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To better understand the concept of student loan consolidation, I'm going to give you a crappy example I've made up just awhile ago. It's not that good (it's crappy), but it should be able to make the topic a bit easier to understand. Here it is: you've been assigned by your mom to rake the leaves on the lawn. She wants you to gather them into 5 equal piles, burn it, and distribute it to 5 of her friends (for some stupid unknown reason). You find that very unreasonable as well as difficult and time consuming. Not to mention the energy and frustration you'll be going through while at it.
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Within a few short years, almost every accountant in the country uses some kind of tax preparation software to prepare tax returns. Now it is not a question of whether an accountant uses software to prepare tax returns, but of which software the accountant is using. Times have changed significantly in the accounting industry. Observant accountants may notice how fast things changed in their industry.
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So to make things easier, you get someone else to do it for you. You pile the leaves in a big bundle and have the guy you've hired do all the dirty work for you. Again the example sucks, but that's the way student loan consolidation works. I'll explain it here: going to college is one of the most expensive events that are going to happen in your life, and it's hard to stumble across an individual that doesn't need to take out several loans to cope up with all the expenses. Now, student loans may in general be categorized under two types, the first being: federal student loans.
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This type is given through the US Department of Education's Federal Student Aid programs, and considered the fastest and easiest type a student may get his hands on. The 2nd type is private student loans, which are obtained at financial institutions, such as the bank. Now whichever of the two you pick, there's probably going to be a lot of them availed, which means you'll be taking multiple loans. That means you could be paying back different lenders and paying for loans with various deadlines and interest rates, which is going to be a burden on your part. So to make things easier, you go for the method of student loan consolidation, where you put all those debts into one big "bag", which means it's treated as a singular or consolidated loan.
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That's convenient on your part because you make single monthly payments instead of many. There's something that you should always remember though, which is not to consolidate the federal type with the private type. You see the interest on federal student loans is tax deductible, while the interest on the private type isn't. By combining them, you lose the tax deduction - so don't do that. What's going to make you eligible for this service? Well basically there are 3 determining factors, the first being: you aren't enrolled in any school anymore. The second is you've shown good conduct with paying your loans.
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3rd is you're in the 6 month post-grad grace period. So what are the other benefits you should expect to gain when going for student loan consolidation (aside from convenience)? There are basically 3 advantages for you to gain here, namely: a lower rate of interest and reduction of monthly payments as the loan payback period is increased to 30 years. When you graduate, you're going to have to pay everything you own back (obviously). So to make things easier for yourself, consolidate them.
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Unlike only a few years ago, it is almost unimaginable how any accounting practice could function and survive without computers and accounting software. There is probably not a single accounting practice in the country that operates without computers and software for tax and accounting. Only a few years ago, a large number of accountants did not consider computers or software as something that would be able to enter their industry. They thought nothing would replace their ability to prepare a tax return. They thought nothing could replace their ability to balance a trial balance and prepare financial statements out of it. Their denial has turned into widespread acceptance within a short time.
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Accountants are now in a new phase of denial. This time they deny that it is ever possible for an accounting practice to operate without papers. They deny that it is ever going to be possible for accountants to operate without papers, period. There has been a lot of talk about paperless offices coming for years. Numerous articles have described how the world will change with paperless business operations. However, the predictions have not come true at the speed people were expecting. The topic lost its attraction over time. Thus, the denial of accountants that there could ever be a paperless office for them is justified.
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The fact is that the paperless office is sneaking up on us. The technology that is required to convert business operations into paperless operations has become remarkably affordable. Small CPA practices can now go paperless with an investment of as little as $2,000, on their own. Times have changed significantly in this area but unfortunately, accountants are not noticing this trend.
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The technology is available, affordable and quick. Yet there are thousands of accountants in the country, who are not even aware of this change coming in their industry. Just like it is unimaginable that an accounting practice could operate without computers and software today, within a few short years, it will be unimaginable that an accounting practice operates WITH PAPER.
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The nature of this change is such that it could be devastating for many accounting practices. When accounting and tax software came about the process of adopting the change was not that difficult. You could go forward with a new way to operate very easily. You would purchase the software, train yourself and start using it, going forward.
 +
 
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Going paperless, however, is a culture change of a great magnitude. It brings about major changes in the way the offices work. It requires a major change in work flow processes. Conversion is not difficult but it does require special planning and attention. There is a significant revolution brewing in the accounting industry, unnoticed by many, which could damage and kill many small accounting practices, while make fortunes for others. It is the paperless revolution that could bury a few accountants under their own papers.
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Version actuelle en date du 18 janvier 2016 à 17:42

Within a few short years, almost every accountant in the country uses some kind of tax preparation software to prepare tax returns. Now it is not a question of whether an accountant uses software to prepare tax returns, but of which software the accountant is using. Times have changed significantly in the accounting industry. Observant accountants may notice how fast things changed in their industry.

Unlike only a few years ago, it is almost unimaginable how any accounting practice could function and survive without computers and accounting software. There is probably not a single accounting practice in the country that operates without computers and software for tax and accounting. Only a few years ago, a large number of accountants did not consider computers or software as something that would be able to enter their industry. They thought nothing would replace their ability to prepare a tax return. They thought nothing could replace their ability to balance a trial balance and prepare financial statements out of it. Their denial has turned into widespread acceptance within a short time.

Accountants are now in a new phase of denial. This time they deny that it is ever possible for an accounting practice to operate without papers. They deny that it is ever going to be possible for accountants to operate without papers, period. There has been a lot of talk about paperless offices coming for years. Numerous articles have described how the world will change with paperless business operations. However, the predictions have not come true at the speed people were expecting. The topic lost its attraction over time. Thus, the denial of accountants that there could ever be a paperless office for them is justified.

The fact is that the paperless office is sneaking up on us. The technology that is required to convert business operations into paperless operations has become remarkably affordable. Small CPA practices can now go paperless with an investment of as little as $2,000, on their own. Times have changed significantly in this area but unfortunately, accountants are not noticing this trend.

The technology is available, affordable and quick. Yet there are thousands of accountants in the country, who are not even aware of this change coming in their industry. Just like it is unimaginable that an accounting practice could operate without computers and software today, within a few short years, it will be unimaginable that an accounting practice operates WITH PAPER.

The nature of this change is such that it could be devastating for many accounting practices. When accounting and tax software came about the process of adopting the change was not that difficult. You could go forward with a new way to operate very easily. You would purchase the software, train yourself and start using it, going forward.

Going paperless, however, is a culture change of a great magnitude. It brings about major changes in the way the offices work. It requires a major change in work flow processes. Conversion is not difficult but it does require special planning and attention. There is a significant revolution brewing in the accounting industry, unnoticed by many, which could damage and kill many small accounting practices, while make fortunes for others. It is the paperless revolution that could bury a few accountants under their own papers.


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