Does anyone know anything about student or private loans?
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first you have to complete the FAFSA at www.fafsa.ed.gov.\n\nthis will tell you how much of your own money you will have to spend each year (don't panic, you can borrow this money)\n\nafter that, you see if you have anything left to pay after you subtract any grants that you are eligble for\n\nif you still owe money, you will need a loan\n\nI got a loan from www.wellsfargo.com even though I have a recent bankruptcy
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For a huge list of private educational lenders, check out this page of FinAid.org:  http://www.finaid.org/loans/biglenders.phtml\n\nThe Top Ten educational lenders are...\n1. Sallie Mae\n2. Citibank\n3. Bank One\n4. Bank of America\n5. Wells Fargo\n6. JP Morgan Chase\n7. First Union (Classnotes)\n8. College Loan Corporation\n9. US Bank\n10. Access Group\n\n(Now, this is actually a list of the top private lenders dealing in federal loans.  However, many [if not all] of these private lenders also deal in private loans.  For either loan type, they're well worth looking into.  In fact, don't go for a company that's too obscure -- there's no security there.) \n\nWith private loans, the interest rate you will get with each company will vary based on your credit rating.  Some rates may be as low as Prime minus .5% or more.  Others can be high (Prime + 6% or more). Most companies structure their rates this way (as Prime + a specified margin or LIBOR + a margin), so it helps to know what Prime and LIBOR are at any given moment in time.  If you don't like the variable rate structure, seek out "fixed" or "flat" rate loans instead.
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Have you looked into grants, like the Pell Grant, that you don't have to pay back? You have to have certain income guidelines. Get a good!counseor at the admissions at the college and they will go to bat for you. There is millions of dollars in untapped grants and scolarships that people don't use, alot from private donors, every year, going to waste. You can start on the internet and get on a reputible site, goggle "money for college", or go to the book store, they have several books on untapped loans, I bought one myself a few years back. Also work study programs at the universities are worth looking into. There is a goldmine out there! Are you the child of a Veteran by chance, that may be a route to go and look into. Good Luck!
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Check out this very helpful page: http://www.lendersrated.com/index.htm#student\n\nKind Regards,\nLeafgreen
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It depends on the type of student loan - are you the parent or student and is this a private or government-backed loan?  The article below covers this topic in detail.
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Yes U can get a loan from any bank -check out the main branch of any bank -lots of banks provide the student loans.
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Private Lender Loans : For those who need to borrow from private lenders, the Financial Aid Office has researched interest rates, fee charges, and quality of service among several available sources. Some private lenders are looking into Master Promissory Notes. \n\nA Master Promissory Note is a contract the student signs when taking out a one of the federal loans. This includes the Stafford Loan, Perkins Loan and Loans for Disadvantaged Students. The Master Promissory Note also covers federal loans that the student may receive for future enrollment periods. It is a legally binding agreement that the borrower signs to promise to repay the loan, with interest, in periodic installments. It may be signed either in writing or electronically.
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apply for a student loan fast
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Hello there,\n\nYou still do have many options, but i would need to know more information in order to accurately give you a suggestion..\n\nYour in a situation that alot of students find themselves in these days with such high tuition rates..\n\nWhat i would have to do is take a closer look at your situation and then advise you from there..\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 with your federal student loans... \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-hluduhmi...\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 times 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
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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
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go here...\nhttp://loans.mamayek.com/studentloans.html
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Focus on these three things: interest rates, fees, and customer service.\n\nThe cheapest college loans are going to be the ones with lower interest rates and low (or no) fees. These, however, are the loans that require the borrower (or the co-borrower) to have pretty good credit.  If this sounds like you, you might be in a good position. To obtain a list of loan companies, try checking with your school's Financial Aid Office to see if they have a list of recommended private loan lenders.  Schools are approached *all the time* by lenders looking to obtain their business.  If your school has an existing relationship with a lender, they might have worked out some additional benefits to you, the student, for borrowing with that lender. [You should still do your research, though.]\n\nOnce you have a list of lenders, check their websites for rates and fees.  These should be laid out clearly and, if they are, not give that lender a call.  Some lenders will offer one rate for all borrowers. Other lenders might say things like "rates as low as..." which should immediately signal to you that your rate *could* be higher.  This "as low as" statement implies that the interest rates are "tiered," meaning that YOUR rate will depend on your (and/or your co-borrower's) credit.  A good example of this is Sallie Mae's Signature Loan, the most popular (or, at least, the most often borrowed) private educational loan.  With this loan, students are given a lower interest rate for having applied with a co-signer. \n\nRE: Loan fees.  These aren't desirable, per se, but they aren't the end of the world either.  Sometimes, the only way that a company can offer a really good rate is to take a couple hundred off the top (example: MEFA offers super-low rates on some loans, but they do charge a fee).  There are borrowers that absolutely refuse to borrow a loan that has fees and, if this is your philosophy, that's fine. But weigh all your options and do the math.  Make sure that the up-front savings are worth it. (Try a loan repayment calculator like the ones on www.finaid.org -- these will give you a good sense of how much money you might save [or not] in the long-term).\n\nAnd while you're looking at the up-front benefits, make sure you ask either your lender or your school about any "back-end" (repayment) benefits.  Many companies will offer you a discount of .25% for having your monthly payments automatically (or for setting up online billing).  \n\nSo, what else differentiates one company from the other?  Well, nothing that you can see in writing on your promissory note... BUT, you might want to consider the following customer-service related questions:\n\n* Can I make my payments (view my statements, see tax information) online?\n* Will this company sell my loan or will you be my contact for the life of the loan?\n* What kind of options do I have for forbearance or deferment if I am having trouble making a payment later on?\n\nWhile a company with good customer service may not save you money, they make save you a lot of heartache and hassle down the road...\n\nSome loan companies to research:\n* Sallie Mae (or one of their subsidiaries, such as Nellie Mae, AMS, etc.)\n* Citibank\n* Citizens Bank\n* Sovereign Bank\n* Wells Fargo\n* Bank of America\n* Access Group\n* Key Bank\n* EdAmerica\n\n[Above, I only listed companies with whom I've had positive experiences -- there are countless others, of course, that may also be a good fit for you]:\n\nNote: Before you choose any of these companies, do a quick check to make sure that there isn't a company in your state that offers low-interest loans to their residents.  Some states so this and, very often, the rates are unbeatable.  [Some examples: MEFA (Massachusetts), VSAC (Vermont), and the Alaska Commission on POstsecondary Education.]
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Make sure the FAFSA is filled out and even ask the finacial aid officer at your school for some advice. But don't get a loan from outside sources. Stafford loans and College foundation loans have low interest rates and give you awhile to pay them off. CItibank, mastercard, bank loans, etc have high interest rates and will want their money ASAP. So try to get a school loan but whatever you do, don't use outside loans.  Also they are credit based so without a very solid credit file you may not get approved for the whole amount and will need more than 1 loan which makes no sense. Just get a regular stafford loan or other school loan and you can get the amount covered. Also Sallie Mae loans are expensive (at least they were for me) and had high interest rates. I wouldn't recommend them or any other outside loan companies.
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Are you looking for private student loans or federal loans. Check the FAFSA website. They should have some good links. I am not sure of the exact web address but you can type it in to any search engine. \nAlso, I had student loans through Citibank and Key Bank and they have been really good. Try studentloan.com also. I personally wouldn't recommend Sallie Mae's student loans to anyone, as I have had a number of problems myself. Just make sure you check interest rates!!! That was something I never did when I was looking for loans because it wasn't important to me at the time. Now that I am paying on them, I wished I had paid more attention!
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Unfortunately, student loan interest rates go WAY up on 6/30/06 thanks to Dubya!\n\nMyself, I am a grad and need to consolidate my loans before the deadline! So I went on a google hunt (I mean search ;). But eventually, I did find a site that has rated a few student loan consolidators, and says they have checked them out. Here's the web page: http://lendersrated.com/studentloans.htm\n\nHope it helps you...\nkarateross
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Absolutely.  Plenty of people have 2 loans.. some have 20.  Of course, there are limits to how much Federal aid you can get (annual limits as well as "lifetime" limits), but if you have only one degree now, chances are you haven't come close to these limits.  \n\nUndergraduate ANNUAL loan limits for Federal Stafford loans are as follows:\n\nFreshmen: $2,625 \nSophomores: $3,500\nJunior/Senior/Fifth-Year: $5,500\n\n*Independent* undergraduates are eligible to borrow additional unsubsidized Stafford loan funding: $4,000/year for Freshmen/Sophomores and $5,000/year for Juniors, Seniors, and fifth-year students.\n\n{Note: The annual Federal Perkins Loan limit for undergraduates is $4,000.}\n\nGraduate ANNUAL loan limits:\n\nLoan limits for graduate students are much higher. In general grad students are eligible to receive $18,500 per YEAR in Stafford Loan funding. $8,500 of this amount can be subsidized.\n\n{Note: Perkins Loan limits for Graduate students are $6,000.}\n\nHealth professions students (and, in some cases, students in teacher certification programs) are eligible for additional Stafford loan funding. The amounts for this, however, vary by course of study. For specifics, see the link below. You will notice that, for some students, their annual limits are HUGE.\n\nAGGREGATE (overall/lifetime) Debt Limits:\n\nThere are aggregate ("overall") debt limits that MUST be taken into consideration when calculating a student's eligibility for these annual limits. A student would become ineligible to borrow student loan funding those funds would exceeded his aggregate debt limit. Stafford aggregate limits are as follows:\n\n* $23,000 for a dependent undergraduate student,\n* $46,000 for an independent undergraduate student (or a\ndependent undergraduate student whose parents do not qualify for PLUS loans), no more than $23,000 of which may be subsidized.\n* $138,500 for a graduate or professional student (including\nloans for undergraduate study). No more than $65,500 of this\naggregate amount may be in the form of subsidized loans.\n* $189,125 for graduate health professions students, no more than $65,500 of which can be subsidized.\n\nNote: Federal loan limits are set to be increased beginning with the 2007-2008 academic year.\n\nFinally, even if you have exceeded your Federal borrowing limits, most private lenders will allow you to borrow a private loan up to the cost of your education less any other financial aid that you had received. In some cases, some private lenders will allow you to borrow education loan funding in excess of your direct costs.
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Yes, though I have no direct experience with them. \n\nTheir site doesn't raise any of the red flags that most of the disreputable lender sites do.  It's a good sign that www.finaid.org lists them on their "best private loans" lender list.  That said, I don't get the sense that they are specifically catering to students with less-than-ideal credit histories, but that's not necessarily a bad thing (CampusDoor doesn't *say* that they approved borrowers with minimal credit histories, but they usually DO).  If you apply with them and they don't approve you, take that as a sign that you need to search for a lender who specifically states that they make loans to borrowers with credit problems.