Feb 14
Mark SingleyStudent Loans Q&A aftermath, amp, bad idea, beneficial, disability, dreams, fixed income, hurricane katrina, interest rates, Student Loans Q&A
That’s what many people tell me. Some say it’s beneficial, & others say it’s harmful & raises your interest rates. Because of Hurricane Katrina, I had to get student loans, going to 3 different schools (of course, during the period of the aftermath). I’m on a fixed income (disability), trying to improve my life. I don’t want to discharge my loans. I feel like I didn’t go to college for nothing, & I feel it’s MY duty to pay the loans back. I want to fulfill the dreams of my career, despite my disability. So is it a good or bad idea to consolidate, & how do I do it?
Jan 16
Mark SingleyOnline education amp, computer networking, local college, networking classes, public transportation, taking computer
I want to start taking Computer Networking classes and found some classes offered online by a local college in the area. This would be convenient for me because I use public transportation to go to school.
I’ve never taken any online classes before so I don’t know what to expect. What are the pros & cons to taking online classes? My main concern would be the hands on part of these type of courses. Any feedback would be appreciated…
Dec 22
Mark SingleyStudent Loans Q&A amp, armed forces, education, file taxes, negativity, student loan, thanks in advance, time being
Currently, I’m unemployed & I didn’t file taxes. I want to apply for an online college. So that, I can join the Armed Forces.
Things are so hard for me right now, but I refuse to succumb to the negativity. Is there anyway, I can apply for school & have a student loan cover it all?… For the time being that is… I’ll pay it off, once I’m the Armed Forces. All I need is a semester at the moment.
Please & Thanks in Advance
Yes, I know if I were to join the Armed Forces they’d pay for my education. Thing is, I need the credits before…
Dec 01
Mark SingleyStudent Loans Q&A amp, private loan, Student Loans Q&A
I’d like to consolidate my student loans (Federal Stafford Subsidized & Unsubsidized; SELF Loans) without applying for a private loan. Is this possible?
Nov 28
Mark SingleyOnline education amp, computer networking, local college, networking classes, public transportation, taking computer
I want to start taking Computer Networking classes and found some classes offered online by a local college in the area. This would be convenient for me because I use public transportation to go to school.
I’ve never taken any online classes before so I don’t know what to expect. What are the pros & cons to taking online classes? My main concern would be the hands on part of these type of courses. Any feedback would be appreciated…
Nov 28
Mark SingleyStudent Loans Q&A amp, financial aid, maximums, Student Loans Q&A, thanks for your help
Where (online) can I find information about the federal limits for Financial Aid & Student Loans. I know that schools are able to offer you differing amounts, but I am interested in seeing what the federal maximums imposed on the schools are. I hope that makes sense. Thanks for your help.
Nov 20
Mark SingleyStudent Loans Q&A agony, amp, collateral, consolidated loan, fixed rate, health professions student, health professions student loan, interest rate, interest reduction, interest thanks, med school, private company, rate interest, stud, tax bracket, thanks in advance, time payments, unsubsidized student loans
I graduated med school in 2000 with a ton of subsidized & unsubsidized student loans. I consolildated in 2001 and got a 7.75% fixed rate interest rate. I currently owe 9,000. 2 years ago, a private company "bought" my loan giving me a 1% rebate and an interest reduction from 7.75% to 7.25% after 36 on-time payments. I will qualify for the rate reduction next year. I am wishing or hoping there is some way I can refinance this loan to get a better interest rate. I do have a very small loan I never consolidated still outstanding (the principal is about 0). The smaller loan is a HPSL (health professions student loan). Does anyone know if I can reconsolidate my huge already consolidated loan and combining it with my tiny HPSL loan? If not, anyone have ANY suggestions on how I can get a lower interest rate? I do NOT own a home or have any collateral except my car. My income is 5,000/year. I pay ,000/mo on the stud loan. The interest I’m paying gnaws at me constantly.
I’m in a 25% tax bracket so am not taking home 5,000 by a long shot!! I’m taking home about ,000. And no matter how fast I pay it off, 7.75% interest is just so high. Really, I just want to know if there’s any way to get a lower interest rate without having a home as collateral. I don’t see how I can pay more than ,000/month and even at that rate, it’s still gonna take me five more years even with the reduction to 7.25 percent. I’m in agony over how much i’m paying in interest! Thanks in advance for any ideas.
Nov 14
Mark SingleyOnline education amp, e mail, software gadgets, thankyou
Just received this in my e-mail… http://classes.cnet.com/
is offerring FREE classes on just about everything I have wished to know about comps, software, gadgets, troubleshooting, etc.,…
Wanted to share with my R&S family first 
But…want to know…has anyone seen this before? Any good?
Thankyou everyone, advice well considered Eagle and all
Oct 23
Mark SingleyStudent Loans Q&A amp, bush, financial aid advisor, imf, international monetary fund, loans
What can I give the International Monetary Fund (the IMF) in exchange to partially forgive & refinance my loans?
Bush was my Financial Aid Advisor 
Sep 18
Mark SingleyStudent Loans Q&A amp, bus transportation, dusk, financial aid, leftover money, taxi, transportation system
What should I spend it on? It will be after school starts, & I will already have all my books & everything. I think I might get about ,000 or less back, & I really need the money, but I don’t know what to use it for. I would like to buy a used car for transportation to & from school, but someone told me I couldn’t use it for that. The bus transportation system SUCKS here in Denton, TX! It’s very ridiculous. It takes me 2 1/2 hrs. to get some place by bus that takes 5-10 minutes by car. Or do you think it would be easier if I take a cab every day? I estimated that would be like 0/month. I don’t know…but the bus would be free, but it’s dangerous to be taking the bus during dusk before 6 PM in order to get to a required 8 AM class. But @ the same time, you can’t rely on a taxi to be there when you want it to. So I guess I’m better off with a car. Financial Aid doesn’t ask you what you did with your money anyway. What else should I do with any leftover money?
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