superblytrife
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so for the loan forgiveness program I would have to be at my job for 10 years? eff that
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Originally Posted by milkandcookies
Anyone have any advice for me?
I'm looking for some sort of financial aid, or federal loans with lower interest rates... but my family doesn't "qualify" for fafsa aid or financial aid from my school because our income is high...
unfortunately our financial situation isn't as simple as simply income... we are pretty strapped right now and I really want to make it easier on my family, but my parents won't let me take out private loans...
Any advice?
can I emancipate myself... what about scholarships?
has anyone had any luck with scholarships.com or fastweb.com?
0 they been stop calling years ago, I know all the laws and loop holes regarding loans. If your haing problems woring out loans with collections call financial aid ombudsman. They will put the collections in check and get your rates down to affordable payments. Once you mention ombudsman to a lender they will get their act straight right awayOriginally Posted by rocathajordans23
How many phone calls a day do you get?Originally Posted by KingSuperbIV
I owe 60k. 'm not even pressed about these student loans and never will be. i already came to the conclusion the only way they will get their money is if i hit the lottery.
Havent paid on my loans in 5 years
I was very fortunate to come from a family that owned a very successful company and saved every last dollar. My college was paid for out of pocket and I have no loans to deal with. My brother went out of state, so they took out some loans, but they are minimal. A lot of my friends...different story. It's pretty brutal.Originally Posted by Bruce Waynee
Due to grants and my parents helping me out some, I only owe about 10k which I am very thankful for. Grad school I will probably have to take out some more loans though
If you get put into collections, doesn't your credit take a major hit?Originally Posted by KingSuperbIV
0 they been stop calling years ago, I know all the laws and loop holes regarding loans. If your haing problems woring out loans with collections call financial aid ombudsman. They will put the collections in check and get your rates down to affordable payments. Once you mention ombudsman to a lender they will get their act straight right awayOriginally Posted by rocathajordans23
How many phone calls a day do you get?Originally Posted by KingSuperbIV
I owe 60k. 'm not even pressed about these student loans and never will be. i already came to the conclusion the only way they will get their money is if i hit the lottery.
Havent paid on my loans in 5 years
Yep. I have a parking ticket from a private lot (a spot that I paid for and have proof of payment) and they still sent it off to collections, claiming I never paid. I have bad credit because of an $8 parking fee, and it's been going on a year-and-a-half. I can't imagine what five years of not paying loans off will do to your credit score, especially if it's off to collections.Originally Posted by syxth element
If you get put into collections, doesn't your credit take a major hit?Originally Posted by KingSuperbIV
0 they been stop calling years ago, I know all the laws and loop holes regarding loans. If your haing problems woring out loans with collections call financial aid ombudsman. They will put the collections in check and get your rates down to affordable payments. Once you mention ombudsman to a lender they will get their act straight right awayOriginally Posted by rocathajordans23
How many phone calls a day do you get?
Originally Posted by an dee 51o
Shut up. Who said that? Public universities have implemented significant tuition hikes in CA (I don't know about other states).Originally Posted by GetThisMoney
Smh everyone feels like they should be entitled to an education from a private university yet they dont want to pay the price. Many public/state universities are a quarter of the price and provide a decent education. As for unfair interest, I agree some people have exorbitant rates although borrowing big amounts from private banks should have been avoided.
I hear you The EncoreOriginally Posted by kobe4threebang
Originally Posted by The Encore
Sallie Mae wasn't and still isn't trying to work w/ me to lower my payments ... They are asking for about 1K+ a month ... I told them to Eat a D, and they can get the money when I kill myself due to them pressuring me
I'm calling BS on this one. The only way they will forgive your loans is if you're dead or become severely incapacitated. If they're not demanding payment, I'm guessing it's because you don't have a job and they have no way of garnishing it.Originally Posted by KingSuperbIV
0 they been stop calling years ago, I know all the laws and loop holes regarding loans. If your haing problems woring out loans with collections call financial aid ombudsman. They will put the collections in check and get your rates down to affordable payments. Once you mention ombudsman to a lender they will get their act straight right awayOriginally Posted by rocathajordans23
How many phone calls a day do you get?Originally Posted by KingSuperbIV
I owe 60k. 'm not even pressed about these student loans and never will be. i already came to the conclusion the only way they will get their money is if i hit the lottery.
Havent paid on my loans in 5 years
rocathajordans23 wrote:
KingSuperbIV wrote:
I owe 60k. 'm not even pressed about these student loans and never will be. i already came to the conclusion the only way they will get their money is if i hit the lottery.
Havent paid on my loans in 5 years
How many phone calls a day do you get?
nah... what does your credit score look like bruh!! (rhetorical)
How many phone calls a day do you get?Originally Posted by 2b1ASK1
rocathajordans23 wrote:
KingSuperbIV wrote:
I owe 60k. 'm not even pressed about these student loans and never will be. i already came to the conclusion the only way they will get their money is if i hit the lottery.
Havent paid on my loans in 5 years
How many phone calls a day do you get?Originally Posted by 2b1ASK1
rocathajordans23 wrote:
KingSuperbIV wrote:
I owe 60k. 'm not even pressed about these student loans and never will be. i already came to the conclusion the only way they will get their money is if i hit the lottery.
Havent paid on my loans in 5 years
Most CSU schools are garbage. I know that first-hand. If you want a good education, sometimes you need to take out loan then you get @#+$ ed.Originally Posted by GetThisMoney
Originally Posted by an dee 51o
Shut up. Who said that? Public universities have implemented significant tuition hikes in CA (I don't know about other states).Originally Posted by GetThisMoney
Smh everyone feels like they should be entitled to an education from a private university yet they dont want to pay the price. Many public/state universities are a quarter of the price and provide a decent education. As for unfair interest, I agree some people have exorbitant rates although borrowing big amounts from private banks should have been avoided.
Tuition is a measly 6gs, less than a quarter of most private univeristies and easily payable. Sit down.http://www.calstate.edu/sas/costofattendance/
Originally Posted by an dee 51o
Most CSU schools are garbage. I know that first-hand. If you want a good education, sometimes you need to take out loan then you get @#+$ ed.Originally Posted by GetThisMoney
Originally Posted by an dee 51o
Shut up. Who said that? Public universities have implemented significant tuition hikes in CA (I don't know about other states).
Tuition is a measly 6gs, less than a quarter of most private univeristies and easily payable. Sit down. http://www.calstate.edu/sas/costofattendance/
Originally Posted by an dee 51o
Most CSU schools are garbage. I know that first-hand. If you want a good education, sometimes you need to take out loan then you get @#+$ ed.Originally Posted by GetThisMoney
Originally Posted by an dee 51o
Shut up. Who said that? Public universities have implemented significant tuition hikes in CA (I don't know about other states).
Tuition is a measly 6gs, less than a quarter of most private univeristies and easily payable. Sit down. http://www.calstate.edu/sas/costofattendance/
Originally Posted by Jking0821
I hear you The EncoreOriginally Posted by kobe4threebang
Originally Posted by The Encore
Sallie Mae wasn't and still isn't trying to work w/ me to lower my payments ... They are asking for about 1K+ a month ... I told them to Eat a D, and they can get the money when I kill myself due to them pressuring me
Its funny when you call them and they take your financial information down. I make this much.....i pay this much....they then say ok looks like you have $300 disposable income a month......we can get your loans down to.....$950 a month.....and i just laugh. You realize that isn't possible for me to pay right?
Then they ask how you are going to manage to pay it... UM Sell drugs??? idk i can't pay it you idiot thats why i am calling you
The problem is they never give you a realistic idea of what your in for. Partially to blame are the students and partially the banks (sallie Mae) I know when i went to school my mom had never dealt with any of this. So i was on my own. Sallie Mae said you just take out school loans and you can pay them back over time. Everyone does it can't be too difficult right. Oh i got cleared to take out enough for four years of school at a private university....cool that must mean i can do this.
Then you graduate and you are paying over $1k a month....where is that possible for a 21 year old kid unless you have 0 bills.
Not including food, rent, etc. It adds up.Originally Posted by GetThisMoney
UCLA and UC Berkeley are the one and 2 best public schools in the country and are 10k a year compared to 30-40k for most privates. This means max you will borrow is 40k, assuming you get 0 fed grants which I know 90% of students are eligible for the Pell Grant of up to 5k a year.