• Need student loan. No cosigner. Bad credit.?

    Basically my mom left me on my own when I was 18. She followed her addiction to New Mexico and left me here in NJ. I m 23 and I m picking up the pieces. I need 45k to go to school. I have a 625 credit score. I work full time as a bartender and part time in real estate. And I have no cosigner. Point me where to go... show more
    Basically my mom left me on my own when I was 18. She followed her addiction to New Mexico and left me here in NJ. I m 23 and I m picking up the pieces. I need 45k to go to school. I have a 625 credit score. I work full time as a bartender and part time in real estate. And I have no cosigner. Point me where to go to get this loan.
    21 answers · 2 weeks ago
  • I applied late as a non-dependent on my fafsa, now I might not get any grants for fall, what should I do?

    First I turned in the fafsa on time though I was missing one signature from my parents so I had to resubmit it, sadly I didn't see that they emailed me about it until a week after the due date, now they want to verify me if I'm an actual non-dependent, and they said I probably won't get grants for fall.... show more
    First I turned in the fafsa on time though I was missing one signature from my parents so I had to resubmit it, sadly I didn't see that they emailed me about it until a week after the due date, now they want to verify me if I'm an actual non-dependent, and they said I probably won't get grants for fall. Does that mean I might be able to get grants for the other quarters? because they have my aid package. I know I will at have to borrow $3000 in loans for the quarter which could be worse but I'd rather not, since last year I had no trouble with it and had grants and was able to not ask for any loans. But I messed up big time by turning it in late since now they still need to verify me for some reason, since before I never filed as a non-dependent I don't fully understand. My parents don't file me as a dependent anymore and I don't really live with them, but they still give me money for school, anyways now they want me to give them my tax information when I've never worked. I do have a job though this year when I start school on campus, but I'm only allowed to work 20 hours a week making 11.50 an hour. My school says online they're still determining whether if I can obtain grants or not, at least thats what it said on my student account, so I don't know what to do, also what do I do if they want my tax information when I haven't ever needed to file any?
    5 answers · 3 weeks ago
  • If I recieve full financial aid (FASFA) can I take out an additional loan to cover living expenses?

    I am a freshman at my local community college. I currently have a child so I am ineligible to live on campus - I work part time but still recieve full financial aid. My financial aid covers all of my classes/textbooks. However, the cost of living in my state (NY) is extremely high and a part time job simply... show more
    I am a freshman at my local community college. I currently have a child so I am ineligible to live on campus - I work part time but still recieve full financial aid. My financial aid covers all of my classes/textbooks. However, the cost of living in my state (NY) is extremely high and a part time job simply isn't cutting it. I don't recieve any government assistance other then Medicaid. Currently, I am living with another person however that person has the intent to take my child due to my inability to financially care for her. I buy all of her essentials but do not make enough for my own apartment. So my question is, am I eligible for a loan to pay or help to pay my rent?
    7 answers · 3 weeks ago
  • Do you ever donate to charity?

    Best answer: Yes! I have contributed to many charities over the years. Make sure you read about the effectiveness of charities before donating!
    Best answer: Yes! I have contributed to many charities over the years. Make sure you read about the effectiveness of charities before donating!
    7 answers · 3 weeks ago
  • What does it mean for college tuition to be quarterly?

    I am looking at graduate schools to attend and I have noticed that some universities have quarterly tuition. I've never come across this and can't find answers as to how I would find a total cost of attendance. Can someone just explain how I could find the total cost of attendance for a college that has... show more
    I am looking at graduate schools to attend and I have noticed that some universities have quarterly tuition. I've never come across this and can't find answers as to how I would find a total cost of attendance. Can someone just explain how I could find the total cost of attendance for a college that has quarterly tuition if I wanted to attend the school for the fall and spring semesters?
    9 answers · 4 weeks ago
  • How do you get cigarettes underage?

    I'm 16 and cant figure out how to get some... I have money soooo
    I'm 16 and cant figure out how to get some... I have money soooo
    12 answers · 4 weeks ago
  • My dad makes to much money for me to get fafsa. Can I use my moms info since they are divorced. My mom doesn’t want me to use hers because?

    My stepdad doesn’t want to put his info on there. What should I do?
    My stepdad doesn’t want to put his info on there. What should I do?
    6 answers · 4 weeks ago
  • Parents won't allow me to study out of state?

    I'm turning 18 in two months and I'm going to finish my A.A. next summer along and I'm also going to finish high school as well. My parents refuse to let me talk about the benefits of the school I want to go to, which is in Rhode Island. They're afraid because my boyfriend and I have similar career... show more
    I'm turning 18 in two months and I'm going to finish my A.A. next summer along and I'm also going to finish high school as well. My parents refuse to let me talk about the benefits of the school I want to go to, which is in Rhode Island. They're afraid because my boyfriend and I have similar career paths and we agreed upon leaving together (we know someone we can live with and give us a job). My mom and dad won't allow it because they are afraid of me becoming pregnant and I understand their argument. They're forcing me to stay in Florida until my younger sister finishes high school which is a year after. They are threatening me and I don't know what to do. I want to continue my studies and there is a reason I pursued my A.A. so early on in my life. My boyfriend has a car already btw and his mom agreed to help us financially if its needed. I want to know how to go about doing this. I won't argue with them over the course of these next few days, but I will definitely argue them when I share my plans with them next year. I am just afraid of what they will do.
    7 answers · 4 weeks ago
  • At what point does the Fed Gov't expect the parents of a college child to contribute based upon equity?

    When my chiid begins college in 2 years we should be out of debt but our home equity should be about 5k. We've earned just a little over paycheck to paycheck income over the years. Example, if our home is worth 100k, and we have 5k equity, will they want us to take out a mortgage on that little 5k, or does the... show more
    When my chiid begins college in 2 years we should be out of debt but our home equity should be about 5k. We've earned just a little over paycheck to paycheck income over the years. Example, if our home is worth 100k, and we have 5k equity, will they want us to take out a mortgage on that little 5k, or does the Gov't expect us to do a 2nd mortgage when we reach what percentage of equity in the home, assuming no debt?
    5 answers · 4 weeks ago
  • How do I do my fafsa? If my parents have never done their taxes and are undocumented immigrants.?

    They’ve only done their taxes about a few times but none recently . I’m in the class of 2019 and I want to go to a good university but most scholarships are asking for fafsa and well I don’t know how to fill it out if my parents haven’t done their income taxes. Someone please help I’m at a lost .
    They’ve only done their taxes about a few times but none recently . I’m in the class of 2019 and I want to go to a good university but most scholarships are asking for fafsa and well I don’t know how to fill it out if my parents haven’t done their income taxes. Someone please help I’m at a lost .
    7 answers · 4 weeks ago
  • Do most people have student debt?

    Best answer: For college and probably trade school students, yes, noting that only some people get the additional training they need to do well in life. https://www.cnbc.com/2018/02/15/heres-how-much-the-average-student-loan-borrower-owes-when-they-graduate.html "Today, 70 percent of college students graduate with a... show more
    Best answer: For college and probably trade school students, yes, noting that only some people get the additional training they need to do well in life.
    https://www.cnbc.com/2018/02/15/heres-ho...
    "Today, 70 percent of college students graduate with a significant amount of loans."
    "Over 44 million Americans collectively hold nearly $1.5 trillion in student debt. That means that roughly one in four American adults are paying off student loans. When they graduate, the average student loan borrower has $37,172 in student loans."
    We can check it against educational achievement.
    https://www.census.gov/data/tables/2017/...
    246.3 million people 18+ years old
    46.4 some college, 24.1 Associates degree, 49.4 BS/BA, 20.8 MS/MA, 7.3 higher than Master's
    148 Million are in college, graduated, or dropped out of college which is 60% or 6 out of 10.
    17.9% of Adults are paying off student loans
    Data collects from various sources and certificate type training programs of less than two years are not shown.
    We do not say that "most people have student debt".

    There is a high demand for people who get trade school degrees.
    https://www.npr.org/sections/ed/2018/04/...
    30 million jobs in the United States that pay an average of $55,000 per year don't require bachelor's degrees.
    I have a friend who does construction work and is a union member and earns over $60 an hour in the San Francisco bay area. Welding, manufacturing equipment operators, automotive mechanics, HVAC, electricians, plumbers, and more very good paying jobs are available around the country.

    You need to look beyond college into your planned career and what education and training is required for that career. This is the USA Bureau of Labor Statistics Occupational Outlook Handbook
    https://www.bls.gov/ooh/a-z-index.htm
    It is good that you are going to college soon, but look at the career instead.
    Be sure that the expense and time and effort you will put in will get you the needed credentials.
    Many students get financial aid, so be sure you filled in FAFSA and seek out all possible routes as you continue your life. Note that successful people often have to move away from their home town or city. I did and retired at a relatively young age in a comfortable lifestyle with an Engineering degree and later obtained an MBA at night school while I worked days. Don't get large student loans into low paying careers or low demand fields of work. But, at the same time, do not aim for a career you will not enjoy. Remember it will be a large portion of your life.

    $40,000 in loans is a lot of money, but if earning $20,000 more per year gross pay and even net $15,000, a few years in the career pays off. Trade schools are even a faster path, but the jobs may not be best local to your family.

    A final thought people fail to realize. College also is supposed to teach you how to learn on your own. That is at least as large a value as the field of study because when you enter a job, you are still learning. That is part of the reason for extra courses outside of the concentration of study. High school had teachers feeding you information. Good colleges have professors acting as advisors of learning. Some schools have reversed the learning process where you learn when not in class, and discuss the material in class. Don't expect that class time is all that you have when in college. There is more "homework" than class time.
    6 answers · 1 month ago
  • Have you ever received a scholarship that payed for the ONE class you were taking? (If you were only taking one)?

    Best answer: It's possible, but highly unlikely. Financial aid is usually contingent on going AT LEAST full-time, and often "half-time" is the minimum to receive financial aid.
    Best answer: It's possible, but highly unlikely. Financial aid is usually contingent on going AT LEAST full-time, and often "half-time" is the minimum to receive financial aid.
    4 answers · 4 weeks ago
  • Is age 21 too old to switch career paths?

    Best answer: Hmmm....you probably have in excess of 40 more years in your career path, so you tell me - do you want to spend that much time doing something you already don't like? I think you should find a job you can love. It's going to be a big part of your life. You are definitely not too old to go to college and... show more
    Best answer: Hmmm....you probably have in excess of 40 more years in your career path, so you tell me - do you want to spend that much time doing something you already don't like? I think you should find a job you can love. It's going to be a big part of your life. You are definitely not too old to go to college and enjoy it.
    11 answers · 1 month ago
  • How many scholarships can you apply for?

    Best answer: As many as you want. My daughter applied for several hundred of them and received over $90,000. There are some that you can apply for now, but the majority of them are aimed at seniors in high school who are planning to go to college the following year. Because there are thousands and thousands of scholarships... show more
    Best answer: As many as you want. My daughter applied for several hundred of them and received over $90,000. There are some that you can apply for now, but the majority of them are aimed at seniors in high school who are planning to go to college the following year. Because there are thousands and thousands of scholarships out there, you can't possibly apply to all of them, so the trick is to focus on those that are the most likely to pay off for you. That means a lot of research, which you can start working on now. Start with local organizations such as local businesses and clubs. These tend to be small, but you're much more likely to win them because you're competing with fewer other applicants. Also look for organizations that are looking for criteria that you have to offer: race, ethnicity, religion, field of study, sexual orientation, hobbies, employment, family military service, etc. Keep in mind that it's not what you want and need--it's what the donor wants and needs, so learn to identify that and tailor your applications to that. In general, donors are looking for students who have 3 things: 1) good (but not necessarily stellar) grades, 2) A clearly defined goal for what you want to accomplish in college and a career, and 3) a resume of quality extra curricular activities that support your goals. A few well targeted activities that you participate in over time are better than a long list of things that you only participate in occasionally. Your activities should be closely aligned with your goal, show qualities like leadership, initiative, creativity or persistence. They should also involve some level of community service. For example, if you were planning to become a teacher, you would focus on extra curriculars that involve working with kids, and spend less time on things like sports that don't have anything to do with teaching. You're smart to be thinking about this now, because you still have some time to work on building up your scholarship resume (which also helps you with college admissions). So, while you won't find that many scholarships you can apply for now, you can certainly be researching what kind of career you would like and start getting involved in activities that are connected to that. You can also be learning about how to select the right college and how financial aid works so you won't need as many scholarships. Think of it like a part time job and set aside time every week to work on it, just as you would if you had a job. After all, you wouldn' t expect to get paid if you didn't show up for a job, would you? There are lots of things you can do to improve your scholarship applications, and there are lots of books on the subject, so it's a good idea to invest in a few of them.(A good one to start with is Ben Kaplan's How to Go to College Almost for Free. Another one is Tim Higgns' "Pay for College Without Sacrificing your Retirement" ) Most people wait until their senior year when they're so stressed and overwhelmed that they make poor choices. By working on this now, you can be much more successful when the actual time comes to make those choices. Good Luck!
    11 answers · 1 month ago
  • Bills due?

    I've without notice lost my job. I have a light, water bill plus rent that's staring deep into my soul. I'm panicking as I have no funds to pay them. Can someone please point me in the right direction to apply for a grant to pay bills. I've been trying to Google it but keep being redirected to... show more
    I've without notice lost my job. I have a light, water bill plus rent that's staring deep into my soul. I'm panicking as I have no funds to pay them. Can someone please point me in the right direction to apply for a grant to pay bills. I've been trying to Google it but keep being redirected to personal loans you have to pay back. I can't pay it back. Please anyone help with the accurate information
    4 answers · 1 month ago
  • Can I switch semesters in college even when i haven started yet?

    My classes start Fall 2018 but I was thinking to switch to Jan 2019 instead because of financial issues other personal things.
    My classes start Fall 2018 but I was thinking to switch to Jan 2019 instead because of financial issues other personal things.
    6 answers · 1 month ago
  • Higher Education: What do I say?

    Best answer: Your advisors are there to advise you. You would think that someone in a doctoral program would know that. Maybe you should have an adult conversation with your advisors and ask for some advice based on your situation. I can't possibly imagine how getting an answer from anonymous people on the internet could... show more
    Best answer: Your advisors are there to advise you. You would think that someone in a doctoral program would know that. Maybe you should have an adult conversation with your advisors and ask for some advice based on your situation.

    I can't possibly imagine how getting an answer from anonymous people on the internet could benefit you in any way.
    6 answers · 1 month ago