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Undergraduate Student Loans
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Darrell Said:Who provides the *BEST* Private Undergraduate Student Loans?
We Answered:They are all different and will all give you a different rate depending on your credit history and/or that of your co-signer. But a good bet is your bank, they usually have lower rates because they require you to have established yourself there for some time before you can get one.
Carlos Said:Citi Undergraduate Student Loans?
We Answered:Student loans go directly to your school to pay for your tuition and fees and if you have any money left over the money is given to you. But you will not get the excess until 4 weeks after the semester has started. (this is the law). If you want a laptop before then, then you are going to have to pay for it yourself.
Gene Said:I'm in need of a crash course in undergraduate student loans?
We Answered:The first thing you need to figure out is if that school in Canada is eligible to receive USA federal financial aid. (most schools out of the country are not.)
I just looked it up here:
If this is your school:
845 SHERBROOKE STREET WEST
Federal School Code: G06677
Then you are in luck!! That school is eligible to receive USA federal financial aid. SO..
THIS IS WHAT YOU NEED TO DO NOW:
Apply for federal aid NOW at
Many students have already applied. So you need to do this quick. This is the beginning process of taking out federal student loans. You will qualify for the federal Stafford loan in the amount of 5,500 as a dependent freshman without a cosigner.
If you want to borrow more money that this you only have 2 other options.
1. Federal Parent PLUS loan (but this doesn't seem likely since the folks are refusing to pay for your school.)
2. Private student loan. Since you are attending an out of the country school, you may have a little difficulty with this. Best visit Sallie Mae and check out their private/alternative loan options for you.
Read this book cover to cover.
It will explain the different types of student loans for you. I would warn you not to borrow an excessive amount in private student loans because you should be able to attend school on federal loans only. If at all possible, keep from taking out private loans your first two years of college. Maybe you can convince the folks to take out PLUS loans for you your first two years and you do the Private loans your second two.
Hope this helps.
Michael Said:Are student loans in deferment counted against you when appying for mortgage?
Yes, mortgage lenders will consider your students loans when evaluating your mortgage application. One of the factors in evaluating your qualification for the mortgage is your debt-to-income ratio.
Think about it - it's not your income that's important - the lender wants to know how many monthly obligations you have OTHER than your mortgage.
Your loans may be in deferment now, but they're not staying in deferment forever. At some point, you have to make the monthly payment on those and on your mortgage, your real estate taxes, your insurance, etc. (Plus all of your other monthly expenses)
I'm guessing - since you've been in graduate school for a while - that your loan debt is not insubstantial - so your monthly payments may represent a pretty decent sized financial obligation. Your mortgage lender will certainly want to take a look at that.
Do student loans mean you won't qualify? Of course not. If they did, few people in this country would be able to buy a place of their own until they'd been out of school for 10 or 15 years.
But will your student loan balances and anticipated monthly payments be considered? Of course they will. Just like any other major monthly obligation that will compete with the mortgage and homeowner costs for the money in your paycheck.
(Avoid the common mortgage lender's suggestion to consolidate your student loans - it may make their numbers look nicer, but it'll cost you an arm and a leg in extra loan payments.)
Good luck - I hope this helped.
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