July 1, 2006 Extension on Student Loan Consolidation Coming to an End
Have you ever received a piece of mail asking you immediately to call about your student loans? Or, have you ever filled out an online student loan consolidation form? If so, you still may be eligible to save thousands of dollars on your student loans and cut your monthly payments by 60 percent.
As of July 1, 2006, student loan borrowers who did not get a chance to consolidate their outstanding student loans felt the impact of the interest rate increase. Federal student loan interest rates on July 1, 2006 increased by 39 percent (a 1.84 percentage point increase), which drastically increased payments for borrowers who did not meet the consolidation deadline.
Incomplete Applications
The U.S. Department of Education allowed student loan borrowers to lock in the significantly lower pre-July 1, 2006 interest rates by submitting an application for consolidation before the deadline. However, due to the enormous demand this year for student loan consolidation, many student loan borrowers were unable to finish their consolidation application in time. This resulted in an increase in monthly payments and thousands of dollars in extra interest costs for student loan borrowers who missed the consolidation deadline. However, there is good news for those who did not fully complete their consolidation application in time.
Many student loan borrowers prior to July 1, 2006 responded to a piece of mail immediately directing them to call about their student loans (
http://www.nextstudent.com) and then partially completed an application. This past year there also were borrowers who submitted a partially completed online application before the deadline. Since these borrowers did not sign the application they suspected they were ineligible for the lower interest rates.
Act Now to Receive Lower Interest Rates
For example, federal student loan consolidation (
http://www.nextstudent.com/consolidation_loans/consolidation_loans.asp) provider NextStudent has countless partially completed applications from incoming callers and online inquiries that were started before the July 1, 2006 deadline. These applications were completed yet lack a signature; therefore, those borrowers are eligible to receive the pre-July 1, 2006 interest rates. In order to receive a lower rate, borrowers must act now and call NextStudent to sign their application. The Department of Educations extension most likely will expire by December 2006, which does not give borrowers much time to act.
To check and see if you are eligible for the pre-July 1, 2006 interest rates and save thousands of dollars on your student loans, immediately contact NextStudent at 1-800-299-4639 or online at
http://www.nextstudent.com.
Jeff Mictabor is an enthusiast on the topic of student loan issues in the news. He has been writing for the past 10 years for a variety of education publications. He now offers his writing services on a freelance basis.
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Endometriosis Vs. Fertility
For many women, the idea of cradling their own adorable newborn is the greatest dream in life. Starting a family is often the natural progression of a marriage, and for many couples, it is something that happens quickly and naturally. For some women, however, conceiving a child can be a difficult, stressful process. Women suffering from endometriosis know this all too well.
Endometriosis is a fairly common condition in women. However, many women are not aware of what a diagnosis of endometriosis means for a person suffering from the condition. It can have a number of negative affects on a womans health and well being, one of the primary side-effects being issues of infertility. A condition which causes the tissue lining the uterus to grow into other areas of the body, endometriosis can cause discomfort, pain, bleeding between menstrual cycles, and infertility.
Although not all infertility issues are linked to endometriosis, more than one third of women suffering from infertility suffer from endometriosis. Many women who are having trouble conceiving enlist the aid of a gynecologist. If endometriosis is identified as the source of the problem, a doctor can suggest a course of treatment.
Every month, a womans ovaries produce certain hormones that act as stimulants to the lining of your uterus. These cells multiply and prepare themselves for the arrival of a fertilized egg. As this happens, the uterine lining swells and becomes thicker. However, if these endometrial cells are implanted in places outside the uterus, problems begin to occur.
Like your normal cells, cells outside of the uterus still respond to the hormone stimulation that occurs on a monthly basis. For cells in the uterus, this is not a problem since the cells fall off during menstruation. The other cells, outside the uterus are not shed. They stay in place.
One of the reasons infertility occurs as a result of endometriosis is because this process of tissues staying in place can cause both adhesions and scarring in the fallopian tubes and ovaries. Aside from interfering with ovulation, these adhesions make it difficult for reproductive cells to pass from the ovaries and into the fallopian tube. The pathway for a fertilized egg to pass into the uterus becomes obstructed, making it hard for a woman to become pregnant.
Unfortunately, endometriosis is a progressive disease, meaning that it often worsens over time. Even after treatment, conditions can persist and intensify. Many infertile women undergo an outpatient procedure called a laparoscopy. This procedure allows your gynecologist to diagnose whether you suffer from endometriosis and assess the seriousness of your disorder. Ranging in severity from stage 1-4, the classification of your endometriosis will be the factor from which your gynecologist decides on a mode of treatment. He will advise medication, surgery, or a combination of the two.
For many women, the issue of infertility due to endometriosis is an every day battle. The good news is that medical advances are constantly being made as researchers and physicians strive to find a cure for this problematic disorder. With so many new treatments and medications available, there is renewed hope for women who suffer from endometriosis.
Shelley Ross has an interest in Endometriosis. For further information on Endometriosis please visit
http://www.treatendometriosis.com/endometriosis.html or
http://www.treatendometriosis.com/blog/2006/10/24/endometriosis-vs-fertility/.
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