Law Office of J Thomas Black P.c.
Westchase - Houston:
History of Student Loans: Origins
How education is funded and how students pay for it has changed significantly since the inception of the first American colleges. Postsecondary education was once free or very inexpensive, a far cry from the exorbitant sums now expected of students even at state universities. The student loan system that now saddles most students with significant debt is only 60 years old. The evolution of student loans has been attributed to a series of social and economic developments, from changing enrollment demographics to the Industrial Revolution to the World Wars.
More than half of college students fail this 6-question money quiz — would you?
College students face a pile of student loans and credit-card debt, but many don’t understand financial basics.
The surprising debts that are holding many Americans back
Credit card debt and student loans aren’t the only culprits
5 tips for tackling your student loan costs
Student loan debt stats are startling — which means you need these tips more than ever.
A Beginner’s Guide to Repaying Student Loans
A road map to help those with student loans steer clear of common repayment mistakes and protect their credit scores.
How does student loan deferral affect your credit?
It doesn’t. But there are things to know when it comes to deferments, forbearances and your credit score.
How to Refinance Your Student Debt
Consolidating student loans can reduce paperwork and lower your monthly bill.
Questions Families Need to Ask About Paying for College
Vital (but rarely asked) questions about paying for college—tuition, loans, grants, work study and more.
5 Common Student Loan Mistakes
This post has been updated. Please view the latest version: 8 Common Student Loan Mistakes 1) Not figuring out how much you’ll need to pay each month As you’re trying to plan your life after graduation, it’s important that you know how much you’ll need to pay each month toward your student loans soContinue Reading
5 Tips For Small Business Owners Looking To Get A Bank Loan
The economy’s continued expansion could have you, like many business owners, optimistic about your company’s growth prospects for this year and going forward.
Why Business Owners Need to Know About Credit Utilization
Poor credit utilization can lower your credit score and even affect your ability to get a business loan. Thankfully, though, it's easy to improve your credit utilization once you understand what it is and why it matters.
Student-Loan Debt Has Surprising Impact on Renters' Credit Worthiness
A new analysis from CoreLogic found that renters with student loan debt have higher average credit scores than those without.
Consolidating vs. refinancing student loans: 5 things to know
Taking out student loans is easy. Deciding whether to refinance or consolidate them isn’t.
3 Things to Know About Paying Off Student Loan Debt
I'm having trouble paying my student loans. Do I have any options?
If you or someone you know is having difficulty paying back student loans, take a look at the government's three income-driven repayment plans. These plans--available only for federal student loans, not private loans--are designed to make your student loan debt more manageable by reducing your monthly payment.
Why Your Credit Score Matters in Retirement
You may still be applying for loans and looking for lower rates on insurance to save money.
Why college loans are the worst debt
You can't deduct the interest or get rid of it in bankruptcy, and you'll need gainful employment to repay it
8 Financial Tips for College Students to Save and Manage Money Better
Is your college student ready to face his personal finances? Help your child start off right with these crucial budgeting & money management tips.
Small-Business Loans: Key Financing Questions to Ask
When you need working capital for your growing business, you have plenty of options: a loan from the U.S. Small Business Administration, lines of credit, revenue loans and business credit…
Want to succeed in the future? Establish high-value loan relationships
Shopping behaviors differ among loan categories, Filene research reveals. But on average, less than half of members compare loans from different institutions. Credit unions will rely on member relationships to steer the ship into the next decade, but the tide is turning—and fast. Today’s low-rate environment could persist for years. That’s why more consumers shopping …
