stressed about tuition

I'm currently in school and to be honest I barely paid off this current semester. I've come to the conclusion that I need help and that I need to get loans. The problem is that I don't know where to go to get loans. The banks around here aren't an option. The last bank I talked to said that they wouldn't loan me anything less than 30,000 and for me thats too much. I only need $20,000 if that. My university told me that I don't qualify for financial aid through them so they say they can't help with the loans. They told me that in order to get loans or scholarships or stafford loans through them I'd have to qualify for financial aid, which I don't. I've talked to the school about it and they continue to tell me the same thing. My parents helping me definitely isn't an option. So my question is where do I go besides school and the bank for loans? I looked at sallie Mae online and was hoping to find some help there. I've also looked at the chase website but the problem with them is the same as the banks. Please help.

Each year there are thousands of dollars that go unclaimed in scholarship money. The problem is, you have to work to find the money! And you need the time to research where that money is.

They are usually in smaller dollar amounts, a few thousand here and there. And, they are normally for specific types of people -- those studying a particular subject; those with a specific background; those with a particular ancestry.... It's *not* all based on financial need and grade point average.

Go to the library and ask how to research college loans. Do it as soon as you can, though, cuz I don't know when the deadlines are. It will take time, and it will take effort. And I know you must have finals coming up. So, focus on those first, but then, get your rear in gear, as they say, and get to work finding that unclaimed money! It's there!

Oh yea, also ask the college about work study. there's usually some jobs available in the book store; the cafeteria or the library. That can help too. We always have to sing for our supper, ya know?

Good luck to you!

Peace!

Thanks but that won't work for me. I don't qualify for work study due to the fact that I don't qualify for financial aid through the school. On top of that I already have a job. I don't need a job. My job won't be enough to pay for tuition. And once again I can't get work study. I need help finding loans. I was just hoping that someone could tell me where to look online for loans. I don't want to look for scholarships. I need to know that I've got the money and I don't want to wait for some scholarship team to say whether or not I get it or not. I was just trying to find out where I could look online for loans. I guess I'll just research it on my own. I don't mean to be rude but I'm kind of frustrated with it all. I posted this same thing on another site and I got made fun of and then I get no answers. All I wanted was to find websites that I could look at loans. Loans not scholarships but loans.

Maymie, go to your school "office," even nose around their online site; my school has it all laid out for one, see if your school has similar options (see the sidebar on right, "10 Easy Ways. . ."):

http://www.umuc.edu/paymentoptions/

((((((((((((Maymie)))))))))))))

Whereabouts are you? Lots of loans are dependent on where you live. If you've got a specific bank, you can apply for a line of credit. It's not a *loan*... I've got one through CIBC that is $15K, and that's IT.

I'm guessing you're in the USA, so I don't have specific help, but I did go to Google:

http://studentaid.ed.gov/PORTALSWebA...lish/index.jsp
http://www.students.gov/STUGOVWebApp/Public

What about getting a second job? Or getting a better paying job? Asking your current employer for a raise, maybe?

What you SHOULD be looking for are grants. If you have a diagnosed disability, or mental condition, or are in a specific "group" (like Native American, etc) then you can qualify usually. You don't pay back a grant.

I don't know why you don't want to apply for scholarships. Yes, there's a lot of paperwork, but like dbkrous said, there are MILLIONS in dollars of unclaimed scholarships out there. Usually they just want someone to APPLY and then they get it! Some are based on financial need, which are worth it to apply for if you're needing the money. Put in the effort to apply, seriously. Some scholarships are based on volunteer activities, or field of study, extracurricular activities. There ARE those based on academic grades, but that's certainly not the only ones out there.

i like this web site

http://www.fastweb.com/

look and you shall find

Hey there, I've been doing this 30,000 a year thing for a while....
just a thought, if it's the type of loan that is sent directly to you immediately send $10,000 back toward the balance of the loan or put it in a CD for a while...

TheLionKingLives -- That's a really great idea. If you get 30,000 and only need 20,000, make uses of that extra 10,000. I like the idea of putting it in a CD or a savings account.

You also might want to try looking for loans that are specific to students. I believe that student loans dont need to be as big, and usually have deferred payment until some point after graduation. You dont need to use a bank that is in your home town (neither of my banks are). Google "student loans" and plenty of information comes up. Try this website for some basic information about loans and that should help you figure out where to go to get the type of loan you want:
http://www.finaid.org/loans/

Best of luck!
Ro