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Author Topic: Can I still get a student loan?  (Read 3005 times)

marlinspike

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Re: Can I still get a student loan?
« Reply #10 on: August 11, 2007, 07:01:10 PM »
Ok, I've looked into these loans and all. Stafford unsubsidized would suit me well, only I don't want something that pays the school and then they give me the excess. I may just deal with credit card interest rates.
Gas: UMD, W&M ($$), Wake Forest, Emory, GW, GMU
Clutch: Michigan, Notre Dame, UVA, AU (yield protect?), Duke, BC (Michigan told me no on 6/13 - Thank you MI for being courteous and letting me know)
Brakes: Gtown.
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sharky

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Re: Can I still get a student loan?
« Reply #11 on: August 11, 2007, 07:52:38 PM »
I second the other posters who suggest you just visit your school's financial aid webpage...

If that's too intimidating, try www.myrichuncle.com

But for a major financial decision, I'd recommend doing about 10 minutes of actual research that could save you big money on the other side...

marlinspike

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Re: Can I still get a student loan?
« Reply #12 on: August 11, 2007, 08:17:36 PM »
Yeah, I saw my rich uncle, and I've also seen some offers from my credit card companies (and my mom's bank...I have no money there and we don't share a last name...weird). I may look into those, but I may just deal with credit card interest rates.
Gas: UMD, W&M ($$), Wake Forest, Emory, GW, GMU
Clutch: Michigan, Notre Dame, UVA, AU (yield protect?), Duke, BC (Michigan told me no on 6/13 - Thank you MI for being courteous and letting me know)
Brakes: Gtown.
(3.23 169)

sharky

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Re: Can I still get a student loan?
« Reply #13 on: August 11, 2007, 08:29:52 PM »
Well, at least get credit cards with introductory 0% APR...

marlinspike

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Re: Can I still get a student loan?
« Reply #14 on: August 11, 2007, 08:38:54 PM »
Well, at least get credit cards with introductory 0% APR...

Well, then I would have to do a transfer which would be good on the rate I would pay on the new card but bad on the rate I'd pay on these cards for transfering out (they always have fees). Honestly, the more I look at this the more I think maybe I'm worrying for nothing, my credit card rates aren't tooooo bad.

Well..I can save ~5% going with a loan from access group which is a preferred vendor for my school. And I run into the problem of needing referrences. Didn't realize that bit. Won't be able to do that. Long story, but my closest US citizen relatives (parents) won't be listed...
Gas: UMD, W&M ($$), Wake Forest, Emory, GW, GMU
Clutch: Michigan, Notre Dame, UVA, AU (yield protect?), Duke, BC (Michigan told me no on 6/13 - Thank you MI for being courteous and letting me know)
Brakes: Gtown.
(3.23 169)

sharky

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Re: Can I still get a student loan?
« Reply #15 on: August 12, 2007, 11:35:35 AM »
Or you could pay of the balance quickly on the old cards while putting new spending on the 0% cards...

... but then again, you being lazy is what lets me never have to pay interest on credit cards. :)

marlinspike

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Re: Can I still get a student loan?
« Reply #16 on: August 12, 2007, 12:58:10 PM »
Or you could pay of the balance quickly on the old cards while putting new spending on the 0% cards...

... but then again, you being lazy is what lets me never have to pay interest on credit cards. :)

I've got 6, mostly unused, cards...don't need any more. Plus, new spending isn't a problem, the problem is this one, big, unforseen expense that's already on a card.
Gas: UMD, W&M ($$), Wake Forest, Emory, GW, GMU
Clutch: Michigan, Notre Dame, UVA, AU (yield protect?), Duke, BC (Michigan told me no on 6/13 - Thank you MI for being courteous and letting me know)
Brakes: Gtown.
(3.23 169)

JohnnyOnTheSpot

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Re: Can I still get a student loan?
« Reply #17 on: August 14, 2007, 01:49:31 AM »
Why not get a stafford loan to pay tuition/living expenses and have your dad cut you a check for his share?

marlinspike

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Re: Can I still get a student loan?
« Reply #18 on: August 14, 2007, 07:03:37 AM »
Why not get a stafford loan to pay tuition/living expenses and have your dad cut you a check for his share?

Simple: because he won't. He's got a bit of a point: they both did tell me not to budget so closely because unforseen expenses have a way of coming up, but I didn't listen. Since I got myself into this spot, I have to get myself out without them doing anything is the rule.
Gas: UMD, W&M ($$), Wake Forest, Emory, GW, GMU
Clutch: Michigan, Notre Dame, UVA, AU (yield protect?), Duke, BC (Michigan told me no on 6/13 - Thank you MI for being courteous and letting me know)
Brakes: Gtown.
(3.23 169)