track2004 Posted April 9, 2009 Share Posted April 9, 2009 [quote name='Winchester' post='1830014' date='Apr 9 2009, 03:47 PM']Sell guns.[/quote] I think, if I know Winchester, that he meant selling guns to "friends" for cash. It's good business and will only get better if Obama does put some kind of limits on who can own guns and what kinds of guns they can have. I'd look into bulk AK47s or other assault rifles. Or you could sell bullets, which are cheaper to get and many cities don't allow their sale inside city limits. Link to comment Share on other sites More sharing options...
Fidei Defensor Posted April 9, 2009 Share Posted April 9, 2009 You need to get into gear and submit your FAFSA. The sooner you apply, the sooner you can be more up to date with what you're going to be receiving for aid. You'll know more about loans and all of that once you apply and they process your request. Link to comment Share on other sites More sharing options...
xTrishaxLynnx Posted April 10, 2009 Author Share Posted April 10, 2009 (edited) [quote name='Terra Firma' post='1829925' date='Apr 9 2009, 12:32 PM']When you apply for federal aid, you get information on both grants and loans, all from the federal government. For undergraduate, there are Pell Grants (that you don't have to pay back) and subsidized and unsubsidized student loans (Stafford, I believe they're called). Both of those are guaranteed by the government, but they are offered through private lenders.. They have low rates (about 6 percent) and they are deferred while you are in school. With a subsidized loan, the government pays interest while you are in school. With unsubsidized loans, they don't, but you can. If you don't, it's capitalized into the loan, so you end up paying interest on it. Your parents (or you, if you are independent) can take out PLUS loans, which are at a higher rate and are slightly dependent on credit. I believe they are also guaranteed, to a certain extent. They can also be deferred, and you pay the interest on it. They have a higher interest than Stafford loans, but not as high as private loans. You can also apply for aid through your state, in the form of grants. Or, you can apply for scholarships from private sources. Talk to your financial aid office about the latter option; they should be able to point you toward some sites that will be helpful.[/quote] WOW, thanks for being so thorough! I really appreciate all the info! Oh, and... how do I know which private institutions offer them. Will I get that info also? [quote name='Nihil Obstat' post='1830000' date='Apr 9 2009, 02:38 PM']Look up as many scholarships as you possibly can![/quote] I'm pretty sure I don't qualify for most need-based scholarships because they'll consider my Dad's income because he's expected to help me (even though he's not going to). And I most certainly am not going to get one based on my GPA, since I withdrew from my last school and took Incompletes which turned to Fs in a few classes. [quote name='Winchester' post='1830014' date='Apr 9 2009, 02:47 PM']Sell guns.[/quote] If I had any, I think I'd hold on to them. [quote name='notardillacid' post='1830016' date='Apr 9 2009, 02:49 PM']drugs offer a wider variety of clientele Mary J: sold with a handshake Blow: Bidness done at gunpoint Something for everyone[/quote] [quote name='fidei defensor' post='1830185' date='Apr 9 2009, 05:15 PM']You need to get into gear and submit your FAFSA. The sooner you apply, the sooner you can be more up to date with what you're going to be receiving for aid. You'll know more about loans and all of that once you apply and they process your request.[/quote] I can't submit my FAFSA til [i]my Dad[/i] "gets into gear" and gets his taxes done, which, knowing him, will be ON April 15th. Edited April 10, 2009 by xTrishaxLynnx Link to comment Share on other sites More sharing options...
goldbug16 Posted April 10, 2009 Share Posted April 10, 2009 [quote name='xTrishaxLynnx' post='1830395' date='Apr 9 2009, 11:19 PM']I'm pretty sure I don't qualify for most need-based scholarships because they'll consider my Dad's income because he's expected to help me (even though he's not going to).[/quote] Same here! I keep trying to convince my school that my parents can't PAY ANYTHING towards my college education. But there aren't any more scholarships they can give me. LAME. Oh well. Link to comment Share on other sites More sharing options...
xTrishaxLynnx Posted April 10, 2009 Author Share Posted April 10, 2009 (edited) [quote name='goldbug16' post='1830740' date='Apr 10 2009, 07:47 AM']Same here! I keep trying to convince my school that my parents can't PAY ANYTHING towards my college education. But there aren't any more scholarships they can give me. LAME. Oh well. [/quote] I know. And why is 23 the age at which they stop considering parents' income?? If I were born 5 months earlier, I would probably get ALL of my schooling covered! I would REALLY be ticked if my birthday was July 2nd, 1986! Most people graduate at 17 or 18, and if they go right to college would graduate at or before age 22 , at least if going to a 4 year college. And I'm gonna be going to a community college! It's all a real pain in the butt... I just really hope that I can get a good loan that will help cover at least some housing costs, cuz school is gonna be hard enough without having to work full time on top of going to school full time. Edited April 10, 2009 by xTrishaxLynnx Link to comment Share on other sites More sharing options...
Winchester Posted April 10, 2009 Share Posted April 10, 2009 [quote name='track2004' post='1830122' date='Apr 9 2009, 05:28 PM']I think, if I know Winchester, that he meant selling guns to "friends" for cash. It's good business and will only get better if Obama does put some kind of limits on who can own guns and what kinds of guns they can have. I'd look into bulk AK47s or other assault rifles.[/quote] Bingo. I should point out it's illegal to own an assault rifle without a federal permit. [quote]Or you could sell bullets, which are cheaper to get and many cities don't allow their sale inside city limits.[/quote] You can tell the cities with those kinds of controls--they're the one where you need bullets the most. Comrade Obama has already made bullets more expensive--he's sharp, that one. He won't try to regulate guns, he'll just tax ammunition back to the stone age. Link to comment Share on other sites More sharing options...
Sojourner Posted April 11, 2009 Share Posted April 11, 2009 [quote name='Winchester' post='1831104' date='Apr 10 2009, 05:45 PM']Bingo. I should point out it's illegal to own an assault rifle without a federal permit. You can tell the cities with those kinds of controls--they're the one where you need bullets the most. Comrade Obama has already made bullets more expensive--he's sharp, that one. He won't try to regulate guns, he'll just tax ammunition back to the stone age.[/quote] Yes. My husband has federal permits and has been buying receivers in bulk. I think CO has taken a page from the [url="http://www.youtube.com/watch?v=eFcVwDw4YLE"]Chris Rock style of gun control[/url]. Link to comment Share on other sites More sharing options...
xTrishaxLynnx Posted April 11, 2009 Author Share Posted April 11, 2009 From student loans to gun control? Hmm.... Interesting. Carry on. Link to comment Share on other sites More sharing options...
xTrishaxLynnx Posted May 20, 2009 Author Share Posted May 20, 2009 (edited) So, we're flying south tomorrow, and I'll be visiting my school later this week to enroll and get the info that was sent to them when I submitted my FAFSA. What I'm concerned about is that I got two letters today from Sallie Mae stating that they weren't able to loan to me, subsidized or unsubsidized. CROUTONS!!! What does this mean? Is it unlikely that I'll be able to get any loan, if I can't get one of these? Edited May 20, 2009 by xTrishaxLynnx Link to comment Share on other sites More sharing options...
xTrishaxLynnx Posted May 20, 2009 Author Share Posted May 20, 2009 Sorry, just want to bump this so someone who can help might see it this morning and so I don't have to go searching for it again... Link to comment Share on other sites More sharing options...
Slappo Posted May 20, 2009 Share Posted May 20, 2009 [quote name='xTrishaxLynnx' post='1871542' date='May 19 2009, 08:57 PM']Sorry, just want to bump this so someone who can help might see it this morning and so I don't have to go searching for it again...[/quote] there are some major private loan companies that will still most likely be able to loan you money. It may be at a slightly higher interest rate then what you would really like though. Look to see if your state has any state loans for college students (I know Alaska does). I have my loans through federal, state, and then a private lender. Heh... if you can't tell... thats a lot of loans... Link to comment Share on other sites More sharing options...
xTrishaxLynnx Posted May 20, 2009 Author Share Posted May 20, 2009 Yeah, I don't think I'll need that much - I'm only going to a 2 year college, and Oklahoma cost of living is pretty low - I'm just afraid I won't have enough, and I'd rather pay interest on a loan than not be able to go to school at all because I can't afford it. Link to comment Share on other sites More sharing options...
StColette Posted May 20, 2009 Share Posted May 20, 2009 [quote name='xTrishaxLynnx' post='1871572' date='May 20 2009, 01:33 AM']Yeah, I don't think I'll need that much - I'm only going to a 2 year college, and Oklahoma cost of living is pretty low - I'm just afraid I won't have enough, and I'd rather pay interest on a loan than not be able to go to school at all because I can't afford it.[/quote] Trisha, I would definitely take Adam's advice about going and discussing with the schools Fin Aid department. They can be very helpful. It's difficult to try and wade through all of this on your own. It's best to go to the folks who handle this stuff on a daily basis. They will be able to provide you with information about the different loans, etc. Franciscan's Fin Aid office was very helpful to me in sorting out what loans I should take out and which ones I should avoid. I used US Bank for private loans and Stafford loans; both of them have very low interest rates. Link to comment Share on other sites More sharing options...
Sojourner Posted May 20, 2009 Share Posted May 20, 2009 I second Jennie's advice. Talk to your financial aid office. I will tell you that I have heard it is more difficult to get financial aid for a two-year junior college than for a four-year. The risk is greater for the lender (meaning, they have a higher rate of default), and so a lot of lenders have backed off giving those loans. Link to comment Share on other sites More sharing options...
Guest KevinSymonds Posted May 20, 2009 Share Posted May 20, 2009 Whatever you do, do NOT work with American Education Services. Take a year off from college if you must in order to work, but do not work with AES. Link to comment Share on other sites More sharing options...
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