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Student Finance Co

Jacqueline Said:

Can I take a loan as an International student with an Australian citizen as a co-signer?

We Answered:

No - the money must be shown as proof prior to obtaining the visa. A loan must be made in person (in the country at least). You cannot to 2 before you have 1. The Australian government does not look kindly at students who are trying to finance their studies through loans - you are supposed to already have the money through work, inheritance, or parents.

You will also not be able to be the principle applicant on a loan in Australia under a student visa, so your family would have to take out the entire loan themselves (and the amount will be as high as a home renovations - which would affect their mortgage) - no family member would be silly enough to do that.

Nancy Said:

what kind of topic should i opt for doing a project in Finance in an insurance co.i want to do in LICI?

We Answered:

Rural Insurance relating to the crops. The farmer vis-a-vis the agricultural industry.

Nathan Said:

Surely the whole student finance cost needs to be re examined if they're turning to the red light finance?

We Answered:

That's not how much it costs to study so she didn't need 2k a week just for her studies. In a society where money is the only good and the easiest (probably the only for most of them) way for young women to earn 2k a week is through prostitution then we should expect it. What i'm confused about is why this lady described herself as a sex-slave, by my definition slaves don't get paid money.

Tracey Said:

How can i get financing for a car (as a recently aged 18 yr old student) without a co-signer or credit?

We Answered:

This is a tough position, because not every young person has a cosigner. That was my position when I was your age, too. The answer is to either pay cash for the car or find a place that advertises that they don't do credit checks. You'll pay a lot more for the car/loan because they need to cover their risk. These places may be a little shady.

You can get a good-enough car for under $2500. If you can drive a manual (stick shift), you have even more options. Buying from a private person is cheaper, but it may have its risks.

The best place to try for a loan is your personal bank, but that's not always an option when you have 'new' credit. Borrow from family if you're sure you can pay it back.

You can also build up credit quickly enough by applying for a credit card. Go for major credit cards that you can use anywhere over store-specific cards. Or get one of each (don't get more than two now). Pay them off every month, and keep the balance low between payments to increase your score. Use them only for things you'd buy anyway, so you know you'll pay them off.

If you have money from your student loans after your tuition and fees are paid, use that money for regular living expenses. Don't use it for anything else. Don't take out more loans than you absolutely need, either.

This is a strange thing for an 18-year-old to think about, but you don't know what your finances will be like when you graduate. If worse comes to worst, you can discharge a car loan through bankruptcy. You cannot discharge student loans, except in the rarest of cases. That loan will follow you forever.

And when getting a new/used car, always do a ton of research into your options, into the car, and get it checked by a mechanic you know. If you don't know one, contact AAA.

Check out:
KBB.com (kelly blue book, tells you the value for specific cars and has listings)
consumerreports.org (extensively studies cars, among other things)
carfax.com (your car's history, tracked by vehicle identification number, or VIN, but it's not 100% reliable)
feedthepig.org (a great financial literacy site, will explain credit and scores and loans)

Ray Said:

how to finance a condo for college student?

We Answered:

I'd recommend your best option is to talk to a bank. Also make sure before going through an mortgage your bank covers loans for a condo. Banks such as Suntrust do not handle loans on condos. They can provide you with all the options offered to get pre-approve for a loan/second loan. Most banks will require 10% down lately though.

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