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`Open Threa for March
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`Getting Loans from Your Peers (and Parents) 2
`Thlflklflg EIZIDUI financial alt! probably |5l1'[ High
`on your list of Super Amazing Things to Do But
`as painful as might be, it's important to figure out
`
`BV Bra"d°"
`
`SWEMBEM’ 2""
`
`how you're going to pay for college—especially these days‘ when many banks have completely
`shut down their student lending programs
`If the regular assortment of federal and state student loans do not sufficiently cover yourtuition,
`
`‘
`
`you might be scrambling for another way to pay One option to consider peer-to-peer lending.
`Peer-to—peer lending, sometimes called social lending or person-to-person lending. allows
`individuals to borrow from other people, including friends and family (as opposed to borrowing
`from a financial institution)
`it's a great and easy way for your parents, friends‘ and well—wishers to
`get involved with helping fund your education. And because of online technology (is there
`anything the internet can't do?) individuals can borrow from dozens or hundreds of people
`they've never met.
`
`Peer-to—peer lending received some attention a few years back when the now—banl<rupt company
`My Rich uncle offered a 1% discount on Stafford loans Since then‘ several new companies,
`including one backed by Richard Eranson's Virgin Group, have risen to fill the void They may
`provide a good alternative for students unable to find traditional sources of student financing, and
`also offer a great way forfriends and family to invest in a
`student's future.
`
`ATBW examples TD!’ fUl’Tl’1Bl' FBSBEFCIT
`
`1. PFDSIJBF - W'W'W'.[3l'DS[3Bl'.CDm
`2. LDBWD — W'WW lDal’llD.CDl‘l'l
`
`El. Fynanz — www fynanz.com
`
`4.Gl'BEf1 NDIB — WWW greennote.com
`
`5 Lending Club — www lendingclub com
`
`6 Virgin Money— wwwvirginmoneyus com
`
`7 \/aZooma| — wwwvazooma com (coming soon)
`
`While peer—to—peer lending should not be considered a first option for paying for college (and
`certainly not a replacement of any of the federal loan programs), it should definitely be a part of
`any comprehensive funding plan employed by a student facing exorbitantly high college costs
`
`Gof a quesrlori for Brandon? Email him at aavi'ce@sparr<nores. com
`
`Topics: financial aid, peer-to-peer lending
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`Stanford University
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`James Madison
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`Ir
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`Florida State
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`University of
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`Texas Tech
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`How Io Become a
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`Il you're a sophomore or older In
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`Surviving Senior Year:
`February is Here!
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`8 College Scholarships We
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`Studam who K1831 More —
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`The 1D Elesl Dales EVER
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`What Do College Girls
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`More —
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`When yuI.I‘re III e class Ilke
`Aovenoeo Psychology 503
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`RESMS1 _ 9 M 45B
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`Penn Stat,-_o
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`Cornell University
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`Stanford University
`
`James Madison
`university
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`Ir
`
`Florida State
`University
`
`University of
`Southern carirornia
`
`Texas Tech
`University
`
`University of
`calirorniunauis
`
`University
`
`:
`
`‘
`
`3
`
`_
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`-
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`ious and Terrifying
`The Hil
`Timeline ofa Master
`' pmc,a5tinam,
`I'D Did you know lhal 52% El
`essays are wnnen e1.. More —
`
`How Io Become a
`Professional
`Il you're a sophomore or older In
`college, rrs eboul. More —
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`Surviving Senior Year:
`February is Here!
`Jenoary has already
`disappeared in a blur of back-to
`school homework . More —
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`8 College Scholarships We
`lMsh Exis1ed
`1. The Phfltflflnmh
`Snhnlarship: Awarded to the
`Studam who K1831 More —
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`The 1D Elesl Dales EVER
`One year ago, I dldthe crezlasl
`moo Itold More —
`
`Wl1en your books and teachers don't make sense, we do.
`Conlacl Us I Legal I About I Sllemap I Moblle Apps I Advertise
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`FLEAIW MORE
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`What Do College Girls
`Wear?
`Oul lhere, Irlthe big pre-college
`' worle, high schooI glrls .
`More —
`
`How to Stay Awake in Class
`When yuI.I‘re III e class Ilke
`Aovenoeo Psychology 503
`Really. More —
`
`: WhaI's Your Roommate
`Hiding Under Her Bed?
`You've now had E semester and
`
`Ir
`_
`
`onanoelo get More —
`
`.
`9 ”"':“'“’9m'“"a'waVS T"
`Gel Irflu Culleue
`some men :'chuoI kIdJus1 mom an
`app .. More —
`
`'
`
`RESMS1 _ 9 M 45B
`
`Penn Stat,-_o
`'
`degree online
`
`§ [E ARN MC RE
`
`Cornell University
`
`Stanford University
`
`James Madison
`university
`
`Ir
`
`Florida State
`University
`
`University of
`Southern carirornia
`
`Texas Tech
`University
`
`University of
`calirorniunauis
`
`University
`
`:
`
`‘
`
`3
`
`_
`
`-
`
`ious and Terrifying
`The Hil
`Timeline ofa Master
`' pmc,a5tinam,
`I'D Did you know lhal 52% El
`essays are wnnen e1.. More —
`
`How Io Become a
`Professional
`Il you're a sophomore or older In
`college, rrs eboul. More —
`
`Surviving Senior Year:
`February is Here!
`Jenoary has already
`disappeared in a blur of back-to
`school homework . More —
`
`8 College Scholarships We
`lMsh Exis1ed
`1. The Phfltflflnmh
`Snhnlarship: Awarded to the
`Studam who K1831 More —
`
`The 1D Elesl Dales EVER
`One year ago, I dldthe crezlasl
`moo Itold More —
`
`Wl1en your books and teachers don't make sense, we do.
`Conlacl Us I Legal I About I Sllemap I Moblle Apps I Advertise
`Ficnon Elonks I Textbooks I eTextbooI<s I Classic Books I Used Books I Teen Elooks I nook I eReeder
`@201 3 soerwoles LLC‘ All Roms Reserved
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`

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`GLLKDLIT‘
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`LIH
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`
`Help | Lugm |
`
`‘SIQFI Llprora Free Accourvt
`
`THE ALL-NEW ma
`Nissan ALTIMA‘ seonu
`-“é"-
`
`._
`
`1
`
`0% grown
`m up m H MW?
`:_
`M _
`..
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`.
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`__
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`'DIInI:Iml\r
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`>
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`Home > sparkconege
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`PENN ST TE|I‘_),\I'IyI A Ifl
`
`1 State
`E.1r11j.-'o11r P
`egree Qnline
`
`FLEAIW MORE
`
`What Do College Girls
`Wear?
`Oul lhere, Irlthe big pre-college
`' worle, high schooI glrls .
`More —
`
`How to Stay Awake in Class
`When yuI.I‘re III e class Ilke
`Aovenoeo Psychology 503
`Really. More —
`
`: WhaI's Your Roommate
`Hiding Under Her Bed?
`You've now had E semester and
`
`Ir
`_
`
`onanoelo get More —
`
`.
`9 ”"':“'“’9m'“"a'waVS T"
`Gel Irflu Culleue
`some men :'chuoI kIdJus1 mom an
`app .. More —
`
`'
`
`RESMS1 _ 9 M 45B
`
`Penn Stat,-_o
`'
`degree online
`
`§ [E ARN MC RE
`
`Cornell University
`
`Stanford University
`
`James Madison
`university
`
`Ir
`
`Florida State
`University
`
`University of
`Southern carirornia
`
`Texas Tech
`University
`
`University of
`calirorniunauis
`
`University
`
`:
`
`‘
`
`3
`
`_
`
`-
`
`ious and Terrifying
`The Hil
`Timeline ofa Master
`' pmc,a5tinam,
`I'D Did you know lhal 52% El
`essays are wnnen e1.. More —
`
`How Io Become a
`Professional
`Il you're a sophomore or older In
`college, rrs eboul. More —
`
`Surviving Senior Year:
`February is Here!
`Jenoary has already
`disappeared in a blur of back-to
`school homework . More —
`
`8 College Scholarships We
`lMsh Exis1ed
`1. The Phfltflflnmh
`Snhnlarship: Awarded to the
`Studam who K1831 More —
`
`The 1D Elesl Dales EVER
`One year ago, I dldthe crezlasl
`moo Itold More —
`
`Wl1en your books and teachers don't make sense, we do.
`Conlacl Us I Legal I About I Sllemap I Moblle Apps I Advertise
`Ficnon Elonks I Textbooks I eTextbooI<s I Classic Books I Used Books I Teen Elooks I nook I eReeder
`@201 3 soerwoles LLC‘ All Roms Reserved