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Oct. 17 (Bloomberg) — Timothy Sloan, chief financial officer of Wells Fargo & Co., talks about the bank’s third-quarter earnings and outlook. While profit at Wells Fargo rose 22 percent to a record, revenue dropped amid economic weakness and market turmoil linked to Europe. Sloan speaks with Adam Johnson on Bloomberg Television’s “Street Smart.” (Source: Bloomberg)
Respond to this video… It’s analogous to the story of species that double in population every minute until, after 1 hour, they consume all their resources. At 59 minutes, on the verge of doom, they still believe they are fine as they still have 1/2 their total resources (financial or material).
Our messed up, debt-dependent, global economy has been the 59 minute mark for several decades and now the clock is ticking over.
When your federal educational loans are in default, you have several options:
You can repay the loan in full.
You can negotiate a new payment plan with your lender.
You can "rehabilitate" your loan.
You can consolidate your loan.
Obviously option one is rarely attractive or possible for defaulted borrowers.
Option two (renegotiate) should be investigated fully – most borrowers skip this step, but it's probably the best option for most people. Call your lender and ask to speak to someone in the "Workout" Department. Explain your situation to them (there's nothing unusual about it) and ask what options are available to you for switching to a graduated, extended or income-sensitive repayment plan. If your lender will agree to change your repayment plan, a few regular payments will get your default status removed, and the new plan may be easier for you to keep up with.
Option three (rehabilitation) is really a specific form of a workout agreement. It probably won't help you much in your situation, because it requires an agreement between you and the lender that will allow you to make 9 consecutive on-time payments of some agreed-upon amount.
Option four is everyone's favorite, but you must absolutely understand what a consolidation loan will do. To keep this utterly simple – a consolidation loan is a brand new loan that will pay off your old, defaulted loan. A consolidation loan MAY lower your monthly payments, but understand how this works. A consolidation loan never lowers your payments by wiping away some of your debt – a consolidation loan lowers your payments by stretching out the length of your loan. If you pay less every month, you'll make many additional monthly payments, and – in the end – you'll pay far more back than you would have paid on the original loan.
As an example: Suppose I lent you $100 and you agreed to pay me back in 2 weeks by paying me $50 a week. You came back a few days later and explained that you weren't going to be able to afford to pay me $50 – is there something else we could do? "Oh, absolutely," I'd say, gallantly. "Instead of paying me $50 a week for 2 weeks, how about if you only pay me $10 a week for 17 weeks?"
See – in the end, you'll pay me back $170 instead of $100 – that's how a consolidation loan works. But remember – we're not talking a $100 loan for a couple of weeks – by the time you pay that $5000 loan of yours back over many years, you'll pay a few thousand more than you might have paid if you didn't consolidate that loan.
I've attached some information about consolidating from the Department of Education – take a few minutes to read it over. If you do choose to go this route, be sure to consolidate with a reputable lender (or directly with the government) and not with some fly-by-night operation that you learn about from some pay-per-click site shilled on Yahoo! Answers.
Good luck to you!
I'd suggestion contact your bank, credit card company or perhaps asking your family or friends.
WARNING banks and wall street (who run the show) didn’t put themselves in this situation without knowing it; this had to be planned. Currently, banks are offering class action lawsuits to fix these loans- which eliminates the right for people to sue them and merely offers a fixed loan-what should have done initially. Opt out of those. Then fight back and sue your bank. Start reading the Bible- everything is predicted; including this.There are seven trumpets that blow… and this crisis sets up
Nope, sorry, but personal loan won't qualify, as you will have nothing in writing to say that it is student loan interest.
Nope. It will no longer be a student loan then. You may be able to consolidate several student loans into another student loan at a better rate, but if you pay it off with a personal loan you'll be left with a non-deductible personal loan.
@biospharms Very true. Sustainability is a concept that is unnatural to any single species. Nature has sustainability by managing all species as a whole, unified ecosystem. To have sustainability in our own human economic system, we have to actively manage it. Logic and experience quickly show that indefinite growth is impossible in a closed system (such as the Earth) as resources have to eventually be exhausted (re: entropy).
the powers to be…there going to cause a economic collapse…….so they can pull off the new world order……its coming….
I'm not sure why you would want to get a home equity loan to pay off student loans. Typically interest rates on student loans are much lower than home equity loans. It is true that you can use interest paid on a home equity loan as a tax deduction, but you can also use interest paid on student loans as a deduction.
lets just hope it does not get to the point where we are eating our dead. support your community and help each other out lest we attack one another.
Take a look at the YouTube video– Mortgage Tsunami Two: 2011-2013
An animated presentation of the ARM underwater default crisis that is currently brewing.
To have a mortgage loan you must have land involved, so no trailer park rentals. Lender's are not fond of mobile homes because they lose value – unlike a stick-built home which will appreciate in value. You are unlikely to find 100% financing for a mobile home. 90% or less is the norm and that is with good credit. Your interest rate will be higher as well.
If you are buying this as an investment (in your own future-not as an investment property) you should look into a modular home. Anything but a mobile. You won't get out what you put into a mobile. That said, there are some very nice mobile homes out there.
well its kinda to late already…october 21st is coming…… the powers to be wont escape his wrath!!!!
The World better wake up and acknowledge Jesus Christ…because of our sins and allegiance to money is the reason why these things are befalling this world. You read the Word of GOD…he foretold these things before anyone else. Click into the Spirit and see the fall of those who trust in riches. This is the only time in my life that I am thankful that I have been poor, because none of this is a shock. It is a shock to those who have lived high on the lie.
All I can say is, if you own the motorcycle, take it back. If he does, tell him to get a title loan. He can make payments but depends on what he still owes you.
Falling, spiralling down,
Descending into madness.
Deciding my own fate,
Leaving this world of hate behind.
I used direct loan consolidation. It took about 2 months.
http://www.loanconsolidation.ed.gov/
No one will "take over" your loans. You will still owe the money to your lender when you are in forbearance. They will simply add interest every month while you are making payments.
If you are asking about defaulting the lender will just contract out with a collection agency to start calling and hounding you to mail them payments. If you make 6 to 12 months worth of willing and reasonable payments you can ask your lender to "rehabilitate" your loan. This is when you are issued a new loan and pay off the one in default so you can get federal fin aid again. Again, rehabilitation can only be done after you have made 6 to 12 months of payments.