Wired Plastic Prepaid Visa Card

New Card for Convenient Tap-n-Pay Purchases at Merchants Nationwide
No Bounced Check, NSF and Overdraft Charges EVER!
FREE Rewards Program - Earn 1 point for every $1 spent, redeem for Prepaid Wireless Airtime, Music Downloads, LD Calls
FREE Bill Pay Service - Pay Anyone Online or Over the Phone
FREE Credit Builder with Overdraft Protection
FREE Mobile & Email Alerts
FREE Direct Deposit - Eliminate Check Cashing Fees
Add Cash Instantly at 100,000 Retail Locations Nationwide

Your Life Made Easier, with your new Wired Plastic Prepaid Visa Card, its easy to stay in control, pay your bills, and eliminate NSF, overdraft and bounced check fees. Shop online or over the phone, book travel, pay all of your bills (rent, car, utilities) with our convenient Click-n-Pay feature. Add cash instantly at over 60,000 locations including Western Union® for only $3.95. Eliminate check cashing fees by having your paycheck Direct Deposited to your Wired Plastic account FREE. Don’t wait! Have your new Visa card in as little as 3 days with instant online approval and no upfront payment required.
2

DID YOU KNOW?

	Colleges and universities can be expensive… sometimes getting accepted into the school of your choice can be the easy part of the educational journey of the new student. It isn't always easy to find the money that you need to pay for your education, but there are ways to make paying for school much easier. Two of the more common ways to ease the cost of continuing education are student grants and scholarships, both of which provide certain amounts of money that can be applied toward the cost of further education without the need to repay them. Student grants and scholarships aren't always easy to find or to win, but the extra time taken in researching and applying for them is well worth it if you are awarded any of those that you apply for. Defining Grants and Scholarships The first thing that you need to know when looking for student grants and scholarships is exactly what the difference between grants and scholarships is. Both grants and scholarships are funds that are given to students based upon academic performance, financial need, or other reasons, and do not require the student to pay them back after graduation unlike student loans. The major difference in grants and scholarships are their origins and the ways in which they are used. Grants are usually given by government offices and non-profit organizations and can generally be used to cover a variety of different expenses. Scholarships, on the other hand, are usually created by businesses or private individuals and are used to cover specific costs such as tuition or dormitory costs. Both grants and scholarships must be applied for, and are generally considered to be highly competitive since there's only so much grant or scholarship money to go around each semester or each year. Finding Grants and Scholarships There are several different ways that you can locate grants and scholarships to assist with the cost of attending a college or university. Most school guidance counselors have listings of available grants and scholarships, as well as application information on many of them. Additionally, the financial aid offices of the colleges and universities where prospective students are considering attending can provide detailed information on many of the scholarships and grants that their students receive. The internet can also be a useful tool in assisting your search, allowing you to find grants and scholarships that can be applied for that many people don't even know exist. While all of these might not be large grants or scholarships, even smaller ones can provide some much-needed financial aid. The Application Process Unlike many loans, the applications for grants and scholarships are usually somewhat involved and may require several different items in addition to the application. Many scholarship and grant applications require letters of recommendation from former teachers, community or business leaders, or others who can speak knowingly of the applicant, and they may also require essays or other written pieces from the applicant as well. Those scholarships and grants that are given based upon financial need may require that tax statements or earned income statements be provided by the student or by their parents, so that the decision makers might be able to determine that the student falls within the level of financial need that is needed for the particular grant or scholarship. Others may also require that the student or their parents be employed in a certain industry, be a member of a certain organization, or meet other criteria set forth when the grant or scholarship was first created. You may freely reprint this article provided the following author's biography (including the live URL link) remains intact: About The Author

As more students now pursue their studies and carriers, school and college fees have also increased. As a result, most students have huge student loans by the time they complete their studies. Government student loan consolidation offers an option which may reduce the burden of several loans with high monthly payments.

What Does A Government Student Loan Consolidation Enable You To Do?

A government student loan consolidation enables students to consolidate outstanding education loans into a single new loan that lower your monthly payments since the terms of payment will be extended. This gives the students more financial flexibility.

The monthly amortization for the government student loan consolidation will also be lower since the repayment can be spread at a longer period, which makes it convenient to students and parents. The interest rate will also be reduced since the borrower will have a lot of benefits plan options. It is advisable to consolidate your loan right after graduation before the grace period ends. This will allow the borrower to lock in the lowest interest rate possible on the loans.

The main advantage of a government consolidation loan is that they have lower monthly payments and have flexible terms and conditions for repayment. The rates may be as low as 3.5% and are computed at a fix rate. In addition, you will have a single and easy repayment since you only have to sign one check each month.

Who is eligible for the government student loan consolidation program? Generally, all students with federal student loans are eligible for government student loan consolidation. However, the student must have more than one federal student loan and the student must also be in good standing with their loans. Students with more than $10,000 outstanding student loans are eligible on this program. The borrower should also no longer be in school halftime or even more. The repayment period you will get for your consolidated loan will depend on the total loan amount you have.

Stafford Loans, Federal Consolidation Loans, Perkins Loans, Parent Plus Loans, HEAL/HPSL Student Loans, Federal Direct Consolidation Loans and many more are the types of loans that can be consolidated with this program.

One can also have a private student loan consolidated. However, it is not recommended for you to consolidate federal and a private student loan because you are not able to defer payments on private loan consolidation but you can with the federal loan consolidation if you want to go back to school. With the private loan consolidation, you cannot forbear payments if you ever have economic hardships. In addition, private loans are not eligible in claiming for tax deductions.

By consolidating your federal student loans, you reduce the number of credit loans you may have. This will also create a good credit score that will enable you to better terms for private loan consolidation. Credit check is also not required with the government student loan consolidation since the US government guarantees federal student loans.

It is very easy to apply for a student loan consolidation. Loan Counselors on your schools will be able to advise you of the procedures. You have an option to apply online, via mail or telephone. Normally, it takes 1 to 3 months to consolidate.

Government Student Loan Consolidation program offers you the convenience that comes with having one loan with lower interest rates and one payment per month.