(ARA) - Graduation is just around the corner for thousands of students, and shortly after they walk down the aisle, many in the Class of 2006 will find themselves facing hardships they didn't anticipate when they began the pursuit of their degree.ICAS has welcomed the latest reading of the Bankruptcy and Diligence bill at the Scottish Parliament, and jointly called for action to be taken on unregulated debt consolidators.Dear Dr. Don, I was approved for a $75,000 fixed home equity loan at 6.94 percent for a 15-year term, with no closing costs or any upfront fees. I can afford the monthly payment. CALABASAS, Calif.----With the holiday season in full-swing, many consumers are turning to alternative methods of financing to fund their luxury gift purchases, according to Informa Research Services. Many of the largest national banks along with numerous mortgage originators and others are identified as direct and indirect sources of seriously flawed mortgage calculators and calculations that significantly overstate and grossly misrepresent the consumers' tax savings from the mortgage interest deduction, according to a report soon to be released by the Mortgage Institute For Financial BENEFIT CHRISTMAS CONCERT, 7 p.m., Central Village Congregational Church, Route 12, CENTRAL VILLAGE. Angela Howell and Friends. Portions of proceeds benefit Maranatha Retreat Center and Food Bank. $10 for adults; $5 for children. Information: 564-3616.Don't fall victim to a scam this holiday season! The Better Business Bureau, serving Louisville, Southern Indiana, and Western Kentucky just named its Top Scams of 2006. Here is a list of the Top Ten Scams:Amcat, a company in customer care & interaction solutions has won a contract to supply CitizensPlus Inc. with a new customer interaction system. KETTERING, Ohio----GE Money's Sales Finance unit has announced Finger Furniture Company has renewed its agreement for consumer financing services.