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We are a team of young and energetic professionals who aspire to turn your finance and business dreams into reality. Are you an individual looking for financial advice then we can help you out as well. We simply have created a platform that can help you in all your financial, business and investment requirements, irrespective of whether it is big or small.

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A large number of undergrads and their folks who are not sufficiently lucky to have adequate investment funds to pay for school must apply for students credits every year. Insights demonstrate that around 66% of all school graduates entered the working scene with some level of students advance obligation in 2007-2008. Obviously, some are qualified for significantly more guide than others, yet there are sure things that you have to know before you begin rounding out your credit applications. The accompanying is a rundown of key realities that ought to be obviously comprehended before the application procedure.

Understand your requirements:

Much of the time, students can meet all requirements for in excess of one kind of credit. It is thusly imperative to know in any event the real qualities of each kind of advance that you apply for. In addition credits, Stafford Loans and Perkins advances each have interesting tenets and highlights. Knowing which sort of obligation you are qualified for can streamline and disentangle the application procedure.

Educational Dept

Keep your credit score handy:

As with some other sort of obligation, your FICO rating can influence the size and kind of advance that you can get. Ensure that the sum total of what mistakes have been accounted for and adjusted before displaying this to your money related guide officer. There are likewise a few kinds of advances that don’t analyze your credit as a necessity for endorsement; those with poor acknowledge ought to ask as to which sorts of advances fall into this class.

Look for end-result:

If you are majoring in English or one of the fine arts, the odds are high that you might not be able to find a steady job after graduation, or at least one that pays much. Do some research and find out what other graduates in your field are earning and how well they are able to manage their loan payments.

Know how much to pay:

If you expect to start earning $30,000 a year when you graduate, a $500 a month loan payment may be pretty hard to swallow after all your other bills are paid. Some experts feel that the federal government has made it too easy to acquire student loan debt, and many graduates face an enormous struggle to pay off their loans on top of their credit cards and car payments.

Analyse how much you want to loan:

Many students graduate with excessive amounts of student loan debt. Decide on a dollar amount that you are willing to take on and then find or create alternative sources of funding for the balance. Joining the military for a term and using your enlistment bonus and other forms of pay for college can drastically reduce the amount of money that you will need to borrow. Working part-time during the school term and in the summer can also help to defray expenses – and it will look good on your resume.

There used to be a time when banks did not charge any fees when it came to checking accounts. This has changed because of the fact that banks over time, have become more expensive. Some banks have upgraded all their accounts in the past few years and have also become more sophisticated which added to their accounts even more. Though this might be the case when taking the traditional route, in the last few years, banks have made more and more use of the internet and have thus come up with a more affordable plan when it comes to checking accounts. Some have even gone so far to offer free checking accounts which have made these banks a much more popular choice than others.

To get a free checking account, however, one must qualify first. According to the government, a checking account is still not considered to be free as the account holder might still have to pay an activity or maintenance fee.

A free checking account is an account that reserves the right to charge fees but only for certain activities. These include if you, for instance, overdraw on your account. Having such an account can be quite valuable and is something you should look in to.


The Top ‘Free’ Checking Accounts

These include a range of benefits such as a sum of free money when you sign up, access to ATM’s that do not have any charges, as well as no added charges on any of the extras. Convinced yet? Have a look at the following best online institutions to open your free account today.

Capital One 360

Listed as one of the top choices, its benefits speak for itself. It includes 38,000+ free ATMs, no international transaction fees, a free mobile app, as well as no added fees. The only fee it does include is a $25 fee when cancelling a payment on a check.

In addition, Capital One 360 also allows you to open a savings account. Why not sign up for both? Oh, and we know what you were thinking, it’s free too.

With a competitive daily rate and a 24/7 customer service, Capital One 360 has you covered.

USAA Classic Checking

Offering a free account that is designed for their consumer’s needs, USAA Classic Checking is a convenient online institution that allows you to make deposits, along with a set of free tools that help you monitor and plan your spending.  They also offer an online bill paying feature which helps make it easier for you to manage your household bills, as per your convenience. There are no monthly fees involved. They also have free ATM’s nationwide, no minimum balance requirements, free direct deposits and free transfers when it comes to bill payments.

Steps to apply for Personal Loan:

  • Decide how much money you need.
  • Check your credit. Your credit will determine how much you qualify to borrow.
  • Find the right loan.
  • Receiving your loan funds.
  • Time to spend it.
  • Make your payments on time.



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3516 Atha Drive Bakersfield,

CA 93301