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  • LAVA Moderator: Shinji Ikari

need help enrolling / filling out FAFSA

yeah so as embarassing as it is for me to say here i did finally fill out and complete the stupid fafsa; there was a workshop put on here by a local community college. so i went, asked alot of questions, got help filling it out and submitting it, and then low and behold.....................i find out i am not eligable for any grant money what so ever. none. nothing. apparently, i made just a little bit too much money in 2007. what a joke. pays to be poor i guess. they told me "oh but you can get loans blah blah blah"...........what the fuck ever. how the hell am i gonna get a loan for school when i cant even get a 500 dollar loan from my bank?
 
dude, you have to take out loans just like the rest of us that are not too rich, not too poor, but just right for getting fucked out of higher education. by taking that first step you've guaranteed that you are going to get some seriously cheap loans, loans you don't even have to make minimum payments on until after you graduate
 
birthdaycake said:
yeah so as embarassing as it is for me to say here i did finally fill out and complete the stupid fafsa; there was a workshop put on here by a local community college. so i went, asked alot of questions, got help filling it out and submitting it, and then low and behold.....................i find out i am not eligable for any grant money what so ever. none. nothing. apparently, i made just a little bit too much money in 2007. what a joke. pays to be poor i guess. they told me "oh but you can get loans blah blah blah"...........what the fuck ever. how the hell am i gonna get a loan for school when i cant even get a 500 dollar loan from my bank?
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Many student loans aren't credit based, such as Stafford Loans. You may need someone to co-sign with you, or you may not. Most loan lenders (particularly Sallie Mae) give out loans like candy.

Go talk to someone at your financial aid office, and quit coming on here with a defeatist attitude.
 
^^ Tis true. I have shit credit and get loans every semester I wish to attend school. Schools will try to work with you on this matter. Remember: they want/need your money.
 
I have shit credit, and sallie mae didn't blink an eye at giving me $5000 last year. I had a friend co-sign it, who had even worse credit than I. It's not hard. The interest kinda sucks, but I'm paying it down.
 
update: while my job is currently paying for this year of school for me, they wont be paying my next year (2009) since my benefits will decrease due to going part time.

but i face a problem now...FAFSA said i make too much money in order to qualify for government aid. I have great credit, so will private student loans definitley pay for everything?? or will I get stuck footing some of the bill, which I won't be able to do until I graduate. what's everyones experience here with private student loans??
 
allfunkedout said:
update: while my job is currently paying for this year of school for me, they wont be paying my next year (2009) since my benefits will decrease due to going part time.

but i face a problem now...FAFSA said i make too much money in order to qualify for government aid. I have great credit, so will private student loans definitley pay for everything?? or will I get stuck footing some of the bill, which I won't be able to do until I graduate. what's everyones experience here with private student loans??
Click to expand...

I don't know about EVERYTHING, but there are certainly a plethora of loans out there that can help you. I usually get a Tuition Answer loan (from Sallie Mae) every couple of years so I don't have to eat ramen and mac & cheese all year. Loans like this can also help you get a new computer, repair your car, etc. with no questions asked.

Some of them generally have higher interest rates, but after you graduate, you can re-negotiate your loan terms and get a lower APR.

I would talk to a financial aid counselor first to determine how much you need to take out. Most schools calculate the cost of living (based on personal information like if you rent, have kids, etc.) and that can help you gauge how much you would need to take out and what type of loan would work best.
 
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