The best thing about scouring powder is its abrasive action. The worst is the harsh chemical smell. To get all the benefits without the caustic chemicals, use baking soda instead. In most instances, baking soda will work just as well as scouring powder.
Simply clean tiles
For an easy, natural tile cleaner, mix together ¼ cup baking soda and 1 gallon warm water. Scrub with a sponge or mop, then rinse. For tough stains, wait 10 to 15 before rinsing.
Love your grout again
Is there anything more satisfying than nice, clean grout? A simple paste of 3 parts baking soda and 1 part water is all you need. Make a new batch each time you plan to attack the space between your tiles.
To get rid of scuff marks left on vinyl flooring by dark-soled shoes, rub some baking soda into the spot with a wet rag. The marks will disappear.
Show off crystal-clean crystal
To clean your cut crystal, mix a teaspoon of baking soda with warm water, then dab it onto the crystal with a soft rag. Rinse with water, and buff with a dry, soft cloth.
Supercharge your detergent
To boost the power of your dishwasher detergent, sprinkle a little baking soda in the dishwasher every time you run it. It will also help fight foul odors before they start.
SEE ALSO: Who Knew's 12 Dishwasher Tips and Tricks
Know this skillet saver
The teriyaki chicken you made for dinner was delicious, but the sweet sauce left terrible black burns on the bottom of your frying pan. To clean it, first sprinkle the pan with ¼ to ½ cup baking soda, and fill the pan halfway with water. Bring the water to a boil, and the burned pieces should start to release. When most of the pieces are removed, turn off the heat, dump the water, and wash as usual.
As the water boils, you may want to use a spatula to help the process along.
Get better-tasting coffee
The secret many of us miss: Make sure you clean your coffee maker regularly. Just add several tablespoons of baking soda to your pot, fill it with water, and run it as usual. Then repeat using only water.
Tackle tough appliances
If you haven’t had time to clean up and now there’s dried-on food stuck in the blades of your blender or food processor, bring baking soda to the rescue. Add 1 tablespoon baking soda along with 1 cup warm water to the bowl, put the lid on, and let it blend for 10 to 15 seconds. Wash as usual.
Perk up your plastic
Have plastic storage containers with lingering odors? Wash them with hot water plus 2 tablespoons baking soda.
I can’t even count how many times our boys have left something to fester in a water bottle or thermos! Simply fill the container with hot water and ½ cup baking soda, then let it sit overnight. In the morning, rinse well and it should be as good as new.
The brightest white cabinets
White kitchen cabinets can be beautiful, but they can also show grease, dust, and dirt more than their darker counterparts. To keep them looking their best, add water to a small amount of baking soda until it’s a runny paste. Scrub the mixture on the cabinets, and then rinse with warm water.
Simple step to a shiny sink
For a spectacularly shiny finish on a stainless steel or aluminum sink, rub a liberal amount of baking soda in a circular motion all over its surface with a damp sponge.
RELATED: Domestic CEO's How to Clean Your Sink
Instead of throwing away baking soda when it’s finished its 30-day stint in your fridge, dump it down the garbage disposal with running water. It will keep your disposal fresh, too!
Freshen rugs and upholstery
Sprinkle rugs, couches, and upholstered chairs with baking soda and let it sit an hour before you vacuum. It will keep them cleaner and fresher over the long haul.
Sprinkle some baking soda into the bag of your vacuum cleaner to keep it smelling fresh.
Save money on delicate detergents
Use this homemade solution: Dissolve 1 cup baking soda in 1 cup warm water. Add the solution directly to your standard washing machine, or add it to the soap dispenser of a front loader. The baking soda will clean your clothes without harming their delicate fibers.
All-Natural Fabric Softener: Just add ¼ to ½ cup baking soda to the wash cycle.
Erase wall marks
What’s the easiest way to remove crayon, pencil, ink, and furniture scuffs from painted surfaces? Sprinkle baking soda on a damp sponge, rub clean, and rinse.
Vinyl siding super-cleaner
From bird poop to tree sap to standard weather damage, vinyl siding can get very dirty. And while brand-name cleaners will no doubt get the job done, they tend to be costly and loaded with toxic chemicals. Instead, combine baking soda with enough water to form a paste, then scrub into your siding with a damp rag until the stains lift. Rinse off with a hose and, if necessary, repeat on stubborn stains.
Lift oil stains
Cleaning oil spots off the driveway is difficult, and the cleaners can be quite expensive. Instead, sprinkle baking soda over the stains, then rub with a wet scrub brush soaked with hot water. The baking soda breaks apart oil particles, so with a little elbow grease, you can have your driveway looking new in no time.
Clean battery leaks
If battery acid leaks inside the compartments of your appliances, there’s no need to throw them away. Simply take a few spoonfuls of baking soda and add water until it’s the consistency of toothpaste. Spread it on your battery terminals, let it sit for 15 minutes, and wipe clean. The acid should come off easily.
Must-try for musty books
Place the books in a paper grocery bag with an open box of baking soda. Fold over the bag, staple it shut, and let it sit for a week or two. Your books should smell considerably better when you take them out.
Is your suitcase a bit musty? The night before packing, pour a cup of baking soda in it, close it, and shake. In the morning, vacuum up the baking soda and the smell should be gone.
Get gloves on more easily
Sprinkle a little baking soda into each of your latex gloves, and they’ll stick less when you’re putting them on and taking them off.
If you have kids, you’ve had to clean up vomit. Baking soda can make the job a little less gross if you sprinkle some on top as soon as possible. It will soak up some of the mess and make the smell easier to deal with when you have to go at it with the paper towels.
The best student loans can help you earn a college degree that will lead to higher earnings later in life. They also come with low interest rates and reasonable fees (or no fees), which will make it easier to keep costs down while youâre in school and once youâre in repayment mode.
For most people, federal student loans are the best deal. With federal student loans, you can qualify for low fixed interest rates and federal protections like deferment, forbearance, and income-driven repayment plans. To find out how much you can borrow with federal student loans, you should fill out a FAFSA form. Doing so can also help you determine if you qualify for any additional student aid, and if so, how much.
While federal student loans are usually the best deal for borrowers, many students need to turn to private student loans at some point during their college careers. This is often the case when federal student loan limits have been exhausted, or when federal student loans are no longer an option due to other circumstances. We’re providing the top 8 options, at least according to us, as well as a guide to help you get the best rate.
Apply now with our top pick: College Ave
Most Important Factors When Applying for Student Loans
Start with a federal loan. Fill out a FAFSA form prior to applying for a private loan to make sure youâre getting all the benefits you can.
Compare loans across multiple lenders. Consider using a comparison company like Credible to do so.
Always read the fine print. Fees arenât always boasted on the front of a lenderâs website, so take time to learn about what youâre getting into.
Start paying as soon as you can to avoid getting crushed by compound interest.
Best Private Student Loans of 2021
Fortunately, there are many private student loan options that come with low interest rates and fair terms. The best student loans of 2021 come from the following private lenders and loan comparison companies:
Best for Flexibility
Best Loan Comparison
Best for Low Rates and Fees
Best for No Fees
Best Student Loans from a Major Bank
Best Student Loans with No Cosigner Required
Best for Fair Credit
Best for Comprehensive Comparisons
#1: College Ave â Best for Flexibility
College Ave offers private student loans for undergraduate and graduate students as well as parents who want to take out loans to help their kids get through college. Variable APRs as low as 3.70% are available for undergraduate students, but you can also opt for a fixed rate as low as 4.72% if you have excellent credit. College Ave offers some of the most flexible repayment options available today, letting you choose from interest-only payments, flat payments, and deferred payments depending on your needs. College Ave even lets you fill out your entire student loan application online, and they offer an array of helpful tools that can help you figure out how much you can afford to borrow, what your monthly payment will be, and more.
Qualify in Just 3 Minutes with College Ave
#2: Credible â Best Loan Comparison
Credible doesnât offer its own student loans; instead, it serves as a loan aggregator and comparison site. This means that, when you check out student loans on Credible, you have the benefit of comparing multiple loan options in one place. Not only is this convenient, but comparing rates and terms is the best way to ensure you get a good deal. Credible even lets you get prequalified without a hard inquiry on your credit report, and you can see loan offers from up to nine student lenders at a time. Fixed interest rates start as low as 4.40% for borrowers with excellent credit, and variable rates start at 3.17% APR with autopay.
Compare Dozens of Rates at Once with Credible
#3: Sallie Mae â Best for Low Rates and Fees
Sallie Mae offers its own selection of private student loans for undergraduate students, graduate students, and parents. Interest rates offered can be surprisingly low, starting at 2.87% APR for variable rate loans and 4.74% for fixed-rate loans. Sallie Mae student loans also come without an origination fee or prepayment fees, as well as rate reductions for students who set up autopay. You can choose to start repaying your student loans while youâre in school or wait until you graduate as well. Overall, Sallie Mae offers some of the best âdealsâ for private student loans, and you can even complete the entire loan process online.
Get Access to Chegg Study FREE with Sallie Mae
#4: Discover â Best for No Fees
While Discover is well known for their excellent rewards credit cards and personal loan offerings, they also offer high-quality student loans with low rates and fees. Not only do Discover student loans come with low variable rates that start at 3.75%, but you wonât pay an application fee, an origination fee, or late fees. Discover student loans are available for undergraduate students, graduate students, professional students, and other lifelong learners. You can even earn rewards for having a 3.0 GPA or better when you apply for your loan, and Discover offers access to U.S. based student loan specialists who can answer all your questions before you apply.
Apply for a Loan with Discover
#5: Citizens Bank â Best Student Loans from a Major Bank
Citizens Bank offers their own flexible student loans for undergraduate students, graduate students, and parent borrowers. Students can borrow with or without a cosigner and multi-year approval is available. With multi-year approval you can apply for student funding one time and secure several years of college funding at once. This saves you from additional paperwork and subsequent hard inquiries on your credit report. Citizens Bank student loans come with variable rates as low as 2.83% APR for students with excellent credit, and you can make full payments or interest-only payments while youâre in school or wait until you graduate to begin repaying your loan. Also keep in mind that, like others on this list, Citizens Bank lets you apply for their student loans online and from the comfort of your home.
#6: Ascent â Best Student Loans with No Cosigner Required
Ascent is another popular lender that offers private student loans to undergraduate and graduate students. Variable interest rates start at 3.31% whether you have a cosigner or not, and there are no application fees required to apply for a student loan either way. Terms are available for 5 to 15 years, and Ascent even offers cash rewards for student borrowers who graduate and meet certain terms. Also note that Ascent lets you earn money for each friend you refer who takes out a new student loan or refinances an existing loan.
Get a Loan in Minutes with Ascent
#7: Earnest â Best for Fair Credit
Earnest is another online lender that offers reasonable student loans for undergraduate and graduate students who need to borrow money for school. They also offer a free application process, a 9-month grace period after graduation, no origination fees or prepayment fees, and a .25% rate discount when you set up autopay. Earnest even lets you skip a payment once per year without a penalty, and there are no late payment fees. Variable rates start as low as 3.35%, and you may be able to qualify for a loan from Earnest with only âfairâ credit. For their student loan refinancing products, for example, you need a minimum credit score of 650 to apply.
Learn Your Rate in Minutes with Earnest
#8: LendKey â Best for Comprehensive Comparisons
LendKey is an online lending marketplace that lets you compare student loan options across a broad range of loan providers, including credit unions. LendKey loans come with no application fees and variable APRs as low as 4.05%. They also have excellent reviews on Trustpilot and an easy application process that makes applying for a student loan online a breeze. You can apply for a loan from LendKey as an individual, but itâs possible youâll get better rates with a cosigner on board. Either way, LendKey lets you see and compare a wide range of loan offers in one place and with only one application submitted.
Pay Zero Application Fees with LendKey!
How to Get the Best Student Loans
The lenders above offer some of the best student loans available today, but thereâs more to getting a good loan than just choosing the right student loan company. The following tips can ensure you save money on your education and escape college with the smallest student loan burden possible.
Consider Federal Student Loans First
Like we mentioned already, federal student loans are almost always the best deal for borrowers who can qualify. Not only do federal loans come with low fixed interest rates, but they come with borrower protections like deferment and forbearance. Federal student loans also let you qualify for income-driven repayment plans like Pay As You Earn (PAYE) and Income Based Repayment (IBR) as well as Public Service Loan Forgiveness (PSLF).
Compare Multiple Lenders
If you have exhausted federal student loans and need to take out a private student loan, the best step you can take is comparing loans across multiple lenders. Some may be able to offer you a lower interest rate based on your credit score or available cosigner, and some lenders may offer payment plans that meet your needs better. If you only want to fill out a loan application once, it can make sense to compare multiple loan offers with a service like Credible.
Improve Your Credit Score
Private student loans are notoriously difficult to qualify for when your credit score is less than stellar or you donât have a cosigner. With that in mind, you may want to spend some time improving your credit score before you apply. Since your payment history and the amounts you owe in relation to your credit limits are the two most important factors that make up your FICO score, make sure youâre paying all your bills early or on time and try to pay down debt to improve your credit utilization. Most experts say a utilization rate of 30% or less will help you achieve the highest credit score possible with other factors considered.
Check Your Credit Score for Free with Experian
Get a Quality Cosigner
If your credit score isnât at least âvery good,â or 740 or higher, you may want to see about getting a cosigner for your private student loan. A parent, family member, or close family friend who has excellent credit can help you qualify for a student loan with the best rates and terms available today. Just remember that your cosigner will be liable for your loan just as you are, meaning they will have to repay your loan if you default. With that in mind, you should only lean on a cosignerâs help if you plan to repay your loan amount in full.
Consider Variable and Fixed Interest Rates
While private student loans offer insanely low rates for borrowers with good credit, their variable rates tend to be lower. This is why you should always take the time to compare variable and fixed rates across multiple lenders to find the best deal. If you believe you can pay your student loans off in a few short years, a variable interest rate may help you save money. If you need a decade or longer to pay your student loans off, on the other hand, a low fixed interest rate may provide you with more peace of mind.
Check for Discounts
As you compare student loan providers, make sure to check for discounts that might apply to your situation. Many private student loan companies offer discounts if you set your loan up on automatic payments, for example. Some also offer discounts or rewards for good grades or for referring friends. It’s possible you could qualify for other discounts as well depending on the provider, but you’ll never know unless you check.
Beware of Fees
While the interest rate on your student loan plays a huge role in your long-term loan costs, donât forget to check for additional fees. Some student loan companies charge application fees or prepayment penalties if you pay your loan off early, for example. Others charge origination fees that tack on a few additional percentage points to your loan amount right off the bat. If you can find a student loan with a low interest rate and no additional fees, youâll be much better off. Since loan fees may not be prominently advertised on student loan provider websites, however, keep in mind that you may need to dig into their fine print to find them.
Make Payments While Youâre in School
Finally, no matter which loan you end up with, it makes a lot of sense to make payments while youâre still in school if you’re earning any kind of income. Even if you make interest-only payments while you attend college part-time or full-time, you can save yourself from paying thousands of dollars in additional interest payments later in life. Remember that compound interest can be a blessing or a curse. If you can keep interest at bay by making payments while youâre in school, you can squash compound interest and keep your loan balances from growing. If you let compound interest run its course, on the other hand, you may wind up owing more than you borrowed in the first place by the time you graduate school and start repayment.
What to Watch Out For
A private student loan may be exactly what you need in order to finish your degree and move up to the working world, but there are plenty of âgotchasâ to be aware of. Consider all these factors as you apply for a new private student loan or refinance existing loans you have with a private lender.
Interest that accrues while youâre in school: Remember that subsidized loans may not accrue interest until you graduate from college and enter repayment mode, but that unsubsidized loans typically start accruing interest right away. Since private student loans are unsubsidized, youâll need to be especially careful about ballooning interest and long-term loan costs.
Getting a cosigner: Make sure you only apply for a private student loan with a cosigner if youâre entirely sure you can repay your loan over the long haul. If you fail to keep up with your end of the bargain, you could destroy trust with that person and their credit score in one fell swoop.
Youâll lose out on some protections: Also remember that private student loans come with fewer protections than federal student loans. You wonât have the option for income-driven repayment plans with private loans, nor will you be able to qualify for federal deferment or forbearance. For this reason, private student loans are best for students who are confident in their ability to repay their loans on their chosen timeline.
In Summary: The Best Student Loans
Best for Flexibility
Best for Loan Comparison
Best for Low Rates and Fees
Best for No Fees
Best Student Loans from a Major Bank
Best Student Loans with No Cosigner Required
Best for Fair Credit
Best for Comprehensive Comparisons
The post Here Are The Best Student Loans of 2021 appeared first on Good Financial CentsÂ®.
One of the lessons Iâve learned as I continue to work my way out of debt is that you need to treat yourself and celebrate your little successes along the way so you can avoid debt fatigue down the road. Celebrating small milestones, like getting another $1,000 knocked off your debt total, starting to put money aside for retirement or paying off a credit card balance, is important for both your sanity and your familyâs sanity.
Find out now: How much money do I need to save for retirement?
I donât have kids, but several of my personal finance blogger friends do, and they have talked about how kids donât always understand how they can contribute to the family financial goals since they donât earn any money. Plus, sometimes kids donât understand why there is a sudden need to cut back on expenses they have come to know as normal- things like going out to eat or having a night out at the movies with friends. Allowing yourself and your family to celebrate your financial wins as you work your way out of debt will help them understand that while your family is now living on a different budget, itâs still okay to enjoy the present.
With that in mind, here are five frugal ways you can celebrate your financial successes, so you donât erase all your progress!
1. Go out for Dessert
As a kid, whenever weâd go out for dessert after a home-cooked meal, it felt like a real fancy treat. Now I know that this was mom and dadâs way of having a celebration without spending a lot of money on paying for a whole meal.
2. Rent a Movie
This may not seem like a treat if you rent movies all the time, but if you are living on a very strict budget and donât often rent movies, this could be a treat for you and your family. Make it the full experience â popcorn, candy, etc. Renting a movie and making popcorn at home is a fun way to celebrate, and itâs still a lot cheaper than going to the theater.
12 Affordable Ways to Have Fun on a Tight Budget
3. Hit a Matinee
Wait, didnât I just say to avoid the theater to save money? Yes, but sometimes movie theaters offer cheaper matinee movies earlier in the day. Often showings before noon can be as little as half price. This is a more budget-friendly way to enjoy a new movie.
4. Buy a Book or Magazine
One of the first things that got cut from my budget when I started focusing on financial goals was my magazine subscription. Most of the time I donât miss it as I have plenty of things to keep me busy, but sometimes itâs nice to somewhat mindlessly flip through a magazine in the evenings. Buying yourself a new book â maybe one of these investing books â or magazine is a fairly cheap way to entertain yourself and if itâs a rare occasion, it can serve as a reward too.
Frugal Summer Fun for Adults
5. Go on a Day Trip
If you arenât traveling too far, the most expensive part of the trip is usually the overnight accommodations. By taking a day trip instead to the beach or somewhere else, you can get out of town and away from the norm without having to shell out for an expensive hotel room.
What other frugal ways can you think of to celebrate your debt successes?