the_rev Posted December 31, 2007 Share Posted December 31, 2007 (edited) I have a question for all current college students and recently graduated ones or someone who can help me in general. This semester of college I will have a tuition balance and need to take out an additional private loan to cover it. There are so many companies out there that have advertisments like Astrive, Uppromise, Chase, etc. I'm wondering if there are any phatmassers who have dealt with a company personally and if they would recommend that company. I would like to add that I believe I have very good credit. I have two store credit cards, two visa cards, and a checking account/debit card. My credit cards I've paid off in full each month. I also would like to use the same lender for each semester that I have a remaining balance to pay off for tuition and make some type of payment while still in school, not a lot but some. I appreciate any help, Edward Edited December 31, 2007 by the_rev Link to comment Share on other sites More sharing options...
Autumn Dusk Posted December 31, 2007 Share Posted December 31, 2007 a bank issued credit card means nothing. loans will be high without a co-signer. See if you can get work-study or other options. Look for in-school scholorships and hound the officers to help you find things to apply for. More often than not if you can get them to care they will find the money. Link to comment Share on other sites More sharing options...
rkwright Posted January 1, 2008 Share Posted January 1, 2008 Rev! man I posted a thread a while back saying 'wheres rev at! I haven't heard from him in a while!' good to see you! I didn't read your post above yet mostly because I was just excited to see you posting, but are you in college now or seminary? Link to comment Share on other sites More sharing options...
Mercy me Posted January 1, 2008 Share Posted January 1, 2008 Hey welcome back!!! Ditto Autumn. Hound the financial aid officers. Do as much as possible to minimize the loans because they will dog you long after you finish school. There are options and you will not regret chasing after ways to pay for school. It is so worth your time. Link to comment Share on other sites More sharing options...
CrossCuT Posted January 1, 2008 Share Posted January 1, 2008 [size=1]I dont know too much about personal loans, but I know my sister uses Wells Fargo all the time [/size] Link to comment Share on other sites More sharing options...
Pio Nono Posted January 1, 2008 Share Posted January 1, 2008 JMJ 1/1 - Maternity of Mary (Circumcision of Our Lord) If you're still at St. Thomas, go down to the business office in Aquinas Hall (unless they've moved it) and explain your situation. Tell them you need to talk to a financial counselor on campus. If they stall, threaten to transfer - they're [i]terrified[/i] of losing students at St. Thomas and will bend over backwards to keep you there. Link to comment Share on other sites More sharing options...
Didymus Posted January 1, 2008 Share Posted January 1, 2008 [quote name='Autumn Dusk' post='1440684' date='Dec 31 2007, 06:08 PM']See if you can get work-study or other options. Look for in-school scholorships and hound the officers to help you find things to apply for. More often than not if you can get them to care they will find the money.[/quote] yeah, totally try to apply for as much as possible. If you are a seminarian, contact the Knights of Columbus. Even with good credit, it's best to try to pay as you go as much as is possible. Link to comment Share on other sites More sharing options...
Andrea348 Posted January 1, 2008 Share Posted January 1, 2008 Can't you get a federal loan? Private student loans have interest rates that can adjust to ridiculous numbers. I've seen a number of people have a lot of trouble with the interest rates adjusting after they graduated and have trouble paying them off. Link to comment Share on other sites More sharing options...
zealousrap Posted January 2, 2008 Share Posted January 2, 2008 I just took out a loan from Key Bank, but don't know what would be best for you.... Link to comment Share on other sites More sharing options...
the_rev Posted January 2, 2008 Author Share Posted January 2, 2008 Update: I discerned out of the seminary and have transfered from St. Thomas to a local private college back home. I'm receiving federal loans and some scholarships and grants. The amount I would need to take out is minimal (I believe it to be less than 2,000) I've exhausted all options of alternative financial aid. Link to comment Share on other sites More sharing options...
Didymus Posted January 2, 2008 Share Posted January 2, 2008 oh thats not a bad loan i guess... and with your good credit you probably won't end up with much of a problem at all. that being said, good luck! btw, are you still majoring in philosophy? Link to comment Share on other sites More sharing options...
beata_virgo_maria Posted January 2, 2008 Share Posted January 2, 2008 If you are offered [u]subsidized[/u] Stafford loans they are by far the best loan you can get. The government pays your interest while your in school, it's a pretty good deal. The max they offer is around $2,000 your freshman year. Link to comment Share on other sites More sharing options...
the_rev Posted January 2, 2008 Author Share Posted January 2, 2008 [quote]btw, are you still majoring in philosophy?[/quote] No, Political Science and Communications. Link to comment Share on other sites More sharing options...
Azriel Posted January 2, 2008 Share Posted January 2, 2008 Just FYI, my Grad Loans are through Citibank, and they've been wonderful ... both for subsidized and unsubsidized. Link to comment Share on other sites More sharing options...
premed_jakey Posted January 2, 2008 Share Posted January 2, 2008 i get my loans through SalliMae (www.salliemae.com) and they are wonderful for me. Link to comment Share on other sites More sharing options...
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