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Messages - ErinKG

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I prefer (in the hot deals forum) over slickdeals.

Financial Aid / Re: Help on choosing between two loans
« on: June 24, 2005, 04:35:27 PM »
Did you compare the incentives?

Financial Aid / Re: Citibank private loan fees???
« on: June 24, 2005, 04:33:11 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.


COBRA is ridiculously expensive.  My company has a pretty bad health plan, and it would cost me $200 a month to continue using it through COBRA!  The plan that Northwestern offers isn't much cheaper.  The only reasonable option I've found so far is Blue Cross/Blue Shield, which offers dozens of plans from $50-$100 /month.  Of course these benefits are much more limited than what I'm used to, even with the bad health insurance I have through work now. 

Wow, that's really cheap for cobra. My company's cobra is over $400/month. Yikes! Sure, it's a pretty good plan - but not that good! I'll probably end up going with blue cross unless I can get my BF to marry me by the end of July. Then I can be on his plan at work for $100/month.


Financial Aid / Re: Bad Fin. Aid Office--Please Help
« on: June 22, 2005, 07:58:44 PM »
There are loans you can get that do not need to be certified by the school. These are above and beyond your COA. BofA has one (education maximizer) and Bank One does as well. There are a few threads here about them - I recommend you find those threads for more info.

I will tell you though, don't tell the fin aid office that you are getting one of these uncertified loans. They can decrease the amount of federal loans you get if they find out you have another source of money. I currently work at a college and our Director of Student Financial Services told me that this can happen. I'm not sure how often they do it (usually they don't find out about the additional loans), but they can if they want to.


My solution to having to juggle kids and work - tubal ligation. I had one back in April and I am liberated! I will never have to worry about accidentally getting pregnant with a brat!

I think that any woman that wants kids and wants to be partner is crazy. You can't do both right in that kind of situation. We have to make choices in life and we all know that we can't have everything. There is not enough time in the day to be a good mother and do what needs to be done to be a partner.


Yeah, that's what I'm starting to think too. I'm hoping to find someone who has received a loan without both. I'm confident that I'll get the loans for the amount within the COA, but I'm going to need more than 15k over 9 months. Also, if I don't get a paying job in the summer I'll need money for that. As soon as my mortgage refi goes through (tomorrow!), I can start applying for the private loans and see what happens.

I'll check WF and BoA. I have long-time checking accounts at both. I wonder if they care?


Has anyone been able to get one of these loans without income and without a cosigner? My credit is pretty good, I have 7 years of work experience and I own my house. For some reason I thought I read somewhere that someone in my situation might be able to get one of these loans without a cosigner.


General board for soon-to-be 1Ls / Re: Asking for scholarship money
« on: May 12, 2005, 02:11:29 AM »
I think it would be good to add something about what you would bring to the school. Are you an older student with lots of life experience? Diverse in some other way? They are looking for people who stand out. Let them know why you are great and why you deserve the money more than another person. Certainly, it's good to mention your financial issues, but I really feel that you should go beyond that.


I agree with the person that said don't burn your bridges. I'm in a pretty high level position and Portland is a small city. I don't want to regret anything I do due to my annoyance with my current position. I was all prepared to give 2 weeks and basically say 'screw you', but my position is one that is very difficult to fill and I have a lot of knowledge that no one else has. Certainly, I'm not irreplacable, but it would make it hard for the company to get things done if I left with only 2 weeks notice. In fact, I think they would know it was a slap in the face and would probably spread the word to those people they know in the legal world. I gave 5 months notice and it has worked out great, except for those bastards who are complaining to my boss that I seem to have one foot out the door. Yeah, I'm excited to leave, but I'm actually working harder now than I was before because I want to ensure that my replacement is all set.


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