my student loan is current %26amp; up to date on being paid, but it's so much money (about $300 or more a month - it fluctuates because it's an adjustable interest rate) and i am having some money trouble right now and can't really afford it.. will they typically let me off on the payments for a few months without hitting my credit if i call them and speak with them about it??
Student loan - is there any way to "settle" a student loan??
You should definitely contact the lender if you think you will miss a payment or a few. If it's through a private lender, you probably won't get the same breaks as federal and state student loans. Sometimes they let you defer payments for a time period if you are unemployed or not making enough money to make full payments. This would not affect your credit. If you just don't make the payment(s), and don't contact the lender, then you will definitely see dings in your credit report.
Reply:If it is a Student Loan you may qualify for a Deferment or Forbearance. A Deferment is where you don't have to make any payments for a given amount of time, this amount is determined by your situation. It does not make the debt go away, it just delays when you have to pay on the loan. A Forbearance is where you pay a limited amount such as interest only, again for a given period of time. Both of these have different qualifications, but you should definitely talk to your lender and see if you do qualify for one of these programs. The worst thing you can do is just to stop paying on the loans and having it go into default.
Sunday, August 22, 2010
Student visa to UNITED KINGDOM?
are there any students who came to the UK on a student visa? could you please tell me the whole procedure at the embassy in your homecountry....do you have to have a specific saved amount in your bank...does it matter how much the course cost? what do they ask at the interview when you apply for the visa thank you
Student visa to UNITED KINGDOM?
You need a letter from a recognised college/school/university in UK proving that you have been offered a place.
You need to be able to show (when you apply for your visa and have an interview), that:
1. You can afford the course and living expenses. (This may include proof of your/your parents regular income as well as savings).
2. You have no intention of overstaying or seeking residence and becoming a burden on state funds
3. That you are of good character and clean record
4. That you understand the course you are registered for and convince the Entry Clearance Officer at the Embassy that you are capable and willing to attend and successfully complete the course.
You should allow a LONG time for the whole process. In many countries, it takes 4-6 months to process and obtain a visa (though it could be considerably less).
If you applied to your institution through an agent, I recommend you ask them to guide you through the process. British Immigration 'Services', like those of the US and other countries in my experience, tend to be inefficient and rude and treat all applicants as if they were scum. (presumably because Governements know only too well that foreigners cannot vote!)
Good luck, stick with it and you'll get your visa. Just try not to get too frustrated!
Reply:i am alredy study mass comnication in egypt and i will give too my friend
Student visa to UNITED KINGDOM?
You need a letter from a recognised college/school/university in UK proving that you have been offered a place.
You need to be able to show (when you apply for your visa and have an interview), that:
1. You can afford the course and living expenses. (This may include proof of your/your parents regular income as well as savings).
2. You have no intention of overstaying or seeking residence and becoming a burden on state funds
3. That you are of good character and clean record
4. That you understand the course you are registered for and convince the Entry Clearance Officer at the Embassy that you are capable and willing to attend and successfully complete the course.
You should allow a LONG time for the whole process. In many countries, it takes 4-6 months to process and obtain a visa (though it could be considerably less).
If you applied to your institution through an agent, I recommend you ask them to guide you through the process. British Immigration 'Services', like those of the US and other countries in my experience, tend to be inefficient and rude and treat all applicants as if they were scum. (presumably because Governements know only too well that foreigners cannot vote!)
Good luck, stick with it and you'll get your visa. Just try not to get too frustrated!
Reply:i am alredy study mass comnication in egypt and i will give too my friend
Student pilot license in usa?
Pls can u tell me which is the best academy in USA (somewhere near Maryland, recommended or any other place in USA) where i can i take my student pilot training courses as well as to obtain the license. Whenever i search it comes like private pilot license courses but i want student pilot license course. Pls help me out!!
Student pilot license in usa?
Well, the private pilot course is what you want, actually. You are a student pilot aiming to get your private pilot license. So, any place that gives flying lessons, like your local airport, will do! Search the net for this information. Type Maryland pilot school, or Maryland flight school into yahoo. teachmetofly.com is a place here in Ohio where I fly on the weekends. They can set you up in a place to live while you train for your private license and/or advanced ratings! Tell them Ed the Engineer sent you :)
tooth and nail
Student pilot license in usa?
Well, the private pilot course is what you want, actually. You are a student pilot aiming to get your private pilot license. So, any place that gives flying lessons, like your local airport, will do! Search the net for this information. Type Maryland pilot school, or Maryland flight school into yahoo. teachmetofly.com is a place here in Ohio where I fly on the weekends. They can set you up in a place to live while you train for your private license and/or advanced ratings! Tell them Ed the Engineer sent you :)
tooth and nail
Student visa extension and NI number.?
I am on a student visa and got a job with a company who always made me do more than the 20 hours a week for students.I stopped working with them since May 2007.My visa expires in December.Can the past records on my NI affect my visa extension?
Student visa extension and NI number.?
There is an organisation which used to be called Immigrants Advisory Service which can answer questions like these. You can still find them under this name in Yahoo search,which called up this website: http://www.ramproject.org.uk/imm_ad_ser....
Although in theory the Home Office can access NI and tax records to check things like that, they probably will not. The NI amount does not show how many hours you worked because it is related only to how much you earned. And since you are not working now, they are unlikely to bother about it. The UK financial year starts on April 6th, so your current year's NI record will only be April-May. The main thing is to get your visa extension application in, with the right fee and all the evidence you need - study place, good attendance record, exams you intend to take, funds to support yourself and what you will do afterwards (return to home country). Don't plan any overseas trips for at least two months after you apply - it takes ages, and while it is waiting to be processed, it will be buried where they cannot access it to speed it up.
Your college will have some who can advise you too.
Student visa extension and NI number.?
There is an organisation which used to be called Immigrants Advisory Service which can answer questions like these. You can still find them under this name in Yahoo search,which called up this website: http://www.ramproject.org.uk/imm_ad_ser....
Although in theory the Home Office can access NI and tax records to check things like that, they probably will not. The NI amount does not show how many hours you worked because it is related only to how much you earned. And since you are not working now, they are unlikely to bother about it. The UK financial year starts on April 6th, so your current year's NI record will only be April-May. The main thing is to get your visa extension application in, with the right fee and all the evidence you need - study place, good attendance record, exams you intend to take, funds to support yourself and what you will do afterwards (return to home country). Don't plan any overseas trips for at least two months after you apply - it takes ages, and while it is waiting to be processed, it will be buried where they cannot access it to speed it up.
Your college will have some who can advise you too.
Should I cancel my Student Credit Card ? Need Advice !?
Hi all, I have VISA student credit card that I had since my sophmore year in college which is 7 years ago. They started me out with $500 initially and now my credit line slowly increased over the years to $8500. I dont have a balance on it as i only charge my $35 monthly gym membership on it and pay off when bill comes.
I have another Credit card which is another VISA but it is a platinum with $20,000 credit line with $800 a balance. I only have 2 credit cards and they both are VISA, Im thinking about applying for a Master Card and cancel my VISA Student credit card. Will canceling the student credit card hurt me or not canceling it will help my credit as I ahve had this card for 7 years and NEVER once late payment. My credit score is 776 and I'm just trying to do my best to keep it in good shape. Please let me know if I should keep the Student Credit Card or Cancel Iit. Thanks for all your advice in advance.
PS: i heard it is good to have a Visa and a MasterCard for your credit?
Should I cancel my Student Credit Card ? Need Advice !?
Whatever you do, DON'T cancel the card. It will automatically drop your credit history. Some say it's okay, but it isn't.
What happens is it "un-ages" your history file. Since you never had a late payment, you always want that on your file.
Most people should have 2-3 cards. One with a high limit for emergencies and business expenses on trips. One with a low limit for normal monthly expenditures which they pay off easily every month. And a third for whatever they deem appropriate as long as they can manage it in a responsible way.
From what you've said, you have no problem with the responsibility, so don't ruin a perfectly good credit rating by killing your history, which is what creditors look at more than anything else.
Reply:You can visit http://www.debteraserzone.com and find very useful tips and several articles on credit card related matters. Report It
Reply:A credit score of 776 is EXCELLENT! Keep the card. In fact, I'd suggest calling into customer service and inquire about a Reward's Card. Most institutions now have airline, merchandise, auto or some other rewards based card. Keep in mind, you might have to pay an annual fee depending on the type of reward card. There are some reward cards that come with annual fee.
Great job on maintaining your credit score.
Reply:I would keep it and try for the master card, now dont start using both just becasue you have more line open. Keep on, the student visa looked up somewere and use it only for life or death, something happens at least you have a way out. Now for the new maserscard just use it for the gym memeber ship. Keep doint what your doing dont go spending crazy.
Reply:Go with what credit cards give you the best interest rate. Your credit score is excellent already, unless you start missing payments you should be fine. You score also goes down when your credit is checked, ie. new card, loan, or just checking the score. Again, unless you changing cards a couple times a year your good.
Reply:One thing that helps your credit is the length of time you've had credit. Since that's probably one of your oldest sources, yes, it could hurt your credit to cancel it. It also helps not to run high balances which you don't. My advice, is to ask VISA to lower your limit to $250-500 if you only use it for your gym membership and then put it away. You'll still have the length on there and you won't be going over the percentage to hurt your credit. Credit card companies love increasing your limits to encourage you to spend more. You can ask them to lower your limits.
Reply:Dont cancel your credit card to get another one. When you cancel a credit card, they will eventually( after 7 years or so)take that off your credit report and you will lose all that good credit history. When you open a new credit file (get a new credit card) your credit score goes down for at least 6 months while you establish credit with that card. If you do open a new account and close that old one, expect to not have a 776 credit score again for another 2 years.
about 2 years ago i had a credit score of 680.(bankrupcy and a judgement made it so low) I only had 2 credit cards. I got a third credit card and my mid score went to 610 just like that! My score is now up to 708 now after 2 years. My oldest card only has a 500 dollar limit and i never use it except to pay the 40 dollar per year fee. I would rather pay that fee than get rid of it and risk having my score go down. My other cards have over 10,000 limit and are the ones i use all the time, but like you i pay it off when the bill comes.
You have a 776 score. Dont mess it up as its really hard to get that high of a score. You are in the top credit rating to where you are suppose to get the best rates for home purchases, business loans and all that. Keep the student card and keep on doing what you are doing. If it aint broke, dont fix it. :)
Reply:I don't think it matters to your credit score if you have 2 Visas or one Visa and one MC.
What can affect your credit score is your available credit. Why in the world do you need 28,000 in credit if you carry balances the total less than 1,000? A bank could see that you have the potential to run up 27 grand in additional debt and reject you because of that. I'd close one of those cards. Transfer the gym membership or the balance to the one you will keep open.
I have another Credit card which is another VISA but it is a platinum with $20,000 credit line with $800 a balance. I only have 2 credit cards and they both are VISA, Im thinking about applying for a Master Card and cancel my VISA Student credit card. Will canceling the student credit card hurt me or not canceling it will help my credit as I ahve had this card for 7 years and NEVER once late payment. My credit score is 776 and I'm just trying to do my best to keep it in good shape. Please let me know if I should keep the Student Credit Card or Cancel Iit. Thanks for all your advice in advance.
PS: i heard it is good to have a Visa and a MasterCard for your credit?
Should I cancel my Student Credit Card ? Need Advice !?
Whatever you do, DON'T cancel the card. It will automatically drop your credit history. Some say it's okay, but it isn't.
What happens is it "un-ages" your history file. Since you never had a late payment, you always want that on your file.
Most people should have 2-3 cards. One with a high limit for emergencies and business expenses on trips. One with a low limit for normal monthly expenditures which they pay off easily every month. And a third for whatever they deem appropriate as long as they can manage it in a responsible way.
From what you've said, you have no problem with the responsibility, so don't ruin a perfectly good credit rating by killing your history, which is what creditors look at more than anything else.
Reply:You can visit http://www.debteraserzone.com and find very useful tips and several articles on credit card related matters. Report It
Reply:A credit score of 776 is EXCELLENT! Keep the card. In fact, I'd suggest calling into customer service and inquire about a Reward's Card. Most institutions now have airline, merchandise, auto or some other rewards based card. Keep in mind, you might have to pay an annual fee depending on the type of reward card. There are some reward cards that come with annual fee.
Great job on maintaining your credit score.
Reply:I would keep it and try for the master card, now dont start using both just becasue you have more line open. Keep on, the student visa looked up somewere and use it only for life or death, something happens at least you have a way out. Now for the new maserscard just use it for the gym memeber ship. Keep doint what your doing dont go spending crazy.
Reply:Go with what credit cards give you the best interest rate. Your credit score is excellent already, unless you start missing payments you should be fine. You score also goes down when your credit is checked, ie. new card, loan, or just checking the score. Again, unless you changing cards a couple times a year your good.
Reply:One thing that helps your credit is the length of time you've had credit. Since that's probably one of your oldest sources, yes, it could hurt your credit to cancel it. It also helps not to run high balances which you don't. My advice, is to ask VISA to lower your limit to $250-500 if you only use it for your gym membership and then put it away. You'll still have the length on there and you won't be going over the percentage to hurt your credit. Credit card companies love increasing your limits to encourage you to spend more. You can ask them to lower your limits.
Reply:Dont cancel your credit card to get another one. When you cancel a credit card, they will eventually( after 7 years or so)take that off your credit report and you will lose all that good credit history. When you open a new credit file (get a new credit card) your credit score goes down for at least 6 months while you establish credit with that card. If you do open a new account and close that old one, expect to not have a 776 credit score again for another 2 years.
about 2 years ago i had a credit score of 680.(bankrupcy and a judgement made it so low) I only had 2 credit cards. I got a third credit card and my mid score went to 610 just like that! My score is now up to 708 now after 2 years. My oldest card only has a 500 dollar limit and i never use it except to pay the 40 dollar per year fee. I would rather pay that fee than get rid of it and risk having my score go down. My other cards have over 10,000 limit and are the ones i use all the time, but like you i pay it off when the bill comes.
You have a 776 score. Dont mess it up as its really hard to get that high of a score. You are in the top credit rating to where you are suppose to get the best rates for home purchases, business loans and all that. Keep the student card and keep on doing what you are doing. If it aint broke, dont fix it. :)
Reply:I don't think it matters to your credit score if you have 2 Visas or one Visa and one MC.
What can affect your credit score is your available credit. Why in the world do you need 28,000 in credit if you carry balances the total less than 1,000? A bank could see that you have the potential to run up 27 grand in additional debt and reject you because of that. I'd close one of those cards. Transfer the gym membership or the balance to the one you will keep open.
Student loan forgiveness?
Is there student loan forgiveness programs for clergy? They often work in poor areas and do alot of community service. My friend is a pastor and she really works hard in a poor town and even started a food and clothing bank for the local families. She also is qualified and gives free counseling to those who need it and can't pay for it. Unforthunately most of her paycheck goes to student loans and leaves her with barely anything. Does anyone out there have any advice or ideas. Thanks!
Student loan forgiveness?
No, there are none out there specifically for members of the clergy. However, there are programs out there that will forgive a part of student loans in exchange for volunteer service in the local community. Another idea might be to consolidate the student loans together and extend the payment period which can lower the loan payment amounts. I will include some resources which should help. Good luck!
Reply:For God all is possible, you can!! I found interesting information about your answer, college loans with low interests, scholarships, college grants here. Goodhttp://all-student-loan-consolidation.bl... luck!
Student loan forgiveness?
No, there are none out there specifically for members of the clergy. However, there are programs out there that will forgive a part of student loans in exchange for volunteer service in the local community. Another idea might be to consolidate the student loans together and extend the payment period which can lower the loan payment amounts. I will include some resources which should help. Good luck!
Reply:For God all is possible, you can!! I found interesting information about your answer, college loans with low interests, scholarships, college grants here. Goodhttp://all-student-loan-consolidation.bl... luck!
Student loans...which one would be best?
My husband was just accepted into college. We got financial aid that covered half of it(about 5,000$) but we dont know how to get the other half. He doesnt qualify for grants or scholarships beacuse its only a 6 month certificate program. We could get a student loan from the school to cover the rest of the program, but it wont cover any outside expenses. Not even ones related to the program. Should he just go with the student loan from the school or try for one with an outside lender? He doesnt have good credit and I dont have any credit and our family isnt willing to cosign for us. What would be the best way to get the loan without a cosigner? Where would be the best place to get one? Should I try a bank or a company like Sallie Mae?
Student loans...which one would be best?
Aww..Im sorry to hear that. I know, there are many ppl who cant pay for it and Im sorry. I think you should try to find a bank and get the money. I know it isnt much of a good answer but, good luck on finding ur loans =] ^^
Reply:Go with the loans with the school...those are federal. For a private loan through a student loan lender its strictly based off creditworthy borrowers...u might have better luck with a bank for additional loans.
teeth grills
Student loans...which one would be best?
Aww..Im sorry to hear that. I know, there are many ppl who cant pay for it and Im sorry. I think you should try to find a bank and get the money. I know it isnt much of a good answer but, good luck on finding ur loans =] ^^
Reply:Go with the loans with the school...those are federal. For a private loan through a student loan lender its strictly based off creditworthy borrowers...u might have better luck with a bank for additional loans.
teeth grills
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