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Reported on Monday, February 8, 2010 9:06 PM

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BBB has determined that this business meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.

This company participates in BBB Online. This means the company has agreed to use special procedures including arbitration, if necessary, to resolve disputes.

Based on BBB files, this business has a BBB Rating of A+

Click here for an explanation of BBB Ratings.

eStudentInsurance.com
InternationalCitizens.com
InternationalStudent.com
InternationalStudentInsurance.com
InternationalStudentLoan.com
InternationalStudentNetwork.com
StudyAbroadLoans.com

PO Box 51352, Jacksonville Beach, FL 32240, Duval County
      

(904) 247-1387
(617) 249-0330 (FAX)

This company is in an industry that may require licensing, bonding or registration in order to lawfully do business. The BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.

The BBB has processed no customer complaints on this company in its three-year reporting period.

The BBB has no information regarding Government Actions at this time.

The BBB has no information regarding Ad Reviews at this time.

Grants
Free Cash Grants are Too Good to Be True

You've probably seen the ads: "Free Money! Never Repay Cash Grants for Personal Needs, Medical Bills, Education, Business, Debt Consolidation and more." Sounds too good to be true? Solicitations like this one have been appearing in consumers' email boxes recently. These ads claim that "foundations can be a better source for finance than banks" and "anyone can get an interest free cash grant." The emails encourage consumers to send an application fee of $20 to $50, with the promise that their financial needs and requirements will be matched with the most suitable private foundations. Or, they may promise to provide a list of available grants.

If you decide to respond to these ads, be aware that your name and information may never reach reputable foundations. Generally, obtaining a grant is a complicated process, requiring documentation and research. Although there may exist private foundations whose requirements are based on an individual's personal preference, the vast majority of grant-making foundations require that applicants for funds meet very specific guidelines that the foundation has established, and that the funds be used for specific projects that the foundation wishes to support.

The Better Business Bureau offers the following advice:

Watch out for phrases like "free grant money." Grants do not have to be repaid; thus there is no need to use the word "free."

Organizations do not usually give out grants for personal debt consolidation, or to pay for other personal needs.

Grants are usually given only to serve a social good, such as bringing jobs to an area, training under-employed youth, preserving a bit of history, etc.

Always remember to check out any company you plan to do business with by contacting the Better Business Bureau (BBB). Also check with a regional or state economic development office to see if they know of grant programs for which you might qualify.

Visit your public library. Ask a librarian to help you find reference books describing foundations and the criteria they use in awarding grants.

Be wary if you are asked to provide money up-front to an unknown company before the company will provide the services promised.

If you are having financial problems, there are local non-profit credit counseling services who may be able to assist you with your problem at no charge.

As a matter of policy, the BBB does not endorse any product, service or business.

BBB Reliability Reports are provided solely to assist you in exercising your own best judgment. Information in this BBB Reliability Report is believed reliable, but not guaranteed as to accuracy.

BBB Reliability Reports generally cover a three-year reporting period. BBB Reliability Reports are subject to change at any time.

If you choose to do business with this business, please let the business know that you contacted the BBB for a BBB Reliability Report.

ID: 194258288
Report as of: 2/8/2010 9:06 PM

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