Billigere studielån - spar penge hver måned!

Spar penge på dit SU-lån

Har du et SU-lån hos Uddannelses- og Forskningsministeriets Styrelsen for Videregående Udannelser? Læs her hvordan du kan spare penge på tilbagebetaling af dit SU-lån hver måned - alt sammen via studielaan.dk.
Du skal ikke engang kontakte din SU-medarbejder på dit uddannelsessted, det hele klares online via studielaan.dk. Du skal bare logge på med NemID.

Hvem kan spare penge ved brug af denne af guide?

Alle de som har et SU-lån der endnu ikke er betalt tilbage. Skal du ikke betale dit SU-lån tilbage endnu så bør du stadig læse med - du kan spare penge i fremtiden.

Har du allerede betalt dit SU-lån tilbage så er det desværre for sent. Vi takker for dit bidrag til at flytte Finansservicecentret (FSC) til Frederikshavn/Holstebro - så kommende generationer af SU-lånere kan lide under dårlige service grundet de mange nye medarbejderes mangel på erfaring.
FSC er den del af Statens Administration der har med SU-lån at gøre.

Hvad koster det?

Ingenting, det er ganske gratis. Alt du skal gøre at logge in på studielaan.dk og trykke på et par knapper.

Hvad skal jeg bruge?

Internet, dit NemID og 5 minutter.

Hvorfor opkræver Statens Administration 5 kr. i opkrævelsesgebyr?

Statens Administration tjener som sådan ikke penge på at yde SU-lån. Medarbejderne finansieres derfor gennem gebyrer, som f.eks. hvis du betaler for sent samt deres mere stabile indkomst: At opkræve 5 kr. hver måned i opkrævelsesgebyr - selv hvis du opsætter automatisk betaling eller betaler med dit Dankort online.

Sådan sparer du 5 kr. i opkrævelsesgebyr hver måned

1. Log ind på studielaan.dk
2. Vælg "Udsæt og beregn"
3. Vælg dit SU-lån og gør som på billedet under listen her
1. Vælg "Én betaling årligt"
2. Udsæt lånet så langt som muligt
4. Tryk på "Bestil ændringer"

Hvad hvis jeg ikke betaler mit SU-lån tilbage inden for 1 år?

Så skal du igen betale 5 kr. i måneden i opkrævelsesgebyr. Det er muligt at du vil kunne spare igen senere hvis du genoptager eller igen starter på en SU-berettiget uddannelse og derefter igen skal til at betale tilbage.
Du kan udsætte lånet flere gange (kunne jeg i hvert fald). Så det kan du forsøge dig frem med og undgå gebyrer i længere tid.

Findes der billigere løsninger end SU-lån?

Nej. Rentemæssigt er SU-lån et af de bedste lån i verden. En mere fyldestgørende gennemgang af denne påstand hører til i en blogpost for sig selv. Men hvis valget står mellem et billigt SU-lån og et hvilket som helst andet lån, så betal din anden gæld af først og vend tilbage til SU-lånet når al anden gæld er afviklet.

Hvilke konsekvenser får det at jeg ikke betaler de 5 kr. i opkrævelsesgebyr for mine SU-indbetalinger?

Statens Administration er i stor udstrækning finansieret af disse gebyrer. Hvis alle kender dette lille trick og får betalt deres SU-lån tilbage hurtigere, så kunne det være de droppede gebyret og fandt en anden finansieringsform. Men det er vidst ikke helt sandsynligt.

VIGTIG INFO!

Husk på at dit SU-lån stadig trækker renter så længe det ikke er betalt tilbage, så få det gjort når du kan. Betal alt andet gæld tilbage FØR dit studielån.

Tak for et fedt blogindlæg!

Det var så lidt! Send links, del, like og spred ordet. Det er muligvis ikke fedt at have SU-gæld, men scor noget karma og fortæl dine venner om det.

Your employees are not 'good'.

Content moved here.

Combining school and fun?

Sounds wrong right? Just like: "Normally I wouldn't..." but then why did you do it anyways? A question to which many probably does not have an answer, or don't want to answer, but...

Normally I wouldn't do this, but...
It happens to be so that apparently the Danish school system is introducing blog writing as a part of the English exam, and I'm like: "If I'm gonna do this shit anyways, I might as well throw it on my own blog!"... so here it is! The assignment is to first read a sample blog post (for all those that don't even know what it is, pfft!), and watch two video clips, then have your own say at said topic. This time, it's Starbucks! The two video clips are Are you in? and the Starbuck (red) Ad. And here is my attempt on the assignment:

What if I'm not in?
I have one major problem with Starbucks, before revealing it though, I'd like to share some of my thoughts on this company with you.

I think it's really nice that there are people out there who wants to help. I am not talking about the costumers, but somewhere inside the company Starbucks there must be some people that wants to help not only their local communities, as seen in their Are you in? ad, but also on a more large perspective with their (red) ad

To me it's obvious that all this charity coming from not only Starbucks, but also many other companies (e.g. Ronald McDonald foundation), must be seen as just another marketing trick, trying to boost sales. With coffee as expensive as Starbucks' is, they better be doing something sensisble with all my money.

My first (and only) experience with Starbucks was in The Lion Yard Shopping Centre in Cambridge, UK. Amazing place by the way, they even have the Dyson Airblade handdryer on their toilets there, I'll write more about why this handdryer is so amazing another day, back to the Starbucks coffee shop that is placed on the 1st floor right next to the exit of the escalator.

I went in there with my classmates who were all getting different drinks, not being a huge coffee fan myself, I ordered a large chocolala dé something. With some uncertainty due to the IKEA-effect* playing with my senses, I can say that this was indeed the second best cup of chocolate drink I have ever had, it was, amazing, so good that I still remember it today. Let us all take a moment to lean back, close our eyes and think at the last time we had a cup of our favourite drink...

... felt good right?

That memory is probably what makes Starbucks worth it, too bad that, except in the airports, there are none in Denmark...

*When you have walked around IKEA for long enough, ANY chair is a GOOD chair, so you end up sitting down in a random leather sofa to find yourself buying it 15 minutes later.

---
And that concludes our broadcast day, at least for the Starbucks part. What is your thought on Starbucks by the way? And is this a good way to do assignments in a school? Can you even consider a blog 'schoolwork', any thoughts folks?

Stop sending money to Africa!

Imagine that you could just sit down, close your eyes and lean back in the shadow of a palm tree outside your house and enjoy the 30°C (86°F), knowing that around noon you can go to the local development aid center and pick up a free lunch. The food may be simple and the variety low, but at least it is free and you did not have to do anything for it because it is all provided by developed western countries.

A Problematic Situation
African countries today suffer from many issues, the single largest problem being: development aid. You must remember that even though many of the charity organisations, even the ones helping out in Haiti right now, say they are doing something good, people are employed within these organisations and make money on other people's disasters. How awful this may be, that is no big deal, think of doctors, they make money on your well being, or rather, your not-so-well being.
These organisations are in many ways actively working against improving life quality for not just Africa, but anywhere they go. Think of it like this: If the Africans could overcome their current situation and things started to go for the better, charity/help organisations would have to find new areas where people were suffering. Money has never done anything good.

But... They still Suffer in Africa! What can we do?
The answer could be a quick: "Stop giving them money, stop sending them food.". But to better understand the situation and find out how we can help, we need to look at Africa in a large perspective. Africa suffer from several, let's go through them quickly...

Fertility Rates
A lot of people die and do not live very long, which leads to a lot of kids being born (look at the map). Kids are in their first years unable to provide any kind of support, rather, they require it. A lot of people needs a lot of food and without anyone to support them, you can easily guess where famines come from. A doctor and a missionary would do wonders in Africa, any sort of religious belief is believed to lower mortality rates.

Lack of Education
Illiteracy in Africa is huge problem, many African countries lack schools, teachers and other important educational facilities. Education leads to specialised and more effective production which ultimately will lead to the extinction of monoexport, which has been a recognized issue since 1940 (or before)! Look at your own country today, probably a developed western world country, I bet it exports within a wide array of different product categories. Africa basically only exports in one or two product groups, usually raw materials (feedstock). Drying out the country of the raw material they themselves could be processing to employ even more people and start building the foundation for an actual economy.

Civil Wars
During the de-colonization of Africa starting around 1947 after WWII, the African nations were pretty much put together by a few western politicians drawing some lines on a map, disregarding internal affairs all over Africa (just look at the country borders today). Compare to any other place in the world (except Australia), and note that you will find the borders of the countries to sorta sway around like a drunk bum on the loose. This is natural since clans, kings, churches, nations and others have been fighting to establish these borders for centuries. This is not the case in Africa and this is the main reason for the civil wars in Africa, people want their countries back as they used to be (not hard to understand right?).

Myths - Motivating the Africans
It has been suggested, ever since the white man came to Africa, that negroes (the general term for an African and/or black person at that time) are lazy and monkey-like by nature. I do not believe this is true, but as I started out by explaining, if you could sit under the palm and relax all day long because some random white guy was feeding you for free, would you start working?

What to do then?
If you want to help, the best possible solution is to go there and do something for the Africans that you do good. If you are a carpenter, go help them build some houses. If you are a teacher, go teach! Do not join an organisation that will place you somewhere to do a job for them, remember, as I mentioned earlier, if you actually make a difference down there, and improve the life in an African village, this organisation will have to find a new village in trouble. A carpenter was sent to an African village but instead of helping them build houses, he was told to teach in the local school, something that he obviously was not so good at.

If you want something done properly, do it yourself! Alternately, If you want to help Africa, buy things that are "Made in Africa", for example this 1888 Mills Luxury Cotton Made in Africa Towelfrom Amazon.com that has received very good feedback.