Word: loan
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...Harvard is flush enough with endowment money to pay six people $107.5 million, Harvard can surely find the money to do things like freeze tuition for all college students, replace all undergraduate student loans with grants and fund a program of loan forgiveness for recent graduates in low-paying professions...
...total bill down to $98,000, which included court costs and attorney fees. An attorney suggested bankruptcy, but then a friend of a friend who worked for a medical-billing company negotiated the collection agency down to a single payment of $40,000. The Westers took out a loan against their house to pay it off. They still owe a second collection agency more than $30,000 for other medical services. "I work my butt off practically every day," says Wester. "I don't buy things I can't afford, and I basically save every penny I have." He drives...
...other transaction, according to consumer advocates. But shopping for a car and the financing to go with it is not all that tough once you understand that just as buying a house is a completely separate process from finding a mortgage, getting the best rate on a car loan has absolutely nothing to do with getting the best price on a car. That knowledge--and the ability to stick to your guns in a negotiation--puts you right back in the driver's seat, says Remar Sutton, author of Don't Get Taken Every Time: The Ultimate Guide to Buying...
KNOW YOUR SCORE Before you head to a car showroom, you should know what you would have to pay for financing from another source. You can get a ball-park figure at Bankrate.com which posts current averages of loan rates for used and new cars. But whether you would qualify for those average rates or pay substantially more depends on your credit score. Only people with scores of 720 or more typically qualify for the best rates. If you don't know your score, you can get it for $29.95 from myfico.com...
STACK YOUR HAND Although it's never a bad idea to check with your bank, you are likely to find the best rate from an online lender that specializes in auto financing. Market leader Capital One Auto Financing (capitalone. com) is currently offering a 36-month new-car loan at 3.85% and a 60-month loan at 4.29%. The other place to snag a good deal is from a credit union. The average rate credit unions charge on a 48-month new-car loan is 4.7% (the average bank rate is 6.5 %). You have to join a credit union...