student loans

[TIM TIM TIM]

I have been trying to search around but dont get much info and when i call there numbers on the sites, they are just to do an application on the phone..

Im trying to figure out roughtly what it takes to qualify, to much money or to little, what general credit score do you need to have. Will they cover any type of schooling?

Basically Im looking to become a firefighter. With the market the way it is, I can BARELY work enough to pay the bills on time so paying for school up front is pretty much out of the question. I would only need roughly 2000 for the schooling. If its possibly I would probably consider getting mroe to help pay my bills so I can go full time. If was able to go full time It should only take me 6 months or so to finish school and hopefully not that much longer to actually get hired (less then a year all together i am hoping). Would they offer a loan for that type of school? Also, do you think they would loan enough to pay 2-3 months bills so i could go full time???

Sorry to ask here, I just am not getting very far on there web sites and stuff.

[clear]

I have seen loans that will give you up to 40k a year, ill find you the link when i get a chance.

http://www.salliemae.com/content/tuitionanswer/index.html?dtd_cell=google&hhkey=private&TA_PROMO=TA_GOG

[TIM TIM TIM]

they all say they go by how much the school costs to get up to the 40k. I would just need like 6 including enough to pay bills with the school.

[clear]

Designed to cover any qualified higher education expenses when federal funds aren't enough. Use it for tuition, books, fees, even living expenses! <<

[TIM TIM TIM]

so I would assume im elligable and all. thanks

[clear]

I was approved for $22k a year for 2 years. Just dont know if i want to be in debt 44k just for school yet! Me and the wife are trying to figure out a better way

[Just Dave]

I think student loans only cover accredited programs. You need to make sure firefighting school falls into that category.

Have you considered a personal loan or credit card?

[chrissyinbloom]

Yeah, check to see if your program is accredited. If so, fill out a FAFSA.

[TIM TIM TIM]

I think student loans only cover accredited programs. You need to make sure firefighting school falls into that category.

Have you considered a personal loan or credit card?

thats the main thing i was wondering, if my classes would be coverd.

I haven't really thought about the personal loan thing. For some reason, credit card company's don't seem to like me. I have done several app's over the last couple years and have only gotten 1. My fiance on the other hand, who has a credit score 75 pts lower then mine, can get them just fine :dunno:. Anyways, my limit is only 1k which wont cover much of anything.

How hard is it to get a personal loan? my credit isnt bad, I just dont have much of it (about to turn 21 next weekend). I do have a house, car and credit card which all have perfect payment history though.

[clear]

that salliemae loan is more like a personal loan instead of a student loan. but yea see if you can get the fafsa to pay for some, apply for grants and whatnot

[TIM TIM TIM]

where do you apply for grants and stuff? I havent ever even looked into it or cared to. If it has anything to do with my highschool gpa then thats a waste of time (2.3)

[chrissyinbloom]

That's what the FAFSA is for.. student loans and grants. Here's the website http://www.fafsa.ed.gov/ Check the dealines, each state is different. And it has nothing to do with you HS GPA :) Good luck!

[TIM TIM TIM]

sweet, thank you guys :)

[TIM TIM TIM]

i must be an idiot because that site makes no sense to me.

[chrissyinbloom]

What parts don't you understand? I've done this plenty of times, maybe I can help you out.
What the application is basically your tax return info from 2007. And if you're a dependent student, which I think you are since you are only 21, you must provide your parent's info too. (which I think is lame)
After your info is processed, they give you an EFC - expected family contribution. Don't worry too much about this number. If it's low enough, you will get grants. If your income is over that limit, you are still eligible to get plenty of loan money!

[clear]

If your parents make a lot of money then your fucked with the grants, unless your over the age of like 24 or something. I was living with my mother, she made 30k a year and i couldnt get a grant!

[TIM TIM TIM]

i claim myself, im almost 21 with my own house, cars and im engaged. I dont make that much money any more either..

shit last year, I technically made 700 dollars. In reality I probably made a little under 20k though. As I said, times are rough and thats why im looking to go back to school :)

[TIM TIM TIM]

If your parents make a lot of money then your fucked with the grants, unless your over the age of like 24 or something. I was living with my mother, she made 30k a year and i couldnt get a grant!

good thing I don't live with them :lol:. i for sure wouldn't be eligible for shit.

[chrissyinbloom]

Unfortunately it doesn't matter whether you live with your parents or not. They want your parent's info until you are 24 or 25.. which is why I think it is lame!

[TIM TIM TIM]

sucks for me.. my mom makes quite a bit more then 30k, if clear wasnt able to get it because of that im surely not getting anything. I am going to start looking into a personal loan for it. Hopefully my credit is strong enough

[clear]

I applied for FAFSA when i get the results i will tell you!!

[TIM TIM TIM]

alright awesome, thanks.

[Derek]

Fafsa is not for loans, just financial aid, and like everyone else said the fafsa website is useless unless your 25 and making shit money. If your parents make ok money you probably wont qualify for any grants either.

I would think your best bet is to go with a Staford loan. You can get one from just about any bank (im sure its easy to qualify, i know tons of friends with shit credit who have student loans). Payments and interest are deferred till 6 months after graduation IIRC (you may even qualify for govt to pay interest on the loan).


http://www.bankofamerica.com/studentbanking/

http://www.wachovia.com/personal/page/0,,325_496,00.html

http://www.salliemae.com/

http://www.regions.com/personal_banking/student_loans.rf

[clear]

Staford loans only pay for college, he wants something to help pay the bills also.

[TIM TIM TIM]

Staford loans only pay for college, he wants something to help pay the bills also.

thats what I would prefer, if all I can get is the school, then Ill just have to do the fire acadamy part time, I really dont want that but there are only so many options..

[Derek]

Staford loans only pay for college, he wants something to help pay the bills also.

Ah, my bad for not reading :lol: :lol: . Well good luck with whatever you do Tim.

[TIM TIM TIM]

thanks alot. I need to do it quick!!! money is gone :lol:

[clear]

Oh, if you just want money for school, you can apply for any staford loan, just goto a few local banks and pick the best one, just make sure that you dont have to pay it back untill after school, and that it doesnt build interest untill after school.

[TIM TIM TIM]

im going to go into a few banks and compare between a stafford loan and a personal and what would be best for me..The stafford will be nice to not have to pay untill after school but it means my school is going to take much longer since I wouldnt only be able to do the fire acadamy 2 days a week instead of the full time 4 days.

A personal would be nice to go full time and just use some loan money to pay my bills for the 3-4 months.....

Actually, this just came to mind as I was typing. one worry with the personal is that I wouldnt get approved. I have a mid 600 score but my integra is paid off, worst case I could just get a loan on it I would assume, or use it as collateral :dunno: