Student Loan Debt – Should I Be Worried?

What does private mean when you are considering a loan to help finance your education. Perhaps it will be easier at the onset to explain some facts about what private student loans are not. These sort of loans will not be offered from the student finance office at the university or college you plan to attend. They may offer some information regarding private student loans, but they have no influence on granting or denying these loans.

Next you have heard some of the horror stories of how much some owe on their essay writing service loan, when finishing their studies. And to make it even worse, the graduate jobs are no longer out there. All professions are cutting back. So it means you’ll be taking that much longer to pay back what you owe on your student loan. But you don’t want this hanging over you for years. So you now start looking at the various options. That is how to reduce your student loan and ways to subsidise your student life.

Make your next 35 – 47 payments on time! Lenders often will provide you with a loan principal reduction if you have made 36 – 48 payments on time. On a 10 year term of a $10,000 loan, that savings amount could be approximately $703.44 or even more!

It’s been said that you have no inherent purpose for your life and that you are alive just to do whatever you want to at any time. This might be true for some people, but I know this is not your personal truth.

Rebates or discounts that must be repaid! Your original loan document likely has provisions that if you refinance or consolidate your student loans prior to their term, or if the outstanding refinancing loan balance is more than $600, you may be required to repay rebates and/or discounts that have been paid to you. Simply be aware that this could occur.

When I re-awaken from my mental sleep-walking, life immediately begins to get crisper. I can feel my energy come back. Life gets interesting. The passion that drives my life purpose is once again re-vitalized. The Divine Impulse to « Be » and « Become » that is embedded in all creation begins to move me forward again. The desire to create that, which has not yet been created, re-energizes my life. I am able to live in the present moment and more consciously engage life at a deeper level.

We all have different life purposes. For most of us our live purposes involves learning lessons or growing in particular areas. Look at the people around you and the life you have lived so far to get an idea of what these growth areas may be. There are some others on the planet who, while still having lessons and growth as part of their life purpose, are also here to serve humanity, animals, plants or the planet.

Another creative idea is to create a blog or twitter account specifically designed to help you study on the go. The idea is that you blog or tweet about your study topics (without referring to your notes) as if you’re summarizing the textbook itself. You can use this as an excellent indicator of whether you actually understood a topic. During your commute, think about what you learnt in class and try to summarize it into a blog post. Extra points if you can summarize it into a 140 character tweet! Your friends can then join in to correct or out-summarize you and it becomes a powerful social learning experience.

Release and let go of all negativity, regardless of why it’s there. There are always good reasons of why we feel anger, hatred, grudges or jealously towards others, but no reason is good enough to keep on hurting yourself for. All negativity hurts you more that those around you.

My point is you know the delectable satisfaction of DEATH. You know the instant gratification this tool has in it. Access is always easy and the effects are always pleasurable. DEATH is so easy and so pleasurable that one can completely ignore its long-term effects as they consume it.

But, creating a healthy work-life balance is an ongoing process as you go through various changes on the journey towards your purpose. Therefore, you will need to regularly analyse your priorities and make changes whenever necessary. Take command of your life, set goals wisely, and choose to embrace happiness!