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Save Money by not Paying your Tuition Fees Upfront

Save Money by not Paying your Tuition Fees Upfront

Learn about the government's latest tuition fees scheme.

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Embrace the Flexibility of Student Debt

Embrace the Flexibility of Student Debt (and don’t worry if you can’t pay it back…) Student debt is something that’s completely unavoidable for most people who end up studying at university. Tuition fees won’t pay themselves, and nor will bills and other general living costs that you will encounter. The thing to remember about student debt however is that it’s extremely flexible. If you take out a student loan you’ll only ever pay back the ...

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Avoid Pay Day Loans as a Student

Avoid Pay Day Loans as a Student

Life as a student involves copious amounts of budgeting. If you don’t budget, your loans and grants will soon dwindle away – leaving you with precisely no money to cover bills with – and no money to buy food with. Even if you do budget you may still fall on hard times occasionally. In this article we’ll outline the main reasons why it’s important for students to stay well away from pay day loans as a source of cash. High interest rates: As if you didn’t know ...

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Taking out your First Credit Card or Loan: The Cost of Borrowing Money

Taking out your First Credit Card or Loan: The Cost of Borrowing Money

Borrowing money isn’t free, and it isn’t cheap. There are lots of different ways in which you can borrow money should you need to do so. Different lending packages are for different uses, and have different typical terms (some are long term, other forms of borrowing are temporary or short term). The thing to remember with loans and other form of borrowing is that the higher the interest rate is, the more expensive that money is to borrow – it’s pretty simple ...

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Is University Worth It Financially?

Is University Worth It Financially?

As tuition fees have gone up so dramatically for students starting university as of September 2012, more and more students are now thinking twice before applying for uni, with most of them asking is it all worth it? Most students will graduate with student debt of around £27,000 (assuming they take the full loans they’re entitled to) – this level of debt is not to be sniffed at, and it’s obviously not a two-second process when it comes to paying it back. The ...

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What’s the Best Credit Option for you?

What’s the Best Credit Option for you?

Different types of credit come with different merits. Some forms of borrowing are easily accessible and ideal for people who need money at short notice or in an emergency. Other forms of borrowing are harder to obtain, but the longer term nature of borrowing and the lower interest rates makes them a better deal for borrowers. It’s totally up to you what kind of credit you opt for, but we’ve decided to put together a short list on the best credit options for ...

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How to Check your Credit Score or History

How to Check your Credit Score or History

Your credit score is really important even though you might not realize it. Your credit score determines your ability (or inability) to obtain finance such as loans, overdrafts, credit cards, and even insurance. It’s imperative that you understand that your credit score stays looking healthy – because if you get any bad marks on your credit history your ability to obtain credit can be greatly reduced. There are several main credit rating agencies out there. ...

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Good vs. Bad Debt

Good vs. Bad Debt

Believe it or not there are different severities of debt; there’s good debt and bad debt. It’s important that you can understand the difference in severity between the different forms of debt you’re likely to incur as a student. Once you know whether the debt you’ve accrued is good or bad, you should be able to prioritize your repayments. Typically it’s a good idea to repay good debt last. What’s a good debt? A good debt is basically just an investment – albeit ...

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How to Prioritise Different Types of Student Debt

How to Prioritise Different Types of Student Debt

Understanding the Severity of Different types of Student Debt Debt is part and parcel of being a student for many people who go to university. The high upfront costs would simply be unaffordable for most people if financing and loans weren’t laid out on the table. In this article we aim to help you understand the different types of debt that students face, and which debts should be avoided at all costs. “Good” debt No debt is good per se, but a student loan is ...

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How to Use Student Money Advice Services at University

How to Use Student Money Advice Services at University

Using Student Money Advice services at University Most universities in the UK offer money advice services for students. The biggest problem students face in order to use these services is swallowing their pride to admit they’ve got some financial problems. If you’ve got yourself into a tight spot in terms of money, don’t be afraid to seek help and speak to someone about it. Most universities employ specialist financial advisors who can help you turn a massive ...

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