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Monday, March 25, 2013

Student Loans Are Diving Underwater

The student loan market has a lot of factors that seem to say "Stay the heck away!": they're relatively easy to qualify for, college costs have increased far more rapidly than general consumer prices, we now seem to feel that EVERYONE SHOULD HAVE A COLLEGE EDUCATION. ELEVENTY!!!, and most importantly, the job outlook for many (most?) college grads is to put it mildly, pathetic.  

This graph from the Washington Post piece points out some evidence that we might be seeing the beginning of the next "bubble pop".  Although they're a fairly small part of the overall consumer loan market, student loans are more likely to be 90+ days past due than any other loan class.  And the percentage is growing pretty rapidly. 
 












Luckily, the Unknown Daughter gets free tuition at Unknown University.   We still have a half-dozen years until we have to shell out for college, but it'll take a lot to justify her going somewhere other than to my (fairly low-cost) school. 

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Regards
Management

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Jamesterra said...

We are authorized Financial consulting firm that work directly with
A rated banks eg Lloyds Bank,Barclays Bank,hsbc bank etc

We provide BG, SBLC, LC, LOAN and lots more for client all over the world.

Equally,we are ready to work with Brokers and financial
consultants/consulting firms in their respective countries.

We are equally ready to pay commission to those Brokers and financial
consultants/consulting firms.

Awaiting a favourable response from you.

Best regards
WALSH SMITH, ROBERT
email : info.iqfinanceplc@gmail.com
skype: cpt_young1
Tel contact: +447031968934

Gary Snyder said...

Contact: Gary Snyder
Skype ID: readysteadyfinancesltd
Email: readysteadyfinancesltd@gmail.com
Tele: +447031912976

PARTICULAR INSTRUMENTS BANK

Instrument: Fully Cash / Bank Guarantee (Standard ICC format)
Age: Fresh Cut
Interest Rate: ZeroCoupon
Duration: One (1) year and One (1) day
Currency: USD / Euro
Menu Bank: WEB Top
Amount: As Suggested by Beneficiaries
Initial Deposit: Applies to Instrument Value Required
Invoice Price: Four (4%) Percent of Face Value minus Paid Initial Payment
Intermediate Fee: One Percent (1%) of the Face Value is paid by the Beneficiary
Tranche: As per the agreed tranche schedule
Shipping: Swift MT799 / MT760
Payment: Swift MT103 (Wire Transfer)

Wesley Burke said...

We have direct providers of Fresh Cut BG, SBLC and MTN which are specifically for lease. Our bank instrument can be engaged in PPP Trading, Discounting, Signature Project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, Construction of Dams,Bridges , Real Estate and all kind of projects.If you have need for corporate loans, International project funding, etc. or if you have a client that requires funding for his project or business, We are also affiliated with lenders who specialize on funding against financial instruments, such as BG, SBLC, POF or MTN,we fund 100% of the face value of the financial instrument.

DESCRIPTION OF INSTRUMENTS:

1. Instrument: Bank Guarantee (BG/SBLC) (Appendix A)
2. Total Face Value: Eur 1 MIN and Eur 5B MAX (Five Billion USD).
3. Issuing Bank: HSBC, London or Deutsche Bank Frankfurt or any Top 25 WEB
4. Age: One Year, One Day
5. Leasing Fee: Based on the Face Value of BG/SBLC Plus (0.5% + X %) Commission.1M ? 50M: 3.0% + (0.5% + X%) = 3.5% + X%51M ? 100M: 2.5% + (0.5% + X%) = 3.0% + X %101M ? 500M: 2.0% + (0.5% + X%) = 2.5% + X%
6. Delivery: Bank to Bank Swift MT799 and/or MT760
7. Payment: MT103
8. Hard Copy: By Bank Bonded Courier within 7 banking days after delivery of Swift.

Best Regards
Management.
Wesley Burke
Email: wesswebur2323@gmail.com
PH: +1-218-248-7397

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Jamesterra said...

We are authorized Financial consulting firm that work directly with
A rated banks eg Lloyds Bank,Barclays Bank,HSBC bank etc

We provide BG, SBLC, LC, LOAN and lots more for clients all over the world.

We are equally ready to work with Brokers and financial
consultants/consulting firms in their respective countries.

Our procedures are most reasonable and safest as we operate a 100% financial risk free process which entails that the issuing and receiving bank continues the transaction immediately after DOA is countersigned

We hope to establsih a long term business relationship with you even after this first trial

Regards
WALSH SMITH, ROBERT
email : info.iqfinanceplc@gmail.com
skype: cpt_young1
Tel contact: +447031968934

Jamesterra said...

We are authorized Financial consulting firm that work directly with
A rated banks eg Lloyds Bank,Barclays Bank,HSBC bank etc

We provide BG, SBLC, LC, LOAN and lots more for clients all over the world.

We are equally ready to work with Brokers and financial
consultants/consulting firms in their respective countries.

Our procedures are most reasonable and safest as we operate a 100% financial risk free process which entails that the issuing and receiving bank continues the transaction immediately after DOA is countersigned

We hope to establsih a long term business relationship with you even after this first trial

Regards
WALSH SMITH, ROBERT
email : info.iqfinanceplc@gmail.com
skype: cpt_young1
Tel contact: +447031968934

James Jackson said...

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Finance

cook said...

Are you an individual businessman or a business organisation that wishes to expand in business ??, we offer financial instrument such as BGs, SBLCs,MTNs, LCs, CDs and others on lease and sales at a rate of 4%+2% of the face value and reasonable conditionfrom a genuine provider. You are at liberty to engage our leased facilities into trade programs as well as in signatory project(s) such as Aviation, Agriculture, Petroleum, Telecommunication and any other project(s) etc.

Email:~ info.hlfinanceplc@gmail.com
Skype ID:info.hlfinanceplc

With our financial/bank instrument you can establish line of credit with your bank and/or secure loan for your projects in which our bank instrument will serve collateral in your bank to fund your project.

We deliver with time and precision as set forth in the agreement. Our terms and Conditions are reasonable and we work directly with issuing bank lease providers, this instrument can be monetized on your behalf for upto 100% funding. Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved.

All relevant business information will be provided upon request.
BROKERS ARE WELCOME & 100% PROTECTED!!!

If Interested kindly contact me via

Email:info.hlfinanceplc@gmail.com
Skype ID:info.hlfinanceplc

serious enquiry

BG & SBLC For Lease and Purchase 100% protected (We moves first)

Unknown said...

Dear Sir/ma,

I am a direct Mandate to a genuinely renowned Investment Finance

Company and providers offering Financial Instruments such as

BG/SBLC/MTN/LC/DLC on Lease and Sale at the best rates and with the

most feasible procedures. Instruments offered can be put in all forms

of trade and can be monetized or discounted for direct funding. We

offer certifiable and verifiable bank instruments via Swift

Transmission from a genuine provider capable of taking up time bound

transactions.

With our financial/bank instrument you can establish line of credit

with your bank and/or secure loan for your projects in which our bank

instrument will serve collateral in your bank to fund your project.

We deliver with time and precision as set forth in the agreement. Our

terms and Conditions are reasonable and we work directly with issuing

bank lease providers, this instrument can be monetized on your behalf

for upto 100% funding. Intermediaries/Consultants/Brokers are welcome

to bring their clients and are 100% protected. In complete confidence,

we will work together for the benefits of all parties involved.

All relevant business information will be provided upon request.
BROKERS ARE WELCOME & 100% PROTECTED!!!

Kindly contact me for serious inquiries via email.

Contact : Carl Alenxander
Email : carlxander74@gmail.com ,carlxander74@outlook.com
Skype: carlxander74@gmail.com

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AZRA ISHAQUE said...

We offer certified and verifiable bank instruments via Swift Transmission from a genuine provider capable
of taking up time bound transactions.

FOR LEASING OF BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
LEASING FEE = 4%+2%

FOR PURCHASE OF FRESH CUT BG/SBLC
PRICE = 32%+2%
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M

Our BG/SBLC Financing can help you get your project funded, loan financing by providing you with yearly. RWA ready to close leasing with any interested client in few banking days
renewable leased bank instruments. We work directly with issuing bank lease providers, this Instrument can be monetized on your behalf for 100% funding: For further details contact us with the below information.

Contact name: Azra Ishaque

Email : lintel.financialservicesplc@gmail.com

Skype : lintel.financialservicesplc

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Keat Cheng said...

We are Ireland authorized Financial consulting firm that work directly with
A rated banks eg Lloyds Bank,Barclays Bank,hsbc bank etc

We provide BG, SBLC, LC, LOAN and lots more for client all over the world.

Equally,we are ready to work with Brokers and financial
consultants/consulting firms in their respective countries.

We are equally ready to cover some commission to those Brokers and financial
consultants/consulting firms.

Awaiting a favourable response from you.

Best regards
KEAT,CHENG L
email :keatcheng2@gmail.com
skype: keatcheng2@gmail.com
Tel contact: +338060938462

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Utpal Chowd said...

I am a financial consultant and have a very good and reputable Provider of some bank instruments we can only deliver SS/FC cash backed lease bank instrument {(BG/SBLC/LC/DC/MTN)} to you in accordance to our terms and condition. Our bank instruments can serves as collateral as the case may be, which will enable you get loans from your bank so as to embark on any projects such as Aviation, Agriculture, Petroleum, Mining, Telecommunication, Construction of Dams, Real estate, Bridges, Trading, Importing and exporting and Other Turnkey Project (s) etc.

Also these instruments can be put in PPP, etc. Please do let me know of your willingness to proceed and I will email you our terms and condition upon request.

Contact : Mr. Chowdhury Utpal
Email: chowdutpal@gmail.com
Skype ID: utpal.chowdhury73

BROKERS ARE WELCOME & 100% PROTECTED!!!

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