Clifton Said:

Need to get student loans, ideally by applying online tonight. Not sure where to go. Credit issues.?

We Answered:

I am not sure how your school handles financial aid but if you can apply for financial aid then do so right now. You an independent, single mother so I imagine your income is low and this should help with how much financial aid you receive. I am a different major but in a similar situation. I get half my tuition paid for by grants through financial aid (meaning I never have to pay that money back) and then I got loans for the rest which were subsidized by the government. Which means they pay the interest while I am in school and I am locked in on a certain rate. So if I pay off the loans in full before I graduate or in my six months deferred time I only pay off the loan and ZERO interest.

School loans are usually the easiest to get and they are pretty nice about the rates and paying it back. Try to get them through the government not through a private loan. Maybe someone who knows more about how to finance a nursing degree can help but I would think there are plenty of grants for you and subsidized loans. Visit the financial aid office of your school and see what your options are they should help you out since this is their job. Hopefully someone else also knows of scholarships/grants you can apply for. I would look around at fastweb.com they usually have information up on scholarships. I would think they have nursing programs where they actually pay for your entire education and you have to take out no loans at all. I don';t know much about that though, sorry. Definitely find a school and talk to them about this. They will help you the most.

Jill Said:

Where do I go, EXACTLY, online, to apply for a deferment of Stafford Student loans?

We Answered:

You would want to contact your servicer or lender. They can get you the deferment paperwork you need (if you even need to fill anything out). That number the person put down is just for Great Lakes Servicing, so unless they are your servicer you wouldn't want to call them...

Bessie Said:

Where do I go to apply for student loans?

We Answered:

- http://www.ed.gov/programs/fpl/index.html
- http://www.finaid.org/loans/studentloan.phtml
- http://www.fafsa.ed.gov/

Sherri Said:

Can I apply for a student loan if I attend a online school?

We Answered:

If you're school is properly accredited, they should have be eligible for Title IV funds (including student loans)

If you are not seeing it, it may either be the site you are visiting has an incomplete list, or your school is not accredited.

Samuel Said:

Can I just walk into a bank and apply for a private student loan?

We Answered:

You will be approved for a Stafford student loan through your school's aid office, so don't be concerned about that. If you need additional funds and need to go through a private loan program, your best bet is to go through the lender websites. Many of the large lenders have centralized their student loan programs where they aren't handled out of the local branch. Stick with the websites, fill out pre-approval forms to see who offers you the best deal, and then work with that lender.

Most lenders offer a pre-approval form on their websites. It's not actually a promissory note, but a way for them to review your information to see what type of loan you can be offered. For example, they might check your credit report and decide you can be offered a loan at X% interest, or suggest you apply with a cosigner and then your interest rate will be Y%. It's only a promissory note if you actually sign on the bottom line.