5 crucial situations that warrant the need for a DUI Lawyer

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Nobody ever plans on driving while drunk. However, most people happen to drive even after they have consumed excessive amounts of alcohol. If you are convicted of a DUI, you may need the services of an attorney to help you out. However, this will depend on the severity of your case and the charges that you are facing. Read on to know when it is appropriate for you to hire a DWI lawyer.

If you are innocent

You should hire an attorney if you are innocent of the charges against you. This is important especially if you failed the breath test or the sobriety test. You should not try to argue out about your innocence on your own. Seeking the help of a legal counsel will help you to win the case. You do not want to be sentenced or penalized for something that you have not committed.

You lack legal knowledge

The legal system is quite complex for most ordinary citizens. Therefore, if you are facing DUI charges and do not understand the laws governing it, it is advisable that you get a legal representative. Most people tend to be overwhelmed and confused when they are arrested for DUI charges. You can choose to hire a lawyer or work with the public defender. Make sure that you do not represent yourself during your court hearings to avoid stern higher bails, alcohol monitoring, pre-trial supervision or extensive sentences.

DMV issues

You will need a DUI lawyer at Hurwitz Law Group if you have a criminal case and a case with the department of motor vehicles. If you do not handle your DMV case, you may end up losing your driving license even after winning the DUI case. The case with the department of motor vehicles is different from the DUI, as it is governed by distinct regulations and statutes. Therefore, you will need a DUI lawyer to save your driving license.

Additional charges

If you have additional charges that may result in a longer sentence, for instance, repeat offense, damages, property, injuries or endangering a child, then you will be aggravating your case. A lawyer will assist you in mitigating some of these issues. However, in most states, these additional mistakes have mandatory penalties particularly for individuals who have repeated cases of DWI.

How a lawyer can help you

A lawyer will ensure that you are prepared enough to go to the courts. Your legal representative will also complete all the requirements needed for your court appearance. The lawyer will also ensure that you complete treatment or educational program necessitated for the State for you to regain driving privileges.

The decision to work with a lawyer for your case will depend on your financial situation, personal case, the state you reside in and your ability to represent yourself and professionally handle the entire process without help. It is important for you to analyze your current situation and determine whether you need a legal representative. Most lawyers will offer free initial consultations for their clients and this makes it easy for clients to talk to an attorney.

 

A boon to meet unexpected emergencies

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If you are looking for loans to meet your unexpected expenses, then no other option can be better than payday loan. There are different types of loans offered by banks and financial institutions. But, they are normally beyond affordability because of the high interest amount. If you are looking for emergency money just to manage the two days left for your paycheck arrival, then payday loan is the best. This option is indeed available for serviceman ageing between 45-55 years.

What is payday loan?

Payday loan can be said as a fiscal sum that is awarded to the applicant by respected lenders between the paychecks. Generally, for this kind of loan the cash amount given is somewhere around $100 – $1500. This loan is given for short-term basis and you need to repay it on your next paycheck date. The best part of this loan is that the interest part is quite low and there is no hassle of paperwork and documents. You can apply for Instant loans and get the amount within the next 24 hours. You will get the amount in your bank account, not directly in hand. So, it is important that you have a working account with the bank.

Short term – Instant – Easy to get Loan facility

Unexpected emergencies are unavoidable and harsh realities cannot be avoided. It becomes difficult to get loan from banks if you have a bad credit history. If you do not have any recommendations or credit, then getting long-term loan is simply not possible. For short-term financial aid, payday loan is just a great choice. You can reduce the financial stress immediately at that moment and repay lender within the next payday.

Select an authenticate payday loan company

There are hundreds of companies that are ready to provide you with payday loan. You just need to ensure that the company is secured and authenticate. There are many fraudulent firms that try to suck money from applicants in the name of processing fees, transaction fees etc. So, do not fall into the clutches of these greedy money lenders. Just search online and read the reviews and comments of people before finally making the choice.

Advantages with payday loan

This loan is just a fiscal sum that is given to the applicants between paychecks and there are many lenders who can provide you with a second chance. In fact, you can directly approach the financial institutions you’re your successful financial management plan. Payday loan can help you to get rid of the filing of documents, which is necessary when you take loans. In fact, there is no need to wait for a week or month to process the payment. You can get immediately no sooner than you make the application.

4 Reasons You Should Be Using Finance Apps

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If you are struggling with multiple loans you appreciate how tough this can get. Most household owners in the US are trying to clear credit card debt, auto loans, student loans and many other bills. Eventually, most end up defaulting which ruins their credit rating meaning they can’t access more credit. If you have tried talking to your bank or credit union for a loan to no avail, it is highly likely you have been listed as a risk borrower.

In essence, managing your finances when you are faced with multiple debts can get precarious. This is where financial apps come in handy. While the manual budgeting process still applies, in most cases you can now leverage modern technology to get things done in the simplest way possible. Here are some of the advantages you will enjoy:

  1. Convenience

Forget about bank visits and tedious bank exchanges via email. With a mobile app you already have all the information you need about your finances. You are able to track your finances and this means you are better off financially. With more information about your money you can make better decisions and you do this from the comfort of your home.

  1. Real Time Budgeting

If you are already indebt, it is highly likely you don’t have much information about your finances. If you are getting real time financial information you are better off because you can make timely decisions. If there is a bill that is due, you receive it immediately via an alert on your financial app and you can then sort it. You always have all the information you need with you any time of day or night. The more financial information you have the better the financial decisions you make.

  1. Money Saving

If you are about to use your credit card, how about confirming, if you can get a better deal? If you are comparing deals your financial app comes in handy to guarantee you get the best deal. There are so many deals online and comparing all of them can get tricky. With a financial app you have all the information you need to make the right decisions. You can get better deals using your financial app for comparable deals in your target category.

  1. Financial Security

When last did you check your bank balance? Most likely, you assume everything is okay and of course you belong to a big bank so nothing can go wrong. Well, you will be surprised to find millions of customers who are undergoing financial turmoil due to recklessness of a worker. The Wells Fargo case is enough to show you how vulnerable a back customer is. With a financial app you are able to track your fiancés and if there is anything suspicious you will get immediate alerts to ensure you act fast.

There are so many advantages of using mobile money apps but the convenience and money saving aspect are the major ones. You have more control over your finances and this is what every consumer wants.

Importance of Business Technology and Cyber Security

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Technology plays a vital role in different types of businesses. Business owners continue to lean towards technology because it facilitates innovation. In order for a modern business to be sustainable, technology is indispensable. It would be difficult for industries to thrive without ongoing technological advancements that a range of business transactions and operations require.

Business and Technology

Business technology has resulted in extensive growth in the commercial and trade sector. The revolution of business concepts has been attributed to technology, which has provided new and enhanced approaches to the way people handle business.

Technology gives an efficient, convenient and faster way to carry out transactions. Aspects of technology include a variety of both simple and complex tools that are used for accounting, management, sales and other areas of business. Many people would be unable to do everything manually without the input of technology, including basics such as calculators.

Technological Support

Levels of productivity rise due to automated processes. These processes consume fewer resources and create room for the production of better goods as well as customers enjoying faster services. Technology makes it easier to store information and reduce the vulnerability of sensitive or confidential information. Information is accessible and can be analyzed to keep track of trends and make projections, which are vital for making business decisions.

Global Link

Business is a complex combination of processes that involve aspects such as communication and different fields. Technology pushes business beyond boundaries with globalization making it possible for people to do business everywhere without being confined to their locations. Technology enables companies to access a global market and expand their reach. The internet is a popular marketing tool that can be used to attract more consumers. Read about debt settlement here.

Cyber Security

Technology needs to be utilized responsibly to avoid the technological threats that business faces. Enjoying the benefits of technology involves being aware of these threats and malicious activities that can disrupt your business operations.

The world continues to be linked through a network that needs to be protected. Ongoing breaches have raised fears of hacking and various malicious attacks potentially jeopardizing the economy. Several companies acknowledge the fact that they are inadequately prepared to deal with cyber attacks. Cyber crime compromises systems and costs businesses significant amounts of money annually.

 

Consequences of Security Breaches

Cyber attacks can be categorized as sabotage and data security breaches. Key targets include personal data, trade secrets and intellectual property. Along with the commercial losses that are associated with cyber crime, it also exposes companies to adverse consequences such as legal action, claims of negligence, loss of credibility and the inability to fulfill obligations.

Dealing with Cyber Risk

Responding effectively to cyber attacks involves being aware of regulations, law enforcement and a global approach since cyber criminals function beyond borders. The growth of cyber crime is driven by an ongoing increase in the services that are provided online and cyber criminals using sophisticated tactics to counter security experts.

Security is priority for systems that handle confidential data and applications that gather and analyze large amounts of information. Business owners need to be informed about cyber security and the risks that exist as well as determining what should be done to overcome them.  Identifying security risks makes it possible to deal with them more effectively.

Business Debt Settlement- Debt Relief for Small Businesses

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There are several small businesses in the region that play a key role in sustaining the economy. Businesses employ numerous people and make it possible for a significant percentage of the population to get jobs and fulfill their obligations.

Debt Settlement for Businesses

    • Developing successful business ventures typically involves incurring debt. Many entrepreneurs end up in debt when they use unsecured loans such as bank loans to raise startup capital. Small businesses are able to thrive for varying periods of time ranging from two to 15 years and more.
    • In some cases there may uncontrollable circumstances such as legal challenges, regulatory changes and the economy that adversely affect your business and make it necessary for you to adapt, change direction or even quit. These are understandable situations and debt relief specialists have enabled several entrepreneurs to overcome the challenges that are associated with business debt.
    • You can consult a professional who will set up an initial consultation to discuss your situation, debt and financial problems with the aim of coming up with an effective solution. This is an important step towards easing your debt burden and giving you more time to focus on business matters or other aspects of your life while your debts are negotiated.

Seeking Professional Assistance

  • When business debt is overlooked, it can quickly become difficult to handle. Ignoring your debt as it accumulates guarantees that your hard work and effort will be fruitless along with the risk of bankruptcy. Click here for Creditors Relief.
  • Dealing with your creditors and suppliers proactively usually requires a lot of time that can disrupt your business operations and funds. Experts can assist and give you a way out through solutions that will advance your business and stabilize it.
  • Although company that is already burdened by debt and ongoing financial challenges may be reluctant about hiring professionals, the reality is that this is one of the best ways to restore financial well-being. Instead of facing the devastating effects of bankruptcy, debt settlement will restructure your finances, empower your company and preserve your brand’s image and crucial relationships.

Fast and Affordable

The debt settlement process is handled skillfully, quickly and affordably. This is the ideal option for any business that seeks to turn its debt around within a relatively short period of time while negotiating debt pay offs at much lower monthly rates.

Allowing entrepreneurs to hand over their debt to experts helps them to access more funding and focus on their business growth. Options are available for business owners who want to avoid bankruptcy. Getting in touch with a reputable debt settlement company gives you the chance to schedule a meeting with experts, consult and find out the debt settlement solutions that are available for your specified needs.

Conclusion

A business that closes may have a considerable amount of debt with money owed to various entities ranging from landlords to private lenders. After letting creditors know that you are closing down your business, you need to have plans in place to fully pay these bills, settle them for lower payment or think about filing bankruptcy. Disregarding debt and hoping that creditors will move on is an approach that is likely to result in several years of dealing with collections agencies and lawsuits.

Why You Need to Hire a Personal Injury Attorney

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Have you ever suffered an injury that was caused by someone else’s negligence? Then you know how important a personal injury attorney is. As we all know, it is natural for someone who has suffered an injury that was absolutely not their fault to ask for compensation.

However, there are some unfortunate occurrences where the injured person is denied his or her rightful compensation. In fact, some insurance companies do this deliberately because they have the notion that not every person understands the legalities surrounding compensation. With that said, there are enough reasons as to why you need a personal injury lawyer in case of an accident.

Below are important reasons why you need to hire a personal injury lawyer:

  • Of all personal injury cases, a motor car accident is the toughest one to handle. In addition to suffering the pain from the accident, the injured person might have to go through a whirlwind before getting their compensation. If you do not have a personal injury attorney, you may not know that with a medical insurance, you are eligible for compensation for all medical costs incurred in the course of treatment.
  • In case the insurance company is reluctant to pay your compensation, your personal injury attorney will stand in on your behalf and ensure that you get full reimbursement for all the expenses incurred including treatment and/or rehabilitation.
  • Did you know that insurance companies can take advantage of the injured people, especially when they are not well informed about insurance? Always remember that a person who is not informed can be easily misguided. Therefore, you must hire a personal injury lawyer to ensure that the insurance companies do not underpay you.
  • Anyone who is known as Mr. Personal Injury Lawyer will see to it that your case is not settled out of court. What most insurance companies opt for is to compensate the injured persons without involving a lawyer because the compensation amounts can be altered. And because it is not your intention to be in the state you are in, you automatically deserve your compensation in full, hence the need for an attorney.
  • Before getting your hands on compensation, you might have to face a lot of frustrations and delays, and the saddest part is that you might end up getting a lower settlement amount than what you deserve.

Bottom-line is, with the services of a professional personal injury lawyer, you can be sure no one will intimidate if you suffered injuries that are entirely someone else’s fault.

However, before hiring a lawyer, carry out your research. Ensure that you hire someone who is knowledgeable about the legalities at hand; someone who is professionally trained and someone who has an excellent track record. A well-qualified personal injury lawyer will keep the insurance companies at bay and help you get what you are entitled to.

In conclusion, as the victim, you must ensure that you remain truthful to your lawyer. Also ensure that you do not give any statements to the authorities without your lawyer’s presence.

Understanding the Function of Law in the World of Business Today

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Entrepreneurs are known to be specialists in certain industries and they seem to have the skill, expertise and sound knowledge in specific industries. However, some business decisions would be necessitating professional expertise and knowledge outside the core market of any business like law and finance.  It is mandatory for small businesses to comply with all existing rules and regulations that are applicable to the large organizations. So, it is important for small companies to hire the services of an expert and experienced business attorney at times who could share his legal expertise in providing effective legal solutions. Law is undoubtedly a pretty broad and extensive discipline with numerous fields which serve crucial functions in business.

The business law would be including a complicated network of federal, state and even municipal statutes. These laws would be functioning together for ensuring fairness and predictability. They would be encouraging competition through protection of property rights. Irrespective of what a business transaction involves, the law would surely be providing a way for everybody to realize their responsibilities and obligations.

Taxation

Businesses require paying taxes on their income and there exists a tax law that would be determining how businesses would be paying taxes to the federal or the state government. Businesses are allowed by the Internal Revenue Service to choose a business structure that would be affecting taxation. Some of the common types of businesses are a sole proprietorship or single owner operations and partnerships or multi-owner businesses and corporations that are large businesses owned jointly by a group comprising stock shareholders. Owners of partnerships and sole proprietorships would be reporting business earnings on their distinct income tax returns. Corporations, on the other hand, are regarded as tax entities which are actually, separate from the company owners. Get in touch with an expert business lawyer if you have any taxation issue.

Competition

Antitrust law has been designed for promoting business competition simply by restricting anti-competitive behavior like monopolization and price fixing. Competition obviously is regarded healthy for any economy and it is welcomed because it results in improved products and services including fairer prices. The fact is that the government could be potentially preventing establishments from merging or compelling enterprises to consider splitting into diverse divisions for promoting competition.

Contract Law

Contract law is an extensive field which would be efficiently governing the conduct of organizations in certain specific areas including assignment of drafts, contract drafting, a delegation of duties, transactions, conditions to any contract, breach, including remedies. The UCC or the Uniform Commercial Code is a crucial part of contract law which would be governing the actual sale of goods.

The law that governs the contracts makes each party involved in the contract, to realize and fully understand their role and what expectations need to be fulfilled by them. Moreover, they would be made aware of the fact that in case any issues crop up, there surely would be a legal recourse or a remedy. Apart from the sales agreements, the non-disclosure agreements and also the non-competition agreements would be within the purview of contract law.

Intellectual Property

Intellectual property implies creations of your mind such as literature, art, company logos and the inventions. Intellectual property law would be granting adequate legal protection to all the creators responsible for different kinds of intellectual property that would be giving the creators their right to profit and take suitable legal action against anyone who has copied their work without taking any permission. Intellectual property law is very effective and protects the intellectual property of an organization from being stolen by their competitors. The competitors would be penalized if they are found guilty of stealing the ideas or using them. This sort of intellectual property law is a protection that inspires businesses to carry on with their innovations.

Conclusion

According to the kind of business you are involved in, there would be numerous other laws that are relevant to a specific business. For instance, municipal health codes would be applicable to any sale of food. The transportation of dangerous chemicals that are used in a number of businesses would be governed effectively by the Federal Department of Transportation codes. There exist tax codes that determine if you are charging tax on your products and if so, would you be taxed on that ground? Moreover, the workers in any business are protected by the Federal Occupation and Safety Laws.

How to Calculate the Value of a Debt Consolidation Loan

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By taking your multiple business debts and leaving you with a single loan to repay monthly, debt consolidation prove to be the best way of dealing with the heavy financial burden. You’ve probably read all about the lowered monthly repayments and how you can make savings from consolidation. But, how do you do the math to measure the eligibility of consolidation? Which elements should you factor into your calculations?

The outstanding debt

This is the actual amount owed to creditors. You may find that your business has many creditors but unless you list these creditors down and the amount you owe each of them, you will be in the dark. That is also a business process that is often referred to as a ‘bad financial decision’. You need to know the principal amount owed plus the interest and the premium and any penalties.

How do you calculate this total amount?

This must be your first step in consolidation. When you took up the loan from the lender, you must have agreed to repay the loan plus interest regularly over a period of time, right? Since the regular and serial payments guarantee to repay the loan in full over the agreed term, the Present Value of the payments should be equal to the value of the loan. For example, if your business takes a $100,000 loan, at an interest rate of 6% for 4 years, then agrees to repay in 28,859.15 monthly, the present value (PV) of the loan installments is equal to the total amount of the loan.

PV= periodic loan payment (pmt) x )1-1/(1+ i)n) / i

PV= 28,859.15 X (1 – 1/ (1+ 6%)4) / 6%    = 100,000

Outstanding loan balance = PV of remaining loan installments. This is information that makes it possible for you to calculate the outstanding loan amount at a particular point in time.

I.e. Loan balance = Loan amount + Interest – Installment (100000+100000x 6% – 28,859.15) = 77140.85.

If you are a business in Las Vegas and planning to get a debt consolidation loan, then note that these calculations are applicable to you. If you feel stuck, which you shouldn’t, contact a debt consolidation professional or a banker. Las Vegas has a big number of A-Listed professional bankers, debt consolidation agents, and business finance manager who will be at hand to take you through this.

Prepayment penalties

Do you know why online consolidating companies put emphasis on the fact that you have to read the fine print? It is because of expenses like prepayment penalties. This is the amount you have to pay if you pay off the loan before the maturity date. Other companies don’t have this fee, but reading the fine print and knowing exactly how much you have to incur will bring perspective. If there, add it to the current total outstanding loan.

Final calculation

Once you have the above values, make a final tally and include prepayment charges and any other transaction fees.

Calculate and compare APRs

Two dissimilar loans may look similar because of factors like loan terms, interest rates, interest calculation, and amortization techniques. However, before closing a deal, check the APR and the interest rates because these always vary. At the same time, the real APR may be higher than the APR given. So, use the general APR calculator and get values for the loans. Comparison leads you to the best deals.

Prepare the amortization schedule

This gives you exact amortization values for your debt to guide you into your new monthly repayment amounts.

Conclusion

That is it – a simplification of the debt consolidation calculation. Only take up a loan if you will save some money and if the deal is the best for your business. Once you have the finer details of the number, apply for the loan, pay the creditors, and track your repayments.

Striking the Right Balance between Parenting, Work and Finance

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Parenting and pursuing a professional career requires effort, time and commitment. If you are employed, raising your children and managing other priorities, it may be difficult to keep up with many obligations. Careful planning makes it possible to integrate your roles and strike a balance between different aspects of your life.

Time Management Tips

  • An important step is time management, which determines how much time you dedicate to your family and career. Maintain a calendar that covers your priorities and helps you make plans while considering both your family and career schedules.
  • Try to be consistent with your routine every day. When children are aware of your expectations, it becomes easier for them to fulfill their tasks without constant supervision, which saves time and eases stress when you have a lot to do.
  • Prepare for your mornings in advance by picking the outfits for the following day as well as packing backpacks and lunches. This will help you avoid any confusionor debate in the morning regarding what to wear or pack.
  • Maximize on the early hours of your day when your children are still asleep. You can use this personal time to have a relaxing shower, read and enjoy a warm beverage or exercise.
  • Find out if you can work from home during the week to give you more time with the children or to carry out some chores.
  • Make an effort to become more actively involved in your child’s schoolwork. Help children with homework to boost academic performance and spend more quality time together. Use your free time to attend functions at school such as sporting events and performances that your children are participating in.

Children’s Caregivers

If you have a childcare provider, establish a relationship that will enable you to keep track of your child’s wellbeing while you are away. Choose caregivers who share your childcare principles, philosophies and standards. Communicate regularly about your child’s behavior and work closely with the caregiver to identify effective ways to deal with any behavioral concerns that you may have.

Finance- Hiring Debt Consolidation Companies

Although parents would be happier to use cash to pay for things, most people do not have access to huge sums of money. From mortgage payments to credit card debt, you need to have a practical plan that will enable you to pay off your debts if you are dealing with different loans at the same time.

Debt consolidation is generally defined as the process of replacing numerous loans with one loan, usually with reduced monthly payments. These types of loans also typically provide a longer period for repayment. Opting for consolidation means that you will end up with one creditor. You can hire the services of a company that will contact your creditors on your behalf and conduct negotiations.

Debt consolidation specialists will handle your loan and work towards lower interest rates as well as other benefits such as reducing or eliminating late fees. If you have been dealing with credit problems previously, working with debt relief companies can help you avoid being hassled by creditors when your debt consolidator takes over.

6 Useful Terms to Know for Taking Student Loans

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Do you want to opt for a student loan? If your answer is yes, you must make a study of the common terms used in the procedure. Otherwise, you may fall prey to the deceitful practices of some of the unethical people in the field.

Let us take a look at some such terms.

# Academic Years

This describes the academic work you are expected to complete every year and the time you are supposed to complete, as per the policies of your school or college, as well as the educational programs you enroll in.

 

 

Half years do not include the summer sessions and usually, fall within a year’s (12-month) span. For those schools that come, with a year-round program; a 9-month span forms the academic year.

# Adjusted Gross Income (AGI)

When the collective salary of your family’s and your salaries, wages, dividends, interest, etc., is deducted from income, it is called the Adjusted Gross Income (AGI). The income is shown on a federal income tax return.

# Adverse Credit History

The gist of your financial aptitude, which comprises of your capability to repay loans in the future and your bill paying records, is referred to as the adverse credit history. In order to make sure that you are eligible for a PLUS loan, you need to get rid of your negative credit history. If you say yes for any of the below-mentioned conditions, you may have an adverse record.

  • You surrender your personal property for avoiding repossession in the last 5 years
  • Bankruptcy discharge in the previous 5 years
  • Foreclosure in the past 5 years
  • Foreclosure processes have begun
  • Collateral repossession in the past 5 years
  • Passing on your actual property (if it is under a mortgage by deed) to your lender for getting rid of foreclosure (deed in exchange of foreclosure)
  • Collection accounts not paid
  • Account is illegal for the last 90 days
  • Wage garnishment in the past 5 years
  • Federal student loans are written off/charged off
  • Contract or lease ended by default
  • Loan defaulting, in spite of claim being paid
  • State/ County/ Federal tax lien in the last 5 years

# Award Amount

The award amount is basically the financial aid that a school should pay, as per the student’s loan eligibility & current grant, EFC (Expected Family Contribution), enrollment and the cost of attendance of the school.

If you wish to know how much award amount you ought to get, you may visit http://libertylending.com/ or call the experts to know about the details.

# Award Year

The year at school when a candidate receives financial support for education is the award year. In most cases, this occurs on 1st July for a 1 year (12 months) period and lasts until 30th June of the next year.

# Capitalization

When the unpaid interest is added to the principal loan balance, it is known as capitalization. It happens when you cannot pay the interest due to still being in school, deferment, the grace period or forbearance. As a result of capitalization, the total repayment amount increases.

An idea of the aforementioned terms can help you gain an insight into the student loan procedure. They will also help in protecting you from immoral loan providers.