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Great Lakes Higher Education
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Are you tired of managing multiple federal student loan payments, with multiple interest rates or multiple servicers? If so, now may be the time for loan consolidation. The U.S. Department of Education made the landmark decision to allow you to choose your consolidation servicer (of which, Great Lakes is one) under the Direct Consolidation Loan program.

Ready to Go?

consolidate now

Is Consolidation Right for You?

Loan consolidation can be a great solution for borrowers seeking convenience and ease in managing their student loans. Consolidation gives you:

One loan, one fixed interest rate, one monthly payment, one student loan servicer—of your choice, and no consolidation fee.

You're also able to maintain certain federal student loan benefits, including:

Flexible repayment options. Your grace period. Take care of your past due loans. Public Service Loan Forgiveness (PSLF) eligibility.

However, if you're looking to consolidate you should consider the following:

Paying a different interest rate.

A Direct Consolidation loan's interest rate is the weighted average of your original loans' interest rates, rounded up to the nearest 1/8 of one percent.

Paying more over the long term.

Like a home mortgage or car loan, extending the years of repayment increases the total amount you will have to pay over the life of the loan.

Your grace period.

If any loans you want to consolidate are in a grace period, you can request to delay the processing of your consolidation loan until the end of your grace period. On your application, you must enter the month and year your grace period is expected to end. If you leave it blank, the processing will begin as soon as your documents are received and you'll lose your grace period. Then, once the consolidation loan is completed, you'll be required to immediately begin paying it back.

Direct Parent PLUS loans are not eligible to be combined into a consolidation loan under the Pay As You Earn or Income-Based Repayment (IBR) plans.

However, they are eligible for an Income-Contingent Repayment (ICR) plan.

Loss of certain federal student loan benefits.

This can include eligibility for subsidized interest, deferment, or loan forgiveness. Please check the U.S. Department of Education's website for more details .

To be eligible for a Direct Consolidation loan, you:

The living bridge has a fondness in my heart. I enjoyed many snacks there, from the Haskaps to the tomatoes. I would pass it on the days I walked to work, while carefully reviewing the construction detailing on the new museum as it was being built. For me, it was a gem in the city and spoke about rebuilding, transformation, and time. Its proximity to city hall showcased the cities progressive policies on urban farming, gardening, and temporary installations. The fruits were shared by anyone who visited it, and was maintained by diligent volunteers and community citizens. The living bridge has now closed as the property owners want to repave the bridge. My hope is that the paving will improve the bicycle connection to downtown from the northeast.

The closing of the bridge meant that the shrubs and plants needed to be relocated, or would be tossed away. The fruit shrubs were carefully removed from the garden by City of Edmonton (COE) employees and volunteers, and taken to various community gardens in the city, most in the McCauley area, as a way to ensure the plants were kept in the same community. A noble response to a garden that provided the community with a temporary transformation of a dilapidated bridge. Operation Fruit Rescue Edmonton (OFRE) was the largest recipient with a total of 22 fruit bearing shrubs being relocated to the Black Twinstrike Adv Stretch Leather Sneakers adidas miCjxE1U6
located on the north side of the Intercultural Center on 107A, between 96th and 97th street (the former site of the McCauley School). The Micro-Orchard is the largest of its kind in Canada, and could easily handle the influx of fruit bushes. There were some Gooseberries, Nanking cherries, Red Currents, Saskatoons, and Haskaps, all of mature size, as they have been growing on the bridge for a few years.

Haskap

The quality of the fruit bushes were outstanding and the root-balls were in good condition because of the limited growing depth on the bridge. OFRE crews worked hard over a two week time period to create and execute a plan, that would encompass a 2 day work-bee to locate and plant the shrubs. Mike Johnson, the Orchard Manager, took on the task, with the help of Amber Brant of OFRE, and Marcin Makarewicz, from the Edmonton Permaculture Guild . The work could not have been done without the amazing work of the McCauley Revitalization co-ordinator, Jane Molstad.

The much needed shrubs were placed strategically to define a winding path into the orchard that guides guests around the mandela. The shrubs also created a mid-level to the canopy of fruit bearing trees and cherries that were planted a few years ago, making the orchard look fuller and more complete. With the addition of plants, the orchard expands its base of fruit bearing trees and shrubs that can grown in the Edmonton Capital region, and becomes a real destination for food lovers in the city.

The living bridge may not be around, but the OFRE Micro-Orchard is a open site that anyone can visit, and pick the fruit. The orchard is the home to OFRE where the organization puts on a variety of workshops from apple maggot prevention to proper fruit tree care, and pruning. The site is also breeding ground for popular events like the Rey flat sandals Multicolour Loeffler Randall UaMRk7fl
held in August each year and open cider pressings held bi-weekly during apple season for citizens to learn how to make cider with their excess fruit. Check out the OFRE website for more information on dates and times. OFRE is also working closely with the Edmonton Permaculture Guild (EPG) to create a place that pushes the boundaries of typical garden design and construction, and are a great resource for people looking to install food forests and wholistic agricultural practices.

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Grapes to Glass
Saturday, September 8, 2018 - 2:30pm to 4:30pm
Stone Hill Winery
Yoga in the Vineyards
Sunday, September 9, 2018 - 9:00am to 10:00am
Chandler Hill Vineyards
Historic Downtown Sikeston Winefest
Saturday, September 15, 2018 - 6:00pm
Downtown Sikeston

Enjoy a fun Saturday night in downtown Sikeston, sampling wines from regional wineries, food from Susie's and Buffalo Wild wingsand music from The Real Deal.

www.downtownsikeston.org/events/events.asp

Yoga in the Vineyards
Sunday, September 16, 2018 - 9:00am to 10:00am
Chandler Hill Vineyards
2018 Harvest Celebration: Augusta, Mo.
Thursday, September 20, 2018 - 10:00am
Augusta, Mo.

Explore Augusta and a day in the life of a German immigrant at the 2018 Harvest Celebration, September 20 - 23. Friday evening kicks offwith the “Swinging in the Vines” concert and picnic in the vineyard. On Saturday, enjoya fun-filled day of celebrating the diverse and exceptional talents and skills of the Greater Augusta community. There will be activities and events for all ages. There is evena parade! Saturday's festivities also includea “Celebration Dinner” recognizing the “Best of the Best” of the festival participants.The Augusta Harvest Festival concludes on Sunday afternoon with a variety of activities and events all focused on the culture and heritage of Augusta.

For more information and reservations contact the Greater Augusta Chamber of Commerce at 636-228-4005.

Yoga in the Vineyards
Sunday, September 23, 2018 - 9:00am to 10:00am
Chandler Hill Vineyards
Wine Brews on the Avenues
Saturday, September 29, 2018 - 2:00pm to 6:00pm
The Avenues of the Historic Downtown Sedalia District

Enjoy the beautiful Missouri autumn season with a stroll along The Avenues of historic downtown Sedalia and tastings offered from eight to ten Missouri wineries and vineyards along with several craft beer breweries. Participating host shops will be located on the 100 block of EastMain Street and along Ohio Avenue from Main to TenthStreet. Registration and event check-in will begin at 1:30 p.m. inside the Fox Event Center at 104 East FifthStreet. Pre-registration is available online. Discover the unique setting of the National Commercial Historic District and the hospitality of Sedalia's merchants and fine eateries. More information is available online, theavenuessedalia.com .

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