Broke 0 #26 May 23, 2008 Anyone else think that is hot?Divot your source for all things Hillbilly. Anvil Brother 84 SCR 14192 Quote Share this post Link to post Share on other sites
Whiskeyboi 0 #27 May 23, 2008 Ok…so…I work in a financial aid office at a college in Chicago. (Admitting that may get me thrown into a spinning propeller.) Sallie Mae…I should probably stay as neutral as possible on this…let me just say there are better companies out there, but there are a few that are MUCH worse. It’s easy for someone to say “caveat emptor”, but how many of us really are ready for college at 18? (Lord knows I wasn’t.) The student loan industry is going through some really nasty changes these days. (Economy, credit crunch, mortgage industry crash, etc.) The government is making changes to the loan programs – some are good, and some are completely self-serving. If you’re currently in college, starting July 1 the Fed is raising the amount of money kids can take out in subsidized and unsubsidized loans. (Google H.R. 5715) While it is still debt, it’ll help a bit in filling the tuition gap and might save some folks from having to go the private loan route. If you’re a student in Illinois, there’s some other programs coming up also. For what it’s worth, I have – on MANY occasions – talked a student out of going to school if they had no clue how they were gonna pay for it. I don’t want people to screw up college like I did, but it’s easier to rebound from that than not paying back loans, going into default, and completely screwing your credit for the next 7-10 years. Financial aid in college can be nasty all around…might explain why I jumped out of a plane. If anyone needs help with filling out a FAFSA or anything, lemme know. I'm not good for much, so it's nice to have some function. Financial aid is daunting as hell…which is why I didn’t bother with it the first time around. Then again…that also contributed to me not finishing school. (Oh, hindsight…how you mock me.) Make sacrifices to the deferment and forbearance gods only as necessary. Oh…and don’t tell my boss I wrote anything here. Quote Share this post Link to post Share on other sites
banesanura 1 #28 May 23, 2008 Some one needs a spanking! Here's the problem- I've already had them put a foreberance on my account for 6 months when I relocated to GA- I was accepted at the university later to find out that I was to move to Chicago. Now I moved here mid- semester and inorder to defer my repayment I have to be enrolled at least part time- I've been in Chicago for 3 weeks now- enrollment has already ended for the summer- and I now have to wait until fall to start classes- (this is paying out of pocket for these classes) So until the fall comes- I go into repayment- Perhaps I should start beating some more men to make up for the loss Best Girl Scout Ever. Quote Share this post Link to post Share on other sites
iluvtofly 0 #29 May 23, 2008 I feel your pain. Went to college for 4 years, got my bachelors spent a summer working several jobs in the field and decided that i hated what I had my degree in. Now I'm working a job that I absolutely love but it pays jack shit and I'm getting my loans deffered while I take care of some other financial stuff. But hey...at least I finally found a job that I love. Quote Share this post Link to post Share on other sites
Whiskeyboi 0 #30 May 23, 2008 Quote Some one needs a spanking! cause i work in financial aid? or cause i work in financial aid and am actually trying to be helpful? Quote I now have to wait until fall to start classes- Without naming schools, etc. - no summer classes? Or community college to pick up a couple cost-effective classes? Long as they transfer over and the schools have the same accrediting body. There are plenty of schools with open enrollment out there. Quote (this is paying out of pocket for these classes) Independent cause of age or family and screwed by the EFC on your student aid report? Quote So until the fall comes- I go into repayment- Depending on whether they're private loans, Stafford loans, or a combo of both...you SHOULD be able to get a continued forbearance...just have to apply all over again. (Or actually, there are several types of forbearance you can apply for.) And just make sure they know when you're back in school to get that in-school deferment slapped back on. If you've been in contact with them and are trying to do the right thing, they'll meet you a hell of a lot closer than if you ignore their mail and calls...and please tell me you're at least majoring in something beneficial... Quote Share this post Link to post Share on other sites
Whiskeyboi 0 #31 May 23, 2008 QuoteThe loans were private loans and all that this school offered. Almost forgot...that can be indicative of a couple of things. But if they offered ANY type of federal aid without giving you the option for federal loans...that's just damn sketchy. might need to look into the reputability of the school. I've seen one case similar to what i described above...and it worked out in the student's favor. Again...you didn't hear that from me... Quote Share this post Link to post Share on other sites
banesanura 1 #32 May 23, 2008 I have 4 loans out with all different interest rates- all private CELP loans. The government for some reason considers me dependent on fafsa- under 21- My parents wouldn't fork over their SS numbers to get it filled out- I had to wait until tax time and pull off a 007 mission to take their SSN numbers. I work full time- but I have been hesitant to take online classes- plus I don't want to put any more on my credit cards..... I have to touch base with them again- or I can always take their numbers- again. I will talk with Sallie Mae as I went into repayment this month.Best Girl Scout Ever. Quote Share this post Link to post Share on other sites
banesanura 1 #33 May 23, 2008 Maybe I should quit my job and try to put my way though college by being a stripper! hahahhahahahahahhaha I'm so kidding. But I AM curious as to how many strippers actually complete college. My older sister was a stripper- but then again she also was a college student. Now- she works at the grocery store- without her dignity- and education. So much for men helping her out with her education! hahahahhahahahahh Best Girl Scout Ever. Quote Share this post Link to post Share on other sites
Whiskeyboi 0 #34 May 23, 2008 Quote all private CELP loans. Dear, God...CELP loans? So...international studies or one of those hippie art majors? Quote The government for some reason considers me dependent on fafsa- under 21- My parents wouldn't fork over their SS numbers to get it filled out- Worse...the gov. considers you dependent until you hit 24. You'd be independent and probably qualify for some real aid if you'd marry a dirt poor guy...or have a kid that you would support. I'm sure SOMEBODY in these forums would vounteer and take one for the team for ya. Quote Share this post Link to post Share on other sites
Broke 0 #35 May 23, 2008 Just call me Johnny AppleseedDivot your source for all things Hillbilly. Anvil Brother 84 SCR 14192 Quote Share this post Link to post Share on other sites
Whiskeyboi 0 #36 May 23, 2008 QuoteJust call me Johnny Appleseed Damn, brother...I thought it would have taken at LEAST 10 minutes for someone to chime in. Ah...see how we rush to the aid of others? (wipes tear from eyes) Quote Share this post Link to post Share on other sites
Broke 0 #37 May 23, 2008 I am just about spreading the love/lust/ whateverDivot your source for all things Hillbilly. Anvil Brother 84 SCR 14192 Quote Share this post Link to post Share on other sites
mnealtx 0 #38 May 23, 2008 Quote I am just about spreading the love/lust/ whatever Legs....Mike I love you, Shannon and Jim. POPS 9708 , SCR 14706 Quote Share this post Link to post Share on other sites
jcd11235 0 #39 May 23, 2008 QuoteAnd this is why i go to community college. I get offers all the time for student loans, but so far haven't given in. Community colleges have their own trappings, unfortunately.Math tutoring available. Only $6! per hour! First lesson: Factorials! Quote Share this post Link to post Share on other sites
jcd11235 0 #40 May 23, 2008 QuoteThe standard of method of accounting hasn't changed- by why are they increasing the price to get the piece of paper to learn the same function from years before? Accounting is one of the most rapidly changing fields at the moment. GAAP is going to be a thing of the past in the not so distant future.Math tutoring available. Only $6! per hour! First lesson: Factorials! Quote Share this post Link to post Share on other sites
Whiskeyboi 0 #41 May 23, 2008 QuoteAccounting is one of the most rapidly changing field at the moment. GAAP is going to be a thing of the past in the not so distant future. So glad i majored in accounting...so if we lose GAAP, what's gonna take its place? Quote Share this post Link to post Share on other sites
sunshine 2 #42 May 23, 2008 QuoteAnd this is why i go to community college. I get offers all the time for student loans, but so far haven't given in. -------------------------------------------------------------------------- Community colleges have their own trappings, unfortunately. I pay $75/credit hour and spread the tuition over 3 months every semester with no finance charges. So i'm not sure where exactly i'm trapped.... Only reason i even considered the student loan was to have the money for more jumping...but after reading the small print, i was smart enough to not do that. ___________________________________________ meow I get a Mike hug! I get a Mike hug! Quote Share this post Link to post Share on other sites
banesanura 1 #43 June 13, 2008 *update* UPDATE! So I have an interview on Monday for my second job to pay off Sallie Mae... Can any one guess what my second job will be? Its kinda obvious...but I am stoked!Best Girl Scout Ever. Quote Share this post Link to post Share on other sites
virgin-burner 1 #44 June 13, 2008 Quote Anyone else think that is hot? yes! “Some may never live, but the crazy never die.” -Hunter S. Thompson "No. Try not. Do... or do not. There is no try." -Yoda Quote Share this post Link to post Share on other sites
turtlespeed 226 #45 June 13, 2008 Quote *update* UPDATE! So I have an interview on Monday for my second job to pay off Sallie Mae... Can any one guess what my second job will be? Its kinda obvious...but I am stoked! How much IS a lap dance these days?I'm not usually into the whole 3-way thing, but you got me a little excited with that. - Skymama BTR #1 / OTB^5 Official #2 / Hellfish #408 / VSCR #108/Tortuga/Orfun Quote Share this post Link to post Share on other sites
banesanura 1 #46 June 13, 2008 Hardy Har har...... NO. Guess again.Best Girl Scout Ever. Quote Share this post Link to post Share on other sites
turtlespeed 226 #47 June 13, 2008 QuoteHardy Har har...... NO. Guess again. Ok - maybe . . . Pony Girl?I'm not usually into the whole 3-way thing, but you got me a little excited with that. - Skymama BTR #1 / OTB^5 Official #2 / Hellfish #408 / VSCR #108/Tortuga/Orfun Quote Share this post Link to post Share on other sites
mnealtx 0 #48 June 13, 2008 Quote *update* UPDATE! So I have an interview on Monday for my second job to pay off Sallie Mae... Can any one guess what my second job will be? Its kinda obvious...but I am stoked! Fluffer for the "Sallie Mae does Dallas" film? Mike I love you, Shannon and Jim. POPS 9708 , SCR 14706 Quote Share this post Link to post Share on other sites
turtlespeed 226 #49 June 13, 2008 Quote Quote *update* UPDATE! So I have an interview on Monday for my second job to pay off Sallie Mae... Can any one guess what my second job will be? Its kinda obvious...but I am stoked! Fluffer for the "Sallie Mae does Dallas" film? Hmmm - do you think she is qualified to be a fluffer?I'm not usually into the whole 3-way thing, but you got me a little excited with that. - Skymama BTR #1 / OTB^5 Official #2 / Hellfish #408 / VSCR #108/Tortuga/Orfun Quote Share this post Link to post Share on other sites
banesanura 1 #50 June 13, 2008 Geeze. My second job interview (on monday) is to be a Professional Dominatrix.Hopefully the interview goes well....I've never had an interview like that.... Best Girl Scout Ever. Quote Share this post Link to post Share on other sites
