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    <title><![CDATA[Go Banking Rates: Loans]]></title>
    <link>http://www.gobankingrates.com/loans/rss/</link>
    <description><![CDATA[The latest loans information, rates and news]]></description>
    <pubDate>Fri, 20 Nov 2009 23:52:14 -0600</pubDate>
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      <title><![CDATA[Is a B.A. in Liberal Arts Worth the Student Loan?]]></title>
      <link>http://www.gobankingrates.com/loans/student-loans/is-a-ba-in-liberal-arts-worth-the-student-loan/</link>
      <description><![CDATA[Is having a bachelor's degree in liberal arts really worth it despite cost of tuition rising?]]></description>
      <pubDate>Fri, 20 Nov 2009 08:24:48 -0600</pubDate>
    </item>
    <item>
      <title><![CDATA[Need Extra Cash? Be Careful Where You Get Your Personal Loan]]></title>
      <link>http://www.gobankingrates.com/loans/personal-loans/finding-the-best-interest-rates-on-your-personal-loan/</link>
      <description><![CDATA[
When it comes to finding the right personal loan, the bottom line for most people is going to be a favorable low interest rate. However, individual circumstances vary, and sometimes a person will need a loan sooner than a traditional lender can give it, ...]]></description>
      <pubDate>Wed, 18 Nov 2009 07:00:09 -0600</pubDate>
    </item>
    <item>
      <title><![CDATA[Private Student Loans Drying Up, Students Rely on Federal Loans]]></title>
      <link>http://www.gobankingrates.com/loans/student-loans/private-student-loans-drying-up-students-rely-on-federal-loans/</link>
      <description><![CDATA[New reports show that students are relying on federal student loans to finance their college tuition as private student loans become more difficult to obtain. The reports, issued by the College Board, show that private loans fell a whopping 52 percent in the 2008-2009 school year as a result of the financial crisis along with tightened credit standards.]]></description>
      <pubDate>Thu, 22 Oct 2009 07:00:16 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Auto Loan Delinquencies Drop in Second Quarter]]></title>
      <link>http://www.gobankingrates.com/auto-loans/auto-loan-delinquencies-drop-in-second-quarter/</link>
      <description><![CDATA[The delinquency rates dropped on auto loans made indirectly through dealers and directly to consumers in the second quarter. The numbers are provided by a report from the American Bankers Association (ABA) and may be an indicator that predictions made by economists that the economy has already hit rock bottom and is slowly-but-surely recovering and on target.]]></description>
      <pubDate>Wed, 14 Oct 2009 07:00:19 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[What is a On-The-Spot Loan?]]></title>
      <link>http://www.gobankingrates.com/loans/on-the-spot-loans/</link>
      <description><![CDATA[Learn more about how "on the spot" loans work much like pre-approved loans - also called payday loans.]]></description>
      <pubDate>Mon, 12 Oct 2009 13:36:58 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Lenders Lowering Principal to Modify Mortgage Loans]]></title>
      <link>http://www.gobankingrates.com/loans/lenders-lower-principal-to-modify-mortgage-loans/</link>
      <description><![CDATA[In an effort to help homeowners modify their mortgage loans, some lenders are taking steps to lower the principal amount, according to a new report from the Office of the Comptroller of the Currency (OCC). The report shows that while many lenders are taking the route of temporarily suspending interest to allow homeowners to catch up on payments, others have become even more lenient, lowering the amount of the principal owed for struggling borrowers.]]></description>
      <pubDate>Wed, 07 Oct 2009 07:00:31 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Line of Credit or a Loan?]]></title>
      <link>http://www.gobankingrates.com/loans/personal-loans/line-of-credit-or-a-loan/</link>
      <description><![CDATA[Every now and then people need access to money quickly to cover unexpected expenses. When the time comes it may be difficult deciding between using a line of credit from a credit card or securing a loan of some type to help get through the rough patch. Each option has both advantages and disadvantages associated with them based on what you need to use the money for and how you plan on paying back the debt in general.]]></description>
      <pubDate>Mon, 05 Oct 2009 07:00:17 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[New Rules for Federal Student Loan Repayment]]></title>
      <link>http://www.gobankingrates.com/loans/student-loans/new-rules-for-federal-student-loan-repayment/</link>
      <description><![CDATA[Did you go to college to increase your earning potential, but end up saddled with debt instead?
Those struggling to repay their federal student loans recently gotten a break. As of July 1, 2009 The U.S. Education Department changed the terms of student lo...]]></description>
      <pubDate>Thu, 01 Oct 2009 13:26:50 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Dealing With Student Loans When Going Back To School]]></title>
      <link>http://www.gobankingrates.com/loans/student-loans/dealing-with-student-loans-when-going-back-to-school/</link>
      <description><![CDATA[If you're going back to school for the first time in years and are looking for a way to pay for it, the prospect of student loans may have crossed your mind. It's an extremely common way to pay for tuition and is likely to be a way for you to cover at least part of your tuition costs.]]></description>
      <pubDate>Tue, 29 Sep 2009 07:00:04 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Affording to Pay for New School Loans]]></title>
      <link>http://www.gobankingrates.com/loans/student-loans/affording-to-pay-for-new-school-loans/</link>
      <description><![CDATA[The thought of going back to school after having been out of school for so long can seem distasteful, especially after you've already paid off your college loans just to realize you may have to take out another student loan. It's hard to stomach the thousands you may end up owing again.]]></description>
      <pubDate>Mon, 28 Sep 2009 07:00:17 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Is the Debt Worth Going Back to School For?]]></title>
      <link>http://www.gobankingrates.com/loans/student-loans/going-back-to-school-series-is-the-debt-worth-it/</link>
      <description><![CDATA[<strong>Going back to school can be both rewarding and troubling; rewarding because you're acquiring an education that can help you excel in your career, and troubling because of how expensive it can be.</strong> It's pretty difficult for students going back to school to avoid incurring some type of student loan debt along the way, which makes many people wonder, is the debt worth the education?]]></description>
      <pubDate>Sat, 26 Sep 2009 07:00:31 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[What is a Hardship Deferment for Student Loans?]]></title>
      <link>http://www.gobankingrates.com/loans/student-loans/what-is-a-hardship-deferment-for-student-loans/</link>
      <description><![CDATA[Life does not always deal the hand you the hand you want. Despite the best laid plans for graduating college and paying back your student loans, there are things that can happen that derail your plans. If you are a victim of unfortunate circumstances, you...]]></description>
      <pubDate>Thu, 17 Sep 2009 09:29:00 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Ways to Go About Paying Back Student Loans]]></title>
      <link>http://www.gobankingrates.com/debt/ways-to-go-about-paying-back-student-loans/</link>
      <description><![CDATA[While in undergrad or graduate school student loans may not feel like real money that you're borrowing. But come graduation, it's payback time and that's when you start feeling the burden of the student loans.]]></description>
      <pubDate>Fri, 21 Aug 2009 13:29:44 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Going Back to School Series: Saving to Go Back to School]]></title>
      <link>http://www.gobankingrates.com/savings-account/going-back-to-school-series-saving-to-go-back-to-school/</link>
      <description><![CDATA[If you've been out of school for a while and are thinking about going back, it can be tough to think about all of the steps you'll need to take in order to do so. The following are things to think about if you are pursuing the back to school route.]]></description>
      <pubDate>Fri, 07 Aug 2009 14:28:22 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Good Debt and Bad Debt Differences: What You Should Know]]></title>
      <link>http://www.gobankingrates.com/debt/good-debt-and-bad-debt-differences-what-you-should-know/</link>
      <description><![CDATA[People who have some type of credit will have some type of debt.  These debts come in various forms, such as credit card balances, student loans, auto loans, mortgage loans, etc. However, there is a difference between good debt and bad debt.]]></description>
      <pubDate>Tue, 21 Jul 2009 17:27:26 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[ARM: Being Careful With Prepayments]]></title>
      <link>http://www.gobankingrates.com/mortgage-rates/arm-being-careful-with-prepayments/</link>
      <description><![CDATA[Prepayment of an adjustable rate mortgage sounds good, especially on paper since you're putting extra money towards your mortgage in hope of reducing your mortgage debt. ]]></description>
      <pubDate>Thu, 09 Jul 2009 16:52:33 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[40 - 50 Year Mortgages]]></title>
      <link>http://www.gobankingrates.com/mortgage-rates/40-50-year-mortgages/</link>
      <description><![CDATA[For homebuyers who are considering buying a home in higher priced areas, the option of the long term mortgage 40 to 50 years often comes up. But is it the right choice for you What are the pros and cons of making such a decision]]></description>
      <pubDate>Tue, 19 May 2009 08:00:25 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Applying for Mortgage and Car Loan]]></title>
      <link>http://www.gobankingrates.com/mortgage-rates/applying-for-mortgage-and-car-loan/</link>
      <description><![CDATA[Thinking about taking out multiple loans? Learn more about the process of finding a great mortgage rate and the best car loan possible.]]></description>
      <pubDate>Thu, 07 May 2009 09:11:39 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[What Economic Factors Influence Adjustable Rate Mortgages]]></title>
      <link>http://www.gobankingrates.com/mortgage-rates/what-economic-factors-influence-adjustable-rate-mortgages/</link>
      <description><![CDATA[The name says it all when it comes to adjustable rate mortgages (ARM). Those who opt into an "ARM" should realize that after the initial period of low interest rates, the mortgage rate will reset. Your new rate will be based on a combination of a market index and a margin based on the state of the economy that change - which may or may not work in your favor.]]></description>
      <pubDate>Thu, 30 Apr 2009 17:49:17 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Things to Consider Before Taking out a Mortgage Loan]]></title>
      <link>http://www.gobankingrates.com/mortgage-rates/things-to-consider-before-taking-out-a-mortgage-loan/</link>
      <description><![CDATA[Now is a great time to start looking for mortgage rates since the housing market is about to pick up again.]]></description>
      <pubDate>Wed, 29 Apr 2009 17:53:27 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Bankruptcy Court Ordered Loan Modifications ]]></title>
      <link>http://www.gobankingrates.com/loans/bankruptcy-court-ordered-loan-modifications/</link>
      <description><![CDATA[For nearly a year, American lawmakers have been struggling to find creative ways to curb the amount of foreclosures that are over taking the country. One such act would be to allow struggling home owners the simple act of being able to refinance their loans more easily, but unfortunately that has not been an easy battle. To force the hand of the lenders to require them to work with borrowers, steps have been made by Congress to allow bankruptcy courts to modify mortgage loans.]]></description>
      <pubDate>Tue, 28 Apr 2009 07:00:13 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Best Mortgage Loan Types]]></title>
      <link>http://www.gobankingrates.com/mortgage-rates/best-mortgage-loan-types/</link>
      <description><![CDATA[Lean which type of mortgage loan is the best for your personal needs. ]]></description>
      <pubDate>Mon, 27 Apr 2009 16:05:27 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[What is a Mortgage Loan?]]></title>
      <link>http://www.gobankingrates.com/mortgage-rates/what-is-a-mortgage-loan/</link>
      <description><![CDATA[Mortgage loans can very in amount and with different rates. Learn some of the well known types of mortgage loans.]]></description>
      <pubDate>Thu, 23 Apr 2009 16:42:14 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Are Banks Really Loaning?]]></title>
      <link>http://www.gobankingrates.com/loans/are-banks-really-loaning/</link>
      <description><![CDATA[The recession being in full force and a strong need for economic stimulation leaves many wondering if banks  which play a huge role in providing liquidity  are lending money. Unfortunately, this question can't be answer with a simple yes or no.
There are ...]]></description>
      <pubDate>Thu, 23 Apr 2009 08:00:27 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[5 Best Ways to Use Credit Cards]]></title>
      <link>http://www.gobankingrates.com/credit-card-rates/5-best-ways-to-use-credit-cards/</link>
      <description><![CDATA[It's no secret that credit cards can cause grief with pesky finance charges and penalties; however, there are instances in which credit cards can improve your live. Consider these five ways to take advantage of your credit card in a great way.]]></description>
      <pubDate>Wed, 22 Apr 2009 08:00:35 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[What to Look for When Purchasing a Second or Vacation Home]]></title>
      <link>http://www.gobankingrates.com/mortgage-rates/what-to-look-for-when-purchasing-a-second-or-vacation-home/</link>
      <description><![CDATA[If a second or vacation home is on your mind, yet you're deciding whether to make a purchase with doubts, it's time to investigate what the process entails. ]]></description>
      <pubDate>Tue, 21 Apr 2009 13:13:15 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Managing Multiple Credit Lines]]></title>
      <link>http://www.gobankingrates.com/credit/managing-multiple-credit-lines/</link>
      <description><![CDATA[Organization is the most important tool for managing multiple credit lines in order to get the full benefits they offer.]]></description>
      <pubDate>Mon, 20 Apr 2009 15:00:03 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[FHA Reverse]]></title>
      <link>http://www.gobankingrates.com/mortgage-rates/fha-reverse/</link>
      <description><![CDATA[Those with FHA (Federal Housing Administration) Reverse loan have the benefit of living in their house and are able to keep the cash from the equity that were earned over the years.]]></description>
      <pubDate>Mon, 20 Apr 2009 08:00:18 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[When Refinancing Consider Your Personal Financial Obligations ]]></title>
      <link>http://www.gobankingrates.com/mortgage-rates/refinance/when-refinancing-consider-your-personal-financial-obligations/</link>
      <description><![CDATA[By calculating your refinancing opportunities, you will have a better understanding of how different refinancing scenarios will play out in terms of saving you money.]]></description>
      <pubDate>Thu, 16 Apr 2009 12:51:23 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[The Basics of Charge Cards]]></title>
      <link>http://www.gobankingrates.com/credit-card-rates/the-basics-of-charge-cards/</link>
      <description><![CDATA[Charge cards may help you if you want to stay away from credit cards.]]></description>
      <pubDate>Wed, 15 Apr 2009 12:53:48 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Dangers of Cash Out Refinancing]]></title>
      <link>http://www.gobankingrates.com/mortgage-rates/refinance/dangers-of-cash-out-refinancing/</link>
      <description><![CDATA[Cash out refinancing allows a home owner to tap into the equity that they have built up in their home.]]></description>
      <pubDate>Tue, 14 Apr 2009 08:00:06 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[What are Bail Bonds?]]></title>
      <link>http://www.gobankingrates.com/loans/what-are-bail-bonds/</link>
      <description><![CDATA[A bail bond is like an IOU for a defendant involved in litigation.]]></description>
      <pubDate>Mon, 13 Apr 2009 16:36:02 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[ Student Loan Debt Reduction Strategies]]></title>
      <link>http://www.gobankingrates.com/loans/student-loans/student-loan-debt-reduction-strategies/</link>
      <description><![CDATA[Debt often takes a period of time to accrue and even longer to eliminate. But if you neglect it, it will stay with you for ages; don't let it happen!]]></description>
      <pubDate>Mon, 13 Apr 2009 07:45:14 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Explaining Credit to Your Children]]></title>
      <link>http://www.gobankingrates.com/credit/explaining-credit-to-your-children/</link>
      <description><![CDATA[You want your children to have a stable life and not live paycheck to paycheck. Therefore, teaching them financial responsibility is quite important.]]></description>
      <pubDate>Mon, 13 Apr 2009 07:40:35 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Mortgage Loans: Non-conforming]]></title>
      <link>http://www.gobankingrates.com/mortgage-rates/mortgage-loans-non-conforming/</link>
      <description><![CDATA[Which mortgages would Fannie Mae and Freddie Mac guarantee or buy?]]></description>
      <pubDate>Fri, 10 Apr 2009 12:04:47 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[11th District Cost of Funds]]></title>
      <link>http://www.gobankingrates.com/mortgage-rates/11th-district-cost-of-funds/</link>
      <description><![CDATA[If you are getting mortgage loan, you have two main alternatives: a fixed-rate loan, where the interest rate stays the same for the life of your loan; and an adjustable-rate mortgage, or ARM, where the interest rate on your mortgage moves up and down along with some standard interest rate chosen by your lender.]]></description>
      <pubDate>Fri, 10 Apr 2009 11:45:27 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Interest Rates Falling: Stay in an ARM or Refinance?]]></title>
      <link>http://www.gobankingrates.com/mortgage-rates/refinance/interest-rates-falling-stay-in-an-arm-or-refinance/</link>
      <description><![CDATA[If you're in an ARM (Adjustable Rate Mortgage) then you may want to think about refinancing, seeing as interest rates are falling.]]></description>
      <pubDate>Fri, 10 Apr 2009 10:41:00 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[PIK Loans ]]></title>
      <link>http://www.gobankingrates.com/loans/pik-loans/</link>
      <description><![CDATA[PIK loan schemes seemed to have some impact on the current financial crisis. ]]></description>
      <pubDate>Fri, 10 Apr 2009 08:30:22 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Truth in Lending Provision]]></title>
      <link>http://www.gobankingrates.com/loans/truth-in-lending-provision/</link>
      <description><![CDATA[Truth in lending is also known as Regulation Z. It was a response to the numerous mortgage defaults in the recent real estate market bust. ]]></description>
      <pubDate>Wed, 08 Apr 2009 08:50:40 -0500</pubDate>
    </item>
    <item>
      <title><![CDATA[Using a CD as collateral for a loan]]></title>
      <link>http://www.gobankingrates.com/cd-rates/using-a-cd-as-collateral-for-a-loan/</link>
      <description><![CDATA[Learn how you can use your CD as collateral for a loan.]]></description>
      <pubDate>Tue, 07 Apr 2009 09:00:12 -0500</pubDate>
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