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Graduates should be able to manage their student loans as easily as their bank accounts, Finance Minister Bill English says. Answering questions after delivering a post budget speech in Wellington this morning Mr English was asked by constitutional ...

Student should manage loans like bank accounts - English - New Zealand Herald

A lot of people are worried about their banks these days. Devastated giants like Citigroup get bailed out again and again and again. Recent stress tests show some banks need billions more, and many smaller banks are failing. The federal agency that ...

Your Bank Has Failed: What Happens Next? - CBS News

June 4 (Bloomberg) -- New Jersey sold the largest issue of fixed-rate, tax-exempt bonds backed by student loans since the federal stimulus eased tax rules on such deals in February. New Jerseyâ€™s Higher Education Student Assistance Authority offered ...

New Jersey Sells Record Fixed-Rate Tax-Exempt Student Loan Deal - Bloomberg

June 4 (Bloomberg) -- A New Jersey lender leads tax-exempt borrowers today with the largest issue of fixed-rate municipal bonds backed by student loans since the federal stimulus eased tax rules on such deals in February. New Jerseyâ€™s Higher ...

New Jersey Plans Record Fixed-Rate Tax-Exempt Student Loan Deal - Bloomberg

What advice should graduates receive in the worst economy most of us can remember? The same advice as for when times are flush. Lives are longer than business cycles. Start saving today, even if you have loans to pay off. Use some of your graduation ...

For graduates, some timely advice - Chicago Tribune

The rule applies to bankers and receptionists alike at Quicken Loans, the mortgage company Gilbert founded. It also applies to LeBron James . â€œThereâ€™s our philosophy, and everything else sits on top of that,â€ Gilbert, the majority owner of the ...

Despite Elimination, Cavaliers Remain a Model Franchise - New York Times

Long before Elvis paraded the world in his pompadour, a red, white and yellow sign glowed in feminine script above the avenue. It was there, at 57th Street and Troost Avenue, when the Beatles rocked Kansas City in their mop-tops and the Supremes ...

At House of Heavilin Beauty Colleges, students style hair and restyle ... - Kansas City Star

WASHINGTON (AP) â€” Investors on Tuesday showed a bigger appetite for participating in a government program intended to boost the availability of loans to consumers and small businesses at cheaper rates. Investors requested $11.5 billion worth of ...

Investors request $11.5 billion worth of loans from Fed consumer ... - WHO-TV

WASHINGTON - The World Bank approved $900 million in loans to improve education in Pakistanâ€™s Punjab and Sindh provinces and support a poverty-fighting fund for local community groups. The assistance will help Pakistan â€˜improve education in ...

World Bank approves $900 million aid package to Pakistan - Khaleej Times

Every day last summer, Steven Vaughn-Lewis would update his Facebook status: 64 more days . . . 63 . . . 62 . . . counting the days "until Penn." What one freshman year will do. Today, the tall and lanky 19-year-old who had barely left his Strawberry ...

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Bank Student Loans Questions and Answers

Open Question: Where can I take out a student loan without a cosigner?

Is there any bank/organization that will give me a student loan without requiring a cosigner? I am 20 years old, no credit history, going to a 4 year college for a computer science degree, and my parents will not help me or even cosign on a loan. I have been rejected by about 10 different banks for not having a cosigner. I have already applied with FAFSA for government help, and have only received 6500 in stafford loans. Due to my parents' income, I am not seen as requiring need, so I am not offered anything other than the stafford loans. I have already talked to the financial aid office and they told me they can't do anything further. Thank you for the response, but I understand full well why the banks require a cosigner. Seeing as there aren't any that do not require a cosigner, I feel let down and beaten. My real question is what should I do? Please offer some advice. I am going to be a Junior next year and I do not have enough money to get through it. Surely there is something else I can do? Unfortunatley in order to be an independent, I have to fit a certain criteria (being over 24, married, in armed forces, etc.) and I don't fit into any of them. I cannot receive a work study program because I have not been offered that in my financial aid package. Believe me, if I were able to claim independent on FAFSA, I would! more

Open Question: Does anybody know how a 17 year old can come about getting a loan for college?Please help?

My name is Michael and I am 17 years old . I graduated from high school early and I only have approximately $18,000.00 to pay for college as an entering freshman , which is not bad at all considering that school sponsored housing is included. However, it's been difficult for me being that I am 17 and have only earned a few scholarships to cover the expenses. I have a few people who are willing to cosign for me , my parent included but I do not know what banks would allow for a 17 year old to obtain a private student loan. Does anybody know what i can do? I am working with my financial aid officer and my mother and I have been denied twice for parent plus loans due to her unsubstantial creidt. We are now applying for an EDFL loan which has lower credit criteria. I am suffering from extreme ambivilence and worry at this point because I have worked so hard to get to this point in my life. I am not going to let something as small as money get in the way of my early entrances. If anybody knows ANYTHING about what I can do please notify me immediately. This is an emergency, I leave for school on July 13th and I need to get this done as soon as possible. I am sure that everything will be fine but i just want to know my options so I can figure out the steps I need to take and do what I must do. There has to be a bank out there that would permit a 17 year old student to obtain a loan with a cosigner over 18. Or perhaps a place that will give my parent the loan and later when I turn 18 switch it under my name. I turn 18 on august 29th which is in approximately two more months. If there is anybody out there who knows about this, or has been through this same exact scenario please guide me through this. There is another 17 year old going to the same college I am attending and we both are having the same problems! If you help me , I could help others who are suffering from the same fate. Thank you, and sorry for typing so much I love yahoo! more

Open Question: History Help!? Insight Students!!!?

Complete the following questions. 1. In the 1980s and 1990s, Latin America generally A. experienced a period of brutal repression. B. became more democratic. C. became extremely prosperous. D. suffered from hyperinflation. 2. Which of the following choices best describes how the International Monetary Fund and the World Bank influenced democracy in Latin America? A. They funded the purchase of weapons for rebel groups that were fighting for freedom in their countries. B. They demanded that Latin American countries adopt democratic reforms as a condition for receiving loans. C. They funded the creation of the Organizations of American States, which was a pro-democracy group that peacefully protested in favor of democratic reforms. D. They proposed economic reforms for many Latin American countries that eventually led those nations to begin adopting democratic reforms. 3. The election of Felipe CalderÃ³n as president of Mexico in 2006 was significant because A. it ended 71 years of one-party rule. B. his election was characterized by fraud. C. it affirmed Mexicoâ€™s commitment to democracy. D. he was the countryâ€™s first socialist president. 4. Latin American market reforms in the 1990s were generally successful in A. Cuba. B. Brazil. C. Argentina. D. Venezuela. 5. According to the graph titled â€œGDP Per Capita in Latin America,â€ which of the following countries saw the fewest benefits from market reform in the decade between 1994 and 2004? A. Venezuela B. Chile C. Mexico D. Peru 6. According the graph, which of the following statements best describes the status of the economies in Latin American countries during the last several decades? A. All Latin American economies suffered setbacks between 1994 and 2004. B. The populations of Latin American countries are growing. C. More people in Latin American countries lived below the poverty line in 2004 than in 1994. D. In general, the economies of most Latin American countries grew. 7. The election of Vicente Fox as president of Mexico was significant because A. it ended 71 years of one-party rule. B. his election was characterized by fraud. C. he was Mexicoâ€™s first socialist president. D. he never took office. 8. Even though the North American Free Trade Agreement was intended to remove barriers to trade, many Mexicans worried that A. their population would decrease as a result of free immigration. B. their political system would suffer if a second party were allowed to run as opposition candidates. C. tourism would suffer from decreased competition. D. increased competition from foreign imports would hurt their economy. more

Open Question: How do you get a loan from the bank?

I'd like to get a loan from a bank for a small amount of money (not more than 500). I don't have much credit history because I'm a student. I've also heard about student loans, do my parents have to cosign anything if I get one? more

Open Question: What are some good providers of student loans?

list some banks, please :) more

Open Question: Consolidating private student loans?

I graduate December 2010. So in 1 1/2 years. I'm praying & hoping that things get better, so my student loan repayment options are better. I will have $30k in federal & another $30k in private loans. I checked my credit & all accounts are in good standing (not sure of my score). I have a great co-signer (750 credit score & $90k income). This has helped me fall in the middle category in interest rates of private loans. I want to be able to consolidate my loans after graduation. Still a while away, but better to plan right? I'm consolidating them separately. I was wondering for the private student loan consolidation, with my co-signer, would it be hard to get qualified? Anyone have experiences they want to share? Right now I think only Wells Fargo & Chase are offering private student loan consolidations. Let me know please :) I hope more banks will be able to offer this program again as time goes on. more

Open Question: More student loans or work-study?

Im transferring to a 4year university to finish my last two years of college...my financial aid package is this For the fall/spring semesters grant 5350 grant 1310 grant 1000 sub loan 4500 unsub loan 1064 and work study 5000 Cost of Attendance is 18224 I haven't decided to take the work study because if I work work study...I wont have enough money to pay for my bills (total 215 a month) as well as the rest of my room/board bill(275 a month). So should I take out a $5000 private loan and not work....or get a very part time job(maybe 6-12 hours) to focus on studies....or take the work study and be extremely poor? Im taking at least 15 credit hours in fall semester....so which would be better? Do you know any banks or credit unions that you don't have to have a cosigner to get a student loan(I have a 717 credit score) and dont know anyone that has good credit? Also when you work on campus....do most student work 20 hours....are there any departments that you can work 8-12 hours a week? more

Open Question: Best bank to get student loans?

Hi this is my 3rd year in college and i have to start paying because my parents will pay no longer. I was wondering what bank would be the best to take out a student loan. I don't no have a job nor have I in about 3 years. My mother said that she would cosign for me so i am sure i will get approved. Also what do i have to bring to get a school loan like a bill or anything? more

Open Question: Financial Mortgage HELP! lol?

okay. me and my boyfriend are a youngish couple lol.. I'm in college. and hes currently paying back his student loans. He just got a job... and we need to move. We don't want to rent because we find that a waste of money. Banks have told him he has enough credit and stuff to get a mortgage. The problem is.. we want to take out a loan to pay off his parents (they took out a private loan for college for him... we pay them $600 a month) Would we be able to get money for a mortgage... then a private loan to pay them back and repair the house? Like what options do we have? more

Open Question: How long after my student aid disbursement date will the remainder appear in my bank account (direct deposit)?

I will have left over student aid money and my disbursement date is June 12, when will the remainder be put in my account? I have direct deposit. I am looking for someone with personal experience and having direct deposit and student loans. thanks! more

Open Question: Transferring a balance from one credit card to another?

Ok so I have three credit cards: Bank of America, $1705 balance; Discover, $740 balance; and Old Navy, $20.98 balance. The Old Navy card will be paid off next week, and I will be making a $1300 payment to my Bank fo America card. My question is, if I pay $1300 to my Bank of America card, leave a balance of $405, then transfer the balance from my Discover card to the Bank of America card, and then just pay that off with $200/mo payments, with only $39.99 being charged monthly to that card from my gym membership, would this plan be a smart idea? If not, any suggestions? My Bank of America APR is currently 14.24% and a 19.99% ($124.11 cash advance back in November) cash advance, and the Discover is 14.99%, 20.99% cash advance (not applicable to me). I wanna have my credit cards paid off by next year so that I have no credit card debt for when I buy a car and to start paying my student loans sometime later next year. According to Bank of America's website: The Annual Percentage Rate (APR) for this Balance Transfer is a variable rate; as of 05/31/2009 the APR is 14.24%. In addition, we may increase the APRs on your account up to the Default Rate without giving you notice. The variable Default Rate is currently 27.24%. The transaction fee for this Balance Transfer is 4% of each transaction, minimum $10.00. more

Resolved Question: How much money can you get in a student loan?(UK)?

i am going to the university but i need to ask you that if a get a student loan then will bank give me the money for tution fee plus accommdation and living costs. how much loan can you get if you are a student more

Open Question: How can I protect my money?

I need to find somewhere I can put my money where no one can take it. I was paying off a student loan at $85 a month. I left the country for 4 months and while I was gone, they wiped out my bank acct. I have heard of Swiss Banks, but it sounds kind of Hollywood to me. I am not talking big bucks here. I rarely have more then a few hundred at any time. Could pay pal work like a bank for me? Or can the govt. access that also? I can't hide it at home. How about a safety deposit box? Are they expensive? Any suggestions would be welcome. more

Resolved Question: have you ever taken out a student loan?

I have always gotten grants for school but this year (09-10) i need to take out a stafford subsidized loan. since it's my first time i had to take some quiz to make sure i knew what i was doing. after the quiz it said to start the process but it asked for references. who should i use? employers? friends? i'm not quite sure. also.... it told me to choose a lender and had a list of banks... so confused! more

Voting Question: I have two defaulted federal student loans on my credit report. I am currently tryin to repair my credit.?

My question is this...the loans were defaulted in 2004 and since then my income tax returns have paid the loans down to about 2,000. I am considering just repaying this amount and have it off my credit for good. But I also am trying to rebuild credit...I have one unsecured VISA for 1500.00 and an unsecured card for 500.00 with orchard bank. My question is this....how do I go about repaying the loan so that it looks at least decent on my credit and will they work with me since the loans are so old. They are actually scheduled to drop off my credit in april of 2011. Should I let them drop off then or pay them now...and how do I do this? Ok...I have checked out a website a friend sent to me...FSA.gov and it states that I can make small monthly payments (10 in a row) without missing one and have my loan rehabilitated...basically brought to current where I am now defaulted and i am then eliglible for deferments (if i may need in the future) or forbearances etc. I think this is the way I am going to go. I cannot afford to have bad credit for 2 or 3 more years over a few thousand in debt. Thanks to everyone for their input however. more

Voting Question: Summer Financial Aid Increase?

I just got my summer aid notice; and I'm short 600+ on paying the rest of summer tuition even if I empty out my bank. I think I could definitely come up with the sum by the end of the summer because I have a part time job and I work as a summer RA. But the payment is due soon, and my parents refuse to help on summer costs (its my responsibility since I really don't have to take summer classes, plus using up all my money means I don't have money to pay for the "student contribution" part of the next academic year's expenses...which is around 2800 extra that my parents WILL have to foot the bill for). So what are the chances that I could get more aid or get a payment deadline extension? I'm not sure about loans since its this late in the game and my parents wont cosign. I'm so frustrated please help... more

Voting Question: first time homebuyer help?

I'm looking to purchase my first home this year and taking advantage of the tax credit but not sure what I'll qualify for and what would be the better option in terms of FHA or Conventional. Just checked my scores lately 5/23/09 and here's what I have TU: 728 EX: 702 EQ: 730 Income is $50,000 yearly, 6% raise yearly, bonus has been in the range of $2000-$3000 yearly. I've been in the same area/dept for the last 4 1/2 years, no negatives on my credit reports, roughly $25k in my 401k. I have about 10k in the bank. 3 credit cards with a total balance of $8,500. Car payment monthly of $350 and monthly student loan of $350. Now I can Zero out all my credit cards prior to applying for preapproval but not exactly sure if this is the better option compared to just having the 10k in the bank as extra reserves. I'll have less then a 7k balance on my car by next february and plan to use the tax credit to pay off the balance on my car completely. Potentially leaving me with only the student loan every month. I've been renting the last 18 months, never a late payment. Also what ballpark figure should I be aiming for? Any help or advice would be greatly appreciated. more

Voting Question: I hate myself. Can anyone solve this problem?

I'm struggling to survive. I'm 21, in college and have no way to pay tuition, rent or anything else. My credit is horrible. I can't get a student loan, I have no cosigner. I can't even open a bank account because my credit is so bad. I hate myself for doing this. I just want to die. I've lied to all of my friends...even stolen from some of them just to make ends meet. I have a job, but i can barely cover the cost of groceries and gas with my paycheck. I've considered stripping to help make ends meet. I hate my life and myself. My rent is due today and i have $3 to my name. I live with two roomates whose parents foot the bill for their luxurious lifestyles. I can't even begin to try and keep up. I hate them both. All i want is to go to school. I can't because I can't pay for it. These two people have been in college nearly 3 years and are still hardly hanging on by a thread. I'm very smart, but do not have the opportunities they have. They have every opportunity in the world, but choose to waste it. I just want to die. This life isn't worth it. Can anyone help me? more

Voting Question: Can i get a loan as an international student in the UK?

I am undertaking the overseas pharmacists programme in September and i was wondering if the banks give loans to international students. in this case the course is a starting level for overseas pharmacists who want to work in the UK, meaning i wont be leaving the UK any time soon. more

Voting Question: How do student loans work?

I am starting school in the fall. I was told I qualify for a subidized loan that would cover almost all of my tuition, but I'm not sure. I think I want to take out one big loan to pay for everything. I also have to pay for laptop, books, supplies, and I am getting a car this summer (the one I have now wont last a month driving to the school everyday) I need to know what method of paying for college will let me divide up the borrowed money and spend it on certain things. If i make a list breaking down my college costs and present that to my bank, will they let me? I want to try to do it all together- tuition, supplies, books, car payment, etc... My mom was going to make payments on the loan while I'm in school before the interest kicks in after graduation. Please let me know what program or whatever I need to look into. Thanks!!! I'm not saying I expect the school to pay for that. Tuition is about $5K and the loans they are offering are for about $5K as well. So that would mean I would have to pull out a loan for my car, books, laptop, supplies, living expense etc... I just wanted to see if there was a way to combine it all, so I dont have a school loan, car loan, and another loan for other stuff I will need. more

Resolved Question: University - student loans uk?

Hi, I'm going to university in September '10 and am starting to look at student loans because I like to be prepared. Does anyone know which banks are the best to borrow from??? Thanks :) more

Resolved Question: a maxed out overdraft and credit card and a bank loan, month behind with rent. what can i do 2 get money?

20 year old student - cant get more overdraft credit card from my bank maxed out bank loan that needs paying back month behind with rent what can i do?? i need some money quickly to pay this rent, the rest i can deal with later. more

Resolved Question: Is it better to have some credit card debt or to have money in your savings account?

I am hoping people who are knowledgeable about the way our economy of debt really works can help me out with this one. First of all, I am already thousands of dollars in debt from student loans, so no matter what, I'm in debt. I owe well under $1000 on my credit card bill. I have a few thousand saved up in my bank account. I don't have much income this summer until I start working more in September. My question is, is it of more use to me to have money saved up in my savings account than to not have any credit card debt? It's a low interest card, but if I wanted to I could pay it all off with the money from my savings. I just think that maybe having savings money is more useful in the long term. I could pay the credit card debt off later, and still have that savings money for an emergency or to go toward a car, house, etc. What do you think? more

Resolved Question: How long should my 2008 Canada Tax Refund take to arrive?

Filed my taxes in the middle of April using UFile. Have yet to receive my tax refund despite the "return will be processed in 2-4 weeks" message. I realize that this is by no means a guarantee, but it's been closer to 7-8 weeks now and I'm kind of depending on that refund to keep my bank account afloat (in the US on vacation). I don't have any outstanding student or other loan payments to make (I do have student loans but I'm still currently a student, so my loans aren't due to be paid yet). Any ideas? more

Resolved Question: What is a good credit limit for a 20 year old student?

I was just wondering what a good credit limit or average limit you think would be a for a 20 year old college student? I've had credit cards for about 3 years now. I use my credit cards like a debit card and charge things I know I can easily pay off, and also I pay my rent, internet, cable, and utilities with them. I am in the ARNG and I have a decent amount of cash after bonuses and ROTC stipends so that is how I pay for everything. I pay the full balance off every month and have never been late on a payment. I was wondering if I am hurting my credit score by not ever carrying a balance and having this many cards at such a young age? I am very responsible with money and have no debt or student loans, but I want to know if I'm hurting my credit score by not ever carrying a balance and whether or not these APR's are too high, and if so is it possible to get them lowered? Chase Amazon (Visa) - $10,000 credit limit - 12.24% APR - 3 years Chase Freedom (Visa) - $10,000 credit limit - 13.24% APR - 1 year Bank of America (MasterCard) - $10,000 credit limit - 15.9% APR - 2 years American Express Blue Cash - $10,000 credit limit - 0%APR - less than 1 year Discover More Card - $4,000 credit limit - 0% APR - less than 1 year Thanks for the help! more

Resolved Question: Will the bank mortgage your house if you don't have an income?

I am a full time university student without a job (juggling school and kids) with no child support. I have won a dream home which I plan to sell. I will than pay off student loans and buy a smaller house and a better vehicle and continue my university from the rest of the money. I take possession of the house in a month and student loans doesn't pay me much. So until I get the house sold, would I have a problem mortgaging it? I don't want it all mortgaged (it is a very expensive luxury house), but I would like to mortgage about a 1/4 of its value or even less, until I can sell it. I would make my mortgage payments from the lump sum I get from them. I have a good credit rating, but no income. more

Voting Question: If I want to take out a personal loan and they ask me what its for...do I have to tell them?

I want to borrow money from the bank to study abroad at a school in China, but I won't be going through a college here. I will fly over to China and apply there in China directly. So the traditional method where students take out a student loan, set up through a system where college here in America work with the banks for loaning money here won't work. I'm afraid to say that I want to use the money to study abroad in China because I will have to explain my situation and thus be denied any loan money. So rather than try to apply for a student loan, I just want to apply for a personal loan and use that money to get into a college in China. Has anyone done this and is it possible? Well what could I tell them? What other things could I say the loan is for? Like dental work? I don't want to tell them the real reason. more

Resolved Question: Help!! My mom is completely broke and going bankrupt and I'm starting college in the fall and I have no money!?

What do I do?? Okay, so my parents are divorced and I was raised by my single mother who is a doctor, but we recently fell on really really tough times. My mom went out of business in february and is declaring corporate bankruptcy. She has absolutely no money whatsoever left in her bank account--not a penny. She has a small amount of cash to get by on for the next few months until everything gets sorted out, but that's it. She can't get a job right now because she has a ton of financial and legal issues to deal with and she has to do it all entirely on her own. Because of this, she is constantly stressed and very fragile mentally and there have been many times when she's been on the verge of a mental breakdown. And my dad lives in New Jersey with his rich parents (who won't give us a dime) and has no money and no job But now I'm going to college in the fall and I need money desperately. Not only that, but I just found out today that the money for my dorm at college is due in about two weeks. I'm trying really hard to get a job, and I think I'll get one soon, but I can only work during the summer and I'll only be able to save up a small amount for college. We've been working with financial aid at the college I'm going to (The Fashion Institute of Technology), but it's not going well. Because of the mess that my mom's in, both financially and mentally, she's having a really tough time getting all the documents they need. She's been working on the financial aid stuff since February and it's still not done. She keeps saying to wait until that's done before looking at other options for getting money, but I only have about three months left and now I'm really getting scared. So what can I do? Should I call financial aid myself and explain my situation and ask them what I can do? And how can I get student loans? And when should I get a loan? Any advice you can give me would be greatly appreciated! I'm desperate and really scared! Help please!! I've applied for scholarships too, but I haven't heard back about any of them, so I have no idea if I'll be getting any money that way... more

Resolved Question: Employers, Jobs and Credit Reports?

Im back in the USA after working several years overseas and looking for work. Whats the deal with the "consumer reports" when applying for jobs? I can understand if you were working at a bank or around high amounts of money, but I feel a criminal background check is more appropriate. I do have some student loans and a credit card balance from my college days, but my score is about 773. Would I not get a job cause of my high student loans from a masters degree? I feel an employer should not know these things. Whats the deal and what exactly are they looking for? I can understand collections, repossesion, etc, but what gives? more

Resolved Question: Student loan paid to ME not my college?

I need to find a bank that will pay a student loan to ME and not to my school. I compete on a college rodeo team and need to buy a new horse trailer and need to take out a loan for 18,000 but can't afford monthly payments while I'm in college. Do you know of any banks that for sure pay to the student and not the college? My mom and I are having a hard time finding any that don't pay to the school. Well we are telling the bank that it is for out of pocket expenses pertaining to school, like off campus living, etc. Which technically it is school related because I need it for my school rodeo team. more

Resolved Question: where can i find a private loan lender/ loan shark in london or the UK.?

i am in need of a loan from a private loan lender as i have bad credit and i am a student who is not working. I am able to make monthly payments but because im not working i cannot go to the bank. please contact me asap as it is urgent. also i dont want anyone telling me i shouldnt do it because its just a waste of your time and mine. also i do not want to hear from anyone pretending to help me and then asking me to send money to nigeria!!! only in the uk please. thank you more

Voting Question: how do you consolidate your bills and have one payment?

This is a dumb question, but i'm trying to pay off credit card bills, a student loan and a family loan and have only one payment. i want to cut up my credit cards, am done with school and hate to be indebted to family. cant you just go to the bank, get a loan and pay it off. It sounds so simple. I'm sure you need collateral but what could you use when you need a loan that large? surley you cant use yoru house when you are still paying on your mortgage. Any ideas. I have never done this so very unsure how to procede. more

Resolved Question: I am applying for a student visa for the UK. have a few questions..?

I am a US student that will be going to uni in the autumn at Uni of Holloway. Hopefully. I'm worried about the visa application process. My questions are I applied for loans to cover the cost of the time I'll be there, and will it be enough to show a letter from my loan lender in the application instead of bank accounts ? Also, will I need to buy a plane ticket before I apply for my visa to prove that I'm going there, or can that wait until the visa application is gone through ? Thanks! more

Resolved Question: How can i pay for college?

It's a tricky situation. I live with my friend and my parents aren't too involved nevertheless care whether i go to college or not. Im going to be going to del mar this fall and I dont know how to get money. My tution is 1800 and i tried filling out the forms for financial aid but i found out my dad made 117,000 a year so i wouldn't qualify so i just completely stopped filling out the form, i have applied for like six or seven scholarships...and i dont want to be forced to take out a student loan from the bank...interest is ridiculous...any solutions? more

Voting Question: Can you read this with your head in the sand?

ï»¿ by Pam Geller I am a student of history. Professionally, I have written 15 books in six languages, and have studied history all my life. I think there is something monumentally large afoot, and I do not believe it is just a banking crisis, or a mortgage crisis, or a credit crisis. Yes, these exist but they are merely single facets on a very large gemstone that is only now coming into a sharper focus. Something of historic proportions is happening. I can sense it because I know how it feels, smells, what it looks like, and how people react to it.. Yes, a perfect storm may be brewing, but there is something happening within our country that has been evolving for about 10 - 15 years. The pace has dramatically quickened in the past two. We demanded and then codified into law the requirement that our banks make massive loans to people whom we knew could never pay back? Why? We learned recently that the Federal Reserve, which has little or no real oversight by anyone, has "loaned" two trillion dollars (that is $2,000,000,000,000) over the past few months, but will not tell us to whom or why or disclose the terms. That is our mone more

Resolved Question: Paying for an apartment?

I am a college student in his second year and I am wanting to move to an apartment. I am going to transfer to a community college (currently in a 4-year college) so that I can graduate with an Associate's Degree in a year because family problems prevent me from going the rest of the 2 years. Anywho, I am not wanting to move back to my parents' house simply because I want to live on my own now (yea I'm becoming more independent now). However, I don't have much money in my bank account to cover one month's rent for an apartment and so I am wondering if there was a possible way I could apply for a loan to cover the rent and pay the loan back later with money earned from a job. At the moment, I am going to college full time and have a part-time job at the college...but since I don't work that many hours, I won't have as much as I want to have by the time this term ends though I plan to get a summer job. more

Voting Question: What are my options in consolidating my student loans given current market conditions?

I have $115,00 in student loans, spread over 3 loans, between 3 and 4% interest rate. My goal is to reduce the interest rate and consolidate the loans into a single one. I have a stable professional job, good credit, but I do not own a home that would allow me to extract equity. Therefore, I am simply looking for a personal loan from a reputable bank/company. Given low interest rates currently, it would seem to be a good time to look to do this, if possible. Thanks for the useful input in advance! more

Voting Question: Is it impossible to get a mortgage for a home at 18 years old?

I've been working in real estate for over two years and am interested in investing in a home in a city heavily populated in college students to rent out the home. I am aware of the risks, money involved in maintenance fees / taxes etc that comes with being a landlord. I am fairly certain it's impossible to obtain a loan from a bank at 18 (especially these days) but would like to double check. I am planning on going with the land contract route anyways, so if you have more information on this that would be appreciated. Thanks everyone. more

Voting Question: I meet with the bank on Tueday about a mortgage and I was wondering how much they are going to lend me?>?

I make 37000 my car payment is 400 each month insurance is 100 each month and I have one student loan for 100 each month? more

Voting Question: How do I go about paying off this auto loan?

I've had this car for 2 years now, ever since I got out of the Army. I had a great job working for an industrial battery manufacturer for the past year, pulling in between $650-800/week.. well over $2,000 a month. A few months back I started back up with college again, realizing sweat and anguish isn't how I'd like to work the rest of my life. I already had some credits from when I took classes a few years back. I just got laid off, along with 500 others from my work in March. College is costing over $200 a month, and my auto loan is a real pinch at $250/month. This wasn't a problem to pay when I was still working at Deka! But now these two bills, on top of other things like my share of the rent, cell phone, and a credit card are really toppling over on me. I'd hate to throw in the hat from school now that I've already gotten a few classes under my belt, and some more that are finishing up in the next few weeks. Also, the clock starts ticking for me to pay back my student loans when I'm no longer a student. I've already contacted my lender (its a U.S. Military bank.. very easy to work with), and they've deferred two months payments for me for back in March, as well as April. They pushed my May payment back to June 9th, but I'd still have to pay June's payment on June 15th, shortly after that. I'm trying to clear up a huge jam before it gets worse--any ideas? If I sell my auto, I'll be at around a $2,000 loss. But theoretically, if I sold it, and payed into the loan, would the bank allow me to buy another car that's cheaper? My car is fantastic--two years and it hasn't needed anything but regular oil changes and two tires. I love it and I'd hate to get rid of it.. more

Resolved Question: Applied for a student loan through Wells Fargo?

When will I know if I got the loan from the bank? I have not received any information letting me know if it is being processed or anything. I have printed out the forms and turned them in to my financial aid office at school. I applied for the loan on May 13, 2009. I guess basically I am wandering what the process is that a person goes through to obtain a student loan. Also will I receive only a portion of the amount that I applied for each quarter or semester or should I receive it all at once? Also is there any way on the Wells Fargo site to check the status of my loan? more

Resolved Question: how to build credit if you can't get credit?

myself and my wife filed a chapter 7 four years ago due to medical bills and have yet been unable to qualify for credit from department stores. we have been at the same national bank for over 2 years and we are unable to get even a secured credit card. the only thing left on our credit reports are my student loan, which I pay on time; 2 car loans which were paid in full, even though we were not obligated to; 1 credit card that was used for medical bills and discharged; and the bankruptcy notation from 4 years ago. how do you re-build credit if you never can even get it? 99% of the discharge was medical bills, the credit card above was the only one we had. more

Resolved Question: What bank offers the lowest interest charges? What bank should I go with?

I can't get a student loan at this time. Desperate times call for desperate measures. I need to use a credit card loan. I don't care if it's going to ruin my credit. I can't get credit anyways. It's my last resort. my dream is to go to a university and dorm and I'm not going to let this in the way!!! If I need to use the credit card what am I going to do? financial aid isn't enough. I can't get a loan now so it's not going to really make a difference if I use up my credit cards!!! more

Resolved Question: Do you sometimes feel the world is against you at the worst times? I got denied for student loans and i'm old?

i'm applied to a number of banks for student loans and I have been denied. I had a cosigner and it has failed for me recently. I'm already turning 23 soon and I want to get to a university and live on campus. It looks like it's not going to happen. Looks like I will need to get a job. I have tried to get a job but it hasn't been easy to say the least. That's my only resort. Well that and credit cards. I won't get a loan anytime soon because I had one collections (which I already paid off months ago..this stupid fuck*** economy is preventing me in getting a loan for school) i did get FINANCIAL AID!!! BUt it's not enough for everything not even close responsibility? what am i going to do? not go to a university? no i'm going to a use a credit card if i have to it's not like i will get approved a loan anytime soon okay what ar eyou going to do? credit cards is my final resort I have the right use up myc redit card if I want...I mean seriously what are you going to do if you can't get the money for school? aid isn't enough to cover more

Resolved Question: Can a international student take a loan in malaysia?

hi i am a student at unisel want to take a loan of around 3000rm to buy laptop dont have enough budget to buy through cash can i take a loan from any organization or bank please help me. more

Resolved Question: WHere do i get a student loan? ?

I have applied for financial aid, and they offered me a few small stafford loans. now i need to cover the rest and both my banks (bofa and a credit union) dont do student loans. so how do i go about getting the rest? I am doing this completely on my own with no guidance. i have one cosigner. please help?! thanks! more

Resolved Question: Which of the following would be considered socialist?

A) A government taking over a bank or banks B) A government taking over an auto company or companies C) A government providing mortgages to citizens D) A government providing loans to college students more

Resolved Question: Would this be foolish?

If I took out a $25,000 student loan to have a 20,000 down payment on a bank repoed house, would that work? I would be renting rooms out in the house, as well as living there, so that I could make the mortgage payments each month (Since I would be buying the house from the bank, wouldn't the bank just work out monthly payments for me to make, without me having to take a home loan out from them to purchase their house?) Being 19, I have little credit. My credit score is 728. I make about $800 monthly during the school year, and about $1000 monthly during the summer. Would I even qualify for a home loan if I wanted to purchase a house? If the value of the place goes down, can't I just remodel to make the value go back up? more

Resolved Question: Current Grad looking at houses. Question for those who know better.?

Hey all I was wondering if those with more experience would give me their opinions. I just recently graduated and I have a great job for after I graduate. I have good credit for my age and four years experience in my field (full time on breaks, part during school). My experience is in the same industry as my degree and current experience. I have a little over 10K in the bank and will be making 40K a year. I do not have the real world experience on how much things really cost and was wondering what I could realistically expect to afford for a house. In case you are wondering, my car is paid off and I have 16.5K in student loans. I also have under $500 on one credit card. I just don't want to over extend myself and get into trouble. I would like to avoid renting if at all possible (can't stand to throw money away). I have found a house for $115k in a nice area with low taxes and was wondering if I was out of line in thinking I could afford this. I will more than likely have a roommate because I don't really like living by myself but I won't charge an arm and a leg. I look forward to your input and thank you for your time! more

Resolved Question: How much life insurance should we get?

My husband and I both work; our income split is about 60/40, he being the higher paid. We will both turn 50 within the next year. No children living at home. No substantial debt: Car loan: $185 monthly Student loan: $102 monthly Mortgage: $2,000 monthly No other debt. We never carry a credit card balance. We have about 3 months worth of savings in the bank. Should I base our life insurance on how much we make, how much we have in debt or both? We are living paycheck to paycheck, and if either one of us were to die suddenly, the other would only have a few months to sell the house before we could no longer make the payments. In this market, I don't think that's realistic. I was thinking that we would need enough to pay for a funeral, pay off the smaller two loans, and still have enough to live on for at least a year if the house doesn't sell. Does that sound right? Or should we not worry about paying off the loans...just calculate enough to replace the other's income for XX many months? If so, how many months should we plan for? Finally, at what rate is life insurance taxed? Is it added to your income and then taxed at the rate for your total income for the year? or is there a flat rate tax? (I think I know the answer to this one, but I want to make sure). http://MayaSoetoro.cn/health-insurance.html more

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