Fed Financial

Is consolidating my federal student loans with Direct Loan Servicing my best option? Do they have the best rate? After all, THEY ARE the government, whom regulates rates, correct?

What happens if I decide to repay my Federal Direct Student Loan early?

Is there any way to consolidate federal student loans with a private student loan before the july 1 deadline? I have 3 student loans through the federal gov't (perkins, federal direct and a "GATE" - AES loan). I also have a small private student loan through citibank. I want to consolidate all 4 by the July 1 deadline but no one will combine private and federal. I get ads in the but they all seem like scams to me. Any financial experts have any ideas?

Thinking to refinance my federal student loans. What would be the process like? I'm trying to combine my federal direct and PLUS loans? How hard will it be?

Do all eligible federal student loans have to be included when you consolidate? I consolidated my undergraduate federal student loans a while back fixed @ 3.25%. I now have two seperate graduate student loans (also federal) that I would like to consolidate at a fixed rate so I can pay them off more easily. My undergraduate loan is a higher amount than my graduate loans combined and at a very favorable interest rate. Can I consolidate only my two new loans without including my low interest loan? I would not go through a private company, but rather through "Direct Loans." Having a singe payment is not my priority, I am looking for a fixed interest rate (preferably the lowest possible).

How do i get my federal student aid direct loan audited? I am disputing my billing history but have gotten no where with the "customer service" people on the phone. there has to be a way to get my loan audited. please, help!

I want to pay off a Federal Student Loan (Direct Loan) in one year. Any restrictions? Do I have to pay min?

I am a graduate student. If I am over awarded, do I need to pay back federal direct loan right away.? I am a graduate student. I received federal loan at the begining of the semester and then I received fellowships which make the total aid more than cost of attendance. Do I need to pay back direct loan amount I received in this semester right away.

conservatives: why are you against the federal student loan program? i thought you supported the average middle class family. do you think it helps the students, just like how you think the lack of social programs helps the poor? http://en.wikipedia.org/wiki/Federal_Direct_Student_Loan_Program

Do Federal student loans cover room/board? If not, what are some loans that do cover this? Yeah, I got a Federal Direct Subsidized loan this year, but I'm only going to a regional campus. If I got the same next year, does it or any other student loan or federal grant I get pay for room/board? If not, what loans do pay for room/board that I could get easily?(without much credit history and my mom doesnt really have much credit)... Well, I do have a job. I've been working at this one place since the end of July, and don't see myself leaving there anytime soon. I also had a couple jobs that didn't last that long before this job that has lasted awhile.

which loan is better the Federal Direct Subsidized Loan to meet need or the Federal Perkins Loan? these are the terms William D. Ford Federal Direct Subsidized Loan to meet need : The William D. Ford Federal Direct Loan program is available to undergraduate, graduate, and medical students based on financial aid eligibility. The federal government will pay interest on this loan while you are enrolled in college at least half-time. The application will not be processed through a bank, but rather through UCI and the U.S. Department of Education.The guarantee and origination fee will be deducted from the loan amount you borrow. You will be charged a 2.0-percent origination fee. A rebate of 1.5 percent of the loan amount will be included in each disbursement. If you advance a grade level during the academic year you may be eligible for a higher maximum annual loan limit. Otherwise, you must wait until the period of time equal to an academic year elapses to borrow again under the William D. Ford Federal Direct Student Loan Programs (subsidized and unsubsidized). Interest Rates are fixed at 6.0 percent. the second loan is: Federal Perkins Loan The Federal Perkins Loan is a long-term federal loan for students who demonstrate financial aid eligibility. Cumulative totals for the full term of college attendance may not exceed $20,000 for undergraduates and $40,000 for graduate students. Interest rate 5 percent per year during repayment Deferment period before repayment Information regarding deferments will be provided at your exit interview. Also, you may refer to your promissory note for the information. Full repayment up to 10 years Minimum payment $120 per quarter

Can I put private education loans in my federal consolidation loan? I was just called by Sally Mae; the very rude collection agent was demanding that I make payment immediately for my loan that is 60 days overdue. I am currently doing the paperwork for a William D. Ford Federal Direct Loan to consolidate all of my student loans together. The agent told me that would not take care of this loan because it is a private student loan not a federal. Is this true? What options do I have if any to get all of my loans consolidated together?

Difference between the student PLUS loan and a federal direct subsidized loan? Hi, Im starting school in the fall and I checked my financial aid status, I am allowed to receive 2 types of loans: 1) fed direct loan subsidized 1, and 2.) a fed direct PLUS loan. What is the difference between the two? when do I have to pay them back? I dont want my mom to use her credit, and since I know PLUS loans are for parents, it is my idea, not hers to take it out, so can i use my credit instead? what is the interest on each of them?.....Should I just decide to take out a credit union student loan ( I am considering the usc credit union loan), instead of two different loans, in order to just have one balance? the usc credit union collegiate loan is available to all students regardless of where they attend right? I mean, besides having your credit approved first. has anyone taken out a student loan from this credit union? any info is greatly appreciated.

If I consolidate my student loans can I differ them if I come under financial hardship like individual loans? I have 52k in student loans, my wife has another 30k. The first question is should we consolidate them all togeather and 2nd question is what if we have a finacial hardship or some other unforseen event and cant make the payments. Does the William D Ford Federal Direct consolidation loan have deferment options like I do now with all these individual loans? Thank you all for your time.

federal direct loans? Wat student loans are better to work with

Federal Direct Parent Loan Approval? Background: I plan to be a freshman at the University of Washington. I'm an out-of-state student from Illinois. I received the following financial aid: Federal Pell Grant $4731 Federal Supplemental Grant $4000 Federal Perkins Student Loan $3000 Federal Work Study Program $3300 Federal Direct Sub Stafford Loan $3500 Federal Direct Parent Loan $17,265 My father and I are very concerned about the Federal Direct Parent Loan. When I graduate from the university, my father will be in his 60s, retiring. His credit score is not very good as a result of various financial issues relating to illnesses, divorce and family issues. Will the Federal Direct Parent Loan be denied? It seems very unfair to me, seeing that the University of Washington offered it to me. Throughout my college search process in high school we were told that the financial aid packages from universities were worry-free. Please advise me, I'm rather upset :(

Do I have to take out loans I accepted on my financial aid offer? I filled out my financial aid offer in March. I accepted the federal direct unsubsidized student loan and the Parent Plus loan for the full amount, because that was the only way I had to pay. Now I have received some scholarships and I don't know if I am required to take out the full amount of the Plus loan of if I can forget about it(what I would like to do). I haven't filled out the promissary note yet, and I haven't done the bank application. Can I get out of the Plus loan?

best company to consolidate student loans with?? I currently have 4 student loans out. One in a small loan I plan on taking care of myself. One is Sallie Mae. One is a Federal loan and one is a Direct Loan. I want to reconsolidate my loans and am wondering which company offers the lowest interest rate?

Do any of the federal financial aid loans pay off prior collegiate balances? I want to get back into school, but before I can do that, I need to pay off my past balance of $10,000. I already tried to apply for the Stafford loan, but I was told that it cant be applied to prior balances. I am trying to avoid gettin a personal loan from a bank because I have horrible credit. Is there any federal loan that will cover this? These are the loans I have heard about: - Auxiliary Loan Assistance for Students (ALAS) - Stafford Student Loan, formerly know as the Guaranteed Student Loan (GSL) - Parents Loans for Undergraduate Students (PLUS). Must be incurred for the use of the individual contracting for the program (not others such as relatives) - Consolidated Loan Program. Only covers the member's education expenses - Federally Insured Student Loans (FISL) - Perkins Loan, formerly known as the National Direct Student Loan (NDSL) - Supplemental Loans for Students (SLS)

Where can I find a student loan with low interest rates? I am entering my Sophomore year at a private, four year institution this year and still need to pay $7,649 before the beginning of the school year. This amount was determined after subtracting the total awards that the school awarded me from the total tuition for the school year. Today I applied for a $3,500 Federal Stafford Loan through Nellie Mae. Every road I take is a dead end in terms of finding a company with low interest rates. I am the first member of my family to attend a post-secondary institution, let alone full-time, and really have no idea what I'm doing. Last year, my parents applied for a Federal Direct Loan for $6,000 and we're currently paying on that amount. I'm really worried that my total loan amount is going to be enormous when I graduate and that I will have no way of paying it off without living at home. Any suggestions about a good company or other financial advice is greatly appreciated, so much that I will reward someone with ten points. Thanks. I was told that we're paying on the loan right now because it is in my parent's name. Thanks for your input, Joe.

Can I deduct the interest paid on my student loan from my taxes? If so, how? I have a Ford Federal Direct Loan. The 1098-E stated $1,162 collected. I calculated that I actually paid $692.30 in interest(I needed a forbearance for part of the year.) Any help would be appreciated? It is all rather vague at the IRS website....hmmm imagine that!

if conservatives want to help the average, middle class american family? why do they keep trying to end the FDSLP program? [federal direct student loan program; helps college students pay off loans] and why are they trying to raise student loan interest rates?

Interest Rates on Student Loans? Hi, everyone. I have specific Qs about student loans for people who have experience in paying back or dealing with student loans. First of all, I am a recent college graduate and I will have to start paying back my student loans in 6 months after grace period ends. Today, I looked at the interest rates of all my loans. And they all have interest rates around 6.5%. All my loans are Federal Direct Stafford Subsidized Loans. Until I checked today (I should have checked it sonner), I expected the interest rate to be around 3-4%. 1. Is my interest rate too high compared to other students? 2. Is there any way to reduce the rate through Fed. Gov. before I start paying back the loan? 3. I get so many calls from bunch of private loan companies saying they will get me the lowest interest rate possible. Should I use one of them as a last resort? Thanks in advance for any insights.

I need help finding a student loan.? I am a sophomore college student trying to find a loan for about 5,000. I am trying to purchase a car because I commute to school. I already received the Federal Direct Loan, but it was a very small amount. I have a cosigner with good credit, but he is unemployed at the time. PLEASE HELP!!

Student Loans , What is the best path? Hi everyone, I will be attending a 4 year school in the fall.The school uses the Federal Direct Stafford Loan which I can only get unsubsidized. Tuition each semester is $9500. After a $2000 scholarship and the Federal direct stafford loan I will still owe $4750 each semester. Is there any advantage to getting a Direct PLUS loan over a private loan to cover the rest of the funds. My parents have good credit history and are willing to cosign or borrow in their name. I have noticed the direct PLUS loan has a fixed intrest rate of 7.9% and the payments on the principal begin almost immediately. This rate seems kind of high. If I apply for a private loan with my parents backing is their a chance I can get a better rate and only pay intrest on the loan while in school not the principal? I have read avoid taking a private loan at all costs. Is this true ? should I stick with the PLUS?

What are the different student loans? I had taken out two student loans back in the day. I went to the federal website to check on the loans. I only took out two loans. What is showing on here are the following: Direct Consolidate Unsubsidized Direct Consolidated Subsidized Staffor Subsidized Stafford Unsubsidized

Student loans, grants, etc. Please help!? I just got my award info from my school. Here it is: Financial Aid Award Fund Status Amount Fdrl Direct Subsidized Loan Offered $5,500.00 Fdrl Direct Unsubsidized Loan Offered $5,000.00 Ohio Instructional Grant Accepted $1,290.00 Ohio Leader Scholarship Accepted $6,230.00 Ohio Resident Scholarship Accepted $4,850.00 Federal Pell Grant Accepted $4,050.00 Federal Perkins Loan Offered $2,500.00 Fed. Supp. Ed. Opp. Grant Accepted $1,000.00 Total $30,420.00 My question is, what's the difference between the unsubsidized and subsidized loans? What about the grant? What is so good about the Federal Perkins Loan? Should I take the loans that they are offering, or go through Sallie Mae (I already have several loans with them)? Thanks alot for answering. prtybrwnskin, i'm married and legally on my own. I'm in school and work, so I only make so much. I guess the government finally decided I was worth something. :)

Can I get a private student loan after 21 months of credit history w/ ok credit? Alright..I don't have the greatest credit history for sure but I'm trying to preserve it as much as possible. I am currently (& desperately) looking for a job to save and pay off my debts by August. unfortunately, the school I want to transfer to for the nursing program in another state- WA, in fall, does not allow any federal/ direct loan and I'm not even eligible for the Pell Grant. Well, I just want to know if it's a guarantee that I would be approved for a large loan when i reach that 21 months, few months of work history, and NO co-signer, because I won't be working and going to clinicals at the same time until I finish the LPN-RN program. Advice, Knowledge anyone? Thanks!

I am a graduate student. If I am over awarded, can financial aid office cut my not yet disbursed fellowship? I received federal loan at the begining of the semester and then I am also offered fellowships that make the total aid more than cost of attendance. Do I need to pay back direct loan amount I received in this semester right away. Does the financial office cut the loan amount I already received from my not yet disbursed fellowship.

Direct Loan / Loan for Living in College? I was on the Federal Student Aid website, and I saw something about a Direct Loan. I tried to find out what it is, but I didn't see anything. What is a Direct Loan and how do I get one? Feel free to give me any additional information. I need a small loan to cover my living expenses in college. Any help would be appreciated. Thanks!

Who asked this question (hands down, one of the worlds longest questions)? Let me, if I could, go to the Civil Rights Restoration Act. In 1981, you support an effort by the Department of Education to reverse 17 years of civil right protections at colleges and universities that receive federal funds. Under the new regulations, the definition of federal assistance to colleges and universities would be narrow to exclude certain types of student loans and grants so that fewer institutions would be covered by the civil rights laws. As a result, more colleges and universities would legally be able to discriminate against people of color, women and the disabled. Your efforts to narrow the protection of the civil rights laws did not stop there, however. In 1984, in Grove City v. Bell, the Supreme Court decided, contrary to the Department of Education regulation that you supported, that student loans and grants did indeed constitute federal assistance to colleges for purposes of triggering civil rights protections. But, in a surprising twist, the court concluded that the nondiscrimination laws were intended to apply only to the specific program receiving the funds and not to the institution as a whole. Under that reasoning, a university that received federal aid in the form of tuition could not discriminate in admissions but was free to discriminate in athletics, housing, faculty hiring and any other programs that did not receive the direct funds. If the admissions office didn't discriminate, they got the funds through the admission office, they could discriminate in any other place of the university. A strong bipartisan majority in both the House and the Senate decided to pass another law, the Civil Rights Restoration Act, to make it clear that they intended to prohibit discrimination in all programs and activities of a university that received federal assistance. You vehemently opposed the Civil Rights Restoration Act. Even after the Grove City court found otherwise, you still believed that there was, quote -- and this is your quote -- a good deal of intuitive appeal to the argument that federal loans and grants to students should not be viewed as federal financial assistance to the university. You realize, of course, that these loans and grants to the students were paid to the university as tuition. Then, even though you acknowledged that the program-specific aspect of the Supreme Court decision was going to be overturned by the congressional legislation, you continued to believe that it would be, quote, too onerous for colleges to comply with nondiscrimination laws across the entire university unless it was, quote, on the basis of something more solid than federal aid to students. Judge Roberts, if your position prevailed, it would have been legal in many cases to discriminate in athletics for girls, women. It would have been legal to discriminate in the hiring of teachers. It would have been legal not to provide services or accommodations to the disabled. Do you still believe today that it is too onerous for the government to require universities that accept tuition payments from students who rely on federal grants and loans not to discriminate in any of their programs or activities?

This is for all Americans that say they do not want another Clinton agenda in the white house how can you deny These Facts; President Clinton’s Record on the Economy: In 1992, 10 million Americans were unemployed, the country faced record deficits, and poverty and welfare rolls were growing. Family incomes were losing ground to inflation and jobs were being created at the slowest rate since the Great Depression. 1.Strong Economic Growth: Since President Clinton and Vice President Gore took office, economic growth has averaged 4.0 percent per year, compared to average growth of 2.8 percent during the Reagan-Bush years. 2.Most New Jobs Ever Created Under a Single Administration: The economy has created more than 22.5 million jobs in less than eight years—the most jobs ever created under a single administration, and more than were created in the previous 12 years. Of the total new jobs, 20.7 million, or 92 percent, are in the private sector. 3.Unemployment at Its Lowest Level in More than 30 Years: Overall unemployment has dropped to the lowest level in more than 30 years, down from 6.9 percent in 1993 to just 4.0 percent in November 2000. The unemployment rate has been below 5 percent for 40 consecutive months. 4.Unemployment for African Americans: has fallen from 14.2 percent in 1992 to 7.3 percent in October 2000, the lowest rate on record. Unemployment for Hispanics has fallen from 11.8 percent in October 1992 to 5.0 percent in October 2000, also the lowest rate on record. 5.Highest Homeownership Rate on Record: 6.President Clinton’s Record on Fiscal Discipline: 7.Largest Surplus Ever: The surplus in FY 2000 is $237 billion—the third consecutive surplus and the largest surplus ever. 8.Largest Three-Year Debt Pay-Down Ever: Under Presidents Reagan and Bush, the debt held by the public quadrupled. Under the Clinton-Gore budget, we are on track to pay off the entire publicly held debt on a net basis by 2009. 9.Lower Federal Government Spending: the lowest level since 1966. 10.. Reduced Interest Payments on the Debt: , interest payments on the debt were $125 billion lower than projected. 11.Double Digit Growth in Private Investment in Equipment and Software: 12.With government no longer draining resources out of capital markets, private investment in equipment and software averaged 13.3 percent annual growth since 1993, compared to 4.7 percent during 1981 to 1992. 13.Enacted the 1993 Deficit Reduction Plan without a Single Republican Vote. 14.Negotiated the Balanced Budget Agreement of 1997. 15.Dedicated the Surplus to Save Social Security and Reduce the National Debt. 16.Opening World Markets to American Goods and Providing Leadership on Globalization 17.The Most U.S. Exports Ever. 18.1.4 Million More Jobs due to Exports: 19.Lowest Inflation since the 1960s: 20.To Create Trade Opportunities and Expand the Benefits of Globalization, President Clinton: 21.Won Ratification of the North America Free Trade Agreement (NAFTA) in 1993, 22.Won Approval of Permanent Normal Trade Relations with China. 23.Successfully Completed the Uruguay Round. 24.Fought for the First-Ever African and the Caribbean Basin Trade Bills. 25.Promoted Trade Opportunities for High Technology. 26.Secured Historic Debt Relief. 27.Dramatically Expanded U.S. Efforts to Fight Child Labor and Expand Basic Education. 28.Defused International Economic Crises. 29.Rewarding Work and Empowering Communities 30.Higher Incomes at All Levels: 31.Lowest Poverty Rate in 20 Years: 32.Lowest Poverty Rate for Single Mothers on Record: 33.Smallest Welfare Rolls Since 1969: 34.To Help All Americans Benefit from Prosperity, President Clinton:] 35.Ended Welfare as We Knew It. 36.Rewarded Work by Expanding the Earned Income Tax Credit. 37.Created Empowerment Zones. 38.Created Community Development Financial Institutions. 39.Strengthened the Community Reinvestment Act. 40.Encouraged Investment in America’s New Markets 41.Raised the Minimum Wage 42.Helped People with Disabilities Work 43.Investing in Educating and Training the American People 44.More Americans Are Enrolling in College: 45.More High School Students Are Preparing for College: 46.More Americans Are Earning College Degrees: 47.Americans Are Becoming Lifelong Learners: 48.Created the College Tax Credits, the Largest Single Investment in Higher Education since the G.I. Bill. 49.Doubled Student Financial Aid. 50.Created Direct Student Loans and Reduced Interest Rates. 51.Created New Paths to College through GEAR UP, AmeriCorps, and TRIO. 52.Strengthened Elementary and Secondary Education. 53.Passed the Workforce Investment Act of 1998. 54.Reducing Tax Burdens for Average and Hard-Pressed Working Families. 55.Lowest Federal Income Tax Burden in 35 Years: 56.Higher Incomes even after Taxes and Inflation: 57.Expanded the Earned Income Tax Credit. 58.Created the $500 per Child Tax Credit. 59.Won the Hope Scholarship Tax Credit. 60.Won the Lifetime Learning Tax Credit. 61.Established Education IRAs. 62.Created Empowerment Zones. 63.Simplified Pension Rules. 64.Simplified Tax Laws and Protected Taxpayer Rights. 65.Closed Tax Loopholes. 66.http://clinton5.nara.gov/WH/Accomplishments/eightyears-03.html Which you are wrong it is a president that united the democratic and republican parties. Obtuse way to point out the tings most inportant to the US. all you did with that answer is show your ignorance Krytox If you open your eyes all the money is in the military now what is the country because of it This question has demonstrated exactly what I thought. Those who are Obama supporters and those who are Clinton haters are blind. You can put the facts right in front of them and they will try to bash with the biggest thing that really matter. Bill got his weiner sucked and that was the downfall of America.

WORLDS LONGEST QUESTION...Please answer it...? Let me, if I could, go to the Civil Rights Restoration Act. In 1981, you support an effort by the Department of Education to reverse 17 years of civil right protections at colleges and universities that receive federal funds. Under the new regulations, the definition of federal assistance to colleges and universities would be narrow to exclude certain types of student loans and grants so that fewer institutions would be covered by the civil rights laws. As a result, more colleges and universities would legally be able to discriminate against people of color, women and the disabled. Your efforts to narrow the protection of the civil rights laws did not stop there, however. In 1984, in Grove City v. Bell, the Supreme Court decided, contrary to the Department of Education regulation that you supported, that student loans and grants did indeed constitute federal assistance to colleges for purposes of triggering civil rights protections. But, in a surprising twist, the court concluded that the nondiscrimination laws were intended to apply only to the specific program receiving the funds and not to the institution as a whole. Under that reasoning, a university that received federal aid in the form of tuition could not discriminate in admissions but was free to discriminate in athletics, housing, faculty hiring and any other programs that did not receive the direct funds. If the admissions office didn't discriminate, they got the funds through the admission office, they could discriminate in any other place of the university. A strong bipartisan majority in both the House and the Senate decided to pass another law, the Civil Rights Restoration Act, to make it clear that they intended to prohibit discrimination in all programs and activities of a university that received federal assistance. You vehemently opposed the Civil Rights Restoration Act. Even after the Grove City court found otherwise, you still believed that there was, quote -- and this is your quote -- a good deal of intuitive appeal to the argument that federal loans and grants to students should not be viewed as federal financial assistance to the university. You realize, of course, that these loans and grants to the students were paid to the university as tuition. Then, even though you acknowledged that the program-specific aspect of the Supreme Court decision was going to be overturned by the congressional legislation, you continued to believe that it would be, quote, too onerous for colleges to comply with nondiscrimination laws across the entire university unless it was, quote, on the basis of something more solid than federal aid to students. Judge Roberts, if your position prevailed, it would have been legal in many cases to discriminate in athletics for girls, women. It would have been legal to discriminate in the hiring of teachers. It would have been legal not to provide services or accommodations to the disabled. Do you still believe today that it is too onerous for the government to require universities that accept tuition payments from students who rely on federal grants and loans not to discriminate in any of their programs or activities?

what is the answer? : Let me, if I could, go to the Civil Rights Restoration Act. In 1981, you support an effort by the Department of Education to reverse 17 years of civil right protections at colleges and universities that receive federal funds. Under the new regulations, the definition of federal assistance to colleges and universities would be narrow to exclude certain types of student loans and grants so that fewer institutions would be covered by the civil rights laws. As a result, more colleges and universities would legally be able to discriminate against people of color, women and the disabled. Your efforts to narrow the protection of the civil rights laws did not stop there, however. In 1984, in Grove City v. Bell, the Supreme Court decided, contrary to the Department of Education regulation that you supported, that student loans and grants did indeed constitute federal assistance to colleges for purposes of triggering civil rights protections. But, in a surprising twist, the court concluded that the nondiscrimination laws were intended to apply only to the specific program receiving the funds and not to the institution as a whole. Under that reasoning, a university that received federal aid in the form of tuition could not discriminate in admissions but was free to discriminate in athletics, housing, faculty hiring and any other programs that did not receive the direct funds. If the admissions office didn't discriminate, they got the funds through the admission office, they could discriminate in any other place of the university. A strong bipartisan majority in both the House and the Senate decided to pass another law, the Civil Rights Restoration Act, to make it clear that they intended to prohibit discrimination in all programs and activities of a university that received federal assistance. You vehemently opposed the Civil Rights Restoration Act. Even after the Grove City court found otherwise, you still believed that there was, quote -- and this is your quote -- a good deal of intuitive appeal to the argument that federal loans and grants to students should not be viewed as federal financial assistance to the university. You realize, of course, that these loans and grants to the students were paid to the university as tuition. Then, even though you acknowledged that the program-specific aspect of the Supreme Court decision was going to be overturned by the congressional legislation, you continued to believe that it would be, quote, too onerous for colleges to comply with nondiscrimination laws across the entire university unless it was, quote, on the basis of something more solid than federal aid to students. Judge Roberts, if your position prevailed, it would have been legal in many cases to discriminate in athletics for girls, women. It would have been legal to discriminate in the hiring of teachers. It would have been legal not to provide services or accommodations to the disabled. Do you still believe today that it is too onerous for the government to require universities that accept tuition payments from students who rely on federal grants and loans not to discriminate in any of their programs or activities?

What can I deduct from personal tax? I am a student that is 25 living in the state of Texas. I was wondering what I could deducted from my taxes to get the optimal refund. I'm not married and do not have kids, I have a federal student loan for school, and dont own any property. Any advice or web sites you can direct me to would be greatly appreciated. Also if I am taking online classes as well as classes on campus, can I deduct my internet as part of school? I make 21K a year, and am not paying any intrest as of yet on my loans. What other personal deductions can I add, for example can I add all my sales tax from my receipts as a deduction? another question can I deduct mileage as well, from traveling to and from school and work?

Universities Don’t Need Any More Money? Fat Cat Universities Don’t Need Any More Money College affordability is a problem, with tuition, room & board averaging above $31,000 a year. Reason to boost government aid, as the incoming Speaker says she will? Nope: That “solution” will only make things worse. Here’s why: Colleges charge outrageous prices knowing that Washington always deflects cost. Consider that qualified students are eligible to receive $4,050 in Pell Grants per year and up to $23,000 per undergrad degree in Stafford Loans (the two main sources of federal student aid). That means there is at least $16,200 in Pell Grants and $23,000 in federal loans currently set aside to offset costs. That’s a whole lot of green college administrators can play with—$39,200 to be exact—when calculating the sticker price. What incentives do schools have to be price-friendly and economically resourceful when the opposite behavior will multiply its piggybank? The government’s “helping hand” gives colleges a perverse market incentive to inflate costs. Think that’s far-fetched? Consider that congressional spending for higher education jumped 686 percent between 1973 and 2005, the Office of Postsecondary Education tells us. Taxpayers shelled out $72.4 billion in 2005 compared to just $9.2 billion (in 2005 dollars) in 1973. Outlays rose 95 percent from 1995 to 2005 alone. Yet this soaring spending has not brought prices down—instead, it’s goosed them up. Tuition’s grown more than twice as fast as inflation over the last 30 years, indeed, faster than the costs of food, clothing, and shelter. Here’s the ironic part. Whenever tuition prices climb, we don’t get angry at the ones actually jacking them up. Politicians don’t probe college presidents over college affordability. Instead, they just whip out Uncle Sam’s (our) checkbook. What assurances have we been given by the new Congress that increasing aid this time around will do what’s been long promised and lower cost? You’d think from the Left’s rhetoric that there’s a direct relationship between more aid and lower prices. Not so. Every time aid increases, tuition increases. The College Board—which tracks all these figures— reports that since Congress ratified the Higher Education Act in 1965, tuition has escalated 44 percent. It’s not like colleges and universities are short on cash, either. The endowments of the nation’s top 50 schools all tower above one billion dollars and sport return on investments (ROI) that would make Morgan Stanley jealous. The big players, reports The Chronicle of Higher Education, contain gigantic investment accounts. Harvard’s endowment is more than $25 billion with a 19.2 percent ROI. Yale’s $15 billion endowment raises the bar with its 22.3 percent ROI, and Princeton scrapes by with an $11 billion endowment backed by a 17 percent ROI. Harvard’s endowment, in fact, is bigger than the gross domestic product of some Latin American countries. The nation’s top 50 colleges and universities are not the only ones sitting on huge investment portfolios. Two hundred and twenty-seven colleges and universities have endowments ranging from $100 million to $900 million. And an additional 141 have endowments that surpass $50 million. Why is it that when ExxonMobil posts record billion-dollar profits amidst soaring oil prices, liberals demand price controls and government investigations? But when colleges post record endowments despite soaring tuition prices, liberals demand more federal funding? It’s just as outlandish for the government to subsidize ExxonMobil as it is for the government to subsidize academic establishments with abnormally deep pockets. Don’t look for Pelosi to probe any college presidents over “windfall” endowments or swelling tuition prices or demand that they pay their “fair share.” At least the extra aid goes toward instruction, right? Wrong! Ohio University Professor Richard Vedder saliently noted that from 1977 to 2000 only twenty-one cents out of each increased dollar spent per student actually covered teaching. So where’s the money being squandered? Administrative salaries and fringe benefits, for starters. Those two categories jumped 26- and 31 percent respectively over the past 5 years, even though the consumer price index only increased by 14 percent. Another reason: bloated staffs and needless vice presidents, deans, provosts, and campus life directors—many of whom are pocketing salaries that average $195,000 a year and controlling six- and seven-figure budgets, reports the Chronicle. Boston University’s administration, for example, includes one president, two provosts, and 11 vice presidents. There’s a vice president for government and community affairs, a vice president for operations, a vice president for auxiliary services, a vice president for information services, and a vice president for enrollment and student affairs, to name a few. Many colleges and universities are administered the same way, clogging staff with too many deans and chief diversity officers who carry out politically correct agendas. We often complain about government bureaucracy growing out of control. The same has been occurring in higher education. As taxpayers, we should demand that Congress review the real reasons behind skyrocketing tuition: federal funding and explosive bureaucratic growth. Pelosi and her liberal allies in Congress do not plan on addressing these concerns. Instead, their sights are set on dumping even more of our money into higher education—a move that will only expand the problem of affordability while allowing schools to amass even larger fortunes on the backs of beleaguered American taxpayers.

Tax Rebate Question about filing jointly and owing on student loan? Yes I am sure your tired of them but I have a question about a delquient loan I had. Ok here is the story, I owed $3400. almost all of it is payed off through taking all of my husband and mine federal and state taxes. $638 is left owed on it. Since my hubby and I filed jointly and he is head of household, tomorrow should be released May 16th., and I know they are going to take the rest of the money that is owed, how long will we have to wait before the rest is direct deposited into our bank account. We thought about doing the injured spouse claim but then we thought next yr we won't have to deal with it again. with the taxes.

really need help? 1: Which was NOT a major success of Reconstruction in the South? an end to racist government policies the transformation into an industralized, urban region an end to tensions between the North and South all of the above 2: The main goal of the Ku Klux Klan during Reconstruction was to prevent African Americans from exercising their rights gain control of the state legislatures restore the Confederacy improve the conditions for poor whites 3: The Fourteenth Amendment was part of a series of laws that changed the way a President could hire government officials ensured the civil rights of African Americans restored the balance of power between the President and Congress shifted the balance of power in favor of the Supreme Court 4: Reconstruction succeeded in rebuilding many of the South's plantations forts railroads banks 5: The expansion of American industry was sparked mainly by public welfare programs technological advances and financial investments a decline in productivity in Europe government involvement in the economy 6: One thing a person could do in 1900 but not in 1865 was ride on a train sew a dress play a phonograph read at night 7: How did John D. Rockefeller gain control of the oil industry? He formed a trust. He practiced vertical consolidation. He joined a cartel. He practiced free trade. 8: The nation's first major labor strike was begun by railway workers angered about wage cuts and unsafe trains steel workers upset by the use of scabs women protesting lack of advancement in factories Pinkerton agents who threw a bomb at police 9: What was the one key requirement that applicants had to meet to receive land under the Homestead Act? They had to live on the land all year long. They had to farm the land for five years in a row. They had to file a claim with a bank. They had to wheel portable cabins from plot to plot 10: What was a major incentive in the settling of the West? the legal, private ownership of land the award of large land grants to the railroads the desire to limit slavery the refuge offered for outlaws and the oppressed 11: One reason that the United States became more urban during the late 1800s is that farm machines and factory-made goods reduced the need for farm labor nobody wanted to live on farms anymore immigrants did not know how to do farm work union organizing of farm workers had not yet begun 12: Where did European immigrants often settle in the United States? in western railroad towns in their ports of entry in the South near lakes 13: Prohibition groups saw a link between drinking and abuses by big business lower public morals anti-Asian feelings high tariffs 14: Reformers who tried to solve social problems by helping the needy believed that immoral behavior should be punished by deportation stricter laws were needed to discourage unacceptable behavior prosperous Americans should lead reform efforts the cultures of immigrant groups should be respected 15: During the late 1800s and early 1900s, what segment of American society was most likely to attend college? wealthy white men New Englanders gifted students middle-class women 16: During the early 1900s, most African Americans who went to college attended fully integrated universities African American colleges religious-based schools separate branches of white colleges 17: How did southern states keep African Americans from gaining political power? lynching segregation voting restrictions de facto discrimination 18: Why was the Open Door Policy important to the United States? It gave the United States territory in China It gave the United States access to millions of consumers in China It increased Chinese investments in the United States It kept European goods out of China 19: The United States followed a policy of expansionism in the late 1800s because European nations were eager to sell rights to their colonies many Americans were demanding high-quality foreign goods US factories needed foreign laborers the nation sought more markets for its goods 20: The first action of the Spanish-American War took place in the Philippines the Gulf of Mexico the harbor at Santiago, Cuba Puerto Rico 21: Among Latin Americans, United States actions related to the Panama Canal created hope for a prosperous future ill will toward the United States calls for Roosevelt's impeachment a long-lasting economic crisis 22: Progressivism was halted by the efforts of the NAACP World War I the repeal of the prohibition amendment the victory of the Bull Moose Party 23: Which belief was held by most Progressives? The government should be more accountable to its citizens. Housing and healthcare should remain private. The government should protect agricultural interests. The government should intervene in unfair business practices. 24: One goal that Progressives did not seek was the moral improvement of society the reduction of government corruption a ban on strikes child labor laws 25: One way reformers hoped to end corruption in government was to establish an income tax give voters more direct say in lawmaking provide more welfare services use the army to oust political machines 26: The platform of the Bull Moose Party supported unregulated competition the 12-hour work day women's suffrage a Federal Trade Commission 27: Under the terms of the Sussex pledge, the German government promised that the German navy would not attack any American ships German ships would not blockade Britain and France German U-boats would warn ships before attacking the German army would never invade Russia 28: The United States decided to enter World War I in response to Germany's return to unrestricted submarine warfare France's fall to the Central Powers the Czar's growing support in Russia a filibuster by United States senators 29: German submarines aimed to atack ships that were carrying weapons to the Allies passengers to the United States food to the Central Powers oil to Mexico 30: At the Paris Peace Conference, President Wilson's program for peace angered the Russians met no resistance among the Allies was backed only by France underwent several changes 31: After Wilson presented the treaty to the United States Senate, the Senate ratified it only the "irreconcilables" backed it the Senate rejected it only the "reservationists" backed it 32: One result of Prohibition during the 1920s was an increase in alcoholism a decline in dancing and socializing the rise of organized crime the creation of urban artistic colonies 33: Which of the following was a long-term effect of Prohibition? the consumer economy the growth of organized crime an end to alcoholism in the United States the rise of fundamentalism 34: William Jennings Bryan took up the cause of fundamentalist Christians at speakeasies in Chicago on new buses to the suburbs at the Scopes trial in Hollywood studios 35: Key features of Republican administrations of the 1920s included expansionism and business regulation isolationism and laissez-faire business policy a buildup of armaments and armed forces reduction of quotas and increased immigration 36: Why did many Americans fear Vladimir I. Lenin and his followers, the Bolsheviks? They promoted a system that was hostile to American values They refused to pay back Russia's war debts They had abolished the Russian monarchy They encouraged other nations to reject socialism 37: Generally, the 1920s were marked by rising farm prices rising stock prices falling production falling wages 38: One sign that the economy might be weakening in the 1920s was uneven distribution of national wealth underproduction of consumer goods an increase in personal savings the collapse of large corporations 39: Which statement best describes the American economy in the 1920s? Wages decreased and the economy appeared weak Unemployment was at an all-time high Stock prices rose and the economy appeared healthy Small businesses dominated American industry 40: In the fall of 1929, a wave of panic selling gripped the stock market as a result of a sudden fall in stock prices corruption among stockbrokers business failures government limits on speculation 41: Not long after Black Tuesday, the stock market crash was affecting only those who had invested heavily in stocks wealthy industrialists almost exculsively millions of Americans, many of whom had never owned stocks mainly stockbrokers and banks 42: Why did FDR declare a "bank holiday" early in his administration? to cut of the use of cash to weaken the banking industry to inspect the financial health of the banks to give people in the banking industry a well-earned vacation 43: Which New Deal agency was created to help businesses? Federal Reserve Board National Recovery Administration Civilian Conservation Corps Home Owner's Loan Corporation 44: Which of the following did New Deal programs fail to address? protection of domestic workers low prices for agricultural products the decline of industrial prices Native Americans' need for schools, hospitals, and irrigation systems 45: All of the following New Deal agencies still endure today except the Tennessee Valley Authority Federal Deposit Insurance Corporation Civilian Conservation Corps Securities and Exchange Commission 46: What did Italy, Germany, and Japan have in common in the 1930s? They overturned traditional governments and established democracies. They were economic giants and together controlled world trade. They sought to solve their nations' problems through conquest They angered other nations by their persecution of the Jews 47: Although Communists and Fascists have traditionally been enemies, in 1939 which Fascist made a pact with which Communist? Hitler with Chamberlain Hitler with Stalin Hitler with Franco Stalin with Franco 48: Nazism was an extreme form of communism fascism nationalism none of the above 49: During the 1930s, the United States focused largely on preparing for war domestic affairs international affairs international and domestic affairs 50: Congress passed Neutrality Acts that were designed to support other neutral states around the world support other nations in the Western Hemisphere limit international involvement allow nations to purchase weapons on credit I know this is a whole lot i have done all this i just dont wanna turn it in untill i know its totally right please helpp &&&& please if you have nothin good to say and if your going to yell at me not comment.. THANX

New Rebate Info Posted Today.....? I know this info is not new to many people. So keep your stupid comments in the bag. **************************************... WASHINGTON, D.C. (SUBMITTED) -- Paper stimulus checks are being mailed starting today, a week ahead of the posted schedule. Some, but not all, taxpayers will receive their checks early. There is no way to tell who will or won't get their check early. The top questions about Economic Stimulus Payments (ESPs) the IRS continues to get from taxpayers are: Q. Why am I getting a paper check when I chose direct deposit on my 2007 tax return? A. If you requested that your electronic filing or tax preparation fee be deducted from the amount of your refund, you have entered into a financial agreement with the tax preparation provider or e-file software company for a refund anticipated check (RAC). Both Refund Anticipation Checks (RACs) and Refund Anticipation Loans (RALs) are bank products. The money that is deposited into your bank account comes from the financial institution associated with your electronic filing software provider or tax preparation provider, not directly from the IRS. Taxpayers who use RALs, RACs or enter into similar loans or financial agreements with their tax professional or tax software companies will not receive their economic stimulus payments by direct deposit. Instead they will get a paper check that will be issued according to the schedule that has been published for paper check distribution. Q. I received my stimulus payment, but it was less than I expected. Why? A. Your economic stimulus payment is based on information provided on your 2007 income tax return. Many but not all taxpayers qualify for the maximum basic payment of $600 for singles or $1,200 for married couples. Many parents are also receiving an additional $300 for each qualifying child, born after Dec. 31, 1990. Your payment may be less than the maximum for one or more of the following reasons: # You are single and your net income tax liability is less than $600. If you file Form 1040 net income tax liability is the amount shown on Line 57, plus the amount on Line 52. # You are married and your net income tax liability is less than $1,200. # You are single and your adjusted gross income (AGI) is more than $75,000. On Form 1040, AGI is the amount on Line 37. # You are married filing a joint return and your AGI is more than $150,000. # You owe back taxes that reduced your payment. # You have non-tax federal debts such as unpaid student loans or child-support obligations that reduced your payment. Around the time you receive your payment, you will also receive a notice from the IRS explaining how your payment was calculated. It is important to keep this notice as a record of your economic stimulus payment. In addition, you’ll get a separate notice if you owe back taxes or non-tax debts that were offset or deducted from your stimulus payment. Posted May 9th 2008 http://www.volunteertv.com/home/headlines/18801039.html Feel free to repost

Stimulus rebate question...? If my federal tax refund was taken by my student loan company what will happen to the stimulus check? I mean, isn't it issued to stimulate the economy? So would they take that as well? I know I'm supposed to receive a letter informing me that I am eligible but I haven't and I know of people receiving a check first and then the letter! So...how do I find out if I will be receiving one? DO NOT answer with stupidity or direct me to the gov website please.

Tax Refund-Any1 get theirs offset/garnished? Hey All, Good to see the board is still doing well! I have a question for you all, please. I got this msg on 'Where's my refund' site; Refund Status Results Please select this button to print your Refund Results for your records. Your tax refund is scheduled to be direct deposited on March 16, 2007. If your refund is not credited to your account by March 21, 2007, check with your bank to find out if it has been received. Please wait until March 21, 2007 before you contact us again because we are unable to take any action until then. HERE-> Please read the following information related to your tax situation: * Tax Topic 203 - Failure to Pay Child Support, Federal Non-Tax and State Income Tax Obligations Please Note: Your refund may be reduced to pay a past due obligation such as child support, another federal agency debt, or state income tax. If this applies to you, the Financial Management Service, who issues IRS refunds, will send you a notice informing you of any offset they have made. The details of the debt are not provided to the IRS. Please do not call us to inquire about the details because we will not be able to answer your questions. Instead, direct any questions you have about the offset or debt to the agency identified on the notice. I am wondering did any of you get your refund and have the part where I put 'HERE->' and still got your refund anyway? I am trying to figure out if they put that there because they know I am being offset/garnished or if they put that at the bottom of your refund deposit notice as a disclaimer for everyone. I don't recall it being there last year, but maybe I just don't recall, damn tree's making me forget stuff lol. I called the FMS (financial management services) about the defaulted student loans but they say it 'may' be garnished. Whatever nonsense that is, like uh tell me yes or no dammit lol. Anyway, thanks for any reply's!! Sean

2008 Tax Rebate Checks- Can they be taken? Hi! I am hoping that you can answer a question for me, or at least direct me to where I can find the answer. I found out this year that my husband defaulted on a student loan before we were married. I found this out because BOTH my federal and state (CA) tax returns were intercepted by the CA ED Fund even though my husband didn't work in 2007. My question is this- are the checks that are going to be given out subject to be intercepted like a regular tax return? I just want to know if I can plan on getting that check or is that going to be taken as well? Hi! I am hoping that you can answer a question for me, or at least direct me to where I can find the answer. I found out this year that my husband defaulted on a student loan before we were married. I found this out because BOTH my federal and state (CA) tax returns were intercepted by the CA ED Fund even though my husband didn't work in 2007. My question is this- are the checks that are going to be given out subject to be intercepted like a regular tax return? I just want to know if I can plan on getting that check or is that going to be taken as well? I have been told so far that no one knows as the regulations of the tax rebate haven't been confirmed yet. Does anyone know how I can contact the treasury dept.? I have looked all over the website and can not find out how to contact them.

What is the relationship between 911 and Saddam?

im in desperate need HISTORY HW help please... thanks? in 1954 the Supreme court ruled in Brown v. board of Education that a. bus segragation was unconstitutional b. the federal government must increase financial aid to education c. separate but equal policy was wrong d. the government must provide loans to low-income college students a major environmental crisis of the 1930's was known as a. the dust bowl b. the grapes of wrath c. black Tuesday d. the great crash during the cold war, a major goal of US policy in Latin America was to a. build nuclear weapons based in Central America b. encourage the countries of Latin America to join the United Nations c. protect American financial investments in Latin America d. prevent Fidel Castro from taking over Cuba In his first few months in office President Roosevelt a. abolished the banking system and government building projects b. avoided direct action and sent problems to committees for study c. pushed congress to pass legislation to improve the economy d. concentrated on programs that strengthened big business financing the war with borrowed money was an example of a. the cost-plus system b. deficit spending c. the gross national product d. wartime conversion