Consolidating School Loans…

Consolidating School Loans…

I know it may be a bit late for the date to lock in low rates, but I wanted to tell you guys about my loan cosolidation company because I found out yesterday they do some really cool things for you...don't know if other companies offer these perks, but for those of you considering consolidating whenever, it's worth a call. I went through Great Lakes (www.mygreatlakes.com)--and they put me through The Bank of NY ELT Higher Ed Fund-- after graduating to consolidate all of my loans. I had approximately 400 a month in loan payments coming in and couldn't afford it. I got a letter from these guys and gave them a call. Not only did they send me the forms, they called me a few days later and walked me through them and told me everything I needed to fill in. They were very helpful and the entire process was completed in under 10 minutes. They also got me on a graduated payment scale and made my payments 75.00 a month. They will increase later, as I am (supposedly, haha) making more money. Well, my rate was locked in at 2.875%, which is pretty darned good. BUT then I got a letter from Great Lakes yesterday telling me that if I go through their EFT program to guarantee they get the payment on time they will knock down my interest rate another.250%, making my rate 2.650%. ADDTIONALLY, the letter told me that if I make 36 on-time payments they will knock down my interest rate another 1.000%. That means in a couple more years I will be paying 1.650% on my student loands for the remainder of my payments! That's awesome! So I don't know if any of you get perks like that through your school loan consolidation, but I thought it was worth sharing since it's going to save me a ton of money over time. I am, by the way, not affiliated with them in any way, shape or form, except as a customer, so I get nothing for telling you this. I just hope a few of you can benefit like I am. Hope this helps someone.
Ten Minute Trellis

Ten Minute Trellis

What do I have here?

What do I have here?

our livingroom so far

our livingroom so far

Pretty Mums

Pretty Mums

photo heavy mainly veggies.

photo heavy mainly veggies.

Guess the plant!

Guess the plant!