SpringLeaf Financial

[xXIDaShizIXx]

---

@sailor_mercury wrote:

---

@xXIDaShizIXx wrote:

I know guys. I really do appreciate everyone trying to help. But I have nothing bad on my history and no one gives me any reason other than the fact of lack of a history or lack of a lengthy history. It just seems that there is no way to get ahead.

---

I'm really surprised the accepting University doesn't have a good direction to point you in.  They know as an out of state Doc Candidate you're going to have relocation expenses and you will need a way to cover them. 

Can you find out who the Financial Aid Officer's supervisor is and contact them for assistance?  Maybe if you even provide them a spreadsheet or worksheet without backup documentation they will understand what the request is for and they can help point you to the right lender. 

---

Yeah like I said previously, they told me to ask family, which is a bit presumptuous to say the least. And then they told me to try my bank (duh). Then they said they weren't sure what they could do for me. That is why I started this thread on SpringLeaf and even that didn't work.

[sailor_mercury]

---

@xXIDaShizIXx wrote:

---

@sailor_mercury wrote:

---

@xXIDaShizIXx wrote:

I know guys. I really do appreciate everyone trying to help. But I have nothing bad on my history and no one gives me any reason other than the fact of lack of a history or lack of a lengthy history. It just seems that there is no way to get ahead.

---

I'm really surprised the accepting University doesn't have a good direction to point you in.  They know as an out of state Doc Candidate you're going to have relocation expenses and you will need a way to cover them. 

Can you find out who the Financial Aid Officer's supervisor is and contact them for assistance?  Maybe if you even provide them a spreadsheet or worksheet without backup documentation they will understand what the request is for and they can help point you to the right lender. 

---

Yeah like I said previously, they told me to ask family, which is a bit presumptuous to say the least. And then they told me to try my bank (duh). Then they said they weren't sure what they could do for me. That is why I started this thread on SpringLeaf and even that didn't work.

---

You're not coming all the way out here to the west coast to work on a PhD at University of Phoenix are you???

I went there for a year over a decade ago and it was a very poor decision but at that time the financial aid department was about as helpful as what you are describing.  I eventually transferred to a different school and was MUCH happier.  I was a little frustrated with the school I graduated from, it wasn't until I was really between a rock and a hard place and told them I was going to have to drop out before they 'found' alternative financing for some of my expenses. 

The rest of my family has gone to more traditional Universities and the financial aid departments have always bent over backwards to make sure the student had everything they needed.

[barbaralee]

How about this (and not to sound flippant): why not save for the move? A 30k income is not too bad, and I am assuming that is not counting your wife's income. By your own admission the only debt you have are a student loan or two and a secured card that you have less than 10% uti (on a 500 card). You also said you live in a low cost of living area. When does your school start? why not just sock money away since you have practically no debt?

[xXIDaShizIXx]

---

@barbaralee wrote:

How about this (and not to sound flippant): why not save for the move? A 30k income is not too bad, and I am assuming that is not counting your wife's income. By your own admission the only debt you have are a student loan or two and a secured card that you have less than 10% uti (on a 500 card). You also said you live in a low cost of living area. When does your school start? why not just sock money away since you have practically no debt?

---

That is including my wifes income. We both have minimum wage jobs at the present. She uses her check to pay bills. I used mine to save and buy groceries. It would take about 3 years saving at 7.25 an hour. And I just graduated college just this past December. We wouldn't make it in time, and I would lose my deposit. And no its not UoP. Its a state school.

[sailor_mercury]

---

@xXIDaShizIXx wrote:

---

@barbaralee wrote:

How about this (and not to sound flippant): why not save for the move? A 30k income is not too bad, and I am assuming that is not counting your wife's income. By your own admission the only debt you have are a student loan or two and a secured card that you have less than 10% uti (on a 500 card). You also said you live in a low cost of living area. When does your school start? why not just sock money away since you have practically no debt?

---

That is including my wifes income. We both have minimum wage jobs at the present. She uses her check to pay bills. I used mine to save and buy groceries. It would take about 3 years saving at 7.25 an hour. And I just graduated college just this past December. We wouldn't make it in time, and I would lose my deposit. And no its not UoP. Its a state school.

---

Sorry, I have a bad habit of making bad jokes sometimes to lighten a situation.

UoP might be better now... my experience was over a decade ago.  But it felt like a fake school compared to where everyone else in my family attended UCSD, USD and SDSU we even have two faculty members in the family one at SDSU, one at UCSD and a couple of good family friends at USD. 

I am VERY out of practice with funding education.  But PLEASE don't be discouraged. 

[barbaralee]

I saved $900 on minimum wage salary when my husband was accepted into his PhD program. I was the only one working, he had just graduated. I had similar bills, rent, car insurance, utilities, groceries, etc. I also had no help. My mother raised two children working two jobs both minimum wage, with no assistance from dad or government. I am assuming that your program does not start until the fall (as most grad programs tend to do)... That gives you from now until Sept to possibly get another job, clean up your credit and start saving. 10,000 also sounds like quite a bit for a young couple moving across country. Exact numbers might be helpful to better assist with your situation. 

[irrational]

OP, maybe you're going about this the wrong way. Perhaps you don't need a lone at all?

Do you have anything of value that could be sold?

Do both you AND your wife need to move their together and immediately?

Perhaps you can scrap together what money you can by selling some items (computers, bikes, microwave, etc), and maybe you can move their yourself with simply the amount of positions you can carry in your car. You could then get a cheaper olace to live for a few months, not need a u-haul, and give yourself more time to save for this expense.

[barbaralee]

---

@irrational wrote:

OP, maybe you're going about this the wrong way. Perhaps you don't need a lone at all?

Do you have anything of value that could be sold?

Do both you AND your wife need to move their together and immediately?

Perhaps you can scrap together what money you can by selling some items (computers, bikes, microwave, etc), and maybe you can move their yourself with simply the amount of positions you can carry in your car. You could then get a cheaper olace to live for a few months, not need a u-haul, and give yourself more time to save for this expense.

---

This is exactly what my husband and I had to do when he was accepted into his doctorate program. We saved up just enough to get him there. He rented a craptastic apartment, and we spent the semester apart. His first year away at grad school was the one time he took out student loans his whole avademic career. Since he is in a STEM field his schooling is paid for, as well as the school employs him... so the semester that we were apart we got rid of everything that was not essential for the move. We sold things, we cut down on food and eating out, I was also working two jobs at the time.

We ended up renting relocubes as that was what we found to be the most economical. And after 3 months apart I quit my jobs and was able to join him. It took a lot of planning, but it was accomplished at what I believe was a minimal cost.

EDIT: A friend of ours moved recently from Michigan to Washington state. He and his wife also did the same thing, where she moved first, they waited a few months, and he followed afterwards. He sold everything except the car and clothes.

[Revelate]

Time-honored tradition:

Dump your current stuff in a storage bin (or throw out the unneeded things we all collect), take the necessities with you in a car, live out of that and use the university gym showers for however long it takes you to get a paycheck.

No family, no credit, no cash, and no proof of income, you're sort of out of options as I see it.

[longtime_lurker]

---

@Revelate wrote:

Time-honored tradition:

Dump your current stuff in a storage bin (or throw out the unneeded things we all collect), take the necessities with you in a car, live out of that and use the university gym showers for however long it takes you to get a paycheck.

No family, no credit, no cash, and no proof of income, you're sort of out of options as I see it.

---

+1 I approve. It's how I figured I'd manage to survive in grad school - till I learned of schools that'll pay my major upwards of 35k/year.

But seriously, I know someone who did that at MSU for 5 months