Many students apply for student loans to help them in paying their school fees and meet other costs of attendance. Private student loans are mainly provided by Banks. They are far more flexible than federal student loans. With the increase in higher education costs, more students are applying for private student loans. Private student loans come in handy if you have borrowed the maximum you can from federal loans. Before choosing a lender for your private student loan, here are the factors to consider.
Private student loans offer an array of interest rates. Most of the lenders allow you to choose between fixed and variable interest rates. The rates largely depend on your credit score and income if any. The stronger the credit score, the lower the interest rate. With fixed interest rates, the rate of the loan remains constant throughout. This is great because you can already predict your future repayment interest and have a plan. On the other hand, if interest rates drop significantly, you will not benefit from this. Flexible interest rates are good so long as they remain low. A sudden increase in the rates means that you will pay higher interest amounts. Comparing private student loan interest rates is tricky, therefore take your time and investigate some banks before you make your decision.
There are different repayment tenors you can choose for your private student loan. A shorter repayment tenor means that you will pay higher monthly installments. On the other, hand a longer repayment tenor means that you pay little monthly installments. You need to get a perfect balance between the short and long tenor. This is because, although the longer tenor might seem attractive because you pay small installments, you will end up paying more money cumulatively than in the shorter one. On the other hand, paying large sums of money in a short tenor might be stressful to you. The ideal medium is around ten years. If your income after graduation is good, you can choose a lesser repayment period. There is the option of clearing your loan by paying more every month. This is ideal if you get a better job or if you get additional income. It is good because it helps you clear the loan faster and it reflects positively on your credit score. However, some lenders do not offer this option. Ask about this before you make your loan application.
Most lenders have a limit on the number of private student loans they give. Have a look at the minimum and the maximum limits of a lender before you apply for the loan. This saves your time in case the amount you want doesn’t fit in the range offered by the lender. As you look at the limits, do not be tempted to apply more than you need just because the limit allows. Stick to the golden rule of applying for only what you need. Remember that this is a loan you will have to repay with interest in the future.…
Art has been around in whole life, be it in a museum, restaurant, cafe, or in an art convention. It has also been a subject since we’re kids and up to a teenager, until we graduated from senior high school. For some people, art can be a hassle since not everyone is passionate about learning art, while for some, it is a wake-up call that art is their passion. If you’re a starving artist to make some income, make sure to read this article as we’re going to discuss several job selections for artists.
This one is perfect in case you’re just starting out or a professional. Commissions are a perfect way to earn money, while also making customers happy with the things that you drew. So how does a Commission works? A commission works as a customer ask if an artist can draw him something, and if the artist agrees to it, the customer will pay 50:50, depending on the artist’s rules. Usually, the finished product is for personal use, and for business or commercial purposes, you can always charge more depending on the products.
Tip: For more customers, make sure that you’re building your brand image as your art will spread from mouth to mouth.
If you love games and you love to draw, then this is the perfect job for you. Games company often are looking for artists, and do not worry they need lots of category besides illustration. If drawing humans or monsters are not your forte, maybe you can design their background, or perhaps furniture and many more, the possibilities are endless. An example of a game company is Valve, where they release one of the most popular MOBA game, which is Dota 2.
Tip: Try to look at their websites just to see if they have a job offering for you.
Some people are willing to buy your art, and if you have gathered enough people that wanted to buy your art, you can start selling merchandises with your art. Be it pin, keychain, t-shirts, mug, or even playing cards, the list goes on. Where do you sell this you might ask? You can sell it online or sell it during art conventions, which is a perfect occasion as there will be lots of art lover there, giving you an ideal chance to promote your products.…
A job interview is the first step of getting your job, and often the first impression is what leads you getting the job or not. Few factors could cause you to fail the job interview, and hopefully, you didn’t do any of those in front of the interviewer. In this article, we’re going to give you some helpful tips on how to face a job interview, so don’t worry and read this article to find out more about it.
Before you start the job interview make sure that you do a lot of research on the company’s background before you go to the job interview. Doing this will ensure that when you’re asked questions such as ‘What do you know about the company’ You can quickly answer the question with no problem at all. Not to mention the company will appreciate your effort of looking up the company’s background, which also means that you want this job, not just for a random interview.
Tip: Make sure to know a small background of the company, and know what category they are operating in.
Before you start to face the interview, make sure that you anticipate some question from the interview, these questions are usually a trick question, and often they are there to test your physiology. Certain questions such as ‘Why do you want to work here’ Might sound simple, but it’s revealing a lot of information or at least the emotional state of yourself.
You’ve probably heard it before, but don’t be nervous when doing the job interview, and most importantly don’t stutter as you try to talk. Sign of anxiety and stuttering might signal the interviewer that you’re easily panic, which is not great as that’s another signal that you can’t work under pressure or uncertain work environment, so try to fake it till you finish the job interview.
Tip: practice your speech before you go to the job interview, that way you won’t stutter.
Another tip to succeed the job interview is by wearing proper clothes, and this depends on the company. If it’s a business company make sure to wear a formal shirt and a suit if it’s a more casual company you can wear something casual, but still look presentable.
Tip: Make sure to wear warm colors, such as blue, brown, gray and black. Avoid sharp colors such as bright red, and yellow.