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Found 29 results

  1. My apologies if this has already been addressed in another thread here. I'm interested in creative ways to help reduce student loan debt. I ended up taking about $20K to $25K more in loans than I expected due to several factors, a) the university dramatically increased student housing costs from the time of my admission to the time of my defense (up 48% in four years); b.) my family's health needs during my studies prevented me from taking a substantial part time job; and c.) there was no real economy where I attended anyway (e.g., only entry-level minimum wage jobs). Now, I'm looking at my own student debt and my wife's from her education and trying to figure out how to raise a family and pay off my loans on a single "humanities" income.
  2. Does anyone really know how loan forgiveness works? Is it only in certain states? Is it only loans through FAFSA? I have no idea how any of it works and am having trouble finding more information on it! If anyone has more knowledge on this topic I'd love to hear it I'm still waiting to hear back from all my schools (and am dying waiting) and am trying to be proactive with this and distract myself from the non-stop email checks I've been doing!
  3. Long story short, I just calculated the amount I would have to take out in loans for tuition alone assuming a small scholarship and it's over 30k. Add loans for living expenses to that, even assuming I'm incredibly frugal and my partner is helping to support me, and I feel like I'm looking at 50k in debt for this degree. Feeling really down especially seeing as I already have over 40k in debt from my useless undergrad. This is what I want to do with my life and I don't want to get discouraged, but damn. I thought I was being smart by waiting a year and trying to get in-state tuition, but $50,000 is no joke. Is anyone else out there struggling with the price tag before even being admitted?
  4. As an undergraduate, I became ineligible for federal aid due to maxing out my cumulative attempted credit hours (who knew starting college as a directionless 18 year old might be messy?) I'm thankful that my first graduate program acceptance letter came today, and that the program has offered full funding and stipend for the duration of my studies...but I will need to find a bit of extra aid to cover/refinance/push into deferment some higher interest debts that, while I can manage, will make my budget ultra-tight otherwise. My question is, does satisfactory academic progress (SAP - what the Fed uses to determine aid eligibility) reset as a graduate student/not carry over from undergrad?
  5. Hi All, I heard about this online webinar being hosted by students from universities across the US- including, HARVARD, George Washington University, Tufts University. This webinar is free to attend. They will talk about a) their experience as international students in the US b) job & internship opportunities c) loan options d) visa process. The webinar is free to attend but as they are expecting heavy footfalls, prior registration is mandatory in order to secure yourself a seat. I've included the post I found, about this. To know more & register, click here- http://bit.ly/2JR1isB Date: May 11, 7 PM IST Location: Online
  6. I have been accepted into the Security Policy Studies masters program at GW. They have only offered me $4k a semester in aid and I need much more help than that to be able to attend. My loans will only cover about $20k a year. Does anyone know of the best way to approach this? Should I write them and ask about more funding opportunities? Can I appeal for more money?
  7. I've recently been admitted to an MA program with an 20K stipend. I know this is generous for an MA program but I am trying to gauge my loan and student debt prospects. Anyone else with a similar stipend? Has anyone found any other ways to get funding? Has anyone managed to get scholarships that are separate from the particular university or department? Any jobs? Did you even need a loan?
  8. Hello! I am wondering how people usually pay for masters degrees if they are not supported with an assistantship or fellowship? Loans, financial aid through FAFSA, work, etc? Is working part time while pursuing a full time master's feasible?
  9. For this question, would graduate school count as college, or is that separate? If it's separate, would I just fill out "0" if nobody else in my household is pursuing a college degree? The question is: How many people in your household will be in college in 2017-2018?
  10. For a grad art program? I'm having the hardest time figuring out if I can apply anywhere for scholarships/grants for artist attending grad MFA programs? All of the so called organized websites to join and search from, give me SCAM like info. or nothing at all. How about ADHD? I'm Norwegian, Danish? I was born in MN? Over 45?
  11. One of the greatest things about Bio medical PhD programs, is the fact it is paid for, plus you get a stipend. Even so, I anticipate needing more than the stipend will provide. What advice is out there about taking out student loans (federal or private) or other ways of financing graduate education? I have done the standard google searches, so I am mostly looking for what people have experienced personally and what their recommendations are.
  12. Hi Wassup guys! Happy Friday or (or Happy Day)! I hope everyone is enjoying their day. Its acceptance letter season and I am so glad the applying stage is over. Even more happy that I got accepted into the Fordham, Columbia, and Hunter/Bank Street Program Although I am very excited about the prospects of attending any of these programs, I am leaning towards Columbia. However, I have concerns about the costs and loans. Is there a way to leverage my financial aid packages to lower the costs? Or any other approaches to help me lower the costs and loans? Please let me know very excited to start my career with the lowest amount of loans possible
  13. Anyone know the difference between the Federal Direct Unsubsidized Loan and the Fed Direct Grad PLUS Loan?? I've been researching and trying to understand the difference but I don't recall seeing much difference ?
  14. I posted this in the main section of grad cafe under "The Bank" but haven't gotten a response yet so posting here as well... I'm in the process of applying for unsubsidized stafford and grad plus loans. As part of that process I need to fill out a promissory note. I started that today, but noticed they ask for my employer's information. While I work full time now (in a different industry), I'm planning to quit at the end of the summer before I start school full time. My current employer does not know that... Does anyone know if they will contact my employer if I give their info? If they do contact them to verify my employment, will they tell them it's because I'm applying for student loans (assuming yes)? I wasn't planning to give notice until after my vacation at the end of July since my last day in the office would be right before labor day.
  15. What is the best way to pay for grad school without going too far into debt with loans? I don't have much saved up right now and still hav a couple thousand in loans from undergrad, and now I need to pay tuition and living expenses in a new state. That means plane tickets to come home, too. I'lll definitely get a job, but any sort of help or resources would be great!
  16. I'm in the process of applying for unsubsidized stafford and grad plus loans. As part of that process I need to fill out a promissory note. I started that today, but noticed they ask for my employer's information. While I work full time now (in a different industry), I'm planning to quit at the end of the summer before I start school full time. My current employer does not know that... Does anyone know if they will contact my employer if I give their info? If they do contact them to verify my employment, will they tell them it's because I'm applying for student loans (assuming yes)? I wasn't planning to give notice until after my vacation at the end of July since my last day in the office would be right before labor day.
  17. Hey! So I was just accepted to a Master's program, and they are giving 15k (plus insurance). It is conditional to me taking Microeconomics and getting a B or better, but I'm not too concerned with that. I just spent a few minutes calculating some things, and I need another set of eyes. Tuition & Fees: $25700 Housing (cheapest and an 8 minute drive away): $450 per month ($5400) Bills: $6900 *includes car payment, food ($150 per month), cell phone, and car insurance Living Expenses Total: $12300 I also have two education awards totaling 10k. So my calculated cost of attendance is 38k. Subtracting the fellowship and my ed awards it's 13k out of pocket. Does it make sense to take out 13-15k in graduate student loans to handle my day-to-day costs? Also, the school's calculated CoA is 46,633. Am I undershooting my costs? Apartments are kind of high in this area, but the apartments I'm looking at offer the cheapest and probably most convenient living arrangements. Thank you for you help. This is the best offer I've gotten so far.
  18. About how much student debt do you have and how do you plan to repay it? I'm at over 40K right now and my loans are due for a payment soon since I graduated some time ago now. I seriously can't afford these payments with all the other things I pay for. I feel like I'm stuck and I definitely don't want any lack of future payments since that would hurt my credit score. Anyone dealing with this and found some sort of solution or a way to help?
  19. Now that the US has elected Trump, everything is up in the air. This would not be the year to assume you can manage your loans with an IBR program like REPAYE.
  20. As you can see in my sig, I'm applying to a lot of schools. I'm in Virginia so only 3 of them are in-state (4 if you count the fact that D.C. schools do 'american student vs international student' instead of 'in-state vs out-of-state/international'). On another forum someone reminded me of the old adage of "don't take out more loans than your first year's salary". If the stats I found online are right, the median salary for SLPs is about $58k. Probably a little less for first-year employees. By that logic, and provided these stats were right, I could only afford *one* in-state school, and that's if I only paid tuition, not housing or books or course fees or food or gasoline or anything else. How much debt would be "appropriate" for an SLP to take on? Is going out of state even worth it in the long run if it ends with me having $90,000+ in debt? (Full disclosure: my parents are generously going to help me pay for school but I'm treating it as if they are not to both keep myself grounded and to make this question more relatable to everyone)
  21. So how does anyone SURVIVE grad school without being a literal hobo? I am freaking out. I will have to take loans out for tuition and my research assistantship will be going toward my tuition as well. I REALLY do not want to take out loans just to live! Even if I transfer my current job in retail, I'll only be able to make ~$100/wk if I work 10 hours on top of school and research. Are more loans the only way? Should I have only applied somewhere who would have covered more/given more financial aid? I have been stressing so much because tuition is $24k because I'm out of state. And I already have so much debt from undergrad! Can anyone tell me what they've done to defer costs or survive the living expenses of grad school?
  22. I will be applying for MPH programs in the upcoming cycle. I am moderately to very concerned about funding the MPH. My goal is to get into an accelerated program at a top university where I am currently a researcher. Following that, I would like to continue with my plans to go into medical school if that remains a calling. For those who have been in my same position before: How have you funded your MPH? What did you concentrate in? If you took out a loan, how long did it / is it taking you to pay off the loan? What advice would you give to those who are going through the funding struggle?
  23. Hi All, I am starting my PhD program this fall and I want to pay off my loans from my masters degree while I am still in school. I owe about $45,000 in total and between my savings, some support from family, and a fairly generous funding package I should be able to afford monthly payments. At the moment I am defaulted in to the standard 10-year repayment plan which comes out to about $500/month. My servicer told me that I would also be eligible for Income-Driven plans such as Pay As You Earn, and I am wondering if anyone could share their experience with plans like PAYE. The most important thing for me is to avoid keeping my loans in deferment while I am in school and having 5-6 years of interest turn an already not fun amount of debt into something really tough. Any one who could share their experiences with paying off debt while in school or with the different payment plans would be doing me a huge help. Thanks in advance!!
  24. I am looking to go back to school this upcoming year and have been looking at my options to pay for school. I really should have thought about this prior to obtaining my undergraduate degree and was curious if anyone had experience in this area? My parents funded my first undergraduate degree, and as for my second I had to take out loans on my own. I was wondering what are my options in terms of graduate study? How can I pay for school? I do not want to have more debt that just accumulates interest in the future. Anyone have any thoughts in this area?
  25. rack_attack124

    Loans

    anyone with loans and scared about it? I'm not trying to pay these off the rest of my life. I don't have any right now but I applied to a lot of private schools and even if I went to UNC in-state I still don't have enough money. I'm so bad at saving money. I've had to use every cent I earned on living.
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