I'm a student living off of loan money for living expenses - with one thing and another, I don't have the money to pay anything but rent and utilities for April & May - I should be able to start paying again in May, but in the meantime I'm getting10-15 phone calls a day that I'm afraid to answer.  I can't even work something out with these people because I just won't have any income 'till May, and I can't work until May because I have to finish my thesis.  I can't apply for a loan b/c obviously my credit is poop.  I'm going to start answering the phone calls on Monday to try and make arrangements, but I'm a little scared.
203076
You may consider closing the accounts -- you will still have to pay the balance but this at least stops your phone calls. You can also work with the creditor--- in addition to closing the account, you may be able to get the interest and/or late payment/non-payment fees reduced. They generally won't do this if you do not close the account. Keep in mind--- after 2 months with no payments, they are going to increase your interest rate painfully, especially if you are a young person--- so you are going to want to dump those cards as soon as you can anyway!\n\nYou are really going to hurt your credit rating during this time, though, and you may not realize how important it is to have good credit yet.  It takes on average 7 years to rebuild credit from serious delinquency... a 100-point difference in your credit report may mean the difference between getting approved for a home loan or car note and getting denied... a 20-point difference may mean up to a half-percent or more on a mortgage rate. So if you have a reasonable minimum balance, it may be worth it to see if you can work even though you are working on your thesis. Not full time or even part time work--- just enough to be able to make your minimum payments. Because in the long run, it is going to cost you a LOT to miss them.\n\nAnd as a very LAST case suggestion--- and I mean only in the worst of circumstances because this is a very bad move--- take a cash advance from one of the credit cards, deposit the money in your bank account, and pay the minimum payments.  This is going to KILL you in interest and fees but it is WAY cheaper than having to pay 12% over prime on your next car note... just make sure to pay it off as soon as you can!
632069
I was in the same situation but I'm pretty much out of debt because I consolidated my credit cards.  I'm in a program with Ameri-debt.  If you need the phone number contact me.  They have actually helped me alot and I've gotten a lot of my family members to join and they have felt alot of relief.  Hope I helped.
391030
I'm looking into joining CityYear, acctually, I applied, and my first interview is on Tuesday. So, I can answer most of your questions. Some, or most, of the people live with their parents, or someone close by, which would be free rent, which is what I will be doing. There are some that move away for their year of service, which is what the stepind is for. It is acctually very doable to live on 175 dollars a week, You just have to budget well. They'll help you out, by setting you up with room mates, and helping you look for an apartment. They strongly suggest four people to a two bedroom apartment and in walking distance (or in an area with public transportation). They don't have any sort of dorms on any of their sites. Although, in the near furtute the Boston site will have dorms. With the 175 a week you won't be able to go out to the movies every week, or anything, but it's do able, and you'll still have spending money. You mentioned you live in that area. I suggest you do what I'm doing. I applied to my nearest site, so I can stay with my parents, and I'm going to direct deposit my stipend into an account for college, and I'll move my hours and keep my part time job later at night. (Most students either go to school or have a part time job after City Year, you just have to make sure it never cuts into your commitment.) So, no, you wouldn't have to leave work, but you may need to change your hours to gaurtee you won't be working before 6:30 PM. They also have decent health care and dental care. but they even told me on the phone, if you can stay with your parents, and on their insurance, it will be better. I can't think of anything else I should tell you, feel free to email me.\nOh, and good luck on your essays, I spent a month doing mine, writing them, they red pening them, then writing them again...
542767
call the loan company again. explain that you will be able to pay x amount in 2 weeks, and x amount 2 weeks later.  they quite possibly will give you a little leeway.
279688
Oh yeah, I have suffered a lot if I tell you how much? may be you won't believe, therefore, I won't mention in figures. \n\nFriends do know that I won't refuse and they tell me various stories to borrow money but they never return.\n \nSome people have said, I must change my habit of helping people.\n\nThe most common way of borrowing is like this:\n\nHello, Hi, how are you doing? Un... in fact I got very serious problem/sickness/family problem. Right now I am badly in need of money and surely NEXT WEEK I will return you.\n\nThat next week become month then year and then years.\nAccording to my experience those who want to borrow money they won't return. Therefore, it is said, never lend Money and Wife it will not come back.\n\nnihon94@yahoo.com
128114
Call the credit report agency and they should be able to help you. An inquiry on your credit report once in awhile does not look bad. It's when you've got alot of inquiries all in a short amount of time that knocks your credit score down. That is because it looks like you are applying for too much credit all at once and it makes you a "risk". And this is just a thought about that unknown inquiry on your report- did you file you taxes and get the next day "tax anticipation loan"? Because they do pull your credit for that. Just an idea. Good luck
123981
oops, i hope you did't use the ID you're using on this site coz maybe it would make a negative impression.  anyway try contacting a charity organization if u really have a need & u can't get a loan. example: local church, red cross, catholic charities, or united way etc etc
266922
I wish that all of us single parents could team up and help each other out... a single parent watches another single parents kids while they work, vice versa... single parents that carpool... single parents buying food in bulk and splitting between the families... even living in the same households if possible... \n\nIf only I ran the world... but since I don't, I can only provide this suggestion that I provided to another person on these Yahoo! answers:\n\nIt would be a wise idea to do a credit check on yourself first to clear up any concerns before hand. Law states that you are allowed one free credit check per year by the three major credit entities --> Equifax http://www.equifax.com Experian http://www.experian.com & Transunion http://www.transunion.com\n\nGive yourself one to two months after clearing up any "questionable" items on your report, if you needed to in the first place. Then go in for the loan.\n\nI would go to your bank to inquire about a personal loan first... but they may have a cap on what you can borrow (for example, $4000 and looks like you're needing up to $7500).\n\nCitifinancial may have a local branch in your area (check them out and see if there is one near you --> http://www.switchboard.com\n\nJust walk in with a copy of your latest paystub, a list of all your monthly debts and what you owe. If you don't have a branch near you, then call them or visit their websites:\n\nCitifinancial http://www.citifinancial.com\n\nBeneficial is another place... very similar to Citifinancial.\nBeneficial http://www.beneficial.com\n\nGood luck! :)
372724
There could be a problem with your fincial aid, you should make sure that you have filled out all of your papers for financial aid and call them to make sure that they have them all on file.\nThe Promisery note\nAnd The Loan Entrance Couciling papers\n\nIf they have them all talk to your school billing, if they don't help you have fincial aid talk to them and resolve it
461127
You should be applying for both at the same time!  Also apply for student loans and work study if you are struggling (only take what you need though if you aren't).
206702
I am an American student. I also need money. who is going to help me?  \nI doubt if you'll get financial help on here, but if you can, more power to you!
599217
You're only 21 and you already know you're going to retire from your county job? Sounds very immature. You're in a very high credit risk category, with a huge risk of default. Why would anyone lend you money at 15%? I'm not sure why anyone will would lend you at ANY rate at all.\n\nI'm guessing some of your debts are now in collection. See if you can negotiate with the collectors to pay off a smaller amount. Sometimes they'd rather accept a smaller amount than nothing at all. You may need help of credit counseling services, just make sure they're legit. Read my source for some more information about this.\n\nIt looks like minimum monthly payments for your debts add up to at most $650/mo (my estimate). If you don't want to or can't declare bankruptcy (which I don't recommend), what you need to do is order all your debt by APR, and while making minimum payments on all of them, put any extra money you have towards the debt with the highest interest rates. Do not be tempted to pay off the smallest debts, it is financially unwise. You will pay off all your debts much faster if you pay down highest interest debts first.\n\nIt's hard to believe you can find a 1-br for $250/mo anywhere. But you didn't include any other bills (electricity, gas, land-line, cable). I certainly hope you don't have cable or land-line.\n\nYou have an $82/mo cell phone bill. What's wrong with you? Do you realize that's almost $1000/year? You could be using most of that to pay down your debt. Nobody needs that much cell phone. Start watching your minutes. Start using the landline instead of the cell phone and get rid of the cell completely. If you need it for emergencies, get a pre-paid one (only pay for the minutes you use). If you have a computer, get Skype (free PC-to-phone calls until January).\n\nYou should not have co-signed your cousin. If they fail to pay, or are late, you'll get a ding in your report (and it'll stay there for a long time).\n\nWhile it appears your heart is in the right place (the only reason I'm replying to this question at all), you still have a long way to go before you can be trusted with money. Come up with a budget, follow through with my suggestions, read the resources below, and tighten your belt. You should be out of this mess in a few years.\n\nAnd "Of Course I would quit. I would actully just leave and not tell anyone because everyone annoys me here" yet again shows your immaturity. You're only working because you need the money (not because you like it), and you don't like anyone where you are yet you plan to retire from where you work.
359100
When I was working and going to school, I tried to line my schedule up so that my "hard" days were really hard--- the hardest classes, the longest class days AND work--- and my "easy" days were really easy--- no work, short school day. It's kind of late in the semester to be mucking with your class schedule but you could still plan your work days around that. I know it sounds brutal but your hard classes are going to be hard anyway, and your long days with work and school together are going to be long already. By putting all the hard stuff on one day, your easy days seem a lot more relaxing and productive.  \n\nAlso see if you can consolidate or refinance your student loans. I did this thru Sallie Mae and not every lender offers it. You can also only do it once so make sure you agree with your new loan terms but you may be able to start your deferment period again and have a little breathing room.  \n\nKeep in mind that the interest on student loans should be pretty low--- mine are insanely low--- and you should not feel stressed to pay those off early. Keep current of course, but don't be scared to be carrying so much debt because you'll never borrow money that cheaply again and it's much better to pay the student loans off slowly, freeing up your cash for higher-interest payments or for things that charge high late fees.
255188
Start by paying your rent/mortgage + utilities (water, electricity, gas, NOT cell phone, internet, cable/satellite), food, clothing, transportation (gas, insurance, NOT loans) and emergency savings (more on this later).\n\nIf you can handle those, move on to these: life insurance (if you have dependents), cell phone, internet, cable/satellite, household expenses (stamps and such), auto expenses (oil changes, registration), home repair/maint. (if you own).  Still ok?   Then keep going.  If not, this is where we start cutting and you have to decide where.\n\nFinally we get to debts - auto loan, credit cards, student loans.  List these in order from SMALLEST BALANCE to largest.  Pay the minimum on everything except the smallest and pay as much as you can on that.  If there's nothing left, you need to start making some calls.  Start with the credit cards to see if they will defer payments for a couple of months.  Interest will still accrue, but if you call them before they call you, most will work with you (although you may need to talk to a manager).  They may ask you to make small payments.  If so, YOU need to tell THEM how much you can afford - you're the only one who knows.\n\nFor student loans, try to get a hardship forebearance for 6 months.  For the auto loan, if this is really only temporary, keep paying it, if you can.  If you can't, you're going to have to sell it, pay off the loan and get something CHEAP with whatever is left over (if you're not upside down).\n\nAs for that emergency fund, ALWAYS have money in savings for emergencies (like being out of work for a week).  Bad things WILL happen, but they are much easier to deal with if you have some money stowed away.\n\nIf you need any more help, let me know.
162682
If you paid part of the bill then you should be fine. You need to call the office & let them know when you can have the rest of the payment & go from there. Just hope you're not in a cold climate.
551947
Keeping lines of communication open is good. Also, try to make any payment you possibly can. At this point, you may have to bite the bullet and get ANY job just to pay the bills. You can still search for a permanent job but it would be crazy to lose a house you almost have paid off if you can go down the street and get a job at fast food, a retail store, etc. Heck, deliver pizzas! If you can possibly do so, get a roommate. Do whatever it takes to bring in some money (legally) and keep the lender aware of all your efforts. Once you get 4 mths behind, they can start the foreclosure process. If your credit is okay, and since you have some equity in your home, you may be able to take out a home equity line of credit - but I'm not a big fan of treating your home as a bank, esp when the problem is that you have no money to pay the mortgage as it is....it's like robbing from Peter to pay Paul. Because you're going to have to then pay back on the HELOC as well. So this would be a last resort.
420490
Your options:\n\n1) Get a job and quit spending so much money.  If you can't afford it, make it so you can afford it.  \n2) Delay it.  If you can consolidate your loans and roll them forward with another loan, then that's an option to delay the payments.  However, this is dangerous.  Your past history of getting into trouble is indicative that the same thing will happen when the bigger loan comes due.  If your parents can afford to bail you out, it's best to eat crow and see if you can get a loan from them.  If that's the case, then tell them you screwed up, you learned your lesson, you have a plan to get out of debt (e.g. job, a budget that you've already started and are sticking to). \n3) Default.  You can default on your loans, but this is very, very bad.  Student loans (and taxes) are the two things that don't go away - ever - even with bankruptcy.  You will still owe the money and you sabotage your credit permanently. If you want to ensure that you can't buy a car, never qualify to buy a house, get rejected on apartment rentals, get screwed on credit card interest rates.