Student Loan Debt Consolidation Calculator

With wit and wisdom, O'Connell backs up his guidance with case histories, anecdotes, information boxes, sidebars, and colorful industry profiles--all packaged together in one lively, user-friendly book.

In addition to a deductive approach to equilibrium statistics and thermodynamics based on a single hypothesis - the form of the microcanonical density matrix - this book treats the most important elements of non-equilibrium phenomena. Intermediate calculations are presented in complete detail. Problems at the end of each chapter help students to consolidate their understanding of the material. Beyond the fundamentals, this text demonstrates the breadth of the field its great variety of applications. Modern areas such as renormalization group theory, percolation, stochastic equations of motion and their applications to critical dynamics, as well as fundamental considerations of irreversibility, are discussed. The text will be useful for advanced students of physics and other natural sciences; a basic knowledge of quantum mechanics is presumed.

Debt consolidation - Debt consolidation entails taking out one loan to pay off many others. This is often done to secure a lower interest rate, secure a fixed interest rate or for the convenience of servicing only one loan.

Student loan - Student loans are loans offered to students to assist in payment of the costs of professional education. These loans usually carry lower interests than other loans, and are usually issued by the government.

SLM Corporation - SLM Corporation (NYSE: SLM), commonly known as Sallie Mae, is the United States' number one college student loan company, managing more than $122.5 billion in debt for more than 8 million borrowers, and employing 10,000 individuals at offices nationwide.

Debt-to-income ratio - Debt-to-income ratio is used by a lender to see if a borrower qualifies for a home loan. A debt-to-income ratio of 28/36 means that no more than 28% of someone's income can go to housing and no more than 36% of one's income can go to the total monthly debt.

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