In most cases, resins are the result of a chemical reaction between epichlorohydrin and bisphenol-A. Overall, the creation of epoxy resin is part of an industry that generates over $15 billion US Dollars annually. Epoxy resins have many different uses. For example, resins that are cured through exposure to ultraviolet light are commonly used in fiber optics, optoelectronics, and dentistry. Industrial tooling applications use them to make laminates, castings, fixtures, and molds.
Under a graduated repayment plan, payments start out low and increase during the course of the repayment period. The payments usually increase every two years. For FFEL Loans and Direct Loans that entered repayment on or after July 1, 2006, the loan still must be paid over a period of 10 years.
Although payments aren't due during the grace period, some student loans still accrue interest during this time, increasing the total amount owed. (iStockPhoto) One of the most common misconceptions in the world of student loan repayment may be that repayment does not have to start until six months after graduation. Federal student loans have a grace period, but that period of time often doesnât work the way consumers think.