Why Student Loans are Better Than Credit Cards -

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Why Student Loans are Better Than Credit Cards

Why Student Loans are Better Than Credit Cards

You need some more money for college expenses this semester. Do you whip out a credit card to pay for your books, or do you apply for a federal or private loan? Well, consider the options ?

-With a federal loan, your interest rate will be low (around 5%) and your payments will be deferred until 6-9 months after graduation.

-With a private loan, the interest rate will be slightly higher than with a federal loan but will still be lower than average. In addition, you will only need to make interest payments until after graduation.

-With a credit card, on the other hand, the interest rate can be as high as 21%. Interest begins accruing almost immediately, and you need to begin paying off the bill the next month.

This is not to say that credit cards do not have a place in your college life. It is good to have one national card (Visa, MasterCard, Discover) on hand to help you build a positive credit history and to provide security in emergencies. When you decide to apply for a card, compare annual fees, interest rates, and introductory offers. And to keep yourself out of debt, try to-

-Pay your balance each month to avoid interest charges

-Pay your bill on time to avoid late charges

-Avoid cash advances, which come with large finance charges and interest that begins accruing immediately.

This article is distributed by NextStudent. At NextStudent, we believe that getting an education is the best investment you can make, and we're dedicated to helping you pursue your education dreams by making college funding as easy as possible. We invite you to learn more on how Student loans are better than credit cards at http://www.NextStudent.com .

My goal is to help every student succeed - education is one of hte most important things a person can have, so I have made it my personal mission to help every student pay for their education. Aside from that, I am just a pretty average girl from SD.

http://www.nextstudent.com/

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table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.freep.com/article/20081121/MISC03/311220001/1210/BUSINESScid=1272969032ei=IL8pSZ2VM6iY6AOs2vXHBwusg=AFQjCNHU0PKARj3_JTS2OXkg9u10ZQ29KwUAW may give up jobs bank to revive auto bloans/b/abrfont size=-1font color=#6f6f6fDetroit Free Press,nbsp;United Statesnbsp;-/font nobrNov 21, 2008/nobr/fontbrfont size=-12 for how the bloans/b might be used to transform them into viable companies, promising to bring Congress back into session Dec. 8 if the plans measure up -- a b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.detnews.com/apps/pbcs.dll/article%3FAID%3D/20081121/AUTO01/811210428/1001/BIZcid=1272969032ei=IL8pSZ2VM6iY6AOs2vXHBwusg=AFQjCNELEfq596J7R5sLQB49Pvh_L5zZpACongress: Auto execs must show #39;significant sacrifices#39;/a font size=-1 color=#6f6f6fnobrDetNews.com/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://seattlepi.nwsource.com/business/388839_congressautos21.htmlcid=1272969032ei=IL8pSZ2VM6iY6AOs2vXHBwusg=AFQjCNG1egl_DmZmpDlK2ojFWsJEGWqfKABig Three#39;s plea for aid fizzles in Congress/a font size=-1 color=#6f6f6fnobrSeattle Post Intelligencer/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.clickondetroit.com/news/18001565/detail.htmlcid=1272969032ei=IL8pSZ2VM6iY6AOs2vXHBwusg=AFQjCNHTH-k61J66eqJZCs06e7YmLty7tgAuto Bailout Would Grant $25B In bLoans/b, Limit CEO Pay/a font size=-1 color=#6f6f6fnobrWDIV/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.freep.com/article/20081123/MISC03/81123003cid=1272969032ei=IL8pSZ2VM6iY6AOs2vXHBwusg=AFQjCNEqioZ4GgB3jCvwDYL2VAfenkWBEQnobrDetroit Free Press/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.freep.com/article/20081118/BUSINESS01/81118093/1014/BUSINESS01cid=1272969032ei=IL8pSZ2VM6iY6AOs2vXHBwusg=AFQjCNE6L58O8wwYjZWv3OQUYQWoso8Z-AnobrDetroit Free Press/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1272969032hl=ennobrall 4,576 news articles/nobr/a/font/div/font/td/tr/table

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table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.guardian.co.uk/business/2008/nov/21/automotive-useconomycid=1273618955ei=IL8pSZ2VM6iY6AOs2vXHBwusg=AFQjCNHgtBiiPS-DdKJ6Q8qDKqLHBQNYPQimg src=http://news.google.com/news?imgefp=7Kt3769KQAIJimgurl=static.guim.co.uk/sys-images/Guardian/Pix/pictures/2008/11/19/us_car_460.jpg width=80 height=48 alt= border=1brfont size=-2guardian.co.uk/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.voanews.com/specialenglish/2008-11-20-voa4.cfmcid=1273618955ei=IL8pSZ2VM6iY6AOs2vXHBwusg=AFQjCNFrc5x2PUwdgK89Mg_2p1guHbKJGQCongress Delays Action on Auto Industry bLoans/b/abrfont size=-1font color=#6f6f6fVoice of Americanbsp;-/font nobrNov 21, 2008/nobr/fontbrfont size=-1The chiefs of General Motors, Ford and Chrysler asked for twenty-five billion dollars in new bloans/b. Congress already approved twenty-five billion in b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.reuters.com/article/ousiv/idUSTRE4AI13H20081119cid=1273618955ei=IL8pSZ2VM6iY6AOs2vXHBwusg=AFQjCNFaD0vgMYGUqwJSbrrRbYapbrLeKwFord says could wait on US bloans/b until 2009/a font size=-1 color=#6f6f6fnobrReuters/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.freep.com/article/20081119/OPINION05/811190346/1068/OPINIONcid=1273618955ei=IL8pSZ2VM6iY6AOs2vXHBwusg=AFQjCNFmeFYXJRA_r5PJhSWYpHG2rl9OxgbLoans/b to automakers make the only good deal for US/a font size=-1 color=#6f6f6fnobrDetroit Free Press/nobr/font/fontbrfont size=-1a href=http://news.google.com/news?btcid=e3abfae965230256img src=/images/news_comment_bubble12.gif alt=google news comment class=comment-iconComment bynbsp;Gary Chaison/afont size=-1 color=#6f6f6fnbsp;Prof. of Industrial Relations, Clark University/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.marketwatch.com/news/story/Detroit-Regions-Businesses-Urge-Congressional/story.aspx%3Fguid%3D%257B3BF25E89-D19F-4A85-8203-3B0932B38AE0%257Dcid=1273618955ei=IL8pSZ2VM6iY6AOs2vXHBwusg=AFQjCNE4cWyzrhpUqS5j7e0x2hYDNtw4OQnobrMarketWatch/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1273618955hl=ennobrall 1,251 news articles/nobr/a/font/div/font/td/tr/table

table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.latimes.com/business/investing/la-fi-banks22-2008nov22,0,3887469.storycid=1273004320ei=IL8pSZ2VM6iY6AOs2vXHBwusg=AFQjCNG15PhXyAxyDxqcljQ-5Xu8obWFBAimg src=http://news.google.com/news?imgefp=HFloPpWkgaoJimgurl=www.latimes.com/media/photo/2008-11/43535151.jpg width=80 height=52 alt= border=1brfont size=-2Los Angeles Times/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.contracostatimes.com/california/ci_11054118cid=1273004320ei=IL8pSZ2VM6iY6AOs2vXHBwusg=AFQjCNE9KnKQkE2alOyjptsYW4qbKm5GQQPFF now US Bank/abrfont size=-1font color=#6f6f6fContra Costa Times,nbsp;CAnbsp;-/font nobr12 hours ago/nobr/fontbrfont size=-1US Bank will modify the terms of certain mortgage bloans/b in accordance with the FDIC Mortgage bLoan/b Modification Program. Between Downey Savings and PFF Bank b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.dailypilot.com/articles/2008/11/22/topstory/dpt-downey112308.txtcid=1273004320ei=IL8pSZ2VM6iY6AOs2vXHBwusg=AFQjCNES3qLVJvufHERI3z15ZBrsVZ-AxQ• Downey closes due to losses/a font size=-1 color=#6f6f6fnobrDaily Pilot/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.latimes.com/business/la-fi-downey21-2008nov21,0,7721667.storycid=1273004320ei=IL8pSZ2VM6iY6AOs2vXHBwusg=AFQjCNFEWETjDYZ5e-M4MeJ4Nll51TPSUADowney Financial could be next bank casualty/a font size=-1 color=#6f6f6fnobrLos Angeles Times/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.washingtonpost.com/wp-dyn/content/article/2008/11/21/AR2008112104099.htmlcid=1273004320ei=IL8pSZ2VM6iY6AOs2vXHBwusg=AFQjCNHpL5hWu1MR8cMH-OzKJZqchlA_KwFDIC Seizes Three Banks, Expanding bLoan/b-Relief Effort/a font size=-1 color=#6f6f6fnobrWashington Post/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.forbes.com/feeds/ap/2008/11/22/ap5729925.htmlcid=1273004320ei=IL8pSZ2VM6iY6AOs2vXHBwusg=AFQjCNEqP4gNON-bF33cVww-VNEgRLiOpgnobrForbes/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bloomberg.com/apps/news%3Fpid%3D20601103%26sid%3DaAyVj8SZ7Y0I%26refer%3Dnewscid=1273004320ei=IL8pSZ2VM6iY6AOs2vXHBwusg=AFQjCNG4vNbkefWymdOtRl49tKGHckLdMAnobrBloomberg/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1273004320hl=ennobrall 826 news articles/nobr/a/font/div/font/td/tr/table

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