Student Loan Advise Needed!!!! Advice is spelled with a C.
#1
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Student Loan Advise Needed!!!! Advice is spelled with a C.
Ok, I'm broke. I'm a dependent student living 270 miles from home living in a house my dad owns. I got a Pell grant this semester and a little bit of a MTAG grant. I borrowed the maximum amount for a Subsidized and unsubsidized Stafford Loan. Now I need about 2,000 to finish this semester. This is my third year of college. The problem: I don't have a cosigner. Dad will NOT cosign. Mom says no. Might could talk her into it, but I doubt it. And I have no credit either.
So I'm looking around at different stuff online and most loans require you to have a cosigner. Or credit. Or both. Chase didn't require me to have a cosigner to apply, but then it says borrowers must be 21 or older in MS or Puerto Rico. Discover requires a cosigner, Sallie Mae requires a cosigner. Most seem to require a cosigner.
Any advice at all is appreciated. I'm lost, and so far, this ain't looking good. Any help, tips, pointers, links, anything is appreciated.
So I'm looking around at different stuff online and most loans require you to have a cosigner. Or credit. Or both. Chase didn't require me to have a cosigner to apply, but then it says borrowers must be 21 or older in MS or Puerto Rico. Discover requires a cosigner, Sallie Mae requires a cosigner. Most seem to require a cosigner.
Any advice at all is appreciated. I'm lost, and so far, this ain't looking good. Any help, tips, pointers, links, anything is appreciated.
#2
Oh lord, you're reminding me what it was like to be me in august trying to find money for school.
To be honest, i finally lucked out and got my grandpa to co-sign for me. That was after my step dad, grandma, and others failed as cosigners (banks said no). Finally after 3 ulcers of stress my grampa worked. And god does it feel shitty to have to fall back on people for **** like that.
If sallie may wont give you a loan on your own you're likely out of luck. Other things you can try is go to your finaid office and get on your knees for a little sucky sucky, they are the ones with power to get you more money aside from loans.
Edit: And wtf is wrong with your dad, why wont he cosign for you to help you get through school?
To be honest, i finally lucked out and got my grandpa to co-sign for me. That was after my step dad, grandma, and others failed as cosigners (banks said no). Finally after 3 ulcers of stress my grampa worked. And god does it feel shitty to have to fall back on people for **** like that.
If sallie may wont give you a loan on your own you're likely out of luck. Other things you can try is go to your finaid office and get on your knees for a little sucky sucky, they are the ones with power to get you more money aside from loans.
Edit: And wtf is wrong with your dad, why wont he cosign for you to help you get through school?
#7
Go to your finaid office and beg. Does your school offer payment plans that you make payments on throughout the term? I've seen this at the schools I've gone to. It could give you some time to scrounge up the $$. ******* student loans are the reason my car isn't turbo yet. You live in a house your dad owns? Have you considered subletting behind his back (since he won't cosign)?
#8
I'm in for the partout.
Seriously, I don't know what to tell you without a cosigner. I'd think you could pick up 2K with a part time job, couldn't you? Heck, 15-20 hours a week would get you that delivering pizzas or something. You would have to give up 1/2 of your time on here, though. Try to minimize the amount of debt that you carry after you graduate. Too many kids come out with a piece of paper and $100K of debt that takes forever to pay off.
#11
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Have you checked other Federal loan programs? (you know it's not only Pell Grants; right?)
pm me if any info on those manuals can be of any service to you.
#14
I was broke out of my mind freshmen year and I had $300 to pay off on a credit card bill that month after going on spring break in Florida.
I got a job working in the furniture warehouse at Big Lots. They paid minimum wage to unload mattress trucks and assemble shitty furniture. But I made around $120 a week take home working 3-4 nights a week and it was an awesome semester.
Get a job man. Anything is better than nothing.
Why not rent out a room in your house?
I got a job working in the furniture warehouse at Big Lots. They paid minimum wage to unload mattress trucks and assemble shitty furniture. But I made around $120 a week take home working 3-4 nights a week and it was an awesome semester.
Get a job man. Anything is better than nothing.
Why not rent out a room in your house?
#16
I know this won't help immediately, but what are you majoring in? Have you looked for merit based scholarships? Find some, apply for some and get them in the pipeline as part of your planning for next school year.
Got a part-time job?
What can you sell to get the money you need now? That's gonna be hard, but look at it long term. If you NEED this money now its really an investment in your future.
Good luck!
Mitch
Got a part-time job?
What can you sell to get the money you need now? That's gonna be hard, but look at it long term. If you NEED this money now its really an investment in your future.
Good luck!
Mitch
#17
As a response to everyone telling pat to "get a job":
If he is living in a college town like I am, good luck. I've been trying to find part time work for 7 months and have failed miserably...same with nearly all my friends.
Its next to impossible to get a job in a college town when the economy is rockin, its laughable at this point.
If he is living in a college town like I am, good luck. I've been trying to find part time work for 7 months and have failed miserably...same with nearly all my friends.
Its next to impossible to get a job in a college town when the economy is rockin, its laughable at this point.
#19
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As a response to everyone telling pat to "get a job":
If he is living in a college town like I am, good luck. I've been trying to find part time work for 7 months and have failed miserably...same with nearly all my friends.
Its next to impossible to get a job in a college town when the economy is rockin, its laughable at this point.
If he is living in a college town like I am, good luck. I've been trying to find part time work for 7 months and have failed miserably...same with nearly all my friends.
Its next to impossible to get a job in a college town when the economy is rockin, its laughable at this point.