More than ever, students are now relying on loans to help pay for college. But if you can't make a monthly installment, you will need to contact your lender or servicer (the company that owns your loan) to discuss the problem. Worst of all, a defaulted student loan can haunt you later, because it will be recorded as part of your credit history for a minimum of seven years. Two-thirds of undergraduate students are in debt when they graduate from college, according to the National Postsecondary Student Aid Study conducted by the National Center for Education Statistics and the U.S. Department of Education. DEFERMENT Periods when a borrower who meets certain criteria may temporarily stop loan payments. The best way to do this is to use a budgeting calculator available on the website of a major lender,.
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Bank profits up; problem home-loans, too
Boston Globe - Home-mortgage delinquencies and foreclosures are surging, especially for people who took out subprime mortgages -- higher-interest loans for those with blemished credit records or low incomes who are considered higher risks -- during the sizzling ... Read more...
Late mortgage payments surge
CNN Money - Bank regulators are considering new rules on popular loans for subprime borrowers with less-than-stellar credit that carry low introductory rates but can rise over the life of the loans. Consumer advocates have warned that loose underwriting standards ... Read more...
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