Cuba, February 9-16
Cuba is one of the world’s hottest destinations and it
promises to be unlike anywhere else you’ve visited. This beautiful island nation
is culturally rich. Its beaches, bays, mountains, exuberant music and exquisite
art will amaze you. This seven-night cruise on the Celestyal Crystal features
stops in Havana, Cienfuegos and Santiago de Cuba.
Italy, February 17-25
Italy is the No. 1 tour destination for Americans, as well as
for Durgan Travel. This fabulous seven-night stay includes visits to Florence,
Venice, Pisa, Siena, Montecatini, Lucca and Cinque Terre. Between scheduled
visits, travelers have free time to visit some of the greatest museums in the
world, take a gondola ride, shop and sample some vernaccia, the famous wine
of San Gimignano. This tour takes place during school vacation week. Space
will fill quickly.
Citizens’ online portal makes it easy to get an
estimated refinance rate as well as to apply for a
loan. Receiving an estimate does not obligate a
member to pursue a Citizens loan, nor does the
inquiry affect one’s credit score. However, submitting
an application does initiate a credit check.
Before refinancing their student loans, all MTA
members are encouraged to take advantage of
MTAB’s existing student loan counseling program
so they can learn about all of their options regarding
student loan repayment, including eligibility for
*To qualify for the principal balance reduction, the borrower or co-signer (if applicable) must apply after 05/15/17, be approved,
and disburse a Citizens Bank Education Refinance Loan through the MTA Benefits-dedicated Citizens Bank website. The principal
balance reduction will be calculated as 1 percent of the amount financed, with a maximum of $1,000 for the Education Refinance
Loan. The loan must be in good standing at the time the Principal Balance Reduction Benefit is applied. Only one Principal Balance
Reduction Benefit is allowed per primary borrower for the Citizens Bank Education Refinance Loan. Principal reduction will be
applied with an effective date equal to the loan’s first disbursement date. Principal reduction may take up to second billing cycle
to display on monthly statement following the loan’s final disbursement and may be reduced if the loan amount is reduced or
canceled. The Principal Balance Reduction Benefit will be processed as a reduction of principal to the loan and will not impact the
required monthly payment amount or the payment due date for the loan. The value of the Principal Balance Reduction Benefit may
be reported to the IRS. You are solely responsible for any taxes that may be owed as a result of the principal balance reduction
earned. Please consult your tax advisor. Citizens Bank, N.A., does not provide tax advice. Citizens Bank reserves the right to modify
these terms or cancel this offer at any point in the future for new applications.
**U.S. Department of Education. The loan fee is a percentage of the loan amount and is proportionately deducted from each loan
disbursement. For loans first disbursed between October 1, 2016, and September 30, 2017, the origination fee is 4.276 percent.
MTA Benefits launches student loan refinancing program with Citizens Bank
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If you’re like most of us, you intend to take trips during school vacations. But it’s virtually impossible to find the time to decide
where to go and to coordinate all of the arrangements. MTAB has a great solution: group tours through Durgan Travel! We’ve
selected a variety of popular destinations and great dates in 2018. These tours will fill up quickly, so select your trip and book soon!
Ireland, april 14-22
This seven-night tour of the best of the Emerald Isle
includes a three-night stay in Killarney, one night in Waterford, two nights in
Dublin and one night in Ennis. Experience traditional pubs, with their lively
atmosphere and entertainment. This tour will bring you to areas where you
can delight in majestic coastal views, hidden coves, historic sites and varied
mountain scenery. This tour takes place during school vacation week. Space
will fill quickly.
ChIna, July 5-15
After a nonstop flight to Beijing, enjoy a nine-night trip
exploring the wonders of China. From Tiananmen Square and the Forbidden
City to the Great Wall of China and the terra-cotta army museum, you’ll be
in awe of the sites you see. Cruise down the Li River, learn how the Chinese
socialize by dancing, singing and exercising, and experience the famous
Shanghai Xiaolubao acrobatic troupe dinner show. This trip will be one
you’ll never forget!
Durgan Travel Service has been serving the group travel
community in New England for more than four decades.
A favorite of many MTA members, Durgan features
all or mostly inclusive European vacations at super low
group rates. Durgan also has a full schedule of domestic
and worldwide tours. Durgan is known for its incredibly
low-priced European tours, developed over the last two decades.
Let Durgan Travel make it easy and affordable to experience the
beauty and diversity of the world with fellow MTA members!
Visit mtabenefits.com/benefits/travel and click on Vacation Center.