Related Financial Services - The following list of company and services directories offer a wide variety of programs for consolidating bills and other similar services, such as a getting a mortgage refinance interest rate quote from a lender or an online quote for life or car insurance.

• Credit Debt Management - Do you have too much debt in order to manage it effectively? Compare this list of web sites offering debt management services that may be able to help you get your bills under control.
• Debt Settlement Service - Too much debt? List of companies providing this alternative to bankruptcy that provides for debt negotiation and arbitration services for those that need to eliminate debt.
• Debt Consolidation Help - Learn about the debt consolidation process and review detailed listings for lenders and services offering to help consolidate your debts.

New Law to Reduce Student Loan Costs

On September 27, President Bush signed a new law intended to make a college education more affordable for low- and middle-income families by making changes in federal student loan programs.

One provision of the College Cost Reduction and Access Act would gradually cut in half the interest rates on subsidized Stafford loans during the next five years. Another new program, to start in 2009, will give eligible borrowers (based on their income or a financial hardship) more flexibility when making loan repayments.

Look for details in the coming months at http://www.students.gov, a U.S. government Web site for college students and their families.

FDIC Consumer News is published by the Federal Deposit Insurance Corporation

FDIC Consumer News is produced quarterly by the FDIC Office of Public Affairs in cooperation with other Divisions and Offices. It is intended to present information in a nontechnical way and is not intended to be a legal interpretation of FDIC or other government regulations and policies. Mention of a product, service or company does not constitute an endorsement.

Find current and past issues of FDIC Consumer News at http://www.fdic.gov/consumernews. Refer to this same index to locate the issues that are specially formatted for being reprinted in any quantity.

To receive an e-mail notice about each new issue of FDIC Consumer News posted on the FDIC Web site, with links to stories, follow instructions posted at www.fdic.gov/about/subscriptions/index.html.

Last updated on 11/08/2007

Make better decisions when shopping for banking, debt consolidation and related financial services.

The Debt Consolidation Loan Directory has a growing library of free informative / educational consumer resources for those shopping for many types of services related to the management of your finances, such as credit card consolidation, avoiding fraud and mortgage financing. There is no better way to make decisions regarding the management of your personal finances than understand how they work. Please feel free to visit our consumer information library.

• Fraud that Targets the Elderly - Senior citizens are often the targets of fraud and identity theft. Among the reasons: Some older people have considerable assets (including their own home and savings accounts), they're easy to find at home, and they can be swayed by fears of losing their financial independence. (source: FDIC).
• Vishing: Voice Phishing Phone-Based Scams - The FDIC has warned numerous times about "phishing" scams. This notice from FDIC informs you about "vishing," which stands for "voice phishing." It is very similar to the technique discussed above, except that "vishing" usually is initiated with an email.
• Warning: Identity Thieves Target Young People, Too - Criminals also target young people even though they may be too young to have a checking account or credit card of their own. Identity thieves can use a young adult's name, address and Social Security Number to open fraudulent accounts. This FDIC article offers tips on how to help protect young adults from this type of fraud. This advice is pretty good for adults, as well.

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