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2. This Texas couple has $136K in ‘bad debt’ with an 18% ...

   www.aol.com/finance/texas-couple-136k-bad-debt...

   There’s a growing wave of consumer debt — to the tune of $17.1 trillion — spreading across America, and one Texas couple is right in the thick of it. San Antonio-based teachers, Lily, 33 ...

3. Peer-to-peer lending - Wikipedia

   en.wikipedia.org/wiki/Peer-to-peer_lending

   Other forms of peer-to-peer lending include student loans, commercial and real estate loans, payday loans, as well as secured business loans, leasing, and factoring. [ 8 ] The interest rates can be set by lenders who compete for the lowest rate on the reverse auction model or fixed by the intermediary company on the basis of an analysis of the ...

4. Choosing a debt consolidation lender: How to find the best

   www.aol.com/finance/choosing-debt-consolidation...

   Debt consolidation loan interest rates. A debt consolidation loan can provide a lower interest rate than most credit cards. According to Bankrate data, the average personal loan currently has an ...

5. Should you cosign a loan for your child or a loved one? A ...

   www.aol.com/finance/pros-cons-cosigning-loan...

   Benefits of cosigning. Drawbacks of cosigning. You can help a loved one qualify for a loan. You assume full liability for payments and late fees if the main borrower falls behind or files bankruptcy

6. Equal Credit Opportunity Act - Wikipedia

   en.wikipedia.org/wiki/Equal_Credit_Opportunity_Act

   The Equal Credit Opportunity Act (ECOA) is a United States law (codified at 15 U.S.C. § 1691 et seq.), enacted October 28, 1974, [1] that makes it unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction, on the basis of race, color, religion, national origin, sex, marital status, or age (provided the applicant has the capacity to ...

7. Usury - Wikipedia

   en.wikipedia.org/wiki/Usury

   Default interest on late payments may be charged at up to 1.46 times the ordinary maximum (i.e., 21.9% to 29.2%), while pawn shops may charge interest of up to 9% per month (i.e., 108% per year, however, if the loan extends more than the normal short-term pawn shop loan, the 9% per month rate compounded can make the annual rate in excess of 180 ...

8. Loan - Wikipedia

   en.wikipedia.org/wiki/Loan

   The most typical loan payment type is the fully amortizing payment in which each monthly rate has the same value over time. [7] The fixed monthly payment P for a loan of L for n months and a monthly interest rate c is: = (+) (+)

9. Guide to first-time homebuyer loans and programs - AOL

   www.aol.com/finance/guide-first-time-homebuyer...

   Low-down payment conventional loans: Conventional loan programs that require just 3 percent down Down payment assistance (DPA) programs: Loans, grants and matching programs to help you with your ...