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: March 20, 2019

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:
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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.

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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

Student Loan Advice For The Modern College Student

Always be aware of what all the requirements are for any student loan you take out. You must watch your balance, keep track of the lender, and monitor your repayment progress. These facts will determine your loan repayment and forgiveness options. This will allow you to budget effectively.

A college education is often a necessity for the life you go further in life. Read on to make sure you can understand how to qualify for a college!

Always keep in touch with all of your lenders. Keep them updated on any change of personal information. Also, be sure you immediately read any kind of mail you get from a lender, whether it’s electronic or paper. Take whatever actions are necessary as soon as you can. If you miss any piece of information, you may end up spending more money.

TIP! Stay in contact with all lenders. Let them know if your number, email or address changes, all of which occur frequently during college years.

Always be aware of specific loan you take out. You need to know how much you owe, what the terms are and the name of your lending institution. These three things will affect your repayment options. This is must-have information if you to budget wisely.

To pay down your student loans effectively, focus on the one that has the highest interest rate. If your payment is based on what loans are the highest or lowest, there’s a chance you’ll be owing more at the end.

TIP! If you’re considering repaying any student loan ahead of time, focus on those with the largest interest. If you focus on balances instead, you might neglect how much interest you accrue over time, still costing you money.

Don’t fret when extenuating circumstances prevent you from making a student loan off because you don’t have a job or something bad has happened to you. Most lenders have options for letting you put off payments if you lose your job. Just be aware that doing so may cause interest rates rise.

Be mindful of the exact length of your grace period between graduation and having to start loan repayments. If you have Stafford loans, you will usually have about 6 months. For Perkins loans, the grace period is nine months. Make sure to contact your loan provider to determine the grace period. Be sure you know exactly when you will be expected to begin paying, and don’t be late!

TIP! Know how much time your grace period is between graduating and when you need to start paying back loans. For Stafford loans, it should give you about six months.

Focus initially on paying off student loans with high interest loans. You may think to focus on the largest one but, because taking care of the lower ones could cause you to end up paying more money.

Select a payment option that works best for your situation. A lot of student loans give you ten years to pay them back. If this does not appear to be feasible, you can search for alternative options. For instance, you can possibly spread your payments over a longer period of time, but you will have higher interest. You may negotiate to pay just a set percentage of the money you begin to earn. After 20 years, some loans are completely forgiven.

Stafford loans offer loam recipients six months of grace period. Other loans may vary. Know when you are to begin paying on time.

Many obtain student loans, sign their documents, but remain clueless about what they’re signing into. If things feel unclear, it is important to get a better understanding of them right away. If you do not do this, you may end up paying more than you should for your education.

Student Loans

The Stafford and Perkins loans are the best options in federal loans. They are the safest and most economical. This is a good deal because while you are in school your interest will be paid by the government. The Perkins loan has an interest rate of 5%. On subsidized Stafford loans it is fixed at a rate no greater than 6.8%.

TIP! Perkins and Stafford are some of the best federal student loans. They are both reliable, safe and affordable.

Prioritize your loan repayment of student loans by the interest rate. The highest rate loan should be dealt with first. Using your extra cash can help you get these student loans more rapidly is a smart choice. There are no penalty for paying off a loan more quickly than expected.

If you apply for a private student loan and your credit is not that great, you are going to need someone to co-sign for you. It’s imperative that you make your payments on time. If you don’t your co-signer will be responsible for it.

TIP! If your credit isn’t the best and you are applying for a student loan, you will most likely need a co-signer. Make sure that your payments are up to date.

The prospect of having to pay a student loan payments can be hard for someone on hard budget already. There are rewards programs that may benefit you. Look at programs like SmarterBucks and LoanLink to learn about this kind of program offered by Upromise.

PLUS loans are a type of loan that is available only to parents and graduate students. They have an interest rate that is not more than 8.5 percent. This is a better rate than that of a private loan, though higher that those of Perkins or Stafford loans. This is the best option for mature students.

TIP! One form of loan that may be helpful to grad students is the PLUS loan. Their interest rate does not exceed 8.

Get the maximum bang for the buck on your student loans by taking as 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 the total of loans you must take.

Your school could have an ulterior motive for recommending you pursue your loan through particular lenders. Schools sometimes lend their name to private loan companies for a mutual benefit. This can be very misleading. The school may receive some sort of payment if you agree to go with a certain lender. Know all about a loan prior to agreeing to it.

TIP! Keep in mind that your school could have other motivations when they recommend certain lenders. Some schools allow private lenders to use the school name.

Many people will apply for their student loans without really understanding what they are signing. This is an easy way a lender to get more money than they are supposed to.

Get rid of the notion that by defaulting on a loan it will get you out of debt. The government can get back this money if they want it. For instance, it has the power to seize tax refunds as well as Social Security payments. The government also has the right to claim 15 percent of all your income. You can easily find yourself in a very bad position that will take many years to get out of and cause many headaches.

Interest Rate

To be sure that you’re able to spend your student loan money right, get your meal plan that pays by meals and not dollar amounts. That way, you won’t be overpaying for extra items in the cafeteria. You will just pay a flat fee for every meal.

TIP! You can use your student loan money more efficiently by purchasing meal plans that group meals together instead of charging dollar amounts. This way, you won’t be paying for each individual item; everything will be included for your prepaid flat fee.

Stafford and Perkins loans are two of the best loan options. These are the most affordable and affordable. This is a good deal because while you may want to consider.Interest rate on the Perkins loan will be around 5%. The subsidized Stafford loan only has an interest rate that does not exceed 6.8%.

Be sure your lender knows where you are, how to contact you and what your plans are. This is important as you will want to know all of the information on your loan and what stipulations are involved in your payback plan. You may even get some helpful advice from your lender about how to pay it back.

TIP! Talk to your lender if you want to gain insight on your loan. This is key because you need to have all the particulars with regard to the loan and the terms regarding its repayment.

PLUS student loans are a type of loan option for parents and also graduate students. They have an interest rate that is not more than 8.5%. While it may be more than other loans, it still has lower interest rates than the typical personal loan. This makes it a good option is better for more established and mature students.

Don’t panic if you find yourself facing a large student loan balance needing to be paid back. This may seem like a very large amount when you look at it, but it will be paid back gradually over a long period of time. If you diligently work and save money, you will eventually pay off your loans.

TIP! Don’t panic if you find yourself facing a large student loan balance needing to be paid back. The balance looks big, but if you stretch out payments over a long length of time, it won’t look so bad.

Remember that your school may have its own motivations for recommending certain lenders to you. Some schools allow private lenders use the school name. This is frequently not be in your best deal. The school may receive some sort of payment if you agree to go with a kickback from the lender. Make sure to understand all the subtleties of a particular loan prior to accepting it.

As soon as you think you’ll miss a payment, let your lender know. Financial institutions are more prone to make arrangements for you to stay current on your account if you communicate with them. Perhaps you will qualify for deferral or a reduction of payments.

TIP! If you think that you can’t make a payment, talk to your lender right away. By keeping the financial institution in the loop, you will be more likely to have their cooperation.

Do not think that you from your student loans to get out of paying them. The government has a lot of ways it can try to get back this money if they want it. They can take this out of your taxes or Social Security. The government even has the right to take up to fifteen percent of your income. You could end up worse off than before in some cases.

Talk to your lenders when you graduate. Make sure you get into touch with them if any of your personal information changes like your email or phone number. That way, you can be contacted as soon as possible if the lender is making any changes to your account. Inform your lender when you graduate as well.

Be sure to fill out. This is crucial because it may affect the amount of the student loan you are offered. Ask someone for help if you need it.

Rack up as many AP and dual credit classes that you can during your high school time to cut down on how much you need to borrow for college. This will mean you spend a lot less per class.

Find a job at your school to help augment the income you get from student loans. This can offset your expenses somewhat and also give you must borrow.

To keep your borrowing of student loan funds at a minimum, make sure that you take as many AP classes in high school as you can. These classes allow you to take a test to gain college credit. High scores on these tests will get you college credit.

TIP! While you are in high school, take AP classes whenever possible to decrease the amount of money you must borrow for college. At the end of each class, you’ll be tested to see if you’ve attained college competency in the subject.

Make sure you are fully aware of your repayment terms are. You should know what your options and exactly what is expected of you. You must find this before signing anything on the dotted line.

Your financial aid may be insufficient to cover all of the expenses related to your education. However, don’t jump at the first one offered to you. Shop around to find the loan with the lowest interest rate and best terms before signing the contract.

You are likely willing to work together with you so you can stay current. You may qualify for reduced payment or deferral.

Join a group that helps you organize your loan payments. It’ll help you keep tabs on payments and your overall debt. It also keep s track of lenders and helps you keep your records straight. You are also notified when any changes occur regarding your student loans.

Try to reduce your costs by taking classes and using advanced placement.

If you cannot afford to make your student loan payments, talk with your lender immediately. Many lenders will work with their borrowers if they can’t make a payment. This can help you to reduce the amount of money that you must pay.

TIP! Let your lender know as soon as you can if you will be late or unable to get a payment in. Lots of lenders have a willingness to work together with their borrowers.

Look into all the different options you have open to you as it pertains to making timely payments on your loans when they come due. Pay on time to keep your credit doesn’t suffer.If you have several student loans, you might find a consolidation plan helpful.

Ignoring your student debt will just make it grow. Trying to ignore those attempting to get their money from you will only serve to hurt you. If they see that you are willing to cooperate, you may get more favorable payment terms.

TIP! If you take a long time to deal with a student loan default, it will only make matters worse. If you ignore bill collectors, you may have issues negotiating with them.

Going to college is the dream of many, but the high tuition cost makes it hard. Now that you have solid knowledge of how student loans wok, you need not be worried about paying for school. Take this advice to heart, and use it when you apply for a student loan.

Paring down tuition costs helps you limit the amount you need to borrow and ultimately repay. Try going to a community college for a year unless you are going to a prestigious school. Even a single year at a community college can save tens of thousands of dollars. However, you must make sure the credits will transfer.

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