Samy

hexagonfinanceloanfirm@hotmail.com

best regards
Amanda fisher

If your grades are up or you have a special talent, consider scholarships too. You don’t have to pay those back either. You will have to look around at businesses near you to find out what you might qualify for. Also talk to your student advisor and they may have scholarships they know about.

You are first best to take any grant money. It’s free and doesn’t need to be paid back. Scholarships are harder to find, and not everyone qualifies, but they are also free.
Next, take the subsidized loans. These are the ones that don’t build interest while you are in school and so will cost you far less in the long run. Only take unsubsidized loans if you have to because these will cost you the most.

Also consider staying at home for a year and doing the community college or an online program through U of Ark. It will save you a fortune in financial aid. While the idea of moving out now sounds great, going through your basic courses on all these loans is going to make life a lot tougher on you for a very long time as you try to pay them off. A year of college including dorm and meals on loans can easily run you $10K per year. That’s an additional cost of $100 per month for the next 10 years for every year you spend at U of Ark.

A dependent student can borrow up to:
$5,500/freshman year
$6,500/sophomore year
$7,500/junior and senior years.

An independent student can borrow up to:
$9,500/freshman year
$10,500/sophomore year
$12,500/junior and senior years

You can fill out the dependency worksheet on the fafsa website if you’re unsure if you are an independent student or a dependent student (if you’re 23 or older you’re automatically an independent student). You will have a 6-month grace period when you graduate from school (or leave school). After that period, you will begin making monthly payments on your student loans. Most repayments are based on a 10-year period; however, there are alternative schedules as well. To qualify for a federal student loan, fill out a fafsa application and then you’ll fill out a MPN (master promissory note) with the lender of your choice (your school can help you if you need it). For private student loans (not recommended), you’ll have to apply with that lender and these loans are based on credit scores and debt-to-income ratio (you may need a cosigner who qualifies). This money is also disbursed to the school.

DIRECT MAIL:
If the stores in the center are the types of businesses that can offer a special discount or incentive to come in, you should look into doing a direct mail coupon/discount mailer that has "special savings" from each of the stores in the center. Collectively, if all the stores have an ad/coupon in the mailer, it would be a greater incentive to the customer to take advantage of discounts that are all in one shopping center. I’d mail out the mailer to 25-30k residences with in a 5 mile radius of the shopping center,

PROMOTIONAL:
- A sponsored wine, food and shopping night featuring all of your stores. Free for one night. You can make this a dress-up event or a family event depending on the type of people who shop at the center. This will be good for exposure, but it’s uncertain how much long-term business this will generate.