Edinburgh

After completing their schooling students join college and university for higher studies. Today cost of almost all the courses are very high, due to this student with weak financial backgrounds find it difficult to continue their studies. To help these students lenders have introduced college loans. College loans not only cover your tuition fee, hostel fee, book etc. College loans are offered at low interest rate and flexible repayment options.

DETAILS REGARDING COLLEGE LOANS:

College loans are meant for students who need financial assistance to continue their studies. Students may need money for admission fee, tuition fee, accommodation fee, books etc. To meet all the above mentioned needs you can avail college loans. You don’t need to place any security against the loan amount. To avail college loan you must be an undergraduate enrolled with any college or university. You’ll have to show your proof of enrollment and you must have resided for at least 2 years at your current address. College loans can be availed by both good and bad credit holders. So even if you are suffering form bad credit you can avail college loans. College loans can be availed by students of all fields be it engineering, medical, arts or commerce. College loans are hassle free and get approved in short time. Once the loan is approved the amount is transferred within 5 days of approval. College loans carry very low interest rate compared to other loans. Students get sufficient time after completing graduation to repay the loan amount.

COLLEGE LOANS : availability

You can apply for college loans by personally visiting lenders or you can apply through Internet also. To apply for a college loan via Internet you just have to fill up an online application form and within few hours lender will get back to you. You can search for lenders who offer college loans at reasonable terms and conditions.

BENEFITS OF COLLEGE LOANS

College loans are very beneficial for students aspire to join a university or college for higher studies but can’t afford it due to money crunch. With college loans you can avail loan to fulfill all your requirements like hostel fee, tuition fee, books etc. you can avail college loans even if you are having a bad credit history. Now every student can fulfill his/her dream and pursue the career of their choice. As college loans are advanced for students lenders charge low interest rate. You can also apply for college loans through Internet.

For your higher studies you need to get into college life and if finance is annoying you then to cope up with the rising cost of education, college loan is easily available. College loan helps the borrower to pursue education with easy terms and conditions.

College loans consider all the expenses for education starting with education or tuition fee to hostel fee; meeting other expenses like examination fee, library or laboratory fee. Apart from the fees it entails the other expenses like purchase of books, stationery, uniforms and other miscellaneous expenses like transportation too. So, while hailing for college loan, borrower must be well informed with the knowledge of expenses that are going to incur so that he can raise the loaned amount.

Considering his expenses, college loan are categorized in two options namely secured and unsecured. Secured option allows borrowers to borrow large amount of loan at low rate of interest and easy repayments against the valuable property that acts as collateral.

But, if you consider that you can’t possess or don’t have property to pledge then you can opt for unsecured college loan. Under college loan, borrower is financed the loaned amount without pledging the collateral. So, for that borrower charges him the loaned amount at slightly higher rate of interest compared to secured option.

The college loan can be easily repaid because the repayment terms are easy. Borrower can repay the loaned amount, when he gets the employment with the monthly salary of £10 000. The amount is to be repaid with at the prevailing interest rate and that rate is charged according to present inflation in the market.

Borrower can avail or locate the good deal in college loan through banks and financial institutions or today’s advancement technology i.e. online mode. Online mode offers availing college loans with a simple application form has to be filled in, and a lender has to be selected.

College loans can be feasible for any course like part time, full time, distant education or vocational courses at easy repayment option and feasible interest rate.

University College London

Contact:

UCL (University College London)

University of London

Gower Street

London

WC1E 6BT

Tel: (020) 7387 2000

Online:

http://www.ucl.ac.uk/

http://www.uclunion.org/

Interesting Facts:

64% of students at UCL are undergraduates

UCL has done very well in recent research assessments, beating Oxford and Cambridge in many subject areas. They also have 18 Nobel Prizes under their belt.

Brett Anderson (Suede), Alexander Graham Bell (Inventor of the Telephone), Rabbi Lionel Blue (Writer and Broadcaster), Coldplay ( The Entire Band), Francis Crick ( Discovered DNA), Jonathan Dimbleby (Broadcaster), Mahatma Gandhi (Indian Politician), David Gower (Cricketer), Jonathan Miller (Writer and Director), Sir Eduardo Paolozzi ( Artist and Sculptor), Marie Stopes (Birth Control Pioneer), Victoria Barnsley, Harper Collins, Digby Jones (Confederation of British Industry), Mark Lawson (Writer and Broadcaster) Christopher Nolan (Film Director), Robert Browning ( Poet), Ross Wright (Serious Fraud Squad), Alex Comfort (Author -The Joy of Sex), David Baddiel (Comedian), Ricky Gervais (Comedian/Actor), Raj Persaud (Psychiatrist) and Jonathan Ross (Broadcaster) all attended UCL.

Guides:

UCL libraries hold more than 1,500,000 books, with over 1,500 workstations. The Main Library is under the dome at Gower Street, while the new Medical Library boasts some of the best medical resources in Europe. There is also a large Science Library, and 12 specialist libraries. Many departments also have collections. UCL students, like all University of London students, can use the main University’s Senate House library. There are a quite a few computer areas, but these tend to be in the Libraries. There is some 24 hour access, but not in the main library facilities. The computer facilities are quite up to date and many have flat screen monitors. Some of the new or renovated Halls also have Internet access and there are plans to extend this further. UCL have many sports facilities, but these sometimes come at a price. They own Shenley which is Watford’s training ground. The Argentinean national team also played here before playing England. The facilities boast 10 floodlit pitches for football, rugby, cricket, etc. 6 grass tennis courts, and some hard courts. There are also brand new changing rooms, a bar and conference rooms. The Bloomsbury Fitness Centre was refurbished in the summer of 2003 and renamed Bloomsbury Fitness. The membership fee is £120 pa for UCL students, but the facilities are quite good and certainly cheaper than other London health clubs. On the whole, disabled facilities are quite good with ramps and lifts in most places. However, this can depend greatly on the department. Some further changes can be made if required. The University handle counselling with 3 full time advisors and part-time psychiatrists. The Student Union has a Rights and Advice Centre, which can advise on topics like housing, drugs, immigration and finance. There are also a number of welfare groups, like the LGB Society. Parking is very expensive so it is best to take public transport which, despite some complaints, is quick and easy. The Union have also negotiated good deals with London transport for student travel cards etc. The University has recently downsized its retail offering by removing the travel shop and making the copy centre for union business only. However, there is still the well stocked general shop called Bear Necessities and a hairdresser. There is a huge branch of Waterstones nearby, just across the street from ULU. There is also a second hand bookshop on the 3rd floor every Friday. This is particularly good for English, Classics and History students. There is a NatWest Bank on the main college site, as well as a HSBC cash machine. In the Student Union there is a Lloyd’s cash machine. There are branches of every major UK bank within walking distance.

Where is my nearest…

…PUB?

The Northumberland Arms is 0.19 miles away on Tottenham Court Road.

…CLUB?

0.36 miles away on Goodge Street is The Capricorn.

…CINEMA?

The Horse Hospital is 0.42 miles away on Colonnade.

…TAKEAWAY?

There is a Subway on Melton Street just 0.18 miles from the university.

…OFF LICENCE?

0.50 miles away is Nicolas (UK) Ltd on Great Portland Street.

…GYM/ LEISURE CENTRE?

The nearest is Energy Base on Malet Street 0.17 miles from the university.

…SUPERMARKET?

Superby is the nearest supermarket 0.20 miles away on Grafton Way but there is also a Sainsbury’s Local just 0.16 miles from Uni on Tottenham Court Road.

…SHOPPING CENTRE?

Chocolat Chocolat is just 0.42 miles from the University in the Brunswick Centre.

…DENTIST?

Jones is 0.07 miles away on Gower Place.

…DOCTOR?

Just 0.10 miles from the university on Grafton Way is Dr M Adifeshiah.

…OPTICIANS?

0.17 miles from the main university on Malet Street is University Vision Ltd.

…CHEMIST?

Agincourt Trading is 0.20 miles away on Tottenham Court Road.