Help Debts

Posts Tagged ‘student loans’

i owe on a car, student loans, and some medical bills….

ive seen these debt consolidation adds on tv, and dont know how they really work, or if theyre even a good idea…

can any share some insight?

Student loan consolidation is a great way to get a lower interest rate, as a reputable consolidation company will buy each loan off of the original lenders, lump it into one loan and offer lower interest and even deferment plans. Consolidate student loans to get them paid off more quickly with financial advice from a guidance counselor in this free video on student loans. Expert: Cheri Ashwood Contact: www.wearehdtv.com Bio: Cheri Ashwood has a bachelor’s degree in psychology and education, and has been a guidance counselor for nearly a decade. Filmmaker: Christopher Rokosz

Applying for free government grants, loans and scholarships begins with the free FAFSA online application, which helps to determine the estimated family contribution and the government’s contribution. Apply for student financial aid, including the Pell grants, Stafford loans and Perkins loans, with financial advice from a guidance counselor in this free video on student loans. Expert: Cheri Ashwood Contact: www.wearehdtv.com Bio: Cheri Ashwood has a bachelor’s degree in psychology and education, and has been a guidance counselor for nearly a decade. Filmmaker: Christopher Rokosz

Okay, here’s my particular situation. My husband and I live in a way that I would consider frugal. We eat out once a week, otherwise I cook all of our meals. We tithe, put a lot (considering what we make — not like, millions) in savings and are almost done with *all* of our debt (student loans, car). This came out of necessity from us being relatively poor (no money in savings then) and has continued.

This Christmas, I’ve gotten a couple of nice gifts. A couple of checks and things. I spent *all* of it already.

This small spending spree has caused me to think about things differently — like, maybe I *can* wear cute clothes all the time, etc. Things I’d kind of given up the dream on.

I guess I’m concerned because I don’t feel like I accurately understand what materialism is. Compared to some in the US, maybe I’m not so materialistic — but I’m worried my view is skewed because we are so rich here!

So – What is materialism and how do you deal with it in your own life?

I would like to get a debt consolidation loan for my outstanding debt from closed credit cards, old utility bills, etc

I have student loans, but I would like to consolidate them separatley and not through another loan.

Also, I have an auto loan, would the loan be able to cover that as well?

Please, real answers, and no opinions/judgements.

Thank You.

What do you do? No insurance, and not a lot of income?
Number two makes sense. I would love a job with that kind of benifits. Many jobs do not want to hire full time, and many jobs won’t touch me because of a record.
I never have had credit card debt. I have student loans I will always be paying on, but I’m still in college, and I’ve chosen to go to college. And I will always pay on it a little.

I am so lost I have no idea what to do! I am almost 23 now and when I was 20 I decided I wanted to go to school to become a massage therapist. I enrolled at a school called ACT ( advanced career training) I was told I would be able to work right after I graduated and that I didn’t have to be licensed to work as a massage therapist. They tossed me around between instructors, one got fired, one quit, one would show up 2 hours late and had no hands on training I didnt feel like I learned anything until my last 2 months with my last teacher. Anyways, less than a month before I graduate I am told that I actually do have to be licensed to practice massage therapy starting the month I graduate but that the ciriculum taught did not include everything I needed to know to pass the national test , which i needed in order to get my license. So I graduate with a massage therapy certificate that month, knowing I couldnt do anything with it I didnt know what to do. The school refused to refund me, they said I could take a 3 hour refresher coarse for a few hundred dollars…….I shouldnt have to do that when I payed them 12,000 in tuition and cant even work. I signed up to take the test anyways. The school was going to pay for the first test. They end up giving me a different date than the actual testing center gave me so I missed it and my free test was gone. To take another one would cost alot of money……….knowing i would most likely fail I couldnt waste 200 bucks. I dont know ANYONE from that school who has graduate and working as a massage therapist.So they admit they didnt teach me what I needed to make it out there in that feild. I called them so many times asking for direction or anything because I was going to have to pay back student loans in 6 months. They never returned my calls, everytime I called the last person quit or got fired so I had to explain everything again. They werent willing to do anything. I got a defferment for a year. Now I am almost 23, expecting a baby any day now, not working due to my pregnancy and wont be working for at least another year and the student loans have come to haunt me. I have debt collectors calling and my husband shouldnt have the responsibility of paying MY loans. I dont know what to do, who to talk to, im not the kind of person to want to sue for 100,000 dollars…….I just feel like I got screwed in this entire deal and I dont want to be stuck with these loans that I cant pay. Now the school has NO massage therapy program anymore and no one knows anything. As if it never exsisted. I have no idea what i can do if I can do anything……..Any advice would be greatly appriciated.

I would like to get a debt consolidation loan for my outstanding debt from closed credit cards, old utility bills, etc

I have student loans, but I would like to consolidate them separatley and not through another loan.

Also, I have an auto loan, would the loan be able to cover that as well?

Please, real answers, and no opinions/judgements.

Thank You.

My husband and I just got married in August.
We got NO gift and NO card or Congrats from my MIL…Long story..
Anyways, We borrowed 100 dollars from her to pay for his Tux.
We were supposed to get his tux free,but long story short, we didn’t so we had to pay.
Our pay checks weren’t due in till the day of our Wedding..
We just said, You can just make the tux our gift (Thinking that she may give her only child a gift)….
I just Got a Card in the Mail Today from my Mother In Law and it read
Dear Children,
May peace break into your house and may thieves come and steal your debt(Speaking of the letter, I am deducting 100 from the debt you owe me in Lieu of Christmas Gifts (your tux) Love Mom.

Since my husband and I have been Together,
We have not received any gifts just stupid letters.
My MIL who makes 80K a year, Is spending 2 weeks in the Bahamas and she is So mad right now that we didn’t give her a Birthday gift or Christmas gift.

I feeling like writing a letter to my MIL saying.
Dear Mother in Law,
May peace break into your home and in Lieu of Christmas Gifts, In the past we Drove 30 miles to cut your grass every week, do your leaves and shovel your snow.
Merry Christmas.
Love Your Children.

Advice?
We are not Jealous that she gets to be in the Bahamas. Were upset by the way she is soo tacky and rude with everything.

She NEVER calls us, and when she does, She wants us to Fix this, install this, paint this. She has a Boyfriend that lives 3 miles away but Yet, We have to stop whatever were doing and come to her aid.
We are self sufficient.
We both work, My husband has a Great Career,
we at 21 and 23 Own our OWN house.
A bigger and better house then she has, and the only debt we have is some minor medical bills and student loans.
However 2 weeks before the wedding, we had some unforeseen expenses, a broken window that needed to be fixed and an last minute 500 dollar emergency vet bill that we had to pay.
Peace?
My 3 times Divocred Mother In Law, whose marriages lasted 3 years combine.
Is telling her Son that he needs peace? We have peace, and were madly in Love after more then three years.
Yes We did pay her back. We did.

I’m in my early twenties. I graduated with a B.A. I don’t have any money. I took out student loans to get the degree. I have a brain disorder that isn’t well controlled (no one’s fault). It’s hard for me to work 40 hours a week, and it’s nearly impossible for me to afford my medication (500 dollars a month).
Currently, I’m enrolled at community college, so that I can remain on my mother’s insurance. But that just takes out more time of my day that I could be spending working (but again, this is the cheapest way). Except, that I need to take out more loans for useless classes just so I can have a normal life.

I don’t know what to do. I don’t think I’m eligible for medicaid, because I live with my parents (I would like to move out, but I can’t afford it). I keep getting more in debt, trying to take my meds and live and work, but I just want to give up. I don’t even think I count as disabled because I can still work (as long as I have medicine).
It seems (please don’t attack me) that the best way would be for me to get pregnant so that I can get everything free (I live in NYS… and that’s apparently the way the system works).
I could get free housing, have insurance, and get free food.
I’ve done everything I was "supposed to do" in life, being careful, and trying hard, and it’s gotten me nowhere.

Please someone give me advice before I do something ridiculous.