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Private Loans: Closing The Gap
With tuition and fees rising, you could find that your financial aid wont cover the entire cost of your education. You may need to consider applying for a private loan, sometimes called an alternative loan.
Private educational loans are one way to provide additional funds to close the gap between your financial aid, your financial resources and school costs. But they should be used only after you exhaust all other possibilities of federal, state or school financial aid.
Contents
- Private Loan Basics (00:55 min)
- Considering a Private Loan (01:35 min)
- Getting Ready (01:45 min)
- Costs: Interest Rates & Fees (02:28 min)
- Finding the Best Deal (05:28 min)
- Tips & Alternatives (01:22 min)
- Making the Right Decision (00:35 min)
Long Term Planning: Securing Your Financial Future
"Long Term Planning: Securing Your Financial Future" was developed so that you can learn to identify and develop your financial goals. You learn about the importance of saving, investing and protecting your assets. You receive an overview of the most commong retirement plans. You'll also find a glossary of terms, FAQs and worksheets to help you understand and clarify the concepts and terminology.
There are two versions of the session, a basic and advanced. The basic version was produced for Edfund and the advanced version is for UCLA medical students and residents. You can find the basic version at the following URL: http://www.edfund.org/real/long_term_finance/index.htm.
Contents
- What is Financial Planning? (02:42 min)
- Why Plan Now? (02:42) min)
- Saving and Investing (03:06 min)
- Retirement Plans (06:13 min)
- Protecting Your Money (02:28 min)
- Start Now! (01:18 min)
Smart Budgeting
This session focuses on short-term financial planning, guiding students through the process of creating a budget and managing finances. It features cost-saving tips and strategies to keep student loan borrowing to a minimum.
There are two versions of the session, a basic and advanced. The basic version was produced for Edfund and the advanced version is for UCLA medical students and residents. You can find the basic version at the following URL: http://www.edfund.org/real/less_is_more/index.htm.
Contents
- Why do you need this? (01:41 min)
- Determining how much money you have for school (01:09 min)
- Figuring out how to schedule your payments (00:41 min)
- Living on a Budget (02:45 min)
- Strategies for Reducing Debt (02:03 min)
- Why Save During School? (01:24 min)
Show Me The Money!
Strategies for Thriving in the Face of Debt. A videostreamed presentation by Jeffrey E. Hanson, Ph.D., Director, Debt management Services from the Access Group, Inc. @. It presents four strategies that can help you thrive in the face of debt and succeed in achieving your financial goals.
Contents
- Your Educational Inverstment (02:40 min)
- Financial Strategies (02:13 min)
- Goal Setting (07:15 min)
- Impact of Borrowing (23:00 min)
- Your Spending Plan (45:08 min)
- Minimizing Borrowing (03:20 min)
- Making Funds Last (01:37 min)
- Good Financial Habits (04:00 min)
Electronic Entrance Interview
The David Geffen School of Medicine at UCLA utulizes the ASAP/Union Bank & Trust's web-based video and quiz to comply with the federal requirement of an Entrance Interview. Students are required to watch the 16-minute video, take the electronic quiz and to report the test results to the school of medicine's Student and Resident Financial Services Office.
Contents
- Introduction to Video (01:06 min)
- FFELP Players (02:03 min)
- FFELP Loan Terms (03:25 min)
- Cool Tools - FREE software information (01:33 min)
- FFELP Rights & Responsibilities (01:49 min)
- FFELP Repayment Choices (02:49 min)
- Consequences of Default (01:30 min)
- Interest Deductibility of FFELP Loans (01:04 min)
- In Closing (01:48 min)
How Much Will My Student Loan Payments Be?
Are you anxious to see a picture of what your actual repayment may look like after the completion of college or graduate school? ASAP/Union Bank & Trust has worked out the math fo ryou on this simple-to-understand 24-minute presentation. The video also discusses repayment strategies you may want to consider upon first borrowing for your education.
Contents
- Introduction to Video (01:02 min)
- Financial Decisions (05:43 min)
- Loan Repayment Examples: (15:24 min)
- - Sandy the Undergrad - $17,000 debt
- - Stan the Grad - $55,000 debt
- - Dolly the Doctorate - $106,000 debt
- - Dr. Healing - $160,000 debt
- Notes on Student Loans (02:16 min)
How Much Debt Can I Afford For My Dreams?
After obtaining a considerable student debt, are you wondering how much you can afford in terms of a home or new car? Having trouble with card debt, or curious about private student laons? If so, this is the presentation for you.
This video is presented by Kelly Kilby, Vice President ASAP/Union Bank & Trust. It has acompanying worksheets in order to perform the credit scoring analysis for each type of loan product. Go to the following URL: http://www.slsolution.com/video/Worksheets-www.PDF, to determine which worksheets you will print and use during the presentation. We advise everyone to printout and use "The Basics of Credit" sheet which will instruct you on obtaining your national credit report(s). You will need Adobe Acrobat Reader (a free download) to view these worksheets.
Contents
- Introduction to Video (01:15 min)
- The Basics of Credit - Credit Reports (04:00 min)
- Credit Scoring - How do you rate? (06:23 min)
- Consumer Loans - Credit Cards and Personal Loans (07:18 min)
- Auto Loans (07:04 min)
- Mortgage Loans (07:30 min)
- Home Equity Loans (05:05 min)
- Private Student Loans (07:53 min)
- In Closing (00:30 min)
Gorilla Guide To Credit
Let the "Gorilla Guide to Credit" help you navigate through the credit jungle! Learn how to: protect your credit, establish good credit, repair credit problems, understand credit reports and other helpful credit tips.
