Every year we review all the student accounts available in Ireland and give our opinion on which one is the best. We look at loans, overdrafts, credit cards, features and the freebies that banks use to sign up students.

College is an exciting time in anyone’s life. Of course, there is a natural predilection for boosting your social life, but there is so much more to consider. Accommodation, for one, is going to be an awful headache, especially these days. Learning to cook, clean, share responsibilities, learning to live with strangers. it’s all a lot to take in.

So the last thing you want to do is put a couple of hours into researching the best current account options. But don’t worry, because we did it for you, so let’s get to it! But first.

Before we get into it

Lots of businesses love freshers – and they’re happy to give out freebies galore because they know that if they get students interested now, they could keep them as customers well after they finish college.

This is especially true when it comes to banks because they know that most students who sign up now will become customers for life! This is no understatement – despite the fact that the switching process is relatively straightforward, the percentage of customers who switch current accounts remains incredibly low at less than 0.10% a year.

Banks also know that graduates are very profitable customers indeed because they earn more, pay fees, and eventually take out mortgages and loans.

Consequently, the banks send hordes of reps with clipboards to the gates of campuses across the country at this time of year with the mission to sign up students using any means necessary. They’ll offer you all manner of incentives and by all means, sign up to the bank offering you the best goodies, just don’t forget that you can and should switch banks if and when those benefits come to an end when you finish up in college.Continue reading→

There are ways to minimize the financial damage caused by a period of unemployment, but you need to be proactive.

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Being unemployed and in debt is never easy. What can become too easy is avoiding or ignoring the situation at hand. But don’t fall into that hole because it will only make matters worse. Instead, you need to take steps to help minimize any financial fallout so that you can recover as quickly as possible once you secure new employment. There are a few ways you https://badcreditloanshelp.net/payday-loans-la/ can ensure your finances can quickly see the light of day again.

Step 1: Apply for federal student loan deferment and CNC tax status

Government-issued debts often have built-in solutions for people who temporarily can’t afford to pay. They essentially offer ways to stop or avoid collection actions on things like federal student loans and IRS back taxes. This will help minimize the issues you’ll face with these types of debt.

Federal student loan deferment

Deferment allows you to temporarily stop the monthly payments on federal student loans without facing penalties. This will keep your loans out of default as you work to secure another job. If you have unsubsidized student loans, interest charges will continue to accrue during deferment, so your balances will be higher when you get back to making payments. However, if you have subsidized student loans, the government will pay those interest charges for you.

Currently not collectible (CNC) status for tax debt

If you owe back taxes to the IRS, there’s a status that you can file for during a period of unemployment called Currently Not Collectible (CNC).Continue reading→

Submit a simple and easy straightforward loan application setting. No additional records, financial comments, otherwise experience required – it just takes a few minutes.

The job is approved by among 150+ trustworthy loan providers – easily and you can properly. The brand new acceptance does not take very long, therefore keep in touch.

Get the contribution you want to your bank account. This new transfer arise towards the 2nd business day immediately after the application is acknowledged.

Financial difficulties, financial overdraft, urgent requirement for cash, unforeseen can cost you, fee out of taxation …Continue reading→