topic Re: Help Please in Student Loans

Help Please

Anonymous — Mon, 04 Jan 2010 16:58:49 GMT

Hear is the situation my AAOA is 2 years and my credit is 5.5 years old im a True 721 fico.

This is the list of my accounts

Chase 20,000.00 Limit 0 Bal Joint Card 5.5 Years Old

Citi 8200.00 Limit 0 Bal Individual Card 18 Month Old

HSBC 900.00 Limit 0 Bal Individual Card 18 Months Old

Capital One 1000.00 Limit 0 Bal Individual Card 1 Month Old

Citi 1000.00 Limit 0 Bal Individual Card 1 Month Old

Discover Card 2000 Limit 0 Bal Individual Card 1 Month Old

Bank of America 1000 Limit 0 Bal Individual Card 1 Month Old

Discover Student Loan 28000.00 Bal Individual 13 Months Old

Great Lakes Student Loan 6250.00 Bal Individual 4 Months Old

Equifax 1 INQ

Trans Union 4 INQ

Experian 4 INQ

I need a student loan I don’t care about the interest rate. I have no co-signer. I need a Private Student Loan of 8000.00 to pay for computer books transportation and rent next 6 months. I want a bank that will approve me and just deposit the money in my bank. Any ideas for a bank that will do this thanks. I will be a RN in 6 months so ill be able to afford to pay it all.

Re: Help Please

dawsonmel — Mon, 25 Jan 2010 04:44:52 GMT

I always get these e-mails about banks in Nigeria that will wire you money asap. LOL (joke don't do it)

Re: Help Please

SCF — Mon, 25 Jan 2010 07:32:10 GMT

Howdy,

Have you exhausted all of your federal student loans (Perkins, Stafford)? Have you talked to the financial aid office at your school about your options? You should never take out private loans before you have taken out all of the federal loans available to you because of the increased protections and options available to borrowers through the federal loan program.

If you have exhausted all of your federal loans, you just need to start applying to private lenders. You could ask your financial aid office for a reccomendation on this as well. Is there any reason why you couldn't apply again to the same bank that gave you the $8000 you have now? Based on the limited information you gave, the only issue you might run into is the bank worrying that you've already borrowed too much money, but based on the amount of debt many students graduate with, I don't think you've hit the wall yet.

Hope that helps!