Money Management

Yes, Lovely Professional University (LPU) has a loan assistance cell that helps students get loans from banks with which the university has tie-ups. Students can avail the education loan facility in their first year and subsequent years.

Here are some other financial aid options at LPU:

Need-based financial aid: Students can apply for need-based financial aid by filling out an application form and emailing it to financialaid@lpu.co.in.

Scholarships: LPU offers scholarships to deserving students in all programs.

Students and their parents are responsible for the loan letter, loan sanction, loan repayment, and any other liabilities.

An installment loan is a broad, general term that refers to the overwhelming majority of both personal and commercial loans extended to borrowers. Installment loans include any loan that is repaid with regularly scheduled payments or installments.

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In order to streamline the procedure, Lovely Professional University has a specialized Loan Assistance Cell that collaborates with several nationalized and private banks, including SBI, PNB, HDFC, ICICI, Axis, Central Bank of India, and others. Many of these institutions have branches right on campus. Although you or your parents are responsible for final approval, collateral, repayment, and loan terms, LPU assists with documentation and bank interaction and sends your offer letter upon admission. The procedure is now significantly faster due to a recent rule in India that requires PSBs to approve education loans within 15 days. Therefore, the process of getting a loan for LPU is simple and well-supported.

Yes, after a foreclosure, a mortgage insurance company may seek to collect from you for the difference between the fair market value of the property and the outstanding loan amount if you had a private mortgage insurance (PMI) policy. This situation typically arises if the lender files a deficiency judgment against you, which can allow them to pursue the remaining balance. However, laws regarding deficiency judgments and mortgage insurance claims vary by state, so it's essential to consult legal advice to understand your specific circumstances and rights.

Yes, a cosigner can help if you have bad credit, as they provide a guarantee to the lender that the loan will be repaid. This can improve your chances of getting approved for a loan or lease, and may also result in better interest rates. However, the cosigner's credit and financial stability will also be evaluated, and they assume responsibility if you default on the loan. It's important to maintain good communication and make timely payments to protect both your and your cosigner's credit.

No, you cannot go to jail simply for taking out a personal loan. However, if you fail to repay the loan and the lender sues you for the debt, you could face legal consequences. While debt itself is not a criminal offense, failing to comply with court orders or committing fraud related to the loan could lead to legal penalties, including possible jail time. Always communicate with your lender if you're having trouble making payments to avoid these situations.

A HELOC (Home Equity Line of Credit) is not free money—it's a loan secured by your home. You borrow from the equity in your home, and you're required to repay both the principal and the interest.

Here’s how it works:

Draw Period (usually 5–10 years): You can borrow money as needed and often make interest-only payments.

Repayment Period (usually 10–20 years): You can no longer borrow and must start repaying the full amount—principal plus interest.

Failing to repay your HELOC can lead to penalties, credit score damage, and even loss of your home since it’s used as collateral.

To make informed decisions about HELOCs, tools like PFScores can help you understand repayment terms, interest rates, and whether a HELOC fits your financial situation.

Normally, you can’t rent out a shared ownership property without permission. These homes are for you to live in, not to rent to other people. But if your situation changes, you can ask the housing company, and they might say yes sometimes.

A non-profit invoice for donation is a document that outlines the details of a donation made to a non-profit organization. It typically includes the organization's name, address, donation amount, date of donation, and any specific instructions for how the donation should be used.

No, you do not need to have an LLC to open a business bank account. You can open a business bank account as a sole proprietor or under a different business structure.

The best place near you to sell gold would be a reputable jewelry store, pawn shop, or gold buyer. It's important to compare offers from different places to get the best price for your gold.

Yes, in my experience, most home equity loans do follow an installment structure with terms between 5 to 15 years. When I was exploring options, I found Best Rate Check incredibly helpful in comparing online installment loans side by side. Their clear breakdown of terms and repayment plans made it easier to understand long-term borrowing. I’d recommend them to anyone unsure about loan durations or looking for flexible online options.

When determining rent to charge your children, consider factors such as their age, income, and contribution to household expenses. A fair approach might be to charge a nominal amount that covers utilities and groceries, or a percentage of their income if they are working. This can teach them financial responsibility while still providing support. Ultimately, the goal is to strike a balance between fostering independence and maintaining a supportive family environment.

There are several types of consumer loans available, including personal loans, auto loans, home improvement loans, and credit card refinancing. For those looking to borrow smartly, securing the best personal loan rates is essential to avoid high interest costs. Platforms like Best Rate Check help users compare top lenders and loan types easily, making it simpler to choose the most affordable option for your needs.

Yes, getting a credit card after 7 years of bad credit is possible.

Most negative items, like missed payments or accounts in collections, usually drop off your credit report after 7 years. This can help improve your credit score and increase your chances of being approved for a credit card again.

What you can do:

• Apply for a secured credit card if you're not eligible for a regular one.
• Make all your payments on time going forward.
• Keep your credit usage low to show responsible behavior.

Use tools like PFScores to track your credit score and see how your actions are helping you rebuild.

Hiring a home loan lawyer can provide benefits such as legal expertise in navigating complex loan agreements, protection of your rights in case of disputes with lenders, and assistance in negotiating better loan terms.

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I'm not sure you are going to find that in this current economy. However if you have bad credit there is a bank that will help you improve your credit and I know people that have got approved with a credit score of 400. It's First Premier Bank Credit Card.

To access your IRS account without using ID.me for login, you can create an account on the IRS website and use the traditional login method with your username and password.

To become your own real estate agent, you need to obtain a real estate license, which typically involves completing a certain number of education hours, passing an exam, and meeting other state-specific requirements. Additionally, you will need to establish a business entity, market your services, and comply with all legal and ethical standards in real estate transactions.

To become certified in real estate, you typically need to complete a pre-licensing course, pass a licensing exam, and meet other state-specific requirements. After obtaining your license, you may choose to pursue additional certifications or designations to further enhance your skills and credibility in the real estate industry.

To become a real estate closer, you typically need to have a strong understanding of real estate transactions, excellent communication skills, attention to detail, and the ability to work well under pressure. You may also need to complete relevant training or certification programs. Networking with professionals in the real estate industry can also help you gain experience and opportunities in this field.