Hi, I am a soon-to-be-graduate student from India. I wanted to study abroad, and need to take up a student loan. I want to know maximum details about loans, how tos, and all the stuff? Thanks in advance.
209594
see if the shcool you plan on attending has an internaitonal student ssection.\n\nyou may be eligible to apply for private loans.  If you are an Indian residentl, you may not be able to apply for usa financial aid, but some school have scholarships and educational loans for internaitonal students.
397432
Hi tthere Kit t,\n\nWhat happens alot of the time is when consolidating the lender does not consolidate all of your loans..\n\nIf this happened to you then you will actually be in luck,...\n\nIf you have one outstanding loan, my compnay can then consolidate you again by consolidating what ever samll loans you still ahve out there into your large consoliodated loan..\n\nThe reason this will benefit you is because we will offer you up to 3 years of forebarence at that point..\n\nMeaning, you wont have to worry about making a  payment to prioncipal or oibnterest for 3 years.. You can choose to send interest payments if you choose, but you will not be obligated..\n\nThis is what ido for alot of students that are looking to go back to school.. It can give you a little more breathing room until you are working full time makin genough moneY..\n\nGive me a call when you have a moment.. I would =eb happy to pull up yopur loans on the NSLDS (national student loan database system) This will tell us if we can re-consolidate you or not..\n\nAlso feel free tio check us out online.. Here is a link to my yahoo 360 profile which has links to our website as well..\n\n\n\nhttp://360.yahoo.com/profile-HlUDUhMib7M9Wlj6o6L2SfGcEYtkt9xsaQ--?cq=1\n\n\nLook forward to hearing from you!\n\nJason Fry\nStudent Aid Lending\n1-800-964-0642 ext 114\njasonf@studentaidlending.com
99967
Did you do the FAFSA form.  I am kind of in the same boat.  I didn't go to school and I worked instead.  Now my FAFSA info will be based on my income of 20,000 even though if i go to school full-time I won't be making any money.  We should keep in touch and encourage each other.  I hate feeling like I have an "impossibbility complex" over something as simple as going to school.  If you can work out something to get through your first year, you will be eligible next year.  Take student loans, it should be worth it.  If you click my name, there is a link on my profile to send me an email.  Feel free!
343318
student loans. try the guidence office at your school
417426
Dear friend i hope this website will clear all your doubts regarding the loan\n\nhttp://www.nutch4.com/onlineloans.html
483004
You ask for a deference or forbearance. Most student loans are deferred till 6 months after graduation anyway, and if you haven't found a job by then, you just call up the owner of your loan and request an extension. Forbearance is sort of the same, but leans more toward the 'hardship' part of not being able to pay.\n\nSomething you should know though (and it's quite important) is that:\n\nEven if you defer or forebear, interest WILL continue to accrue (unless you have a Federal subsidized loan)... actually, I believe that even if you do have a Federal Subsidized Loan, interest continues to accrue AFTER the 1st deferment term expires.\n\nYou should also maybe look into a 'Sliding Scale Payment Plan", which allows you to make your payments according to what you're making/worth. For instance, if you have a part time job, your first year of payments will be REALLY low, and they increase with time.\n\nThe BEST way to go about this though, is to contact your lender, and find out what your options are. They're usually very helpful with such things.\n\nPS: If you have federal loans, you might want to look into consolidation AS WELL as deferment... Good luck.
672458
try this.....My brother is getting student loans and he recieved info in the mail on how and where but try contacting the financial aid office at your school if this site doesn't help
330287
I myself have quite a few student loans through a private college.  Our financial aid department did most of our loans through Citibank, which offers a consolidation of your loans w/ minimal monthly payments that I'm paying now (about $5 a month for every $2,000).  Most banks want to take your debt and consolidate it (it's how they make their money), so I'd shop around or ask your financial aid department for suggestions of banks that will work in your favor.  Also, try looking into the bank your checking or savings account is at, they usually offer discounts to customers.  Hope this helped a little.
195698
Please check:\nhttp://moneycentral.msn.com/content/CollegeandFamily/Savingforcollege/P59866.asp\n\nGood Luck\nNBS
556750
Talk to the school. If you only have one month left, I'm sure they have answers for you. They get funding based on how many students graduate from their institution. If all else fails, ask your parents and pay them back! One month-don't give up now!
668223
You did not say if you have subsidized or unsubsidized loans. I think  there is a difference between the both in terms of your repayment options.\n\nBut the following link would be a good start.\nhttps://www2.eac-easci.org/resources/RepaymentBro.pdf\n\nThe Estimated Student Loan Monthly Payment Chart and \nLearn About Repayment Plans sections provide an idea about your monthly payments and various repayment plans.\n\nYou might also want to look into consolidating your loans. ( Note: rates go up, on July 1st ). ( If you want to consolidate your loans, do it before then ).\n\nThe best thing would be to talk to your financial aid department if you are still in school. They will discuss the various options available, and you could choose the best one for you.
652206
you first need to apply to the school and get accepted before filling out any student loan papers. Once your accepted you also need to have gotten your visa, green card, or whatever or be in the process of getting it. Then apply for student loans and aid. It shouldn't be hard.
391837
Hello Lisa,\n\nUnfortunately alot of people are in the same situation across the country... In fact i hear situations like this on a daily basis..\n\nAlot of student loan companies (sallie mae, nelnet, etc) will give student laons to both parents and students... All sounds fine but what they do alot of the tiem is make the parent think they are just goin gto be the "co-signer"\n\nUnfortunately what it really means is the parent will be the "borrower", and the child will be the "beneficiary"...\n\nSo, on credit the loans are under the parents name ONLY... Meaning the child has no financial obligation to the loan...\n\nSo, being the child has no financial obligation to the loans, the government will NOT allow you to consolidate the parent polus loans into your own federal loans...\n\nBut, that does not mean you are out of luck...\n\nYou will actuually benefit greatly by consolidating the loans you have in your name to one bill.. And then have your parents do the same thing...\n\nThis will make things easier especailly if your parents expect you to pay them back for the loans they took out in your name... \n\nYou will have your consolidation loan (1 payment) and your parents will havfe their loan (also 1 payment)\n\nYou also will still get all of the regualar benefits and rate discounts offered by the department of education for doing  a consolidation program...\n\nI work with Student Aid Lending, we are a nationwide title IV lender administered by the Department of Education... I would be happy to assist you with the consolidation process.. \n\nTake a look at my yahoo 360 profile.. There is alot of helpful information there for anyone to view.. You can also find the direct link to my website..\n\nhttp://360.yahoo.com/my_profile-HlUDUhMib7M9Wlj6o6L2SfGcEYtkt9xsaQ--?cq=1\n\nIt is actually a VERY SIMPLE process, it can be completed in 10 minutes over the phone and internet...\n\nFeel free to call or email me at any time.. Im available at all tiem to answer any questions or concerns you may have..\n\nI hope this helps!\n\nJason Fry\nStudent Aid Lending\n1-800-964-0642 ext 114\njasonf@StudentAidLending.com
276702
FYI: I solved my school tuition cost problem by working for an employer who offers 100% tuition reimbursement.  Also, did you know that some student loans are forgiveable if you work in an improvished area for a designated amount of time.
307404
Don't worry they will figure it out and demand it back right away.That happened to me with a student loan one time but I didn't take the money I called them and told them about it because I knew they would figure it out and I would have to pay it back right away, best to not touch it and let them know.
662917
Definitely keep your federal loans separate from your private loans. A Federal Consolidation Loan can only be comprised of *federal* loans, so if you get a letter from a company offering to consolidate private + federal, don't take the bait! You could end up with a Private Consolidation Loan with lousy terms and none of the security of the Federal Consolidation Loan program.\n\nIndeed, students of all sorts (including students who haven't even graduated) are getting tons of fliers about consolidation.  Some are from legitimate companies and some, unfortunately, are not.  When picking a consolidation lender, it's good to pay attention to the interest rate offered -- but this, by far, is not the only indication of a good lender. In fact, some of the companies offering rock-bottom rates are the questionable ones that you want to avoid!  Instead, ask yourself the following:\n\n* How long has the company been in business?  This is a good indication of the longevity of the corporation. Student loan companies come and go and, when they go, they have to sell your loans to someone. If this occurs, you won't get a say in the matter and could end up with a less-than-ideal lender.  In some cases, when these sales are made, students aren't properly notified of the sale, which has led to some students missing payments... which can, in turn, lead to delinquency and default.\n\n* What is the company's website like?  Not only is a strong, detailed website a sign of a good lender, but it can also be critical in helping you keep track of your due dates, look up information during tax season, and apply for deferments.  This is also a good way to spot a "scam"-type company.  If you log onto the website and the first thing you see if an application form asking for your social security number, RUN.  A good company will give you ample opportunity to learn about the terms and conditions of their loan before you apply.\n\n*What is the lender's reputation? What's their customer service center like?  Now, to be fair, now may not be the best time to call up each company to gauge their customer service.  During the last week in June, all of those companies will be swamped with calls from borrowers consolidating last minute.  If you have a chance, talk to your friends, family, and financial aid office to see who they recommend.\n\nFor federal consolidation, Sallie Mae and Citibank are the #1 and #2 consolidation lenders (respectively) in existence right now -- and for good reason. Their loan processes are streamlined, the websites give you everything you need to manage your loans from disbursement to repayment, and they are leaders in their industry.  I would highly recommend consolidating with either of these comapnies.  In fact, I won't name anyone else because I don't think the others hold a candle to these two.  But if you're curious what's out there, you can check out FinAid.org's list of the largest consolidation lenders: http://www.finaid.org/loans/biglenders.phtml\n\nSallie Mae also offers private consolidation, so you could direct all your private loan volume their way, too, and they might be able to bill you on a single bill for all your loans. Although I generally recommend Sallie Mae above the others, I acknowledge that, unlike with Federal consolidation, private consolidation interest rates will vary -- so it might be worth shopping around.  Other lenders who offer private consolidation include...\nKey Bank: http://www.key.com/html/H-1.39.b.html\nEducation Finance Partners: http://www.educationfinancepartners.com/loans_privateconsolidationloan.html\nNelnet: http://www.consolidation.nelnet.net/PvtDescription.asp\nNextStudent: http://www.nextstudent.com/private-consolidation-loans/private-consolidation.asp\nSunTrust: http://www.suntrusteducation.com/debtcons/privcons.asp\nWells Fargo: https://www.wellsfargo.com/student/loans/repayment/consolidation/consolidator.jhtml\n\nFinally, if you
609155
Be careful with consolidation.  By consolidating your loans, you may avoid the higher interest rate (and a few thousand dollars on the life of the loan) but you are giving up benefits like deferment and cancellation.  Please do some research and speak with your  student loan officer.\nI placed a few links below.  Many years ago, I had student loans and there was a point in time when I was grateful for the deferment option.  Life is funny, we plan, be we can't plan for everything.\n\n"You may give up some valuable features or benefits of your student loans by consolidating. Decide if you can afford to lose Perkins loan deferment or cancellation provisions or any other features or benefits of your particular loans."\n\n"If you hope to qualify for student loan forgiveness (  http://www.bankrate.com/brm/news/advice/college/20060519c1.asp   )  by pursuing certain public service careers, do not consolidate your Perkins loan. Only the portion of your Perkins loan that remains unconsolidated is eligible for forgiveness."\n\n\nIf you consolidate, you no longer have the 6 month grace period and you must begin payment of your consolidated student loans.\n\nPlease see this link for deferment summary. You never know when you might need a deferment.  \n\nhttp://studentaid.ed.gov/students/publications/repaying_loans/2003_2004/english/repayment-options-deferment.htm