Sentences with phrase «affected by debt»

Eligibility is affected by the debt - to - income ratio (DTI), which accounts for monthly debt payments and total debt overall.

In fact, for these students, «the area of law in which they hoped to practise was the aspect of their academic and personal lives they believed was most affected by their debt.»

While all debt can affect your credit scores, installment loans — loans for a fixed amount — aren't affected by the debt usage ratio the way credit cards are.

By not paying your creditors, your credit will be adversely affected by debt settlement.

Remember, your credit score is not only affected by the debt - to - credit ratio for each individual card, but also the total ratio of all your loans.

Many people's lives are adversely affected by debt.

We use the term «could,» because the rates and fees you pay on a mortgage can also be affected by your debt - to - income ratio.

Richard Cordray, CFPB Director said «Millions of consumers are affected by debt collection, and we want to make sure they are treated fairly.»

To learn more about how your credit score can be affected by debt relief programs and how each program works — >> visit this page next.

The adjustments (once the GNI is normalized to single currency using exchange rates) are mainly affected by debt:

Not exact matches

Other underperformers could include emerging - market stocks, which, while positively affected by any rise in commodity prices, would be vulnerable to further strength in the U.S. dollar, in which much of their debt is denominated.

Further, late - stage financing typically involves more debt, which by its nature is affected by interest rates, he adds.

A significant share of the corporate debt in stressed economies is now owed by companies with weak debt servicing capacity and this could negatively affect bank balance sheets and cut into profits, it added.

As a result, it is now clear that the U.S. is in the latter stages of the multi-year credit cycle, a period when rising corporate leverage negatively affects returns to corporate debt as investors demand higher risk premiums to compensate for the greater volatility created by increased leverage.

A slowing Chinese economy might be good or bad for the world, depending on how it affects the relationship between domestic savings and domestic investment, and this itself depends on whether Beijing drives the rebalancing process in an orderly way or is forced into a disorderly rebalancing by excess debt.

Although the Department of Finance contents that the deficit impact of this initiative is neutral, both «other revenues» and public debt charges are affected by this initiative.

If the authorities are willing to engage in loss - making activities to achieve the GDP growth target, there are two relevant characteristics of an economy like China's that change the nature of the GDP measure: first, economic activity is much less affected by hard - budget constraints than it is in most other economies; and second, bad debt is much less likely to be written down.

Another important point is that the sanctions have served as a catalyst also to reprice the corporate debt of companies such as Gazprom and Lukoil, which are not directly affected by them.

Korea remains the exception, adversely affected by weak consumer spending, which has been weighed down by excessive household debt.

The credit rating agency said the downgrade, which affects about $ 975 million of debt, was prompted by a growing number of lawsuits, federal and state probes, and Michigan legislation that could all hurt the university's finances.

We expect high yield funds could be most affected by events in Puerto Rico, as commonwealth debt makes up some 28 percent of the S&P High Yield Municipal Index.

Examples of these risks, uncertainties and other factors include, but are not limited to the impact of: adverse general economic and related factors, such as fluctuating or increasing levels of unemployment, underemployment and the volatility of fuel prices, declines in the securities and real estate markets, and perceptions of these conditions that decrease the level of disposable income of consumers or consumer confidence; adverse events impacting the security of travel, such as terrorist acts, armed conflict and threats thereof, acts of piracy, and other international events; the risks and increased costs associated with operating internationally; our expansion into and investments in new markets; breaches in data security or other disturbances to our information technology and other networks; the spread of epidemics and viral outbreaks; adverse incidents involving cruise ships; changes in fuel prices and / or other cruise operating costs; any impairment of our tradenames or goodwill; our hedging strategies; our inability to obtain adequate insurance coverage; our substantial indebtedness, including the ability to raise additional capital to fund our operations, and to generate the necessary amount of cash to service our existing debt; restrictions in the agreements governing our indebtedness that limit our flexibility in operating our business; the significant portion of our assets pledged as collateral under our existing debt agreements and the ability of our creditors to accelerate the repayment of our indebtedness; volatility and disruptions in the global credit and financial markets, which may adversely affect our ability to borrow and could increase our counterparty credit risks, including those under our credit facilities, derivatives, contingent obligations, insurance contracts and new ship progress payment guarantees; fluctuations in foreign currency exchange rates; overcapacity in key markets or globally; our inability to recruit or retain qualified personnel or the loss of key personnel; future changes relating to how external distribution channels sell and market our cruises; our reliance on third parties to provide hotel management services to certain ships and certain other services; delays in our shipbuilding program and ship repairs, maintenance and refurbishments; future increases in the price of, or major changes or reduction in, commercial airline services; seasonal variations in passenger fare rates and occupancy levels at different times of the year; our ability to keep pace with developments in technology; amendments to our collective bargaining agreements for crew members and other employee relation issues; the continued availability of attractive port destinations; pending or threatened litigation, investigations and enforcement actions; changes involving the tax and environmental regulatory regimes in which we operate; and other factors set forth under «Risk Factors» in our most recently filed Annual Report on Form 10 - K and subsequent filings by the Company with the Securities and Exchange Commission.

Because everyone knows that, rationally, Congress will vote to increase the debt ceiling in the last stage of the game, that affects how the earlier stages of the game are played: Congress votes for new programs, anticipating that funds for the new programs will be paid for by borrowing.

On the debts owed the company, Mr Addo suggested that advert schedule officers, who were known by clients, should be made to collect debts which were affecting the company's finances.

Bonds are a debt instrument with a guaranteed return, so the issuer isn't really affected by re-sale of existing bonds.

Debts owed by the Electricity Company of Ghana (ECG) and the Aluminium Company Limited (VALCO) to the Ghana Grid Company Limited (GRIDCo) are negatively affecting the operations of the company, the Chief Executive Officer of GRIDCo, Mr William Amuna, has said.

This is in spite of the huge debt left behind by the previous administration which is affecting the Ministry's delivery.

«Disparity in student loan debt between blacks, whites: Black - white disparity in student loan debt affected by family background and parental wealth.»

NEW ORLEANS — Restrictive health - insurance policies and the high debt incurred by medical students will adversely affect the way health care is provided to children, a panel discussing the future of pediatrics said here last week.

Triggered by the known «United States housing bubble», the 2007 - 2008 financial crisis soon led to the 2008 — 2012 global recession and subsequently affected Eurozone by contributing to its sovereign - debt (Baily and Elliot, 2009 & Lin and Treichel, 2012) Although the crisis that the EU faces has been mainly correlated with Greece, the truth is that it has also dramatically shaken many countries of the Southern Europe.

Here are the top 10 districts most affected by the sharing requirement, in terms of the percentage of capital dollars each would have to share after accounting for debt service:

By leveraging an exogenous shock to district borrowing capacities, this paper seeks to estimate the effects of how such changes affect district debt issuance, school resource provision and allocation, and student achievement.

An A rating like Citibank's means that the bank's perceived ability to repay debt is affected by the economy in which it operates.

As far as how the student loans affect your debt - to - income ratio, I'm not sure; however, if they do count (I think they do), your ratio will not really be going up by taking out the new loan, since you are using the money to pay other debt.

Additionally, debt securities of the U.S. government may be affected by changing interest rates and subject to prepayment risk.

This concept implies an excessive poorness caused by the debt that would affect the ability of the debtor of paying for basic needs.

While over 90 percent of student loan borrowers should pay attention to these developments, it should be noted that private loan borrowers aren't going to be affected by the forgiven debt tax bill.

Because refinancing will affect the way that your credit lines are reported to U.S. credit bureaus, your credit score may be affected by consolidating student loan debt.

You can affect the rates you receive by keeping your debts under control and paying your bills on time.

Student loan debt is a $ 1.5 trillion problem and sadly the people most affected by this problem don't even understand the problem.

They should stop attempts to collect debts without proper information and documentation about the debt, stop debt collectors from bringing robo - signed cases in court, crack down on widespread use of threats, harassment and embarrassment in debt collection, and protect consumers from having their credit records unfairly affected by medical debt, among other actions.

«Though some parents may not be adversely affected by taking on student debt at midlife, other parents may be making trade - offs between saving for retirement and paying for their children's college through student loans.»

The use of debt settlement services will likely adversely affect your creditworthiness, may result in you being subject to collections or being sued by creditors or collectors and may increase the outstanding balances of your enrolled accounts due to the accrual of fees and interest.

If you have credit card debt and want to know how it could be affected by bankruptcy or a consumer proposal contact a local Trustee in Bankruptcy to book a free consultation.

Actually, your credit score won't be affected by legal issues of any kind, if you continue to cover any debts you have received.

We expect high yield funds could be most affected by events in Puerto Rico, as commonwealth debt makes up some 28 percent of the S&P High Yield Municipal Index.

Additionally, a stipulation in the settlement would charge a $ 19 million fine to be paid back to borrowers who were affected by any allegedly scheming debt collection methods.

This doesn't necessarily resolve into immediate risks, but it could profoundly affect the path that the economy and financial markets take during the next few years, by making the unwinding of debt much more abrupt.

In addition to paying down your credit card debt, you also need to check your credit score, which is affected by how you make credit card payments.

A credit score is affected by payment history, length of credit history, debt - to - credit ratio, debt - to - income ratio and other financial factors.