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Vickie Said:How hard is it to get student credit/loans from banks?
We Answered:It is very east to get student loans. Most loans will allow you to sign off on it yourself.
Bessie Said:Why am I no longer qualified for student loans from banks? what should I do?
We Answered:I think it is a combination between you having too much debt and the economy tanking right now. I know other people who have applied for loans and been denied who also have really good credit. The banks are just not lending right now and are not taking any chances. If you have accrued a large amount of debt then the banks also take this into consideration.
Shawn Said:Why did the government take all student loans away from the banks?
We Answered:The government didn't necessarily 'take student loans away from banks'...they merely discontinued a program where students would go to banks to take out FEDERAL student loans....now all federal student loans are taken out directly from the government (called Direct Loans) so banks no longer need to act as middle men. Banks can still offer their own student loans (called Private Student Loans) but they no longer administer federal loans.
As a person who took out federal loans directly from the federal government, i can tell you it is much easier doing it this way than going to a bank. You work directly w your lender (the gov't) and don't have to worry about being harassed by a bank who always have an ulterior motive (usually trying to get you to take out private loans you don't need).
All in all, the amount of federal student loans you can take out hasn't changed, the interest rate has dropped, and there is no longer the unnecessary middle man in the picture. I think people are making a big deal out of this solely bc they hate Obama and anything he says, touches, or does...
Cody Said:Is it possible to consolidate student loans that come from different banks? And how would I do that?
We Answered:Practically any type of loan can be wrapped into the debt consolidation process. Common types include finance charges, late fees and overdraft charges, credit cards, personal loans, utility bills, medical bills, car loans, store cards, gas cards and back taxes. A debt consolidation loan<!--allows you to condense your monthly payments into a single, simple bill, while lowering your interest rates and helping you pay down your debts more quickly and easily. It is also an essential tool in avoiding the much more serious step of declaring bankruptcy.
Unlike bankruptcy, in which debts are cancelled and your credit rating collapses completely, debt consolidation loans are essentially a type of refinancing, where several-->old loans are replaced with a new one that has more favorable terms. Your loan consultant will negotiate with creditors on your behalf, so you’ll no longer have to deal with harassing phone calls and daily mail.
Mario Said:Can students get loans from banks even they make no income?
We Answered:You should first try Stafford loans and Perkins. Banks have stricter requirements so you will probably be denied.
Sherry Said:Can foreigners get student loan from banks in Thailand?
We Answered:Learners from poor families who need to have a higher education will normally have to acquire a loan from financial institutions in order to get an education. The government, through the local banks will advance such credit to students and have them pay them off once they have started earning. This may sound good but not until the former student is unable to pay off such debts.
This is due to the high interest that such loans end up attracting making, it impossible for such a person to pay off the debt. Sometimes the student may stay for long before he can get employment, meaning the amount to pay continues to escalate. In cases like these, the debtor needs to get student loan help in order to keep abreast with such debt.
Darren Said:when getting student loans from a bank does the money just go into your bank account?
We Answered:The money will go directly to your school first. Then after your tuition and fees and other school costs are taken out you will get issued the excess (if any). Yes, you can use it to buy a computer.
replique montres said:
Yes, you can use it to buy a computer.
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