The deadline for a 2005-2006 federal financial aid application is June 30, 2006.  Can a school refuse to process a Stafford loan before then?
217386
Yes, they can.  On a case-by-case basis, a school may decide not to certify/originate a loan for a borrower.  The school must document in writing the reason for refusing to certify/originate the loan and must ensure that, in doing so, they are not denying you access because of race, sex, color, income, religion, national origin, age, handicapped status,  or selection of a particular lender or guarantor.\n\nWhat are you looking to gain by waiting so long?  It's true the official deadline for submitting a 2005-2006 is June 30th -- but notice how that date occurs AFTER most schools' academic years are over.  By this time, most schools have begun making loans for the 2006-2007 academic year.  If you want your loans to be processed smoothly, save yourself and your Financial Aid office some major hassle and apply sooner.
211143
If you have already received $2625 in Federal Stafford Loan funding, you aren't eligible for any more this year.\n\nNote: if (a) you are independent [officially, as determined by your FAFSA and/or your school] or (b) your parents were denied a PLUS loan, you can receive another $4000 in Unsub Stafford as a Freshman.\n\nYou might be eligible for a Federal Perkins Loan (if you demonstrate financial need).  Perkins Loans are administered by your school and it us up to them to decide if you will receive one.\n\nBeyond that, you could apply for a private loan.  It can be hard to obtain private loan funding as a Freshman, particularly if you don't have a co-signer.  Do you have credit?  If so, you might be eligible for any number of private loans.  Check out finaid.org's list, here: http://www.finaid.org/loans/privatestudentloans.phtml
31691
Who denied financial aid?  If you don't know where you're going to school let you can't have applied for financial aid from the SCHOOL.  Most schools provide some amount of financial aid.  Beyond that, loans and grants are pretty much it.  If you go to a state school in whatever state you live in tuition will be a lot less, too.
158083
If you are a teacher in a low-income school district, your student loans may be forgiven....\n\nIf you received a Stafford Loan on or after October 1, 1998, and you teach full time for five consecutive years in a designated low-income school. (This applies to FFEL Stafford Loans, Direct Subsidized and Unsubsidized Loans, and in some cases, Consolidation Loans.)\n\nIf you have a loan from the Federal Perkins Loan Program, you might be eligible for loan cancellation for full-time teaching at a designated low-income school or teaching in certain subject areas. You can view the list of teacher shortage areas here: http://www.ed.gov/about/offices/list/ope/pol/tsa.pdf\n\nAs far as which schools qualify, well, there are too many schools to list here. To search the database of schools that qualify for the forgiveness, try this site: https://www.tcli.ed.gov/CBSWebApp/tcli/TCLIPubSchoolSearch.jsp\n\nOnce you know that you meet the criteria, you can complete a Stafford \nor Direct loan cancellation form here: http://www.dlssonline.com/tools/show-pdf.asp\n\nIf you meet the criteria for Perkins cancellation, you will need to speak to the school(s) from which you received the loan(s).
566248
Many schools will give you a temporary emergency loan, if they know you are getting financial aid or a loan.  You need to check in your financial aid about an "emergency loan. "\n\nHang in there!  It will be worth all the stress in the end!
547932
It is true for certain Gov. Loans.  Your school needs to be a chapter one school , which means the majority of your students fall below the poverty line and receive free lunch.  You enroll by getting the application from your lending institute or college or directly from the Stafford and Perkins loans.  Your loan is frozen and a certain amount of your loan is paid each year you remain in the program for five years.
256877
The first step is always to call the company that currently holds your loan.  Typically, when a borrwer goes into default the lender that USED TO hold the loan will then send the loan to collections, so your point of contact would become the collections agency.  Call them up and explain that your loan is in default and that you had made a mistake by missing payments, but would like to resolve your default and take responsibility for the payments from now on. Typically, the collections agency will recommend loan rehabilitation, which entails making a certain number of consecutive payments on time.  Making one large payment is generally not sufficient to resolve a default.  Your loan holder may require 12 -- some require as few as 6 before they consider your default resolved, but you won't know until you ask.\n\nYou can technically file your FAFSA now, before the default is resolved, but if you do, your school's Financial Aid Office will know that you defaulted and you will be inelgiible to receive Federal Student Aid.  If you choose to file, you will later need to submit proof to your Fin Aid office that your default has been resolved before they can award you any aid. They won't necessarily know if/when it has been fixed, so it falls upon your shoulders to keep them updated.  If you begin making your 6 (or 12) payments now, you may not be eligible for aid before school begins, but that's OK.  If you regain eligibility for aid mid-year, you can still receive the full year's worth of Stafford Loans, Pell, etc.
137816
Application deadlines for graduate study are almost always in December, January, or February at the latest.  This is because admissions committees have to meet and decide which students to admit, and which to fund, and then do all the necessary paperwork in order to accomplish these things.  If you can find a program that will let you submit an application at this late date, 1) you can be sure it is not a good program, because obviously it could not get sufficient students to fill its capacity, and 2) you can be sure you would not get any funding, since all funds have already been distributed.\n\nYour only real option is to apply for the 2007-2008 school year.  I wish you every success.
595929
Yes, you can fill out a FAFSA before being accepted into a school.  However, you do need to at least know which schools you will be considering when you file.  \n\nThe FAFSA results will not tell you exactly how much you will qualify for because that is up to the school you plan to attend.  But the FAFSA result, EFC, does tell you how much the US Dept of Ed feels you can afford to pay yourself for school.  The school then will try to come up with the difference between their cost and your EFC to help you afford school.
620348
I am 99% certain that is a special loan program administered by your school.  As such, you won't find much information about it here (or elsewhere online) unless you talk to another student at your school or, better yet, your Financial Aid Office.  The terms and conditions of this loan (including the disbursement schedule, which is what you're asking about) will be established by your school alone.\n\nSee, the "normal" alternative loan process is this:\n1. the student contacts the lender and applies for the loan\n2. the school is sent a loan application to certify and either says "yes" or "no" to it.\n\nBut, in your case, it sounds like your school offered you this loan themselves. The other factor that leads me to believe that this is a school administered program is the generic name of the award and the word "elig" after it (suggesting that your school has established their own eligibility criteria/loan limit for the program).\n\nIf you want to know when your loan will be disbursed, just contact your Financial Aid Office.  It's a fair question.  In fact, if your classes have already started and you haven't gotten your money yet, there may be a processing delay that you need to resolve.
614245
Of course you can! These things are almost always non-binding. In fact, most schools will cancel your financial aid automatically when they find out you're not attending.  \n\nIf the grant is a federal grant, the process will be taken care of for you, since one of the fundamental rules of financial aid administration is that you can't disburse funding for a student who isn't attending your school.  As I said, if you told your school that you aren't coming, chances are that they already cancelled your grant.\n\nIf the grant is from the school itself, chances are that the regulations are similar.  No school wants to throw their money away on a student who doesn't go to their school, so they will check and double-check to make sure that you are a student there before they disburse your grant funds.  If you are uncertain, just give them a call to confirm this.
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Great questions!  \n\nThere are pros and cons to consolidating, especially when you are still in school. \n\nThe biggest advantage is that you would obtain an interest rate that's almost 2% lower than the one you'd recieve next year (after 7/1/06).  The biggest downside to consolidating is that you will lose your 6-month grace period (9 months for Perkins), so your first payment will probably be due within a month after you graduate. You will, however, retain the ability to apply for deferments and forbearances. Even better, the subsidized portion of your Stafford loans will retain their interest subsidy (meaning that, even if you consolidate your Subsidized Stafford loans with other unsubsidized loans, the government will continue to pay interest on those Sub loans any time that you are in school or in-grace -- a great "perk" if you plan on going to Grad. school).\n\nIf you decide to go to graduate school, your consolidation loan will be eligible for an in-school deferment (just as your Stafford and/or Perkins loans would be if you didn't consolidate). \n\nKeep in mind that the loan for your last semester (Fall 2006, I assume?) might not be able to be added into this pre-July consolidation unless it's been fully disbursed by the time you apply to consolidate.  But if you consolidate now and later borrow new loans (in grad school, or in the 1 semester you have left), you DO have the option to obtain a new consolidation loan that can include (a) your old consolidation loan and (b) your new Stafford and/or Perkins loans.  (Basically, this is the only case in which a student is ever allowed to "reconsolidate.")  If you choose to do this, just remember that your future Stafford Loans will be offered at a rate of 6.8% -- so adding them into your consolidation (which you'll get at about 4.75%) will probably increase the overall interest rate on your Consolidation Loan. \n\nIt gets a little complicated, I know.  All things considered, if you think you can handle losing your grace period, consolidating is probably your best move.  2% in interest can really add up over 12-30 years.
275336
Hopefully pretty soon.  I'm about to default on my school loans.
676056
Vist www.nelnet.net. Inquire on the Federal Stafford Loan. That's what I did. I'm 18 with no credit and no cosigner. Mostly everyone is approved.
424726
You can apply for a pell and or loan,. However the deadline has passed for Spring..you might be able to get  a loan. I would wait until Fall. Then you will have time to fill out the FAFSA and get it back, etc. and maybe a state grant if you get it in by the deadline.  Your advisor does NOT have to pay your bills..that is not her place to tell you when to start. It's her place to help you when you start. If you really want to go in the spring, take a course or 2, and then work or get on the ball and fill out the FAFSA...it will take 3-4 weeks to get it back and then the school processes it...you still won't get your money until mid semester. (If you go this spring)
357085
Talk to the financial counselor at the school you plan on going to. They will probably have you fill out a FAFSA form. You will need your taxes and your parents taxes (if you are under 23 and unmarried). You need to fill out the FAFSA the year prior to the year you want to go to school - the priority deadline for the 2006/2007 school year was March 1 (you get more money if you turn it in by then), but the regular deadline is June 1. Past those deadlines, you can still get government money - but you will need to talk with your financial advisor.\n\nAlso look into getting scholarships - there are lots of them out there. Go to the campus' women's group and look at the scholarships they offer for women. And ask the financial counselor for scholarship information.
27532
It depends on the type of the loan. Hopefully you actually read any attached promissary notes and conditions before signing them.  Some loans are contingent on being a full time student, and come due immediately if this status changes.  Certain Federal PLUS loans come due immediately even in the event of the student's death, so I highly doubt car trouble would be a sufficient excuse to get payments deffered.  I would advice you to contact your lending bank immediately to read the details of your loan.