Question: #1: Student loan?
I know I'll need to get a student loan sometime during my university studies. I was just wondering how they work, what you need to get one and how long you have to pay it back. Any extra details would be much appricated.P:S I am a planning on studying in the U.S but I live outside the U.S.
- asked by Alex K.
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Question: #2: student loan?
i am 18 in college and i am thinking of getting a student loan about $3000 for personal consumption..what should i need to get one? thanxcan i spend these money for other consumptions rather than educational?
- asked by deny89
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Question: #3: Student Loan?
Hi everyone.About 7 years ago, i took out 2 student loans for 2 courses, and didnt complete either of them. I moved to Sydney and now have decided to move back to NZ this year. I was thinking about finishing off my studies, but was wondering.. do i have to take out another student loan or can i just go on the fact that i was approved for the last loans, which im already trying to pay back. I dont know if i'd want to pay bak another 9k ontop of my 23k i already owe :sAny help will be appreciated.. thanks!
- asked by Jessamine B
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Question: #4: STUDENT LOAN?????........................?
Hey so I'm currently in Grade 12 and I want to be a Commercial Airline Pilot. I already went to the Flight school and it was very nice but it cost 35,000 O.O........................I mean is a student loan a safe way to go because the interest can really add up.
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Question: #5: Is student loan still tax deductable when refinancing a student loan with a personal loan?
My daughter has two very high interest student loans. Her credit won't let her do anything, but I can "refinance" it with me getting the loan using my credit. But is it still a "student" loan that she can deduct. She is making the payments and her name will be also on the loan (ironically, she will co-sign for me). This seems to be some gray area once the loan gets moved around. Just want to make sure the "chain of custody" still makes the new loan interest tax deductable. Hope this made sense and thanks for your help.
- asked by Andrew M
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Question: #6: What Loan company will take over my federal student loans when the loans are in default?
What Loan company will take over my federal student loans when the loans are in default so I can go back to school?My loans are government loans from Saillie Mae. I owe them under $5000.I heard about this company that will take over your school loans from them but I don't know the name of the company.I am at the point where I can't get a federal student loan until I pay this off.
- asked by Dat_1_Chiq
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Question: #7: Does a student loan and a bank loan affect your credit the same way?
I have one credit card ( revolving credit ) and I have one student loan ( fixed monthly payments ). I want to keep one revolving account and one fixed account. Would a bank loan that pays off the student loan look better as a fixed loan? I guess my question is: Do they both count as fixed loans or is the bank loan a more "authentic" fixed loan?
- asked by videogamer1979
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Question: #8: What Loan company will take over my federal student loans when the loans are in forbearance?
What Loan company will take over my federal student loans when the loans are in forbearance so I can go back to school?My loans are government loans from Saillie Mae. I owe them under $5000.I heard about this company that will take over your school loans from them but I don't know the name of the company.
- asked by Dat_1_Chiq
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Question: #9: If I consolidate my student loan with a personal loan can I still write off the interest?
I had a federal student loan which I consolidated about 8 years ago to someone who eventually sold that loan to Citibank. I pay about 8.35% in interest. I am considering paying off that student loan with a personal loan where I can get a better interest rate. If I do this will I still be able to write off the interest I pay on my taxes?
- asked by MLE
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Question: #10: How to stop student loan wage garnishments if you agreed to make default payments?
I recently defaulted on my student loan and contacted the student loan company to before they started garnishing my wages. I agreed to a reasonable monthly payment and made the payments on time when I noticed that my wages were being garnished as well. I contacted the student loan company several times and they kept saying that they would remove the garnishment and that my employer had recieved the paperwork. I contacted my employer's payroll and the stated that they never got the paperwork and I should ask for a copy myself to fax it in myself just in case. The student loan company wouldnt give me a copy of the garnishment letter to the employer and claimed to have faxed the paperwork in. It has been 4 straight pay periods and nothing has been done meanwhile im still making monthly payments directly from my bank account. Is there anyway to stop this? PS: I dont need smart remarks about you should have paid in the first place, i know that much but i couldnt afford to at certain points.
- asked by workingmywayback
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Question: #11: Student loan for Canadian students who want to study in Romania?
Hi, I am currently a second year university student in Canada. I am planning to go study in Romania next year. I was wondering is there any kinds of student loan out there that will lend money to canadian students who wants to go study in Romania? Thanks alot!
- asked by caroline
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Question: #12: How does a student loan affect your credit?
I have a student loan that is about 50K. I am making payments on it but I am on the income contingent plan and every month I get a statement showing that what Im paying is not enough to pay even the interest, so the balance is higher every month. Does this negatively affect my credit, I pay every month on time but I want to know if this will affect my credit. Does the 50K count towards debt to available credit ratio also. How does the student loan affect credit ratings?
- asked by FuzzyLizard
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Question: #13: Can student loan interest be used as a tax deduction if the loans are indeferment/forbearance?
I know that student loan interest can be deducted.My student loans are all either in deferment or forbearance. I'm accruing interest on some of them, but I haven't actually paid any interest yet. Can I deduct the interest that accrued?Thanks!
- asked by AG
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Question: #14: What happens when a student loan is cancelled due permanent disability, but the student isrehabilitated?
When a guaranteed student loan is discharged and later cancelled due to what is considered a total and permanent disability but many years after the cancellation of the loan the individual is rehabilitated and able to return to the workforce with the necessary aid and support for their disability what happens to the student loan? I've been told that once a loan is cancelled it no longer exists, and I've been told that if the individual is able to return to the workforce the loan is reinstated. Which, if either, is correct? What is the answer? (I'm talking about in Oklahoma.)I can find plenty of links, just no answer. Please don't leave a link, if you don't know then you just don't know.
- asked by dressed_2_kill_2008
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Question: #15: Is student loan debt taken into consideration when a landlord approves a tenant for leasing anapartment?
I'm a recent college graduate with a steady income and a student loan that is not in default. I'm looking to lease an apartment, and I heard that landlords are not allowed to count student loan debt against a person when evaluating their credit and debt. Is this true?
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Question: #16: How does student loan debt affect my credit score?
I am at the final stage of paying off credit card balances. Just one more month, yippee!!!! I've also already paid off my car loan 7 months before the maturation date. Anyway, I still have close to $50,000 in student loan debts- federal and private. But that's it. I have never had any major credit problems. Will all this student loan debt have a negative impact on my credit score and rating? I always make the payments on time every month.
- asked by Fly girl
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Question: #17: Can student loan interest be an itemized deduction on your taxes?
The Student Loan Deduction allows you to deduct up to $2500. In 2007 I paid well over $2500 in interest and obviously want to take advantage of this.
- asked by msphenom83
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Question: #18: What is a good loan consolidation program for Federal and Private student loans?
I am looking for a good student loan consolidation program that will take on both my Federal and Private student loans from Sallie Mae. If you know of any good ones that you have heard of or used in the past, please leave a description or website so I can look into it. If you are a loan company, don't bother answering the question as I will mark it as Spam. Thanks.
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Question: #19: Is a student loan with citibank eligible for loan forgiveness?
I currently have a student loan with citibank. I am hearing about the loan forgiveness programs for teachers (I teach special education). The things that I have read say it has to be a direct loan, and I am having trouble figuring out if I might qualify.
- asked by lisbell0115
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Question: #20: What kind of loan can I get to consolidate private student loans?
I have $100,000 in private student loans from two lenders. The interest rate is over 10%. Is there a way to get another loan to pay this off at a lower interest rate? What kind of debt consolidation program should I consult? Most student loan companies only deal with Federal loans it seems. I keep seeing ads for mortgage loans with low monthly payments-- is there something similar I could get for a personal loan? THANKS!
- asked by bbrrpf
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Question: #21: How can a student with bad credit go about getting a good student loan for University college?
I am a student going to a community college on full scholarships. However, next fall I am planning to go to Mississippi State University. My problem is, even though I am only 19, I have already defaulted on a loan and stopped payments on a cellular phone contract. My credit isn't even good enough to get a Wal-Mart card anymore. I am trying to get a hefty student loan to pay for my school expenses in my quest for higher learning. I would get a co-signer but no-one in my family has a good credit score either. So how would someone in my position go about getting a good loan for college?
- asked by ionic_mind
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Question: #22: How can I get a student loan without a cosigner or any credit?
I need a student loan for around $15,000 and everywhere I apply I get denied because I have no credit. Then the application says I need a cosigner in order to qualify, which I dont have. Are there any private loan lenders that can give me a loan without a cosigner and no credit?
- asked by midway456
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Question: #23: How long after the delinquent student loan is paid off, can i apply for another one?
i have a delinquent student loan that is being taken out of my check and is wondering how long after the delinquent student loan is paid off can i apply for another one...or am i not eligible for one anymore?
- asked by love180
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Question: #24: Can I claim my Canadian student loan interest on my US taxes?
I have Canadian (government) student loans (in Canadian dollars) which I am still paying back from my Canadian bank account whilst I live and work in the US. Can I claim my student loan interest on my US taxes?Also do I claim the amount in Canadian dollars?
- asked by galaxyy
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Question: #25: How soes taking out a student loan work?
I'm planning on starting college soon. I'll need some money. Do I go to the college and ask for a receipt of the estimated costs? Does the bank need a receipt? What should I bring to the bank for4 taking out a student loan? Are the interest rates for student loans high? Sources?
- asked by Ron Paul 2012!
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Question: #26: How do I get a student loan for living expeneses?
I am trying to get a student loan, because I need to be able to pay for an apartment and need to get a new vehicle. I am working but I'm only making minimum wage and its not enough. How do i get a student loan that will send me the money instead of the school?
- asked by jellojiggler03
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Question: #27: How many student loan places should I apply to?
I've already applied to Discover, Sallie Mae, PNC, and Wells Fargo. Is that enough places? I wanted to apply around to get the best deal but applying for a student loan takes hours and the deadline for payment is in two weeks. Is four enough or should I try more?
- asked by Kei
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Question: #28: Student Loan - What is the easiest student or personal loan to get without a co-signer?
I need to get a loan to be able to go back to college, however neither of my parents have any credit and I can not find a co-signer. This means I'm on my own and I unfortunately do not have much credit. What is the easiest, personal or student, loan to be approved for without a co-signer? Thanks a lot!
- asked by Sandy Girl
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Question: #29: What does a student loan company like Stafford do to co-signers? Do they get notified of the loan ifsomeone?
What does a student loan company like Stafford do to co-signers? Do they get notified of the loan if someone takes one out and uses them as a co-signer but pays it back right away? If so, how? I joined the army so I get loan repayment.
- asked by rbcny9
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Question: #30: How EASY is it to receive a student loan after being awarded money from my financial aid package?
I have already received my financial aid award from the university I I'm attending in the fall. The problem is that my award with Federal grants, subsidized, and unsubsidized loans did not cover my cost of attendance. (also my parent plus loan got denied) How easy is it to go outside of their package and get a loan from some other bank such as wells fargo or something? Is wells fargo likely to give out student loans?
- asked by Ryan c
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