Wednesday, July 1, 2020

The Tremendous Value of Private Loan Prequalification

HomeFinancePrivate LoansThe Tremendous Value of Private Student Loan PrequalificationThis page may contain affiliate links.Dec 19, 2018 Are you able to do a prequalification for your private student loans? If you aren’t sure – or the answer is no – you may want to look for another lender. Prequalification is enormously valuable, and if you don’t take advantage of the process you’re definitely missing out. Here’s what you need to know about prequalification and how to find lenders that offer it! [Federal and Private Student Loans From A to Z] What is Private Loan Prequalification? While a federal loan is offered through the government, a private student loan is offered through individual banks and credit unions. With a federal loan, everyone gets the same interest rate. But with a private loan, the interest rates vary depending on your credit and other factors. Prequalification gives you a chance to move beyond the printed interest rate ranges offered by lenders. The lenders will do a soft credit hit – which does not impact your credit – and ask a few other questions to determine a more specific credit result for you and your student. Once you answer the questions, the lender will be able to give you additional specific information. These details may include: A more specific interest rate or range for your situation An estimated loan amount you will be approved for Any fees that may be included The estimated payments you could owe depending on the loan terms you choose Don’t Worry – Research! Once the college admission process is complete, you have a waiting time before you get your student’s final financial numbers. Students are choosing classes, making housing choices, and determining meal plans. What do you do during those months? Don’t worry – research! You don’t want to apply for private loans or parent PLUS loans until you receive the final financial bill from the school. After all, many lenders limit you to the actual cost of attendance, and you don’t know that amount right now. Instead, look for options. Start by comparing private lenders based on key factors: interest rates, prequalification options, cosigner release, and hardship release options. Then, take advantage of prequalification to compare your top lenders to each other. You’ll get much more specific information, and you’ll have your private loan options narrowed way down by the time you need to actually apply. Not all lenders have prequalification as an option. But for those that do, you have a lot of additional information at your fingertips and ready to go when the application time arrives. LendersInterest RatesPre-QualificationCosigner ReleaseLenders Profile Variable: 3.80% – 11.80% Fixed: 5.25% - 11.90% Yes with CredibleYesCitizens Bank Student Loans Variable: 3.69% - 10.94% Fixed: 5.29% - 12.07%YesYes College Ave Student Loans Variable: 3.73% - 9.11% Fixed: 5.38% - 9.21% YesYesCommonBond Student Loans Variable: 4.99% - 11.24% Fixed: 6.49% - 11.99% NoNoDiscover Undergraduate Student Loans Variable: 4.53% - 9.61% Fixed: 5.36% - 9.69% YesYesLendKey Student Loans Variable: 4.00% - 10.86% Fixed: 5.74% - 11.85% No YesSallie Mae Student Loans Research Makes Private Loans Easier It’s important to know everything you can about private loan options before it’s time to apply. Prequalification is a tremendously valuable tool that will let you know what you’re likely to receive in your specific situation. There’s no need to complete a long application process if you can find out information without it! Keep an eye out for prequalification options and take full advantage of them.

Racism in Sports - Free Essay Example

This article was written to tell its readers about the problems that is going on in sports in todays society. In the article it talks about how sports fans only see what the media wants you to see but it doesn’t show the real problems that are really going on behind the scenes on the field and on the court. The article states that there are problems with not on racism in perfectional leagues but also with universities. This article talks about how racism is happening in colleges and for many African-American’s even if they go to the college people see them as an athlete and not there for a degree. The article will give the readers more information about racism in professional leagues and also in college sports as well. The article is not only about racism in sports but will also be about how those that works to promote and protect the athletes as well. I’m going to use this source to help give me more information about the aspects of not only college sports but also different angles for my paper. I’m also going to use this source to help me get a better understanding of the opinions of the author, so I can understand the information more clearly. I want to know more about this subject so this source that I found will give me the information that I need to understand my subject a little more. This article is about how there are many accounts of racist slurs being directed towards the opposing teams at school sporting events. The article doesn’t go very into detail on the subject, but it did have recent accounts of this happening though. In the article it tells you who the racist slurs were being directed at and it also mentioned just some of the punishments that was received to those who said the racist things. The article also mentioned that not only were the adults but also some of the children also were the ones saying the racist slurs. The article also stated that there were even some death threats to an owner of an Idaho soccer club. The article also states that there are more and more of these types of issues happening around the US. The article also stated that there is more of a political level to this issue as well. I found this article to be really informative on my subject because it not only gave me different things that had happened recently to why it might be happening. I found that the different examples of racist slurs around the Us. This article will give me a different perspective when I’m writing my paper. This movie is based off a true story and it tells about a time during WWII when we discriminated against those that were Asian. This movie tells the story of a baseball team of Japanese boys who just wanted to play the sport that they love but WWII was happening, and it was hard for them to play. The movie takes place in Vancouver Canada and because of the boys love for the game they started their own league. The boys had helped a lot of people during that time that was scared about the war to break the racial boundaries the movie includes recent interviews with some of the players from that time. The movie shows its advances what it would have been to live during that time and to be growing up then. The movie also goes into the lives of some of the players and what it was like during such a difficult time in the world. I will use this movie because it tells about the history of a different angle on sports and it will give me a better view on what it was like to be an athlete during WWII. I want to use this movie to add some history and to show a different side of baseball and sports. This article starts out by talking about an incident that had ended with the death of an unarmed seventeen-year-old just because he was African American. After the kid’s death some African American athletes posted a photo stating â€Å"#WeWantJustice† that had sparked a conserver on whether or not athletes should have a say in these types of things. The article also goes into detail on the political side of things also. This article also mentioned that there have been more incidents where unarmed African Americans gets killed. The article goes into great details about a lot of incidents that are happening in the Sports world when to comes to standing up for Justice towards racism. This article also mentioned that politics are starting to be an issue with racism because for some Major Sports Leagues, the players can’t stand up for what they believe in or they will get fired. I found that this article has a lot of great information that I’m going to use in m y paper and this article made a good point on pointing out that our ways of standing up for what we believe in is an amazing thing. I found that this article is filled with a lot of good points that I want to touch more on in my paper. I am using this website because I have found that it has the best information. The site has the most up to date information about my topic. I have found that some of the major information that I am going to use is going to come from this page for the reason that I feel that it has some information that you can’t find at the other sources out there. I have found that I have gotten some very valuable information from this article and that it will direct me in the direction that I will need to go with my paper to begin with. This resource that I’m going to use has stated many interesting information about how there is not only racism going on in our sports leagues but also that racism is happening around the world as well. The article has given a really good example of racist comments and how some people deal with it. There was one example that really stood out to me was that there are many bias fans out there and what they do to get back at someone in their rival team, an d how they go after only one person. This article will be one I will be using to branch out from. This article gives a lot of great points on racism in sports. This article touch’s on how everyone really needs to watch what they say. In the article they start off by talking about an incident that happened on live TV when there was an interview with a retired CBS reporter. The reporter started talking about how African Americans are starting to take over major sports and that they will soon start to couch as well. This article touches on an issue that had happened and it talks about how the views reacted to his comments. The Director of CBS had commented that he never knew about the reporter’s point of view and cut ties with him. This article also touches on how there was a survey down that had shown that African American player receive most of the negative coverage from many reporters. This article also touches issues in college sports and it also talks about the issues that are going on. I found that this article has many different layers to it. I will be able to get a lot of my information on the different aspects on my topic. This article was one that I found as a lot of inflation on not only the issues around racism in social media but also on college sports too. This article is about how talks about a duration of about twenty years This article talks about different incidents that has happened over those twenty years when it comes to African American athletes and it tell the readers that this issue is getting any better. This article is very interesting because it is about a period of time that this topic was still new, and it hasn’t gotten any better over those twenty years. The article tells their readers that there have been many different incidents that has happened in not only perfusing sports but also in college sports as well. This article goes into detail about incidents that has happened to African American athletes over the years and what had happened to them over those years. This article is a survey about racist acts that has happened over those twenty years and the things that has happened to the African American athletes. I really enjoyed this article because it gives me the information that I need to succeed in my rese arch paper. This article goes into what they have found over those twenty years and that information that they have found will help me go further into the history part of my paper. This source that I have picked to use for my topic is from a survey they did to see the bias between the races in the major football league. This has given me many interesting facts from their findings that I never really thought of before. This article goes into great detail about how some fans feel about the different races that are playing for the U.S for not only the Football league but for all of the other major sports like the Olympics and college sports too. I feel that this well give me information about not only the different sports but some of the professional athletes that are mentioned in the article. This article will give me some of the information that I need to help answer my question and it will also help me to be able to tie not only the athletes but also the some of the views from the fans. I find this having at least one survey relating to my topic will help add more concrete facts to help with my overall topic. Bias is something that we all feel and experience bu t for some fans they do something about it. This article that I found will help give me another angle on my topic that will benefit me. This article talks about an incident that had happened to LeBron James home when a racist slur was written on his homes gate. This article talks about how there are many different opinions on racism in the world. LeBron James had commented that if the issue keeps the talk of racism moving then so be it, but he wants something to change. This article was also mentioned on the ESPN article about this not being the only incident that had happened recently. This article goes into many different angles and it give a lot of information about what had happened to LeBron James and those around him too. The information that is presented in this article also states that this wasn’t the first time that something like this had happened to LeBron and it states that it had happened during a game as well. This article had also mentioned a civil rights lawyer that has the same views as LeBron James when it comes to racism as well. I found this article to be very informational because it will give me some opinions from a Professional athlete when it comes to racism and it will help me understand my topic a little better. This article touches on the issue in Europe to show that there is also racism happening all around the world. This article is about some violence’s and racist acts that had happened during a soccer game in Europe. The teams that were playing against each other was Poland and Ukraine. What had happened was that there had already been incidents over the season and the fans to their teams feel that their teams are the better one and thinks that if the chant racist slurs it will make their team win. Ukraine had known that this was going to happen so their team was already ready to handle the slurs and chants. This article also is about how there are more and more issues like this that are happening all around the world. There are being more and more racist acts when it comes to sports fans and the way they fight for their teams win. I think that this article is very informational because it has an international view on my subject and it will help me to show that this issue is not only happening in US sports but around the world as well. This article is very interesting because it goes and gives different details of incidents that has happened over the season. Bibliography: 1. Anderson, P. (n.d.). Racism in Sports: A Question of Ethics. Marquette Sports Law Review, 1-53. Retrieved from Marquette Sports Law Review: https://scholarship.law.marquette.edu/cgi/viewcontent.cgi?referer=https://www.google.com/httpsredir=1article=1156context=sportslaw 2. Cook, B. (2018, February 9). Whats behind all the racism at youth sports events? Retrieved from Forbes: https://www.forbes.com/sites/bobcook/2018/02/09/whats-behind-all-the-racism-at-youth-sports-events/#1affc1142b85 3. Films for the Humanities Sciences, InfoBase, National Film Board of Canada. (2013). Sleeping Tigers, The Asahi Baseball Story. New York, N.Y.: InfoBase. 4. Hall, E. A., March, R. B. J., Reynolds, J. M. (2017). Policy PointCounterpoint: Do African American Athletes Have an Obligation to Fight Against Racial Injustice? International Social Science Review, 93(2), 1–9. Retrieved from https://ezproxy.library.skagit.edu/login?url=https://search.ebscohost.com/login.aspx?direct=truedb=a9hAN=127007917site=ehost-live 5. Lapchick, R. (2018, January 12). Racist acts in sports were on the rise in 2017. Retrieved October 2018, from ESPN: https://www.espn.com/espn/story/_/id/22041345/racism-continued-rear-ugly-head-sports-2017. 6. Lawrence, A. (2018, October 2). How the natural talent myth is used as a weapon against black athletes. Retrieved from The Guardian: https://www.theguardian.com/sport/2018/oct/02/athletes-racism-language-sports-cam-newton 7. Primm, E., DuBois, S., Reguli, R. (2007). An Exercise in Subtleties and the Transmission of Racism: An Analysis of Sports Illustrated Covers. Journal of African American Studies, 11(3/4), 239–250. https://doi-org.ezproxy.library.skagit.edu/10.1007/s12111-007-9025-2 8. Schmidt, A., Coe, K. (2014). Old and New Forms of Racial Bias in Mediated Sports Commentary: The Case of the National Football League Draft. Journal of Broadcasting Electronic Media, 58(4), 655–670. https://doi-org.ezproxy.library.skagit.edu/10.1080/08838151.2014.966364 9. Scott Gleeson, Scott Gleeson, USA TODAY Sports. (n.d.). Jackson lauds James compares him to Ali. USA Today. Retrieved from https://ezproxy.library.skagit.edu/login?url=https://search.ebscohost.com/login.aspx?direct=truedb=a9hAN=J0E369547129217site=ehost-live 10. Watson, M. R. (2013). The Dark Heart of Eastern Europe: Applying the British Model to Football-Related Violence and Racism. Emory International Law Review, 27(2), 1055–1104. Retrieved from https://ezproxy.library.skagit.edu/login?url=https://search.ebscohost.com/login.aspx?direct=truedb=a9hAN=96367721site=ehost-live