Terms & Conditions

We have recently updated our Terms and Conditions. Please read and accept these updated terms and conditions in order to access the iMarket Coaching community website.

Terms Last updated: February 25, 2019.

Please read these Terms of Use ("Terms", "Terms of Use") carefully before using the imarketcoaching.com website (the "Service") operated by iMarket, llc ("us", "we", or "our").

Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who access or use the Service.

By accessing or using the Service you agree to be bound by these Terms. If you disagree with any part of the terms then you may not access the Service.

Accounts



When you create an account with us, you must provide us information that is accurate, complete, and current at all times. Failure to do so constitutes a breach of the Terms, which may result in immediate termination of your account on our Service.

You are responsible for safeguarding the password that you use to access the Service and for any activities or actions under your password, whether your password is with our Service or a third-party service.

You agree not to disclose your password to any third party. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account.

Intellectual Property



The Service and its original content, features, and functionality are and will remain the exclusive property of iMarket, and its licensors.

Links To Other Web Sites



Our Service may contain links to third-party web sites or services that are not owned or controlled by iMarket, llc.

iMarket, llc has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party web sites or services. You further acknowledge and agree that iMarket, llc shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such web sites or services.

We strongly advise you to read the terms and conditions and privacy policies of any third-party web sites or services that you visit.

Termination



We may terminate or suspend access to our Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.

We may terminate or suspend your account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

Upon termination, your right to use the Service will immediately cease. If you wish to terminate your account, you may simply discontinue using the Service.

All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.

Disclaimer



Your use of the Service is at your sole risk. The Service is provided on an "AS IS" and "AS AVAILABLE" basis. The Service is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement or course of performance.

Governing Law



These Terms shall be governed and construed in accordance with the laws of United States without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service, and supersede and replace any prior agreements we might have between us regarding the Service.

Changes



We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material we will try to provide at least 15 days notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Service.

Contact Us



If you have any questions about these Terms, please contact us.

Current Version: 1.0

Previous Version Date: June 14, 2021

Privacy Policy

We recently updated our Privacy Policy. Please read and accept this updated privacy policy in order to access the iMarket Coaching community website.

Privacy Policy Last updated: February 25, 2019.

iMarket, llc ("us", "we", or "our") operates the imarketcoaching.com website (the "Service").

This page informs you of our policies regarding the collection, use and disclosure of Personal Information when you use our Service.

We will not use or share your information with anyone except as described in this Privacy Policy.

We use your Personal Information for providing and improving the Service. By using the Service, you agree to the collection and use of information in accordance with this policy. Unless otherwise defined in this Privacy Policy, terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, accessible at imarketcoaching.com.

Information Collection And Use


While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you. Personally identifiable information ("Personal Information") may include, but is not limited to:
  • Name
  • Email address
  • Telephone number
  • Address

Log Data


We collect information that your browser sends whenever you visit our Service ("Log Data"). This Log Data may include information such as your computer's Internet Protocol ("IP") address, browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages and other statistics.

Google AdSense & DoubleClick Cookie


Google, as a third party vendor, uses cookies to serve ads on our Service.

Cookies


Cookies are files with small amount of data, which may include an anonymous unique identifier. Cookies are sent to your browser from a web site and stored on your computer's hard drive.

We use "cookies" to collect information. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.

Service Providers


We may employ third party companies and individuals to facilitate our Service, to provide the Service on our behalf, to perform Service-related services or to assist us in analyzing how our Service is used.

These third parties have access to your Personal Information only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

Security


The security of your Personal Information is important to us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security.

Links To Other Sites


Our Service may contain links to other sites that are not operated by us. If you click on a third party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit.

We have no control over, and assume no responsibility for the content, privacy policies or practices of any third party sites or services.

Children's Privacy


Our Service does not address anyone under the age of 18 ("Children").

We do not knowingly collect personally identifiable information from children under 18. If you are a parent or guardian and you are aware that your child has provided us with Personal Information, please contact us. If we discover that a child under 18 has provided us with Personal Information, we will delete such information from our servers immediately.

Compliance With Laws


We will disclose your Personal Information where required to do so by law or subpoena.

Changes To This Privacy Policy


We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Contact Us


If you have any questions about this Privacy Policy, please contact us.

Current Version: 1.0

Previous Version Date: May 22, 2018

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Getting A Leg Up: Student Loans Tips

Don’t panic if you can’t make a payment due to job loss or another unfortunate event. When hardship hits, many lenders will take this into consideration and give you some leeway. Just be mindful that doing so could make your interest rates rise.

TIP! You don’t need to worry if you cannot pay for your student loans because you are unemployed. Lenders will typically provide payment postponements.

Many people today would love to a quality education but think they could possible afford it. While a college education costs thousands of dollars, you can take out a student loan to attend. Read this article to learn all about applying for one.

If you have the ability to pay more than what you owe on your loans, try to get those with the highest interest taken care of first. If you get your payments made on the loans that have the lowest or the highest, it can cost you extra in the end.

TIP! Focus initially on the high interest loans. You definitely want to pay down the ones with the highest interest rate, because taking care of the lower ones could cause you to end up paying more money.

Know the little details of your student loans. You must watch your balance, keep track of the lender, and what your repayment status is. These details are going to have a lot to do with what your loan repayment is like and forgiveness options. You need this information if you want to create a good budget.

Choose payment options that best serve you. Most loans have a 10-year repayment plan. If you don’t think that is right for you, look into other options. It is sometimes possible to extend the payment period at a higher interest rate. Your future income might become tied into making payments, that is once you begin to make more money. Some loan balances for students are let go when twenty five years have gone by.

TIP! Pick a payment plan that suits your particular needs. The average time span for repayment is approximately one decade.

Make sure you stay in close contact with the lender. Make sure they know your contact information changes. Take any necessary actions needed as soon as you can. Missing anything could make you owe a great deal of money.

Reduce the principal when you pay off the biggest loans first. It should always be a top priority to prevent the accrual of additional interest charges. Make a concerted effort to pay off all large loans more quickly. After you’ve paid off a large loan, you can transfer your payments to the second largest one. By keeping all current and paying the largest down totally first, you will more quickly rid yourself of debt.

TIP! Pay the large loans off as soon as you are able to. The less of that you owe, the less your interest will be.

Don’t be driven to fear when you have a loan payment. Unemployment and health emergencies can happen to you from time to time. There are options like forbearance and deferments available for most loans. Remember that interest accrues in a variety of ways, so it’s important to at least make the interest portion of your loan payments.

The idea of paying off a student loan every month can seem daunting for a recent grad on a tight budget. Loan rewards programs soften the blow somewhat. Look at programs like SmarterBucks and LoanLink via Upromise. As you spend money, you can get rewards that you can put toward your loan.

TIP! The thought of paying on student loans can be daunting. That can be reduced with loan rewards programs.

There are two steps to approach the process of paying off student loans. Always pay the minimum.Second, you will want to pay a little extra on the loan that has the higher interest rate, not the one with the highest balance. This will minimize the amount of total interest you spend over time.

Too often, people will accept student loans without contemplating the legal implications. It is essential that you question anything you do not clearly understand. Lenders sometimes prey on borrowers who don’t know what they are doing.

TIP! Lots of folks enter into student loans without having the foggiest idea of what they are signing on for. It is essential that you question anything you do not clearly understand.

Select a payment option that works well for your needs. Many loans offer a decade-long payment plans. There are often other options if you need a different solution. You might be able to extend the plan with higher interest rates. You also possibly have the option of paying a set percentage of your future earnings. Some balances are forgiven after a period of 25 years have passed.

If you wish to get your student loan papers read quickly, be sure that your application is filled out without errors. Any information that is incorrect or incomplete can delay it being processed, potentially causing you to miss important deadlines and putting you behind in school.

Student Loans

Stafford and Perkins loans are the most advantageous federal loans to get. They are the safest and most economical. They are an excellent deal because for the duration of your education, the government will pay your interest. The Perkins tends to run around 5%. Subsidized Stafford loans have an interest rate cap of 6.8%.

TIP! The simplest loans to obtain are the Stafford and Perkins. These are very affordable and are safe to get.

Prioritize your loan repayment schedule by the interest rate of each one. Pay off the one with the highest interest student loans first. Using the extra cash available can get these things paid off student loans faster. There will be no penalty because you have paid them off your loans early.

Applying for a private loan with substandard credit is often going to require a co-signer. It is very important that you keep up with all of your payments. When someone co-signs, they are responsible too.

TIP! If your credit is abysmal and you’re applying for a student loan, you’ll most likely need to use a co-signer. Making payment on time is very important.

Reduce your total principle by getting things paid off as quickly as possible. Focus on paying the big loans up front. Once it is gone, you can transfer the next payments to the ones that are next in line. When you apply the biggest payment to your biggest loan and make minimum payments on the other small loans, you’ll find that it is much easier to eliminate your debt.

Parents and graduate students can make use of PLUS loans. Their interest rate does not exceed 8.5%. This is a bit higher than Perkins and Stafford loans, but the rates are better for private loans. This is often a good alternative for students further along in their education.

TIP! PLUS loans are something that you should consider if graduate school is being funded. The PLUS loans have an interest rate below 8.

The prospect of monthly student loan every month can be somewhat daunting for someone on a tight budget. A good loan rewards program may help things. Look at the SmarterBucks and LoanLink to learn about this kind of program offered by Upromise.

Get rid of the notion that by defaulting on a loan it will get you out of debt. The government will often still get its money back anyway. For example, it can step in and claim a portion of your tax return or Social Security payments. The government also has the right to claim 15 percent of all your income. This can become financially devastating.

TIP! Defaulting on your loans is not an easy way out. The federal government will go after that money in many ways.

Get many credit hours each semester as you can. Full-time status is usually 9-12 hours per semester, take a few more to finish school sooner. This will reduce how much you must take.

It’s tempting to do it, but you should never make student loans the only path of paying for your schooling. Remember to save money and also look into scholarships and grants that may help you. The Internet is your friend here; you can find a lot of information on scholarships and grants that might pertain to your situation. Start searching right away to be prepared.

TIP! Do not depend entirely on student loans to finance your education. Try and save money wherever you can, looking into grants or scholarships to help with the cost.

Many people will apply for their student loans and sign paperwork without really understanding what they are signing. This is an easy way a lender may collect more payments than they are supposed to.

Double-check your application for financial aid to ensure that it is free of errors. If you do not fill it out correctly, you may not get as much money from the school. If you have any questions about filling out the application, talk to experts on financial aid from your college.

TIP! When applying for loans, be sure you provide accurate information. This is critical because the information you provide directly affects the amount of money you are offered in loans.

Keep in mind that the school could have a hidden agenda when they recommend certain lenders. Some schools let private lenders to use the school name. This is frequently not be in your best deal. The school may get some kind of a payment if you choose to go to a lender they are sponsored by. Make sure to understand all the nuances of any loan prior to accepting it.

Get a meal plan at school to make the most of your student loans. This will prevent getting charged for extras and allows you to just pay a flat price for every meal you eat.

TIP! To maximize the use of your student loan, purchase a meal plan which is based on the meal instead of how much it costs. You can prevent yourself from getting charged for dining hall extras, since you will just pay a flat fee for every meal you have.

Defaulting on your loans is not freedom from repaying it. The federal government has several collection tools at its disposal. They can take your taxes or Social Security. The government may also lay claim to 15 percent of the income you make. This will put you worse off.

Stay in contact with your lender. This is important because you may have questions down the line. You may even get helpful advice about paying back your loan.

TIP! Keep in touch when you have a lender that’s giving you money. This can help you understand how to pay back your loan efficiently.

Be sure to fill out your applications This is critical for your ability to get the maximum amount in a student loan if something is wrong. Ask someone for help if you need it.

Contact the lender if you are unable to make payments. Your lender will be much more forgiving if they know this in advance. You could qualify for a deferral or reduced payments.

TIP! If unable to keep up with payments, let the lender know right away. You will find they are likely willing to work together with you so you can stay current.

Stay in contact with the bank who loaned you money. This is essential since you need to have all the particulars with regard to the loan and stipulations within your repayment plans. Your lender may also give you tips for repayment.

Exhaust all options for paying back the loans that you take. It is very important that you make your payments on time to protect your credit rating and prevent having trouble with garnished wages. You may find it simpler to keep track of if you consolidate.

TIP! Look into ways you can pay off your loans as soon as possible. Paying back student loans on time is important if you want to have a good credit rating, and not have to worry about wages being garnished.

As stated in the above article, due the school being very expensive, it is very important that you understand how to get a student loan. It is not difficult to obtain financing for eduction when you know what to do, and the information above provides you with excellent advice. When the time comes to complete financial aid forms, keep these tips in mind.

Consider getting a federal loan before considering borrowing from a private lender. Federal loans are sought after because they have a fixed interest rate. Which allows you to budget your payments. If you know the amount of your payment, fitting the payments into your budget will be easier.

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