{"id":73279,"date":"2012-05-02T19:12:18","date_gmt":"2012-05-02T23:12:18","guid":{"rendered":"http:\/\/www.freestufftimes.com\/contests\/?p=73279"},"modified":"2012-05-02T19:12:18","modified_gmt":"2012-05-02T23:12:18","slug":"smarterbank-crushstudentdebt-sweepstakes","status":"publish","type":"post","link":"https:\/\/www.freestufftimes.com\/contests\/02\/smarterbank-crushstudentdebt-sweepstakes\/","title":{"rendered":"SmarterBank #crushstudentdebt Sweepstakes"},"content":{"rendered":"

http:\/\/www.crushstudentdebt.com\/<\/a>
\nVoid in New York, Florida, Rhode Island and Utah<\/p>\n

PRIZE REDEMPTION. Two (2) redemption options are available to the winner. The winner will select the redemption option they prefer.<\/p>\n

The first option is a pre-tax lump sum payment equal to the amount of outstanding Educational Debt of the winner. In this case, the winner will be personally responsible for any federal, state, and other tax obligations associated with receipt of the prize. For example, if the winner has $25,000 in Educational Debt and selects this option, $25,000 of their outstanding Educational Debt will be paid in full and the winner will be personally liable for federal, state and other tax obligations associated with receipt of the prize.<\/p>\n

The second redemption option is intended to assist the winner with any federal, state or other tax obligation related to the prize by providing the winner with a check to pay such taxes (\u201cTax Gross-Up Payment\u201d). The total payment including both Tax Gross-Up Payment and Educational Debt repayment shall not exceed $25,000. The Educational Debt repayment also shall not exceed the winner\u2019s outstanding Educational Debt. The Tax Gross-Up Payment will be computed based upon the actual value of Educational Debt repayment and assuming that prize winner\u2019s combined tax rate for all federal, state, and other tax obligations related to such prize is 34%. The Tax Gross-Up Payment may not be sufficient to cover the winner\u2019s entire tax liability related to winning the prize, depending on winner\u2019s tax bracket, state of residence, etc. winners\u2019 reportable winnings and the gross-up payment will be included on winner\u2019s 2012 Form 1099-MISC. Sponsor will comply with all tax reporting requirements. For example, if the winner has $25,000 in Educational Debt and selects this option, the Education Debt Repayment will be $16,250 and the winner will also receive a check for $8,750 to pay for taxes associated with receiving the prize.<\/p>\n

PROOF OF LOAN BALANCE. To determine the amount of the prize, the winner must also provide proof of his\/her student loan balance. Proof of the loan balance can be provided through a current statement from the winner\u2019s loan servicer(s) that includes the winner\u2019s contact information that matches the information submitted with their entry (address, phone, etc.), an account number, a servicer address (including P.O Box), the current balance and a 10 day payoff balance.<\/p>\n","protected":false},"excerpt":{"rendered":"

http:\/\/www.crushstudentdebt.com\/ Void in New York, Florida, Rhode Island and Utah PRIZE REDEMPTION. Two (2) redemption options are available to the winner. The winner will select the redemption option they prefer. The first option is a pre-tax lump sum payment equal to the amount of outstanding Educational Debt of the winner. In this case, the winner […]<\/p>\n","protected":false},"author":7783,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[8],"tags":[],"fst_prize":[],"class_list":["post-73279","post","type-post","status-publish","format-standard","hentry","category-one-entry"],"yoast_head":"\nSmarterBank #crushstudentdebt Sweepstakes - Free Stuff Times Contests<\/title>\n<meta name=\"description\" content=\"http:\/\/www.crushstudentdebt.com\/ Void in New York, Florida, Rhode Island and Utah PRIZE REDEMPTION. 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