With federal student loan consolidation, student borrowers save time and money, as all loans are combined together into one simple loan, making payment more manageable. There are no fees, charges or prepayment penalties. In addition, depending on the repayment term, borrowers easily can save thousands over the long term.

NextStudent's federal student loan consolidation application process is easy, and students do not need to know their current student loan portfolio. There are no credit checks and a co-signer is not needed. The no-hassle application has four simple steps and is done with Electronic Signature.

Repayment can be as much as 30 years, depending on the total balance of the student borrower. Repayment options include graduate and income-sensitive. Also available are deferment and forbearance options.

Student loan borrowers should take advantage of their grace period to receive the automatic .6 percent rate reduction to consolidate their student loans . By taking advantage of NextStudent's aggressive incentives, borrowers can receive an even lower interest rate and save thousands over the long term.

Student loan borrowers who submitted incomplete applications and missed the July 1, 2006 deadline to consolidate student loans still may have a chance to receive a lower interest rate. Federal interest rates on student loans increased on July 1, 2006, but some borrowers may still be eligible to avoid the interest rate increase, according to NextStudent, the Phoenix-based education funding company.

Many student loan consolidation applications were not completed prior to the July 1, 2006 deadline due to the great demand for consolidation. Therefore, student borrowers who missed the deadline are making higher student loan payments since interest rates have jumped by 39 percent.

There is hope for borrowers in that the U.S. Department of Education as of July 1, 2006 extended the deadline for student loan consolidation to those borrowers who have a partially completed application on file with a lender. Numerous partially completed consolidation applications from incoming callers and online inquiries are on file at NextStudent. These applications were started prior to the July 1, 2006 deadline and many simply lack a signature. However, the Department of Education through its deadline extension is allowing these borrowers to consolidate at the pre-July 1, 2006 rates.

Student borrowers must act now and call NextStudent to sign their applications to receive the lower consolidation rate. There is not much time left, as the extension deadline most likely will expire by December 2006. In order to receive the pre-July 1, 2006 interest rates and save thousands,
NextStudent's Consolidation Comparison Calculator

There is hope for those student borrowers who are not eligible for the pre-July 1, 2006 interest rates. NextStudent can help through its student loan consolidation program, which cuts monthly payments as much as 60 percent.

Student loan borrowers do not need to make numerous phone calls to get different quotes from lenders. Through use of NextStudent's new student loan consolidation comparison calculator, borrowers are able to view and compare rates, payments and discounts offered by the industry's top consolidation lenders.

The consolidation comparison calculator is free. It is coded in an easy format, whereby webmasters can simply copy and paste the code and offer it directly from their own Web sites so that all borrowers can take advantage of its benefits on any web site.

NextStudent wants all student borrowers to be able to take advantage of the best consolidation rates available. By offering great rates and top-notch discounts, along with a free student loan consolidation comparison calculator, NextStudent is there to help all borrowers receive the best possible offer.

About NextStudent

NextStudent, federal lender code 834051, is dedicated to helping students and their families find affordable ways to pay for college. NextStudent offers one-on-one education finance counseling and has a portfolio of highly competitive education finance products and services including a free online scholarship search engine, federally guaranteed parent and student loans , private student loans, both federal and private student loan consolidation programs, and college savings plans.

The NextStudent Scholarship Search Engine, one of the nation's oldest and largest scholarship search engines, is updated daily, available free of charge, completely private -- and represents 2.4 million scholarships worth $3.4 billion

According to NextStudent, the Phoenix-based premier education funding company, recent graduates still have time to save when consolidating their student loans , but time may be running out to lock-in a little-known discount offered by the company.

Once a student graduates, a six-month grace period goes into effect during which time the borrower is exempt from making payments. Many borrowers consolidate student loans during this time, taking advantage of low interest rates, which have increased from historical lows prior to July 1, 2006.

Those who have not yet participated in student loan consolidation may still lock in rates as low as 4.5 percent, fold all student loans such as the federal Stafford Loan or Parent Loan for Undergraduate Students (PLUS Loans) into one easy-to-manage package, reduce payments by up to 60 percent and attain significant savings and benefits.

Many borrowers are not aware of the .6-percent discount extended by NextStudent to those who have recently graduated. In order to qualify, students must have a student loan balance of $10,500 or more and must consolidate prior to the expiration of the six-month grace period.

The .6-percent discount applies to both undergraduates and postgraduates who have just completed their course of study and consolidate within that grace period. Students and their parents who wait to consolidate student loans may have fewer options available to them, as interest rates are increasing and the .6-percent NextStudent discount is available for a limited time.

Since the federal government sets the rates for federal student loan consolidation , the only difference between lenders is the benefits and incentives offered to borrowers. When students select NextStudent as their student loan consolidation lender, there are many incentive packages from which to choose that will result in significant savings.

Qualifying is easy and takes as little as 5 minutes over the phone with a personally-assigned Education Finance Advisor. In addition, no co-signer, credit check or fees are required and the borrower has up to 30 years to repay.

Students and their parents have three packages to choose from when consolidating with NextStudent. These include the Standard Locked, 2%, and Google Package. Whichever package is selected represents a wise decision by the borrower.

All three include an automatic .25-percent discount when the borrower pays via Auto-Debit. The Standard Package rewards borrowers who make 36 consecutive on-time payments with a 1-percent LOCKED discount. The 2% Package awards a 2% discount for the same 36 consecutive on-time payments. With the Google Package, borrowers receive a 1-percent discount for 36 consecutive on-time payments, but also a .375-percent discount after six months of on-time payments.

About NextStudent

NextStudent, federal lender code 834051, is dedicated to helping students and their families find affordable ways to pay for college. NextStudent offers one-on-one education finance counseling and has a portfolio of highly competitive education finance products and services including a free online scholarship search engine, federally guaranteed parent and student loans, private student loans , both federal and private student loan consolidation programs, and college savings plans.

The NextStudent Scholarship Search Engine, one of the nation's oldest and largest scholarship search engines, is updated daily, available free of charge, completely private -- and represents 2.4 million scholarships worth $3.4 billion.

According to NextStudent, the Phoenix-based premier education funding company, borrowers' credit scores may be improved through student loan consolidation . When borrowers consolidate their federal student loans , they pay off the outstanding balances on their pre-existing loans with the new consolidation loan. These "payments in-full" then are reflected on the borrowers' credit reports, revitalizing poor credit or supporting excellent credit and enabling borrowers to qualify for lower interest rates on mortgages and car loans.

Federal student loan consolidation is made possible by a program created by Congress to help students with student loan repayment by extending the loan term to 30 years to lower monthly payments by up to 60 percent. This program is intended to help the newly graduated student headed into the working world and parents concerned with cash flow.

Federal student consolidation loans are fixed-rate loans, whereby the interest rate is determined by taking a weighted average of the interest rates on all student loans to be consolidated and rounding up to the nearest 1/8 of a percent or 8.25 percent, whichever is less. Because this is a federal program, lenders must qualify to become part of the program and must use the same terms to determine the consolidated interest rate. The only real difference among lending companies offering student loan consolidation are the incentive packages they offer at consolidation.

NextStudent assigns each borrower a personal Education Finance Advisor to help guide students and parents through the consolidation loan process. NextStudent's easy online application with Electronic Signature enables borrowers to secure student loans in as little as 15 minutes. Consolidation with NextStudent is free of charge and there are no fees or prepayment penalties. Student loan consolidation is a smart financial strategy, and it is easy to qualify for the NextStudent Federal Student Loan Consolidation Program. All a student or parent needs to qualify is a total of $10,500 or more that includes at least two federal student loans. Consolidation helps borrowers manage their loans by lowering monthly payments up to 60 percent and eliminating multiple check writing. The program does not require credit checks or co-signers and is a great way to make student loans more manageable.

About NextStudent

NextStudent, federal lender code 834051, is dedicated to helping students and their families find affordable ways to pay for college. NextStudent offers one-on-one education finance counseling and has a portfolio of highly competitive education finance products and services including a free online scholarship search engine, federally guaranteed parent and student loans, private student loans , both federal and private student loan consolidation programs, and college savings plans.

The NextStudent Scholarship Search Engine, one of the nation's oldest and largest scholarship search engines, is updated daily, available free of charge, completely private -- and represents 2.4 million scholarships worth $3.4 billion.

BEING big doesn't always mean having the highest profile. All Student Loan is a prime example.

The non-profit, officially named Access to Loans for Learning Student Loan Corp., is the largest charitable organization in Los Angeles County, as measured by its 2003 assets of $850 million. Yet few outside of higher education know it even exists.

The Los Angeles-based institution was the fifth-largest originator of higher education loans in California in 2003, grabbing 5 percent of the market, behind a handful of large players such as Sallie Mae and Bank of America.

In this school year, All Student Loan is expected to originate $170 million in loans to students in school, plus another $90 million in consolidation loans for students who have already graduated.

"Despite our size in the non-profit world, in the banking world we are a fairly small player," said Chief Executive Christopher Chapman.

THE cost of higher education creeps higher and higher each year, at both public and private colleges and universities. And with that increase comes the need for more financial assistance in the form of not only scholarships and grants, but also student loans.

About 64 percent of all students borrow money to finance college. Annual student loan volume more than doubled from 1990 to 2000 to $37.4 billion, according to one study.

There are two sources for financial aid, one from the federal government and the other from private or consumer companies, including colleges and universities. One report shows that federal aid has changed drastically since 1980. Federal student loans--Perkins or subsidized and unsubsidized Stafford loans--now account for 59 percent of student aid. Grants account for 41 percent of student aid. Twenty years ago, the debt-grant ratio was exactly the opposite.

To aid you in the process of applying for financial aid, here are 10 things you and your family should consider:
Build a financial plan. That way, when you do apply for financial aid, you have a better idea of what you and your family can afford to contribute. It's important to note, however, that not all schools participate in all federal student aid programs. Experts say you should check with your high school guidance counselor or your school's financial aid office to make sure your school participates in the federal programs you are interested in.

2. Obtain and complete a FAFSA (Free Application for Federal Student Aid). A FAFSA opens the door to the financial aid process. This application will help you determine if you're eligible to receive not only federal financial aid, but also aid from private sources, says Sandra R. Dunn, chief marketing and sales officer for Chela Financial, a San Francisco-based education financer. "It's an important first step," Dunn says, "even if you or your parents don't believe you're eligible for federal financial aid."

3. Find out what, if any, loans you've been awarded. By using your award letter, you can figure out which need-based loans you've been given and in what amounts. Depending on your year in school, loan amounts range from just under $3,000 to more than $5,500, says Katarrah Basnight of Killeen, Texas, a financial aid counselor with Sallie Mae, an education lending service.

4. Don't borrow more than you need. Look at alternatives. Just because they've offered you the maximum amount, it doesn't mean that you have to accept the maximum amount. Take a second look at your expenses and see where you can make cuts. You may want to work off-campus or during breaks or during your summer vacation to save money for the school year.

5. Find the free money. Make sure you've exhausted all scholarship opportunities. Apply for any and every scholarship you can find. If necessary, you may even want to appeal your financial aid package from the school of your choice.

6. Move quickly to complete your loan application. Once you've determined your financial need, apply for a loan right away. It may take up to two months for approval to come through. Think about accepting the loan with the best terms. The lower the interest rate, the less you'll have to repay once you've completed your education.

7. Understand the terms of your loan. Most lenders will give you all of the information you need to grasp the full financial picture. What any borrower must understand is that once he or she has accepted a loan, he or she agrees to the terms of repayment, with interest. For federal loans, interest rates vary from about 4 percent to 8 percent and are set each July.

8. Fill in the gaps. Not everyone's financial needs are met by federal student aid. Maybe the parental contribution isn't as high as anticipated, or perhaps a scholarship fell through. Whatever the case, many students apply for consumer or private loans, according to experts. This money can be used to cover unforeseen expenses, such as books, a computer, trips home and other items not covered by federal student aid. Because many of these loans have higher interest rates, experts advise that you save this option for last.

9. Understand repayment. As you near the end of your college career, make sure you realize your options for repaying the loan. And if you're struggling to make payments, many lending agencies offer loan forbearance or deference if your circumstances warrant such an action. The alternative, defaulting on your student loans, can be a devastating blow.

"Having a defaulted loan destroys your credit," says Basnight, a senior college answer representative for Sallie Mae. "You could get into several types of collection activities, including garnishment of your wages."

Q Twenty-five years ago, I completed three years [of undergraduate study] and I need to return to school to complete my degree. Ply student loans are in default, and the university will not release my transcripts unless I pay off the debt in full. Unfortunately, I'm not in a position to pay off the debt. And my credit is terrible, so applying for a loan is out of the question. Do you know of any grants, scholarships, or programs designed to help someone in my position?

--J.M.

Via the Internet

A When you default on a student loan, the maturity date is accelerated--making the payment due in full. However, there are some options for repayment. According to Federal Student Aid repay the loan in full, make six agreed-upon payments over a six-month period, or consolidate your loan through a federal consolidation loan program. Or, you can rehabilitate your loan, which requires 12 consecutive, affordable monthly payments. The remaining loan will be in repayment for nine years, making you eligible for additional student financial aid,

For information on grants, contact the financial aid office of the school you plan to attend. For scholarship information, read "How to Find Up to $100,000 in Scholarship Aid" in our February 2004 issue.

Philip Jones wanted nothing more than to marry his fiancee, fly away to Costa Rica, and embark on the rest of his life. But something was holding him back--the $40,000 in student loans he owes to Direct Loans and Sallie Mae.

Jones, 30, was stressed out because he knew that if he fell behind on his loan payments, the U.S. Department of Education could provide offsets against Social Security payments and garnish his wages and tax refunds, without a court order. Until recently, only the Internal Revenue Service wielded such power.

Luckily, the 2004 graduate of Rutgers University College of Engineering knew a little something about forbearance, a temporary suspension of loan payments that most lenders will allow when times are tough. For Jones, his wallet was being pulled in too many directions; he was trying to pay for a house, a wedding, and a honeymoon within a six-month period.

"I didn't have to make a payment for six months, so that money went toward the wedding and honeymoon. It's easing the financial stress," says the mechanical engineer, who works for Hayes Pump Inc., an industrial equipment distributor in Fairfield, New Jersey.

Student groups and others are mounting an aggressive, last-ditch effort to stop $12.7 billion in student aid cuts that still require one more affirmative vote on Capitol Hill.

At issue are cuts to student loan programs that are likely to bring higher interest rates for parents or students borrowing funds for college (see Diverse, Jan. 26). These cutbacks make up about one-third of a $39 billion deficit reduction bill that many lawmakers thought they would finish in December.

While both the House of Representatives and the Senate narrowly approved the plan in December, a late parliamentary maneuver by Senate Democrats is forcing the House to vote again on the measure. The vote is tentatively scheduled for this month.

Student aid advocates have a "significant opportunity" to defeat the proposal, says Luke Swarthout, higher education associate for State Public Interest Research Groups. Many House members had little time last month to digest details of the $39 billion in budget reductions before a vote. The 774-page bill was released at 1 a.m. on one of the last days of the session, with a final vote scheduled just five hours later, at 6 a.m., Swarthout says.

Get a break on your payments so you can manage your other debt, too.

It's payback time for students who graduated from college last spring owing money on federal student loans. Your six-month-long grace period is about to end, and the money you owe--an average of $16,600 for undergraduates 18 to 25, according to Nellie Mae, a major student-loan provider--is looming large. The burden is still heavier when you add on credit card debt, which Nellie Mae says averages $2,000 for the same group of students, and maybe even payments you're making on a new car. What's the best way to balance the load?

Rebecca Carter has a plan. Carter, 31, is a veteran of student loans, having repaid about $7,500 from her first stab at college a decade ago. Two years ago she returned to school to complete her degree in business administration at Eastern Nazarene College, in Quincy, Mass.; she graduated in August with $23,000 in outstanding loans.

Carter is wiser, if not richer, the second time around. Before she begins repayment next March, Carter plans to consolidate loans from three lenders (with interest averaging about 7.5%) into a new loan from a single lender, and to extend the payment term from the standard ten years to 20 years. Carter estimates that loan consolidation will reduce her monthly payments 40%, so that she'll pay between $200 and $250 a month. That will give her breathing room to make payments on her more-expensive car loan at 11%

Once the car is paid off, she hopes to put the extra money toward the student loans and still repay them in ten years. "I understand debt a lot better this time around because I've lived it," says Carter, who is also a manager of loan origination at Nellie Mae.

A WINNING STRATEGY. Carter's plan to knock off her more-expensive loan first and then concentrate her resources on her remaining debt is a winner, says Amy Cole, an educator at the Consumer Credit Counseling Service of Southern New England. A credit card charging 18% interest is a heavier burden than a student loan: The highest rate on student loans currently outstanding is 8.25%. If student loans are your only liability, focus first on those with the highest rate. Even if your budget is tight, don't rule out investing some of your resources if you can earn a higher return than the interest rate you're paying on your loan.

The standard repayment plan for student loans calls for equal monthly payments and a ten-year payback period. If that's more than you can afford, call your lender before the grace period ends to ask about other repayment options. For example, Carter is a prime candidate for loan consolidation because she owes money to three different lenders at different rates. With the consolidated loan, the interest rate will be a weighted average of all the loans, rounded up by one-fourth of a percentage point. Variable rates for government-sponsored Stafford loans are unusually low now, so consolidating locks in an attractive rate. Once you're locked in, however, you're stuck if the Stafford rate happens to drop in the future.

When consolidating loans, start with your current lender, advises Robin Leonard, author of Take Control of Your Student Loan Debt (Nolo.com, $19.95; 800-992-6656), and shop elsewhere if you don't like the terms. The U.S. Department of Education, for example, is offering an interest-rate reduction of 0.6 percentage point for borrowers who consolidate before starting repayment. Most lenders will also reduce the interest rate if you pay electronically, with a further reduction of two percentage points once you make 48 consecutive on-time payments.

OTHER TACTICS. If a loan consolidation doesn't suit your needs, consider a graduated repayment plan, which starts out with monthly payments that are about 50% of those under a standard plan. Payments will gradually increase until you're paying more each month than you would under a standard plan: While the higher payments may be manageable if you expect your salary to keep pace, there's a chance you'll have difficulty qualifying for another loan, such as a mortgage, later on. And you do end up paying more in interest, especially if you take more than ten years to repay. "Once you lower the payment or increase the term, a $25,000 loan can end up costing $40,000," says Diane Saunders of Nellie Mae.

Gucci has always been known to offer high fashion, modern sophistication when it comes to their purses. But the latest handbags by Gucci are edgy, bold and carry all the elements of a must-have. These new Gucci styles include the Indy, Romy and Mirror – all updated for a great new look this year.

The Indy Handbag

The new Indy top handle bag comes in both medium and large sizes. The Indy handbag gives the look of polished, Asia-inspired fashion with a touch of bold. The purse features tassels with bamboo tops, colorful designs and detachable shoulder strap. Inspired by the hobo style, this Indy bag is available in silver leather, white, red python, chocolate leather, black suede and black leather. Each style has its own unique embellishments and designs. The Indy handbag by Gucci starts at $1990.

The Romy Handbag

The Romy medium tote this year stands out in the crowd! That’s because of the shine in the texture of the bag. This purse incorporates grommet, buckles and bright, white metal. Lay this out on shiny, silver python or black patent leather and you’ve got yourself a Romy tote. The handles are a cut-out style and go with the high-tech look of the overall purse.

The Romy Boston bag is equally unique and is styled similarly to its tote sister. The Romy Boston purse comes in both medium and large and is available in black python and black patent leather. Like the tote, the Boston bag material is shiny and bold with metal embellishments, although this style is subtler. The Romy purses by Gucci sell for $1695 to $3500.

Lately I’ve been really paying attention to the way young girls and women apply their makeup. Sometimes I’m pleased, and sometimes I feel it’s so unfortunate that women are cosmetically challenged. Stay with me girls!

Wow where do I begin? Ok, well first let me talk about ethnic differences and why these differences are imperative when thinking about appropriate colours in the application of makeup. If you are fair, you do not want to cake on the bronzer and black eye liner. Moreover if you are brown, black or caramel toned, you want to stay away from pastels and cherry blush’s. It is winter ’07 and we all need to be on top of our wardrobe and our colours. A great night time look which I absolutely love (in fact, I think I think I might wear it on my date tomorrow night), is a turtle neck sweater with some great boots and a wonderful smoky eye and bronzed face to compliment this fashionable night time look. If you are fair, stick to light grays and browns. If you are dark try out some rich grays and black for contouring and shaping the eye.

During the day, doing my usual routine, I tend to unconsciously people watch without even noticing. I always realize when I’m in line at Starbucks what my next column is going to be about. Ladies, can we please, pretty please, stay away from electric blue eye shadow? Or purple, green, red or orange? Unless you are in a dance recital or play, this is unacceptable during the day. If you like to be a little edgy and experiment with your look, hey, I support you! BUT (big but), make certain that you understand the difference between tasteful and dreadful. If you ask me, and if you’re reading my column than lets face it, you do, a little mascara and eyeliner go a long way during the hours that the sun is out. A clear or light peachy, pink, beige or brown gloss for the lips speaks volumes in an understated classy way. If you have an important meeting, you can definitely add some eye shadow and light bronzer on the cheeks, but make sure it’s appropriate for the day time hours. Those smoky eyes and super bronzed cheeks are not going to look clean unless the sun has gone down and you have a glass of wine in your hand. Well, maybe not so much a glass of wine, but you catch my drift. Sometimes girls and women that wear heavy makeup during the day tend to look overdone and even a little ridiculous.

With most brides, the prospect of finding or creating the prefect personalized bridesmaid gift can be daunting. All of us cannot be Martha Stewart and create handpicked, gold-trimmed fig leaves with a monogram made out of wet rice noodles. So this is for the future brides that live in the real world and have modest budgets.

First and foremost, you need to determine the interests of your bridesmaids....are they athletic, funny, love shopping or all of the above? Gifts that are personalized with the bridesmaid name or monogram say that you cared enough to take the time to find a gift that was unique and made just for them. Also, a practical gift will be better received than a gift that will never see the light of day after the wedding is over. You may choose a personalized picture frame for that special wedding photo of you and your "maids". Give the music lover a monogrammed wood CD box. The coffee drinker will appreciate a personalized coffee mug. The reader will love the personalized silver-plated apple bookmark.

Most all bridesmaids love monogrammed bags and most especially monogrammed jewelry. Personalized handbags and jewelry make excellent gifts as they can be put to use long after the ceremony had ended. Reluctantly, groomsmen gifts usually fall under the bride's responsibility as well. Monogrammed hip flasks or sterling cuff links are always big hits with the guys. For the avid sportsman, a laser engraved wood bat makes a unique an cherished gift. Practical groomsman gifts include engraved pocket knives, key chains, golf divot tools, beer mugs and money clips.

Good and sexy lingerie is a crucial bedroom accessory that can lead to intense sex. For most men, lingerie is a vital catalyst that can enliven the dullest of sexual relationships. Lingerie can come in a myriad of styles, colors, textures, and patterns. Various lingerie items include panties, bras, sexy nightgowns, thongs, teddies, and corsets. These products can spice up the sex life of any person. Lingerie products have always been very popular intimate gifts. Men generally take a lot of interest in the kind of lingerie their partner wears. Many women continue to chase new styles and fashions in lingerie to maintain the sexual interests of their partners. Most women are interested in shopping for lingerie products and lingerie costumes. Women can choose from a wide range of lingerie costumes that are available for sale in departmental stores and lingerie stores.

A large number of online lingerie retailers sell sexy costumes on their websites. Sexy lingerie costumes in a leopard print can give a fiery look to a woman. Lingerie costumes that are adorned with sequins and motifs can impart a very stylish look to the woman. Lingerie costumes can be made from sheer chiffon or rich silk. Black lingerie costumes made from silk or satin can look very stylish and bold.

Baby doll lingerie comes in varying colors and textures. Fabrics are carefully cut and stitched to enhance the body contours and elegantly hold the assets in place. Baby dolls can be styled in a number of ways. Either they can have the fabric flowing freely from the waistline or it may be tightly held around the hips. It may have ribbon laces on the sides or may have adjustable buckles for better fitting. They can be combined with matching stockings and thong. Baby doll lingerie either can be plain or may come in bold prints.

Pink has always been the color of all things sweet and nice. Pink is actually a lighter shade of the color red. Red as is popularly known, the color of passion and passion is generally linked with violent, animalistic attitudes. When the color is toned down to pink, it emerges as the softer side of passion and becomes an expression of love and romance. Thus, the color is supposed to evoke feelings of tenderness and gentle behavior, both of which are quite essential to the art of lovemaking.

Pink has a deep association to the female sex and very often anything colored in pink is automatically pronounced feminine. The tradition has gone so far as to make women who have no pink in their wardrobes stand out as prude and tomboyish. Pink has thus been changed in to a form of sexual discrimination. However, this thought should not stop anyone, regardless of sex, from wearing pink underwear since pink after all is just a color. Nonetheless, most types of pink underwear are designed to fit women exclusively. Pink panties for women come in every possible underwear style from bikinis to thongs to g-strings. Women also have access to a large variety of pink shades from pale to burgundy as well many patterns. Pink underwear is available in leather, silk, cotton and even rubber. Very often, the fabric will incorporate pink as a theme and center the design of the undergarment on the color. Theme such as flowers, teddy bears and candy can be printed on the on the fabric and these look the best in pink.

Pink is a favorite underwear color among children and even plain pink panties are a large hit in this age group. For children, fun designs such as dolls, pumpkins and cartoon characters such as Winnie the Pooh and Goldilocks are used to dress up the patterns. Designs are usually absent from pink underwear meant for men. For males, pinks restrict themselves to generally briefs and boxers, that too only in pale shades.