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	<title>Smart Borrower Blog</title>
	<link>http://www.loan.com/blog</link>
	<description>Tools and advice to help you get the best possible mortgage loan.</description>
	<lastBuildDate>Thu, 19 Nov 2009 05:05:29 +0000</lastBuildDate>
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		<title>Will FHA Mortgages be the Next Mortgage Crisis?</title>
		<description><![CDATA[Federal Housing Administration-backed mortgages are now the next market crisis waiting to happen, according to home builder Robert Toll, CEO of Toll Brothers Inc, the nation&#8217;s largest luxury builder.
&#8220;Yesterday&#8217;s subprime is today&#8217;s FHA,&#8221; Toll said today at a New York builders conference. &#8220;It&#8217;s a definite train wreck and the flag will go up in the [...]]]></description>
		<link>http://www.loan.com/blog/2009/11/18/will-fha-mortgages-be-the-next-mortgage-crisis/</link>
			</item>
	<item>
		<title>Small Businesses Still Struggle to Obtain Loans</title>
		<description><![CDATA[
Even with government stimulus programs, small businesses are constantly struggling just to stay afloat.  Small businesses help to create as much as 80% of new jobs, so this is dismal news for our struggling economy and especially our rising unemployment rate.  Many small businesses have faced reductions in bank credit and it has [...]]]></description>
		<link>http://www.loan.com/blog/2009/11/16/small-businesses-still-struggle-to-obtain-loans-could-help-be-on-the-way/</link>
			</item>
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		<title>Tips for Personal Loans in Today&#8217;s Economy</title>
		<description><![CDATA[In today's struggling economy obtaining a personal loan can be a challenge, but not entirely impossible. More important than ever before you should do your research before filing any loan application. Dotting your i's and crossing your t's can greatly increase your chances of obtaining the loan you desire.]]></description>
		<link>http://www.loan.com/blog/2009/11/09/tips-to-getting-a-personal-loan-in-todays-economy/</link>
			</item>
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		<title>Credit Unions May Offer Best Credit Cards Deals</title>
		<description><![CDATA[According to a recent study released by the Pew Charitable Trust, you may be much better off applying for a credit card from your local credit union than with any of the nation&#8217;s top banks.
&#8220;The observed credit unions presented a distinct alternative to credit card pricing and other practices of
the observed banks,&#8221; the study entitled [...]]]></description>
		<link>http://www.loan.com/blog/2009/11/04/credit-unions-may-offer-best-credit-cards-deals/</link>
			</item>
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		<title>Is That All She Wrote for Private Student Loan Lenders?</title>
		<description><![CDATA[The Student Aid and Fiscal Responsibility Act, currently moving through Congress, would stop the FFELP (Federal Family Education Loan Program). The FFELP has allowed third-party (private) lenders to issue student loans which are backed by the government. In 1992, the Federal Direct Student Loan Program began, which allowed parents and students to borrow directly from the U.S. Department of Education without a FFELP lender or involvement from a bank. If the Student Aid and Fiscal Responsibility Act is passed by Senate vote, critics of the act argue that it will put most private student loan lenders out of business as the law would require all colleges to convert to the federal Direct Loan Program by July 1st.]]></description>
		<link>http://www.loan.com/blog/2009/11/02/is-that-all-she-wrote-for-private-student-loan-lenders/</link>
			</item>
	<item>
		<title>Credit Card Companies Continue to Raise Rates, Lawmakers Shocked</title>
		<description><![CDATA[So, remember that new credit card law that will go into effect next February? The law is an attempt to curb credit card issuer so-called abuses and protect consumers from steep rate hikes.
Well, not surprisingly credit card issuers are not happy about the upcoming restrictions on their business practices. But since the law, which will [...]]]></description>
		<link>http://www.loan.com/blog/2009/10/28/credit-card-companies-continue-to-raise-rates-lawmakers-shocked/</link>
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		<title>Plans to Acquire a Small Business Loan May Still Need to Wait</title>
		<description><![CDATA[If you were hoping that the news of the improving recession means it is getting easier to acquire a small business loan, you likely will have to wait a bit longer. News from Reuters today says that according to PayNet Inc, the number of small business loans that have gone into default, or are behind [...]]]></description>
		<link>http://www.loan.com/blog/2009/10/26/plans-to-acquire-a-small-business-loan-may-still-need-to-wait/</link>
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		<title>New Association Aims to Combat Loan Modification Scams</title>
		<description><![CDATA[NeighborWorks America, a non-profit created by Congress, has launched a national public education campaign aimed at helping homeowners, particularly those facing foreclosure, avoid mortgage modification scams.
Their recently launched website, www.loanscamalert.org, provides information and resources to help spot scams, as well provides a central place to notify authorities of scams they may have encountered. In addition [...]]]></description>
		<link>http://www.loan.com/blog/2009/10/26/new-association-aims-to-combat-loan-modification-scams/</link>
			</item>
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		<title>Obama Promises More Help for Small Businesses</title>
		<description><![CDATA[President Obama is not happy with the nation&#8217;s banks. They have been too stingy in lending money to small businesses in the past year, he says. The Federal Reserve backs up his statements, reporting that total loans from banks are down $476 billion since December 2008 and commercial and industrial loans are down $204 billion. [...]]]></description>
		<link>http://www.loan.com/blog/2009/10/21/obama-promises-more-help-for-small-businesses/</link>
			</item>
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		<title>Ten Percent of Community College Students Do Not Have Access to Federal Student Loans</title>
		<description><![CDATA[According to the Project on Student Debt, there are about 900,000 students at community colleges in 31 states who do not have access to federal student loans because their colleges do not participate in federal loan programs. What&#8217;s more, 362,000 community college students (2 out of 3 students) who do have access to federal loan [...]]]></description>
		<link>http://www.loan.com/blog/2009/10/19/nearly-1-out-of-10-community-college-students-do-not-have-access-to-federal-student-loans/</link>
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