Personal Finance Resources
Financial Aid Advice / Information:
College Foundation of North Carolina
ED.GOV: U.S. Department of Education:
Elm Resources: comprehensive website on loans, including loan history
FINAID: The Smart Student Guide to Financial Aid:
Free Application for Student Aid
Information about 529 Education Plan
National Association of Financial Aid and Administrators
Sun Trust Financial Aid Podcasts on College Education Planning
UNCP Financial Aid Information
U.S. Congressman Mike McIntyre: Financial Aid
Information about Loan Payment and Forgiveness Programs:
Income-Based Repayment Information
Calculators:
Getting out of debt websites:
Federal Trade Commission: Credit Repair
Comprehensive Websites on Finance:
www.bankrate.com
News, tips and advice to compare mortgage rates, home equity loans, CDs, car loans, credit cards and money market accounts
Kiplinger.com: Timely, Trusted Personal Finance Advice and Business Forecasts
SmartMoney Magazine: Personal Finance and Investing
Regulations
Federal Laws Concerning Grants and Loans
Discusses Pell Grant increases and debt payment/forgiveness for students. (look for the text and pdf links next to 9/27/2007)
Federal Laws Regulating Credit Practices:
Fair Credit Reporting Act – Regulates the collection and use of consumer credit information
Fair Credit Billing Act – An amendment to the Truth in Lending Act, the FCB protects consumers from unfair billing practices and billing errors
Consumer Credit Protection Act – Protects employees from being fired because any part of their wage was garnished (a stoppage of a specified sum from wages to satisfy a creditor or a legal obligation; m-w.com)
Truth in Lending Act – Promotes informed use of consumer credit cards through disclosure of credit card terms and agreements, allows timely solution to billing disagreements, and allows consumers to cancel transactions that involve a lien on their homes (1: a charge upon real or personal property for the satisfaction of some debt or duty ordinarily arising by operation of law 2 : the security interest created by a mortgage; m-w.com)
Fair Debt Collection Practices Act – Creates guidelines for credit collectors, protects consumers from unfair or abusive collection practices, allows consumers to solve disputes in debt collection
Equal Credit Opportunity Act:
Prevents discrimination in applying for credit due to race, gender, color, religion, marital status, age, national origin, or because the consumer receives some form of public aid
www.ftc.gov/bcp/conline/pubs/credit/ecoa.shtm
www.law.cornell.edu/uscode/15/1691.html
April 3, 2008 at 3:02 am
Thanks Terry.
Excellent work!