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How to discharge student loans in bankruptcy?

When you’re trying to discharge a student loan in bankruptcy, you need to know which student loans are dischargeable.  There’s a difference between a federal student loan, federal student loan serviced by a private student loan, and a private student loan?

A federal student loan is issued by the federal government and serviced by the federal government.  They have a lower interest rate and the federal government usually can forgive the balance of the loan if you are not able to make the payments. 

Now the federal student loans that are serviced by private lenders have been recalled by the federal government because the private servicer were not being flexible with the borrower with their payment plans.  Which also cause the borrower to default as well as taint the borrower credit.

The third type of student loan is from private lenders, such as Sallie Mae, Citibank, Wells Fargo, bank of America, and Navient, which is a subsidiary of Sallie Mae.  When these private lenders issue student loans they do not have the federal government protection, so those loans are treated like a regular personal loan.  Which also means that these lenders make up their own rules when issuing loan and collecting on them.  They can increase the interest rates, if you miss a payment, they’ll send you collections, file the insurance claim get your student loan paid off and then force you to may them too.

Http://GoodCreditUnion.com 1-800-652-7157 In this video, I explain the new departments the that Good Credit Union have opened up to it's clients.

Good Credit Union has added a Tax elimination dept. with a CPA and IRS Registered agents. As many of us understand that a CPA is the blood line of the business. Understanding having access to a CPA is one of the best resources a growing company needs to be profitable. 

Our CPA works right along side of our IRS Registered Tax Agents to make sure your company financial documents and taxes are looking good to financial institutions.

GCU Group also offers employment verification for people that work off of 1099 and need regular pay stubs created. This is great for someone that trying to purchase a vehicle or get into an apartment.

Check out our other services
http://BusinessCreditAmerica.com 1-800-652-7157

http://GoodCreditUnion.com 1-800-652-7157 In this video Houston with th GCU Group, Inc. explain why many people should fix their credit instead of getting a CPN or SCN.

1st you no longer have to find a co-signer to help you get an apartment, car, or student loan. I understand this is embarrassing for many adults with bad credit.

2nd If you have good credit you could add a child or family on you credit cards as authorize users and they could inherit your credit. This is one of the best gifts you can give someone if you're not rich or wealthy. Your 18 year old could inherit your credit and you will not have to co-sign for them an apartment, car loan, or student loan.

3rd You could buy real estate in which you could not do with a CPN or SCN. Many people want to get into real estate investing but they must understand that having good credit will make it easier to purchase that property.

4th When you fix your credit you don't have to show as much paperwork to get funding. With a CPN or SCN creditors want to see the id or drivers license to go along with the file. Creditors are asking for social security cards for that SCN or CPN, they are also asking for employment verification. This is alot of personal information they are requiring now for an SCN or CPN. 

5TH It's much more easier to get funding when you have good credit to do you investments, succh as buying a car from the auction instead of having to finance it from a car dealer.

This is Houston with Good Credit Union. You can call me at !-800-652-7157 or email me Houston@goodcreditunion.com or Alex @goodcreditunion.com

"Feel like you're running on a Hamster's

wheel and getting nowhere?"

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What do you want? No I mean what do you really, really want? If you knew you could not fail and money was not an issue what would you really want?

What does your ideal lifestyle look like?

These are some very good questions that actually as I’m passionately empowering women many who are in a consultation or coaching with me are stunned by and they have to think just a bit. We should all have the answers to these questions.

I did a Tele-class on Top 5 reasons you are not where you want to be – YET! One of the Top 5 included “You Don’t really want what you think you want.”

Do you want to know who you are? Don’t ask. Act! Action will delineate and define you.

Thomas Jefferson

Everyone wants to run their own business and be their own boss…. right?
Everyone wants a vacation home in the mountains… right?
Everyone wants 2.4 kids and the white picket fence…. right?

Wrong.

When it comes to dreams, one size most definitely does NOT fit all. Our dreams and goals are as individual as we are, and adopting someone else’s goals as our own can feel like wearing someone else’s shoes: It looks okay to everyone else, but to us, it feels awful and gives us blisters.

There are thousands, if not millions, of people out there striving for the wrong goals. Wrong not because there’s anything inherently bad about them, but wrong because the goals they’re aiming for are wrong for THEM. So as I persevere in my endeavor to empower women I must remain authentic and help you discover your authentic self for your realized empowering success.

There’s the law student that is very gifted in music and enjoys her classes in school leading up to the profession of a lawyer who would never give an extra thought to setting that aside for pursuing her career in music because both of her parents are Lawyers.

There’s the successful saleswoman who would really love to chuck it all and teach English, but she’s making too much money and only a crazy person would throw away a six-figure paycheck.

There are many frustrated individuals out there “believe it or not ” Frustration knows no geographic, socioeconomic, or race or religious boundaries.

The only way to know if the goals you’re aiming for are the right goals is to figure out if they are your heart’s desire. Sometimes it takes some detective work to peel back the layers of societal and family expectations to get at what YOU really want.

There are clues all around you: If you fall asleep dreaming about something, wake up thinking about something, and find yourself perking up whenever you meet someone doing what you’d like to do, you’re on the right track. Meanwhile, if you get a sinking sensation when you pull into the garage of house with the white picket fence, or find yourself calling in sick to that six-figure job “everyone” would kill to have, then you may be in the wrong place… for you.

So what do you do if you find you’ve been chasing after the wrong dream? If you find that you’re not on track to your destiny. You readjust. You discover what your vision is, your purpose in life. You reignite your passion. You connect with someone who can be an accountability partner, who is not biased and can offer expertise in the area you are seeking to move forward in. Even if they don’t have the specific expertise in that area but have the life skills you need to help you discover your authentic self, get unstuck, get focused, make BIG changes and get results that will put you miles ahead of where you’ve been for the last 1 to 5, 5 to 10 years or more!

You find ways to move your current life closer to the one you really long for. Maybe that means getting up an hour early to work on your novel. Maybe it means spending your weekends teaching art to inner city kids. Maybe it researching organizations that may need your expertise and would like you to share with their members. Take a small step and see how it feels. Then take another, and another, until you know deep in your heart you’re on the right track. If you are, the momentum will carry you forward.

You’ll be closer to where you want to be. The Authentic you that is.

Are you ready to say yes to the healthier, wealthier, empowered, focused, joyful, and Authentic you?

I invite you to request your free access to 4 more reasons you’re not where you want to be – YET! Request access to my Top 5 reasons you’re not where you want to be YET empowering Training Audio. Go there now!

This is also part of my preview Tele-series “Get it Done. Make it Happen!” A preview of my phenomenal 90 Days of Empowerment and Focus Coaching Program. If you’re tired of the overwhelm, stress, lack of productivity, playing small and more learn more and secure 1 of 10 spaces for gold and 1 of 15 for Silver.http://bit.ly/90daysregister

Are you a victim of Time thieves?

Maybe that would be easier to answer if you knew what time thieves were. And quite possibly you already know what they are but need to be reminded of how much they are stealing from your Destiny, from your relationships, okay from your life.

I’m sharing another post on Productivity secrets because it is one area that most women have a challenge with whether in business or their personal life.

You’ve probably given in to most of the time thieves I’m going to mention below.

Phone
You can actually use the phone as a timesaver if you know how.

TV and Radio
How many hours have we given to watching TV or listening to the radio. Now get this, some of it is done out of habit. What that means is if you actually made a decision (remember everything begins with a decision) a decision to reduce the amount of time you watch Television and replace it with a productive activity you could achieve that goal and realize increased revenue in the process.

The same thing applies to the radio. Be intentional about your listening and not habitual.

Waiting in Line
I truly believe that this is one way our patience is tested.

Sometimes going to crowded places can’t be avoided, however, there are peak hours that you can expect longer lines. Pick a schedule where you least expect many people to show up. For example, buy your groceries on weekdays. Don’t shop during weekends and paydays. If you can afford the higher price tags of items that can be bought through the phone, internet, or third-party services, then go ahead and buy them. If you treat time as gold, then the extra time you’ll be saving as a result of this act is worth much more than the extra money you’ll be spending. In case you really have no choice but to wait in line, then don’t waste your time complaining. Do something productive like reading a book, listening to educational tapes, or writing your future plans on your little notebook.

Social Media
Yes I said it. Social Media. Some individuals spend all day on Social Media sites and get absolutely nowhere. Social media is a power resource if you know what you’re doing. Automate your activities. Up grade your skills. Connect with a Social Media Coach such as myself to learn how to monetize your efforts or outsource it. Our World Wide Visibility movement is set for this very thing. to support you in your efforts to gain World Wide Visibility.

Email overwhelm

The ability to send emails has contributed to productivity in the office whether you have an office at home or in the workplace. It’s become such a part of our daily activities that we’ve forgotten about the snail mail which can end up being more effective due to the fact that some people don’t even open most of their emails.

However, there are certain downsides to using email as a means of communication. Do you check your emails many times in the day? If so you’re hampering your productivity. It can end up being a very time-consuming activity.

Traffic Traffic and more Traffic
This is another hair-pulling moment, especially when you’re running late for an important appointment. Avoid the rush hour by all means. Anticipate when a traffic jam is usually occurring during the day so you can adjust your commuting time. If your destination is not too far away, a walking session might
be a great idea to evade traffic, save on gas or money, and attain a healthy lifestyle.

I’ve shared with you a few time thieves and you may be asking “Okay Robin that’s all good but what do I do about it?” I’m glad you asked.

I’m hosting a Tele-series “Get it Done – Make it Happen: Get Focused, Make Big Changes and Get Results!” I’ll be sharing some yummy insights on this very topic and more! If you’re serious about keeping your appointment with Destiny, manifesting your most desired results and ideal lifestyle while having time for what matters most, you don’t want to miss this call.

Go to http://bit.ly/90daysofempowermentinfo to secure your VIP ticket to my Tele-class. There are only 200 lines so secure your ticket and call in early.

Here’s to your empowering success!

“The Empowerment Diva”

Hey Fellow BBWO's (Black Business Women Online)! 

Here’s another piece of the internet marketing puzzle!

You’re gonna love this…

There are a ton of different ways to get traffic to your blog but today I wanna give you an extra traffic tip just for being a fellow BBWO (Black Business Women Online).

Today’s puzzle piece is........

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Interact with fellow marketers and “like” The Connect4Change Marketer on Facebook.

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When you are new to WordPress or don’t know php coding well, having a messed up blog is the most annoying thing that can happen when you are trying to get maximum exposure to your blog or business.

One thing that I know since working with WordPress Blogs for some time now it that it is super easy to mess up your WordPress theme on accident, or even by......

                                          Continue Reading..........

Interact with fellow marketers and “like” The Connect4Change Marketer on Facebook.

Get Marketing Tips via Facebook with help from ..........

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While you are on a site, hit the markup.io button on your browser bookmarks toolbar and it will float a set of drawing tools one that page. You can scribble over the page now and when you hit publish, all your drawings and annotations are saved to a unique URL that you can now pass along in your social circle.

If you make a mistake, you can use the usual keyboard shortcuts -- ctrl+z will undo your previous action while the backspace key will remove the element from the page.

Markup.io is available in the form of a bookmarklet so there’s no need to download or install anything and it’s compatible with all browsers except for IE 6 (which you shouldn’t be using anyway).

Here are some related items that may be of interest to you:
3 Web-based Tools for Creating Screencast Videos
Adding Video Easily With Jing
Bounce - Share and Collaborate on Screen Captures