wannaknow

hey I just wanted to say that I'll be at Penn next year and from what I understand the philly art scene is pretty close knit and a pretty tight community so I'm sure we will be seeing alot of each other over the next couple years with both Penn and Tyler in the area! my website is www.lainegodsey.daportfolio.com! my real name is Laine Godsey... so if you guys want to share your real identities then maybe we could look each other up once in Philly!!!!!!!!!

Hey everyone! Congrats to all on such a long, hard and successful application season!!! Thanks so much for joining in and for ll the support throughout the whole process!! I hope ot see maybe one or two of you guys at Penn in the fall and hope to catch up with many f you in galleries over the years!!!!!! good luck with e everything ahead of us! Signing off officially...

PennDesign University of Pennsylvania for me!!! Couldn't be happier!!!!!!!!!!!!!!

I have an old friend at BU..if you are interested in maybe talking to him message me and I see if I can get you guys in touch... CONGRATS!!!!!!!!!!!!!! happy for you!!!!!

waitlisted at MICA Mt. Royal... nothing yet bout Rinehart... wonder how big the waitlist is for these programs

thanks or sharing with us!!!!!! would you mind saying if you had to do it over if you still think you would make the same choice? and do you believe it is worth the money? It sounds like overall you really like the program. also I have pretty awesome funding packages at other schools, do you think it is possible (have you heard of this there) to try and get more funding then you were originally awarded???? I know this happens often but I am unsure how this works at Penn.

this is a direct quote from the website about repayment of funding.. see where it says that jobs at public schools including colleges are included. also see the second inclusion about the debt consolidation/reduction. Hope this helps someone... I cant make this type not be bold, I'm not yelling LOL Public Service Loan Forgiveness (PSLF) Public Service Loan Forgiveness (PSLF) is a new program for federal student loan borrowers who work in certain kinds of jobs. It will forgive remaining debt after 10 years of eligible employment and qualifying loan payments. (During those 10 years, the Income-Based Repayment (IBR) plan can help keep your loan payments affordable.) Who can get PSLF? This program is for people with federal student loans who work in a wide range of "public service" jobs, including jobs in government and nonprofit 501©(3) organizations. What are eligible jobs? In most cases, eligibility is based on whether you work for an eligible employer. Your job is eligible if you: <LI hasbox="2">are employed by any nonprofit, tax-exempt 501©(3) organization; <LI hasbox="2">are employed by the federal government, a state government, local government, or tribal government (this includes the military and public schools and colleges); or serve in a full-time AmeriCorps or Peace Corps position. (1) your employer is not "a business organized for profit, a labor union, a partisan political organization, or an organization engaged in religious activities, unless the qualifying activities are unrelated to religious instruction, worship services, or any form of proselytizing;" and, (2) your employer provides any of the following public services: emergency management; military service; public safety; law enforcement; public interest law services; early childhood education; public service for individuals with disabilities and the elderly; public health; public education; public library services; and school library or other school-based services. These definitions of eligible jobs reflect the Department of Education's final regulations for PSLF, as posted in the Federal Register on October 23, 2008. What kinds of loans does it cover? It covers federal Stafford, Grad PLUS, or consolidation loans as long as they are in the Direct Loan program. Borrowers with loans in the Guaranteed (or FFEL) loan program must switch to the Direct Loan program to get this benefit. When does the 10-year clock start, and which payments count? Only payments made after October 1, 2007 count towards the 10 years (120 monthly payments, not necessarily consecutive) required for Public Service Loan Forgiveness. Qualifying payments are payments made through the William D. Ford Direct Loan Program in any of the following three repayment plans: the plan, the plan, and the Income-Based Repayment (IBR) plan. To count, these payments must be made while you're working full-time in an eligible job. "Full-time," according to the final regulations issued by the Department of Education, means an annual average of 30 hours per week or the standard for full-time used by the employer, whichever is greater. For people working part-time at two or more qualifying jobs, "full-time" means an annual average of 30 hours across all jobs held. In professions such as teaching, annual contracts that include at least eight months of full-time work will be treated as the equivalent of a full year's employment. If you meet all the criteria, the earliest your remaining debt could be forgiven is October 2017. What if I've already paid off my loans by then? This loan forgiveness program will only benefit people who still owe money on their federal loans after 10 years of eligible payments and employment. If your income is low relative to your debt, and you qualify for reduced payments under IBR (or Income Contingent Repayment) at any time during those 10 years, you will likely have debt left to forgive. (Learn more about IBR.) Find out more about how to qualify for Public Service Loan Forgiveness (PSLF). Income-Based Repayment (IBR) Income-Based Repayment (IBR) is a new payment option for federal student loans. It can help borrowers keep their loan payments affordable with payment caps based on their income and family size. For most eligible borrowers, IBR loan payments will be less than 10 percent of their income - and even smaller for borrowers with low earnings. IBR will also forgive remaining debt, if any, after 25 years of qualifying payments. Who can use IBR? IBR is available to federal student loan borrowers in both the Direct and Guaranteed (or FFEL) loan programs, and covers most types of federal loans made to students, but not those made to parents (click here for more about qualifying loans). To enter IBR, you have to have enough debt relative to your income to qualify for a reduced payment. That means it would take more than 15 percent of whatever you earn above to pay off your loans on a standard 10-year payment plan. Use our to see if you're likely to be eligible. How does IBR make payments more affordable? IBR uses a kind of sliding scale to determine how much you can afford to pay on your federal loans. If you earn below for your family size, your required loan payment will be $0. If you earn more, your loan payment will be capped at 15 percent of whatever you earn above that amount. Except for the highest earners, that usually works out to less than 10 percent of your total income. This chart shows examples of IBR payment caps as a percentage of the borrower's family income, based on various incomes and family sizes. What about interest? In some situations, your reduced payment under IBR may not cover the interest on your loans. If so, the government will pay that interest on your Subsidized Stafford Loans for your first three years in IBR. After three years and for other loan types, the interest will be added to the total amount you owe. While your debt may grow if your affordable payments are low enough, anything you still owe after 25 years of qualifying payments will be forgiven. What are qualifying payments? The Department of Education has indicated that the following types of payments will count towards IBR's 25-year forgiveness period, as long as you are in IBR at some point during those 25 years. Payments made in the Income Contingent Repayment plan (ICR) before July 1, 2009.<LI hasbox=2">All payments made on or after July 1, 2009 in the IBR, Income Contingent Repayment (ICR), and Standard (10-year) Repayment plans. <LI hasbox="2">Periods when the borrower has a calculated payment of zero in IBR or ICR (this occurs when your income is at or below 150% of the poverty level for your family size). Periods on or after July 1, 2009, when the borrower has been granted an economic hardship deferment.Find out more about how to qualify for IBR.

it qualifies for people who are working in a fed/public institution like a UNIVERSITY.. a public one, and many of us plan on being practicing artists but understand we will have ot supplement our income with teaching jobs... those teaching jobs might very well be at public schools which qualify for loan forgiveness and you also have ot consider the consolidation program that helps wiht payments. Of coarse you have to be making payments on the loans during those 10 years but with loan the payment plans that can help... I said its not for everyone and I'm, kinda surprised offering info that might help some people would be seen as a negative. Maybe you will be one of the lucky few artist that doesnt have to supplemant their arts income but I have a child and I will need a steady income so teaching in addition to making art works for me... thats why I'm getting an MFA to be the best artist I can be and increase my opportunites for having a good steady income like teaching that also affords me the time anad means to make my work. thanks for your thoughts...

ok everyone here is something important to know and consider... once you graduate all of your grad plus, perkins and federal subsidized and unsubsidzed loans can be consolidated by a gov.t program that allows you to only pay a percetage of your monthly bill based on a sliding scale of how much you make. PLUS the best part about federal loans is that after 10 years of working for a public/govt/ or educational institution there is debt forgiveness!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! of coarse it take a good bit of effort and planning on our part but as long as paper work is filled and payments are made the debt will not stay wiht you forever!!!!!!!!!!!!!!!!!!!!!! you can even find this info on the Penn website.. http://www.ibrinfo.org/what.vp.html#pslf read this info on loan repayment... Plus I have already found several outside scholarships to apply for that could potentially help if I were to be awarded anything... Plus you could always ask penn for more money.. it cant hurt!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! plus there are things like donating eggs (up to $6000 and only if you are a woman) and doanting PLASMA which pays like 30 bucks per time (you can do it 2 times a week) I mean I know these are unconventional things that only helop a little but for me it is owrth it to be at the schooll I really want to be at... I plan on teaching when I'm done, to help me make a living and so the loan forgiveness thing applies to my lifeplan and so it makes taking on debt less scary!!!!! If I didnt go to Penn I know I would always regret it and look back and think "oh I wonder if it could have been different if I was only there..." but in all honesty my other choices are good schools, but not even kind of on the level with what is happening at Penn right now! Plus check out the Penn blog for current and past students, they have lists of grads from past years with links to their websites and you can look at the awesome careers these peole are having with good gallery rep and shows all over the world including New York, The Tate Modern, germany, LA, Tokyo. Ok well thats my two cents, and maybe some food for thought... it wont be right for everyone but for me it is the place to be!!! LOL good luck making a choice.

I emailed CU-Boulder and asked them about my admissions status and he wrote back this morning saying that I am "not on the accepted List" LOL well they werent a top choice but I'm glad to have finally heard something.....so now all I'm doing is waiting for MICA (which I assume will be a rej) and I'm done guys!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! YAY!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! So excited!!!!!!! I can say now that unless something changes drastically, I will be going to Penn!!!!!! I couldnt possibly be happier about it, bc it was one of my top choices and the more I talked with them and the more I learned the more and more I love it!!!!!!!!!!!!!!!! Very happy that htis whole process is almost over and I send the best of wishes to everyone on the Forum!!! It has been so wonderful to have you guys ot talk to and share with during this whole process... what a stressful and rewarding time!!! Good luck to everyone with everything, I'm sure I will be visiting this forum much less frequently now... Congrats to all the awesome acceptances this year and well wishes to those still waiting!!!!!!!!!!!!!!!!!!

yes I would! couldnt hurt...

hey no my rutgers still says no decision.... but my letter came monday.. in Oklahoma

well it is close now... so pretty much say how alot of us are feeling--- CONFLICTED!!!!!!!!!!!!!!!!!!!!!!!!!

ok I KNOW a few other people applied to CU-Boulder... any news????? I eamiled them and asked if they knew anything yet and I havent gotten a response... anything about that school would be helpful even if its for other programs, I am sculpture. Thanks guys!! I cant believe this whole process is almost over! AHHHH not long now...