Below are additional resources to help you with your personal loans:
HUD (U.S. Department of Housing and Urban Development) - Created in 1965, HUD is a United States federal department that administers federal programs dealing with better housing and urban renewal. Visit http://portal.hud.gov/portal/page/portal/HUD for more information.
Federal Housing Agency (FHA) - FHA is a United States federal department that provides supervision, regulation and housing oversight of Fannie Mae, Freddie Mac and the Federal Home Loan Banks to support housing finance and affordable housing, and support a stable and liquid mortgage market. Visit http://www.fhfa.gov for more information.
Fannie Mae - A government-sponsored enterprise (GSE) chartered by Congress provides liquidity, stability and affordability to the U.S. housing and mortgage markets. Fannie Mae operates in the U.S. secondary mortgage market and works with mortgage bankers, brokers and other primary mortgage market partners to help ensure they have funds to lend to home buyers at affordable rates. Visit http://www.fanniemae.com for more information.
Freddie Mac - A stockholder-owned corporation chartered by Congress in 1970 to keep money flowing to mortgage lenders in support of homeownership and rental housing by providing liquidity, stability and affordability to the U.S. housing market. Freddie Mac participates in the secondary mortgage market to provide their credit guarantee for residential mortgages originated by mortgage lenders and invests in mortgage loans and mortgage securities. Visit http://www.freddiemac.com for more information.
Search for the best mortgage rates - MSN has a nice search engine allowing you to find the best mortgage rates. You can choose various parameters to find the best loans which include your state or zip code, type of loan (purchase, refinance, home equity), loan amount, discount points, fixed rate, adjustable rate or interest only rate. Visit http://financialtools.money.msn.com/best-home-mortgage-rates/ for more information.
Student Aid on the Web - This is a source of free information from the U.S. Department of education on preparing for and funding education beyond high school. Visit http://studentaid.ed.gov/PORTALSWebApp/students/english/index.jsp for more information.
Free Application for Federal Student Aid (FAFSA) Application - Most student complete the FAFSA online to apply for a federal student loans. Schools use the information from the FAFSA to determine how much money (loan) students will receive. Visit http://www.fafsa.ed.gov/ for more information.
Master Promissory Note (MPN) - When you receive a federal loan you must complete a MPN which is a legal document stating that you promise to replay your loan and any accrued interest and fees. The MPN also explains the terms and conditions associated with your loan. The same MPN can be used for future loans that you may receive over several years in school. Visit http://www.studentloans.gov/ for more information.
U.S. Department of Education’s National Student Loan Data System (NSLDS) - If you are uncertain as the type of federal student loan you have visit www.nslds.ed.gov/nslds_SA.
U.S. Department of Education - If you need help in determining which plan is good for you, use the DOE’s interactive calculators at www.ed.gov/offices/OSFAP/DirectLoan/calc.html.
Poverty Guidelines Chart - This chart is issued annually by the U.S. Department of Health and Human Services shows. The Monthly discretionary income equals your AGI minus the poverty level for your state of residence and family size, divided by 12. Visit http://www.direct.ed.gov/RepayCalc/poverty.html for more information.
Student Loan Calculators :
Small Business Administration (SBA) - If you are looking to start your own business and need a loan and help consider the SBA. The SBA was started in 1953 by the federal government as an independent agency help, counsel, assist and protect the interests of small business concerns, to preserve free competitive enterprise and to maintain and strengthen the overall economy of our nation. For more information visit http://sba.gov for more information.