Student loan

A student loan is designed to help students pay for university tuition, books, and living expenses. It may differ from other types of loans in that the interest rate may be substantially lower and the repayment schedule may be deferred while the student is still in school. It also differs in many countries in the strict laws regulating renegotiating and bankruptcy.

Tertiary student places in Australia are usually funded through the HECS-HELP scheme. This funding is in the form of loans that are not normal debts. They are repaid over time via a supplementary tax, using a sliding scale based on taxable income. As a consequence, loan repayments are only made when the former student has income to support the repayments. Discounts are available for early repayment. The scheme is available to citizens and permanent humanitarian visa holders. Means-tested scholarships for living expenses are also available. Special assistance is available to indigenous students.three or more children—beginning with the third child. Strong academic performance is part of the eligibility criteria. Loans are not subject to credit approval. Loan applicants must be enrolled for undergraduate study in a postsecondary institution in Korea. Students do not qualify for this loan program if they are in a graduate school, a continuing education program through an academic credit bank system, or a school outside of Korea. Loan must be used for tuition, qualifying school fees, and other specific education-related costs, including living expenses during study. Loan payments may not exceed the student’s financial need; there is no other upper limit on the amount borrowed (loan program permits full coverage of tuition and expenses). In the case of applying loan towards both tuition/school fees and in-study living expenses, the lower limit is KRW 600,000 (at least KRW 100,000 for tuition/school fees plus at least KRW 500,000 for living expenses). Under the income contingent repayment system, a borrower does not have to pay the loan principal amount or interest until he or she has income above a certain minimum threshold level for repayment. Once the borrower’s annual income is greater than the repayment minimum threshold level, the borrower is under obligation to begin repayment.Reduced-interest loans that come from and are guaranteed by the government. Qualifying borrowers, on certain conditions, may be eligible for interest relief offered by the government. For undergraduate and graduate students of any grade level*, 

from households of any income level. Loan applicants must be enrolled for undergraduate study in a postsecondary institution in Korea. Students do not qualify for this loan program if they are in a continuing education program through an academic credit bank system or a school outside of Korea. Satisfactory academic performance is part of the eligibility criteria. Loans are subject to credit approval. Loan must be used for tuition, qualifying school fees, and other specific education-related costs, including living expenses during study. Loan payments may not exceed the student’s financial need. Depending on the type of school (i.e. undergraduate, graduate), the upper limit on the amount borrowed ranges from KRW 40 million to KRW 90 million. If applying loan towards both tuition/school fees and in-study living expenses, the lower limit is KRW 600,000 (at least KRW 100,000 for tuition/school fees plus at least KRW 500,000 for living expenses). The repayment system offers a borrower grace period of 10 years or less during which payments only need to be made towards the interest on the loan. This maximum period of time is determined by the borrower’s year in school and the remaining number of years within the standard period of the borrower’s program. After the grace period, the borrower is given up to 10 years in which to repay the loan principal amount and interest. The repayment period is dependent upon the borrower.

For undergraduate students in the 1st semester of the 1st year who apply for this loan, only credit is considered when making approvals for loans.Canadian citizens, permanent residents of Canada living in any province for over a year, and protected persons[1] are normally eligible for loans provided by the federal government, through the CSLP, in addition to loans provided by their province of residence.

Loans issued to full-time students are interest free while a student is in full-time studies. Students receiving a Canada Student Loan (CSL) for the first time on or after August 1, 1995, are eligible for up to 340 weeks (~6.5 years) of interest-free assistance. Students in doctoral programs are eligible for an additional 60 weeks, up to 400 weeks (~7.5 years). Students with permanent disabilities and students who received their first CSL prior to August 1, 1995 are eligible for up to 520 weeks of assistance.

Students Insurance

Students Insurance Pollicies in USA is very simple and gargeous  Endsleigh moved from its London headquarters to Cheltenham Spa, where it continued to recruit relatively young but fiercely ambitious staff, selected for their drive and talent, to create an organisation attractive to customers of similar age. This approach challenged the then more traditional aspects of conventional insurance marketing and administration.

In 1976 the NUS sold 100% of the company to Gouda Insurance International, as it was felt a stronger financial base was needed to fully exploit market opportunities. The NUS retained two seats on the board and in 1982 bought back a 14% shareholding. Its founder and still driving influence, Mike Naylor, died in a motor accident in July 1995. In April 2002, a management buyout, led by the Managing Director, Mike Alcock, bought out Gouda and formed a partnership with Zurich Financial Services. In January 2007 Zurich acquired 100% shareholding.

The company moved into the business market in 2000, and this combined with a 25% increase in customer base helped profits leap from £2.5m in 2000 to £8.6m in 2003. In February 2005 the 'Sunday Times PricewaterhouseCooper Profit Track 100' rated Endsleigh as the 76th fastest growing company in the UK, at 52% a year.

From 1993 to 1996, Endsleigh sponsored the English Football League. From 1988 to 1999 Endsleigh was the main shirt sponsor for Burnley F.C., with its logo appearing on the players' shirts, and it did the same for Cheltenham Town F.C. from 1997 to 1999. In the late 1990s to early 2000s, a club called Endsleigh, later known as EFC Cheltenham, played in the Hellenic Football League.

As of 1 September 2008, Endsleigh discontinued operating its local branch service (which was made up of 119 UK Branches). This was followed in early 2011 by the closure of the operations centre in Belfast, and the firm is now operated from two sales operations centres - Cheltenham Head Office, and Burnley. The Cheltenham location also manages all non-sales related areas of the business, such as Marketing, Finance, IT, and the company's subsidiary businesses dealing with financial advice and business insurance, among other interests.

Esurance Insurance Services

Esurance Insurance Services, Inc. is an American insurance company. It sells auto, home, motorcycle, and renters insurance direct to consumers online and by phone. Its primary competitors are other direct personal insurance writers, mainly GEICO and Progressive. Founded in 1999, the company was purchased by Allstate in 2011, and is now a wholly owned subsidiary of Allstate.

Esurance was founded in 1999, and became one of the first insurance companies to sell policies directly to consumers over the internet, instead of using in-person meetings or phone calls.

n 2000, Esurance was acquired by Folksamerica Holding Company, a subsidiary of White Mountains Insurance Group. Esurance, which is based out of San Francisco, had by that time expanded to offering policies in 24 states, but had also just laid off staff and was actively soliciting a purchaser

In 2004, Esurance began to offer multi-car discount packages to same-sex couples, by offering multi-car discounts to any group of people that lived together.[3] The company claims to be one of the first insurers to have offered such packages to same-sex couples. 

In May 2011, Allstate announced that it was purchasing Esurance and rate-comparison site Answer Financial for approximately $1 billion. At the time, Esurance was selling policies in 30 states and was in the midst of a five-year growth period that saw them double the number of policies in force. Allstate, for its part, was losing policy holders to the three major online policy retailers; Esurance, Progressive, and GEICO

llstate's acquisition of Esurance was completed in October of that year. The combined company became the sixth-largest provider of auto insurance policies. In September 2012, White Mountains filed a lawsuit against Allstate alleging that Allstate failed to meet a deadline to produce a financial audit that was part of the sale, and that Allstate deducted $5.2 million in legal expenses from the value of the sale that they were not allowed to deduct by the terms of the agreement.

Marketing

Esurance's first television advertising campaign was launched five years after the company went live.The campaign was aimed at the 18 to 24-year-old male demographic, and had a budget of $60,000, a tiny fraction of the over $1 billion spent on advertisements within the insurance industry. The commercials featured an animated character named Erin Esurance, a pink-haired spy inspired by Sydney Bristow from the television show Alias.[The character and campaign were initially well received, leading to over 30 separate advertisements featuring Erin, and a dramatic increase in brand awareness. However, by 2009 industry polling on corporate mascots found Erin had become unpopular with viewers; 30% of viewers found the character annoying - double the industry average - and was below industry average in sincerity and believably.[1] Polling found Erin was less popular than even Microsoft's notorious Clippy character.[9] Additionally, a large number of pornographic images featuring Erin were created, and in some cases sold, by fans of the character. The illustrations became so prevalent that when the character was searched for by name without mature content filters enabled, the vast majority of results were pornographic.

Esurance also markets itself heavily through sports teams and sporting events, where it casts itself as being more environmentally friendly than competitors. The company has sponsored a number of sporting events and teams, including the US Open tennis tournament, the Golden State Warriors, and the San Francisco GiantsIn 2010 Esurance launched a new advertising campaign designed by the firm Duncan/Channon. By this point the company had an advertising budget of $100 million. Set in a fictionalized version of the Esurance office, but featuring actual Esurance employees, the commercials emphasized both the company's high tech platform and the personal touches offered by speaking to employees. The campaign was a deliberate break from focusing the advertisements on the 18-24 male demographic

The new campaign was short lived; In December 2011, Esurance announced another new advertising campaign. It emphasized efficiency and positioned the company as "Insurance for the Modern World"; the target demographic was families and professionals in the 25-49 age group. John Krasinski narrated the commercials, which were developed by ad agency Leo Burnett