Open Question: can i add a state college to chapter 7 bankruptcy and get my transcript.?

i was told by 2 lawyers that i could and that there is case law on it but neither would tell what the case unless i retained them as my lawyer. can some one please help me with this. i am not talking about a discharging student loans. PLEASE DO NOT SEND ME THE EMAIL OF MOBSTER LOAN SHARKS THANKS!!!!!

21 Nov 2008, 9:19 am | click here for answers

Open Question: Student loan revoked?

Half way through the semester, one of my friends recieved a letter in the mail stating that his student loan was being revoked. He's a full time student in good standing with the school. The only reason they gave was the financial crisis. Can they legally do that?

21 Nov 2008, 7:05 am | click here for answers

Open Question: What can I do for my amazing Husband?

I want to do something really special for my husband but I can't think of anything and I don't have lots of money. He is so amazing and deserves the best. We just got married a week ago. We've been together for 3 years and living together for 2. He spoils me to no end. He is always surprising me and showering me with adore and affection. He gets up in the morning and cleans the snow off my car for me even though he could stay in bed another hour. He stays on top of his chores. He has been helping me pay off my student loan debt. He speaks highly of me to his friends and family. He said last night that he can't wait to have kids with me. He told me I'd be a great mom. He does every this for me and I just don't know how to repay him. I never asked him to be so perfect. I guess I just got lucky. Anyways, he's leaving for basic training in 39 days for the Army and I really want to do something for him. thanks so much for any ideas you can provide! :)

21 Nov 2008, 6:33 am | click here for answers

Open Question: withdrawal from course affect student loan?

I need to withdrawal from a class because I am getting a D and don't want it to affect my GPA. Will this affect my loan? I have an unsubsidized loan so I know I will be paying back the loan anyway. And will this affect any scholarships I might apply for in the future? This class is just an elective so I don't need to take it over.

21 Nov 2008, 5:13 am | click here for answers

Open Question: Are there limits on interest rates on student loans?

21 Nov 2008, 5:12 pm | click here for answers

Open Question: Is it true if you get a student loan that your credit goes up?

I just started school and got a loan and someone from financial aid told me that once I have this on my credit that my credit score goes up is this true?

21 Nov 2008, 4:47 pm | click here for answers

Open Question: What is the fastest way to get a private, direct-to-consumer, student loan?

21 Nov 2008, 4:31 pm | click here for answers

Open Question: Applying for student line of credit, smart idea?

i really want to go to school, and i have to find a way to pay for my tuition on my possess, as my family is unable to support me someone brought up the idea of a student line of credit and its one of my last options would you suggest it? do you or someone you know applied for one before? or is there a better way to go? i already applied for student loans and i am not approved due to withdrawal restrictions.

21 Nov 2008, 3:28 pm | click here for answers

Open Question: maternity leave in canada and paying back osap?

i graduated in june and and am due next june.. i was wondering that while your on maternity leave if you need to pay back your student loan ( i have osap) or if they dont make you pay for the year or so you are off.. thanks!

21 Nov 2008, 3:04 pm | click here for answers

Open Question: Is there anybody here who?

made it on their possess without their parent's help? Like after you were done with high school and had a fall out with your parents, and your parents absolutley refuse to help you in any shape or form, i.e. tuition/student loans, insurance (health, car), etc. Anyone just did it possess their possess?

21 Nov 2008, 1:10 pm | click here for answers

Open Question: Student loan disbursements are through Citibank. Any chance these wil be affected?

I receive another disbursement of my student loan in January and then again in March. Any chance this could be affected by what is happening at Citibank right now?

21 Nov 2008, 12:05 pm | click here for answers

Open Question: How can I get a full scholarship for my Graduate studies?

I'm majoring in Biology for my Bachelors degree, and the tuition in my local university is dirt cheap. But once I graduate, I want to go to a university over at the States. I was thinking of a Masters and Doctorate degree in Marine Biology. However, my parents can't afford to pay 10,000$+ by semester in tuition, and paying off such heavy student loans once I graduate can be a huge hassle.

21 Nov 2008, 10:03 am | click here for answers

Open Question: not sure how much i should contribute to flex spending account?

this is my first time doing it and i need a lot of dental work done. right now i need root canal and crown on front tooth and bottom front tooth. i need wisdom teeth taken out. i dont want to conribute so much that it affects my bills or other emergency items(car breaks down). right now i have rent, car note, insurance, student loans, cell, cable, water, electric, etc. right now i have metlife insurance- they cover $1500 per calendar year. im thinking about contributing anywhere from $1000 to $2000. what do you think??

20 Nov 2008, 9:29 am | click here for answers

Open Question: Salary of LCSW in Private Practice - NYC?

This question is strictly for psychotherapists, or LCSWs in the New York area. Can anyone tell me how much you make in an established private practice for mental health therapy? I know how much you can charge per session but every toll, after a year, what is the average that you make? I am not going into this for the money, but I would like to know if there is any way of me being able to make a good amount of money in the distant future. I am considering accepting my offer to an MSW program, but it's expensive and I want to know if I'll ever be able to pay back my student loans ;) Please give real answers, if you can. Thanks a bunch!

20 Nov 2008, 9:22 am | click here for answers

Open Question: WHAT GOOD WILL STIMULUS MONEY DO?

FOR PEOPLE OWING CHILD SUPPORT OR MONEY ON STUDENT LOANS? WON'T GOVERNMENT STEP IN AND TAKE IT? isn't this just an excuse for feds to receive money from deadbeat parents?

20 Nov 2008, 9:22 am | click here for answers

Resolved Question: Air force and student loans?

If i join the air force...is it true that i can receive my loans deferred as long as im on active duty...and what about the interest rate?

20 Nov 2008, 8:43 am | click here for answers

Open Question: I think my FAFSA award is wrong, what can I do?

I only make $400 a month, and barely have enough to keep after my car payments and other miscellaneous things. I have a single mom and she makes 40K. For the spring semester I only got approved for a $3,500 loan. Is that right? I was expecting a grant, since me and my mom make just enough to receive by. Here is my EFC: Contribution from Parents: $2,420.00 Contribution from Student: $4,925.00 Total Expected Contribution: $7,345.00 I don't look where they expect me to receive $5,000 a year from, if anything those numbers should be switched around even though my mom can't receive that much herself. Any ideas what I can do?

20 Nov 2008, 8:41 pm | click here for answers

Open Question: Financial Aid/Student Loans?

Hi, I have just received my acceptance letter for College at Concord University, and I filled out my FASFA a few weeks back. I know I didn't qualify for a Grant, but should I qualify for a student loan???? I have been trying to set me up an appointment with financial aid office, to find out what i need to try to do but they haven't returned any of my calls. Is there anything i can do to find out if i qualify for a Government Student loan???? they told me to go to the places online, but it is every based on your credit, and i cannot receive any loans like that.

20 Nov 2008, 8:38 am | click here for answers

Open Question: What company should I go through to get a private student loan?

I've been through Sallie Mae with the tuition answer loan before, and I am leaning towards them. But with this economy, is taking out a private student loan risky, and can I expect the interest rates to be higher?

20 Nov 2008, 8:31 pm | click here for answers

Open Question: What to do let them garnish my wages or file bankruptcy?

ok so i have 2 creditors that are sending me papers.....i have about 11500 in credit card debt, another 2000 that an apartment is saying i owe them and is taking me to court, a private student loan for 16000, and a car loan of 12000 and the car is worth 11000.....o and i dont currently have a job....dont know which to do.....please help

20 Nov 2008, 8:24 pm | click here for answers

Open Question: OSAP??? Do they pay for rent, and car payments, when your attending school?

My pal told me that in there application she told them she was living at home, but she was paying rent! and she doesn't have a car, but one of her mothers car she will be using, and therefore paying the gas, and car payments and insurance. So they gave her the money, i don't know if i completely believe her shes one of the friends, who always is telling tall tales, but i was really curious. If im living at home, and telling OSAP that im paying 500$ rent, and 200$ car payments, 150$ car insurance, and aprox 150$ gas monthly, will they give me that in a student loan??? Im working full time at the moment, but upon starting school, i'll only be working weekends, the first year. Or at least till i receive accustom to starting school. I am aware that I will have to tell them about my income. any comment are appreciated!

20 Nov 2008, 7:52 am | click here for answers

Open Question: I have a serious credit problem. Any advice?

I have a few credit cards that are currently in collections. Also I am having trouble paying my car payment and on top of that I have to start paying my student loans this month. I haved collection agencies calling me every day and night, and I just can;t pay every the fees and balances. Does anyone know a reputable and inexpensive debt consolidation company that can help me reduce my debt and receive back on track?

20 Nov 2008, 7:51 am | click here for answers

Open Question: Paying back student loans?

I'm in a jam. I need to payback my student loans but their is no way possible for me to do it. Both my wife and I have student loans. I'm guessing on her side she has around 50,000 to 60,000 in loans that she has to pay back. I'm around 18,000. A year and a half ago we filed a chapter 13 bankruptcy. THis does hold off studnet loans until we are out of the chapter 13 which will be in about a year and a half. I know that a chapter 7 will not receive rid of the student loans, but their is now way I can pay that amount back. Is their anything that I can do, or is their a something that I can do to receive the payment amounts down to a reasonable amount?

20 Nov 2008, 7:50 pm | click here for answers

Resolved Question: How and why does a student loan get "terminated" without the borrower being notified?

I got a bill from my school saying that I never payed them, but I had a student loan that was supposed to be disbursed a month ago. So I went on the Wachovia website (where I got the loa from) and they said the loan was terminated, but gave no other details. Why would this happen, and shouldn't I have been notified?

20 Nov 2008, 6:08 pm | click here for answers

Resolved Question: Private Student Loan Debt---Can you answer this?

I owe almost $100,000 in student debt, $80,000 of it being private. When you add up every my payments, i will have to pay $1,300 a month. Someone suggested that I consolidate my loans for a lower interest rate and payment, but no one is offering consolidation because of the economy. I have no idea what to do and know very well that I will not be able to make my loan payments and regular bills when I graduate. I am in big trouble!!!

20 Nov 2008, 5:39 pm | click here for answers

Open Question: I have recently filed for Chapter 7 Bankruptcy and had my 341 meeting a few weeks ago. I have student loans ?

with Sallie Mae and my understanding was that it wasn't dis chargeable. Since that meeting I haven't made a payment to my student loan and usually when I am a day tardy i receive harassed by them with phone calls to my home, cell and work. I have not been contacted and on my credit report Sallie Mae posted that it was included in bankruptcy. My petition included Sallie Mae so is there a chance that I have slipped through the cracks and my loans could be discharged? I also try to log into my account online to look my balance and it is no longer available and it gives me a number to call. I call and can never talk with anyone. any help on the subject is greatly appreciated.

20 Nov 2008, 5:39 am | click here for answers

Open Question: If a country is steadily running budget deficits..what sorts of important programs get set aside?

assuming of course that the budget deficits occur due to taxes being lowered and less tax revenue coming in. what happens to things like bridge repair, highway improvements, 21st century infrastructure development, space exploration, college grants and low interest rate student loans, etc..????

20 Nov 2008, 4:39 pm | click here for answers

Open Question: Does it make sense that FAFSA only approved me for a loan?

I am entering SJSU, I am a dependent student and make only $400 a month. every of income goes towards my car payments and the relax is miscellaneous, I end up having very little at the end of the month. I live with my single mom, and she makes about 40k a year. Again our rent is somewhat high, and she has no support from my dad, so she ends up having just a little bit in her savings by the end of the year. I only got approved for a: Fed Unsubsidized Stafford Ln of $3,500. Enough to cover my Spring semester, but given my situation I was expecting a grant. Is this right? And if not what can I do to change this course of action? Thank you. Thanks for every the info. I think something went wrong with my application, or maybe my special circumstances form has not been processed yet because my EFC has this listed: Contribution from Parents: $2,420.00 Contribution from Student: $4,925.00 Total Expected Contribution: $7,345.00 I don't look where they expect me to receive $5,000 a year from, if anything those numbers should be switched around even though my mom can't receive that much herself. Thanks again for the info, I will talk to them tomorrow. I did submit my FAFSA application 2 days tardy, and my SJSU application got processed as soon as possible for transfer students for the Spring semester which was in August.

20 Nov 2008, 4:19 pm | click here for answers

Open Question: Okay, what the heck is going on with this student loan?

Im applying for a Sallie Mae loan as I'm writing this and I'm really confused. I want to apply for a tiny loan like $1000-2000 but I just filled out the application and NOWHERE did it ask me for the amount I wanted to borrow. Its a Federal Stafford Loan, can anyone tell me how this works, because I REALLY don't want to do something stupid.

20 Nov 2008, 4:18 pm | click here for answers

Open Question: Does the law profession outweigh the student loans? Is a Tier 2 law school worth the money?

I am thinking about attending law school after I have done my master's. There are two reasons why I am doing it. One is to receive a second chance to tug up my grades. SInce I was living in another country, when I moved to USA, I struggled a lot with the language, ergo my GPA is not as good as other law school applicants (3.4) The second one is because I am not sure that I will be able to attend to law school. Does the profession (what you make after you graduate) outweigh the student loans? Most good law schools would either cost me out of state tuition or be private institutions. every in every, I would end up with approximate $125,000 in loans only. Is it really worth it? Are there programs that help repay these loans? Second of every, I have been researching and with my GPA and possible LSAT score( I am pretty sure I will not receive a 162),my options are mainly second tier schools. Is going to these schools worth the cost? Or, should I just not go to law school if I can't receive into a tier 1? (You know, the saying that you are buying your profession...) Without tiers, what is the lowest ranking you recommend anyone getting into law school in order to (when you graduate) receive a good job? (Please mention some good law schools besides the typical Ivy league) If my interest is mainly research and policy analysis, should I even go to law school? Is there more to it than just the litigation part of it? Thanks !!!!

20 Nov 2008, 3:49 pm | click here for answers

Open Question: Is debt consolidation really the answer? ?

I currently have a student loan, car loan, four department store credit cards, and three credit cards from various companies (Capital One, MBNA, and Bank of America Visa). I owe about $8,500 collectively on every my debt and my payments are well over $600/mo. I'm starting to think I can't afford it anymore. Do you think I qualify for debt consolidation? I just don't want to receive in a position where I can't pay my debt. I need help.

20 Nov 2008, 3:44 pm | click here for answers

Open Question: can unsubsidized fafsa loans disburse funds other than for housing?

on student loans- can the title IV aid for living expenses after tuition amount is paid by the loan - the rebate - be used with unsubsidized fafsa loans as with subsidized?

20 Nov 2008, 2:59 pm | click here for answers

Open Question: how much money should i have saved before i move out?

im 18, done with school and work full time. i have 2 options: a. move out with 2 friends b. go to college my first question is how much should i keep if i plan on moving out with my friends? i have hardly anything saved as of now and want to move within the next 4 months. i make around $300 a week and my expenses are: insurance- $90 cell- $80 gas- $300 i have terrible spending habbits and a credit card with $500 run up on it already. but im working on getting prioritys straight and learning to budget. my second question is, if i decided to go to college and have to quit my job and move, how does someone support themselves? student loans? my parents dont have anything saved for my school so id be paying it every myself. how much should i have saved before i go off to school?

20 Nov 2008, 2:38 pm | click here for answers

Open Question: Do English university students get a maintinance loan or grant during a placement year?

it will be my bf's 3rd year at uni but he's doing a placement then finishing his course the year after. Going through Student Finance Direct (that company! important) what funding did any of you receive? the maintinance loan and grant, just one, etc? whether paid for or unpaid placement it doesn't matter, info for both would be better. Thank you

20 Nov 2008, 2:18 pm | click here for answers

Open Question: Can my wages be garnished over my student loan?

Hello. My student loan is a private student loan owned by the First Marblehead corp. It was serviced by American Education Services and gaurenteed by TERI. I read that TERI filled bankruptcy 4-7-08 and the FMH corp was looking for a new gaurentur. So with that swaid Im not sure if Teri will be the one paying FMH or if they will have to find a new garentur. I called TERI and they do not have my loan at this time FMH corp has it - so I assume that means TERI didnt pay out on it yet. My loan has been in default since 3/08. Now I look that the fair credit report says this "every states allow wage garnishment for child support, alimony, taxes and federal student loans" My loan was a private student loan so does this mean I am safe from this? My state doesnt allow any other type of wage garnishment other than this. THANKS Thanks Suddenly, But let me point out that Salle Mae uses a FEDERAL garenture and there for is considered a federal student laon even though it is marketed as private. TERI is not a federal garenture so it does not fall below the same law by the fair credit act that every states must abid by for FEDERAL loans.

20 Nov 2008, 1:15 pm | click here for answers

Open Question: Do you miss the days of the 70% top income tax bracket?

when the USA had balanced budgets and we were head and shoulders over the relax of the world as the premier thriving economic powerhouse whose citizens had the highest standard of living in the world and had a thriving booming middle class? and we actually used to build infrastructure in this country too and had grant money for our kids to go to college and low interest rate student loans, etc.. anybody remember those days?? what happened after that? Partial History of U.S. Federal Income Tax Rates Since 1913 Applicable Year Income brackets First bracket Top bracket Source 1913-1915 - 1% 7% Census 1916 - 2% 15% Census 1917 - 2% 67% Census 1918 - 6% 73% Census 1919-1920 - 4% 73% Census 1921 - 4% 73% Census 1922 - 4% 56% Census 1923 - 3% 56% Census 1924 - 1.5% 46% Census 1925-1928 - 1.5% 25% Census 1929 - 0.375% 24% Census 1930-1931 - 1.125% 25% Census 1932-1933 - 4% 63% Census 1934-1935 - 4% 63% Census 1936-1939 - 4% 79% Census 1940 - 4.4% 81.1% Census 1941 - 10% 81% Census 1942-1943 - 19% 88% Census 1942-1943 - 19% 88% Census 1944-1945 - 23% 94% Census 1946-1947 - 19% 86.45% Census 1948-1949 - 16.6% 82.13% Census 1950 - 17.4% 84.36% Census 1951 - 20.4% 91% Census 1952-1953 - 22.2% 92% Census 1954-1963 - 20% 91% Census 1964 - 16% 77% Census 1965-1967 - 14% 70% Census 1968 - 14% 75.25% Census 1969 - 14% 77% Census 1970 - 14% 71.75% Census 1971-1981 15 brackets 14% 70% IRS 1982-1986 12 brackets 12% 50% IRS 1987 5 brackets 11% 38.5% IRS 1988-1990 3 brackets 15% 33% IRS 1991-1992 3 brackets 15% 31% IRS 1993-2000 5 brackets 15% 39.6% IRS 2001 5 brackets 15% 39.1% IRS 2002 6 brackets 10% 38.6% IRS 2003-2008 6 brackets 10% 35% IRS no i am not talking about the carter days....I am talking about every the days including carter, but nixon, johnson, kennedy, eishenhower, etc.etc..etc.....you know basically our entire modern history when were the worlds economic powerhouse and had tax rates in the 70% or even 90% range ?? but you knew that though didnt you? trying to pretend like you have trouble understanding?? wow george..we began chasing capital out of the country since the early 1900's?? wow !!! I thought the chasing capital out of the country thing was a recent development. lol so reagan dropped the taxes to prevent outsourcing that started after he left office? I think NAFTA was signed in the 1990's. Face it man.....i got you.. . warren harding, calvin coolidge, herbert hoover...3 republican presidents that favored deregulation were staunch pro business and wanted more and more tax cuts for the wealthy were president from march 1921 to march 1932.

20 Nov 2008, 12:52 am | click here for answers

Open Question: need childcare while in school?

I go to college in New Orleans, I'm going to start going to nursing school full time (on campus) but I need childcare for two young kids. I already receive grants and loans and I'm an out of state (high tuition) student so my loan goes on tuition as well. I don't feel to comfortable with leaving them with a nanny, and every of my family stays in Texas and their dad works while I'm at school (can't afford 1300/month for childcare). Can I apply for childcare assistance from social service (does any of you know someone or do you receive assistance from the state)?

20 Nov 2008, 11:42 am | click here for answers

Open Question: Need childcare assistance while in nursing school, pls hlp?

I go to college in New Orleans, I'm going to start going to nursing school full time (on campus) but I need childcare for two young kids. I already receive grants and loans and I'm an out of state (high tuition) student so my loan goes on tuition as well. I don't feel to comfortable with leaving them with a nanny, and every of my family stays in Texas and their dad works while I'm at school (can't afford 1300/month for childcare). Can I apply for childcare assistance from social service (does any of you know someone or do you receive assistance from the state)?

20 Nov 2008, 11:41 am | click here for answers

Open Question: discharge the student loan?

I did declare chapter7 on 2008 How can I payoff a $80,000 student loan, with a $24,000 per year income I know I can’t discharge the student loans, but I’m 55yers old and divorce. Is there anyone help me discharge this?

20 Nov 2008, 11:41 am | click here for answers

Open Question: How can I find out if I defaulted on a private student loan?

I had been 3 payments behind on my chase student loans. I tried applying for a forbearance with them but they said I had to have been paying for the loan for a least a year in order for the forbearance to be granted. So, the only thing i could do was not make the payments because I didn't have any money and they were not willing to give me a forbearance or some type of extension for 4 months. I know I should have made my payments on time, but I couldn't because I was unemployed for like 8-9 months. I had to cease searching for a job b/c my dad fell sick so I had to stay home and take care of him for a couple of months. I just recently got a job and was able to pay those tardy payments and now I am up to date on my loans. I asked this question before and every the answers I kept getting were from people advertising a lender in order for me to receive a loan. I am not looking for a loan, I am already up to date on mines. I just want to look if at one moment during the time I didn't pay I had been in default. I feel bad because my mom is my co-signer and I think it affected her credit, which she had a pretty good credit. Also, she doesn't know I fell behind 3 payments and that makes me feel worse.

20 Nov 2008, 11:40 am | click here for answers

Resolved Question: Should I file for Bankruptcy?

Ok, here is my situation. When I was 19, I was stupid enough to let my family receive a home below my name below one of those "liar loans" (the ones where they falsify tax returns to make it seem like you earn more than you actually do. The home was below two loans, I lost the home to a foreclosure. I had a car that I was not able to keep making payments on, it was repossessed. I also had a credit card that I was not able to pay back. It was also closed. (I actually had two, but I was able to pay one off) I currently have only a pickup truck to my name. What do you guys think I should do? Should I file for Bankruptcy? What about the foreclosures and repos? How long do they stay on my credit? And the credit card....I can probably pay that one off. (it's in collections) I honestly have no idea what to do. I also have a student loan i'm having trouble repaying, but I already know those are exempt from bankruptcies. I need help...bad. Guys any advice you can give would be greatly appreciated. I realize I was living beyond my means and ultimately this is MY fault. But I want to make things right again. Thank you for your time, I know this was a very wordy question.

20 Nov 2008, 10:30 am | click here for answers

Open Question: How much debt is ok? and What is considered good debt?

My husband and I try to be very financially and credit conscience, we have NO credit cards, never have/never will (hopefully). We bought our home and currently owe about $129,000 on it, at 5.75% and we make $100 extra principle payment/month, we each have our vehicles financed, he owes $9,100 at 3% and I owe $9,780 at 8%, we then owe my parents $9,000 for their help in the down payment on our home, we have no other debt, and my student loans will be paid off in December, before accruing any interest. In total, we're at about $160,000 debt (including interest). Is our home loan even considered debt? I just don't know if this is every good or bad? Any suggestions, or should I keep doing what we're doing? Thank You.... THANKS for the tips about paying off the debt w/ the highest interest rate first, I'll make that my first priority, it makes the most sense. Our monthly income is right about $3,500 and our credit score is over 700.

20 Nov 2008, 10:22 am | click here for answers

Open Question: How do I know if I have defaulted on a private student loan (the loan is from Chase)?

I had been 3 payments behind on my chase student loans. I tried applying for a forebearance with them but they said I had to have been paying for the loan for a least a year in order for the forebearance to be granted. I know I should have made my payments on time, but I couldn't because I was unemployed for like 8-9 months. I had to cease searching for a job b/c my dad fell sick so I had to stay home and take care of him for a couple of months. When I finally started searching again and going to interviews, I just wouldn't receive hired until recently. I have paid my tardy payments and am up to date with my loans. And I just want to look if at one moment during that time I had been in default. I feel bad because my mom is my co-signer and I think it affected her credit, which she had a pretty good credit. Also, she doesn't know I fell behind 3 payments and that makes me feel worse.

20 Nov 2008, 10:16 am | click here for answers

Open Question: Need additional student loans, but I don't know where to look.?

So, I transfered colleges recently. More specifically, I'm a sophomore transferring to The Ohio State University. As of now I have 4 grants and 2 loans; the loans being Stafford Loans. Since I'm living in a dorm, I am required to arrive up with an additional 2,000 dollars. Where is the best place to apply for additional student loans? Thanks.

20 Nov 2008, 10:13 am | click here for answers

Open Question: I Need Some Help !!!?

okay....so I took out a private loan for school (I had no choice).... and the interest rate is crazy.... so I was wondering if taking out stanford loans (which have lower interest rates) to payoff the private student loan be a wise thing to do? I think it would be easier to pay off government loans then private loans..... does anyone have any advice or any helpful information.... I really need some help and I have no one to ask,.... . Thanks Alot (in advance)

19 Nov 2008, 9:20 pm | click here for answers

Open Question: Does Sallie Mae report to Experian on your Credit Report?

I have noticed my student loan from Sallie Mae is not reporting to Experian. I know they are not legally obligated to report to every 3 agencies, but this is my ONLY account that doesn't report to to every three agencies. This is my oldest account, & I need every point I can receive, to finance a new home. Do YOU have a Sallie Mae loan that DOES report to Experian? Should I ask them to report in a formal letter? every tips are welcome.

19 Nov 2008, 8:11 pm | click here for answers

Open Question: How fast do you get approval for a Citi Bank Student Loan?

I am getting a loan for twenty thousand dollars. I have a really good co-signer and we're using the Citi Student Loan (apparently it's the best). How quick can someone be approved? I'm not talking about actually receiving the funds, just getting approved.

19 Nov 2008, 8:11 pm | click here for answers

Open Question: Want is the present situation in AUS? ?

Hi Friends I’m from Sri Lanka and I’m planning to move AUS to do my higher studies. I want to know •gift situation in Aus •What are the facilities for international students can receive in AUS? •Can I find jobs? •What are the conditions for student’s loan? (Can international students receive Students loan) •What a bout rentals?

19 Nov 2008, 6:59 pm | click here for answers

Open Question: I'm thinking about joining the National Guard- what do you think?

I heard they pay off your student loans, train you for a job, and can help pay for education, and every you have to do is work a weekend once a month for like 6 years. But I don't want to have to battle anyone, as I don't want to be a killer. But I have no problem doing IT or some other non-fighting job.

19 Nov 2008, 6:54 pm | click here for answers

Open Question: Looking to rent in Tallahassee, FL on a limited income with pets, 2 dogs @ 50# & a few older cats, help?

I have recently ended a very long term relationship and I am looking for my possess place. I about $1000 a month and have no savings or credit cards, most likely can receive no loans. I am living paycheck to paycheck these days. I don't need a big place. Problem being I am not a student, I work for a low cost clinic w/ no lift in sight. I have two adult dogs weighing a little less than 50# (which most rentals don't want) and three cats. I am very involved in the homeless animal community and there is no way I am sending my pets away. My oldest dog is 5 w/ hip issues. I have had her since she was 8 wks and 1 day. My other dog is a little over a year and I have had him since before every his milk teeth came in. Two of my cats I have had for eight years, I rescued them from a box infested with worms and fleas. My other cat I raised since she was a few days old, feeding her and her litter mates ever two hours for weeks. I was the first thing she saw when she opened her eyes for the first time. I also foster homeless animals on a regular basis. This is a huge part of my life. It is very difficult to find a place to live on my income in Tallahassee, but so much harder with pets. I have searched on line and asked around. I know most places that are low cost are rented via word of mouth in Tallahassee. I am 31, been at the same job for years, and not planning on moving out of town soon. If you have any advice where to look, or an organization I can contact, please advise. People who think it is fun to be rude will be reported!!! Thank you to every others in advance for advice. It is greatly appreciated! I wish one day I can return the favor.

19 Nov 2008, 6:37 pm | click here for answers

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