Credit Learning

What Is a Loan Constant?

Credit Learning

Most people who apply for a loan only consider the interest rate that they are quoted by their bank or lender. While this is a good starting point it does not reflect the true “Cost…


What is a Loan Agreement?

Credit Learning

There are many people who need the money and only a few have the resource to find it. Reasons for the need of money may come from family emergencies or the need to expand a…


Home Equity Line of Credit vs Loan

Credit Learning

When deciding between a Home Equity Loan against a Home Equity Line of Credit, first we need to determine what the money is being used for and how much money are we going to need. Generally, a HELOC…


Choosing a Consolidation Student Loan

Credit Learning

College is expensive, and more expensive still if you choose a specialized career in medicine or law. A typical bachelor’s degree runs students up with approximately $20,000 in student debt, and a medicine or law…