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total loan cost

Your total loan cost is the amount you end up paying, in total, to borrow money. It’s more than just the interest rate (the APR or nominal interest rate) because it also includes other fees and costs like origination fees, late fees, application fees, and penalty fees. To reduce your total loan cost, you need …

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student vs scholarship

The terms student loan and scholarship are often used interchangeably, but they are actually two very different things. A student loan is money borrowed from an institution (such as a bank or the government) that you need to pay back at an interest rate after graduation. Scholarships, on the other hand, are funds provided by …

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loan estimate

When you are shopping around for a loan, you will typically be presented with an itemized list of your loan estimate, called by different names depending on the lender. A lot of people have no idea what all these items mean, so we’re going to break it down and explain each one in detail below. …

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nft stocks

What are NFT stocks? Well, if you don’t know what these are, it’s time to learn! Stocks are widely known as one of the best ways to invest in companies and their products, with NFT stocks being no exception to this rule. While it’s true that not all NFT stocks are created equal, they have …

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forgivable loan

What Is a Forgivable Loan? A forgivable loan, also known as an equity-based loan, has certain terms under which the lender will forgive some of the debt if certain conditions are met by the borrower. These conditions are usually related to the performance or value of the collateral used to secure the loan. Because they’re …

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