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“Tips to Manage your student loan by The Student Loan Help Center Managing Your Student Loans Apply these responsible financial management principles, as you repay your student loans: Consider the advantages of loan forgiveness programs. These programs are available to students who agree to work in high-need fields like nursing and education. Enrolling in the military often makes you eligible for loan forgiveness. Essentially, you commit to work or serve for a designated period of time, in exchange for complete or partial loan forgiveness. Make student loan payments on time. In some cases, your interest rate may qualify for reduction after you make a certain number of consecutive on-time payments. If you have a cosigner, he or she may also be released from responsibility for the loan, once you have exhibited a required level of consistency with your repayments. Defaulting on your student loans has far-reaching consequences, so it should never be an option. Manage your loan repayment schedule using online calculators. If you are considering a consolidation loan, use these tools to quickly determine your total loan repayment obligation. Take advantage of federal education tax incentives, like the student loan interest deduction and Hope Scholarship Credit. Student Loan Tips: Use student loans to supplement other financial aid awards, like grants and scholarships. Make sure to start a college savings plan as early as possible. College accounts like the 529 savings plans allow you to save pre-tax money for college. Understand the terms of your federal and private student loans, before you sign on. You will be bound to the conditions of your loans for many years. Don’t miss payments. Be proactive in protecting your credit, by contacting your lender before you default. You can consider consolidation loans, deferments and other accommodations of the available options, to keep your repayment schedule on track. For more Questions you can contact The Student Loan Help Center.”

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“What are the benefits of a Consolidation Loan? Direct Consolidation Loans allow borrowers to combine one or more of their Federal education loans into a new loan that offers several advantages. One Lender and One Monthly Payment With only one lender and one monthly bill, it is easier than ever for borrowers to manage their debt. Borrowers have only one lender, the U.S. Department of Education, for all loans included in a Direct Consolidation Loan. Flexible Repayment Options Borrowers can choose from multiple plans to repay their Direct Consolidation Loan, including an Income Contingent Repayment Plan. These plans are designed to be flexible to meet the different and changing needs of borrowers. With a Direct Consolidation Loan, borrowers can switch repayment plans at anytime. No Minimum or Maximum Loan Amounts There is no minimum amount required to qualify for a Direct Consolidation Loan! Varied Deferment Options Borrowers with Direct Consolidation Loans may qualify for renewed deferment benefits. If borrowers have exhausted the deferment options on their current Federal education loans, a Direct Consolidation Loan may renew many of those deferment options. In addition, borrowers may be eligible for additional deferment options if they have an outstanding balance on a FFEL Program loan made before July 1, 1993, when they obtain their first Direct Loan. Reduced Monthly Payments A Direct Consolidation Loan may ease the strain on a borrower’s budget by lowering the borrower’s overall monthly payment. The minimum monthly payment on a Direct Consolidation Loan may be lower than the combined payments charged on a borrower’s Federal education loans. Retention of Subsidy Benefits There are two (2) possible portions to a Direct Consolidation Loan: Subsidized and Unsubsidized. Borrowers retain their subsidy benefits on loans that are consolidated into the subsidized portion of a Direct Consolidation Loan. Temporary In-School Consolidation Authority During a one (1) year period, borrowers who meet certain requirements may consolidate loans that are in an in-school status into a Direct Consolidation Loan. Direct Consolidation Loans may be made under this temporary provision to borrowers whose consolidation applications are received on or after July 1, 2010 and before July 1, 2011. Borrowers will lose the grace period on a FFEL Subsidized/Unsubsidized Stafford Loan or Direct Subsidized/Unsubsidized Loan by consolidating the loan while it is in an in-school status. Similarly, PLUS borrowers who consolidate a Federal PLUS Loan or Direct PLUS Loan that was first disbursed on or after July 1, 2008 will lose the six (6) month post-enrollment deferment period. Parent PLUS borrowers who consolidate a Federal PLUS Loan or Direct PLUS Loan that was first disbursed on or after July 1, 2008 will lose eligibility to defer repayment while the student for whom the loan was obtained is in school. Click here for information on the eligibility requirements for this temporary provision. For more Questions you can contact The Student Loan Help Center.”

Student LoanBruce MesnekoffThe Student Loan Help Center
Author:The Student Loan Help Center
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“We are, in effect, persisting in the increasingly sophisticated deconstruction of a world which can no longer secrete its end. So everything is able to go on to infinity. We no longer have the means to stop the processes which now run on without us, beyond reality, so to speak, in an endless speculation, an exponential acceleration. But do so, as a result, in an indifference which is also exponential. `Sans fin' -- without end -- equals `sans faim' -- without hunger: it is a kind of anorexic history which no longer feeds on real happenings, and wears itself out in counting down. A history without desire, without passion, without tension, without real events, where the problem is no longer one of changing life, which was the maximal utopia, but of surviving, which is the minimal utopia.”

SpeculationAnorexiaVirtualizationChanging LifeSurviving Utopia
Book:The Perfect Crime
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“Thus, for example, the idea of progress has disappeared, yet progress continues. The idea of wealth that production once connoted has disappeared, yet production itself continues more vigorously than ever. Indeed, it picks up speed precisely in proportion to its increasing indifference to its original aims. Of the political sphere one can say that the idea of politics has disappeared but that the game of politics continues in secret indifference to its own stakes. Of television, that it operates in total indifference to its own images (it would not be affected, in other words, even were mankind to disappear). Could it be that all systems, all individuals, harbour a secret urge to be rid of their ideas, of their own essences, so as to be able to proliferate everywhere, to transport themselves simultaneously to every point of the compass? In any event, the consequences of a dissociation of this kind can only be fatal. A thing which has lost its idea is like the man who has lost his shadow, and it must either fall under the sway of madness or perish.”

InternetAlgorithmsAutomationVirtualization
Book:The Transparency of Evil: Essays in Extreme Phenomena
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“But the end of history is not the last word on history. For, against this background of perpetual non-events, there looms another species of event. Ruptural events, unforeseeable events, unclassifiable in terms of history, outside of historical reason, events which occur against their own image, against their own simulacrum. Events that break the tedious sequence of current events as relayed by the media, but which are not, for all that, a reappearance of history or a Real irrupting in the heart of the Virtual (as has been said of 11 September). They do not constitute events in history, but beyond history, beyond its end; they constitute events in a system that has put an end to history. They are the internal convulsion of history. And, as a result, they appear inspired by some power of evil, appear no longer the bearers of a constructive disorder, but of an absolute disorder. Indecipherable in their singularity, they are the equivalent in excess of a system that is itself indecipherable in its extension and its headlong charge.”

HistoryTerrorismExistenzVirtualizationConvulsionsCecil B Demented
Book:The Intelligence of Evil or the Lucidity Pact
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“Digital Pantheism implies omniversal ocean of pure, vibrant consciousness in motion, self-referential creative divine force expressing oneself in various forms and patterns. 'I am' the Alpha, Theta & Omega - the ultimate self-causation, self-reflection and self-manifestation instantiated by mathematical codes and fractal geometry.”

ConsciousnessPatternsSelf ReflectionDivine ForceAlpha OmegaDigital PantheismFractal GeometrySelf CausationSelf Manifestation
Book:Theology of Digital Physics: Phenomenal Consciousness, The Cosmic Self & The Pantheistic Interpretation of Our Holographic Reality
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