What to do about my life? (Related to College vs transportation, family)?

My car is broken, I live about 45 minutes from my college. I have hitch hiked to school before, but I got assaulted in a parking lot etc....

If I ask my mom for a ride she threatens to leave me stranded etc...she was diagnosed with about 10 mental problems, she will do something horrible and leave you in tears and then 5 mintues later she won't remember doing it. She also does identity theft etc....and she talks and talks and talks, she makes it hard to remember your homework etc..because she talks about anythign and everything unrelated to school, and she insists that people are following her and coming into her house, and really crazy paranoid sounding stuff. She basically does anything horrible she can, one of her diagnsoes is an agressive socialpath which is someone who feeds off of hurting other people and that is their only joy, she won't even do her laundry, bathe or much else, she only talks about and does things that are motivated by harm to other people. Like now she is saying she wants to put up cameras in our bedrooms and I don't want her to see me getting dressed.

I want to live by myself, in my own apartment, and also have a car, but my mom has done things to my credit and I'm not sure if I can get a loan to cover my college expenses.

I am so sad and cold hitch hiking and begging my crazy mother for rides to school everday because it involves waiting for 4 to 5 hours per day in a burger king or a library for someone to pick me up to and from school. If I'm lucky, I've also come close to sleeping all night in a parking lot near the school.

What should I try do to be able to go to college?

seriously - college should be #1 in your life right now. Here's what you need to do:

1. you need to check www.freecreditreport.com to see if there is anything on your credit. If there is, dispute it and get it expunged off your credit.

2. apply for financial aid and student loans.

3. talk to the college you go to, and apply to live on campus in a dorm if they have it, or ask them where you could live that is close by since you have transportation issues right now.

What to do about my life? (Related to College vs transportation, family)?

My car is broken, I live about 45 minutes from my college. I have hitch hiked to school before, but I got assaulted in a parking lot etc....

If I ask my mom for a ride she threatens to leave me stranded etc...she was diagnosed with about 10 mental problems, she will do something horrible and leave you in tears and then 5 mintues later she won't remember doing it. She also does identity theft etc....and she talks and talks and talks, she makes it hard to remember your homework etc..because she talks about anythign and everything unrelated to school, and she insists that people are following her and coming into her house, and really crazy paranoid sounding stuff. She basically does anything horrible she can, one of her diagnsoes is an agressive socialpath which is someone who feeds off of hurting other people and that is their only joy, she won't even do her laundry, bathe or much else, she only talks about and does things that are motivated by harm to other people. Like now she is saying she wants to put up cameras in our bedrooms and I don't want her to see me getting dressed.

I want to live by myself, in my own apartment, and also have a car, but my mom has done things to my credit and I'm not sure if I can get a loan to cover my college expenses.

I am so sad and cold hitch hiking and begging my crazy mother for rides to school everday because it involves waiting for 4 to 5 hours per day in a burger king or a library for someone to pick me up to and from school. If I'm lucky, I've also come close to sleeping all night in a parking lot near the school.

What should I try do to be able to go to college?

seriously - college should be #1 in your life right now. Here's what you need to do:

1. you need to check www.freecreditreport.com to see if there is anything on your credit. If there is, dispute it and get it expunged off your credit.

2. apply for financial aid and student loans.

3. talk to the college you go to, and apply to live on campus in a dorm if they have it, or ask them where you could live that is close by since you have transportation issues right now.

What to do about my life? (Related to College vs transportation, family)?

My car is broken, I live about 45 minutes from my college. I have hitch hiked to school before, but I got assaulted in a parking lot etc....

If I ask my mom for a ride she threatens to leave me stranded etc...she was diagnosed with about 10 mental problems, she will do something horrible and leave you in tears and then 5 mintues later she won't remember doing it. She also does identity theft etc....and she talks and talks and talks, she makes it hard to remember your homework etc..because she talks about anythign and everything unrelated to school, and she insists that people are following her and coming into her house, and really crazy paranoid sounding stuff. She basically does anything horrible she can, one of her diagnsoes is an agressive socialpath which is someone who feeds off of hurting other people and that is their only joy, she won't even do her laundry, bathe or much else, she only talks about and does things that are motivated by harm to other people. Like now she is saying she wants to put up cameras in our bedrooms and I don't want her to see me getting dressed.

I want to live by myself, in my own apartment, and also have a car, but my mom has done things to my credit and I'm not sure if I can get a loan to cover my college expenses.

I am so sad and cold hitch hiking and begging my crazy mother for rides to school everday because it involves waiting for 4 to 5 hours per day in a burger king or a library for someone to pick me up to and from school. If I'm lucky, I've also come close to sleeping all night in a parking lot near the school.

What should I try do to be able to go to college?

seriously - college should be #1 in your life right now. Here's what you need to do:

1. you need to check www.freecreditreport.com to see if there is anything on your credit. If there is, dispute it and get it expunged off your credit.

2. apply for financial aid and student loans.

3. talk to the college you go to, and apply to live on campus in a dorm if they have it, or ask them where you could live that is close by since you have transportation issues right now.

Don't want to work while in college and prefer loan; can I?

I want to transfer to Ivy League or top university in the U.S, so if I work much, I bet I cannot maintain good GPA. Anyone knows if I can loan for my living expenses or other loans for everyday needs rather than working? Please give me some ideas about my case and I would be very grateful.

Thanks in advance

You can. A lot of student loans can pretty much cover anything you want them to. Probably not the best idea though.

Try Chase's Education One Loan.

Federal student loans go to the school first and then what ever is left over you can use for what every you want.

Go here to get a federal student loan http://www.studentfinancialadvisors.com

you can...but don't. You will be in debt for toooo long. Instead just get a fun job. Work at a bar, or club, or as a bartender. It's fun, REALLY good money, and a great place to network and meet new friends. Plus, you'll be able to hook up your friends, and any pretty ladies. You don't want to be trying to pay off debt, get a job, and all the other mumbo jumbo thats comes after college is over....TRUST ME, do not get a loan. You will be sorry.

How do I apply for a college loan?

Do I register and begin or do I apply for the loan then register?

living expenses and books..

I know ..dumb question..

You can apply to your college and for financial aid at the same time.

Fill out the FAFSA form and the information about your financial need will be sent to your school. Your school will let you know how much you can borrow and will help you find a lender.

You can find the FAFSA form at this website.

http://www.fafsa.ed.gov/

Where can i get the money for living expenses while i'm in college?

grants please. i have enough loans to pay back when i get done with college

In the spectrum of educational funding, scholarships and grants are the "free money." These awards do not need to be repaid. In general, scholarships are given based on merit and grants are given based on financial need. They may be awarded based on need, or excellence in academics or other areas, or on a combination of both. The aid may be given by the federal or state government.

Many scholarships awarded to University students have separate processes, deadlines, eligibility criteria, and application forms. The resource links provided here will introduce you to a wide spectrum of possibilities available from the University and numerous other philanthropic agencies, organizations, and individuals.

Now the question is that how college funding works, the types of scholarships available, how to find them and how to apply for them. That’s pretty standard issue for a website about scholarships, although we think if you’ll pardon us saying so, that we’ve done an excellent and job of being comprehensive and readable. Here’s what’s different.

Scholarships are the ideal form of student aid, as they're basically gifts that never have to be repaid. On the other hand, student loans must be repaid, but they're made at very low interest rates, and you're usually you're not required to begin repayment until six months after you graduate. Some student loans require you to prove financial need, but some of them don't. Many students turn to student loans as a method to pay for college. Basically, if you cannot get access to the free money you have to borrow it in the form of a student loan.

work?

pizza , newspaper delivery.

cut grass , tutor others .

pose at art class, donate blood.

chuck package FedEx DHL UPS.

pimp credit slave cards.

How about work study on campus or a part-time job? Lots of people do this... Depending on your major and your class load, you may be able to work and get money for living expenses. Don't go the max out your student loans route - I did that and regret it to this day. (I graduated from college 10 years ago and have WAY too much debt from it...) Good luck.

At any ATM Machine.

Go to your FA department. They can set you up with a work study job and may be able to direct you where to go.

Overally you need to get a job or hit up Mom and Dad if possible!

Can I pay for college with financial aid, loans, and part-time work?

I will be transferring to a UC next year.

Is it possible for me to be able to pay for college, rent a apartment/room, and pay for other living expenses solely on grants from financial aid, some part-time work, and loans?

Should I just go to a CSU instead to save money?

You should try to find out exactly what your eligibilty for financial aid is, by talking with your college financial aid officer. You may be eligible to get several thousand dollars, or possibly nothing at all. You should get a handle on how much you might expect to get, then determine how much you will have to work or borrow to supplement the balance.

The world of financial aid can be complex, but basically, the poorer you are, the more you get, the wealthy dont get much, if any, at all.

yes it is possible to go to college with loans, grants, and part-time work, however, just remember one thing, if your grades fall they can and will take away any financial aid given you. with a single mother who only earns 15000.00 a year it sounds like you would be eligible for alot of assistance. you need to get with a financial advisor, they can help you figure out all you'll need and help with the paper work. good luck. you can also look into different stores, they sometimes give scholarships, yes i mean like wal-mart and target etc.

I am filing my state taxes and I am up to the College Tuition Expenses section. ?

This is what it states:

Qualifying expenses are those paid toward tuition for the enrollment or attendance of an undergraduate student at an institution of higher education (inside or outside of the state of New York). The student can be the taxpayer, taxpayer's spouse, or the taxpayer's dependent. It does not matter whether the expenses were paid by cash, check, credit card, or with borrowed funds. The student does not need to be enrolled in a degree program or attend full-time.

Tuition payments for a course of study leading to a post baccalaureate or other graduate degree do not qualify.

Qualified tuition expenses also do not include:

- Tuition paid through the receipt of scholarships or financial aid. (However, student loans or grants to be repaid do qualify.)

Can I file my unpaid loans?

Yes, America's tax is based on cash flows. Since you're paying with borrowed funds, you can file this expense.

I am filing my state taxes and I am up to the College Tuition Expenses section. ?

This is what it states:

Qualifying expenses are those paid toward tuition for the enrollment or attendance of an undergraduate student at an institution of higher education (inside or outside of the state of New York). The student can be the taxpayer, taxpayer's spouse, or the taxpayer's dependent. It does not matter whether the expenses were paid by cash, check, credit card, or with borrowed funds. The student does not need to be enrolled in a degree program or attend full-time.

Tuition payments for a course of study leading to a post baccalaureate or other graduate degree do not qualify.

Qualified tuition expenses also do not include:

- Tuition paid through the receipt of scholarships or financial aid. (However, student loans or grants to be repaid do qualify.)

Can I file my unpaid loans?

Yes, America's tax is based on cash flows. Since you're paying with borrowed funds, you can file this expense.

College money that helps pay bills ect..besides pell grants/loans?

Can anyone tell me how and what are available to students in college besides pell grants and loans, money for food, shelter ect...that you don't have to pay back, anything available for college students to help pay to go, live, expenses, ect...any info would really be appreciated...not scholarships either..thanks

fellowships (mostly in summer though)

many of them require minimal work but pay great

it depends on your major though. Some majors have plenty of opportunities while others don't.

ok, it is time for you to consider getting a job or get on welfare.

Question about being poor and paying for college?

i graduated high school a few years ago, however decided at that time not to go to college. now i am 21 in a few months and live on my own and have a very limited income. i am considering going to college once again. i was wondering due to my very low income if it would be possible to have my college expenses paid for by the government or some other organizaiton, or if i would have to take out loans and pay them back at a later date.

thanks

student loans. good luck with the debt.

As for what the gentlemen a few avatars below me said, he must have went to school eons ago.

You MAY be able to get a PELL grant, which means you don't have to pay anything back. But, ha, good luck, it's nearly impossible to get one thanks to our current president.

Yes, fill out a FAFSA form from your school's financial aid office. But beware, student loan interest rates are NOT low. They are above 7% right now!!! For a government loan!! I couldn't imagine how high the rates are for a private loan.

There are 2 types of loans - subsidized and unsubsidized. With one, you are paying interest while you are in school. With the other, the government is paying it for you. With all, it's true you don't have to pay anything back until you've been out of school for 6 months.

be VERY CAREFUL. only take out as little as you need.

I am poor too. sucks but that's the reality in today's global market. I go to a smaller college where prices aren't too exhuberant. The gov't pays it all. Financial aid covers all but about $200 of my tuition. That's a Michigan education grant and a Pell grant. I then take out the max on student loans in order to make it. I have friends who have been out of school for 10 years and still don't have to pay loans back. Do your research and homework. You can get it for free. After all, ******* get theirs free so why not the white man?

Start at the financial office at the college. They will start by applying for grants which are given by the government (no payback ever), then they will see if you might qualify for any scholars before applying for student loans which usually, you will finish school and begin your career before having to re-pay.

Yeah, I tried that. Since bush has been in office funds for schools have been slashed, leaving sky high tuition rates.

Although a single, independent student i couldn't get ANYTHING other than loans. In the end it was just ridiculous amount of hassle and debt.

There are special loans out there for low income families, I am thinking it is called a Pelt Grant. Do some research on this. The good thing about student loans are they do not kick in till six months after graduation, and you generally have a very low interest rate.

You should file the FAFSA, but bear in mind, that even if you have lived on your own for a few years and are 21, you may need to continue to provide your parent(s)' income and asset information. You should contact the aid office at the college you plan to attend and discuss your situation with them, but in the vast majority of cases, you will need parent information.

well, i find that growing certain illegal plants in your basement gives you a healthy boost in the amount of pocket money you have.

fill out a fafsa form on the internet .. they will give you some financial aid or contact sallie mae for a student loan

You may be able to get grants or scholarships. Sometimes you may have to qualify as an independant student to get more money. Have you ever considered doing some part time work at home to help with the extra money you may need for books and fees? I have been doing well online for about 2 months. There are ways to make money for free and they are legit. It is a good way to pick up some extra money for things like school and debt. If you are interested, feel free to check out my blog. Good Luck!

My college no longer accepts Nellie Mae/ Sallie Mae loans... Which kind should I go for?

Hello,

I'm a senior this year and married to a graduate who has $103,000 in student loan debt (aviation major). I'd like to not have to take out a loan at all this year, but financial aid wasn't quite enough to cover my expenses this year. And the college no longer accepts Student Excel loans. I guess too many people were taking out loans for far more than what was needed for tuition and housing and then complaining that they couldn't pay them later...?

What's a good loan preferably at FIXED interest that I could look into? Should I try to use a bank like Wachovia or Bank of America or something like NextStudent...?

take out a Parent Plus Loan where you can manage most of the billing yourself.

Need advice about going to college and working?

I am a 24 years old. Right now I am a student at a community college and also working. I have between 42-48 credits. I am majoring in Business Admin. I have also been working at a bank for 5 years in the operations department. Due to some financial reasons I need to start looking for a full time job. I have been thinking about looking at jobs in other states and even thinking about transerring to another college. Here are two options that I need some advice about.

Option 1. Relocate to a different state. Get a full time job in that state and transfer to another college. I was wondering if I transfer to another community college for my associates degree would that college still award me with an associates degree even though I would almost be finish with the program?

Option 2 Transfer to a 4 year college or university as a full time student. Try to see if I can get in an internship with the college and get a private student loan to help pay with expenses.

I would finish the 2 year degree then transfer for the 4 year degree- work part-time and take out student loans

thats what I did- 2 year business degree then 4 year business degree

DO BOTH IT WILL HELP YOU BE MORE DEPENDENT AND LEARN HOW TO TAKE CARE OF YOUR MONEY AND WORK HARD FOR YOU'RE FUTURE

Is there a student loan that takes care of tuition and living expenses?

I'm moving from the U.S. to Victoria, BC Canada in June. I plan on attending school in the fall and was going to work very hard on my degree. I want to fully focus on my education, so I would rather not fit in a part-time job. Are there student loan programs that will take care of tuition and my living expenses while I'm attending college?

i think most student loans ya can pull out money for school and living - i know sallie mae does for sure

In America, all of the extra loan and scholarship money goes directly to your bank account after tuition and fees have been paid, so any loan you get (federal or private) you'll have money left over if it's large enough. However, without a job, you'll have to budget extra hard or seek out more loans. I wish I could tell you how the financial aid system works in Canada.

GET A LOAN!!!!!!!!!!!!

I know basically nothing about the FASFA and student loans anyone mind explaining?

1. What is the difference between the FASFA and a student loan?

2. For any option can you pull out more money then you need for college for living expenses?

3. I have absolutely no idea on how it works, nada. Please explain in detail how both options work and if there are any other options out there that I could use?

Thxs

The FAFSA is an application for Federal Student Aid. Federal Student Aid includes PELL grant, SEOG Grant, ACG and SMART GRANT, Perkins Loan and Stafford Loans.

You complete the FAFSA at www.fafsa.ed.gov. FAFSA will then generate an EFC or expected family contribution. This is how much the Federal Gov't (FAFSA) feels your family can contribute to the cost of your education for one year. This information will be forwarded to any schools you listed on the FAFSA. The financial aid office will use that EFC to determine which types of aid how much aid you are eligible for.

Your school may also have state or instiutional money they can award you on top of your Federal Aid. In most cases, if your EFC is under 4000 you will be eligible for need based federal grants, if it is over 4000 you will be eligible for federal student loans.

As for living expenses, because you will live off campus, there will be extra above the cost of your tuition and fees built into your budget for living expenses. How much you actually receive will depend on the cost of your tuition and fees and how much you are awarded. For example, if your EFC is 0, you would be eligible for $4731 in PELL grant and $9500 in student loans for one year, for a total of $14,231. If your tuition and fees for the year is only $6000, then the rest you would be able to use for your living expenses (this would be the scenario at a public university or community college.) If your tuition and fees for the year is $18,000 (such as a private school) you would not have anything left over for living expenses, in fact you would have to pay the difference.

I would advise you to choose a few schools, complete your fafsa listing those schools on there and then see what type of aid package each school offers you, you can then compare your award to how much it actually costs for school and then make a decision.

Good luck

1. FAFSA is the application for a federal student loan as well as other federal and state grants. You do not have to worry about having a cosigner or passing a credit check for a federal loan. Federal loans are Stafford, Perkins, and PLUS loans.

2. Yes, your financial aid office will sometimes award more money than simply what your books and tuition costs, however not always will all of it be the "free" money. If your school is very expensive this may be in the form of a Parent loan or a federal loan.

3. The FAFSA is the starting process for all forms of federal and state financial aid. These are the best forms of fin aid. Just remember fafsa is not a scholarship application, you would apply for those separately.

Fill out the fafsa EARLY (early is 4-6 months before school starts not 2 weeks before school starts) and list up to 10 schools you want to attend. Your family income and info will then be sent to the schools you list. After you have applied for admission and been accepted the school will issue you an "Award Letter" detailing exactly what kinds and how much fin aid you will get.

Your financial aid eligibility is recalculated every year. So you need to reapply each year. As soon as you do your taxes and as close to Jan 1st as possible is best. Think Valentines day and you usually get it on time for the following Fall (Aug/Sept) semester.

Private (sometimes called Alternative loans) are evil and should be avoided at all costs.

Read this book cover to cover. It will help.

Good luck.

I know basically nothing about the FASFA and student loans anyone mind explaining?

1. What is the difference between the FASFA and a student loan?

2. For any option can you pull out more money then you need for college for living expenses?

3. I have absolutely no idea on how it works, nada. Please explain in detail how both options work and if there are any other options out there that I could use?

Thxs

The FAFSA is an application for Federal Student Aid. Federal Student Aid includes PELL grant, SEOG Grant, ACG and SMART GRANT, Perkins Loan and Stafford Loans.

You complete the FAFSA at www.fafsa.ed.gov. FAFSA will then generate an EFC or expected family contribution. This is how much the Federal Gov't (FAFSA) feels your family can contribute to the cost of your education for one year. This information will be forwarded to any schools you listed on the FAFSA. The financial aid office will use that EFC to determine which types of aid how much aid you are eligible for.

Your school may also have state or instiutional money they can award you on top of your Federal Aid. In most cases, if your EFC is under 4000 you will be eligible for need based federal grants, if it is over 4000 you will be eligible for federal student loans.

As for living expenses, because you will live off campus, there will be extra above the cost of your tuition and fees built into your budget for living expenses. How much you actually receive will depend on the cost of your tuition and fees and how much you are awarded. For example, if your EFC is 0, you would be eligible for $4731 in PELL grant and $9500 in student loans for one year, for a total of $14,231. If your tuition and fees for the year is only $6000, then the rest you would be able to use for your living expenses (this would be the scenario at a public university or community college.) If your tuition and fees for the year is $18,000 (such as a private school) you would not have anything left over for living expenses, in fact you would have to pay the difference.

I would advise you to choose a few schools, complete your fafsa listing those schools on there and then see what type of aid package each school offers you, you can then compare your award to how much it actually costs for school and then make a decision.

Good luck

1. FAFSA is the application for a federal student loan as well as other federal and state grants. You do not have to worry about having a cosigner or passing a credit check for a federal loan. Federal loans are Stafford, Perkins, and PLUS loans.

2. Yes, your financial aid office will sometimes award more money than simply what your books and tuition costs, however not always will all of it be the "free" money. If your school is very expensive this may be in the form of a Parent loan or a federal loan.

3. The FAFSA is the starting process for all forms of federal and state financial aid. These are the best forms of fin aid. Just remember fafsa is not a scholarship application, you would apply for those separately.

Fill out the fafsa EARLY (early is 4-6 months before school starts not 2 weeks before school starts) and list up to 10 schools you want to attend. Your family income and info will then be sent to the schools you list. After you have applied for admission and been accepted the school will issue you an "Award Letter" detailing exactly what kinds and how much fin aid you will get.

Your financial aid eligibility is recalculated every year. So you need to reapply each year. As soon as you do your taxes and as close to Jan 1st as possible is best. Think Valentines day and you usually get it on time for the following Fall (Aug/Sept) semester.

Private (sometimes called Alternative loans) are evil and should be avoided at all costs.

Read this book cover to cover. It will help.

Good luck.

Can I use a student loan for rent and other living expenses?

I am 20 years old and I have just gone back to school. I'm about to be a sophmore and I've decided to go into a nursing program at a community college. Unfortunately, me and my mom can't stand each other since my father's death and she's kicking me out. Can I get student loans to help me pay for an apartment and other living expenses until I graduate? I haven't had a job b/c i've been helping my mom in her family owned business.

Yes, you can use your student loans to cover any direct or indirect costs you incure because of school attendance. That includes the cost of paying your rent and all your food and bills. The problem here is that it could be difficult for you to get a private student loan without a cosigner. Federal backed student loans like the Stafford loan do not require a cosigner.

of course you can. room and board, transportation, books, food. you can use it for all that stuff and more. and if for some reason that doesent work, or you want another loan, tell them its a computer loan, then go out and buy one at costco or something, show them the receipt to prove you bought it, then return it and use the money for whatever you want. you should also look into financial aid, its never too late to update it. especially now since you can be considered as independant. you will get a whole lot more now than when you did before. Well at least that was at a state college, im not sure about community. but yeah, go for the loan thing. good luck!

How may student loans can you have? any bad credit ones besides stafford loans? help?

I NEED AN ADDITIONAL STUDENT LOAN TO PAY FOR OTHER COLLEGE EXPENSES, BUT MY CREDIT ISN'T THE BEST AND I HAVE NO CO-SIGNER AVAILABLE. MY SCHOOL IS A BEAUTY COLLEGE AND ISN'T IN MOST OF THE LISTING WHEN YOU TRY TO APPLY(ALTHOUGH IT WAS THERE ON THE FAFSA APP.) I NEED HELP WITH TRANSPORTATION AND OTHE SCHOOLING EXPENSES THERE. PLEASE HELP ASAP.

There you go : http://index-go.com/student-loans-finance.asp

Good luck !

Bad credit is one of the worst problems to have... however there exists a solution.

I will hereby talk from my personal experience.

I did debt consolidation a couple of years ago, however If I had to do it again I would pay to some minor details,

if someone wants to get out of debt today it is pretty easy with a debt consolidation plan, however it may get a bit tricky at times, I suggest you get as much information as possible online on this first,

a good place to start in my humble opinion is astraight to the point ebook with question and answer I found :

http://umgarticles.atspace.com/debt-consolidation.htm

if it helps kindly remember me in your voting!.. cheers!

College loans for grown-ups?

Here's the situation: I'm a full-time employee looking to go back to school. I plan on getting financial assistance for tuition and living expenses. My wife will be working full time, but won't be starting her job until the day I start school. If I were to leave my job about two weeks-three weeks before I start school, how am I supposed to finance those two-three weeks. Money is tight now, and even though we're saving, I'm not sure that we'll have enough to cover the expenses of that time period.

Also, where do I even start about getting all this financial aid stuff started?

Your best bet is to sit down and have a long, detailed talk with someone in the finanical aid office. Explain everything to them. Also, ask if there are any grants (ie the Pell Grant) that you might qualify for. Grants you on't have to pay back, like a loan. Also talk to the HR department at your company. Many times the company will help with tuition expenses. Good luck.

The best place to get information about financing your education is at the financial aid office in your college. Ask about federally subsidized Stafford loans.

These loans are available regardless of financial need and no credit checks are required. You do not have to begin repaying these types of loans until 6 months after you leave school. The government pays your interest while you are actively attending school and for a six month grace period after you leave.

How do I apply for school loans?

I am a high school senior who was accepted into a four year college program. My total expenses for the 2008-2009 schoool year will be over $35,000. My projected family income according to my FASFA is $0. I was given two grants and two loans as a part of my financial aid package from the schoool: The Federal Stafford Loan and The Federal Parent Loan. Now I need to apply for these loans, but I don't know how. Does anyone know how to get these?

Well, first off, youre parents need some collatrel to apply for the loan and an income would help.

talk to your academic advisor.

35 grand is alot of money though I though FAFSA gave 25 tops. Migt wanna try a private company like sally mae, bigger intrests but pays what you ask...

Your best bet would be to call the financial aid office of the college you are going to attend. They would have all of the forms you would need to fill out and would be able to suggest other loan options if what you are getting in aid is not enough to cover your tuition.

It's probably a good idea to check with them anyway to see if there are any other grants, scholarships or other funding that you might qualify to apply for.

Then sign your life away and be prepared to kiss a chunk of your paychecks goodbye for the next 20 or so years (10 down 10 to go for me!).

Questions about awards/loans for college.?

Hey! I just got my award letter from Ole Miss (the University of Mississippi) today.

The cost of attendance:

Tuition $5,272.00

Housing/Food $8,000.00

Books $1,200.00

Personal/Misc./Travel $4,494.00

Total for Residents

$18,966.00

Okay so on the letter I have:

$500 for a freshman leadership scholarship

$3500 sub stafford loan

$2000 un-sub stafford loan

$500 from the state of MS

$12,876 parent loan

Total: $19,376.

My parents don't want to take out a loan for me just in case something happens and they are stuck with a loan. So where do I find the $12,876? Where do I find a loan for this much?

For the expenses such as personal and travel, will that money just go into an account for me?

No, it wont go into an account for you... if you have money left over after your tuition and fees are paid, the excess is given to you (usually deposited into your bank account). Example: Tuition and fees and dorm and meals are 10,000 and you get 14,000 in financial aid, you will get the 4,000 in cash in excess for those mis expenses.

If your parents take out a plus loan, that money would go to them. However, you MUST have excess money. If your parents are not willing to borrow for the PLUS loan, you will NOT have excess.

You will be short.... to the tune of about...

5272+8000+1200=$14,472

500+3500+2000+500=$6,500

You are short about $7,972 if your parents don't do the plus loan. If you can not convince them to borrow for you you will have to find a cheaper school that you can attend that is less than 5500 a year. (The max amount you can borrow in federal student loans). Or find a scholarship to pay the 7,972.

Make sure your parents realize they will likely have to borrow at least that much for you again next year, and the year after that, and the year after that. (8Kx4 years...32,000 total min parent loan debt)

There is nothing worse than going to a college you really can't afford and are dependent on others for loans. You don't want to attend a few years only to be forced to come home to a cheaper school (after it's really too late to transfer) when they are unwilling or unable to borrow for you any longer.

Hope that helps.

Can you get a student loan just for living expenses?

My parents are paying for college, but i have to pay my own rent, can i get a student loan just for living expenses and not school costs? I will be living off campus as my school does not have on campus living.

Yes you can...I have a ton of student loans that were all extra for spending/rent/etc.

At the beginning of the year when you are requesting loans, you can request more than what the school estimates your costs to be. Your school will probabaly have a max of extra that they will approve. My school approved $8-10,000 extra per school year that I took out each year. In addition, if they do not approve enough to get you by, you can always do a private student loan that will not go through the school. I also have a couple private loans through Chase and Citibank.

Banks should be lining up to give you money! Just watch the interest rates if you have to do a private loan and you will be fine. Good luck!

No problem. And to the commenter below...$140K is pretty good to get away with if you go to a private med school! I have friends in debt well over $300K!

Thanks for the votes! http://answers.yahoo.com/question/accuse_write?qid=20080402195842AAuSwOR&kid=NbUvWzW0WTDwpW65j0gC&s=comm&date=2008-04-05+16%3A41%3A30&.crumb=

no..id ont think soo...unless....its an income issue....

yes. you can get a loan for anything you need while in school. Check with your bank, credit unions, sites like astrive, and do your research.

borrowing money to "live on" is a bad idea. You'll be paying that rent, utilities and everything for 10 years or more. Get a part time job and stay at home if you can.

140K in student loans is ludicrous and private loans are evil.

I don't want my parents to pay for my college...?

Please read my entire post before responding that "I'm an ungrateful spoiled snob". thanks.

My parents are rather wealthy, and have generously paid my other three sisters complete 4 year college tuitions. As with my sisters, when i go off to college in the fall, they would also like to pay for my college expenses. My parents tell me that all they expect in return is for us all to keep our grades up so that we can graduate with a good job.

Sounds great right?

Wrong. I've watched my parent’s behavior when my sisters went off to college, and they expect MUCH MUCH more than just grades. They expect you to live your life by their own morals. For example, my sisters were NEVER allowed to get a job at a bar, have a car during college, move in with their boyfriends, move into house that weren't approved by my parents first, not call any less then twice a week, and much much more. It is known that if these rules are broken, they WILL stop paying for college. During phone calls my parents expect to know EVERYTHING that’s going on, and they say that you are ungrateful for their money if you don't tell them EVERYTHING.

I sat down a month ago and spoke to my sisters about what they thought of my parents basically controlling their lives even though they are adults now. They laughed and said, "my boyfriend moved in with me anyway, i just had him out of the apartment when mom and dad came." OR "I did get that job at the bar.....I just never told dad."

So pretty much their advice is to take the money but live how I want too.....I'll be an adult, living on my own. I won't be a teenager anymore, having to hide things from my parents. I don't want to have to hide stuff anymore, I want to be independent and not have my parents on my back telling me what to do.

My question finally is, how do I tell them NICELY that I do not wish to accept their money? They never even asked if I wanted it... I work two jobs and I have a lot saved up, however, I will have to take out loans in college for the rest. I do not wish to hurt my parent’s feelings OR sound like an ungrateful snob. Please help

I think it's great that you want to do it on your own.

I don't know your parents, so I have no idea how they will react to this, but they can't force you to take their money.

I feel bad. You're parents should not be allowed to take over your life like that when you're in college. When you're 18, you're technically an adult. Tell them that you would like to get the experience of working for what you earn, that way, you'll be better prepared for the real world.

talk to your financial aid counselor about loans, grants, & scholarships. work study programs can offset your expenses, too. if the folks want to give you the money, consider meeting with a financial planner and start your retirement account.

Wow, I think that if my parents had given me money I would have done anything for them. I paid my way through 5 years of college and let me tell you, it was the hardest 5 years of my life. And now 5years after grad. I still have to pay back a lone for the next 10 years. This is only 4/5 years of your life. There may be rules about it but for you to be dept free when you finish college is HUGE. I know that does not answer you question on turning down the money, but really think about what you are doing.

I would just tell them that you want to pay for your own college as a way to learn how to be responsible with money. If they reject your request, explain to them that you feel like they are trying to live their life through you and your sisters, and you all need to live your own lives the way you want.

just sit them down and be honest with them. tell them that you want your own life and you don't want to be controlled by their money. it is not fair to you that you have to what they say just cuz they are paying for you to go to college and tell them that tell them everything you told us. i hate it when parents try to control the kids by means of money. it is not right. but yeah just be honest with them and if that doesn't work then kick and scream like a little girl lol

You are throwing away a good opportunity hon.However your parents did no wrong to not want your sisters to work at a bar.

I have been out in the world and let me tell you about bars hon.The guys who go there do NOT go there to find girls with high moral standards who want "MARRIAGE and stability in a relationship".

They are going there to find loose girls to have sex with, or girls who they KNOW they can con into having sex,even if it means lying to them and saying"I'd like to get married one of these days,but I've been hurt etc......."

Not to mention the alcoholics she would have had to deal with, jealous drunk girl friends whose b/fs talk to her too much,all kinds of guys hitting on her.THAT is just the bar job hon.

Next with the shack up b/f's what usually happens is the girl ends up pregnant and dropping out of school when he dumps after hearing the pregnancy news.You see, he is focusing on school,his job and doing girls and does not have time for a baby.

Your sisters opened themselves up for problems they may or may not have had.Yet your parents loved and cared about them enough to see they didn't want them to risk those things.

Now,with your sisters. how is the bar job going after a year or 2?Has the b/f married to your other sister?Or still using her for sex?

I mean after 5 yrs,they should have been married after the first 1 1/2 - 2 yrs.

"I love you, sex and shacking up" is NOT commitment hon,sorry.Watch their lives and listen to their complaints for a while.They are disgracing your parents by the way they live.

I think if you are going to indulge in your sisters immoral style of living then yes,you SHOULD pay your own way.

ur pretty dumb. no offense. there are so many people who have no choice but to work three jobs to pay for college on their own, and here you are with the advantage of having it all be paid for you and you arent smart enough to take it. Trust me, in five or six years when you have to start paying off your student loans, you will wish more than anything that you had taken your parents help.

i think even if u don't take the money they will want you to call, and they won't want you to move in with your b/f, and they won't let you work in a bar. (all of which sound reasonable to this 17 year old)

you say that

'They expect you to live your life by their own morals'

will yeah i would hope so, they are your parents. they want what is best for you. they know that being in college you are still young and making stupid mistakes and they just want you to do what's right. there is nothing wrong about having morals you know.

bottom Line your parents will always tell you what to do even if you pay for your own college or not. whoever said that they won't expect you to call or give you their opinion if you pay for your own schooling?

I think that will be upset if u refuse the money but all in all it is your own choice. make a goood one

You don't sound ingrateful or snobbish.

You sound like you wouldn't mind having the tuition paid but you don't want your college EXPERIENCE in itself to be bought. That is understandable, and even commendable that you want to spread your wings at college and live your own life without lying or faking or agreeing to things that would prohibit you from making your own choices. That is honest and mature.

This is what I would do. I would tell them upfront just what you wrote here.

I do have to say that some of their requests are not that unreasonable. Most parents don't want kids moving in with boyfriend with or without tuition.

No need to have a car on campus. And calling twice a week is not that big of a deal. So, you compromise.

You say, I want to do right by you and by my own convictions Mom, Dad. I saw some things with sisters that worked well, and some that didn't. I am planning on calling you twice a week at least because I WANT to. I do not want you to tell me that I HAVE to because there is no need to do that. I want to be able to chose my job, my friends and my studies and for you to trust me to make the right decisions. I want to be able to be an adult and include you in my decisions and college life-- without it being repayment for your generosity.

OK probably a little flowery in the wording but you get the gist of what to say. Or just print out what you wrote here, and all the answers that support your thoughts.

Best wishes with this situation and on your bright future :)

ok just tell them that u want to experience first hand how it is to work for money that u need and that u are very grateful for them willing to pay for ure college but that their not always gonna b around and you need to experience first hand how that would be so u dont get suprised l8r on in ur life

I'm guessing you feel like your parents are pretty strict and now you want to get out and spread your own wings and get out from under the rules. My parents didn't give me a dime for school and still watched me like a hawk (Who are you dating? Where do you work? What time did you get back to your dorm last night? etc.)

While your newfound independence is great... So many people would LOVE to be in your position (myself included). I used loans and financial aid to cover schooling & have accumulated $45K in student loans (at a private university). I still have a year and a half left! My husband has $103K in student loans. We're trying to buy a house, but the most we can get approved for is $75,000 b/c of the loans. That doesn't buy much! Oh, I wish I could have had someone else foot the bill for my schooling! I won't say you're being ungrateful, b/c I can see where you're coming from. But I do think you're being a little foolish. 1.) Most people don't get a dream job right out of college. If you're majoring in anything other than pre-med, count on only making between $20,000 -$30,000 after you graduate. The economy is bad now, jobs are hard to come by, and loan lenders are getting more and more picky. Even if you wanted to take out a loan, at 18 years old, who would you use as a co-signer? Your parents won't co-sign on a loan if they could pay for it without interest now! I think you're making a bad decision.

By the way, college is a LOT harder than high school and you have a lot more homework to do. I really doubt you'll be able to work 2 jobs in college and do well.

Does any one know if one has to itemize expenses related to a student loan?

I am already familiar with Stafford and other federal and private loan programs and grant systems. My question is specific. Do you need to keep your receipts and categorize all the expenses that you use the loan money for?

Please don't waste my time with smart ***, single word answers, or answers like "talk to your advisor at the college" or "contact your loan company" I already plan to speek with the "experts" I am asking the question here because I want advice from people with real life experience regarding this specific aspect of borrowing for college. I have heard that I can use the money for rent, car, and groceries but want to know if these sorts of expenses need to be itemized and reported.

My experience with government agencies has tought me that one seldom gets a clear answer from those who hold the purse strings! Often the answer is incorrect.

Helpful answers only please! If you don't know the answer to this, don't bother me!

First of all, it's best to have documentation of anything that goes on your tax return for auditing purposes so yes you need reciepts and whatever else.

Second of all, student loan interest is an above the line deduction so you don't have to itemize to claim it.

Private Educational Loans for College?

I'm applying to graduate programs in film production for 2009. These programs tend to be very expensive, for instance, a two- or three-year program in cinematography or directing can run from $100,000 to $130,000 for everything (tuition, fees, and room and board) during those two or three years.

The less expensive programs ($30,000 to $75,000) will teach you how to use the equipment but not how to tell a story through the visual medium. They can be compared to a writing program that teaches someone how to type and then considers them a writer.

Since getting work after graduation depends largely on the networks developed with your classmates and professors, it's critical to go to the best school/program possible.

Federal financial aid only covers $20,000 per year...what else can I do to cover the cost of tuition and expenses other than get private educational loans? I know that they have much higher interest rates than federal loans and they tend to be variable (based on LIBOR) too.

My advise to you is not borrow more over the course of your college career, more than you would expect to earn your first year upon graduating. If cinematographers earn 50,000 starting out after college, and you borrow no more than this amount, you will be okay and be able to afford the payments.

If you have borrowed 150,000 for a 50K a year job, then you have a problem. You also will want to be assured you will be able to find a job in this field after graduation, so check the newspapers for the town you will be living in to see if they are available and what the salaries are.

You can go to

http://www.student-loans-choices.com

or

http://www.about-student-loans.net

it's about unique student loans information.

Good luck

DONT go into debt! You will regret it!

You can learn the information you are missing you your own. You can still network.

Anyways, sallie mae is a private lender. Get a co signer or you will have really high interest rates.You can also contact the school Financial Aid dept. They may work with or know about other private lenders and be able to give you more options.

Good Luck

If i paid for college with student loans, will i get spending money from the loans?

someone i know told me the other day that i could go to college using student loans without having a job, but when i ask this person how do i get spending for food, personal items, money for gas to get to classes, money for health insurance, etc... how can i pay for all that without a job & this person told me that the government will give me back money for those expenses if i use student loans? it all seems to be too good to be true to me, it's a little fishy to me! i mean is any of this actually true? please answer me, i am so confused!

However much you take out on your loan is how much you have to repay (with intrest) so you can take out more than your tuition but you will have to reapy it in the end.

You have an option of taking out loans while you are in school but you have to sign a master promissory letter to receive them. This states that when you graduate you will pay back the loans with interest.

You may be eligible for grants according to your state that you do not have to repay.

The only way you can get your loans paid is if you go into a field that pays for your loans if you work for them for a couple of years. Some nursing and social work fields have these programs.

A loan is a loan. Meaning you will have to pay it back eventually. Not sure what "Will give me back money for those expenses" means, but she could be referring to federal grant money.

If you are poor, the government will give you a GRANT, that does not have to be paid back to help you pay for your tuition and books and things. Some get a lot of grant money.. 4,700 a year, some get not much... 500 a year. Some get none!!

Those who get grants (and those who don't) can also opt to take out student loans... up to 5,500 a year for a dependent student.

Now RARELY is it enough to pay for ALL your tuition and fees and books and such to keep you from having to work at all.. but sometimes you get a little extra after those things are paid to help you with rent and groceries or a dorm room if you have one.

If you find a REALLY cheap community college costing only 2000 a year, that would give you 3500 to live off of. Personally I couldn't survive on that.... but I suppose some might.

College loans?

Isn't the average amount of time to pay off college debt around 10 years? I'll need to look more into loans?

It depends on how much you make afterwards. ; -) Expect 10-12% (according to bankrate.com) on private loans and (according to bankrate.com - sorry I've never taken out a student loan so I can't help you here) Stafford loans are 6.8% but I believe they only cover 2 or 3 thousand USD hence the need for private loans. Then you consolidate all loans upon graduation (which evidently is capped at 8.25%) and let's just say (I didn't look up fees, but am guessing) UF costs 25k per annum for all expenses. So then you have 100k in debt, you'll pay ~1200 per month to pay it off in ten years. 30 years = ~800. I feel like the maths is fuzzy, probably because I am doing it my head, have had no sleep in weeks, and don't know the actual numbers for the eqn.

^is the above statement true?

Someone was throwing around a lot of numbers and little sense as far as I can tell. lol

Stafford loans are automatically scheduled to be repaid over 10 year period (Standard Repayment), although depending on the amount you have borrowed you may qualify for extended repayment. The required borrowing limit is $30k in Stafford loans to qualify for Extended Repayment.

Hi .. my sister required funding for college and went through a lot of trouble researching companies that could help her out. She was really disappointed with most of the ones she came across.. however there was one company called Credila that really helped as it had uncomplicated procedures for student loans. You can get further information at

http://www.credila.com/apply_for_loan2.html

Roughly yes I don't feel like doing the math but if u do borrow 25k per annum yes. IT will be more like 140k when u pay it off! U have to take into account interest! Don't take out that many loans unless u are in the healthcare field because it will be hard to make that payment on a low salary of 40k. That is what most people start at when they get out of undergraduate.

If u make 40k a year u will take home 2433$ a month if u have 1200 a month in student loans u will be living the same as if u got out of HS and worked for minimum wage! However in the long run u will have more opportunity for advancement. Go to a community college if u have to or a less expensive school NO SCHOOL IS WORK 100K IN DEBT! Maybe an Ivy league but UF is most certainly not! U will

Is it possible to survive on loans for school and living expenses, while working during breaks?

I want to know if this plan is feasible and any advice that would work.

I plan on working on a second bachelor's degree in civil engineering. My plan is to work full time for 1.5 or 2.5 years, then go back to college part time (9 credits) and work 15 hours a week for the first 3 semesters. Then I want to go to school full time for the last two years, without working, and only focus on my classes, so I plan to take out loans to pay for my degree and living expenses. I plan on working full time during winter and summer breaks.

Other details:

- I plan to go to college in downtown Chicago and also work there when I have the time.

- I plan on living in a studio apartment as close to my school as possible.

- The school I'm attending is an in-state public school, where I will pay $4850 for each of the 3 semesters that I'm attending part-time and $6757 for each of the 4 semesters that I'm attending full time, so this equals $41,578 total.

- I'll also work on establishing a good credit rating before I start college.

Questions:

- Is taking out loans for college and living expenses feasible?

- How much money should I take out in loans?

- How hard is it to go from attending school full time for a semester to finding a job during breaks?

- Additional advice?

I go to college full time online and work . I have a student loan to. What you need to do is a budget plan. That's mainly it. Anything is possible if you make that step.

College Loans???????????/?

I'm entering an out of state intuition next fall, and basically, i have to cover my EDU all by myself. (My parents arent financially in the right state to help me pay off college) I know I can get a substantial amount of FA, but at the same time I feel like it won't be enough to cover all the other expenses.

I hear stories about established adults now still working to pay off their college loans. Are college loans really That bad? Are they really THAT hard to pay off? If I go into computer science/engineering and wind up getting a job after 4 years, Do you guys still think it will be hard to pay off loans in such a hot high paying major?

how can college loans in themselves be "bad"? They are MONEY at low interests for conscientious people who absolutely need them to buy books and FEED themselves.

But most of them just use their loans to buy booze, cars, clothes, generally unnecessary stuff and THEN they moan they can't pay them off.

Just don't be a loser like them and you will be more than ok.

Use the loan for WHAT THE LOAN IS MEANT TO BE, yes?

There are people from Africa and other developing countries that would die to be in your position.

Finanacial Aid usally does a great job providing the proper amount of aid to you. I think you could get a side job like at the college book store or something to help you get the extra money you are looking for.

Not everyone runs big debts, only those who think it's free money. I know people that also took up bartender jobs and those didn't do too bad at all.

well whatever you do don't leave college within some time you will be able to pay back you will have a degree it s helps more than what it takes

Yes, Student Loans can be a bear to pay off. You have to remember, your have ZERO of the expenses in life now, as you have when your done with school. Rent, car payments, car insurance, cable, power, etc.....etc.....and I'm not even into starting a family expenses......... The thing with these student loans, and I'm speaking to you as someone who's just getting to see the light in paying mine off, you have to look ahead. Don't pay for stupid (((( with the loans. Don't take the max and then use the leftover $500 to get drunk with your buddies. 15 years from now, that drunken weekend will cost you $1500. If you get a good education, and can get yourself a good gig, you'll be fine, just try to only use what you need while in school. If you don't need the max, don't take the max allowed to you.

How do student loans work?Do they provide money for living expenses?

For a real State run College that also offers complete Online Degrees such as :Thomas Edison State College in New Jersey, Excelsior College in New York and Charter Oak State College in Connecticut would I be able to obtain Student Loans provide me with money for living expenses as well if I choose to do my Bachelors Online through Distance learning?

most schools don't allow you to receive money for living expenses when you take ALL of your classes online. And the ones that do, usually only let you receive about $1500 or so per semester for livng expenses.

And the way student loans work, the loan money is sent to the school, the school takes out what you owe for tuition and fees and whatever is left over is refunded to you to use for living expenses.

Does anyone know where i can get a loan w/ no credit check for school(college)expenses?

i have spotty credit in my past but good credit for last yr i just had a bad time in my life and im trying to get a fresh start but desparetly need about $5000.00 to pay some expenses for school im enrolled full time and i really need this money for new comp sys room and board etc. after this year ill be fine but i need real help.

I am pretty sure all of them are going to do a credit check. But let me know if you find somewhere who is willing to hand over 5k without checking on who you are first.

Maybe you can try below website to get the information you need. It's about a unique student loans solution for your second opinion.

loan offer at low rate here and you can contact me for more informations at peterson.loaninvestment@yahoo.com

Go through the government. Fill out a fafsa (fafsa.gov) and you should at least be able to get some kind of financial aid (loan, grant, etc.) Stafford loans usually have lower interest rats as well. There is a limit to how much you can borrow. (As a sophomore I can only borrow up to $3500) But that would be a start.

Student loans for living expenses?

I'm a full time Nursing student living in San Francisco. I work 32 hours a week and am paying for my school and car loan. I need help financially. I'm one of those people stuck in the middle - I'm not poor enough to qualify for school grants yet I'm not rich enough to pay all my bills off without going into overdraft sometimes. I just finished applying for FAFSA, but I would like an additional loan for college students who need $ for living expenses.

Basically, I need a student loan that will help me pay for rent. Preferably a loan that will give me more than $7,000 for a year. FAFSA only gives about $5,000 for undergrads, especially freshmen under 24 (me). $5,000 does not get you very far, especially in SF.

I tried applying for the collegiate loan at Wells Fargo, but I needed a cosigner and my cosigner was rejected.

Does anyone know of any other student loans available? This is a long shot, but does anyone know of other student loans NOT requiring a cosigner? I need one designed for students living off campus. Any help would be really appreciated. Thank you!

Try several lenders to see if you can get a collegiate loan. Chase, Sallie Mae and Citibank are just a few lenders out there. Just because one lender turned you down doesn't mean they all will. Also, loans are for any school expenses: tuition, fees, books, housing, etc. There aren't any that are specifically for housing. So once your tuition and fees are paid, anything left should go to you to use as you need.

Unfortunately the only student loans without cosigners needed are the federal ones. Perhaps you should find a cheaper school, sell your car, or get a room mate or two or three. My mom moved back in with her mother for two years (with 2 little kids) to get her bachelors degree.

Students and parents who must deal with the high cost of a college education have available to them a wide range of student loans. This article offers details on three general types of student loans. Unlike other student loans, application for a specific Stafford Loan should be preceded by the filing of a Free Application for Federal Student Aid (FAFSA). The FAFSA application should be made in the name of the aspiring student.

http://www.worldbestloans.com/student-loans.htm

Like some other student loans, application for the Signature Loan permits the use of a co-signer. In fact, there is a real advantage to applying for a Signature Loan with a co-signer.

Is it possible to survive on loans for school and living expenses, while working during breaks?

I want to know if this plan is feasible and any advice that would work.

I plan on working on a second bachelor's degree in civil engineering. My plan is to work full time for 1.5 or 2.5 years, then go back to college part time (9 credits) and work 15 hours a week for the first 3 semesters. Then I want to go to school full time for the last two years, without working, and only focus on my classes, so I plan to take out loans to pay for my degree and living expenses. I plan on working full time during winter and summer breaks.

Other details:

- I plan to go to college in downtown Chicago and also work there when I have the time.

- I plan on living in a studio apartment as close to my school as possible.

- The school I'm attending is an in-state public school, where I will pay $4850 for each of the 3 semesters that I'm attending part-time and $6757 for each of the 4 semesters that I'm attending full time, so this equals $41,578 total.

- I'll also work on establishing a good credit rating before I start college.

Questions:

- Is taking out loans for college and living expenses feasible?

- How much money should I take out in loans?

- How hard is it to go from attending school full time for a semester to finding a job during breaks?

- Additional advice?

It's doable, but you have to consider you're going to have to pay all this back. And it's going to be a lot. You have $41k right now projected, but as you remember from your first degree, tuition rises quite a bit every few years. I would take a SWAG and give you tuition expenses of close to $55k, and that's not including all your living expenses, which could put it closer to $75k.

When I went to college, I was taking almost 15 hours a semester and working 35-40 hours a week. It wasn't fun, and I had almost no social life, but it's doable. Unless you want to be paying on this loan for the next 30 years, I would seriously consider looking for grants and scholarships and taking maybe a year or two more, working a little bit more each week, and paying cash for your education.

It's a choice of graduating in 4 years with $75k in student loan debt (that's a decent house!!!) or in 6 years debt free.

Frankly, you are probably better off going to school part time (like 6 hours as semester) and not stopping. You won't need as many credits to get your second bachelors degree, but you probably want to consider a master's instead. That will provide alot more career options.

But the idea of going to school for 9 credit hours and only working 15 hours a week doesn't sound like much. You have to think of the pay you will be able to get working only 15 hours a week. You are looking at a close to minimum wage job. Plus, many people go to school full time and work 25-30 hours a week. Also, consider a job that has tuition assistance, like Home Depot or Starbucks.

But the idea of living off loans isn't a very good one. And the chances of your finding a job during breaks is getting harder and harder. You will be competing with everyone else trying to do the same thing. Instead, look at a job you can do during the year, then move more full time to during the breaks, or just go straight through. There is no reason to take time off if you plan on living off loans.

You want to work for 1 1/2-2 years, then go back. It will be much harder to go back after working and getting accustomed to living on a higher income. You would be better off taking a class or two a semester still instead of taking the time off.

If i paid for college with student loans, will i get spending money from the loans?

someone i know told me the other day that i could go to college using student loans without having a job, but when i ask this person how do i get spending for food, personal items, money for gas to get to classes, money for health insurance, etc... how can i pay for all that without a job & this person told me that the government will give me back money for those expenses if i use student loans? it all seems to be too good to be true to me, it's a little fishy to me! i mean is any of this actually true? please answer me, i am so confused!

You can get loans that are big enough to cover your tuition AND living expenses, i.e. food, gas, etc.

Loans suck because they can put you in debt that you will have to pay back for years. But sometimes its the only option.

Have you tried to get grants? The US gov gives out thousands of grants every year that you never have to pay back. Almost everyone can get them, you just have to know how! Check out the site below to get a free grants kit. You'll be happy you did.

If you qualify for financial aid then you get SOME help with money,you have to pay back like half which IS FANTASTIC because if free education to become something! however they want to make sure there arent people takeing advantage,cough cough

so its hard to qualify,and you cant not have a job and be in college!

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What can I possibly do online to earn me some money? I cannot cater for college expenses. Someone help please.

I am a 20 old male bachelor of commerce student in Nairobi Kenya. I am in my first year and already I am unable to cater for college expenses. I do not want to drop out so I am looking for something. I have got all the possible help from government, loans etc. but not enough. I browse thrice a week two hours each time. What is there for me online to make use of those two hours each time? Help me please.

how about tutoring people through the net. i haven't done this but it sounds legit. www.tutor.com

good luck!

You can have the method for free. Get free ebook from http://giveyouthis.info about make money from Proxy sites. It's work!

you will learn Step by step method and the script where you can download and how you can monetize you site with $$$.

Then you must visit http://www.makefreecash.org Maybe their advice will help you.

Part time work,filling shelves in a supermarket,filling station attendant,gardening,sell your body.There are many,many options.

Has anyone ever gotten a student loan to cover college expenses?

Federal or through a private lender? What happened? Was it easy & did you have a credit profile before ?

I got federal loans. They did not check my credit score, but for private loans they will. All you need to do is take out more then the cost of attendence.

loans for college expenses

loans for college expenses