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money advice needed
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<blockquote data-quote="tRidiot" data-source="post: 5774646" data-attributes="member: 569830"><p>Are you talking about subsidized Stafford loans or combined subsidized and unsubsidized Stafford loans?</p><p></p><p>Every US citizen or PR qualifies for loans (assuming you're not a convicted drug dealer), they're federally guaranteed. I know many school financial aid departments will tell you that you only qualify for x number of dollars, but when you start digging, it turns out what they're talking about is subsidized Stafford loans, not the sum total available to you of subbed and unsubbed. This happened to me and cost me several years before I found out, time when I could have been in school but wasn't because I thought I couldn't afford it. Credit and current debt or collections have nothing whatsoever to do with your ability to get Stafford loans, unless those collections are currently-defaulted student loans.</p><p></p><p><a href="http://www.staffordloan.com/stafford-loan-info/index.php#stafford_loan_limits" target="_blank">http://www.staffordloan.com/stafford-loan-info/index.php#stafford_loan_limits</a></p><p></p><p>That page shows you some of the limits. Of course, you can thank Bill Clinton for requiring that you use your parents' income to determine your eligibility amounts until you are 23 years old. That rolled out just in time to **** me, as well.</p><p></p><p>You can apply as an independent with special circumstances, but it may be denied, especially since you've been living with your parents all this time.... kinda hard to prove you are independent. If you are truly a 3rd year student as you say, then you should be able to borrow several thousand dollars.</p><p></p><p>As for how much you can borrow, you will be able to get enough to get your tuition paid for... you may well have to work to pay your rent and bills. You may have to have roommates to split costs. This is how college works.</p><p></p><p>Sorry if you're looking for someone to give you a nice car and free rent and bills so you can sit in a classroom. Move to Canada or Europe, they do that over there... here we (at least sometimes) expect people to actually sacrifice to make a better life for themselves in the future.</p></blockquote><p></p>
[QUOTE="tRidiot, post: 5774646, member: 569830"] Are you talking about subsidized Stafford loans or combined subsidized and unsubsidized Stafford loans? Every US citizen or PR qualifies for loans (assuming you're not a convicted drug dealer), they're federally guaranteed. I know many school financial aid departments will tell you that you only qualify for x number of dollars, but when you start digging, it turns out what they're talking about is subsidized Stafford loans, not the sum total available to you of subbed and unsubbed. This happened to me and cost me several years before I found out, time when I could have been in school but wasn't because I thought I couldn't afford it. Credit and current debt or collections have nothing whatsoever to do with your ability to get Stafford loans, unless those collections are currently-defaulted student loans. [URL="http://www.staffordloan.com/stafford-loan-info/index.php#stafford_loan_limits"]http://www.staffordloan.com/stafford-loan-info/index.php#stafford_loan_limits[/URL] That page shows you some of the limits. Of course, you can thank Bill Clinton for requiring that you use your parents' income to determine your eligibility amounts until you are 23 years old. That rolled out just in time to **** me, as well. You can apply as an independent with special circumstances, but it may be denied, especially since you've been living with your parents all this time.... kinda hard to prove you are independent. If you are truly a 3rd year student as you say, then you should be able to borrow several thousand dollars. As for how much you can borrow, you will be able to get enough to get your tuition paid for... you may well have to work to pay your rent and bills. You may have to have roommates to split costs. This is how college works. Sorry if you're looking for someone to give you a nice car and free rent and bills so you can sit in a classroom. Move to Canada or Europe, they do that over there... here we (at least sometimes) expect people to actually sacrifice to make a better life for themselves in the future. [/QUOTE]
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