Meetings every Sunday 7:30pm-8:30pm.
Meetings every Wednesday 8:00pm-9:00pm.
Student loan debt is a grave concern in modern America. In fact, the amount of debt from student loans topped $1.3 trillion at the end of 2016, and 68% of seniors graduating from public and nonprofit colleges have student debt – the average is $30,100. It takes borrowers an average of 21 years to repay their student loans, while 28% of students are in default (or miss payments for 270 days or more) within five years of entering repayment.
The picture painted by these statistics is clear: many borrowers are in over their heads with student loan debt and are looking for relief. Student loan consolidation or refinancing can be a great tool to use for those looking to save on, or simplify, their monthly payments, but going that route can also have serious consequences if not approached carefully – there are even student loan consolidations scams to be aware of.
That’s why we created this guide – to give borrowers a useful resource that empowers them to choose if student loan consolidation is right for them and which type may best suit their needs. We start by discussing the basics of student loan consolidation and refinancing, and comparing the benefits and drawbacks of federal and private consolidation loans. We then detail a step-by-step guide to using and choosing consolidation loans. The last section is dedicated to identifying the best private consolidation loans for those with a few different financial profiles.
Free telephone support and counseling for all Californians who are thinking about, or simply have questions about quitting smoking.
You can develop a quitting plan that’s right for you—by working one-on-one with a trained telephone counselor. Helpline counseling is easy, convenient, and has been proven to double smokers’ chances of quitting for good. Services are available in multiple languages and special services are available for tobacco chewers, pregnant smokers, teens, and e-cigarette users. Call 1-800-NO-BUTTS today! Counselors are available weekdays, 7 a.m. to 9 p.m., and Saturday, 9 a.m. to 5 p.m. Or sign up 24/7 online.
- English: 1-800-NO-BUTTS (1-800-662-8887)
- Chinese: 1-800-838-8917
- Korean: 1-800-556-5564
- Spanish: 1-800-45-NO-FUME (1-800-456-6386)
- Vietnamese: 1-800-778-8440
- Tobacco Chewers: 1-800-844-CHEW (1-800-844-2439)
Want a little extra support via text messages? You can receive texts each day during the first important weeks of quitting. Text messages are tailored to help at critical points along the way. You can also send questions at any time and a counselor will respond within one business day. Sign up here.
To receive a free packet of materials explaining the nuts and bolts of quitting, call 1-800-NO-BUTTS or click here. You can also find free materials in our online catalog.
Online Help & Referral to Local Programs
Asian-language speakers and Helpline callers who live with children ages 5 and under may be eligible for free nicotine patches, sent directly to their home. To see if you qualify, call 1-800-NO-BUTTS. If you have Medi-Cal insurance, please click here for more information.
State by state guide to safe sleeping accommodation for those who need a little help
Every individual who is homeless could use some assistance. Below you will find a list of shelters for every state as well as information regarding the amenities and any special requirements needed to seek shelter at each accommodation provider.
If you know of a reliable and safe sleeping accommodation provider for the homeless and disadvantaged that is not listed here, please send details including name, address, telephone number and description of services provided to HelptheHomeless@SleepCupid.com
The Student Loan Report was started by Drew Cloud in 2015 to provide unbiased coverage on the latest student loan news and information.
The Student Loan Report also creates resources and guides for borrowers and their families so they make the best decisions when it comes to paying for college and repaying student debt.
If you ever have any questions or need advice, feel free to reach out to us – we are happy to help!
Fostering Opportunity Scholarship Fund’s (FOSF) goal is to expand the educational opportunities for foster students by providing financial support for their higher education endeavors. We pair our scholarship recipients with mentors, who can lend supportive ear and offer advice, as each student transitions into their new environment and meets the challenges of higher education.
The Hand Up Food Pantry focuses on helping people get back on their feet. Not only do we provide food to thousands of San Diegans facing hunger, but by including case managers at distribution sites we open the door to the array of vital services offered at Jewish Family Service. The Hand Up Youth Food Pantry delivers food to several locations throughout San Diego County. Food is distributed once a week at St. Paul’s Cathedral downtown, once a month at Camp Pendleton and Murphy Canyon Military Housing, and as needed to our clients at Chabad Downtown, College Avenue Center, Foodmobile, JFS Turk Family Center, and JFS North County Coastal office.
This website is a fast and easy way for California residents to learn about and apply for medical, food, and cash assistance programs. MyBenefits CalWIN also provides ongoing access to secure and private benefit information.
SnapFresh is a website that helps you find the closest places that accept EBT cards (Food Stamps/SNAP). Enter your address and zip code or cross streets and city to find stores nearby.