Unable to pay for college debt what can I do? Federal Student Aid Repayment

I would consider online classes for now until you get your financial situation under control since it sounds like you got your hands full so explore the option of online classes.

in your situation, there are things available… to help cover that extra time…. and you only have a small bit more to go, so dont you DARE stop now!!! you have grit girl, and you’re nearly there… as a single parent myself (of 4), i completely know what your going through, but you cant stop now, you just cant! i will post all that i have found online, and YOU are bound to find some sort of help with it. take your time and pick through ALL of them… to see what you qualify for, when the deadlines are, etc. some are for single parents ——————— OVER apply; it doesnt hurt to have too many, and the extra funds can help with housing. YOU WILL NEED ADOBE READER: (yes, its free) http://www.adobe.com/products/acrobat/readstep2.html TESTING & PRACTICE TESTS (SATs, PSATs, ACT, GRE LSAT, MCAT, GMAT,TOEFL, etc) http://www.kaptest.com/college http://collegeboard.com/splash/ http://act.org/ http://lsac.org http://toefl.org http://www.ets.org http://www.gre.org http://www.aamc.org/students/mcat http://www.gmac.org TURNITIN (don’t copy papers, teachers/professors DO check your papers with this) http://turnitin.com/static/home.html http://plagiarism.org/ INFO NACAC & COMMONAPP http://www.nacacnet.org/MemberPortal/ http://commonapp.org/ http://nsse.iub.edu/index.cfm DVD TOURS OF COLLEGES http://collegiatechoice.com/ CRIME STATS, DATA OF COLLEGES http://ope.ed.gov/security/search.asp SCHOLARSHIP LIST http://scholarshipamerica.org/ http://www.lifebridge.org/gran-list-alph.htm http://www.angelfire.com/nj4/njcomputerchick/school.html http://www.chrome.org/scholarshiplist.html MORE SCHOLARSHIPS, HELP & INFO: http://studentaid.ed.gov/PORTALSWebApp/students/english/index.jsp http://www.ftc.gov/bcp/menu-jobs.htm http://www.finaid.org/scholarships/other.phtml http://www.finaid.org/otheraid/ http://www.back2college.com/library/scholarships.htm http://www.scholarshiphelp.org/ http://www.findtuition.com/scholarships/ http://www.collegeconfidential.com/ http://college-scholarships.com/ http://www.statefarm.com/about/part_spos/grants/grants.asp http://www.gmsp.org http://www.gmsp.org/gmsp_web/(nb5ctd55gavpfi55bb3a3j45)/scholarships.aspx http://www.sfa.ufl.edu:16080/scholarshipcafe/ http://www.edsf.org/scholarshipAwards.cfm http://www.fafsaonline.com/ http://www.fafsa.ed.gov/ http://www.feea.org/ http://www.greenzone.org/ http://www.salliemae.com/ http://www.ed.gov/finaid/landing.jhtml http://www.scholarshipexperts.com/ http://www.educationplanner.com/ss/code/Profile1.asp?level=u&region=s&mode=EDIT&sponsor=2859&volume=SS&e&h http://www.studentawards.com/ http://www.collegeanswer.com/index.jsp http://www.studentscholarshipsearch.com/ http://www.studentscholarshipsearch.com/Detailed/Scholarships/Meta_indexes_and_other_scholarship_directories/Women_s_and_Non-traditional_students_scholarships_meta-directory_126.php http://www.akaeaf.org/programsandinitiatives/ http://www.schoolsoup.com/ http://www.blackexcel.org/link4.htm http://www.dellscholars.org/ http://www.thurgoodmarshallfund.org/ http://www.jackierobinson.org/ http://www.bpwusa.org/i4a/pages/index.cfm?pageid=4212 http://www.wilsonfund.org/scholarships/scholarships.shtml http://www.uncf.org/ http://www.socxfbi.org/login.asp?reason=denied_empty&script_name=/cgi-alumni/adir2.dll&path_info=/search&sitename=FBI&scroll=10&p=1&S=scholarships&x=0&y=0 http://www.finaid.org/ http://studentaid.ed.gov/PORTALSWebApp/students/english/index.jsp http://www.act.org/recollection/clients.html http://www.act.org/kfcscholars/index.html http://www.kfcscholars.org/ http://www.rhodesscholar.org/ http://www.collegedata.com/ http://www.fastweb.com/ http://www.getreadyforcollege.org/gPg.cfm?pageID=139 http://www.policylink.org/EDTK/AH101/Financing.html#4 http://www.hud.gov/grants/index.cfm MISC FIELDS OF STUDY http://www.act.org/goldwater/yybull.html http://www.act.org/recollection/clients.html http://whereyouheaded.com/ http://luth.org/schools.htm http://www.nwboatschool.org/ http://soloschools.com/ http://www.nols.edu/wmi/ http://etruscanfoundation.org/ NURSING / CNA http://www.scholarships-ar-us.org/grants/nursing.htm http://www.dar.org/natsociety/edout_scholar.cfm http://nursingworld.org/nursecareer/edfund.htm http://www.medi-smart.com/finaid.htm http://www.discovernursing.com/nursing-erudition-search http://www.ncaa.org/about/scholarships.html http://bhpr.hrsa.gov/DSA/nsl.htm http://www.nsna.org/foundation/ http://www.4cnas.com http://www.choosenursing.com/ http://www.minoritynurse.com/ http://www.tylenol.com/page.jhtml?id=tylenol/news/subptyschol.inc http://www.straightforwardmedia.com/nursing/ http://bhpr.hrsa.gov/nursing/erudition/ BECOMING A TEACHER http://www.siemens-foundation.org/TeacherScholarship/ http://www.aft.org/teachers/jft/becoming.htm http://www.fseog.com/ http://www.childcareservices.org/ps/teach.html http://www.act.org/recollection/clients.html CHILDREN OF MILITARY http://www.militaryscholar.org/about/about.shtml http://www.mcsf.com/site/c.ivKVLaMTIuG/b.1677655/k.BEA8/Home.htm http://www.vfw.org/index.cfm <-do search for ‘scholarships’ http://www.milspouse.org/Educ/Fund/MilFScholar/ http://www.aerhq.org/education_dependentchildren.asp INTERNSHIPS http://www.fasttrackinternships.com/ http://www.internprograms.com/ http://www.brillstreet.com/ http://ceri.msu.edu/ DEPENDENCY or NOT http://www.salliemae.com/get_student_loan/apply_student_loan/appreciative/financial_aid/dependency/ LOAN FORGIVENESS http://www.pheaa.org/loanforgiveness/healthier_futures.shtml http://www.aft.org/teachers/jft/loanforgiveness.htm http://studentaid.ed.gov/PORTALSWebApp/students/english/cancelstaff.jsp?tab=repaying http://www.finaid.org/loans/forgiveness.phtml http://www.aessuccess.org/manage/cant_make_payment/Federal_Teacher_Loan_Forgiveness.shtml http://www.staffordloan.com/repayment/forgiveness.shtml http://www.educationplanner.com/ss/code/Profile1.asp?level=u&region=s&mode=EDIT&sponsor=2859&volume=SS&e&h STATUS OF LOAN OR AID http://www.nslds.ed.gov/nslds_SA/ IF YOU DON’T HAVE YOUR PIN yet (for your loan / aid status) apply for one: http://www.pin.ed.gov/PINWebApp/pinindex.jsp ESSAY HELP http://essayedge.com/ http://www.scholarshiphelp.org/ http://www.gradesaver.com/resources/erudition.html http://www.collegeadmissionsessays.com/ http://www.nataviguides.com/broke_essay.html http://www.princetonreview.com/college/apply/articles/process/essayjump.asp http://www.scholarshipessay.us/ http://www.freschinfo.com/tips-brainstorming.php http://www.freschinfo.com/tips-topic.php http://www.korepetycje.com/Essays_Articles/scholarshipessay.html GRANT SCHOLARSHIP SCAM LIST (if you find a scam report it here too) http://www.ftc.gov/ftc/consumer/media_psas_classads.html http://www.actstudent.org/finaid/scholarshipscams.html LOANS http://www.ed.gov/offices/OSFAP/DirectLoan/index.html http://www.acteducationloans.com/ http://www.finaid.org/loans/educationlenders.phtml http://www.financialaid.com/plus/index.cfm?id=plusloans http://www.alternativestudentloan.com/ http://www.parentplusloan.com/ http://www.financialaidpodcast.com/about/ http://www.myspace.com/financialaidpodcast http://www.FinancialAidPodcast.com GRAD LOANS & SCHOLARSHIP http://www.gradloans.com/graduate-plus-loan/ http://www.gfoa.org/services/scholarships.shtml http://www.akaeaf.org/programsandinitiatives/ DEFAULTED STUDENT LOANS http://www.ed.gov/offices/OSFAP/DCS/index.html CONSOLIDATE LOANS http://loanconsolidation.ed.gov/ http://www.plusloanconsolidator.com/ http://www.salliemae.com/after_graduation/manage_your_loans/consolidate_student_loans/student_loan_consolidation.htm http://www.salliemae.com/content/privateconsolidation/index.html http://loanconsolidation.ed.gov/ TEACHER / PROFESSORS reviews, rated by students http://www.ratemyprofessors.com/index.jsp http://teacherreviews.com/ http://pickaprof.com/ INTERNATIONAL STUDENTS http://www.edupass.org/finaid/ http://www.irex.org/programs/grants.asp http://ciee.org/ https://www.iesabroad.org/IES/home.html http://www.iie.org/programs/gilman/index.html http://www.iie.org/programs/gilman/resources.html http://www.iefa.org/ http://www.iefa.org/resources/ http://educationusa.state.gov/ http://college-scholarships.com/ http://www.studyabroad.com/forum/financial_aid.html http://www.internationalstudent.com/ http://www.internationalscholarships.com/ http://www.internationalstudentloan.com/ http://www.globalslc.com/ http://www.edupass.org/finaid/loans.phtml http://www.abroadplanet.com/student-loans/the-global-student-loan-corporation/ http://www.salliemae.com/international/ FROM OTHER COUNTRIES http://fordfound.org/ HISPANIC SCHOLARSHIPS http://www.hsf.net/ http://www.scholarshipsforhispanics.org/ http://www.statefarm.com/about/part_spos/grants/hispanic.asp http://www.hsfi.org/ http://scholarships.hispanicfund.org/applications/ http://www.chci.org/chciyouth/erudition/erudition.htm http://www.bpwusa.org/i4a/pages/index.cfm?pageid=4212 SINGLE PARENT SCHOLARSHIPS & HELP http://www.bpwusa.org/i4a/pages/index.cfm?pageid=4212 http://singleparents.about.com/od/scholarships/tp/Search_Scholar.htm http://www.singlemotherresources.com/ http://www.singlemotherresources.com/resources.htm http://www.singlemom.com/CAREER/financialaid.htm http://salliemae.collegeanswer.com/paying/content/pay_free_money.jsp http://www.raisethenation.org/ http://www.sunshineladyfdn.org/ http://www.sunshineladyfdn.org/faq.html http://www.antshe.org/Scholarships/Scholarships.htm http://www.antshe.org/resourcepage.htm http://apps.collegeboard.com/cbsearch_ss/welcome.jsp http://www.soroptimist.org/sia/AM/Template.cfm?Section=WOMEN_S_OPPORTUNITY_AWARDS http://www.back2college.com/ http://www.acenet.edu/AM/Template.cfm?Section=CIP1 https://www.ourfamiliesourfuture.org/index.jsp http://www.ed.gov/prog_info/SFA/StudentGuide/index.html http://firstgovsearch.gov/search?v%3Aproject=firstgov-web&query=grant+list http://www.whitehouse.gov/government/fbci/grants-catalog-document.html http://www.gpoaccess.gov/fr/index.html http://www.grants.gov/ http://www.njafter3.org/GrantsFunding.htm

Financial aid puts together a budget for a student’s education. That includes tuition, fees, books, and cost of living. They look at what the parents can contribute, what the student can and place together an offer letter. If the student is eligible for 100% of the budget… they can get federal LOANS. As a undergrad student, the student can take like 5 or 6 grand of loans a year and the parents are responsible of taking out the rest of the loans. Parents save money in order to avoid paying loans. And I’m not sure where you get that it’s free government aid or that you never pay the loans back. Student loans are the only loans that you HAVE to pay back. Even bankruptcy will not wipe away the student loan debt.

Financial aid doesn’t pay for everything at every college, and there are many people who do not qualify for need-based grants (these are only for the neediest students, and these students generally do not have a college fund). For students who are not considered “needy” they can only borrow up to $ 5,500/freshman year. While that is enough to pay for many public, in-state schools… it’s also money the student will pay back (with interest)… it’s not “free” money. Financial aid is not enough to cover out-of-state tuition or private school tuition… it’s no where near enough. Parents’ are expected to help with their children’s tuition… that’s why parental income and assets must be included on the fafsa. Sounds like you need some more education regarding student loans and financial aid. The IBR payment is not a excellent program because it spreads your loans over 25 years before they’re forgiven. Unless you plot on living in poverty for the next 25 years… you’ll be better off using the standard 10 year repayment. Once your on the IBR, your payments will change as your income changes. So, while you may start out with a $ 0 payment… in 3 years your payment could be higher than what your standard payment would be… and you cannot change back to the standard plot then. Plus, it’s really stupid to live off of loan money… again, unless you plot on living in poverty for the next several decades.

yes it is unless the student is curentl attending the school then a warant is needed .

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