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Non Federal Student Loans

Christopher Said:

Is it possible to consolidate a non-federal student loan?

We Answered:

call your lender and ask.

Margie Said:

Looking for non-federal student loan that doesn't require employment or a co-signer and has deferment.?

We Answered:

Stay away from loans as much as you can. You have no idea how burdensome it is to pay them back once you leave school.

There are tons of scholarships that go unclaimed each year. Many $400, $500 or $1000 scholarships never even get applied for because people think it's chump change and not worth applying for. Well, get a few of those $500 scholarships and it'll really make a dent in your tuition bill.

People make the mistake of looking for one big scholarship to pay for everything when they should be targeting smaller scholarships that are more regionalized or specialized to their intended field or reflect something unique about them (son of Italian policeman, daughter of registered nurse, etc). Everybody goes for the big scholarships, the competition for those is much higher and your chances are smaller of getting it. Research and apply for anything and everything you are close to being eligible for no matter how small the scholarship.

Do a search on scholarships, search your major, your ethnic heritage, your town, your parents employers, your employer, hobbies, high school, local Chamber of Commerce/Rotary/ Lion's Club etc. Left-handed? There is a scholarship out there for you! Older woman returning to school? There are scholarships out there for you. Do combined searches on more than one criteria "hispanic women aviation scholarships" etc.

Go to the library and ask the reference librarian for a reference book on scholarships. They usually have more than one. There are all kinds of scholarships out there, you just have to start applying yourself and make it your summer career to send out letters everyday for scholarships. Good luck!

Philip Said:

If you declare bankruptcy, are non-federal student loans included?

We Answered:

Nope. ALL student loans are exempt from being discharged via bankruptcy. This means even private student loans CANNOT be discharged.

Greg Said:

SO how can the economy be jolted if my stimulus is paying back taxes and non fed student loans?

We Answered:

It's an election year ploy to get you to vote Republican. After all Bush is the republican who insisted on the "stimulus."

Such a waste -- it will cost the government about $300 to issue each $600 check. So the real cost to the people will be $900 per account. TUT, TUT!!! Such election year posturing will fool many -- hope not you.

Mitchell Said:

If i have bad credit and no co-signer what kind of non-federal students loans can i get?

We Answered:

Those would be hard to come by. Most conventional loans require a co-signer especially for someone with less than perfect credit. Are you already getting Stafford loans? Neither the subsidized or unsub Stafford loans require a co-signer, only 2 references. Plus, Stafford loans have much lower interest rates than conventional loans.

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