<div style="margin: 12px 0px; font-family: arial; color: #333333; background: #ffffff; border: solid 4px #e5e5e5; width: 100%; clear: left;"><div class="CM_CTB_Content_Wrap" style="margin: 0px; padding: 0px;background-color: #ffffff;"><div style="border-bottom: solid 1px #dcdcdc; white-space: nowrap; margin-bottom: 8px; background-color: #eeeeee ;background-image: url(http://clipmarks.com/images/source-bg.gif); background-repeat: repeat-x; height: 24px; line-height: 24px; vertical-align: middle; padding-bottom: 4px; color: #666666; font-size: 10px;" ><a href="http://clipmarks.com/clip-to-blog/" title="see clips that are hot right now"><img src="http://content.clipmarks.com/blog_embed/765ac76e-84a0-4506-820f-b55d5618b178/D0688982-7EDE-49DB-A259-2D0DEFB53FFC/" alt="" width="19" height="19" border="0" style="vertical-align: middle; margin: 0px 4px; display: inline; border: none; float:none;" /></a>clipped from <a title="http://www.ehow.com/how_4739232_lower-bills-save-money.html" href="http://www.ehow.com/how_4739232_lower-bills-save-money.html" style="font-size: 11px;">www.ehow.com</a></div><blockquote style="text-align: left; padding: 0px 8px; margin: 4px 0px 8px 0px; background: transparent; border: none;" cite="http://www.ehow.com/how_4739232_lower-bills-save-money.html"><H1 class="SubHeader">How to Lower Your Bills and Save Money</H1></blockquote><div style="height: 2px; font-size: 2px; background: #dcdcdc; border-bottom: solid 1px #f5f5f5; margin: 2px 4px;"></div><blockquote style="text-align: left; padding: 0px 8px; margin: 4px 0px 8px 0px; background: transparent; border: none;" cite="http://www.ehow.com/how_4739232_lower-bills-save-money.html"><DIV class="label">Step<SPAN class="background"><SPAN class="number">1</SPAN></SPAN></DIV></blockquote><div style="height: 2px; font-size: 2px; background: #dcdcdc; border-bottom: solid 1px #f5f5f5; margin: 2px 4px;"></div><blockquote style="text-align: left; padding: 0px 8px; margin: 4px 0px 8px 0px; background: transparent; border: none;" cite="http://www.ehow.com/how_4739232_lower-bills-save-money.html"><DIV>The economy's downward spiral has affected everyone. There are record numbers of layoffs these days and decreased spending all over the country. Most people are having to really tighten their wallets- and if you're here reading this article, you're probably one of them.</DIV></blockquote><div style="height: 2px; font-size: 2px; background: #dcdcdc; border-bottom: solid 1px #f5f5f5; margin: 2px 4px;"></div><blockquote style="text-align: left; padding: 0px 8px; margin: 4px 0px 8px 0px; background: transparent; border: none;" cite="http://www.ehow.com/how_4739232_lower-bills-save-money.html"><DIV> If you have taken out student loans, you may be able to defer them up to one year. You can usually do this if you are in school half-time or more, and you can also do so by filing for an "economic hardship" deferment. This is a far better option than defaulting, as it does not report negatively on <A class="iAs" classname="iAs" href="#" target="_blank" itxtdid="7944519">your credit</A> and does not increase your balance by adding needless late fees. Your account needs to be in good standing to defer. Most loans will continue to accrue interest while being deferred. A few loans, such as a Direct Stafford loan, do not accrue interest while your loan is in deferment. </DIV></blockquote></div><div style="margin: 0px 6px 6px 4px;"><table style="font-size: 11px;border-spacing: 0px;padding: 0px;" cellpadding="0" cellspacing="0" width="100%"><tr><td style="background:transparent;border-width:0px;padding:0px;">&nbsp;</td><td align="right" style="background:transparent;border-width:0px;padding:0px;width:107px" width="107"><a href="http://clipmarks.com/share/D0688982-7EDE-49DB-A259-2D0DEFB53FFC/blog/" title="blog or email this clip"><img src="http://content9.clipmarks.com/images/c2b-foot.png" border="0" alt="blog it" width="107" height="17" style="border-width:0px;padding:0px;margin:0px;" /></a></td></tr></table></div></div>

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