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jmnaj1026 | Should i take a year off from school to establish good credit so i can get a loan without a cosigner? |
My parents refuse to cosign for a student loan and its impossible to get a loan without one and i have no credit. Will a year of good credit help me get a loan on my own ? |
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yums
 |
read tips and aricles on credit, loans and much more on this article |
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nggapleez
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no. don't waste your time. get right into school and get started. plus, school loan don't really affect yr credit. when i came out (after my second master's) i was 40k in the whole, and still got excellent credit rating...you don't need a cosigner for a student loan (or you shouldn't need one) |
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PatV
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Seek out your school's financial office.
1)Discuss work programs for students.
2)Student loans where parents are not available as co-signers (Just as if you were orphaned.)
3)Forget credit cards and "credit" improvement techniques. You're main focus should be finishing your education. Anything else will put you deeper in debt...
4) www.usajobs.gov is the website for federal positions. click on the Student section for more info on working while as student, for the federal government.
Good luck, and hang in there.... |
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elenanita
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do not take time off school. that is way more important than credit. try grants, scholarships, etc. you should be able to take a few classes and pay for them at a junior college for the first year. believe me, it is better to get the degree than the credit. |
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huh h
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Yes..
Strategies to Reduce Debt Quickly
http://www.complete-debt-info.com/category/Strategies-to-Reduce-Debt-Quickly.html |
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sara_busa
 |
Check with your school's financial aid office--they may have other options that could help you out.
From what I remember, I didn't have any credit when I got a loan through Sallie Mae, and I didn't use a co-signer. Check with different loan companies. I'm sure they see this situation fairly often. |
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pevehead
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get a credit card and a job and make a living.
**** school.
learn about things the interest you in your own time. and then become go at those things. self teach. |
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JALISCO
 |
Is it possible to take any courses on-line to avoid this problem?? unless your going to be a doctor after you finish school you may want to be careful about loans, they are very hard to repay, my brother in law is a dermatologists, got a school loan before and really it is unreal how much he makes a year, but it took him 5 years to repay that loan, so i suppose what I'm saying is unless you are really going for the big time pay in a field that is in high demand like medicine, work night jobs day jobs go to votec night school what ever but save early and start taking any classes that could help you in that field you are going into,then later when you are really in a university all the studies you did before will come back to save you and remember anything worth having is worth fighting for, just do it and work hard. |
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Tubleroo
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Dur!? |
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moquin747
 |
just apply for a low limit credit card (you want 2), a store charge card, and do what you can to make sure you're paying on time. don't use them too much, you don't want the balance to be over 50% of the max. you also don't want a new car loan or anything like that, because you start out basically maxed out on that loan, so you have to pay it down for a while before your credit recovers.
for most loans banks want to see 3 open "tradelines" which are just any open line or extention of credit. Banks tend to be more forgiving with school loans, but I would suggest talking to someone within the bank to get the specifics before you do anything. And whatever you need to do to stay in school do it. the longer you're out, the harder it is to go back.. until you're dirt poor and need a real job. |
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amber
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No, dont wait I did it and got more in debt then i was. The only kind of credit is good credit and its alot easier to get bad credit. Stay in school and get your career then worry about credit. |
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dawngrundmansphotography
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why would you need to "take a year off from school"? Unless of course you want to..They say though that if you leave school before finishing, the longer you are out the more likely it is you'll "Not" return at "Any" date, cause it's harder to recommit to it than ...sticking with it.
Why couldn't you do both...i mean lets think about it here...Apply for a "Gas Card", that is about the easiest of the credit cards for a "Newby" to attain. Or...Anything you purchase now...and pay for later...will help in establishing your credit.Any bill you pay on time, and pay off,,,will all add to your credit ratings. Small steps.. but see if you'd stay in school you'd know that...ha ha got ya. |
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bijan a
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you can get a loan with out good credit
--------------------------------------...
http://www.bestcreditrates.net |
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Claude
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I say if you are prepared to take a year off to get a good credit rating, why not rather use the time to make money.
Credit will cause you endless problems. Cash is King.
Trust me there are ways of making good money if you are smart & can work for it. Theres no quick way to make money. |
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pied piper
|
This article is for you:
Student Loan Consolidation
http://www.askaquery.com/question/Student-Loan-Consolidation.html |
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