Looking for student loans

[Barrin6]

Do you guys have any advice or suggestions on how to get started on student loans? I'm currently looking at 10k/year tuition.

Thanks,

[XXXNoahXXX]

undergrad or grad?

income level?

parent income?

school?

full or part time?

stafford? perkins? gradplus?

[Barrin6]

My OP is a little insufficient so I would like to add that currently my parents are paying for school. And that they might bail on me soon. Also I haven't done the FAFSA form, but is that really necessary to get a student loan?

Thanks

[XXXNoahXXX]

[ QUOTE ]
My OP is a little insufficient so I would like to add that currently my parents are paying for school. And that they might bail on me soon. Also I haven't done the FAFSA form, but is that really necessary to get a student loan?

Thanks

[/ QUOTE ]

Barrin,

Yes. It really is necessary.

[Barrin6]

[ QUOTE ]
[ QUOTE ]
My OP is a little insufficient so I would like to add that currently my parents are paying for school. And that they might bail on me soon. Also I haven't done the FAFSA form, but is that really necessary to get a student loan?

Thanks

[/ QUOTE ]

Barrin,

Yes. It really is necessary.

[/ QUOTE ]

The thing with FAFSA is that if I apply right now, I can only apply for 2007-2008 july 31st - june xx

[XXXNoahXXX]

I'm assuming you're undergrad. This is probably going to be shocking advice, but maybe you should go meet with someone in the Financial Aid office. There are plenty of private lenders that you can get deferred loans from, assuming your parents will at least cosign.

Why are your parents going to cut off support?

[Barrin6]

[ QUOTE ]
undergrad or grad?
undergrad, currently in my 2nd year
income level?
<14k? I'm not factoring poker in this.
parent income?
Probably 100k+ combined
school?
university of irvine california
full or part time?
full time student with a part time job of around 16 avg hours per week
stafford? perkins? gradplus?

[/ QUOTE ]

Stafford i think

[NozeCandy]

[ QUOTE ]
I'm assuming you're undergrad. This is probably going to be shocking advice, but maybe you should go meet with someone in the Financial Aid office. There are plenty of private lenders that you can get deferred loans from, assuming your parents will at least cosign.

Why are your parents going to cut off support?

[/ QUOTE ]
Actually asking people designated to help students on campus with potentially life-changing questions? Get out of here.

[Barrin6]

Yea, probably smarter idea to ask the guys on campus. Thanks for the advice xxxnoahxxx

[XXXNoahXXX]

Another thing, if they tell you that you need to get a loan from a bank or outside lender, at rates not set by government or without the gov't subsidizing the interest while you're in school, shop around. Check out fatwallet and other sites for the best rates. Schools often have "preferred lenders" which basically means, the school gets some benefit for directing students there. This used to be worse, but it still exists since its easier for school if everyone has same lender, but might be worse for you.