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Student Loans Nc

Marie Said:

Will I have a problem getting student loans?

We Answered:

It's very good its a 0. Congrats!!
No one on here can tell you how much aid you will get. It's all up to your school.

FAFSA works like this:
Your EFC (Expected Family Contribution) is a number that FAFSA, when they process your application, they give to your school. That's all they handle is processing your application.
Now, its all up to your school.
After they process your FAFSA, they send your school of choice a Student Aid Report (SAR). On the student aid report will have all the aid that you qualify for as well as all your information. Your school will tell you if you qualify for the Pell Grant along and Stafford Loans (which you will).
Your school will have a set amount that they give each student with whatever their SAR says. Since you got 0's for your EFC will recieve the maximum amount of financial aid the school will give out.
The lower the EFC, the more Aid you get.
Your school should send you an Award Letter stating how much you will recieve on your Financial aid, Pell grant, anyother grant that you qualify for, and how much you are aloud to borrow in federal loans that they can give you.
With an EFC of 0's.. you also qualify for a Pell Grant that is in the amount of $4,731 on top of your financial aid you recieve from the school...
Contact your school financial aid and make sure they recieved your SAR (mine didn't and I'm very lucky I called). Also talk to them about any other outstanding questions you might have, along with when you may recieve your Award Letter from them with all that information. You may also ask them how much you will recieve from financial aid if you get the full amount to maybe give you an idea on how much you'll recieve.
As a part time student, you will not recieve as much as a fulltime. Your school has a set tuition, and it kind of goes off of that.

Next, ask your financial aid office what kind of scholarships they offer to you. You can usually apply for them at the office, or they may have applications you can print off of the internet and send in to them. I would do this quite quickly as well, because deadlines are comming up.
Contact local clubs, businesses, and even your boss (if you work) to ask if they have any avaliable scholarships you may qualify for. Places like these like to give scholarships because they can use it as a tax write-off on the following year taxes.
Also, your local library should have all the information you need on whats avaliable as well.

Lastly, when you have your award letter and know how much you will be recieving for aid, you can talk to your financial aid adviser about student loans. There are federal student loans out there that are very helpful and low in interest to no interest at all.
http://www.salliemae.com/get_student_loa…

that's the most informational website about federal student loans. I would start there, and if you need more, you could go to a private student loan provider. but first, they have wayyy better interest rates and everything else.

check with your financial aid office, they'll have very good references on student loans as well. They actually can probably provide you with a loan through them.

Hope this helps!

Laura Said:

DOES BEING A PERMANENT RESIDENT QUALIFY ME FOR A STUDENT LOAN AND GRANT?

We Answered:

Yes. See the info below.

From the FAFSA FAQs web pages: http://www.fafsa.ed.gov/faq003.htm

Who is eligible to receive Federal Student Aid?

To receive federal student aid, you must meet certain requirements. You must:

* Be a U.S. citizen or eligible noncitizen.
* Have a valid Social Security Number (unless you’re from the Republic of the Marshall Islands, the Federated States of Micronesia, or the Republic of Palau).
* Be registered with Selective Service if you are male and 18 to 25 years of age (go to www.sss.gov for more information).
* Have a high school diploma or a General Education Development (GED) Certificate or pass an exam approved by the U.S. Department of Education.
* Be enrolled or accepted for enrollment as a regular student working toward a degree or certificate in an eligible program at a school that participates in the federal student aid programs.
* Not have a drug conviction for an offense that occurred while you were receiving federal student aid (such as grants, loans, or work-study).

Also:

* You must not owe a refund on a federal grant or be in default on a federal student loan.
* You must demonstrate financial need (except for unsubsidized Stafford Loans).

Other requirements may apply. Contact your school’s financial aid office for more information.

Toni Said:

Student loans. / pell grant...?

We Answered:

The full Pell grant amount for the year is $5,550, not $5,500. And you only get this amount if you attend in BOTH the fall and the spring semesters. Since it sounds like you did not attend in the fall then your school will only get half that amount... $2,775 for the spring semester.

You have already filled out the fafsa, and that is the starting process for a student loan. What you need to do is simply go to the schools fin aid office and tell them you want a loan also. You will be eligible for a federal Stafford loan. You won't need to take anything to their office (unless they have asked for more info from you). Some FAFSA applications are selected for verification and that means you have to turn in your tax forms and your parents tax forms if their info is on the fafsa.

Taking out a loan won't reduce or effect your Pell grant at all... now or in the future.

"default on a school loan" means you have taken out a student loan in the past and failed to make payments on it when they finally became due. It takes a long time to get into default.. something like 2 years of missed payments.

The amount you can borrow in stafford loans depends on your grade level and your dependency status. Also the amounts quoted in this book (as most places you see them quoted) are based on the year. Again, since you didn't go during the fall, the amounts quoted to you should be cut in half. Example: Dependent freshman can borrow a max of 5,500 in federal Stafford loans. The amount you can borrow would only be half of this.... which sure isn't going to get you a very good car. Anything you buy in this price range is doing to be scrap metal long before you even start paying on that loan. LOL I'd hate to see you borrowing money for something you won't even have when you graduate.

Jamie Said:

I have worked for the State of NC for five years. Do I qualify for student loan forgiveness?

We Answered:

You may qualify for a new program. Check out: http://studentaid.ed.gov/students/attach…

Ramon Said:

Does anyone know of a good student loan office in NC that has reasonable rates?

We Answered:

Hello. How are you? Many students have had good results using the information provided at How-to-get-a-student-loan.com. They have information concerning every aspect of student loans. I hope this helps you. Good Luck!

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