Can I apply for an unsubsidized loan while I already have a subsidized loan and the semester has started?
90794
Yes, check with your lenders. It doesnt matter if your semester started or not as long as your enrolled. However b careful some lenders won't send the money directly to you but instead to the school.
252447
If your talking about an application fee generally those are not refundable. If it is tuition then I would just make a huge fuss about it until they gave in and just gave you your money back to shut you up. However if you didn't let them know you weren't attending and didn't try to get your money back until in the middle of the semester than it is your fault and they don't have to give it back.
140244
You could apply for a Stafford Loan. They come subsidised where the government pays the interest while you are in college. \n\nhttp://studentaid.ed.gov/students/publications/student_guide/2004_2005/english/types-stafford.htm
557890
Your Unsubsidized Stafford Loan accrues interest from the day it is disbursed.  While you are in school, and during any deferment periods, your Subsidized Stafford Loan won't accrue any interest.  However, once you enter repayment, both loans will accrue interest and they will do so *at the same rate*.  In this sense, once a Subsidized Stafford loan enters repayment, it too becomes "unsubsidized."  \n\nSo, to answer your question: as long as your loans will both remain in repayment, you might as well split the payment evenly across the two.\n\nThe only time you might want to put more money towards your Unsub Stafford loan [as opposed to your Sub Stafford] is if you plan on returning to school or applying for any type of deferment (Economic Hardship, Military, etc).  During deferment periods, your Subsidized Stafford loan would again become Subsidized while your Unsub Stafford would continue to accrue interest.  In this case, you'd probably be glad that the loan you'd "paid down" was the one that will be accruing interest. \n\n[Keep in mind that a "forbearance" is NOT the same thing as a "deferment" -- in a forbearance situation, interest will accrue on both Subsidized and Unsubsidized loans; in a deferment, interest WON'T accrue on Subsidized loans but will still accrue on Unsubsidized loans.]\n\nI want to clarify that, at any given point in time, Sub Stafford and Unsub Stafford loans always carry the same interest rates. Currently, in-repayment borrowers are paying 5.3% interest on both.  This rate changes annually every July 1st.
951718
You can talk with your university about getting a computer loan. I had several friends that got their computers this way and didn't have to pay back the loan until they graduated.
897078
A Federal Stafford Loan is a low-interest, fixed-rate, long-term loan for undergraduate and graduate students. There are two types of Stafford Loans: subsidized and unsubsidized. The information you provide on your Free Application for Federal Student Aid (FAFSA) will assist your school's Financial Aid Office in determining which loans you qualify for.
901618
Yes. You will need to contact your loan provider and submit your acceptance letter from the school that you are attending. The amount will be deferred until you graduate. Mind you the interest will still accumulate and will have to be paid back in the end.
230044
To get Stafford loans you have to first apply for federal aid (PELL Grant) by filling out a FAFSA (not FASFA) form. \n There are different types of Stafford loans and you can get both. Subsidised stafford loans are not charged interest untill you finish school. Unsubsidised Stafford loans start charging interest as soon as the school gets the money. To get an unsub loan you have to first be denied for a parent plus loan. Parent plus loans your parent signs and has to start paying on the loan I think 6 months after the school gets the money.\n Each stafford loan you get you will have to start paying on six months after you stop atending college. If you go 4 years and get a loan each year you will have to pay on ALL 4 at the same time. There may be ways to combine the loan payments later but I'm not sure about how.
293556
Federal loan borrowers are not meant to be able to consolidate the same loans more than once.  Currently, however, there exists a loophole in the system that allows students who have borrowed and consolidated under the Federal Family Education Loan Program to "reconsolidate" their loans through the Direct Loan Program. HOWEVER...\n\nThe Higher Education Act has just been reauthorized and, effective July 1, 2006, this loophole will be closed. After July, FFELP consolidation loan borrowers may only receive a Direct Loan consolidation loan for the following reasons: (1) for the purposes of income-contingent repayment if the loan has been submitted to the guarantor for default aversion; (2) if a lender denies a FFELP borrower a consolidation loan or income sensitive repayment; and (3) for the purpose of resolving a default. Direct loan consolidation borrowers may not reconsolidate unless new loans are added.
429344
A Stafford loan is a low-interest federal student loan (currently 4.7% for student in school). This loan can be subsidized or unsubsidized.  In this case, say that a loan is subsidized means that the government is paying the interest on the loan while you are in school and during any periods of deferment/grace (i.e. if you apply for and are approved for an Economic Hardship Deferment once you enter repayment, your loan won't accrue interest during the deferment period).  If your Stafford Loan is UNsubsidized, that means that the government does NOT cover the accruing interest.  So, if you borrow $2500 your Freshman year, the loan will have accrued interest while you are in school such that, by the time you graduate, the amount you owe will be more like $2,750 (assuming a rate of 4.7% -- though Stafford rates will be fixed at 6.8% beginning July 2006). Interest really adds up -- but that's true of any loan.\n\nWhen you file the FAFSA to apply for federal aid, you will be applying for a generic Stafford loan.  Whether that loan will be Subsidized or Unsubsidized is something your school will determine.  Generally you can only receive a Subsidized Stafford loan if you show financial need.  If you don't show need, your Stafford loan will be Unsubsidized.  [There are some ways that a student can get both the full amount of their Sub and additional Unsub, but this generally involves being independent or being a dependent student whose parents have been denied a PLUS loan.]  Check with your school to see which you qualify for.  Stafford loans involve no credit check, so there's no harm in applying, see what you are offered, and then deciding if you wish to borrow.
845525
Have you applied for student loans?  I, too was ineligible to receive grants because of my parents' income.  I paid for my undergraduate degree with hard work and student loans.  Pretty much anyone can receive a Stafford or Perkins loan, regardless of their credit history.  You should talk with the financial aid office of your school.  They can help you with the paperwork and inform you of your options.
568469
Two of the major Federal Student loan programs -- Stafford and Perkins -- are unique in that they require absolutely NO credit check. In fact, Financial Aid Administrators are forbidden from checking your credit as a condition for receiving these loans. You don't even need to show financial need to obtain an Unsubsidized Stafford Loan -- as long as your school is accredited, you are enrolled at least half-time as a regular student, and your other financial aid doesn't exceed your Cost of Attendance, you will be offered a Stafford Loan.\n\nIf you have "maxed out" your eligibility for Federal loans, there are private companies that will lend you money even if your credit is bad (which you're fixing, I hope?).  If you have a creditworthy cosigner then your credit won't matter much at all.  That's what cosigners are for -- their credit acts as a "stand in" for yours!\n\nFirst, review the huge list of private loan lenders on FinAid's website: http://www.finaid.org/loans/privatestudentloans.phtml ... Go to each lender's site and read the terms and credit criteria of their loans until you find one that focuses more on one of your credit strengths (job history, perhaps).  Be careful when searching online for companies that specifically claim to offer loans to people with bad credit (companies like Astrive are questionable because they bypass the school). Make sure the company has a good track record before you commit to a 10-30 year relationship with them
784423
It is through FAFSA. It is pretty easy to apply, and they'll explain everything in painstaking detail. Financial aid will generally cover tuition first, then books and then based on your need, it'll also cover some living expenses. You also need to educate yourself on the difference between subsidized and unsubsidized loans!!! VERY IMPORTANT.  Good luck to ya.
473642
graduate programs and schools offer a variety of programs to  help pay for the education.  While loans are available, both secured and unsecured, there are also departmental grants, grad assistant stipends, work programs.  don't forget to check with your employeer, they may be willing to cover some of the cost if it helps with your job, and don't forget to check with who ever has your undergraduate loans, some programs will stop the loans while your at grad school.
1063953
Have you already filed an appeal with financial aid. Sometimes, that works in getting more aid. If you have tried that already, you can inquire about scholarships. You can ask your financial aid dept. to assist you with this. If you are still short on tuition, you could work to pay for the classes and take only the amount of classes that you can pay for in each semester. Otherwise, loans are whats left.
16572
It's possible, but only the issuer of the scholarship can answer that.  You may want to review the conditions of your scholarship to see.  I know I won a scholarship from my dad's union, and I got half up front for fall semester, but I had to bring in my report card before I got the second half for spring.
1119038
This is true.  July 1st of every year the variable interest rate of federal stafford loans (subsidized and unsubsidized) are adjusted based on how our economy is doing.  The formula used is an adjustment to the 91-day treasury bill auction results from the last week of May each year.  This formula is adjust periodically which is why students who borrowed loans prior to the fall of 1996 have slightly higher rates on those loans.\n\nTreasury bill rates have increased significantly in the last year student loans will also increase.\n\nCurrently if you have a Stafford loan and are in-school or in your grace period the interest rate is 4.7%.  If you are in repayment then your rate is 5.3%.  As of July 1, tomorrow, rates will increase to 6.54% for in-school or grace periods and 7.14% for repayment loans.  This is for loans you already have out in your name.  \n\nAlso because of legistlative changes all new loans borrowed after July 1, 2006 will have a fixed interest rate of 6.8%.  (This change was made several years ago.)\n\nIf you currently have loans you can opt to consolidate them by midnight tonight which allows you to lock into your current interest rate, rounded to the nearest 1/8%.  There are several consolidation questions which I have responded to that tell you how to go about that or you can contact me.