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Messages - ErinKG

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Financial Aid / Re: Citibank private loan fees???
« on: June 29, 2005, 04:30:37 PM »
I'm pretty sure the incentives are partly based on your school as well as the rate.

Financial Aid / Re: Stafford Loans from Lenders
« on: June 28, 2005, 09:08:32 PM »
Direct Loan is a government agency (or part of one) that can loan and service your loans. I consolidated my undergrad loans with them, but I did not choose them for my law school loans. They don't offer the incentives offered by the other lenders. The lenders recommended by my school offered the best incentives of all, so I went with Citibank, which was on their list.

Just an FYI - Direct Loan is great to work with. There is none of the crap involved with other lenders (I'm thinking specifically of Sallie Mae).


I received Prime+.25% (the best offered for my school). My cosigner's score is around 720 (mine is around 660, but I think they use the cosigner's).


Financial Aid / Re: How much are you spending?
« on: June 28, 2005, 01:41:51 AM »
I'm planning on 18.5k for Staffords, ~16k for private loans and 30k for uncertified private loans for the first year. I'm hoping I won't have to take out as much uncertified for the second year, but we'll just have to wait and see.

Financial Aid / Re: "amount requested"
« on: June 28, 2005, 01:40:11 AM »
Many times the rates are based on which school you are attending. Some people are getting Prime+0% from Citibank, but through my school they offer Prime+.25% as their lowest. Does your school list a range on their website? Are you choosing your school's preferred lenders?


Financial Aid / Re: Citibank private loan fees???
« on: June 28, 2005, 01:38:22 AM »
If the PLUS score is experian's standard score, then they should be similar. If you're concerned, you might want to spend the $10 (or however much it is) and check just to be sure.


Financial Aid / Re: Citibank private loan fees???
« on: June 26, 2005, 10:19:55 PM »
Try, but remember that the score you see will not be the exact same one that the lenders will see. There are specific scoring algorithms for different types of loans.

Oh, and usually the scores are pretty similar between the 3 credit bureaus. If you received a good score from Experian, your other scores will most likely be good as well.


Incoming 1Ls / Re: How often does Dell change their deals?
« on: June 26, 2005, 06:59:20 PM »
I prefer (in the hot deals forum) over slickdeals.

Financial Aid / Re: Help on choosing between two loans
« on: June 24, 2005, 01:35:27 PM »
Did you compare the incentives?

Financial Aid / Re: Citibank private loan fees???
« on: June 24, 2005, 01:33:11 PM »
I'm pretty sure the interest rate is dependent upon the school you are attending. At L&C, the lowest rate from Citibank is Prime+.25.


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