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I haven't forgotten you guys, I swear. I had company in town and haven't been able to sit down and answer until now. For those asking for financial help involving credit scores/private loans/etc., I really can't help you. I don't handle alternative loans in any fashion, nor have I ever. I know very basic information. The best people to contact are going to be the alternative loan companies themselves or your financial aid counselor. Raskol...yeah. It's a good program except for that it's limited to only one company and one particular repayment plan. It's frustrating, but a half-step forward is at least still moving forward. There's a lot of things I wish they'd do which I feel would better the program, but they probably won't happen, so I try to just focus on what is. Which is much easier now that I'm not in customer service hearing sob stories every day. Huzzah! six in a row, the standards for an independent student have unfortunately not changed, so you will still need to file as a dependent unless you qualify per the rules listed in the OP. You *can* still apply though, and maybe appeal later. It never hurts to try.
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Oct 26, 2007 00:05
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So, i'm a pre-vet student, and at the moment my mom works at the school i currently attend, and i have full tuition remission. Works out great. Until i have to go to vet school. It's pretty much going to be all loans, and i was curious if vet students would be considered among the same "graces" as med students for loans and what not, and since i would also have to go through an internship like med students do i get that nifty forbearance period? i looked through all the previous posts, but didn't see anything about this. it could have been easily missed though. so, sorry if i make you repeat yourself.
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Oct 26, 2007 00:35
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You're fine! It is in fact a brand new question. Huzzah! After going through several school websites, I've found that veterinary students are eligible for the higher Stafford limits. This will, of course, be at the school's discretion. As for the forbearance, I honestly have no freakin' idea. I will have to ask tomorrow at work. My gut instinct says "No," but it's been horribly wrong before.
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Oct 26, 2007 01:01
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Ok, so heres a minefield. I did a work study over the summer, and at the start I was told that my earnings would be adjusted down due to living expenses I would incur over the summer. I was told they always did this and to not worry about it. After the summer the work study office decided they had gotten what they wanted so they did not adjust my eligibility, and have left me 3000 short on what was already a tight budget. The schools budget already does not provide me with enough for living expenses, books and tuition but I was making it bye using my alloted personal expense budget and savings to cover that. On a quick face to face I was basically told I was screwed. but I am going in to appeal my case tomorrow. I would be willing to take out a student loan from a private lender. I am not concerned about being able to pay back an individual 5000 dollar loan to my bank lender. I could probably pay it off before I even exit my grace period. The problem is the school certification process. According to the colleges financial aid office my need is being met, even though I can't afford clothing which I need desperately, supplies or housing for the full year. Realistically I would like to borrow 4000-5000 to comfortably meet my needs for the year because in the past I have been close to broke. What should I do? I obviously don't want to take out a personal loan. My family has no money to loan me, and I would like to avoid asking them to take a loan for me. Is my only recourse to continue to beg my financial aid office to raise my eligibility? I can deal with the higher percentage a private loan school loan will have, but I don't want to hit that 10+ percent barrier, and I would hope I can defer payment. More work is not an option at this point. I have a full intense course load, part time jobs and other obligation. I am 25 so independent, and already receive a majority of my aid through grants, but Seattle is a painfully expensive place to live. Basically do I have any recourse when it comes to getting my eligibility increased, or did my work study department pretty much gently caress over my education. Is there a way around the schools aid department?
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Oct 26, 2007 01:47
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I'm going to need to take out as much subsidized and unsubsidized loans as I can and I'm wondering if there is a total limit (I understand the yearly limit) as to what I can take out? Sorry if this has been asked already.
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Oct 29, 2007 01:43
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Hey, it's me again! I am loking at taking next semester off from being a grad student, and taking 3 undergraduate-level classes at the local community college. I assume I will have to take out private loans for this- or if I attend solely a community college during this time, do I get to take a whole set of new loans out through them? (Id prefer that, heh.)
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Oct 31, 2007 21:20
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This has been the week from hell. Hell! Sometimes life sucks, enit?! I'm kinda back! I haven't and never will abandon this thread, but yeesh when life kicks your rear end it's thorough! Juriko, you did exactly what you needed to do: appeal. If that gets you no where, you are then stuck with applying for private loans. The only thing a student can do if they don't have enough federal aid is try to appeal to the school for more - basically plead their case. If this fails it's on to the variable interest rate fun! Happily enough, there is a lot of discussion going on right now about reforming the private loan industry, which is what actually needs to be reformed quite badly. Whether anything will come of it depends on lobbyists. Which means don't hold your breath  Morgan_, yes, there is a total limit. In fact, although the annual aggregate limits changed this year, the total aggregate limit for a student didn't. Which means those attending more expensive colleges are screwed. Huzzah for progress!!! Including Subsidized and Unsubsidized, these limits are $46,000 for an undergraduate and $138,500 for a graduate student. Cathis, if you have not yet reached the 46000.00 mark for an undergrad and the classes can be considered degree-seeking, you may be able to take out loans. As always, actual amount and eligibility are determined by the school. Also, hello! Glad to see you  How have you been?
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Nov 2, 2007 02:56
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I'm pretty good, nothing much to report here. Trying to get ahold of the financial aid department at the CC down the street. "Please leave a message and we will get back to you"... that's peachy. So, my basic plan is to take a semester leave of absence from grad school and go hang with the kids at CC for those undergraduate-level deficiency courses I need, since there's no grad school classes I really want/need in the spring. Looking at Wachovia and Citibank for private loans, if that should be necessary. I am looking at around 9,000$ for this "semester off" since I won't be working. That'll take me to 27,500 in total aid (18,500 at graduate level). ANy opinions on either Wachovia and Citibank? The requirements are: reasonable APR, 6 month grace period, normal repayment schedule of 10+ years.
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Nov 5, 2007 21:26
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So here's a question.. When I moved up to Alaska to go to UAA i took about 20k in loans planned out.. 8.5 or so through Sallie Mae, max stafford sub/unsub, and then about 8.5k from the Alaska Higher Education commission (the AHEC loan is at its max). I've just decided that I'mg oing to switch to majoring in Aviation Technology and that's going to up the amount I owe in the Spring Semester by about 6-7k. Is there a way to get Sallie Mae to tack on another 7k to the Spring disbursement, or do I need to request a whole new loan just for that semester?
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Nov 6, 2007 01:28
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Cathis, actually yes! I've heard good things about Wachovia and bad things about Citibank. Citibank generally has a higher interest rate, too. But really, in the end, all private loans suck. porno broker, I assume these are all private loans? Unfortunately you will need to request the second amount separately. And will also need to fill out a new contract.
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Nov 9, 2007 00:52
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Hey, searched through the OP and it really helped thanks for it. Just have a few questions. I went to the local community school last year, but had to skip this semester for personal reasons and got accepted to SUNY Buffalo. Is there any way to get a mid-semester TAP or FAFSA, or you basically have to apply at the beginning? Also, is there any loans that don't take into account the parental finance information because even though I am under 24, and my parent does make more than what the government considers needy, I won't be getting any financial assistance at all but from what I've seen it doesn't seem to matter.
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Nov 10, 2007 21:43
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Are you referring to filing the FAFSA now? I'm aware of students still being able to do so; we still recommend they do so at work. PLUS loans don't care about income, but that's assuming you have that option. Private loans vary by program. Some do and some don't. The only solo options are Stafford (which are limited and at the school's discretion) and a private loan IF you have the credit. If you don't have the credit, you may take out the private loan with a cosigner...assuming you have one. Unfortunately the new act did not make parent income waivers a possibility - which would be the best thing for kids in your position. But such a thing is just too illogical! Then kids could pay for college without HAVING to always take out private loans! THE HORROR! Ehem. I'm calm, I'm cool.
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Nov 16, 2007 02:32
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I went to an out-of-state college in Georgia for about a year. We got a PLUS loan and federal stafford loan but due to my mother's sudden declining health, I decided to take some time off to be with her. Since then she's had doctor bills and a not-so-great credit history due to being a single parent and not really skilled at balancing her budget. Anyway, I still owe my school some money (over $5000). I've been on a payment plan with them for a year and would like to go back to school in my home state but they told me that until they receive the transcript from the Georgia school, I'm stuck in limbo. I was told even if they snuck me in enrollment, the Federal Student Aid would eventually catch it and that would not be good. The Georgia school is holding my transcript until they are completely paid off. I decided I would bite the bullet, take out a loan to pay off the Georgia school, but the bank referred me to Sallie Mae who says they can't help me at all because I've been out of school for a year. I don't have any credit and can't use my mom as a cosigner. I'm dying to go back to school in the Spring of 08'. That's been my goal this entire year and I'm feeling totally screwed. I will do anything to get back to school, but I don't know what I can do to finish paying back my old school.
Eleanor Pwnsevelt fucked around with this message at 07:01 on Nov 17, 2007 |
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Nov 16, 2007 21:31
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I went ahead and called TERI, which is honestly the only private loan company that I am personally familiar with ( 800-255-TERI ). I explained "my" situation about owing money to an older school but wanting to attend a newer school, and that the older school was pending on my balance to release my transcripts. The helpful lady said that a TERI loan can be used for this purpose assuming that they receive either: 1. Proof of enrollment at the newer university (tricky), or 2. A letter from the financial aid office (or whatever) of the older university explaining the situation. Here's their website: http://www.teri.org/ Worth a shot? I'd call instead of applying online; then you have a Nice Person on the line who is normally very cheerful and happy to help. Now the problem is that you don't have credit I honestly don't know what you could do in this situation; the only thing you can do, really, is beg for a cosigner, because a PLUS loan would be certified by the new school, and obviously they're not going to do so if you're not enrolled. If anyone visiting this thread has been in a similar situation and has a solution, please post it here!!!.
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Nov 17, 2007 00:34
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Thanks, I just spoke to somebody at TERI and he suggested that I needed a cosigner. So I guess I'll try to ask one of my brothers to do it but...well we'll see. Looks like it's pretty much my only option.
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Nov 20, 2007 00:02
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I'm a U.S Service Member about to leave Uniformed service in August of 2009. In the interim I'm intending to finish out my associates degree, and as much of my bachelors degree as I can. Ultimatley I'm looking at moving on to med school. Here is my problem: The montgomery G.I Bill doesn't pay poo poo in terms of covering school costs. At ~900 a month I figure I can handle the rest of my B.S, but that won't even approach Medical School costs. My wife will be working while I'm handling school and a part time job. If a person doesn't have the hottest credit on earth, and they do get accepted into Medical School are they realisticly able to pay for it? I ask because this is the course I've sort of decided upon, and I have absolutely no idea if I'll be able to borrow the money for Medical school when the time comes. I've got the drive to handle the educational requirements, but I can't possibly imagine any sane lending instution forking over that kind of money to a guy with not so great credit, medical school or not. Short version: How do I medical school with bad credit, and no help from family.
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Nov 20, 2007 11:56
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Ooh, I like this thread. I have approximately $100K in private loans through Sallie Mae, as well as one $5500 federal Stafford loan floating around in their system. According to the statements they gave me, with the painfully high interest rates on these loans, I could end up paying back over $200K in the end.  So now I'm sorta panicking and I need to consolidate yesterday. The first payment is due December 1st and they're asking for around $1100.  I'm sure I can pay a few days late and not get penalized but I don't know all of Sallie Mae's rules so I don't want to risk it. I COULD afford this as a monthly payment, but it would be a HUGE chunk out of my income, especially since I'm helping pay some bills and taxes on our house. And I need to get a car very soon if I want my career to go anywhere, so I've got to make room in my budget for a loan/lease regarding that (but that's for another thread).I see you mentioned that one Texas company for loan consolidation, so I will probably give them a call this afternoon. I'm going to try to milk any sort of discount or bonus they can throw at me, because the only good thing about a high principal balance is the fact that discounts based on percentages are more powerful for me. Would they be able to lump my $100K private loans together with my "tiny" $5500 Stafford loan? Could anyone do that? Or maybe I should just leave that one with Sallie Mae? I basically just need to lock in a lower interest rate and get the hell away from Sallie Mae, because there's no way I'm going to be able to pay back $200K in any decent amount of time at my current salary. At that rate, I wouldn't even have disposable income or a house until I was 40. That degree was NOT worth $200K. Sorry if any of these questions have been answered, but I just need quick answers now, because I want to get this all set up for the next part of my life, and I don't want to stress out about this to the point where I start going  and  .
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Nov 20, 2007 19:41
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Sorry to repeat something that's likely been asked, but I just wanted to make sure I have my bearings right. I will be graduating this winter and beginning grad school. While my parents were able to help subsidize my undergraduate education, everything else is on me, so I'm just now figuring out loans. As of right now I do not have any scholarships or a fellowship, though that may change in the future. I should: 1. Talk to my school and figure how much I am eligible to get via Stafford loans. 2. Find a nice company of nice people to provide the Stafford loans. 3. Supplement what I get from Stafford loans with GradPlus loans. 4. Repeat as necessary.
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Nov 21, 2007 05:39
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Protoman, unfortunately that really is it There are tons of private loans out there, and anyone can take out a private loan, but the hard part is finding the company that will give you one without a cosigner. Normally this involves absolutely horrific interest rates, which is why a cosigner comes highly recommended. I hope your brother can help!!! Shimazu, I'm not gonna say it's impossible because it's not, people have done it. But it is neither easy nor cheap. Assuming you find a private loan company that will help you out, you will have exceptionally high interest rates and will be paying on your loans until you DIE. Ehem...I mean will be paying them for a long time. Medical students have WAY higher federal aggregate limits which dampen the need for private loans (but don't necessarily eliminate), so you might actually have a fighting chance. (Essentially this means that you can take out a whole lot more as a medical student in Staffords than anyone else can). Also, if you're going to be considered graduate-level or a professional student in med school, you CAN look at the GradPlus loan to cover additional costs. DizzyBum, the problem is that you have private loans, not federal loans, as your higher balance. The good news is that you CAN consolidate these; the bad news is that you can't do so with a federal lender (such as North Texas, whom I love so much). If you go to https://www.simpletuition.com you'll be able to pull up consolidation information, and you can also go through Loan To Learn. Those are the only to that I personally know of, but there are more out there. The thing to keep an eye out for is a low (and preferably fixed) interest rate and see if deferments/forbearances would ever be available due to economic hardship. Ben, you are correct!!!
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Nov 22, 2007 17:26
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I finished a year at the University of Arizona (2006-2007) and am currently taking a year off for an internship I'm doing. Right now I'm applying to a few schools, which even after hopeful scholarships, I'll probably need to take out loans. For the University of Arizona I took out a Stafford loan and my parents took out a PLUS loan. That was mainly because I was 17 when I started college and couldn't really get a loan of my own. Now, for the next 3 years of college at wherever I decide to go, are there going to be any complications? Ideally I'd like to take out the loans 100% under my name as I really don't want to get my parents involved for various reasons. I should have pretty good credit (should probably check that first...) and am 19. What exactly are my options? Thanks so much! edit: forgot to mention that this is for Fall 2008 enrollment KosherNostra fucked around with this message at 20:08 on Nov 22, 2007 |
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Nov 22, 2007 19:10
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Wiggy Marie posted:Shimazu, I'm not gonna say it's impossible because it's not, people have done it. But it is neither easy nor cheap. Assuming you find a private loan company that will help you out, you will have exceptionally high interest rates and will be paying on your loans until you DIE. Awesome news to hear, I just need to get into medical school and be able to pay for it. Paying off the loans isn't as scary for me. Since some places will negotiate loan-pay back in your hiring, or the DoD will pay them off outright for 6 years of service, or any other number of ways to get someone else to foot the bill. There is some fine print obviously, but if I can manage to get into and through medical school I feel like paying off the loans will be fairly easy in comparison. Just getting the drat things was what worried me.
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Nov 23, 2007 16:11
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So I'm enrolled in an academic program that is not listed on my loan company (Sallie Mae)'s list and is outside the country. Do I have any hope of getting an "in school" deferral while I am nominally in school?
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Nov 23, 2007 18:44
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KosherNostra, if you're asking if being out of school for a while will affect your loans, the answer is: it shouldn't. If you don't want your parents involved you're going to need to take a gander at the scholarships/grants you might qualify for, and then of course private loans. Tell me your state/school and I'll take a gander. kaishek, what's the name of the school? Also, there's a link in the OP to search for internationally accredited universities - have you tried to look for yours through that site? Shimazu good to hear I'm always happy to help with any other questions you might have!
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Nov 23, 2007 23:19
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Just before I graduated with my undergrad, I refinanced my student loans (all Stafford loans) through the government's Direct Loan program. Now I've moved on to grad school (at the same university, if that makes a different) and will be taking out more loans. Once I get out of grad school, can I consolidate my loans again through someone with better rates/incentives like NTHEA, or am I stuck with the Direct Loan?
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Nov 24, 2007 06:16
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Once you have new federal loans (including Staffords AND GradPlus) and are no longer on an in-school deferment, you may reconsolidate with anyone you choose. Right now consolidation benefits are kind of up in the air; if the industry continues with the policies as of 10-01-2007, you might have a VERY hard time finding benefits worth salt. Generally NTHEA leads the way so they're always a good first stop. Hopefully there are more changes coming, because right now a lending company loses money for consolidating a borrower, which is why a ton of companies have either disappeared or eliminated their consolidation programs.
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Nov 24, 2007 15:16
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Wiggy Marie posted:Protoman, unfortunately that really is it Well, it turns out my brothers can't/won't cosign. My uncle is already financing his failing daughter's first year and a second one is on the way. Guess it's time to try distant cousins.
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Nov 24, 2007 16:22
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Wiggy Marie posted:kaishek, what's the name of the school? Also, there's a link in the OP to search for internationally accredited universities - have you tried to look for yours through that site? It is the American University in Cairo, but I am enrolled in a specific non-degree program called the Arabic Language Institute. I apologize, I can't figure out how to search that site in the OP.
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Nov 24, 2007 18:07
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Protoman, good luck kiddo. I know it's frustrating, believe me. Just keep trying. kaishek posted:It is the American University in Cairo, but I am enrolled in a specific non-degree program called the Arabic Language Institute. I apologize, I can't figure out how to search that site in the OP. From their site: Fully accredited in Egypt and the United States with an 80-year history of excellence Found here: http://www.aucegypt.edu/academics/ali/Pages/default.aspx Accredited is the key word. If it's an accredited academic program in the States, you can get a deferment. Here's the form you would need to have filled out for this deferment: http://www.uheaa.org/pdfs/inschdefer.pdf I would recommend that you send this to your financial aid officer OR academic counselor for them to take a look. If they say no problem smooth sailing, you're fine
Wiggy Marie fucked around with this message at 00:37 on Nov 26, 2007 |
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Nov 26, 2007 00:31
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I have a question on interest payments for deferred Stafford loans. My undergraduate loans are all consolidated with Educational Loan Center, and as I'm a full time grad student, they are also deferred. However, for the Unsubsidized loans, I'm still having to make monthly payments on the interest. The rate averages somewhere around $85/month. While I hate the idea of it being applied to my principle month after month, I can't help but feel I could be putting it to better use. Not like "yay let's get more shoes!" use, but just stuff like building up my emergency fund/paying off medical expenses etc. How would I go about contacting Ed Loan about changing the terms of my deference? Is this a good idea, or should I continue to make payments on interest?
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Nov 27, 2007 23:18
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Do you not have a customer service number you can call into? You should be able to fully defer the interest payments if you're in school since they're federal loans. What you do with that is up to you; obviously paying down your interest is only a good thing, but if you need the money to save up, you can do that too. Full deferment gives you that flexibility. Just keep in mind that any unpaid interest actually becomes part of the principal of your loans when the deferment ends, so you'd start paying interest on interest. You can make a payment to your account at ANY time without penalty. If you want to fully defer payments and then just slap 20 bucks toward it a month that would help you out. As I mentioned, a full deferment gives you a ton of flexibility - the only thing to keep in mind is rising interest. At 85/mth, you can imagine how much your principal would rise after a while of no payments.
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Nov 28, 2007 04:37
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I only have Direct Stafford loans. Should I consolidate with NTHEA or with stafford to take advantage of their income contingent plan?
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Nov 28, 2007 06:29
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Call both companies and ask about their incentives. Direct is unfortunately known for having abysmal customer service, BUT they also offer deferment/repayment programs which no one else can. Ask them about those programs when you call!!!
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Nov 28, 2007 23:40
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Wiggy Marie posted:KosherNostra, if you're asking if being out of school for a while will affect your loans, the answer is: it shouldn't. Well, I've decided to cave and accept my folk's help (and their constant reminding of it ). The school's I'm looking at are:Pitzer - Claremont, CA CUNY Brooklyn - Brooklyn, NY School of Visual Arts - Manhattan, NY For EFC I'm not expecting much at all so I'll need to take lots of loans out, eep. What are my best options for those schools? Thank you, really. KosherNostra fucked around with this message at 18:48 on Dec 1, 2007 |
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Nov 29, 2007 19:25
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I will have about 110k in federal loans by the time I graduate from law school. I'm not really concerned with paying them back so much, as I will be coming into some money in the next 5 years or so, and I have a trust set up which will pay be around 600-700 dollars per month just to pay back these loans for the next 35 years. Can I consolidate these loans over say, a 40 year period so my payment remains low until I have the inheritance to pay them all back at once, or so that I won't have to use any of my personal money an dcan just rely on the trust? Also, just out of curiosity, do I have more than the average student? I only ask because my law school told me that he average graduate has around 150, not counting undergrad loans. This seems hard to believe.
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Nov 30, 2007 06:53
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Was curious about your thoughts about getting private loans where you're financial aid is maxed and your credit isn't credit approved by any lender or non-existent. School is about $20k a year total, not including room and board in Phoenix/Tempe area or various living expenses. First year I maxed out my lousy aid at around $9k leaving some $11k for private loans or what have you. Am having a lot of trouble finding good lenders that won't peak their interest rates at the highest tier. Had to take one for $5k @ 13.59% which made me ask this question. Read most of the thread, a lot of reading... made me feel a lot better about borrowing when I see people with $100k in college loans. Honestly, I was pulling my loving hair out with $12k private loans in between finance meetings. But still is it plausible for people to pay off $40k+ in loans in a developing industry (studying game design @ collins) after graduating or even more importantly make interest only payments while in school? Or is this really going to take 10-15 years? Thanks.
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Dec 1, 2007 00:36
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KosherNostra, does that mean they'd be willing to do PLUS loans for you? PLUS loans are better, way better than private loans if it's an option. Have you discussed this with them? Koppite, you have close to what medical students normally graduate with, which is considered pretty high. Most students don't get up to that range - if I'm not mistaken the last estimate put the average at around 30-40,000.00. That being said, it sounds like you've got a smart plan worked out and shouldn't have an issue as long as you stick to it. Currently the maximum repayment period for a student loan consolidation is 30 years (though this doesn't include the deferments and forbearances you can use along the way). If you happen to be able to take out a personal loan/finance elsewhere with a longer repayment and payoff your student loans, you would not be penalized. I would suggest keeping the student loans if you can, because they make your credit "more better". Xenixx, understand that there is absolutely nothing wrong with having to take the full repayment term to payoff your loans. There's a reason it exists, and yes it's doable. You can consolidate those private loans - just not with federal loans specifically. All hope is not lost! Unfortunately when it comes to private loans, if you have shaky/little credit the trade-off is a way higher interest rate. That's part of the (horrible, stinky and in need of reform) business. There's been talk, federally, of going after the private loan industry (where anyone with brain cells can see the most damage is happening to students), but politically speaking it was better to attack the federal program because it's more public and don't get me started RARG ARG.
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Dec 2, 2007 22:27
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I had a loan consolidation at CFS-Suntech back when consolidation rates were the lowest they've ever been. My interest rate is now locked at 2.625%. This being the cheapest loan I'll probably ever get, I'm paying it off as slowly as possible and using the money to earn +5% interest in money market accounts and such. Hope this helps
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Dec 2, 2007 22:42
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Thank you for your input! Can you tell us anything about the speed of the consolidation? Customer service? Any difficulties? Anything amazing they have done for you? Please share!
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Dec 8, 2007 04:59
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Hey, just thanking you for this thread, as I came home today to find an acceptance letter from NYU for Early Decision, and, well, my family needs more money. Luckily I've got some relatives who might help, but I'll still probably need more, so this has given me some good places to start. Thanks alot.
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Dec 13, 2007 21:48
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I see this question has been asked a few times, and sorry for doing it again, but I just want to make sure that my situation isn't unlike others you've spoken about. I'm still in school, and so far have about 58k in private student loans through education one, who is apart of the TERI loaning company. I also have about 5k in federal student loans. By the time I graduate, I expect this to be up to about 80k, combined between private and federal. So there are companies that would consolidate these after I graduate. Also, I have had two different cosigners, as my father was against cosigner at first, so my uncle did, but since my father has been alright with it and has. He will cosign any consolidation loan I get after I graduate, and this would essentially release my uncle from liabilty on his loan, if I'm correct. This has been on my mind, having so much debt after school, it's nice to see I'm not alone and that others have the same burden, and have plans on working it out. Thanks.
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Dec 14, 2007 00:58
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