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Fearing for the Future

Wed, 03/31/2010 - 05:25 | by Silvoul

Firstly I would like to say; greetings to everybody reading this entry. My name is Nicholas and my story is probably not as terrible or sad as many others. My want or goal in writing this is not to depress or to acquire sympathy or pity. I sincerely hope that my story helps someone, anyone, when dealing with all this loan hub-bub.

Unique ways to avoid relying on student loans

Mon, 02/23/2009 - 21:50 | by Aliceone

Borrow from family or friends
It may be tough to ask, but if you have a good relationship with a family member who has available cash, why not make them an offer? Be sure to do your homework before you meet. Being able to present a list of potential expenses from tuition to lab fees may show how dedicated you are to your pursuit and how serious you are about money.
Before you meet, ask yourself what form of repayment you can offer and at what interest rate. Decide whether you can begin to repay immediately or if you need to ask that person to wait until your graduation. Treat the agreement as a contract. Draw up paperwork and keep a record of your payments.

Take the first step toward your future

Thu, 02/19/2009 - 02:05 | by Aliceone

A portion of the burden that accompanies the actual debt of student loans is the helpless feeling that can come with being overwhelmed by repayment issues, paperwork, new information. There can also be guilt over carrying such a load either by yourself or into a relationship. There is no need to belittle yourself or feel unhappy about choices you made in the past. It is time to embrace the future and to begin to move forward.

Today is the day you can begin to take charge of the rest of your financial life. Your student loans are an excellent place to start.

Lower Payment Programs

Fri, 02/13/2009 - 00:43 | by Aliceone

I must admit that until I became desperate for a solution to my own financial crisis, I had no idea how many programs are available to help those of us who struggle under the weight of student loan debt and large monthly repayment requirements. The lenders do not make this information readily available. They have no reason to do so if there is hope you will pay them or they are not mandated to do so by the government.

How to Decide if a Student Loan is Right for You

Tue, 02/10/2009 - 01:32 | by carole.vansickle

While going into debt is never a good idea if you have any other options – and it’s frequently a bad idea even if you think that you have no other alternatives – the fact of the matter remains that students are still going to take out student loans. Advisors, counselors and financial aid offices are still going to push that paperwork and the ensuing debt at you with a friendly smile and the assurance that it will give you so much more time to work on your school work. That internship (paid in credit hours) is still going to beckon you with promises of job-related experience, and those meals out instead of in the dining hall are still going to look oh-so-tasty. And, more practically speaking, the desire to take a full credit load, study your butt off and get out of school rather than going part time and working a fulltime job on top of it is always going to rear its extraordinarily practical head, reminding you that the sooner you’re out, the sooner you’ll be able to pay all this back.

In short, at some time in your college or post-graduate career, you will consider a student loan. Here’s how to make sure you make the right decision when that happens:

My Story, Part Two

Thu, 02/05/2009 - 22:16 | by Aliceone

With the exception of these loans, I have become somewhat financially sound. I paid off everything else I owed except my house. And I'm not flush with money by any means. I have never owned a new car and likely never will. I have no children. I work hard, but I can barely support myself and try when I can to save a little for emergencies. I have a much older home with a reasonable monthly payment and decades to go before it is paid off. I live in a rural area which requires a long commute to a town of any size and with little access to jobs. I got sick and even with health insurance I burned through a chunk of my 401k to cover the bills. I don't go out or to concerts. I don't eat expensive food except what is required by my special diet.

My Story, Part One

Thu, 01/29/2009 - 00:49 | by Aliceone

I have over $65,000 in student loan debt. It didn't start out at that amount, but built gradually over the years. I don't think about it daily, but I never forget it is there.

Throughout my time in public school, I was aimed toward college. I worked as hard as possible to achieve, to add extra curricular activities to my list, to prepare myself in every way I could to head to college. In my senior year, just before graduation, my mother came to me and told me there was no money to send me to college. I was angry. I felt cheated. I always knew we were poor, but there had never been a conversation about this, not during any of the time prior, not during all that work I was putting toward success. I insisted I was going to school, I didn't care how, but I would find a way.