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The Elder Law Forum (Plain Talk) - Once upon a time in the United States "loan sharking" was considered a social disease. Now, it is "public policy," formulated, embraced and protected by a Congress that has sold its soul to the money lenders.. NextStudent's Student Loan Consolidation Program Offers Great Rates, Benefits (Market Wire via Yahoo! Finance) - Many college students rushed to consolidate their student loans prior to July 1 when federal interest rates sharply increased. According to Phoenix-based NextStudent, there is hope for those student borrowers who missed the deadline, as rates as low as 4.5 percent are available when accompanied by aggressive benefits and incentives.. Online Gaming: Korea's Gotta Have It (BusinessWeek) - The number of addicts is growing. Will the problem spread to other countries? . Business calendar (Tennessean) - SCORE volunteer on duty , free, confidential, small-business counseling and mentoring, 10 a.m.-1 p.m., business reference area of the Downtown Public Library. 862-5837 or 736-7621.. TWO BAY AREA WHISTLE-STOPS (San Jose Mercury News) - Gov. Arnold Schwarzenegger swept into Palo Alto on Tuesday to sign a bill that adds protections for vulnerable seniors from scam artists offering reverse mortgages, in which homeowners borrow against their equity to receive a line of credit or monthly payments.. Business: SCORE introduces walk-in couseling (The Nashua Telegraph) - NASHUA – The local office of SCORE, the national volunteer association that provides free business advice to small business and entrepreneurs, is now offering walk-in business counseling. . New 1-year cycle begins for free credit reports (Fort Wayne Journal Gazette) - As of Friday, consumers became eligible, once again, to obtain a free copy of their credit reports. Your credit report is the official record of your personal credit history. It includes detailed, personal information, such as where you live, the credit accounts you have (mortgage loans, car loans, credit card balances and the like), and how you pay your bills.. Freshmen, put down those credit cards (Orange County Register) - Some college students don't realize what they're really doing when they use plastic.. Military concerned about payday lenders (Wisconsin State Journal) - SAN DIEGO - With a family to feed and no money for groceries, Navy Yeoman 2nd Class Damon LaForce recently did something the military is trying to crack down on: He went to one of the many payday- lending businesses near his base for an instant loan.. Governor signs anti-scam bill (The Daily Review) - PALO ALTO — Gov. Arnold Schwarzenegger swept into Palo Alto on Tuesday to sign a bill that adds protections against scam artists offering reverse mortgages..