy, if you will; a
capacity to explore, to question to perceive relationships,
between fields of knowledge and experience." ~ A. Whitney
Griswold

Graduation is more than just a day -- it is a symbol of
everything that you have worked hard for and accomplished.
Let these 10 graduation quotes remind you of the true
meaning of graduation, education and life in general.


----------------------------------------------------
For more graduation quotes, check out the popular
graduation quotes section of
Famous-Quotes-And-Quotations.com, a website that
specializes in 'Top 10' lists of quotations in dozens of
categories.
http://www.famous-quotes-and-quotations.com/graduation-quote
s.html