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Messages - stjobs

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21
General board for soon-to-be 1Ls / Re: HLS Class of 2010!!!
« on: July 17, 2007, 07:41:52 PM »
Spice Thai *may* be within an eight-minute walk. I remember it being decent.

22
General board for soon-to-be 1Ls / Re: HLS Class of 2010!!!
« on: July 17, 2007, 07:17:24 PM »
Wait, I just remembered delivery. Convenient, especially in the dead of winter. Maybe I'll cook 75% of the time ::)

23
General board for soon-to-be 1Ls / Re: HLS Class of 2010!!!
« on: July 17, 2007, 06:58:32 PM »
Rangzen, 24 Pearl St. Good Tibetan, near Central Square.

La Mexicana in Union Sq. (haven't been there, sounds like it might be good)

Punjabi Dhaba in Inman Sq. (haven't been there, and I'm very skeptical of recommendations for Indian, besides)

Le's (formerly Pho Pasteur) in Harvard Sq. is pretty decent and cheap.

Of course, all of these places are unpleasantly far from my apartment. I'll be cooking almost all the time.

24
General board for soon-to-be 1Ls / Re: HLS Class of 2010!!!
« on: July 12, 2007, 11:41:45 PM »
The insurance fee is on my e-bill, and I don't remember waiving coverage...

25
General board for soon-to-be 1Ls / Re: HLS Class of 2010!!!
« on: July 04, 2007, 11:20:47 AM »
Yeah, I called yesterday. It's fine. The woman at first read the standard terms from the website but when I told her it was for HLS she put me on hold for five minutes then came back and said that the loans were administered through MOHELA and had the 2% rate reduction when repayment starts.

26
http://boston.craigslist.org/gbs/nfa/

If you can pay $1300 or so it shouldn't be that hard to find a decent no-fee studio within 5 minutes' walk.

27
General board for soon-to-be 1Ls / Re: HLS Class of 2010!!!
« on: July 02, 2007, 04:22:06 PM »
Thanks! The 2% reduction for auto-debit does seem like the best deal available. I did apply through that link IIRC and I think when I read the 0.50% reduction I had found my way back to the BoA site through some other avenue (it wasn't the HLS-specific page). I'll call and get it sorted out.

28
General board for soon-to-be 1Ls / Re: HLS Class of 2010!!!
« on: July 02, 2007, 02:10:25 PM »
Argh... any of these are better options than Bank of America, which only offers a rate reduction for auto-debit (and it's 0.50%, not 2.00% as claimed on the HLS site). Partially my fault for not reading the terms that closely, but they should really update their table.

29
General board for soon-to-be 1Ls / Re: HLS Class of 2010!!!
« on: July 01, 2007, 10:54:27 PM »
Quote
I thought T.H.E. was the better option.  There's no origination or guarantor fee, and there's a 1.5% interest rate reduction that begins on repayment.  You keep it until you are 60+ days past due, and it begins again as soon as you become current.

Based on the above, I guess it is. The HLS loan page didn't list T.H.E. in the comparison chart, though, and I'm lazy. I also use BoA already (not that it really matters for the purposes of finding a lender). The terms listed on the BoA site are .25% rate reduction for auto-debit and a 1% reduction of the outstanding principal balance for each year that you make the payments on time... somewhat different than the straight 2% interest rate reduction listed on the HLS site, but not terrible either.

At the least, to respond to the original question, almost any of the recommended private lenders will be better than the Direct Stafford Loan option, where you have to pay the nasty 2.5% origination fee.

30
General board for soon-to-be 1Ls / Re: HLS Class of 2010!!!
« on: July 01, 2007, 08:39:56 PM »
Quote
What is everyone doing for their loans?  I am trying to decide whether going through a private lender is worth the hassle.

Stafford, Stafford, Stafford ;) I'm going with Bank of America. No origination fee is the most compelling reason, even if for some reason I end up missing the interest rate reduction for auto-debit and on-time payments.

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