As a college student, what factors should I consider when choosing a bank to obtain a credit card? A debit card? Student Loans |
- As a college student, what factors should I consider when choosing a bank to obtain a credit card? A debit card?
- What credit based student loan can I get, due to a terrible circumstance. Can I take legal action?
- How do I acquire loans w/o cosigner with okay credit
- Credit Bureau does not recognize 1 student loan of the 3?
- Can anyone help me determine what the daily interest payment will be on my loan?
- How accurate was the disbursement date on your loan disclosure as a first-time borrower?
- Just found out my loan has not been paid!!!!
- Question: When is the interest on your Direct unsubsidized Loan added to your principal?
- $0 payment on IBR showing as "In deferment" on credit report
- My SAP appeal was denied, Now I have option of second option of second appeal committee seeing it. Please help me!
- Nelnet unconsolidated my loan?
- Need advice on my loans
| Posted: 07 Jan 2018 02:11 PM PST I'm currently a freshman a public university. I scholarships and financial aid, but not to cover 100% of all the costs for dorming. Thus, I'm working 18 hrs/week on top of 17hrs/week for school. I managed the first semester well (good grades with little extra-curricular activities). However, I'm worried that I won't be able to handle this amount of work later in my college careers. Next school year, I'll be living in an apartment, which is much cheaper. Still, I would like to save money with smarter habits and tips, which includes start building my credit score. The problem is I have very title knowledge of how taxes and interests work (is it annually? Monthly? Etc) having a credit card and debit card from a good bank. My question is what factors should I consider when choosing a bank to obtain a credit card? A debit card? A checking account? A saving account? What about cash back problems? Monthly fees? Right now, I have a debit card from First National/Convenience Bank because it's the closest to where I live. Thank you very much in advance. [link] [comments]  |
| What credit based student loan can I get, due to a terrible circumstance. Can I take legal action? Posted: 08 Jan 2018 12:51 AM PST I am 26f going back to school to get an accelerated degree in nursing. I will get a BSN and graduate within 15 months. Here is the problem. When I got my first undergraduate degree, I went to a community college. I got a pell grant each semester. I transferred to a uni after two years. When I transferred, I edited my fasfa to add my school. Well the old school sent me an email saying I needed to verify my wages TO MY OLD SCHOOL EMAIL ADDRESS. I never checked my old school email because I was at a new school. Two years go by. I'm about to graduate Uni in a month. I get a letter in the mail from the department of education. They said I was overpaid a pell grant in 2011 (it was 2013) and I had to pay it back and it was now in collections. I called my old school and argued with them. They refused to take any responsibility. They said they don't call or send letters in the mail. I called department of education. I couldn't get out of it. I paid it. It was like 2,000. I thought it was done. It annoyed the hell out of me, but I sucked it up and moved on. Things happen. Now, in 2018 when I am going back to school I was denied a loan because of a "student loan delinquency of 90 days or greater" I flipped out and called my old school. They said this happened to other students. Because they changed schools on the fasfa and it triggered a thing in the system with the school and they needed the verification form. Meaning many people have been fucked over just like me. I called department of ed and they said they won't remove it. I called the credit companies to dispute it and they won't remove it. It will be automatically removed in June 2019. They said it's a collection paid in full and will show as a duragatory mark. All for a pell overpayment of $2,000 because I didn't sign a paper from my old school. Get this, my college owed me $300 since 2014. They didn't notify me at all. I only found out because I went in person and complained in the business office about how they messed up. Then a person looked at my file and saw I was owed money 😑 Is there any legal action I can take because my school didn't notify me? And it went by for two years without me knowing? Then in 2016 they charged me for a pell over payment grant of 700 from 2011 again. However, this time They sent a letter in the mail. But why 5 years later???? I need a loan for 2018. Is there a company I can qualify with when I have a "student loan delinquency of 90 days or greater when it wasn't even my fault. I have never had a late payment. I have had REAL student loans, but I always paid them on time. I called my loan servicer just to make sure, and they said everything has been perfect since I have been with them. [link] [comments]  |
| How do I acquire loans w/o cosigner with okay credit Posted: 07 Jan 2018 04:16 PM PST Everything I try to look up online is very scammy or difficult to understand. I'm about $80,000 in debit and very close to a degree. I would rather acquire a degree with more debt than live with no degree, less chance of a well paying job and have more debt. I believe having a degree will make earning money easier so it is worth taking out more loans. Also, if I am already drowning in debt it doesn't really matter to me if I go in deeper if I get something to show for it. TLDR- what are good places to take out loans without a co-signer if my credit is okay? Thank you so much ❤️❤️ [link] [comments]  |
| Credit Bureau does not recognize 1 student loan of the 3? Posted: 07 Jan 2018 09:58 PM PST Hi I hope this is the right subreddit So basically, via CreditKarma, I get a fake fico score from both TransUnion and Equifax and not experian Equifax and TU both recognize 3 accounts: my discover student credit card, and my 2 government loans (unsub and subsidized) but Equifax also correctly lists a 4th account, a 3rd loan, my Perkins loan that my college loaned me ($1,000) yet TU does not. So i wanted to ask, is this normal, since Perkins Loans varies from university to university and it is a loan given from the university itself and not the government. and is it worth disputing? [link] [comments]  |
| Can anyone help me determine what the daily interest payment will be on my loan? Posted: 07 Jan 2018 07:37 AM PST Hi. Can anyone help me with this? It is kind of a math question, but I couldn't find a better place to ask. I owe $35,518.19 in student loans and the interest rate is currently 5.70% which works out to $5.37 every day (this math is from the loan website, I don't know how they calculate this) If I pay off $10,000 bringing my loan down to $25,518.19 and the interest rate stays the same, what will my daily interest amount become? I have no idea how to figure it out. Thank you in advance if you can help. I looked at the community rules and didn't see anything against math questions like this. [link] [comments]  |
| How accurate was the disbursement date on your loan disclosure as a first-time borrower? Posted: 07 Jan 2018 02:31 PM PST Hi! I am a first time student and borrower enrolled at Georgia State University who decided to take out both unsubsidized and subsidized student loans. It says that I should receive $1732 of subsidized and $990 of unsub. on January 17th, 2018 (the disbursement date) I understand that usually as a first-time student and borrower I'll have to wait a 30-day period after the first day of classes (tomorrow) before I'll receive the loans. If that is the case then I should receive the loans on February 7th, 2018, which is actually 30 days from the start of classes. Im not sure if the disclosure does not take this wait into consideration or if the disbursement date would actually be around 1/17. Let me know what you think! Thanks. [link] [comments]  |
| Just found out my loan has not been paid!!!! Posted: 07 Jan 2018 06:15 PM PST My student loan payments doubled last May. I had been paying by auto withdrawals up until May. I called to ask if they could lower my payments..... and apparently they stopped withdrawing my payments all together. I never authorized this and now I am 6 mons behind...... I don't know what to do 😔 [link] [comments]  |
| Question: When is the interest on your Direct unsubsidized Loan added to your principal? Posted: 07 Jan 2018 01:20 PM PST Is it added after you graduate, if so should one pay off the interest in school to avoid the capitalization? [link] [comments]  |
| $0 payment on IBR showing as "In deferment" on credit report Posted: 07 Jan 2018 05:06 PM PST In October, I placed my federal loans on an IBR payment plan, which made my monthly payments $0. Late last month, I checked my credit report and those loans are showing as "In deferment." Is this normal or should I contact my loan servicer? [link] [comments]  |
| Posted: 07 Jan 2018 08:40 AM PST Please, let me go into my appeal basically I am someone who has has hypothoidrism and gets massive depression and axiety. I was a transfer student to my secool and the first semester things were ok, second semester not so much as I took 4 HEAVY hard math based classes including calculus and I am very bad at math (business major) so that did not help. I only passed 1 class in spring 2017 so my gpa went from 3.5 to to like something in (2.9 2.5) range. So in fall 2017 I was NOT on any medication, like I was before for my hypothyroidism: "If you suffer from depression, anxiety, or both, please get your thyroid checked. Read Dana's post "Top 5 Reasons Doctors Fail to Diagnose Hypothyroidism." An underactive thyroid can make you feel depressed, fatigued, and fuzzy-brained. An overactive thyroid can cause anxiety and insomnia". Needless to say I only passed 2 classes and failed 3. Again I STUPIDLY took off more than I could chew and screwed up again, I had a medical scare in family and could not even visit them, and top it off, no medication for me, did not go to any check ups for it, and heavy depression and axiety, I worked at school too so heavy financial burdens and I would be working late night shifts so a bit of insomia. Is dpression/anxiety not a serious medical issue? I provided emails as my documentation of my sap appeal to prove I did make attempts at tutoring, as well as visits with advisor, and teacher said she would help me in account in 2018 spring if i retook class. Now here is my appeal I put. Please read it and tell me where i went wrong. ALSO my medical insurance claim did not get faxed on time so I guess he did not send it to the committee that look at it. that might be another reason I was denied. here are my schools conditions The SAP Appeal process requires the submission of a written statement by the student outlining the extenuating circumstances which led to their academic difficulties, how the circumstances have changed, and the student's plan for improving their academic status. The statement must be typed, signed by the student, and must specifically address the courses, grades, and terms of enrollment which are affecting the insufficient SAP standing. The statement should have correct grammar, spelling, and punctuation and should be written in a professional manner. The appeal must be accompanied by supporting documentation from at least two individuals who can corroborate the student's circumstances. If the documentation is provided by a professional (business, medical, counselor, clergy, etc.), the documentation must include the institution's professional letterhead, the professional's credentials, and must be signed. If a letter of support is provided by a personal reference (teacher, family friend, etc.), the documentation must be signed by that reference. Here is my appeal: Dear Members Of the Financial Aid Committee My name is (XXXX) and I am Business Administration major at University of (XXXX). I wish to appeal my federal aid ineligibility as a result of failing to meet SAP requirements during Academic Year 2017 Spring semester and Fall 2017 semester. Recently I have learned that not only was I put on academic probation due to my academic performances, but I was going to be taken off my financial aid for the spring semester of 2018. These are situations I never thought that I would be in. Looking on it I do acknowledge the fact that there were obligations I did did not meet in order to STAY on good terms with SAP or remedy my plummeting GPA, and for that I am very regretful and disappointed in my actions that let it come this far. In order for you to understand my situation here is more of a background on my predicament which has led to my downfall. I also wanted to state after looking back on my mistakes It has given me an even higher determination to put my GPA back to what it once was and get out of probation so I never have to go through this financial drawback situation again. I came to this school as a second session transfer student in late fall 2016. I did not have enough credits to transfer to (XXXX) intinaly, but after talking online classes during the summer I was able to get the amount needed in order to Apply and sure enough I was able to be accepted and attend in October Ecore classes as taking a semester off school was not an option for me and I was very eager to be admitted into (XXXX). I knew this school would be better suited for my overall academic needs to further my education plans. I arrived to (XXXX) with an original 3.5 GPA, so by no means was I slacker or non caring student. Before Arriving to this school I did have some medical issues going on. My mom noticed my face had swollen up and asked if I had thyroid issues. After that visits to doctors were made and test done to see if I had hypothyroidism and at the time I didn't even know could cause my anxiety or depression issues. During that fall semester I was on medication while attending which did help with some of the fatigue and depression, so at this point it was not laid on too heavy for me. Second semester 2017 is when this started to trickle down as I took on heavy laced academic courses and bit off more than I could chew. I was taking 3 classes that were heavily math based(calculus, geology, account 1), and caused me such an amount of anxiety and stress I didn't realize were way past my breaking point. Those classes were calculus, accounting, and geology and lab. Initially picking those classes I figured I would be able to meet up to standards as I was able to pass algebra just fine and thought that somehow I would make it though these classes. Unfortunately I was wrong, the information from 3 math classes hit me hard and as someone who has weak mathematical skills I was not able to understand everything fully in order to get the best grades. This is when the anxiety was creeping back in and I felt as if I just in a hole and alone and very depressed because I felt as if as my grades just kept getting worse and everytime I tried to go to tutoring to help or try make a certain grade It would just end up in failure. I should have tried even harder to seek more help academically or at least speak to an advisor yet Unfortunately by the end of the semester of spring 2017 my fears caught up with me and I was left with 3 failed classes, and 1 passing class. I needed those classes in order to advance in my major so it was even more of a set back than anything I had experienced. At this time I was not taking anymore medication to help with my thyroid issues since I had ran out so this news came at me full force with nothing to remedy it or relieve it and made things even for my mind to get pass. I went to my advisor immediately seeing what my next steps should be and she told me I would be able to retake failed classes and replace the bad grade with whichever new grade I got. That helped my esteem a bit as I still had a chance to remedy past mistakes. I signed up for instead of 4 classes 5, classes to try to bring back up my GPA and get myself out of the situation I was in. During the summer of 2017 I took a job with restar in order to make money so I could pay for books or online resources in the upcoming fall semester that the class may need. I actually did manage to save enough and eventually paid 1745.01 ( coming straight out of my summer earning) out of pocket for the remainder of the cost the Aid I got did not cover since at this time I was not on the Hope scholarship, and since I was serious about getting my grades back up and getting myself out of academic warning. Again 5 classes where probably not the best route for me to go and it was almost as if I was repeating my mistakes again. Things in the beginning of the semester where actually going good, I was making good grades in my CISM class and was consecutively making 90-100 marks on assignments,I did well enough on my accounting class and tried to make sure I kept up with classwork. On y first Account test I made a 78% which was a big step compared to the F I would make on a test in spring 2017. Classwork in legal business was fine, and macroeconomics was ok. I think midterms hit during october is when I started to trickle down so about mid way through the semester. At this time I was taking no medication for hypothyroidism so I was definitely feeling very stressed with 4 math classes plus the legal business class and I think doing unwell on the test was something that put my esteem even lower. Of course when I fail is when I start reacting negatively, I think too hard, and depression starts to come back full force which is not good. Now Luckily I was able to pass 2 classes, one which included the spring 2017 class I failed Geology, with the help and aid of a tutor from ecore I worked with on Lab portion of the class. Unfortunately it was not the grade I initially wanted, and I still had 3 other math based classes that I failed. One of the major classes I took was accounting which I retook as it was a very important class in my major I needed. Other mistakes that lead to my downfall were taking online classes which was something that I should have reconsidered doing especially if they are math heavy classes or required very put knowledge that requires lots of study time such as macroeconomics. I think that learning in person is something I should have done in fall 2017 semester and regret having not done that in person. I did have some anxiety and depression issues as my grades worsened which did overtake me sometimes but at the end of the day I let it get to my academic work which I never should done. I did actually take some measurements in order to try to help better my grades. I did meet with an academic coach to see where my mishaps were coming from and how I could change it in order to better myself which was on 10/17/17. Meeting with a tutor did help me pass my Geology class, something I never thought I would be able to do until the last minute. I did meet with my advisor on my future classes and things I could do so I would be able to graduate on time. There were various tutoring workshops that were created for finals week that I did attend as a way to study and help boost my grade. I even met with a lot of my online teacher in person so I could see what exactly is it in my attempts that are not working . I did this with CISM as I saw a shift in my assignment grade star to linger downward and have email conversation proof. I did this with Legal Business as well and sure enough I actually did end up passing that course and I would do extra credit assignments. By the end of the semester I ended up failing 3 out of 5 classes and still the only person to blame was myself. It took me until the last minute to realize that with tutoriting I could fulfil academic goals and I did not have to let this depression or anxiety eat me alive and ruin my chances of passing my classes. Unfortunately I know now that it is too late to do anything about fall semester. Those grades are locked in place and no amount of emailing teachers or begging can help bring those grades up. I have already paid 382.04 of my spring 2018 tuition, which was before I knew my financial aid was being cut. Again I am serious about my education and do not it to be thought that I am in any way or for taking advantage of whatever financial help that I am being given since I rely heavily on the financial aid amount that was given to me as my current financial situation would make it impossible for me to attend school if I were to pay for it all myself. Now what I am focused on is the future because I know that if I started this institution with a 3.5 GPA I do have the ability to pass my classes in order to move along in my major and graduate. I have reflected on my past mistakes, and will continue to do so in order to meet up with SAP standards and get myself out of academic probation because my ultimate end goal is of course to graduate hopefully by 2019. My plan during the spring semester of 2018 if my financial aid is reinstated is to retake calculus, accounting, and cism class in order to not only mend my GPA but get myself out of academic probation. I know this has been a big battling issue for me in accounting but my previous teacher sent me an email and said she would be more than willing to help me study and help me with my homework in order to pass accounting. I also know now of the various academic resources I will be using to study in order to pass my biggest hurdle of calculus and accounting. I Live in University suites and Will be attending Harc as I have also done in the pass and at Oaks and have easy access into the building and will be using that as a study tool. Academic resource center will be another tool I will be thoroughly using not only as a place to study but to help with time management and attend SI meetings to further help me in my studies. Another resource I will use to definitely help me further will be using the counseling center as a way to help maintain a clear mental health in order to keep my mind focus so I do not let depression or anxiety issues keep me from making my mark in class, and it will give me at least someone to talk to privately when things are getting overwhelming and I need someone to help settle doubts I may have about myself which could get in the way of my success at the institution. As soon as the new year starts is when I get my new insurance health card and when that happens I will definitely make it a priority to get a health check up and if possible more of my hypothyroidism medication, levothyroxine . A Visit to my academic advisor will also be made so they can give me a cohesive run down on classes I should take and what other measurements I should take to get back on track in my academic major goals and standards I must take towards graduating and of course out of probation as soon as possible as to not not further disrupt my SAP standing or GPA. When I reflect upon the actions that have brought me before this committee I am filled with disappointment. While I accept there is no one to fault beyond myself for my current standing, I also refuse to surrender my future due to the fact I am unable to pay for spring tuition. Looking back on my situation, I am very ashamed of myself of having let things get so bad for me academically. I went from having a high GPA to getting into academic probation, and not even using some of the resources available at the school to help pull up grades. Even after attending every class and sitting in front and doing everything a good student was supposed to do I pretty much let myself down which is most regretful. At the end of the day I can only blame myself. Now that I know what I have done wrong, I know there is still a way for me to fix my wrong doing and do not want the lack of finances to keep me from doing so. I Can still graduate, and I know for a fact that I will not let accounting or calculus get in the way of me doing so. I don't want me not being able to pay for this semester to keep me from reaching goals or getting out of my academic probation which is a serious main priority of mine I want done in spring semester 2018.I sincerely hope that this appeal shows that I am dedicated to being a successful student here at the college. I do not intend to let anything stop me from making the necessary marks to get out of this situation I am in. I have attached various email conversations of me seeking help or tutoring sessions I have attended, flyers , and emails with my Instructors at the time. I have also included the prescription of the medication I was taking which includes the date of the semester I took. Thank you for taking time to read my request for appeal and hope I will be to have my financial aid reinstated as I am eager to get the semester going and further my academic plans. PLEASE TELL ME WHERE I WENT WRONG, HOPE CAN I IMPOROVE, SHARE STORIES, AND TIPS FOR THOSE OF YOU WHO WHERE AND ARE IN SAME SITUATION [link] [comments]  |
| Nelnet unconsolidated my loan? Posted: 07 Jan 2018 07:18 AM PST Any one experience this: after 7 years of autopay, ACS sold my loan to nelnet. I had consolidated the loan upon graduation. Now that Nelnet has my loan, it's broken into groups and each group has it's own interest rate, accrued interest, outstanding balance, etc. Interesting note, it lets me pay off a high interest loan out of the group. Thus, it seems like the loan is no longer consolidated. Am I reading this correctly? I still have the same autopay, same amount, date, etc.. After years of loans, I've seen them forget my benefits and promise me things down the road that there's really no way for me to track or manage.. ugh, I hope this isn't another one of those broken promises.. [link] [comments]  |
| Posted: 07 Jan 2018 08:14 AM PST I get a personal loan from a family member. My parents have agreed to take the payments until I'm out of school. If the provider of the loan passed away I have full forgiveness (pretty likely this will happen by the time I need to pay myself) What should I do with money I'm already planning to pay toward loans? Invest? Stockpile it in an account with interest? [link] [comments]  |
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