#debt service

[bizzview]

Navigating tax equity in the US presents its fair share of challenges. However, by skillfully leveraging tax incentives and mastering the system's intricacies, one can unlock the full potential of renewables. It's a clever way not only to drive economic success but also to make a significant positive impact on the environment. 💚💼 Making Green by Going Green! ✨ What sets this model apart? ✨  🔹 Tailored financial analysis that precisely addresses the needs of PV farm projects.  🔹 Efficient management of capital accounts and careful consideration of tax basis.  🔹 Flexibility to explore back leverage loan options for optimized financing.  🔹 Seamless allocation of income and cash flow/waterfall among partners.  🔹 Reliable projections to empower confident decision-making.  🔹 Robust reporting and analysis capabilities.

👉 Access the model now to unlock the full potential of your PV farm partnerships. Let's propel the renewable energy revolution forward! 

#Equity financing #Equity allocation #Energy sector #Energy production #Energy pricing #Energy policy #Energy market #Energy efficiency #Energy consumption #Discounted cash flow #Depreciation #Decision-making #Debt service #Debt restructuring #Debt repayment #Debt financing #Cost analysis #Cash reserves #Cash management #Cash flow projections #Cash flow optimization #Cash flow modeling #Cash flow management #Cash flow liquidity #Cash flow forecasting #Cash flow analysis #Capital structure #Capital investment #Capital accounts #Budgeting

[selfdebtrelief]

The Ultimate Guide to Debt Relief Services in the US and How to Choose the Right One

What is Debt Relief and How Can it Help You?

Debt relief is a financial solution that can help you manage your debt and get back on track to financial freedom. It is a way to reduce the amount of money you owe, or even eliminate it completely, without having to declare bankruptcy. Debt relief can be achieved through various methods including debt consolidation, debt settlement, credit counseling, and other forms of debt management. This article will explain how each of these methods work and how they can help you achieve debt relief.

Understanding the Different Types of Debt Relief Options Available in the US

Debt Consolidation

Debt consolidation can be a great way to simplify your financial life if you have multiple loan payments. But what is it exactly, and how does it work?

Debt consolidation in US is a great option if you are dealing with multiple debts. It basically involves combining all your loans into one, often using a personal loan as the payment vehicle. This method makes managing debt much easier as you have only one debt to pay off instead of multiple expenses due at different times.

Credit Counseling

Meeting with a credit counselor can help improve your financial situation. They can review your budget, debt and finances to come up with a tailored plan that best fits your needs. With the right advice, you can better manage your spending & debt and take control of your finances.

Seeking out a credit counselor could be a good fit if you just need help creating a workable debt repayment plan. A credit counselor may also help educate you on basic budgeting issues that may have caused you to have excess debt. If you’re looking for guidance with managing your debts, getting a credit counselor could be a great option. They can help come up with a debt repayment plan that works for you, as well as offer advice on budgeting and how to avoid excess debt in the future.

Debt Management Plans

A debt management plan (DMP) is an option your credit counselor or a debt relief program might suggest. This is how it works:

· You can select which debts you would like to include in the program.

· Every month, you’ll need to make a single payment to the debt management plan in order for it to remain active.

· This payment will be divided among your creditors as per the debt repayment plan.

Debt Settlement

As a final approach to managing financial hardship, debt negotiation can be extremely helpful. It allows you to negotiate a feasible settlement with your creditors and make the amount owed more manageable. In some cases, this may even result in unpaid balances being taken care of.

Debt settlement is a form of debt relief which only requires you to pay the agreed-upon settlement amount. It’s something you can do on your own if you have the financial resources and are confident enough to talk directly with your creditors.

To get credit card debt relief or loan relief, you can consider engaging the services of a debt relief company. Though it usually comes with a fee, their negotiations may help reduce the amount of debt you owe and provide much needed financial respite.

It is important to remember that creditors usually don’t consider settlements until you have fallen behind on payments. This means that debt settlement can be damaging to your credit score, more so than other debt relief options available.

As an example, debt settlement companies will usually ask you to make payments to a separate, specially designed account. Thus, you end up having delayed payments with your creditors for a certain period of time which contributes to the worsening of your credit score.

Tips on Choosing The Best Debt Relief Program Suitable For Your Needs

Debt relief in US programs can be a great way to get out of debt and improve your financial situation. But it’s important to choose the right program for your needs. Here are some tips on choosing the best debt relief program that is suitable for you.

First, research all the different types of programs available and compare them to see which one best fits your needs. Look at the fees associated with each program, as well as any other requirements or restrictions that may apply. It’s also important to consider how long it will take you to pay off your debt with each program, as well as how much money you’ll need upfront in order to enroll in a particular program.

Second, ask questions and get advice from experts who can help you understand the different options available and make an informed decision. Talk to financial advisors, credit counselors or even friends who have gone through a similar process before. Finally, make sure that you understand all of the terms and conditions associated with any loan or debt relief plan.

Call: [phone]

Visit: www.selfdebtrelief.com

#Debt #debt consolidation #debt settlement #debt service #debt management

[amereid1960]

الديون الخارجية وتأثيرها على النمو الاقتصادى فى أفريقيا جنوب الصحراء - دراسة قياسية منذ عام 2006

الديون الخارجية وتأثيرها على النمو الاقتصادى فى إفريقيا جنوب الصحراء – دراسة قياسية منذ عام 2006 الديون الخارجية وتأثيرها على النمو الاقتصادى فى إفريقيا جنوب الصحراء – دراسة قياسية منذ عام 2006 المؤلف: جيهان عبد السلام عباس کلية الدراسات الافريقية العليا- جامعة القاهرة المستخلص: تبحث هذه الورقة البحثية بشکل خاص في تحليل وقياس العلاقة بين الدين الخارجي والنمو الاقتصادي في دول أفريقيا جنوب الصحراء…

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#Corona pandemic . #debt service #economic growth #external debt in Sub – Saharan Africa #الدين الخارجى فى أفريقيا جنوب الصحراء ؛ خدمة الديون ؛ النمو الاقتصادى ؛ جائحة کورونا

[alewaanewspaper1960]

الديون الخارجية وتأثيرها على النمو الاقتصادى فى أفريقيا جنوب الصحراء - دراسة قياسية منذ عام 2006

الديون الخارجية وتأثيرها على النمو الاقتصادى فى إفريقيا جنوب الصحراء – دراسة قياسية منذ عام 2006 الديون الخارجية وتأثيرها على النمو الاقتصادى فى إفريقيا جنوب الصحراء – دراسة قياسية منذ عام 2006 المؤلف: جيهان عبد السلام عباس کلية الدراسات الافريقية العليا- جامعة القاهرة المستخلص: تبحث هذه الورقة البحثية بشکل خاص في تحليل وقياس العلاقة بين الدين الخارجي والنمو الاقتصادي في دول أفريقيا جنوب الصحراء…

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#Corona pandemic . #debt service #economic growth #external debt in Sub – Saharan Africa #الدين الخارجى فى أفريقيا جنوب الصحراء ؛ خدمة الديون ؛ النمو الاقتصادى ؛ جائحة کورونا

[angeltannis]

Nothing to say this morning except FUCK this country lmao

#guess the student loan debt relief doesn’t matter anyway bc I won’t be able to spend my money anywhere soon anyway #since it’s apparently now legal to refuse service to gay people 🙃 #seriously gotta get the FUCK out of this country #scotus

[ponyregrets]

got my student loans forgiven!!

#I did the public service loan forgiveness program #ten years working for non-profits #and the debt is now officially gone

[lostlegendaerie]

Fuck it! US Private Student Loans Guide!

DISCLAIMER: while I have worked in private loans specifically for five+ years, this isn't ‘financial’ advice and is just a heavily summarized guide on how to navigate them. Yes, these loans suck, but complain to your legislators not me. I’m just trying to help you know what you’re doing. Additional info for each section is under the cut!

1) Who are you and who are all the companies constantly running around with my money?

I work in loan SERVICING, which is basically the billing department. If you’ve got a new company asking you for money, it's probably a new servicer and your debt is still owned by the bank. We enforce the terms in the promissory note, the document you sign telling the bank “yeah I'll play by your rules if you give me the money.” If your loan defaults, you’ll get contacted by a third (fourth?) party, but how that works is beyond my wheelhouse. The bank or your servicer should be able to confirm what happens in case of default.

2) What am I looking for in a ‘good’ loan?

Generally, you’re going to want SIMPLE instead of compound interest, a FIXED RATE opposed to a variable one, and you’ll want to go for FULL DEFERMENT while in school and make manual payments when you can. Also ask up front about stuff like if disability forgiveness or co-signer release (getting your parents off it) is offered.

3) This loan sucks! How do I make it better?

Student loans are NOTORIOUSLY hard to get out of, unfortunately. If the interest rate/payment relief options suck, you can try to REFINANCE where you take out a new loan to pay off the old one. This gives you a new promissory note, interest rate, and terms/conditions. If you’re trying to erase the debt entirely, ask for the promissory note (if they can't provide a copy, we have to forgive the debt. I've only seen this happen ONCE.) or try to go through social security disability.

DO NOT USE FREEDOM DEBT RELIEF OR OTHER SERVICES. DO NOT. THEY ARE SCAMS.

More in depth information for each point!

1) Lenders and Servicers

The lender is the person who provides the funds in the debt - the bank who pays the school or the hospital or the home contractor fixing your sink. The servicer is the company that is your point of contact when you need to make payments, ask for payment relief, or otherwise manage the loan that exists. Think of us as the mechanic (we keep the car running) where the bank is the manufacturer (they make the car). Some different servicers are SoFi, Zuntafi, Great Lakes, Nelnet and Firstmark Services; their names will be on the billing statements. Some different banks are Citizens, US Bank, NorthStar; their names will be on the promissory note and the disclosures.

Sometimes banks do sell the debt, however! A couple years ago Wells Fargo sold an enormous chunk of their loans off somewhere (an investment group, maybe?) but! The promissory note will still be the EXACT same if your debt gets sold. You’ll only get a new promissory note if you refinance the loan yourself.

2a) Interest Accrual and Rates

Interest is how banks profit off the loans they give out and/or ‘ensure they don't end up with a loss if the loan defaults’. (It's profit.) Most, but not all, loans calculate interest with the simple daily interest formula, shown below:

[(Current loan balance) x (interest rate)] divided by 365

If your loan’s balance is $10,000 and your interest rate is 6% you’ll be charged $1.64 each day. SIMPLE INTEREST means that this interest just kind of floats around on the account until a payment comes in and pays it off, where COMPOUND adds that interest to the balance at the end of the month/day/whatever. Compound charges you more over the life of the loan.

FIXED INTEREST is a set percent that doesn't change, where VARIABLE will change usually based on whatever the economy is doing. There’s a minimum and maximum value to the variable interest rates, so if you’re doing a variable ASK WHAT THE MINS AND MAXES ARE. A fixed rate might be 8% and a variable might be 3.25% the day you take it out, but that variable could have a maximum interest rate of 25% so be VERY, VERY CAREFUL. If you get stuck in a real bad variable interest rate, your best solution is probably a refinance.

2b) Deferment and Payment Allocation

So interest is gonna be accruing on your loan from the day the money leaves the bank. Sucks. And you may not be able to make payments while you're in school, so opting to DEFER your payments will stop them from billing you so you can skip a month or whatever without penalty. At the END of that deferment, though, whatever interest that accrued will be added to your current balance. If we use the example from above (10k loan with 1.64 daily interest) four years of school will add $2,400 to your balance and then your daily interest will jump up to $2.03 a day.

Solution? Make payments of what you can while you’re in school to chip away at that floating interest. Usually when you make a payment, it’s gonna go towards the interest first and then the rest drops the balance. (E.g. if you make a $20.00 payment ten days after your loan is disbursed, $16.40 will go towards interest and $3.60 towards your 10k balance). There is NO PENALTY for making extra payments or making early payments, but it might make your bills look a little weird if you’re being billed each month for just the interest.

3) Why are these loans so horrible? Can’t I find anything to help me?

Blame Reagan and the republicans who enabled him.

No, but really. The problem with these loans is that those promissory notes are VERY legally binding and have lots of fine print in there designed to make it as hard as possible for someone to skimp out on their debt without having their credit score decimated. Some lenders might even dip into your paychecks if you're crazy behind or default; again, that's not my wheelhouse and I've only maybe seen that once. Your best bet is just to pay it off as fast as possible (again, no penalty for paying the loan off early) or refinance into better terms.

And I get it. I really do. I hate how we’ve made so many incredibly important things in our society locked behind a paywall that charges poor people more to climb than the rich. But if you’ve made it this far, please don't turn your anger at me for not giving you the answers you want. The best I can do is vote for people who are willing to crack down on predatory lending, keep fighting for student loan forgiveness… and at my own job, make sure that my coworkers aren't making mistakes.

If you have a more specific question, I can try to answer as best I can without breaking any information privacy laws. And take care, okay? You are never fighting alone.

#private loans #student loans #school loans #loan forgiveness #long post #credit score #credit services #debt relief #debt consolidation #I spent like two weeks off and on with this PLEASE REBLOG but also PLEASE BE NICE

[annemarieyeretzian]

orym saying “tell him everything that happened if you find them.” and then sighing and adding “tell him we miss him.” and deni$e immediately asking “now who do you miss? dariax or dorian?” (bonus: orym answering “all of them, all of them.”)

#aimee carrero thank u for ur service 🫡 #annemarie watches critical role #critical role #orym of the air ashari #orym #deni$e bembachula #denise bembachula #deni$e #denise #dariax zaveon #dariax #dorian storm #dorian #orym x dorian #dorian x orym #dorym #otp: no debts between us #bell's hells #a haunted past #c3e63

[the-level-up-diaries]

MY 2023 GOALS

The goals I set this year vs what I actually accomplished.

Enroll in WGU and complete a degree in 6 months

-I enrolled and switched my degree a few times. I am now enrolled in the master's program with WGU and I want to land a system admin job in the year year after I graduate that pay $90k-$120k. I am also getting Cisco and RedHat certified, so *fingers crossed* .

Pay off my student loan debt

-On December 22nd of 2023 I will officially be DEBT FREE!!! I struggled, worked 2 jobs, burned out a couple of times and made many sacrifices. I can honestly say I am very, very proud of myself. I questioned many days could I get debt free and even thought about waiting on relief, but I finally did thank God!

Get a job paying over $65k

-I took a course and landed an SDR role within a company and my job with OTE pays $72k. It's a hard job, but I am learning everyday and I hope that I can continue with the company as long as possible.

Get my credit above the 700s

-This is a yes and a no! I won't officially get my new score until the new year, but since all my debt will be gone, it should be past THE 700S.

Lose 50 lbs.

-I really struggled with my weight this year as well as my eating. What I learned is I needed to simplify my routine. I start turning on anime and watching that while I walk at a speed of 3.0-3.5 on the treadmill. I walk an hour everyday, but Sunday. I will lay out the plan on how and when I'll lose this weight in a later post.

#dream life #feminine #self love #little big steps #black women in femininity #level up #level up on a buck #feminine black women #vulnerable #level up journey #debtreduction #debt collection agency #debt collection services #financial #student debt #banking #economy #financial planning #debt #student loans #weight loss #new year #new year new me #leveluponabuck #the level up diaries #pivot

[askinnyblackman]

when will neoliberalism end. i'm tired

#i want to eat fruit and play musical instruments and not be depressed #but all i got is this job that i actually like #i've been there full time for 5 years now and still the amount i owe in student loan debt is 3x all of the money i have #i did get them consolidated with a lower monthly payment and lower interest rate and i've got the public service part going bc i work #for a nonprofit. but jesus christ this sucks

[tomorrowusa]

Tens of thousands of public service workers are getting student loan relief from President Biden.

The Republican Supreme Court blocked Biden's broad effort to forgive onerous student loans. But the administration has found legal ways to reduce or eliminate student debt for specific segments of those saddled with such debts. This week's announcement is part of that effort.

President Joe Biden announced another round of student loan debt forgiveness Thursday, totaling $5.8 billion for nearly 78,000 public-sector workers, and will be sending congratulatory emails to those borrowers next week. Additionally, 380,000 borrowers who may be eligible for debt relief within the next one or two years will also be getting emails from Biden with a message that says “keep it up!” “If you continue your career in public service, you’re on track to get your eligible student loans forgiven in less than two years through Public Service Loan Forgiveness,” an example email provided by the White House reads. Under the forgiveness program, known as PSLF, qualifying borrowers – like teachers, social workers, some nurses and doctors, and government lawyers – are eligible for student debt cancellation after making 10 years of monthly payments.

Republicans like Donald Trump are against debt forgiveness. Of course Trump is a nepo baby who got daddy to pay for everything including (probably) bribing admissions officers and paying others to do his course work for him.

Trump's attendance at Penn has been a source of controversy. The university would probably like him to just go away.

Penn rejects calls from Wharton professors to investigate Trump's SAT cheating allegations

Prominent Philadelphia lawyer Stephen Sheller also penned a letter to Gutmann and Board of Trustees Chair David Cohen requesting an investigation into Trump’s admission into Penn. Sheller, a 1960 College graduate and 1963 Penn Law graduate, did not receive a response. Both requests, written a week apart in July, center around a claim made by the president’s niece Mary Trump in her tell-all book “Too Much and Never Enough.” She wrote that Trump paid another person, named as Joe Shapiro, to take his pre-collegiate exam, the SAT, on his behalf — a score he later used when transferring from Fordham University to the Wharton School in 1966. The allegations resurfaced Saturday night when Mary Trump provided secretly recorded audio to the Washington Post which featured the president’s sister, Maryanne Trump Barry, saying Trump cheated on the SAT. Mary Trump sent the audio excerpts, recorded in 2018 and 2019, to the Post in response to a question asking how she knew Trump had someone take his SAT for him.

For filthy rich crooks, a degree is of little academic value. It's more like a badge for them to show off. They would like to discourage others from being able to say that they are in some way their equals.

#student debt forgiveness #biden administration #pslf #public service workers #removing burdens from the middle class #republicans #gop opposition to student debt relief #donald trump #trump's dodgy college career #trump cheated on the sat #election 2024 #vote blue no matter who

[greenskellyblob]

Bureaucracy

(derogatory) (disgusted) (dismayed)

#I have a tiny little debt that got left after I changed mobile services provider #I listened to so much elevator music while I waited for a person to speak to #and I cleared it! or so I thought! Asked the woman if I need to call anyone else to confirm she said no! all's good! #this morning I got another message to pay it #people please don't you talk to each other???? #jelly yells #I'll have to call them again won't I

[calypsolemon]

the thing ppl never seem to get is that SU isn't about redeeming every villain no matter how bad they are, its about rejecting the concept of "redemption" in the first place

#the show is fundamentally uninterested in the idea of accruing some sort of spiritual debt that must be paid in service #once you stop hurting people its good to try to repair harm. but you are not forever shackled to serving those you hurt or some other cause #in lieu of that

[romance-incubomp3]

like if therapy and meds help you that’s so cool but it drives me insane how people treat those as some magical cure all that EVERYONE needs to seek out even though the psych industry is fucked and biased and not affordable and if trying to find a good therapist or find the right meds is doing nothing but causing you even more stress and anxiety even after you’ve been trying to get help for years than maybe it’s not worth it at that point

#do people just like forget that every med has a shit load of potential side affects?? #that can make your mental health and even physical health WORSE?? #like no one in my family has actually had meds work for them #they just kind of. didn’t do anything for me and my #brother is cursed with getting the Bad side effects of any medication he takes #so like #and when you have mental health conditions that entail #having an incredibly difficult time opening up emotionally or even talking about vulnerable topics #what’s the fucking point #I’d go thousands of dollars into debt before a therapist would ever get me to open up #and that’s IF I was lucky enough to find one that worked for me #also no psych is gonna solve the housing and economy crisis lol #they can’t do anything for me being depressed cause I’m stuck living in a tiny apartment crammed with other people! #even therapists and psychs have straight up told me I don’t seem to benefit from their services #idk just like. if you see that a mentally ill person isn’t on therapy or on meds by choice #consider there’s a reason for that and mind your own fucking business lol

[bethanydelleman]

Darcy didn’t pay Wickham 10k

I repeat: Darcy didn’t pay Wickham ten thousand pounds to marry Lydia!

That is the number that Mr. Bennet said when he was freaking the fuck out and trying to think how he would get the money to pay his BIL back.

Mr. Bennet had no idea what was actually paid.

It’s in the letter from Mrs. Gardiner, and it’s about three thousand pounds. Because...

Wickham, of course, wanted more than he could get; but at length was reduced to be reasonable. (Ch 52)

#pride and prejudice #Wickham #public service announcement #I write this out way too many times #mr. darcy #I don't usually use swears when I write about Jane Austen #but man I'm tired of saying this #reduced to be reasonable is a great turn of phrase #jane austen #1k for Lydia about 700 for the commision and over 1k in debts #its like if you take your car in for repairs fearing it will cost 1k but its only a $300 repair

[nando161mando]

"Debt is a form of social control" (EN: English)

#Debt is a form of social control #debt collection agency #debt collection services #debt recovery #debt #social control #fascism #capitalism #oppression #repression #class war #ausgov #politas #auspol #tasgov #taspol #australia #fuck neoliberals #neoliberal capitalism #anthony albanese #albanese government #eat the rich #eat the fucking rich #oppressor #free all oppressed peoples #pedagogy of the oppressed #oppressive #anti capitalist #capitalist hell #pinnochio