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Messages - alphadog24

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Incoming 1Ls / Re: Emory Class of 2010
« on: July 10, 2007, 10:18:15 AM »

I guess I'll have to get over being a non-morning person quick. I dont function very well before 11am at the earlieest.  :-\

We are screwed. :(

Cosigned. I dont know what I am going to do. In undergrad, my earliest class started at 11:45 on TTH, and 12:30 on MWF. I used to take less desireable classes so I could sleep in late  :). I dont function well before 11am either. Good thing I just started liking espresso. Maybe that'll help.

Financial Aid / Re: How to exceed cost of attendance?
« on: May 15, 2007, 03:06:25 PM »
I recently applied for a private loan from Chase.  I jumped through all of the hoops, sent in the forms, and received an e-mail this morning stating that my loan was denied.  I called and they told me that the school was not on their list of "approved schools."  I called the school and they told me that they do not "allow" students to take private loans because they know the students take more than the cost of tuition.  Very frustrating, because I am a single mother and the COA is low at my school. Hope this is not the case for you Alphadog.

Sorry that did'nt work out for you Smack. Fortunately, Emory is on their list of schools. The only issue for me is I will probably need a cosigner. I can get someone in my family to cosign, but I would rather just finance my education myself if possible. That looks like the worst of it though. Wish me luck.

Financial Aid / Re: How to exceed cost of attendance?
« on: May 14, 2007, 09:50:09 AM »
Hey Jill. I am not sure what you are looking at on the site, but I dont see anything there that says you are limited by the school's cost of attendance.

You got me a bit worried though, so I decided to call them on the phone to verify. They said that, in fact, the loans i receive from them are not contingent on any aid I am receiving from other sources or the cost of attendance that the school has set.

What they did say thoguh was that each school has a maximum amount I am allowed to borrow per year through this Education One Program. Emory has a maximum of 35K per year. I'll only need like 10k more, so I think im pretty set.

Money problems are not fun. Glad I got that straightened out. So glad I could  :'(

I dont wanna drive a KIA.

I had a problem where the cost of attendance at my school was not meeting my needs. They will not let you take out loans through their lenders that exceed the cost of attendance. For anyone that is interested, I have found a private lender that will allow you to receive the money directly and pay it off after graduation like a regular educational loan. Hope this helps other people in similar situations:

Financial Aid / Re: How to exceed cost of attendance?
« on: May 13, 2007, 04:20:19 PM »
Nevermind. I found the answers to my prayers. My friend took out a loan where they paid him directly (not through the school) AND they let him pay it off after graduation. Here is the link for anyone in a similar predicament:

Financial Aid / Re: How to exceed cost of attendance?
« on: May 13, 2007, 03:58:25 PM »
Thanks for the post Jilli. But, the situation is, if I did get a car loan, if the school does not agree to increase my cost of attendance to accomdate for the car payments, I wont be able to afford a car. You HAVE TO have a car in Atlanta. I've already made up my mind on going to Emory, so I am not sure what to do here. I dont really have access to other money.

I thought because I received a scholarship (18k/yr), I would'nt have any money problems. But it seems like that only affects your money after you graduate, in that you have less debt. Once i hit the amount of aid they allot for cost of attendance though (scholarship counts in this), then thats all im getting.

Financial Aid / How to exceed cost of attendance?
« on: May 12, 2007, 11:41:54 PM »
My plans have hit a minor snag in that, I thought law schools and lenders were happy to let you get in as much debt as you pleased, so they would be able to collect more fees and interest from you in the end. I just recently discovered that there is some kind of federal law which prohibits schools from allowing you to borrow more than the school's stated Cost of Attendance.

Does anyone know of any way to get loans where they pay you directly instead of going through the school, AND also allow you to pay the debt after you graduate like a regular educational loan? I am trying to buy a car on my own without going to my family for money, but that is seeming less and less possible unless some other option opens up.

Tulane's CDO handout they give at the ASWs say the median is 90kish, not 135k...

I, also, am inept at picking up sarcasm online.

have fun at Tulane Bbot!

I have to laugh at your avatar. I tried to learn that Jutsu but I failed. I have to settle for Rassengan.

Visits, Admit Days, and Open Houses / Emory ASW Case Review w/ Ahdieh
« on: April 06, 2007, 05:15:28 PM »
LOL, nm.

Choosing the Right Law School / Re: Tulane v UT - Am I insane??
« on: March 29, 2007, 02:37:05 AM »
What if you went to UT and moved to New Orleans after? As far as the south goes, you could do much worse than being stuck 3 years in Austin. And im sure you will be able to place well from UT in NOLA.

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