If you spent it on something other than school it wouldn’t be available to someone less fortunate.

In some cases you can be required to pay taxes on the money you spend on non-school related items. I just keep my receipts, and spend my excess on things that are kinda related. such as last quarter I spent it on a printer and ink and stuff like that. But you may not be required to pay taxes on yours. and If its a student loan, I’d spend it on whatever because you have to pay it back.

no it is not wrong.. i mean its like they are paying you to go to school and its your money and you can do whatever you desire to do with it. at my school, there are a lot of people who spend their money on something else. but if you do decide to do that, just make sure that you are covered in all your other school expenses suck as books,etc.

Call the financial aid office at school.

IF you needed a car, you should have already had one BEFORE going off to college. Financial aid is not intended for use on “non-scholastic” items. GET A JOB.

ususally the rufund check will be issued after the school starts… to get an exact date, you must contact the financial aid office and may be the bursars office too..

You would take out a loan for the amount of money you would need for tuition, books, etc. The institution you take the loan out with, will set up a payment plan where you would make monthly payments to them, until your loan is payed in full. You can set the loan so the money will go directly to the college or put in a separate account, and you are responsible for paying the school tuition.

6.5% is not a bad rate. I’ve been out of school for 15 years and have the same rate. I refinanced with one of those companies that calls you. What they don’t tell you is that once you refinance once, you cannot do it again until they decide to release the loan which they never do. I owed 35k and am paying $ 300 for 20 years–5 years left. Don’t refinance now and bite the bullet and start paying. If you defer payment the loan will still accrue interest

No. I recommend paying as you go. Cash. Don’t accumulate debt to begin with! I recommend taking no loans at all; It’s horrible to get out of college and find yourself faced with a huge loan. But if you HAVE to get a college loan, use it for college. Your education is more important.

No, I would not recommend it. Student loans are so you can attend school and get smart enough not to make stupid moves like using student loans for all the wrong reasons.

I did. You can still get some low interest rates if you act soon. I turned a $ 300 per month payment into a $ 60 per month payment. Sure I have to pay for a longer period of time. But I’m only paying around 2.5% interest. The key is to use the extra money you have every month wisely. Like invest in something that will get you a much higher return on your money than the 2.5% your paying in loan interest.

If you are going to major in philosophy, probably a bit of applied philosophy to this situation may not be out of place. You may rethink on hating US and being stressed. It may be worthwhile to get your college degree in Toronto or Waterloo and think of moving later. http://philosophy.uwaterloo.ca/ http://www.uwo.ca/philosophy/ http://www.google.co.in/search?hl=en&client=firefox-a&rls=org.mozilla%3Aen-US%3Aofficial&hs=oaU&q=Ontario+university&as_q=philosophy&btnG=Search%C2%A0within%C2%A0results

Both! You’ll be glad you did

Why don’t use do both? i assume your not being picky with your job. I don’t know about Canada but most university have on-campus jobs for students. Also, restaurants and shops near the university are always hiring people. Applying for a loan has no risk I assume so might as well apply for it. If you get it your lucky, if not I guess you have to work a little harder.

1. Try to stay away from bankruptcy. 2. I can’t say for “sure” that it is the same, but most “student loans” have a way to put the account in forbearance in the case of little or no income. It will not completely take the loan away but can defer the payments until you are back on your feet. 3. Check for state programs that will help both you and your child survive (food, rent help, etc) if they are available.

sounds like you did get stuck in a mess…as the first poster stated, try and do what they suggested..but…you cannot file bankruptcy on student loans, tax liens or child support, other than another option, you are liable for the student loan debt…payment arrangements or some other option…sorry

Hi, I used “Credit Solution” to settle my debt and avoid bankruptcy.They managed to reduce my debt up to 58%.It’s legitimate. Icame across this company on NBC News Special Edition.Check it out here: http://click.linksynergy.decenturl.com/credit-solutions-credit-consolidatio

i would not consolidate – i would keep paying on the loans directly!!!

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I dont think so, Direct Loans are given by the Dept of Education and sometimes they do have their own rules but as far as I know, it cant be transfered. The main signer on this loan is the parent and most of the times the student its not even included on the loan. I used to work for a student loan company and I remember lots of parents that thought that they could transfer the loan later to the student but its not possible. Id suggest the student gets its own loan either Stafford with a cosigner(later with a consolidation the cosigner can be released) or a Alternative Loan(Private Loan:higher interest rates, different terms, not guaranteed by the DOE). Hope this was helpful.

Unfortunately, a lot of shady characters have entered the student loan consolidation market. It’s good to check out the reputation of a consolidation company before you apply with them. Sallie Mae is the oldest and largest consolidator of student loans. They have a lot of good info and a calculator that shows you what your payments will be with the different repayment options at http://www.salliemae.com/after_graduation/manage_your_loans/consolidate_student_loans/student_loan_consolidation.htm

Be thankful that your consolidation with this company didn’t go through. There are many reputable lenders out there who offer Federal Consolidation Loans — but I do not count Educational Direct among them. They employ a lot of trickery in their direct marketing; I always hope my students have nothing to do with them… For your own edification, have you asked why they turned you down? Remember: Federal consolidation loans require no credit check — so no consolidation lender should have turned you down for credit reasons. There are plenty of companies that trick their borrowers into obtaining private consolidation loans. You *don’t* want this — the rates are not set by the federal government and, being private, the loans typically offer none of the protection & benefits of the federal program. First, go to http://www.nslds.ed.gov and make sure that your loans weren’t, in fact, consolidated. Use this website to determine who holds your loans at this moment (things change — it may not be the same lender that held them 5 months ago). Once you have this information, pick a new lender with whom to consolidate. Sallie Mae and Citibank are the #1 and #2 student loan lenders, respectively. Either one would be a fine choice. They’re well-established companies that offer competitive benefits and are technologically advanced. If you’re interested in doing some more research, check out this list of Top 50 Lenders: http://finaid.org/loans/biglenders.phtml (note that Educational Direct is no where on this list).

Check out: http://loanconsolidation1.blogspot.com They have good information on student loans, refinancing and loan consolidation. http://loanconsolidation1.blogspot.com

I tried to tell you that there was such a thing as a year round Pell. The program is so new that there is very little information about exactly how it will work. Right now, my understanding is that the Pell will be available to students who attended full time fall and winter and wish to enroll summer. It is not yet clear if the student MUST be full time in summer to receive the Pell. I believe they can be part time but I am not sure yet. I am sure that as those details come out and all the rules are finalized the information will be posted on www.fsa.ed.gov. They should be out there in a few months. Hope that is enough time for your planning. As an aside, it is so nice to see a student planning ahead. Makes our jobs a bit easier. Good luck to you.

For my school I actually do get a year round Pell Grant – I apply each Summer, get my full offer, and then get a standardized award given out each quarter until I need to reapply the next Summer. My Summer quarter is also offered as either one full quarter, or two shorter sessions, however the Pell Grant is offered for the quarter, so the money covers the entire Summer, so if you have enough credits through the entire Summer to be considered full-time it should be awarded as that, since the set-week sessions are not actual school quarters and they could not award you money for just those weeks. According to the government website as well they have to pay you once a quarter.

No I dont think our world is so horrible… but really you think that pregnant women receiving priority treatment is discrimination?? or was that sarcasm?

Of course a disaster that devastating is going to bring out the good,decent people. The people we encounter in every day life don’t exactly give me any faith in humanity.

No, I believe there are still caring people around. Yes, this modern world has gone through some growing pains and yes; some have screwed up royally…but I have seen unsung acts of kindness about me often enough.

A large number of college students receive financial assistance from a grant, work-study program, or Federal student loan. However, due to rising college tuition, traditional financial aid doesnt always the expense. When there is a difference between the education costs and financial aid received, students must find a way to pay the excess. http://www.worldbestloans.com/businessloans.htm Federal student loans place limits on how disbursed money is used. However, a private student loan can pay for a variety of education-related expenses such as a laptop, rent, transportation, etc

Go to your financial aid office and ask them.

1-800-304-3107.

If you have never defaulted, then this would not be an issue.

If it’s not in default, you’re good to go.

If you qualify for the rebate, having an outstanding student loan won’t hurt you unless it’s in default status.

I used direct loan consolidation. It took about 2 months. http://www.loanconsolidation.ed.gov/

Unfortunately you can’t consolidate your federal loans with your private loans. Be wary of any loan consolidation outside the federal direct program, most of the benefits of loan consolidation is just hype and doesn’t save you any money. Instead of repaying your loans over a 10 year payment you pay on them for 25 years or more… and they loan company gets MORE of your money since you are paying on it for so much longer. For what? Just a few bucks less a month and usually not much better of an interest rate.

There’s a line right for “Rent paid” on your provincial tax credit worksheet. For Ontario, this is form ON479, box A. Keep your receipts, but you don’t need to send rent receipts when you file taxes. You may be able to get a portion back (the portion of your rent which actually was going towards your landlord paying property tax on your behalf) if your income is low enough.

Claims for rent are allowed only in Quebec, Ontario and Manitoba. There are some very specific rules that must be followed, which are different for each of these provinces. If you live in a different province, you’re out of luck. It doesn’t matter if you’re a student. What matters is your level of income. If your income is too high, you won’t get anything back for claiming your rent.

Yes. contact your student loan servicer (they should be listed on nslds) and request a payment history letter to be sent to you. you might want to check their website first, as this information may ba available there.

well its a personal loan so ask them most likely apply as soon as possible and do let them know what college you are taking into consideration

first you need to file a FAFSA, www.fafsa.ed.gov to see if you qualify for any federal stafford loans, these ALWAYS have either no interest while in school (subsidized) or very low fixed interest rate (unsubsidized). If your school is a direct lending school, you have no choice your stafford loans must go through Direct Loans, if your school is a FFELP lending school, you can see if you can use National City Bank as your lender and/or servicer. If you are applying for a private loan, which should only be a very last resort, you would want to wait. Private loans are credit based, and the credit check is only good for a few months. Plus, because they are a last resort, you would want to wait and see if you really need them. You would not want to apply for a private loan until the end of July.

You can find alot of this good information on Goarmy.com but keep in mind there are several things to pay attention to. Such as the type of loan there are many that do qualify and some that do not. Also, they will not normally repay any loans that are in default. You will want to check into the payment procedures on how it is paid out over your enlistment as it is not paid all at one time like many think. It is however, a great incentive for serving your great state and nation. good luck and when you do your research go to the education section of goarmy.com it will help alot Good luck

He will get everything in writing at MEPS with the Guidance Counselor. Nothing he does with a recruiter obligates him. I don’t know anyone who has used the $ 50k SLRP… I assume he is going into a medical program? He should be good to go as long as the loans are all federal, all in his name, and have never been in default. You should have a good idea of which ones qualify (possibly) before you go to MEPS. Good luck. If it becomes an issue, just walk away.

it would be a wise idea. But remember, he doesnt get the student loan repayment plan until he finishes both basic and ait, which in total will take awhile, (hoping you last through w/ those debts). go to the national guard official site.

Yahoo! Answers is a public forum and is not for personal communication. In the future, please send direct questions to me via my web site. UCs, including Berkeley, keep tabs on all HS in CA and evaluate/approve the honors courses. Out-of-state and international curriculum do not go thru such approval and therefore the honors courses do not qualify to be weighted in the GPA calculation. You should still take honors courses and designate them as honors on your UC application so the application readers can take that into consideration (as part of the rigor of your schedule).

Umm, i am sorry to say, your chances is very low. I have a friend who is also a Internation Student from Canada. He got 4.4 GPA (that is +APs) but he got rejected from UCLA because he got average SAT scores. Inorder to get into UCLA as a internation student, you need at least 4.0 GPA and a decent SAT scores. The reason it is harder to get into a good University as a internation student because as you know, California Tax payers, pay the tax for those schools. So opportunites go to Califorina Resident First. Kinda like, my friend who got rejected, got so much better GPA and SAT than some on other student who are resident, but got accepted anyway. I think you should go into a Community College in California first then transfer.

Depends on the school $ 1-4000 per year

http://www.swps.pl/english/ there is tuition but its pretty low compared to other coutries this school is rated as one of the top private schools in poland

Definately contact a lawyer. I don’t know the specific name but it is fraud. That is something that people can be kicked out of school for and maybe even be involved in civil court, like being sued.

yes call a lawyer, someone needs to be sued

DENY DENY DENY!!!

Filling out a fafsa application is the only way to receive financial aid. Here’s the website: http://www.fafsa.ed.gov/. You will need your previous years’ tax information and your husbands, as well as the liquid assets that each of you have (checking and savings accounts, cash, etc). Once your application is processed, you will receive an EFC, which stands for expected family contribution. This does not mean the exact number you will have to pay, it’s simply a code for your school to use to see if you qualify for any federal and/or state grants. Grants are solely need-based, but everyone who files a fafsa application qualifies for federal student loans (which is the largest part of financial aid). Your school will determine your actual awards package. You can apply for scholarships for additional money if needed. You can find these by searching the web, or by picking up a current scholarship book from the library or bookstore. Your school may offer certain scholarships or grants that you may also qualify for. These are usually listed on the website or in the handbook. Good luck!

This question cannot be answered. It will depend on the types of aid your school awards (i.e. school grants, student loans, other sources of federal aid–Perkins Loans, etc.). For sure you do not qualify for a Pell Grant.