How do Loans work? Why do I have to apply for a Federal Stafford Loan Note first? How important are deadlines?

I’m applying for a Loan. A federal Stafford Loan. Im concerned that I might not get it because the deadline passed since I had to reapply for a Pin number needed to apply which took 7 days to arrive at my house, 2 days past the deadline. Am I screwed? Why is it recommended that I use this kind of Loan. Does it matter?


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What is the difference between a federal loan from a univeristy and one from a bank?

What is the difference. For example typically your financial aid office will award you say a federal Stafford loan and you just sign the promissory note for the lender.

But what is the difference from doing that through your school and actually going to a bank, IE Chase, and applying for a Federal Stafford Loan through the bank? Is it the same thing or is there a benefit from getting it through the school?

If the school doesn’t award you a loan can you apply for it through the bank or are you automactially ineligible?


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How to figure out the Federal Tax in a phone bill?

In a bill from BellSouth, there are many Federal Charges: Federal Universal Service Charge, Federal Exercise Tax, and Federal Tax.
Which kind of these taxes is claimed in Income Tax Return 2006?
In additions, may a taxpayer claim Federal Tax in a moblie phone bill?
Thanks for your answer.


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How Federal tax is calculated for whithholding from paycheck?

I couple of related questions:

1- Is there a formula that is used to calculate federal tax that is going to be whithheld from every paycheck? I understand it is based on W-4 form enteries, frequency of the paycheck (weekly, biweekly etc) and the tax bracket related to the taxable income but can someone please tell me what that formula is in terms of math denotation/expression? e.g. tax to be withheld = a x b/xy where a, b, x, y are various variables and what those variables are.

2- When Fed tax is withheld, is it withheld against the gross income for that period or the gross income minus FICA (ss and medicare tax) and/or medical health insurance premium? I understand that in case of 401k contributions, gross income minus 401k contribution = taxable income, which is then used to calculate FICA and so on. Similiarly, is state tax withheld against the gross income or gross income minus fica minus fed tax?

Thanks in advance.


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What is an unsubsidized federal loan for a college student?

For my son’s financial aid package from his school of choice, a portion was a FEE loan, unsubsidized. Are there specific reasons to accept or deny this type of loan, from your experience? Why wouldn’t I just get a loan from a bank with a better interest rate?


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Can your state income tax be a deduction on your federal taxes?

I am doing my taxes by myself for the first time, and I heard somewhere that your state income taxes can be a write off on your federal income tax. Is that true?


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What Loan company will take over my federal student loans when the loans are in default?

What Loan company will take over my federal student loans when the loans are in default so I can go back to school?
My loans are government loans from Saillie Mae. I owe them under $5000.
I heard about this company that will take over your school loans from them but I don’t know the name of the company.

I am at the point where I can’t get a federal student loan until I pay this off.


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