Student loans, unlike grants and work-study, are borrowed money that must be repaid, with interest, just like car loans and home mortgages. You cannot have these loans canceled because you didn't like the education you received, didn't get a job in your field of study or because you're having financial difficulty. Loans are legal obligations that…

This guide describes the four types of loans offered by the Direct Loan Program[SM]: (1) Direct Subsidized Loans; (2) Direct Unsubsidized Loans; (3) Direct PLUS Loans; and (4) Direct Consolidation Loans. Among the topics covered in the guide are: Use of Your Loan Money, The Master Promissory Note, How Your Loans Will Be Disbursed (Paid Out),…

When an individual is considering college--or some form of education after high school--financial aid almost always comes to mind. While an individual has the primary responsibility of paying for college, sometimes those funds just aren't enough and he needs to look at other resources. The U.S. Department of Education provides more than $150…

The 2009 Nevada Legislature approved Senate Bill 317 (SB 317) requiring that Nevada's public high schools, including charter schools, provide instruction in financial literacy. In an effort to assist school districts with implementation of instruction in financial literacy, the Nevada Department of Education assembled a task force (Financial…

Explication of the basic law defining the rights and responsibilities of creditors and creditees is given. (LH)

This report tells what information is likely to be in a credit report; how it is collected, filed, and communicated; and how individual rights regarding credit are protected by law. Topics covered include: (1) information generally contained in a credit profile (identification, family status, public record information, credit accounts, and…

This guidebook assesses the feasibility and potential impact a specialized lending program might have on the capital needs of community-based child and family services. It explains the need for quality facilities and how physical space can affect child care quality and the program's impact. Also described are the problems associated with capital…

Designed to assist prospective buyers in making such important decisions as whether to buy a new or older home and within what price range, the guide provides information on the purchase process. Discussion of the purchase process covers the life-cycle costs (recurring homeownership costs that must be met every month); selection of a home;…

This article describes several university fund-raising programs that encourage the use of credit cards and electronic fund transfer in alumni giving. Noted are some problems and guidelines on setting up the system, working with the bank, appointing an in-house expert, and maintaining personal contacts with donors. (DB)

This report describes principles and techniques for credit management. Topics covered include: (1) methods of determining personal credit limits; (2) ways to keep track of credit use; (3) suggestions for planning credit use; (4) explanations of single-payment charge accounts, revolving credit, installment credit, and consolidation loans; and (5)…

This document identifies the information that should be included in a business plan, and in what order, to make it an effective management tool and an effective tool to communicate a proposed or existing company's strengths and potential to potential financiers. Following an introduction, the document explains the following sections of a business…

Designed to assist established businesspeople with the development of a loan proposal, this workbook offers information on sources of financing and step-by-step guidance on applying for a loan. After chapter I discusses borrowers' and lenders' attitudes towards money, chapter II offers suggestions for determining financial needs. Chapter III lists…

Designed to assist prospective buyers in making such important decisions as whether to buy a new or older home and within what price range, the guide, written in Spanish, provides information on the purchase process. Discussion of the purchase process covers the life-cycle costs (recurring homeownership costs that must be met every month);…

A credit-rating tool for colleges seeking bond financing is described, using The Colorado College experience as a case study. The process discussed gives college chief financial officers a better understanding of how the bond rating agencies evaluate institutions' credit-worthiness. Substantial data charts and graphs are use for illustration. (MSE)

Designed as an at-home course to help users develop a realistic budget plan and set up a workable record-keeping system, these course materials provide practical tips, ideas, and suggestions for budgeting. The course begins with a nine-step budgeting process which emphasizes communicating among family members, considering personal or family…