If your student loan payments are too high, if you have fallen behind on your loan payments, or if you want to learn how you can save money on and more effectively manage your student loans, then The Student Loan Makeover is for you. Author Paul Jones has leveraged his own expertise as an attorney and student loan borrower to help numerous clients save money on their student loans. Now, he'd like to help you. The Student Loan Makeover brings all the information you need in one place to teach you how to take control of your student loans no matter what your circumstances. It focuses on what you need to know, and on helping you to formulate a strategy to most effectively manage your debt for your personal circumstances. With The Student Loan Makeover audiobook, you'll learn: About your repayment plans and options and the different types of loans and organizations you'll be dealing with Answers to common questions The impact student loans, default, deferment, and forbearance have on your credit score How to organize yourself and to create the best strategy for you to manage your student loans Strategies other borrowers used to handle their debt in light of their personal situations And much more! The Student Loan Makeover audiobook brings all the information you need to handle your debt and take control of your life to one place. By the time you're done, you'll not only be educated about your student loans, but you'll feel empowered to manage them. Why wait? Take your life back today. 1. Language: English. Narrator: Quinn Knox. Audio sample: http://samples.audible.de/bk/acx0/022461/bk_acx0_022461_sample.mp3. Digital audiobook in aax.
If you want to learn how to get out of foreclosure with a loan modification, then get this potentially life saving audiobook! A home loan re-modification is a method you may qualify for that allows you to get current again. If you are behind several payments, you may be in fear of foreclosure. Perhaps that process has already been started, and you are afraid you will lose your home. A loan re-modification can allow you to re-age your loan and get a payment you can afford with your current financial circumstances. Instead of trying to come up with a lump sum of money to save your home, you only have to focus on being able to meet that monthly mortgage payment. The process to qualify for a home loan re-modification takes time, and you have to follow the steps, or you can be denied for failure to comply. Once your application is in motion, the foreclosure process will be put on hold. This gives you and the mortgage company time to go through all of the paperwork and see what can be done. Most lenders want to extend a re-modification loan to you rather than foreclose on the property. With that in mind, it is to your advantage to see if you qualify. About the expert: "I didn’t know about loan re-modification until my home was already in foreclosure. I was trying to explore my options and came across the details. I was frustrated that my mortgage company hadn’t taken the time to share that with me as a possibility. They had no trouble calling me at least twice per week to ask for the full amount I was due. They refused to take payments and didn’t seem to care about the reason why I was getting behind. "Armed with information, I called them and asked for a loan re-modification application. I am glad I did, as it got me back on track with my home loan. I am hopeful this process can do the same for you. If you are facing foreclosure, you definitely want to look into home loan re-modification as an opportunity." 1. Language: English. Narrator: Sri Gordon. Audio sample: http://samples.audible.de/bk/acx0/100849/bk_acx0_100849_sample.mp3. Digital audiobook in aax.
Free yourself from the burden of debt! Here's a snippet of just one of the ways to rid yourself of your debt: This is a basic rule with banks, pension funds, and insurance firms. The aim is to have assets available when they will be needed. So one should not finance a long-term asset, for instance a house, with a short-term loan from a credit card. One should not use the value of his or her home to pay the bill. Borrowing long-term for a short-term also calls for trouble. For example, if you take a 10-year loan for a secondhand car, you'll still be paying for the loan long after the car has been disposed. Also included are topics on: Strategies of managing debt How to prioritize your debt payments What you need to know before borrowing money Different types of debt Much, much more! 1. Language: English. Narrator: Scott Pollak. Audio sample: http://samples.audible.de/bk/acx0/057192/bk_acx0_057192_sample.mp3. Digital audiobook in aax.
An in-depth exploration and expose of the predatory nature of the student loan industryAlan Collinge never imagined he would become a student loan justice activist. He planned to land a solid job after college, repay his student loan debt, and then simply forget the loans ever existed. Like millions of Americans, however, in spite of working hard, Collinge fell behind on payments and entered a labyrinthine student loan nightmare.High school graduates can no longer put themselves through college for a few thousand dollars in loan debt. Today, the average undergraduate borrower leaves school with more than $20,000 in student loans, and for graduate students the average is a whopping $42,000. For the past twenty years, college tuition has increased at more than double the rate of inflation, with the cost largely shifting to student debt.The Student Loan Scam is an expos of the predatory nature of the $85-billion student loan industry. In this in-depth exploration, Collinge argues that student loans have become the most profitable, uncompetitive, and oppressive type of debt in American history. This has occurred in large part due to federal legislation passed since the mid-1990s that removed standard consumer protections from student loans-and allowed for massive penalties and draconian wealth-extraction mechanisms to collect this inflated debt.Collinge covers the history of student loans, the rise of Sallie Mae, and how universities have profited at the expense of students. The book includes candid and compelling stories from people across the country about how both nonprofit and for-profit student loan companies, aided by poor legislation, have shattered their lives-and livelihoods. With nearly 5 million defaulted loans, this crisis is growing to epic proportions.The Student Loan Scam takes an unflinching look at this unprecedented and pressing problem, while exposing the powerful organizations and individuals who... 1. Language: English. Narrator: Adam Robinwitz. Audio sample: http://samples.audible.de/bk/adbl/001698/bk_adbl_001698_sample.mp3. Digital audiobook in aax.
Darcy was 24, living with her parents, and struggling to make her student loan payments. So, when she heard that Grace Space Independent Consultants make $40 per hour, she could hardly wait to sign on the dotted line. That signature launched her into a crazy adventure full of embarrassing blunders, kooky characters, and sidesplitting laughs, and it's not long before she starts to wonder if the purple dream is too good to be true. 1. Language: English. Narrator: Rebecca Winder. Audio sample: http://samples.audible.de/bk/acx0/066989/bk_acx0_066989_sample.mp3. Digital audiobook in aax.
Alan Sacket is about to be promoted to vice president of sales for Lamberts, a mega store chain. Despite his large sales increase, Sackett is fired as the stock market plummets in 2008. Alan Sackett's huge salary had supported his burgeoning debts. His debt swells with his income gone and payments due on his hotel suite, several vehicles, a six-figure boat, and mountain condo. He makes a deal with a notorious loan shark, Roscoe, to minimize his debt while he looks for work. Alan flies to Barclay, Idaho, where he spent a summer at age 10, to sell his late aunt's general store. He meets Soonie, his 10-year-old friend from that summer. Soonie's situation and Alan's love for her and the small-town clash with opposing forces. His plan involves the town, Soonie, and Roscoe's demand for the entire loan. 1. Language: English. Narrator: Robert P. Fitton. Audio sample: http://samples.audible.de/bk/acx0/087249/bk_acx0_087249_sample.mp3. Digital audiobook in aax.
Want to pay off your mortgage and be out of debt? This book has the solution. It's full of valuable ideas and examples that others have used to eliminate their mortgage debt in just a few years. You will learn how to minimize expenses and plan your pay off strategy in an organized and practical manner. What do banks offer as a solution? Most banks only give you one option which is basically to send your payment every month for the next 30 years. Yes, you will have paid off your mortgage by then but there's a better way. A faster way and easier way that requires simply planning for what needs to be done. Do you have a 30-year mortgage? Do you have credit card debt? Do you make insurance and property tax payments? If you answered "yes" to any of these questions, you can seriously lower your mortgage debt and the time it takes you to pay it off. If you answered "no", there's still other options that are explained in detail. Most books give you general ideas as to what you can do to eliminate your mortgage debt but this book shows you how it's done with real examples and solutions. You will see how payments amortize, how much interest goes towards payments, and how much interest you will pay over the life of the loan when presented with different solutions. 1. Language: English. Narrator: Paul Stefano. Audio sample: http://samples.audible.de/bk/acx0/088108/bk_acx0_088108_sample.mp3. Digital audiobook in aax.
No matter where she looks, Jasmine Molina's life is hard: her mother passed away, her brother is fighting overseas, and all she has left in the world is a drunken gambling addict for a father, a man who steals her hard-earned tips every time there's a "sure thing" at the track. Behind in her tuition payments and the utility bills, the last thing Jasmine needs is a spoiled-brat rich kid making her life miserable. Gage Kingsley and his gang of snotty fraternity brothers have painted a target on Jasmine's back, and they take special delight in picking on her daily. But when they show up at her house in the middle of the night to collect an overdue loan from her father, Gage and Jasmine's worlds truly collide. There's only one way out...accept Gage's offer of marriage, or watch her father die. 1. Language: English. Narrator: Meghan Kelly. Audio sample: http://samples.audible.de/bk/acx0/075456/bk_acx0_075456_sample.mp3. Digital audiobook in aax.
Tricks and tips to increase your credit score higher than you ever imagined, by Joe Correa. If you want to increase your credit score to the highest it's ever been, you found the right book! Why do some people have low credit scores while others have high scores? Why are some people constantly denied credit while others always approved? These are common questions that can be answered with one word, "knowledge." You will learn how to: Get approved for credit cards Get approved for a car loan Have a better chance at getting a job Prevent having to put deposits on new accounts and having lower down payments Finance your home with the best interest rates Apply for any loan with confidence If you know what to do to increase your score, you will prevent making mistakes most people make on their credit. Having a high credit score can benefit you in so many ways. It can change your life completely. How can you increase your credit score and be able to finance what you want at the best rates? The tips and tricks in this book will help you to use tools that are currently available to you but most people don't even know about. If you want to have a successful financial life, you need to learn how to use credit to your benefit and this is only possible through a high credit score. Don't wait to get denied on applications to take your credit seriously, start now by listening and learning what is necessary to take your credit from 0 to 800. 1. Language: English. Narrator: Paul Stefano. Audio sample: http://samples.audible.de/bk/acx0/091490/bk_acx0_091490_sample.mp3. Digital audiobook in aax.