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    Student consolidation

  • In the United States both the Federal Family Education Loan Program (FFELP) and the Federal Direct Student Loan Program (FDLP) include consolidation loans that allow students to consolidate Stafford Loans, PLUS Loans, and Federal Perkins Loans into one single debt. This results in reduced monthly repayments and a longer term for the loan. Unlike the other loans, consolidation loans have a fixed interest rate for the life of the loan.

    See Wikipedia, Federal student loan consolidation, http://en.wikipedia.org/wiki/Federal_student_loan_consolidation (optional description here) (as of Jan. 4, 2008, 07:25 GMT).


  • York Photo Lab

  • indows Photo Gallery is a photo management, tagging, and editing tool that is included in Windows Vista. Windows Photo Gallery is available in all editions of Windows Vista; however, themed photo slideshows with smooth transitions are only available in the Home Premium and Ultimate editions.

    An upgraded version of Photo Gallery released under the Windows Live brand known as Windows Live Photo Gallery which can be downloaded from Windows Live Installer and also runs on Windows XP includes new features viewing color histogram of an image, panoramic stitching and auto-tagging during importing and also the ability to share photos by uploading them to Windows Live Spaces or Flickr.

    See Wikipedia, Windows Photo Gallery, http://en.wikipedia.org/wiki/Windows_Photo_Gallery (optional description here) (as of Jan. 7, 2008, 05:07 GMT).