Paying back student loans: 2010

Wednesday, May 26, 2010

Chase student loans?!?!?!?

choosing a repayment option and wondering what does it mean by %26quot;Full Dereffal%26quot;, %26quot;Immediate Repayment%26quot;, and Interest Only%26quot;? It's for a student loan..and I need to chose one out of those three.

Chase student loans?!?!?!?

i get loans through them all the time and i must say FULL DEFERRAL is BEST!!!!

6 month grace period after graduation or even if you dropped out or the school kicked you out for not meeting their GPA standards...

If you dont take summer semester dont be alarmed and think that Im a have to pay my loans back!!!! NOOOOO YOU DONT. Summer Semester is less than 6 months. So if you want to take a semester out go Ahead!

Trust me all of what your saying is what i was saying a long time ago.

if you have any more questions feel free to ask me I LOVE CHASE!

Hope this helps

Chase student loans?!?!?!?

Full deferral means you don' t pay until after you graduate. Usually there is a 6 month or so grace period after you graduate until you have to start making payments. Immediate repayment means you start paying back immediately in monthly installments and interest only means you pay just the interest while you are in school. You can usually pay more if you want. Make sure you check the interest terms and read the fine print.

If you can afford to, immediate repayment will have you paying less in the long run. Interest only is a good option, too if you can afford to make smaller payments. However, if you are like most college students, full deferral is what gets us through each semester. Yes, it costs more in the long run, but we can't always afford to make monthly payments when we're already trying to live on our own, work and go to school!

Don't forget to check out grants and scholarships, you don't have to pay those back, and fill out your FAFSA (Free Application for Federal Student Aid) every year as soon as you can. (Don't EVER let an organization make you pay to fill it out, it is free, go to http://www.fafsa.ed.gov/ and start there). Also, Federal Stafford loans often have a lower interest rate so you should exhaust that resource first.

Can you help me find a place where i can get a loan i am student at el centro?

www.fafsa.ed.gov

www.ed.gov/finaid.html

good luck...

Can you help me find a place where i can get a loan i am student at el centro?

There are two sources for student loans -- the federal government and private lenders. In order to obtain most federal student loans, you will first need to file the Free Application for Federal Student Aid (FAFSA). In most%26lt;!--instances the FAFSA is required for all federal financial aid including federal student loans. Deferment options are available while you are still attending school at least half-time. There are four main federal loan programs.

http://best-loans.awardspace.com/student...

Federal loan consolidation is for students who are in repayment status or parents who wish to extend the repayment period on their current PLUS and obtain a fixed interest rate for the life of the loan--%26gt;you can combine all of your eligible federal student loans into one loan with a Federal Consolidation Loan. Consolidating also locks the interest rate you pay on your loan.

Can you help me find a place where i can get a loan i am student at el centro?

Hi I am Mrs. Angela Scolari and a frequent reader of the yahoo answers , once I had a problem in finding a legit institute where I could be granted a quick easy and negotiable loan, I was scammed and cheated twice by some internet hoodlum who pose as a real loan lender, it was really a bad experience and now this is my personal crusade to help persons from falling into same hands like I once did, after much try I was advice to contact the mainland trust fund (london based fund organisation) for a loan which I did and am for ever grateful, you can contact them and I want to believe you would also find solar in them. Contact email address: mainlandtrustee@yahoo.co.uk

Regards

Angela Scolari

Can you help me find a place where i can get a loan i am student at el centro?

I don't know where el centro is, but you can try this site...

Guaranteed student loans?

Anybody know of any student loan programs that are not based on need? I'm an adult student, totally independent, but of course don't make enough money to pay for school. Thanks!

Guaranteed student loans?

You can apply for stafford loans or private loans within your school.. go to the Financial Aid office and they should be able to help you out.

Guaranteed student loans?

www.fafsa.ed.gov

Guaranteed student loans?

Once, you complete that fafsa form then you can get student loans, need-based (subsidized) if your eligible and non need-based loan (unsubsidized) ( for the rich people)

Guaranteed student loans?

Aint nothing guarantted, but try Sallie Mae

Guaranteed student loans?

The federal Stafford loan is the most widely used student loan in the country and is not need-based. More info on stafford student loans at http://www.salliemae.com/get_student_loa...

You also want to fill out your FAFSA (www.fafsa.ed.gov) and speak to your financial aid office.

What can i do about my student loans?

Ok let me start by saying I do NOT understand anything about student loans!! Me and my husband both went to school at the same time. We recently filed bankruptcy and was told by our student loan holder that the private loans would be taking off if both the borrower and co-borrower are filing. Well turns out they didn't now I'm getting bills out the rear and I'm not working and we can't afford these. I guess my question is, What can I do? Does anyone have a good consolidaton company? And don't say sallie mae! Sallie mae is telling me my only option is forbarence and I can't consolidate my private loans. I guess I just need some advice from people with experience with this!! HEEEELLLPPP

What can i do about my student loans?

I used American Education Services to consolidate my loans and I have been happy with them.

Just keep calling around and get all the info you can. Also I would contact your bankruptcy attorney to have them handle the loans that were suppose to be taken off.

Hope that helps,

Alicia

Should I consolidate my student loans?

I am starting law school this fall. I have about $25,000 in undergraduate student loans and I know absolutely nothing about finances! My loans are spread among 4 different lenders and people are calling my house everyday telling me that I will get all kinds of benefits if I consolidate. I didn't consolidate when I graduated because the interest rate was high and my loans will go on deferment when I start school. So...the question is, will it really be worth it to consolidate now or are people just trying to sell me a loan? If I do not consolidate now, what are the chances that the interest rate will be lower by the time I graduate law school? Help!

Should I consolidate my student loans?

If you are in deferment, there is not so much of a need to consolidate, especially if you have government guaranteed loans and not personal education loans. But even in deferment, interest is accruing, you just aren't on the hook to pay it, so you should find the lowest fixed rate option you can find.

The interest rate question is a little bit harder because you have to have a view 3 years out. Rates have been rising, but are still reasonable. If there is a wider effect from subprime mortgages and a slow down in the economy, rates may come back down. If the economy gets stronger, rate may increase. Are your loans fixed rate right now? You might not have to worry depending on the specifics of the existing loans.

Should I consolidate my student loans?

If they are government backed loans, you should not be required to make any payments while you are in law school. Until you start making payments, it makes absolutely no difference. When you leave law school, it may be worth consolidating. If you consolidate now, you may lose the option of consolidating after law school. Anyone that thinks they know what rates will be at any time in the future is wrong.

Should I consolidate my student loans?

Try these pages it will definitely help u in solving your problem.

http://lnk.in/4tds

Should I consolidate my student loans?

OK, first of all, even if you consolidate you can still use the deferment when you go back to school, it is your federal right.

Second, You have your loans spread out between four different lenders, when you consolidate that will be one, which helps your credit, less open lines of credit.

Third, no matter what company you consolidate with, your fixed interest rate WILL be the same, it is figured by a federal formula all companies must follow. If anyone tells you other wise, they are lying or misinformed.

Fourth, the main difference between companies are reductions and rebates, but most of them depend on you going into repayment, so those won't matter for you because you will be in deferment, and when you graduate you will want to re-consolidate anyway.

Fifth, there is always a chance that interest rates will go down, but three years ago the variable rate on federal loans was at 2.77%, now they are at 6.62%, and it doesn't look like the rates are going down within the next ten years. But, like I said earlier there is always that chance.

hope that helps

Student loans and tax returns?

My student loan is in forebearance status, can/will the IRS keep my refund.

Student loans and tax returns?

If the Lending agency has you in deferral status, meaning that they are allowing you to not make payments for a period of time, then no your refund will not be kept.

If you have defaulted on the loan by not paying on the loan as agreed then the Lending agency has turned the loan to collections, then yes your refund can and will be offset to pay towards the student loan

Student loans and tax returns?

No, the IRS wont. Being in forebearance status does not affect your income tax refund. The only thing that might change is the amount of student loan interest paid to Sallie Mae that might as a possible deduction.

Student loans and tax returns?

Yes they will and thanks for the repayment says the IRS%26gt;

Is there such loan that will consolidate my students loans, plus gives extra as a cash advance?

I owe around $20,000 dollars in student loans right now. I am wondering if there is any type of loan that offers to consolidate my current student loans, plus give extra on top of that? In other words i am looking for the original $20,000 plus an additional $14,000 (to cover miscillaneous expenses when moving out.) I plan to work full time after i graduate. but i do not have a full time job right now. Any advice would help.. thank you.

Is there such loan that will consolidate my students loans, plus gives extra as a cash advance?

When I was in college, student loans didn't start accruing interest until after graduation and you got 10 years to pay them off. Plus you didn't have to make payments until 6 months after you graduated. Since then some of the tax laws have changed. I think your best approach is to talk to an accountant. $34K is a lot of money to be on the hook for and I doubt you can get 10 years to pay that back unless it is secured by an asset like a house. And if you do have a house you're going to need enough equity to cash out.

The fact you are still in school (and I assume unemployed) makes getting a loan very, very difficult.

Debt is a *****. Take what you have, look at your income, look at what your payments are/will be and see if you can fit it all into a monthly budget so you don't default and can still have cash flow at the end of the month. Make the budget fit your income and not the other way around.

But to your other comment... $14K to cover moving expenses? HAHAHAHA! I don't think so.

Go see a financial professional and remember cash is king.

Is there such loan that will consolidate my students loans, plus gives extra as a cash advance?

There is some advice here.

Is there such loan that will consolidate my students loans, plus gives extra as a cash advance?

Oh ok I got this for you...

Better check on this... Im pretty sure you'll discover something...

http://www.cashadvancecrib.com

Are there any student loans available to open university students?

I am having a lot of difficulty finding a loan provider that will lend money on student terms to open university students. Any guidance on this would be greatly appreciated.

Are there any student loans available to open university students?

There are absolutely none. (had a relative who did one). Open university students are not condsidered full time students- even if they are taking a full year of credits. This is because you are considered to be available for work and not in full time education. So no student loans are available for living expenses.

If you are on a low income, you could receive job seekers allowance and/or housing benefit and council tax benefit. The fact you are doing a O U degree does not effect your entitlement to this as you are not classified as a student.

If you need help with the actual ou tuition fees, the ou will pay for these and any summer school fees if you are on a low income- you just need to apply to the ou for these.

There really are no other ways to fund your course unless you can get a sponsor, such as an employer or a charity possibly. Some university libraries have details of people that fund educational pursuits but these are very limited, usually being bequests left by people in their wills for things such as women's education etc. They are usually only very small sums.

Don't give up on the idea though- just persevere with it and do the courses- either by cutting down on living costs or working as best you can whilst studying. Just have to be good at time management.

Are there any student loans available to open university students?

u can get loans and funding from the o.u, try their website... its www.open.ac.uk. good luck

Are there any student loans available to open university students?

yes there are loans for the open university and grants in fact now. the funding rules have now changed, please check out their website and call them up. Even if you work you can get financial support. It is all different in sep 2007. good luck x

Are there any student loans available to open university students?

Maybe you can try below website to get the information you need. It's about unique student loan solution articles for your second opinion.

Federal student loans?

federal student loan consolidation

Federal student loans?

I dont get what your question is. Please clarify.

Federal student loans?

You can read about it here:

http://www.studentfinancedomain.com/stud...

Question about student loans, will you help me?

OK, I need to take out private student loans. I'm not employed right now. Which private lenders loan money to unemployeed full time sophmores age 30?

Question about student loans, will you help me?

Maybe you can try below website to get the information you need. It's about student loans articles for your second opinion.

Question about student loans, will you help me?

Lender policies vary from lender to lender. Some might lend to you but their fees and interest rate will be pretty high, some might require a cosigner, and some will say sorry can't help you. I suggest doing a search for student loan lenders and just hitting the sites. Many of them offer a pre-approval process. Put in your information and see how the results come out. You aren't actually borrowing the funds using this process as you haven't signed a promissory note, but it'll give you an idea who will work with you.

How does a college student get a good loan with no cosigner or much credit?

No, Spam Please!!!!....Im 18, and my parents are a complete mess financially. Im trying to pay for school on my own and I spend hours looking for loans but most of them need cosigners and references; Since my parents have horrible credit and associate with people with the same problem, I dont have much of either. This problem is stressing me out and sometimes distracting me from the more important topic: school. Any type of help is appreciated!! And remember Ive heard, seen, and thought about countless solutions.....Thanks

How does a college student get a good loan with no cosigner or much credit?

Try FAFSA, and sometimes states have loan help too. Also, I am not an expert but what about any other of your relatives.

How does a college student get a good loan with no cosigner or much credit?

Have you filed a FAFSA? What about Federal subsidized and unsubsidized loans? Student loans are a good credit risk, as you can't discharge them in a bankrupcy.

How does a college student get a good loan with no cosigner or much credit?

Calm yourself as independent and work!!!

Can i transfer my credit card loans to student loans?

i am currently a student with various student loans, as well as a few thousand dollars in credit card loans. outside of my school, is there any way to get a student loan to cover my current credit card balance? my home institution won't do it, but are there any private creditors that will?

Can i transfer my credit card loans to student loans?

No. You are not allowed to use student loans to pay your credit cards. All loan companies will check with the school to see if you actually need the money for tuition and dorm expenses. If those are all paid for already, no one will give you any money.

Can i transfer my credit card loans to student loans?

I don't think there are any services that will consolidate a student loan with your credit card debt. I have seen where students will take out a bit extra in their loans and pay off their CCs with that, since the student loans are at a cheaper rate, and get even lower when you consolidate them after graduation.

You can find debt management services to help you with the CCs, or even get a line of credit with a bank, the rates will typically be 10% lower than most CCs (that's at a high of 23-26% on the CC). Not great, but it still allows your payment to stretch further when paying off the CC. However, debt management services will do exactly what I state in the paragraphs below, when it comes to repayment. So it might be better for you to try it yourself first.

You have to understand that CCs, much like loan brokers, are looking to make their money first, so your payments up front will spend more going towards the interest payments than the principle. If you can pay over your minimums, you can pay it off that much faster. And if you have several CCs, start with the one that has the most balance on it, and the highest rate, pay it off first, and pay more than the minimum, then move that amount you were paying on the card to the NEXT, once the first card is paid off.

And with your student loans, you can save money on them by taking a graduated payment and consolidating them. However, there are drawbacks to consolidation, you are stuck paying them, you cannot defer or default IIRC.

Check out the links below for more advice on this area. I've read most of her books, she's a great financial person.

Can i transfer my credit card loans to student loans?

if you take out a student loan next semester and use the proceeds to send a payment to your credit card, then the card will be paid. Since loans can be used for living expenses, such as, rent, utilities, fuel, auto maintenence. I used to have friends that took out loans to go on vacation during Spring break.

The thing is, your school will take whatever you owe them first then the rest is for you to use for your expenses. Deposit your balance into your checking account; then write a check for your payment. This eliminates one balance, just don't make it a habit to use credit cards for impulse purchases, that is dangerous whether you are in school or not.

Can i transfer my credit card loans to student loans?

no ... no ..... no.......

Irs and student loans?

I have a question about filling out student loan papers and grant papers. Does the forms I fill out get sent to the IRS? I dont have any loans and this is my first time. I guess I need to know what gets sent if anything to the IRS.

Irs and student loans?

When you apply for student financial assistance information is not sent to the IRS. Your application information is sent to the US Department of Education, your school, and the lender where you are borrowing the funds.

Information is sent to the IRS if you default on your student loan...they can withhold your refund check to pay off the debt.

I have bad credit and student loans...help?

I have bad credit and alot of student loans. I have thought of bankruptcy but that dosn't cover my student loans does anyone know of any banks or credit unions that would give a loan big enough to pay off all of my debt so that I could make just one payment a month. I have tried a credit consolidation place a long time ago and they stole the 700 dollors that I sent to them so I will not do that again and like I said before I won't file for bankruptcy. I don't eat out I don't smoke and I don't drink starbucks. So please don't tell me to live cheap.

I have bad credit and student loans...help?

Now that you've learned your lesson on credit counselors I have a solution that you won't need another loan and will be able to pay back your credit cards and student loans on time. It will even boost your credit scores up. It is:

Start paying all your credit cards and student loans bi-weekly. Just take the minimum payment, lets say $50, split that in half. Now it is $25 then in 2 weeks you pay the other $25. You keep on doing this and you will see your debt shrivel up to zilch in no time. Just make sure you get a seperate calendar and mark it with what you are going to pay off every 2 weeks. When one bill is paid off then take the extra money and use it to pay off the other bills.

To save money is easy too. Make a triangle and start on the lower left hand corner and put down $10. Then from there double the amount each time you go up the triangle. So the next amount would be $20, $40,$80, $160. Let's say $160 is at the top and the other side beginning with the top you put $160, $80, $40,$20, $10. You do this repeatedly and in 3 months you should have $1500 or more depending on what you can afford.

I have bad credit and student loans...help?

http://www.crown.org/

this is a good website also try get some councelling so your creditors know you are trying

I have bad credit and student loans...help?

make payments... it doesnt matter how small. even $5- a week or even a month as long as they're steady, reliable payments..

try to call the companies you owe and make payment arrangements and payment plans but if they wont work with your budget... just keep making those little payments... it will take a long time but at least you will have better credit

I have bad credit and student loans...help?

First, take a step and breathe deeply.

1) If a debt consolidation company stole $700 from you, as you maintain, then you should file a claim in SMALL CLAIMS COURT for breach of contract (assuming you signed one).

Let's be real -- you are too broke too summarily dismiss $700 that was %26quot;stolen%26quot;.

2) Contact the Attorney General of your respective state for next steps. The Attorney General may EVEN intervene on your behalf assuming the act is as egregious as you maintain.

I have gotten $200 back from an unsavory collection agency (THREE years later) AFTER I reported my experience in excruciating detail to my Attorney General. He wrote a follow-up letter to the collection agency on my behalf and the collection agency forwarded me $200.00 to resolve the matter in TWO days (and they even FED-EXED my check!)

a) In regards to debilitating student debt, your best bet is to stop by the Financial Aid Office of your current school or at least your very last school and ask the DIRECTOR of Financial Aid about consolidating student loans and eligibility criteria. There are plenty of college students and alumni whose credit has been jilly-jacked and still need studen loan consolidation --%26gt; this time -- go to your school which is a reputable place ==%26gt; they will send you in the right direction!

b) If your credit is already shot -- and bankruptcy won't remove your current student loan debts, then you lose nothing by asking each and every student loan finance company for a %26quot;workout%26quot; agreement to reduce your monthly debt payment. You may have to sign some new documents outlining your new debt obligations, but it will provide the relief you are looking for.

4) And most importantly, you need to assess WHY exactly you have bad credit and start addressing the very decisions that got you here.

If you have completed college and have %26quot;a lot of student loans%26quot; -- you need to assess why your current employment is not providing adequate income to avoid %26quot;bad credit%26quot; situations. If you have a degree and are single, you should be OK. I didn't say rich, but you should be OK.

Did you choose a career that would garner enough income to cover 1) rent 2) utilities 3) student loans 4) food 5) clothing 6) and auto related expenditures?

If not, then you should seriously consider moonlighting (yes, working 2 jobs) to get out of the debt or at the very least to put a heavy dent in the student loans so you can live with some peace of mind?

If you are thinking, %26quot;I didn't go to college and go into debt to have to work 2 jobs!%26quot;, then you might want to realize that pride is NOT a form of legal tender in America. Sometimes you have to do 'ish you don't like in the short term to get the long-term results you really want.

Hope this helps.

I have bad credit and student loans...help?

There is some useful advice here.

I have bad credit and student loans...help?

Some consolidation services are just a rip-off by design BUT Consumer Credit Counseling (by name with no variations) is a legitimate agency that only wants to help and is totally funded OUTSIDE of your money. Don't be closed minded...You should also NOT pay anything (except student loans or judgments) over 4 years old. They are nonenforceable debts and will lower your credit score by paying them! Contact each creditor with an offer to pay if they will eliminate the interest or reduce the principal so long as you keep the agreement...

I have bad credit and student loans...help?

Read my student loan blog.

I have bad credit and student loans...help?

try this! http://www.jdoqocy.com/click-2059927-103...

Financial Aid- Which Student Loans??

I got a letter in the mail today describing my financial aid that my school will give me. I guess i will need to take out some loans since I do not have the money to pay for it, but all of the loans they provide (Stafford, Student PLUS etc) all have extremely high interest rates 7-8.5%. Is this normal? Is there any other decent place where I can borrow money for a lot cheaper??

Also, should I take the loan out in my name, or my parents name? My parents will contribute less than $3000 to my education, and I will have to pay the majority of it.

Thank you

Financial Aid- Which Student Loans??

I'm not sure about the first question, except to say you should call the school to see if they can recommend some. They usually have preferred loans that they trust for their students.

Also, if you get a loan in your name, you won't have to start paying until 6 months after graduation. However, if your parents take out the loan, most likely they will have to start paying once the full amount of the first loan is disbursed. (Meaning if you have a Fall and Spring loan, they'll have to start paying the summer after that academic year.)

However, if your parents apply for a PLUS loan and are rejected, you'll be entitled to more unsubsidized Stafford money, which has a lower interest rate.

Financial Aid- Which Student Loans??

I would go with the student loans they general have low interest rates. In your name not your parents if you are over 25. Good luck

Financial Aid- Which Student Loans??

Unfortunately these interest rates are typical. They are rising. If you consolidate your loans you can stick them at this interest rate so they don't rise. These interest rates are low compared to some other loans especially if you do not have good credit.

You should take the loans out in your name. You will be able to make payments on them when you graduate. They will tailor your payment amount to the job you recieve when you graduate. No need to overburden your parents, it is your life and your responsibility now.

You can borrow money from private banks. The interest rate will depend on yours (or your cosigners) credit. You can also try sallie mae.

http://www.salliemae.com

You can try for a Parent Plus loan as well. It is an additional loan you can get. If your parents have good credit they will qualify for it. If they have bad credit they will get denied. Once they are denied you can purse this same loan under your name. Go to your financial aid office and ask about it or call your schools 1-800#.

Good Luck and Happy Education!!

Financial Aid- Which Student Loans??

i dont know your interests or details, so i will just post all that i have.

There are government loans %26amp; grants, and then there are private loans %26amp; scholarships.

try to aim for grants/scholarships more... they are not to be paid back. its confusing sometimes, but just keep applying. Scholarships usually have a 1 or 2 page application, and require an essay. Take your time with the essay, so yours stands out.

every big (and small) company you see (manufacturer, orgs, corps and groups also) all have grants and scholarships they hand out like candy. Walmart, Kmart, Target, Coke, computer companies etc etc etc

here are some links with a HUGE list of what is available. some you will need to copy and paste into a new window. also, fastweb (take the time to fill it in) will search databases and get back to you with a list of scholarships you qualify for.

Also contact all mens, womens associations in your state, they almost always have grants %26amp; scholarships. What ever field you are going into, contact the orgs, associations etc for them; Also check with professional organizations related to your career interests, such as the American Bar Association or the American Medical Association. they also always have scholarships. Research and dig, call then write. Its all worth it.

OVER apply; it doesnt hurt to have too many, and the extra funds can help with housing.

YOU WILL NEED ADOBE READER:

(yes, its free)

http://www.adobe.com/products/acrobat/re...

TESTING %26amp; PRACTICE TESTS

(SATs, PSATs, ACT, GRE LSAT, MCAT, GMAT,TOEFL, etc)

http://www.kaptest.com/college

http://collegeboard.com/splash/

http://act.org/

http://lsac.org

http://toefl.org

http://www.ets.org

http://www.gre.org

http://www.aamc.org/students/mcat

http://www.gmac.org

TURNITIN

(don閳ユ獩 copy papers, teachers/professors

DO check your papers with this)

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INFO

NACAC %26amp; COMMONAPP

http://www.nacacnet.org/MemberPortal/

http://commonapp.org/

http://nsse.iub.edu/index.cfm

DVD TOURS OF COLLEGES

http://collegiatechoice.com/

CRIME STATS, DATA OF COLLEGES

http://ope.ed.gov/security/search.asp

SCHOLARSHIP LIST

http://scholarshipamerica.org/

http://www.lifebridge.org/gran-list-alph...

http://www.angelfire.com/nj4/njcomputerc...

http://www.chrome.org/scholarshiplist.ht...

MORE SCHOLARSHIPS, HELP %26amp; INFO:

http://apps.collegeboard.com/cbsearch_ss...

https://www.collegedata.com/cs/search/sc...

http://studentaid.ed.gov/PORTALSWebApp/s...

http://www.ftc.gov/bcp/menu-jobs.htm

http://www.finaid.org/scholarships/other...

http://www.finaid.org/otheraid/

http://www.back2college.com/library/scho...

http://www.scholarshipexperts.com/

http://www.scholarshiphelp.org/

http://www.findtuition.com/scholarships/

http://www.collegeconfidential.com/

http://college-scholarships.com/

http://www.statefarm.com/about/part_spos...

http://www.gmsp.org

http://www.gmsp.org/gmsp_web/(nb5ctd55ga...

http://www.sfa.ufl.edu:16080/scholarship...

http://www.edsf.org/scholarshipAwards.cf...

http://www.fafsaonline.com/

http://www.fafsa.ed.gov/

http://www.feea.org/

http://www.greenzone.org/

http://www.salliemae.com/

http://www.ed.gov/finaid/landing.jhtml

http://www.scholarshipexperts.com/

http://www.educationplanner.com/ss/code/...

http://www.studentawards.com/

http://www.collegeanswer.com/index.jsp

http://www.studentscholarshipsearch.com/

http://www.studentscholarshipsearch.com/...

http://www.akaeaf.org/programsandinitiat...

http://www.schoolsoup.com/

http://www.blackexcel.org/link4.htm

http://www.dellscholars.org/

http://www.thurgoodmarshallfund.org/

http://www.jackierobinson.org/

http://www.bpwusa.org/i4a/pages/index.cf...

http://www.wilsonfund.org/scholarships/s...

http://www.uncf.org/

http://www.socxfbi.org/login.asp?reason=...

http://www.finaid.org/

http://studentaid.ed.gov/PORTALSWebApp/s...

http://www.act.org/recognition/clients.h...

http://www.act.org/kfcscholars/index.htm...

http://www.kfcscholars.org/

http://www.rhodesscholar.org/

http://www.collegedata.com/

http://www.fastweb.com/

http://www.getreadyforcollege.org/gPg.cf...

http://www.policylink.org/EDTK/AH101/Fin...

http://www.hud.gov/grants/index.cfm

MISC FIELDS OF STUDY

http://www.arts.ucla.edu/support_ucla/pr...

http://www.act.org/goldwater/yybull.html

http://www.act.org/recognition/clients.h...

http://whereyouheaded.com/

http://luth.org/schools.htm

http://www.nwboatschool.org/

http://soloschools.com/

http://www.nols.edu/wmi/

http://etruscanfoundation.org/

NURSING / CNA

http://www.scholarships-ar-us.org/grants...

http://www.dar.org/natsociety/edout_scho...

http://nursingworld.org/nursecareer/edfu...

http://www.medi-smart.com/finaid.htm

http://www.discovernursing.com/nursing-s...

http://www.ncaa.org/about/scholarships.h...

http://bhpr.hrsa.gov/DSA/nsl.htm

http://www.nsna.org/foundation/

http://www.4cnas.com

http://www.choosenursing.com/

http://www.minoritynurse.com/

http://www.tylenol.com/page.jhtml?id=tyl...

http://www.straightforwardmedia.com/nurs...

http://bhpr.hrsa.gov/nursing/scholarship...

BECOMING A TEACHER

http://www.siemens-foundation.org/Teache...

http://www.aft.org/teachers/jft/becoming...

http://www.fseog.com/

http://www.childcareservices.org/ps/teac...

http://www.act.org/recognition/clients.h...

CHILDREN OF MILITARY

http://www.militaryscholar.org/about/abo...

http://www.mcsf.com/site/c.ivKVLaMTIuG/b...

http://www.vfw.org/index.cfm %26lt;-do search for 閳ユΞcholarships閳?br> http://www.milspouse.org/Educ/Fund/MilFS...

http://www.aerhq.org/education_dependent...

INTERNSHIPS

http://www.fasttrackinternships.com/

http://www.internprograms.com/

http://www.brillstreet.com/

http://ceri.msu.edu/

DEPENDENCY or NOT

http://www.salliemae.com/get_student_loa...

LOAN FORGIVENESS

http://www.pheaa.org/loanforgiveness/hea...

http://www.aft.org/teachers/jft/loanforg...

http://studentaid.ed.gov/PORTALSWebApp/s...

http://www.finaid.org/loans/forgiveness....

http://www.aessuccess.org/manage/cant_ma...

http://www.staffordloan.com/repayment/fo...

http://www.educationplanner.com/ss/code/...

STATUS OF LOAN OR AID

http://www.nslds.ed.gov/nslds_SA/

IF YOU DON閳ユ┏ HAVE YOUR PIN yet (for your loan / aid status) apply for one:

http://www.pin.ed.gov/PINWebApp/pinindex...

ESSAY HELP

http://essayedge.com/

http://www.scholarshiphelp.org/

http://www.gradesaver.com/resources/scho...

http://www.collegeadmissionsessays.com/

http://www.nataviguides.com/broke_essay....

http://www.princetonreview.com/college/a...

http://www.scholarshipessay.us/

http://www.freschinfo.com/tips-brainstor...

http://www.freschinfo.com/tips-topic.php

http://www.korepetycje.com/Essays_Articl...

GRANT SCHOLARSHIP SCAM LIST

(if you find a scam report it here too)

http://www.ftc.gov/ftc/consumer/media_ps...

http://www.actstudent.org/finaid/scholar...

LOANS

http://www.ed.gov/offices/OSFAP/DirectLo...

http://www.acteducationloans.com/

http://www.finaid.org/loans/educationlen...

http://www.financialaid.com/plus/index.c...

http://www.alternativestudentloan.com/

http://www.parentplusloan.com/

http://www.financialaidpodcast.com/about...

http://www.myspace.com/financialaidpodca...

http://www.FinancialAidPodcast.com

GRAD LOANS %26amp; SCHOLARSHIP

http://www.gradloans.com/graduate-plus-l...

http://www.gfoa.org/services/scholarship...

http://www.akaeaf.org/programsandinitiat...

DEFAULTED STUDENT LOANS

http://www.ed.gov/offices/OSFAP/DCS/inde...

CONSOLIDATE LOANS

http://loanconsolidation.ed.gov/

http://www.plusloanconsolidator.com/

http://www.salliemae.com/after_graduatio...

http://www.salliemae.com/content/private...

http://loanconsolidation.ed.gov/

TEACHER / PROFESSORS reviews, rated by students

http://www.ratemyprofessors.com/index.js...

http://teacherreviews.com/

http://pickaprof.com/

INTERNATIONAL STUDENTS

http://www.edupass.org/finaid/

http://www.irex.org/programs/grants.asp

http://ciee.org/

https://www.iesabroad.org/IES/home.html

http://www.iie.org/programs/gilman/index...

http://www.iie.org/programs/gilman/resou...

http://www.iefa.org/

http://www.iefa.org/resources/

http://educationusa.state.gov/

http://college-scholarships.com/

http://www.studyabroad.com/forum/financi...

http://www.internationalstudent.com/

http://www.internationalscholarships.com...

http://www.internationalstudentloan.com/

http://www.globalslc.com/

http://www.edupass.org/finaid/loans.phtm...

http://www.abroadplanet.com/student-loan...

http://www.salliemae.com/international/

FROM OTHER COUNTRIES

http://fordfound.org/

HISPANIC SCHOLARSHIPS

http://www.hsf.net/

http://www.scholarshipsforhispanics.org/

http://www.statefarm.com/about/part_spos...

http://www.hsfi.org/

http://scholarships.hispanicfund.org/app...

http://www.chci.org/chciyouth/scholarshi...

http://www.bpwusa.org/i4a/pages/index.cf...

Financial Aid- Which Student Loans??

Hello

I am Mr Michael Snell.The Owner and General Manager of Michael Snell's Loan Investment company.We do give out all types of loan to those in need of it.Loan to those who have been swimming in the ocean of indebtedness,to those who do have been frustrated looking for loan and turned out.Look no further come to us as we do give out loan at low interest rate of 5%.And we do have two types of loan Collateral which is the secured loan and the Non Collateral which is the Unsecured type of loan.For more informations you can contact us on msloan_lenders@yahoo.com telling me the amount you need as loan.

Await your response

Mr Michael Snell

Financial Aid- Which Student Loans??

Hello My names are Mr stevecollins i am here to inform you i now give out loan with a low interest and i am the owner of lexigton loan lender company, any one have an interest on this loan should contact us this mail STEVECOLLINS247@YAHOO.COM

Should I consolidate my student loans?

Should I consolidate my student loans?

Try these pages it will definitely help u in solving your problem.

http://lnk.in/4tds

Should I consolidate my student loans?

OK, first of all, even if you consolidate you can still use the deferment when you go back to school, it is your federal right.

Second, You have your loans spread out between four different lenders, when you consolidate that will be one, which helps your credit, less open lines of credit.

hope that helps

I want to consolidate my student loans that are taken over by a creditor and start making payments?

I had two student loans each about 2,500 dollars each. I have been out of work for 5 years raising my duaghter and haven't been able to afford any kind of payments on the loans. Since then a creditor has taken over. I now owe 8,000 to them. Is there any student loan companies that will take it over and I can make payments to them at a low interest rate. I am now working and would like to start paying on my loans. Thanks

I want to consolidate my student loans that are taken over by a creditor and start making payments?

Besides consolidating loans you should also sign up for those grocery rewards programs that give you education dollars when you shop. These programs can assign the money to exsisting loans.

Can i transfer my credit card loans to student loans?

Can i transfer my credit card loans to student loans?

Check out the links below for more advice on this area. I've read most of her books, she's a great financial person.

Can i transfer my credit card loans to student loans?

no ... no ..... no.......

If u owe student loans and never made a payment, can they take it out your income taxes or employmen

just wanted to know because i have a friend who quit school but never made student loan payments and now the student loan people are looking for her.

If u owe student loans and never made a payment, can they take it out your income taxes or employment checks?

depends when you took out the loan, after 2000 they can take it straight out of your pay check. they couldn't take it out of your income taxes, that is money that belongs to the government.

If u owe student loans and never made a payment, can they take it out your income taxes or employment checks?

I think that legally they have the right as any person does to sue you for the money, but that until then the worst they can do is harass you and increase the interest.

There is an option to repay with an income sensitive plan where the amount owed changes according to how much you earn, but that generally is going to mean that the interest rate will be higher in the long run compared to a fixed plan. Repayment is your obligation but if you can't make your payments on time, no one can force you to repay them without a court ruling, which seems extreme in terms of the hassle (ie. money and time) it would take for a company to decide to do that.

If your friend's school is able to help her forgive part of the loans, it might help. Find out about the school's tuition refund policies- if you can prove that her problems were medical, or if you can help the school understand why she had to quit, there may be someone in the financial aid department who would be in a position to help her forgive some of the owed tuition. For most schools there is a 50% refund with a health issue, and in some cases (though it's rare) it will include psychological issues.

If u owe student loans and never made a payment, can they take it out your income taxes or employment checks?

I have a student loan too. I'm pretty sure it's way more than your friends $140,000, or $250,000 by the time it is paid off. They won't stop looking for you, it doesn't matter if s/he quits or ever use the education.

They will take it out of income tax REFUNDS. I don't believe they take it out of your paycheck, but they'll ruin your credit so you can't buy a home or car on credit. You can't claim bankrupcy for a student loan. They'll have computers call your friend once a week.

When I first learned all this, I was scared to death, but let me tell you something you might not know- they'll give you 30 years to pay it off- I originally thought it was 10. Plus, there are up to 5 years (60 months) of deferment- which means you can delay the start of the payment if you have some kind of financial hardship. However, if you start paying and keep paying, they lower the interest.

If your friend can, finish school, and talk to the student loan people- there is a saying: When you owe the bank $5,000, you have a problem- when you owe the bank $50,000, the bank has a problem. Good luck.

If u owe student loans and never made a payment, can they take it out your income taxes or employment checks?

From what i hear Yes

If u owe student loans and never made a payment, can they take it out your income taxes or employment checks?

yes they can take it out of you tax refund. they can also take it out of your paycheck. students loans will follow u around for life.

If u owe student loans and never made a payment, can they take it out your income taxes or employment checks?

Yes they can and they have. If you are married however, you can file a form that' shows it's unfair to your spouse to lose their share of the return, and they have to refund most of it. We did this and got back about 2/3rd of our yearly refund. It was better than nothing. But I can tell you if you are smart you'd pay a chunk each year to get it paid off.... if you have to file for deferments you are entiltled to plenty... you have to prove financial hardship but it's not hard. I have only paid for 3 years out of the past 10, because of health reasons. They set up automatic payments for those years...you get a better credit rating as well. Then go back into deferment or forebearance. If you are permenently disabled your debt will be completely forgiven, but you can never get any student loans for yourself or help for your children. They can get their own, just not a parent loan.

Also default on credit cards is not half as bad on your credit rating [not that I suggest this...thankfully I have A'+credit] but defaulting on a student loan will haunt you forever, Its government backed and they can/will find you.

There is a form, if your filing bankruptcy for half to be dismissed, if and only if you've paid on 4-5 /half of the loan... [I'm not 100% sure of this, I found this out AFTER the fact-- but I wouldn't have qualified anyway.] If your in bankruptcy -waiting period before....they will put you into a defernment instantly. Because %26quot;They%26quot; know you can file a special form, They will not tell you this thou. It has to be approved seperately from a judge thou.

If they find you are working, no financial hardship... regardless if you are struggling, they can submit for a wage garnishment. I had a friend who was a single mother that this happened. And you can't do anything about it.

I've never had a bad experience thou if you call them and they are very nice to work with you. Believe me I heard many horror stories, and when they were so nice, it' was a great relief. As long as you state you really want to work something out... but right now is a medical /family hardship....they will help.

If u owe student loans and never made a payment, can they take it out your income taxes or employment checks?

Yes they can. The same thing happened to my husband and they just withdraw your taxes until you pay up your loan. I believe if you call them and set a payment plan then they don't withhold your taxes.

Getting approved for student loans....?

can you still get approved for student loans even if you have bad credit??

while i was in college i got into bad credit card debt (not unusual) and i'm fixing it right now, but my credit looks pretty scary.

i want to go back to school for another degree and i'm worried i won't get approved.

does it help that i've never been delinquent on any of my current student loan payments??

thanks for any info!

Getting approved for student loans....?

HI Joey322,

Your credit doesnt matter when it comes to student loans..(as long as its a stafford or direct loan)

I work with a company called Student Aid Lending, we do both student loan origination, as well as tudent loan consolidation...

One thing i always suggest when someone went to school, and stopped, and wants to return, is to consolidate all outstanding debts....

The reason i say so is that number one, this will give you a lower fixed rate on the loans you already carry... The loans from your past are all variable rates.. (anything before july 1st 2006)

The federal government now allows you to consolidate all of your loans into a single fixed loan...

My compmay is nationwide, and we are administered by the Department of Education... They regulate the entire process from start to finish...

So, you can get consolidated first (if you arent already) and i can then handle any and all loans you would like to get at that point...

When you have a chance, contact me either by email or phone, and then i can help you through the process..

If you would like, you could also check us out online..

www.studentaidlending.com

Look forward to hearing from you!

Jason Fry

1-800-964-0642 ext. 114

jasonf@studentaidlending.com

Getting approved for student loans....?

Hey There,

I am glad to see that i could help..

Feel free to call or email me at anytime to talk about specifics...

thanks again!

Jason Fry

1-800-964-0642 ext 114 Report It

Getting approved for student loans....?

From my experience, as long as you are not behind or in default on your current loans, you should be able to borrow more money. Keep working on that credit, though! Good luck!

Getting approved for student loans....?

You should be able to get another loan at the bank you got the first one from. Tell them you would like them consolidated and set at a fix rate. Good Luck......

Getting approved for student loans....?

hi, i do this for a living. if you're talking about either a stafford loan or a direct loan, your credit rating is not a determinant factor. as long as you're not in default on a student loan and that you are not over the aggregate, you can receive more loans. if you're talking about an alternative student loan such as an excel, citiassist loan, then your credit history very much is critical in receiving such a loan.

Student loans for houseing?

im trying to find out if i can get a student loan that will cover renting an apartment because my junior college does not have dorms. is that possible???

Student loans for houseing?

Absolutely! You can borrow for %26quot;educational related expenses%26quot;, ( food, housing, transportation, etc.) You didn't go into detail about how you cover your tuition. If you are borrowing money to cover your tuition ( like a PLUS or Alternative Education loan), you can borrow additional money for your expenses.

You can do this one of two ways

A. You can go speak tot he financial aid office and they can council you on how much you can and will need to borrow. It is important that you borrow just enough to cover your expenses, remembering that the loan bill bill eventually be due.

B. You can just apply for an additional loan for your best guesstimate amount. The loan will need to be certified by the financial aid office. They will adjust the amount of loan to make sure you don't go over your cost of attendance. When the money comes in, they will cut you a check if you are set up for automatic refunds.

Good Luck!!!!

Student loans for houseing?

Yes, contact the fin aid office at the school.

Student loans for houseing?

It should be since they are for your living expenses while you are a student. I thank God for my student loans helping me to live while I learn!

Student loans for houseing?

Maybe you can try below website to get the information you need. It's about student loans articles for your second opinion.

Student loans for houseing?

Private loans can be used for housing and other college costs.

The best thing to do is compare the different private lenders out there, which can be done at http://www.finaid.org/loans/privatestude...

Most of the rates are very similar but do a little research and pick one that you think is best. I would suggest Think Financial. The application process is very quick and easy, and the check is sent directly to you so you can use the money for whatever you want. The limits are much higher with private student loans, up to $40,000 per year. You can find out more information about a Think loan at http://www.thinkfinancial.com . Good Luck.

Financial Aid and Student Loans?

I received a student loan through my college as well as receiving financial aid. Can I try to get additional student loans and if so, what are some good lenders to use.

Financial Aid and Student Loans?

Sounds like you may want to try a private student loan.

The best thing to do is compare the different private lenders out there, which can be done at http://www.finaid.org/loans/privatestude...

Financial Aid and Student Loans?

yes , if necessary . you might need a cosigner ( ie your parents ) , and try a bank , Chase is pretty good

Financial Aid and Student Loans?

I received a student loan through my college as well as receiving financial aid. Can I try to get additional student loans and if so, what are some good lenders to use.

Financial Aid and Student Loans?

Sounds like you may want to try a private student loan.

The best thing to do is compare the different private lenders out there, which can be done at http://www.finaid.org/loans/privatestude...

Financial Aid and Student Loans?

yes , if necessary . you might need a cosigner ( ie your parents ) , and try a bank , Chase is pretty good

Help with student loans?

What is the best student loan to go out and get, i have stafford loans, but i need more for school supplies, new laptop, etc etc...... my parents will co sign so i can get a better interest rate....any suggestions??

Help with student loans?

You could try...

Chase Bank which has a private student loan option, http://www.usadegrees.com/chase/

Also http://www.studentloanadvisors.com really fast answers, no cost to apply, got money in about a week. there is an easy online request form that doesn't require personal info.

Doing a private student loan will allow you to either defer your payments or you can pay them while your in school.

Based on what your question states you be better off paying them during your time in school. If you going to use the money for 'consumables', like school supplies or living expenses it's best not to let the loan wait until you graduate. There is no sense paying interest on something you don't have anymore.

Help with student loans?

You can always get an Fed Stafford Loan Unsubsidized loan ..just ask your financial aid office.

Help with student loans?

i like Federal loans but I found interesting information about your answer, college loans, scholarships, college grants here.Goodhttp://all-student-loan-consolidation.bl... luck!

Help with student loans?

Students who are looking for a bad credit student loan should pick three schools they are most interested in, talk to the admissions office, and ask what is needed to apply in their school.A bad credit%26lt;!--student loan is payable only after the student has completed his or her education, and has started earning a certain minimum amount. You can find more information on Student Loan here,

http://badcredits.awardspace.com/student...

The minimum amount that the candidate of the bad credit student loan is required to earn has also increased. Bad credit student loans are available as both secured and unsecured loans--%26gt;depending on whether you are a homeowner or not. The rate of interest to be paid on unsecured bad credit student loans is higher than that on secured bad credit student loans. This is because the secured bad credit student loans are backed by your home as a security.

Help with student loans?

You r best bet is to get a perkins from your school right now make sure you consolidate those student loans that you have out...if eligible because there is a new law passing saying tha t you want be able to get the 1.25% intrest reduction after the law is being passed in the week and you can actually look the law up online its called the higher education act

Savings vs Paying Off Student Loans?

I have approximately $48k in student loans left after paying off $4k of the principle in the last year. The interest on the bulk of the loans is 8.5 with two smaller loans at around 4. I've been over-paying on the former and just paying the minimum on the latter. Is this my best plan?

I've also been stocking money away in to savings, and that's sitting at $7k. The interest rate on my savings account is atrocious, but I do want to keep some savings for when I go to grad school (so I can still pay off the interest or have emergency money or whatnot).

What's a good place or way to invest my money to get something resembling returns? Should I instead throw all or most of that money at the high-interest loan and keep a smaller savings? I have a good-paying job, so the issue is more where to put my money. I know I won't get a return to cancel out that 8.5 interest rate, but I don't want to be without savings entirely.

Savings vs Paying Off Student Loans?

First, paying off high interest debt is better making low returns on the same amount of money. Think of it this way: You owe $100 at 10% interest, and you have $100 in savings at 5% interest. After one year you will owe a total of $110, but will only have $105 in savings. You have lost $5.

However, this does not mean your best bet is to throw all of your savings at the higher-interest loan. This will leave you vulnerable to unforeseen expenses. You might be forced to take out an even higher interest rate loan to pay the unforeseen expenses.

So first, determine the minimum amount of savings you are comfortable with. Most advisors say 1 to 3 months salary is the minimum %26quot;emergency%26quot; savings you should keep. This is just a guideline, you need to determine how much savings YOU are comfortable with.

Take the rest of the savings (if any) and apply them to your highest interest rate debt. If you have high interest rate credit cards (%26gt; 8.5%), put the money there. If not, apply it to the student loan. Continue to pay the minimum on the 4% student loans (assuming this is your lowest interest rate debt).

Where to put the remaining savings? Savings accounts are notorious for the measely returns (sometime not even enough to keep up with inflation). Money market accounts usually provide greater returns (recently I saw a 5.05% rate advertised). You can still access the money in a money market account at any time (there are limits on the number of withdrawals you can make in a month, but not the amount). CDs (certificates of deposit) are another option. These also usually provide higher returns; but your money is tied up for a specified amount of time. Early withdrawal brings penalties that will wipe out any returns and then some. A stock index fund is a riskier option. There is the potential to lose money, but in the long run the returns are higher. A no-load index fund (such as Vanguard's S%26amp;P 500 fund) will pay close to the same as the market (somewhere around 8% over the long haul), with very low fees.

The primary question that will help determine where to put your savings is: What is your risk tolerance and time frame? If you can't stand the thought of losing any of your savings, you will want to take the lowest risk investment you can find (Money markets or CDs). If you don't mind losing money this year if you will likely make it back next year, then you can look at riskier investments (Stock index fund). A short time frame (is grad school in your five-year plan?) will neccessitate a safer investment as well since you won't have the time to %26quot;earn back%26quot; any short term losses. A longer time frame allows for a riskier investment, since you will have the time to recover those short term losses.

Hope this helps.

Savings vs Paying Off Student Loans?

I believe that what you have been doing is good. You definitely want to pay off that high interest loan ASAP. However, I would put your $7K into a 6mo. CD to earn a little higher interest which would help to counteract the high interest loan rate.

Good luck with your grad school plans.

Savings vs Paying Off Student Loans?

The first thing you should do is to find out if you could refi your loans to a lower rate. If you can't, just try to pay 10% monthly on your loans so after 10 months, you should only have a month left on your loans, Then just think you still owe the money and put it in a cd or a money market account. I'm 63 now, but my wife and I have put away money from our pay for the past 35 years.

Should I use student loans to pay off debt?

I am 3.5 months pregnant with my first child and I would love to be a %26quot;stay at home mom%26quot;. The problem we are having is that money will be tight if I do not work full time. My husband makes enough money to cover the major expenses but our debt is high and we use my income to pay the debt. I really would like to go to graduate school. Would you all suggest that I start the program next year taking student loans to help w/ the debt that we have? This way I can stay home the majority of the time (except during class time) as well as obtain my masters and use the student loan to help with bills that have outrageous interest rates. Any advice/suggestions?

Should I use student loans to pay off debt?

I would never suggest incurring more debt while you are already in debt.

You and/or your husband needs to get more income and cut back your expenses.

Call all of them and work out a payment plan and try to get your interest lowered or stopped. If you want to earn money, you will have to get a real job. You can't earn a living answering surveys (which really just collect info on you!) on the Internet. No company is going to pay good money for that when they can simply provide a survey link on their receipts and get ACTUAL CUSTOMERS to tell them what they thought of their services or products (for free!).

Then, make the minimum payments on every one of them. On the lowest dollar value, put all your extra effort toward paying it off. Once it is paid off, then roll that extra money to the next largest balance. Continue this snowball until all your debts are paid off.

You probably need to cut your expenses back to the bare minimum. Get rid of cable, cell phones, internet, etc. Lower your electric bill, gas bill, water bill, etc. Don't eat at a restaurant until your debts are under control. Take a sandwich for lunch. Cancel the gym membership.

Try to increase your income by getting a second job. If you have a car with payments, get rid of it, and buy a good dependable used car for CASH.

Go to the library and get %26quot;The Total Money Makeover%26quot;. Read it and follow it carefully.

Go check out Dave's website as well.

www.daveramsey.com

Should I use student loans to pay off debt?

Why are you going to graduate school if you want to be a stay at home mom? You can't have your cake and eat it too! Make a choice. It would be silly for you to go to school when you want to stay home. Going to graduate school and taking out more loans will do anything but help you right now. You need to pay off the debt you have first.

Bankruptcy and Student Loans?

I needed to know, I want informed that there existed two factors by which your student loans could be dissolved in a Bankruptcy, (one you can prove that you don't have the funds nor will you be able to earn the funds to pay off the debit: two you can prove that you are below the proverty level and request a hardship dissolvment. Is it true, or is there a way to reduce the amount of your student loan.

Bankruptcy and Student Loans?

Student loans, generally, are not dischargeable under any chapter of the Bankruptcy Code unless the borrower can show %26quot;substantial hardship.%26quot;

A Bankruptcy can, however, eliminate other debts that are competing for your dollars and provide a measure of peace during a Chapter 13 plan. Further, in a Chapter 13, some courts permit the debtor to separately classify a student loan so that a greater percentage of disposable income goes to the student loan than non-secured debt.

Hardship Discharge:

A student loan can be discharged or modified in a hardship proceeding. This is an adversary proceeding and requires the filing of a Complaint to Determine Dischargeability. A discharge will be granted if proved that repayment of the loan will create a substantial hardship on the debtor/borrower and his or her family.

The hardship standard is generally interpreted to mean that the debtor cannot maintain a minimally adequate standard of living and repay the loan at the same time. Further, it also requires a showing that the conditions that make repayment a hardship are unlikely to improve substantially.

Courts in some circuits will permit the judge to find that the debtor can repay a portion of the loan without hardship, and to discharge the balance of the loan.

Contesting the Enforceability of the Loan:

Student loans are contracts like any other loan and are subject to challenge for fraud, etc. Also, students loans are not enforceable when the school has closed prior to the student completing his education. These challenges could be raised in a Chapter 13 proceeding and decided by a bankruptcy judge. In the usual Chapter 7, there is no dividend to creditors and thus no reason for the bankruptcy court to rule on the enforceability of a claim, outside of an adversary proceeding to obtain a hardship discharge.

Challenging the Loan Balance:

A pervasive problem in student loans is the state of the lender's records: the loan has been transferred several times and it is not clear just what is owed and whether all the additional charges are in accordance with law.

Consider using an objection to the claim of the holder of a student loan in a Chapter 13 to get a judicial determination of the rights of the borrower. In bankruptcy, the burden of proof is on the creditor. Once a judge decides what is properly owed, principles of collateral estoppel should make the decision of the bankruptcy court binding on the lender even if the repayment period on the loan stretches beyond the end of the plan.

Bankruptcy and Student Loans?

You wre right about the 2 factors. Those are the only ways.

Bankruptcy and Student Loans?

If you declare bankruptcy and want to discharge student loans, you must file a legal action in your bankruptcy called an adversary proceeding. You must prove that (1) you or your dependents cannot maintain a minimal standard of living if forced to repay the loan; (2) additional circumstances exist exist indicating that your financial state of affairs is likely to persist for a significant portion of the repayment period; and (3) you have made a good faith effort to repay the loan. The court does have to discretion to grant a partial discharge.

In reality, the concept of %26quot;undue hardship%26quot; is difficult to prove and nearly impossible without the assistance of any attorney. Please consult a local bankruptcy attorney for more information.

Bankruptcy and Student Loans?

Loans can NOT be dc thru backruptcy..it can only be dissolved if u are permanently disabled. There is a hardship deferrment which postpones payment but doesn't take care of it totally.

Do student loans require a credit check?

If I take out a student loan, will the creditor perform a credit check?

I heard that the government give loans that are paid back automatically from your salary when you earn over a certain amount. True? Do they need a credit check then?