Student Loan Questions » Lenders http://studentloanquestions.org Answers to all of your questions about student loans. Mon, 06 Feb 2012 12:05:43 +0000 en hourly 1 http://wordpress.org/?v=3.2.1 What lenders offer private student loans, when the school isn’t on the banks loan list? http://studentloanquestions.org/student-loans/what-lenders-offer-private-student-loans-when-the-school-isnt-on-the-banks-loan-list http://studentloanquestions.org/student-loans/what-lenders-offer-private-student-loans-when-the-school-isnt-on-the-banks-loan-list#comments Mon, 29 Aug 2011 17:37:59 +0000 The Bursar http://studentloanquestions.org/student-loans/what-lenders-offer-private-student-loans-when-the-school-isnt-on-the-banks-loan-list private student loans
by eyewash

Question posed by Dominique: What lenders offer private student loans, when the school isn’t on the banks loan list?
I found an art school that i want to go to, but they don’t accept financial aid and i can afford to pay the tuition on my own. Most of the banks i have looked at have a school list that they offer private loans too, and my school is not on any of the lists. So I was wondering if anybody knew of any lenders that don’t have a school list and are open to all colleges/ technical schools (Sf bay area)

My chosen answer:

Answer by matt m-h
Try a credit union.

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]]> http://studentloanquestions.org/student-loans/what-lenders-offer-private-student-loans-when-the-school-isnt-on-the-banks-loan-list/feed 0 are there any lenders that do federal student loan consolidation? not private loans? http://studentloanquestions.org/student-loans/are-there-any-lenders-that-do-federal-student-loan-consolidation-not-private-loans-2 http://studentloanquestions.org/student-loans/are-there-any-lenders-that-do-federal-student-loan-consolidation-not-private-loans-2#comments Thu, 30 Jun 2011 07:37:35 +0000 The Bursar http://studentloanquestions.org/student-loans/are-there-any-lenders-that-do-federal-student-loan-consolidation-not-private-loans-2 federal student loans
by Leader Nancy Pelosi

A question from chrissy: are there any lenders that do federal student loan consolidation? not private loans?
it seems like there aren’t any lenders that do federal student loan consolidation programs. Are there any out there? not private loans.so far it seems like the dept of ed has ended other programs. please help
thanks Ruth. Can you ask your relative if it was a federal loan?
New question, is it possible to debt consolidate federal student loans?? so there’s debt and then student loan consolidation.

Top answer:

Answer by Judy
I believe I read that you can not consolidate federal student loans.
Why would you want to? For convenience?
If you consolidate with a bank, you will only pay higher interest rates.
Convenience will never be worth that much money.
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]]> http://studentloanquestions.org/student-loans/are-there-any-lenders-that-do-federal-student-loan-consolidation-not-private-loans-2/feed 4 How do I switch lenders with my private student loans? http://studentloanquestions.org/student-loans/how-do-i-switch-lenders-with-my-private-student-loans http://studentloanquestions.org/student-loans/how-do-i-switch-lenders-with-my-private-student-loans#comments Fri, 17 Jun 2011 00:44:15 +0000 The Bursar http://studentloanquestions.org/student-loans/how-do-i-switch-lenders-with-my-private-student-loans private student loans
by Ron Sombilon Gallery

Question posed by boston: How do I switch lenders with my private student loans?
I just found out that Chase isn’t consolidating private student loans at this time, and the payments are too high. I would love to find another lender that does offer consolidation. thanks

Most detailed answer:

Answer by just not that
Your options are very limited and you would still need a cosigner with awesesome credit and a high income with a long stable employment history. The only ones I know that have done any private loans (maybe not consolidation loans) are Sallie Mae and Wells Fargo. Contact both of them and see if they can help.

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]]> http://studentloanquestions.org/student-loans/how-do-i-switch-lenders-with-my-private-student-loans/feed 0 Where can I find a list of lenders for bad credit student loans? I have no cosigner and bad credit.? http://studentloanquestions.org/student-loans/where-can-i-find-a-list-of-lenders-for-bad-credit-student-loans-i-have-no-cosigner-and-bad-credit http://studentloanquestions.org/student-loans/where-can-i-find-a-list-of-lenders-for-bad-credit-student-loans-i-have-no-cosigner-and-bad-credit#comments Thu, 16 Dec 2010 13:40:05 +0000 The Bursar http://studentloanquestions.org/student-loans/where-can-i-find-a-list-of-lenders-for-bad-credit-student-loans-i-have-no-cosigner-and-bad-credit bad credit student loans
by YoTuT

A question asked by Shaneka D: Where can I find a list of lenders for bad credit student loans? I have no cosigner and bad credit.?
I already have a stafford laon and financial aid but it is not enough to fund my education. Someone please help. I have searched the net for weeks and no helpful results. I keep getting the same results. I also am looking for no application fees or money upfront. I perviously got scammed.

The No 1 answer:

Answer by Skycam24
I wish I knew hun, if you/ when you find out, I’m looking this qeustion back up!

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]]> http://studentloanquestions.org/student-loans/where-can-i-find-a-list-of-lenders-for-bad-credit-student-loans-i-have-no-cosigner-and-bad-credit/feed 3 Where can I find the total of all my stafford loans? http://studentloanquestions.org/student-loans/where-can-i-find-the-total-of-all-my-stafford-loans http://studentloanquestions.org/student-loans/where-can-i-find-the-total-of-all-my-stafford-loans#comments Thu, 08 Apr 2010 07:42:59 +0000 The Bursar http://studentloanquestions.org/student-loans/where-can-i-find-the-total-of-all-my-stafford-loans
Curious asked:


I am trying to find out the total of my stafford loans. Is there a website that shows all loans by year? I have used different lenders throughout the years, but all have been federal stafford.

I thought I had been on a website like this before and I entered my SSN number and it showed all my loans. But I can’t find the link.

I am now in Graduate school so I have loans from undergrad and graduate school

thank you!

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]]> http://studentloanquestions.org/student-loans/where-can-i-find-the-total-of-all-my-stafford-loans/feed 1 Alternative Student Loans – Private Student Loans http://studentloanquestions.org/student-loans/alternative-student-loans-private-student-loans http://studentloanquestions.org/student-loans/alternative-student-loans-private-student-loans#comments Thu, 24 Dec 2009 20:55:47 +0000 The Bursar http://studentloanquestions.org/student-loans/alternative-student-loans-private-student-loans


Many students are awarded all types of financial aid and student loans that cover tuition. Unfortunately, college costs can far exceed the price of your class. Private student loans, or alternative loans, can help to bridge the gap between your financial aid, scholarships and living expenses.

Private student loans can be used for just about anything that you need while you are in school. You can use them for a laptop, car, food, and gasoline, whatever you need while you are in school. Many private student loans will allow you to defer payments on the loan until after graduation. This can be a big help when it comes to getting yourself through school.

You will need to do some comparison shopping before you apply for a private student loan. Compare rates, terms, perks and fees before you fill out an application. Some loans may require a hefty origination fee. Some may not offer deferred payments. Some will offer specials circumstance leeway with payments for future times of need. Educate yourself on the types of benefits you can receive from different types of private student loans before you apply.

Some students may get the idea to apply for as many loans as possible instead of doing the legwork and figuring out which private student loan is best before applying. This can be detrimental to your cause. This is because each application you put in reflects as a credit inquiry on your credit report, and can affect your credit rating. Your credit rating will determine whether or not you qualify for those better loans. So, do not jump the gun and just start filling out random applications, shop around and compare lenders before you commit.

Once you have your loan, stick to making payments on time, every time to protect your credit. Paying a loan on time can really help your credit score. Paying more than the minimum is also helpful. If you ever anticipate not being able to make a payment, call your lender right away. Keep in touch with them and make a concerted effort to resolve the situation. This could mean the difference in having a bad hit on your credit or keeping it blemish free. Do not ever blow off a loan payment. Every late payment goes on your credit. It can also cause you to lose good interest rates or other benefits.

Some private student loan lenders offer special reduced rates to customers that make on time payments for an extended period of time. One late payment could count you out of this special deal and could even cause your rate to increase.

Be wise and educate yourself about private student loans before you sign on the dotted line. Make sure that you know exactly how the payment plan works and work towards the goals of better rates and special deals. Keep your payments on time and your credit in check.

By: Evelyn A. Saunders

About the Author:
About the Author: Evelyn Saunders, a retired teacher, is the editor for student-loans.net, a provider of student loans and information on how to get private student loans as well as consolidation.

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]]> http://studentloanquestions.org/student-loans/alternative-student-loans-private-student-loans/feed 0 Stafford Loans? http://studentloanquestions.org/student-loans/stafford-loans http://studentloanquestions.org/student-loans/stafford-loans#comments Fri, 25 Sep 2009 03:08:12 +0000 The Bursar http://studentloanquestions.org/student-loans/stafford-loans
hopefulxxmommy asked:


How many stafford loans can i apply for at once and can i have more than one as long as they are from different lenders? I’m short on tuition for my next term and I have no co-signer for a student loan

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]]> http://studentloanquestions.org/student-loans/stafford-loans/feed 3 Can I apply for a college loan to pay for my rent? http://studentloanquestions.org/student-loans/can-i-apply-for-a-college-loan-to-pay-for-my-rent http://studentloanquestions.org/student-loans/can-i-apply-for-a-college-loan-to-pay-for-my-rent#comments Tue, 07 Jul 2009 10:25:52 +0000 The Bursar http://studentloanquestions.org/student-loans/can-i-apply-for-a-college-loan-to-pay-for-my-rent
Gregory asked:


I would like any info from anyone who has applied for a student loan in order to finance an apartment. Is this possible? I am considered as an ‘In State’ ‘Off Campus’ student . Names of lenders or organizations would be appreciated. Thanks!

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]]> http://studentloanquestions.org/student-loans/can-i-apply-for-a-college-loan-to-pay-for-my-rent/feed 6 how can one get rid of a student loan other than consolidation? Is there any way to negotiate a low payoff? http://studentloanquestions.org/student-loans/how-can-one-get-rid-of-a-student-loan-other-than-consolidation-is-there-any-way-to-negotiate-a-low-payoff http://studentloanquestions.org/student-loans/how-can-one-get-rid-of-a-student-loan-other-than-consolidation-is-there-any-way-to-negotiate-a-low-payoff#comments Wed, 01 Jul 2009 18:29:48 +0000 The Bursar http://studentloanquestions.org/student-loans/how-can-one-get-rid-of-a-student-loan-other-than-consolidation-is-there-any-way-to-negotiate-a-low-payoff
collie_brawny asked:


I hear that usually the lenders do not allow any renegotiation for a lower amount (other than the interest). And you cannot file bankruptcy due to the laws regarding student loans. Is there any other way out? Thanks to all who has any suggestions.

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