cant pay a school loan !!!?
451573
I WORK FOR A STUDENT LOAN COMPANY IN TEXAS, AND IF A BORROWER IS UNABLE TO MAKE PAYMENTS THEY CAN TRY TO QUALIFY FOR A DEFERMENT OR A FORBEARANCE TO POSTPONE PAYMENTS UP TO 12 MONTHS AT A TIME.  HOWEVER IF THIS IS A PRIVATE LOAN, THERE MIGHT BE DIFFERENT STIPULATIONS.  YOUR BEST BET WOULD BE TO CONTACT WHOEVER IS SERVICING YOUR LOAN AND TRY TO MAKE PAYMENT ARRANGEMENTS.  IT WOULD NOT HELP YOU TO FILE FOR BANKRUPTCY BECAUSE STUDENT LOANS CANNOT BE DISCHARGED BY BANKRUPTCY, AND THE BANKRUPTCY STATUS WOULD STAY ON YOUR CREDIT REPORT FOR 7 YEARS.  I WOULD JUST GIVE THEM A CALL AND TRY TO WORK SOMETHING OUT, IF YOU DON'T YOU COULD DEFAULT, AND THEY WILL GARNISH YOUR WAGES AND TAKE YOUR INCOME TAX RETURN, AS WELL AS REPORT IT NEGATIVELY ON YOUR CREDIT.  GOOD LUCK
62191
Did you try to get a loan thru the bank?  If so and no luck, go thru the school you want to attend and ask for help.  They know how to cut thru the red tape.  Chances are, with your other 2 brothers getting  loans on your father's credit, he's probably overextended.  Get some help from the school.  Maybe you can get some grants to help you.  Good Luck.
460058
go to your schools financial aid department and ask for assistance
311143
Hi, RecoverySue:\n\nFirst, your credit report is NOT the best indicator.  Don't rely on that.  Sometimes, it takes months or even years (if ever!) before a creditor reports to a credit agency.  If they don't report on a regular basis, you could still owe money and be delinquent, and never know!\n\nHopefully, you still have your loan paperwork.  If so, contact the phone number listed ASAP.  In general, I've had good experiences with student loan companies, however, they have hundreds of thousands (millions?) of accounts so don't rely on them to follow up with you.\n\nIf you don't have your loan paperwork, contact your college for the contact information for the loan company.  They should have it.\n\nIn general, the guideline is this:  If you dropped out of school DURING the allowable time and you were entitled to a refund of your tuition, then that tuition money should've been credited back to the financial aid office.  However, if you dropped out AFTER the deadline and you can't get any refund, then you may be (and probably are) still responsible for 100% of the tuition that was loaned to you.\n\nWhatever you do, don't delay in finding out.  The longer you wait, the harder it is to get copies of medical records and other information that may help strengthen your case.  Also, if you need to be put into a repayment plan, you need to know that ASAP before your loan goes into default (which results in higher interest payments, nasty letters, etc.).\n\nI've attached the link below to the FSA/US DOE Web site, which may help you, if all other attempts to contact the school and reference your loan paperwork fail.\n\nGood luck!
794815
There are all kinds of things you can do.  first thing is to call the cops on your parents and get your money.  But be careful....just b/c you have it now doesn't mean you should spend it all now.  you will regret it later when you really need it.  Second....go to the FAFSA website and apply for fed. financial aid for your schooling.  Then just google fed. aid for people in your area.  you will find a lot of options.
1153321
You should be able to talk to your financial aid rep at school and look for additional funding. I am just finishing school and I was able to do many things like that to help pay for textbooks, etc. The school by law is supposed to return any unused financial aid to you unless you tell them you don't want it returned to you so I have never had trouble getting enough to cover all necessary expenses.
1187515
There are Federal loans, such as the Stafford, that tend to be lenient.  Sit down with one of your school's financial advisors/counselors and discuss this.  Federal loans don't cover the entire tuition if your school is a proprietary school (tuition starts at 24,000 and higher), but they  may accept payments.   If you've got the GPA, look into nurse-specific grants and scholarships.  I'm a nurse and this is what I did.  The only other thing I can think of is to find out from your bank if they offer student loans for folks with "iffy" credit.  Having nursing as a goal may make you a better risk.  Of course, now you're obligated to pass boards!  Yikes!
578471
It will affect your ability to get federal loans, the school could also opt to expel you but that probably depends on your specific situation.  Try keeping your nose clean from now on
1087353
apply for a subsidized or unsubsidized loan or both through financial aid at your school. There is not a credit check or anything, just apply before the deadline, go through a brief orientation and sign a promissary notice. You can also find out about workstudy and scholarships. Here is a link below to explain to you about the loans I mentioned to you above.\n\n\nhttp://www.michigan.gov/mistudentaid/0,1607,7-128-4221-8419--F,00.html
1179848
try this.....My brother is getting student loans and he recieved info in the mail on how and where but try contacting the financial aid office at your school if this site doesn't help
1061685
I'm in the same situation right now.  Try to get a bridge loan.  You won't have to make any payments for up to 6 months. I hope this helps.
226124
Your student loan was probably from the US Department of Education, you can find the balance in a few ways. Try contacting the Direct Loan Services department at 1-800-848-0983\nOr by mail \nU.S. Department of Education\nDirect Loan Servicing Center\nP.O. Box 5609\nGreenville, TX 75403-5609\nOr you can also go to http://www.nslds.ed.gov/\nBut you will need the you pin number which was provided to you when you applied for your loan or grant or finanacial aid help. I hope this helps out.\nI have a loan myself and happen to work on a College Campus.
1155866
Actually education loans in banks are given at a low rate of interests and you will havea lot of facility ......\nlike you neednot repay until you get a job......the instalments will be cut from your salary......but there will not be any burden on your family as well....\njust enquire in a bank..i think its the best option...
454442
I got student loans through my school. First I applied for financial aid through FAFSA and then I gave them my school info. Then on my schools' website there is a place that talks about financial aid and I clicked the link and it told me places/banks/financial institutions that loan money. All I did was fill out the Master Promissary Note and Whola!!! I have money for school. All I had to do was send some verification to my financial aid (W-2's for my husband and I and a copy of our tax return) and I was ready to go.\n\nYou can also look for scholarships at www.fastwebs.com
657100
Providing you havenet used it yet, student loans come wiht what is called a forbearnce. Its used in times of hardship. YOu need to call your loan provider and see if you can apply for them. You may not be able to now that you've defaulted but its worth a try. the forbearnce will bring you current, and maek it so you only have to pay the intrest on you loan. I had to use it.
1119277
You are in a default status because you failed to make payments on your loans.  This is never a good place to be: to get their money back, the loan holder can (and will)\n\n* garnish your wages\n* demand payment of the entire principal balance up front\n* withhold your tax return\n\nand so on...  The default will also stay on your credit report for 7 years *after* you resolve it.  So, essentially, to get out of default, you need to make regular, on-time payments on all of your loans.  \n\nYour first step should always be to contact the holder of your loans.  This may be a lender (a bank, like Citizens or Bank of America) or a servicer (like Sallie Mae).  If your loans have been sent to collections, you will probably need to call the collections agency.  Simply put, make the call to whatever company has been sending you those angry (I assume) letters.\n\nYour loan holder will be able to help you (a) get your loan out of default and (b) arrange a payment plan that suits your needs so that you can stay out of default.\n\nWhenever possible, see if you can "rehabilitate" your loan.  This generally entails making a certain number (usually 6-9) on-time payments, after which you will again be eligible to borrow federal loans AND clear up your adverse credit.\n\nif you don't know who your loan holder is, go to www.nslds.ed.gov to look up your federal student loan history.
1138008
If you are in the USA, Canada, or England and can't pay for schooling, your children can still get educated at school.  The government will help pay for your child.  Go to the principal and talk to him about how to do this.  There are probably a few forms to fill and you have to prove that you can't afford school.\n\nIf you're somewhere else, I don't know what you would do.