Is it wise to consolidate student loans thru sallie mae when you took them out with them in the first place?

Is it wise to consolidate student loans thru sallie mae when you took them out with them in the first place?

I understand all consolidation rates are set by the gov. so it shouldn't make any difference who you use to consolidate with.

*** Best Answer - Chosen By Voters

While your base interest rates will be the same no matter who you consolidate with, many companies offer borrower benefits to help you further lower your payments.

These benefits include lowering the interest rate right when you consolidate, offering you staggered interest rate reductions based on your on-time payment history, or even up-front principal loan deductions (where they forgive a small portion of your loan amount.)

Do your own research - there are hundreds of student loan consolidators out there, many are "fly by night" internet start-ups. I am not a fan of Sallie Mae but they are a reputable company and since your loans are with them see what they will offer.

Also check with your school's financial aid office or website. Many schools will offer a list of consolidation lenders that will not include the smaller companies that market through spam, yahoo answers, etc. Or better yet, check a few school's websites. If you see a couple of lenders that are consistently listed, they may be a good one to look at.

PS Interest rates remained relatively flat from January 1 to April 1. We cannot predict what will happen on July 1 but we don't expect a big swing in either direction, so don't necessarily be in a rush.

Good luck!

*** Go with whoever offers the lowest rate. There IS a difference. And rates are going up.
*** You are correct when you say that the consolidation rates are set by the federal government. Student loan companies are not allowed to offer a different interest than what the federal government sets the interest rate at, which is based off the T-bill.

Student loan companies DO offer borrower benefits. These do differ on a company to company basis, but there are two main borrower benefits that are offered.

Do to the fact that based on all economic indicators right now it appears that interest rates may be increasing after July 1st I would suggest getting yourself locked in at your lowest interest possible as soon as possible.

Business School Graduate Loan Program

Federal and Alternative Student Loans for Business School

Your financial aid award package will tell you what types of education loan programs you are eligible to accept. If you have remaining unmet need, you may need private "alternative" education loans to cover all your expenses. Your school's financial aid office can help you determine which programs are right for your unique situation.

Graduate Alternative Business School Student Loans

When scholarships and Federal loans are not enough, the GradLoans Alternative Student Loan for Business Students is here to bridge the gap of the cost of your education. Specially created for graduate students and families with unmet financial need, our goal is to make education possible!

from:http://www.gradloans.com/business_school_loans/

MBA Loans for Students in Business School

Stafford and Alternative MBA Student Loans

Your financial aid award package will tell you what types of education loan programs you are eligible to accept. If you have remaining unmet need, you may need private "alternative" education loans to cover all your expenses. Your school's financial aid office can help you determine which programs are right for your unique situation.

MBA Loan Options

• Stafford MBA Loan - Federal
• Alternative MBA Loan - Private

Graduate Alternative MBA Student Loans

When scholarships and Federal loans are not enough, the GradLoans Alternative Student Loan for MBA Students is here to bridge the gap of the cost of your education. Specially created for graduate students and families with unmet financial need, our goal is to make education possible!

Why is the GradLoans Alternative Student Loan for MBA Students so unique?

• Fast online approvals
• Low interest rates and fees
• High approval rating
• High annual maximums
• A variety of repayment options (immediate, interest only, or full deferment until you leave school)
• No application fee or out-of-pocket expenses
• You can use this loan to cover any education related expenses, including transportation, computers, books and room and board
• 24/7 online account status access

How do I qualify?

• You must be a U.S. Citizen; or
• Permanent resident with a valid permanent-resident card; or
• An international student, applying with a U.S. citizen or permanent resident Co-Borrower; or
• An international student with a U.S. citizen or permanent resident applying on your behalf.
• Be at least 18 years old, or the age of majority in your state;
• Be enrolled at least half time at an eligible institution;
• Meet our criteria for creditworthiness. If you do not meet our criteria, please consider applying with a creditworthy co-borrower.

How much can I borrow?

• Annual minimum of $1,500
• Annual maximum of the lesser of $70,000 or cost of attendance minus other aid

Degree Program	Cumulative Loan Limit	Limits for each Academic Year
MBA	$1,500 - $120,000	Cost of Attendance Minus other Aid
Dentistry	$1,500 - $225,000	Cost of Attendance Minus other Aid
Law School	$1,500 - $130,000	Cost of Attendance Minus other Aid
Medicine	$1,500 - $225,000	Cost of Attendance Minus other Aid
Osteopathic	$1,500 - $130,000	Cost of Attendance Minus other Aid
All Others	$1,500 - $130,000	Cost of Attendance Minus other Aid
Nursing School Loans	$1,500 - $120,000	Cost of Attendance Minus other Aid

What is my interest rate going to be?

In School Rates as low as

• LIBOR + 3.75% (Immediate Interest and Principal Repayment)
• LIBOR + 3.75% (Immediate Interest and Deferred Principal Repayment)
• LIBOR + 4.15% (Both Deferred Interest and Principal Repayment)

Repayment Rates as low as

• LIBOR + 4.30% (Immediate Interest and Principal Repayment)
• LIBOR + 4.40% (Immediate Interest and Deferred Principal Repayment)
• LIBOR + 4.50% (Both Deferred Interest and Principal Repayment)

Choose your reward!

• .25% interest rate reduction if you choose to have your loan payment automatically deducted from your bank account or if you make 48 consecutive on-time payments

What else sets the GradLoans Alternative Student Loan for Dental Students apart from the rest ?

• Low minimum monthly payment of $50
• Full deferment and forbearance options available while in school, working towards a residency or internship, unemployed or experiencing an economic hardship, serving in the military or needing an administrative forbearance
• 6 month grace period before repayment begins
• Fees as low as 0%
• 20 year repayment for Dental School loan, 15 years for all others

Annual Percentage Rate (APR) and Repayment Example:

If you borrowed $10,000 in a single installment, the 3 month LIBOR remained constant at 3.42% and you had a 24-month combined in-school and 6 month grace period with a 180-month repayment period, your possible APR and repayment schedules are shown below. Your annual percentage rate may increase or decrease after consummation.

Repayment Option	Origination Fee	APR	In School & Grace Period	Repayment Period
Immediate Interest and Principal Repayment	0%	6.24%	30 payments of $84.39	150 payments of $86.13
Immediate Interest and Deferred Principal Repayment	0%	6.26%	30 payments of $50.00	180 payments of $86.43
Both Deferred Interest and Principal Repayment	3%	6.60%	30 payments of $0.00	180 payments of $103.40

Graduate Loans for Nursing School

Stafford Loan and Private Alternative Student Loans to fund your Degree in Nursing

Your financial aid award package will tell you what types of education loan programs you are eligible to accept. If you have remaining unmet need, you may need private "alternative" education loans to cover all your expenses. Your school's financial aid office can help you determine which programs are right for your unique situation.

Colleges handle financial aid in different ways. They can participate in different programs and have different processing deadlines. Each school adopts a federal loan program - either the Federal Family Education Loan Program (FFELP) or the Direct Loan Program. Both programs are governed by federal regulations that determine the loan programs, loan limits, and repayment options. In the FFELP, private lenders provide the loan funds and work with guarantors to back the loans. In the Direct Loan Program, the government provides the loan funds "directly" to the school.

Keep in mind that federal loans with the lowest interest rates and with the most options for deferring payment are awarded to those with the greatest need. Various loan types are available. You may not be eligible for all of the loan programs - your school's financial aid office determines your eligibility for both loan and non-loan programs.

There are a variety of low-interest loans and other aid programs available to graduate students through the FFELP and Direct Loan Program. Many are similar to the undergraduate yet with higher annual loan limit amounts. Others are unique to a graduate student's specific area of study. In addition, many lenders offer private loans to meet graduate need.

Graduate Loan Application for Nursing School
800-926-2716

Law Bar Exam Loan Funds

Graduated from Law school and studying for the Bar Exam? The GradLoans Bar Loan is here to bridge the gap until you get that high paying job you have been working so hard for. Specially created for graduate students, our loan program will help you help yourself!

Why is the GradLoans Bar Loan so unique?

• Fast online approvals | High approval rating
• Low interest rates and fees
• High annual maximums
• A variety of repayment options
• No application fee or out-of-pocket expenses
• You can use this loan to cover any education related expenses, including transportation, computers, books and room and board
• 24/7 online account status access

How do I qualify for access to the Bar Loans?

• You must be a U.S. Citizen; or
• Permanent resident with a valid permanent-resident card; or
• An international student, applying with a U.S. citizen or permanent resident Co-Borrower
• Be at least 18 years old, or the age of majority in your state;
• Be enrolled at least half time at an eligible institution;
• Meet our criteria for creditworthiness. If you do not meet our criteria, please consider applying with a creditworthy co-borrower.

How much can I borrow?

Loan Program	Cumulative Loan Limit	Limits for each Academic Year
Law School Loan	$1,500 - $130,000	Cost of Attendance Minus other Aid
Law Bar Exam Loan	$1,500 - $15,000	One time loan

What is my interest rate going to be?

In School Rates as low as

• LIBOR + 3.75% (Immediate Interest and Principal Repayment)
• LIBOR + 3.75% (Immediate Interest and Deferred Principal Repayment)
• LIBOR + 4.15% (Both Deferred Interest and Principal Repayment)

Repayment Rates as low as

• LIBOR + 4.30% (Immediate Interest and Principal Repayment)
• LIBOR + 4.40% (Immediate Interest and Deferred Principal Repayment)
• LIBOR + 4.50% (Both Deferred Interest and Principal Repayment)

Choose your reward!

• .25% interest rate reduction if you choose to have your loan payment automatically deducted from your bank account or if you make 48 consecutive on-time payments

What else sets the GradLoans Bar Loan apart from the rest?

• Low minimum monthly payment of $50
• Full deferment and forbearance options available while in school, working towards a residency or internship, unemployed or experiencing an economic hardship, serving in the military or needing an administrative forbearance
• 6 month grace period before repayment begins
• Fees as low as 0%

Annual Percentage Rate (APR) and Repayment Example:

If you borrowed $10,000 in a single installment, the 3 month LIBOR remained constant at 3.42% and you had a 24-month combined in-school and 6 month grace period with a 180-month repayment period, your possible APR and repayment schedules are shown below. Your annual percentage rate may increase or decrease after consummation.

Repayment Option	Origination Fee	APR	In School & Grace Period	Repayment Period
Immediate Interest and Principal Repayment	0%	6.24%	30 payments of $84.39	150 payments of $86.13
Immediate Interest and Deferred Principal Repayment	0%	6.26%	30 payments of $50.00	180 payments of $86.43
Both Deferred Interest and Principal Repayment	3%	6.60%	30 payments of $0.00	180 payments of $103.40

Graduate Loan Applications for Law School
877-328-1565

gradloans Law School Loan Forgiveness and Cancellation

Law School Loan Forgiveness and Cancellation

Many people enter law school with a deep commitment to ensuring access to justice and the courts for all persons. Yet, upon graduation, they find that they must forego their laudable aspirations in public interest in light of the significant legal education debt required to graduate. Studies show that most graduates of law school have a combined debt from undergraduate and graduate studies in excess of $80,000, or loan payments of more than $1,100 a month. Only those students with debt burdens half that size tend to enter public interest positions, where the median starting salary is $36,000, which does not include regular raises, health care, retirement savings or other such benefits. Not surprisingly, a recent study found that law school debt prevented 66% of student respondents from entering public interest positions. According to legal service providers, many new lawyers are unable remain in such positions for more than a couple of years, adversely affecting the professionalism and expertise their offices are able to deliver.

Student Loan Consolidation is one option but does not reduce the overall debt load. To assist people committed to public interest work, state and federal governments have established a few limited loan cancellation or forgiveness programs. While these would be of great assistance to appropriate lawyers or legal service providers, lawyers are not currently eligible to participate in the majority of such programs. Many members of Congress oppose including lawyers in these programs because they believe loan forgiveness should be targeted only to persons entering traditionally low paying occupations, occupations that have severe shortages, or occupations related to a national need. They suggest lawyers should work in a large firm for several years to pay back their loans on an expedited basis if they wish to pursue a public interest career subsequently. However, this view not only discounts the value of this work and the law graduate's commitment to the issues, but it ignores the highly-competitive market for such high paying positions even for those who might be inclined to pursue the option.

In 2001, to study the issue in-depth, the American Bar Association formed the Commission on Loan Forgiveness and Repayment Assistance. Two years later, the Commission issued a report including steps that government and law school officials could take to address the situation. A complete copy of the report and its recommendations can be found here. Following the introduction of a dozen bills in the 108th Congress that would have benefited lawyers in public service positions, none were approved. The bills included various proposals supported by the ABA Commission report, including straight loan forgiveness programs, favorable tax treatment for student loan payments, as well as proposed amendment the "income contingent repayment option" of the Federal Direct Student Loan Program to accelerate forgiveness under that program for those in public service positions.

Status

On February 14, 2005, Sen. Kennedy (D MA) introduced S.371 that would make various amendments to the Higher Education Act, including amendment of the Income Contingent Repayment Option to benefit public interest lawyers and others. The bill would provide forgiveness after 10 years, following 120 consecutive payments by graduates in qualifying jobs. On March 15, 2005, Rep. Andrews (D NJ) introduced HR1293 that proposes various amendments to the Higher Education Act including a change to the Income Contingent Repayment Option that would provide forgiveness after 15 years for eight years service in qualifying public interest positions. Congressman Andrews also introduced HR1753, a bill to provide direct relief to public interest lawyers; and HR2527 to give public interest lawyers an extended deferment before their obligation to pay on their appropriate loans comes due following graduation. However, no provision for lawyer student loan relief was included in the House bill to reauthorize the Higher Education Act (HR609), the primary vehicle for such legislation. HR609 was ultimately incorporated into the House Budget bill HR4241 where it went on to approval in the House 217-215. In the Senate, Senator Kennedy's ICR proposal was included in a bipartisan Senate bill to reauthorize the Higher Education Act, S1614. That bill was subsequently added to the Senate budget reconciliation bill, S1932, on October 27, 2005 where it passed the Senate 52-43 and a congressional conference to resolve differences between these bills including HEA is pending.

The American Bar Association also supports other legislation to benefit lawyers seeking loan forgiveness including HR 198 by Rep. David Scott (D GA) to provide loan forgiveness for prosecutors and public defenders as would S.2032 by Sen. Richard Durbin (D-IL). And Senator Mike DeWine (R-OH) introduced S.1431 to provide loan

ABA Policy

The ABA urges law schools, state and local bar associations, and federal and state lawmakers to establish Loan Assistance Repayment, Loan Forgiveness, and Income-Sharing Programs for law school graduates accepting low-paying, legal, public interest employment.

Certain changes should also be made to the Federal student loan program to help alleviate the debt burden for law students. The ABA supports an increase to at least $30,000 in the amount of unsubsidized Stafford loans that a graduate or professional student may borrow annually. The ABA also strongly supports improvements to the income-contingent repayment option of the William D. Ford Federal Direct Loan Program. Congress should provide forgiveness after 15 years for those who have spent a specified number of years in full-time public service. It should also eliminate or reduce the program's marriage penalty.

The ABA also supports amending the Internal Revenue Code to permit employers to provide a benefit for their employees to repay qualifying educational loans with pre-tax dollars.

Key Points

• It is a worthy pursuit to lower the financial barriers presented to these graduates who desire to ensure rights and justice for those less fortunate in our society.
• Students who borrow for law school are graduating with an average educational debt between $70,000 and $80,000 with monthly payments averaging $1,100. The median public interest legal salary is approximately $36,000, which often does not include regular raises, health care, retirement savings or other such benefits. Clearly, the average law school graduate carrying a typical educational debt will face tremendous financial burdens upon entering the comparatively lower paying field of public interest law.
• This disparity between public interest and government salaries and the tremendous debt burden faced by a majority of law school graduates effectively precludes many young lawyers from pursuing a career in public service.
• The need for legal services attorneys in America has never been greater, over 80% of the civil legal needs of the poor are not being met.
• The federal government's loan forgiveness programs are severely limited in scope and impact. Despite the great need for legal services providers, lawyers are not eligible to participate in most of the current federal government loan forgiveness programs.
• The current $18,500 cap on Stafford loans for graduate and professional students is insufficient. This amount, set by Congress in 1992, has not been adjusted for over ten years and doesn't reflect rises in inflation or tuition rates since that time. For many students, the capped amount of $18,500 does not even cover the annual cost of tuition, much less for living expenses and incidentals. Therefore, students must also borrow from private lenders, at much higher interest rates, to cover the cost of their education.
• The 25 year repayment term currently in effect for the income contingent repayment option under the Federal Direct Loan Consolidation Program discourages graduates from electing this option, as does the option's built-in marriage penalty. Congress should change the law to eliminate the marriage penalty and allow forgiveness of a borrower's remaining debt after 15 years of repayment, rather than 25, once a specified number of years have been spent in full-time public service during the repayment period.

Law School Loan Rates-Alternative Student Loans for Law School

Alternative Student Loans for Law School

When scholarships and Federal loans are not enough, the GradLoans Alternative Law School Loan bridges the gap of the cost of your education. Specially created for law students with unmet financial need, our goal is to make your education dream a reality!

Why is the GradLoans Alternative Law Loan so unique?

• Fast online approvals | High approval rating
• Low interest rates and fees
• High annual maximums
• A variety of repayment options (immediate, interest only, or full deferment until you leave school)
• No application fee or out-of-pocket expenses
• You can use this loan to cover any education related expenses, including transportation, computers, books and room and board
• 24/7 online account status access

How do I qualify for the Law Loan?

• You must be a U.S. Citizen or Permanent resident with a valid permanent-resident card; or
• An international student, applying with a U.S. citizen or permanent resident Co-Borrower
• Be at least 18 years old, or the age of majority in your state;
• Be enrolled at least half time at an eligible institution;
• Meet our criteria for creditworthiness. If you do not meet our criteria, please consider applying with a creditworthy co-borrower.

How much can I borrow?

• Annual minimum of $1,500
• Annual maximum of the lesser of $50,000 or cost of attendance minus other aid

Degree Program	Cumulative Loan Limit	Limits for each Academic Year
Dentistry	$1,500 - $225,000	Cost of Attendance Minus other Aid
Law Loan	$1,500 - $130,000	Cost of Attendance Minus other Aid
Medicine	$1,500 - $225,000	Cost of Attendance Minus other Aid
Osteopathic	$1,500 - $130,000	Cost of Attendance Minus other Aid
All Others	$1,500 - $130,000	Cost of Attendance Minus other Aid

What is my interest rate going to be?

In School Rates as low as

• LIBOR + 3.75% (Immediate Interest and Principal Repayment)
• LIBOR + 3.75% (Immediate Interest and Deferred Principal Repayment)
• LIBOR + 4.15% (Both Deferred Interest and Principal Repayment)

Repayment Rates as low as

• LIBOR + 4.30% (Immediate Interest and Principal Repayment)
• LIBOR + 4.40% (Immediate Interest and Deferred Principal Repayment)
• LIBOR + 4.50% (Both Deferred Interest and Principal Repayment)

Choose your reward!

• .25% interest rate reduction if you choose to have your loan payment automatically deducted from your bank account or if you make 48 consecutive on-time payments

What else sets the GradLoans Alternative Student Loan apart from the rest?

• Low minimum monthly payment of $50
• Full deferment and forbearance options available while in school, working towards a residency or internship, unemployed or experiencing an economic hardship, serving in the military or needing an administrative forbearance
• 6 month grace period before repayment begins
• Fees as low as 0%

Annual Percentage Rate (APR) and Repayment Example:

If you borrowed $10,000 in a single installment, the 3 month LIBOR remained constant at 3.42% and you had a 24-month combined in-school and 6 month grace period with a 180-month repayment period, your possible APR and repayment schedules are shown below. Your annual percentage rate may increase or decrease after consummation.

Law School Loan Repayment Option	Origination Fee	APR	In School & Grace Period	Repayment Period
Immediate Interest and Principal Repayment	0%	6.24%	30 payments of $84.39	150 payments of $86.13
Immediate Interest and Deferred Principal Repayment	0%	6.26%	30 payments of $50.00	180 payments of $86.43
Both Deferred Interest and Principal Repayment	3%	6.60%	30 payments of $0.00	180 payments of $103.40

Graduate Loan Applications for Law School
877-328-1565

Law School Loan Program for Law Students

Your Law School financial aid award package will tell you what types of education loans you are eligible to accept, including federal education loans. If you have remaining unmet financial need, you may need "alternative" law school loans to cover all your expenses. Your school's financial aid office can help you determine which programs are right for your unique situation.

Federal Stafford Loan for Law School

• Learn more about Stafford loans for law school by visiting Graduate Stafford Loan information section or you can
• Apply Online - Federal Stafford Loan Application

Graduate Private Alternative Law School Loans

When scholarships and Federal loans are not enough, the GradLoans Alternative Student Loan for Law Students is here to bridge the gap of the cost of your education. Specially created for graduate students and families with unmet financial need, our goal is to make education possible!

• Fast online approvals
• Low interest rates and fees
• High approval rating
• High annual maximums
• A variety of repayment options (immediate, interest only, or full deferment until you leave school)
• No application fee or out-of-pocket expenses
• You can use this loan to cover any education related expenses, including transportation, computers, books and room and board
• 24/7 online account status access

How do I qualify for GradLoans Law School Loans?

• You must be a U.S. Citizen or Permanent resident with a valid permanent-resident card
• An international student, applying with a U.S. citizen or permanent resident Co-Borrower
• An international student with a U.S. citizen or permanent resident applying on your behalf.
• Be at least 18 years old, or the age of majority in your state;
• Be enrolled at least half time at an eligible institution;
• Meet our criteria for creditworthiness. If you do not meet our criteria, please consider applying with a creditworthy co-borrower.

How much can I borrow for law school?

• Annual minimum of $1,500
• Annual maximum of the lesser of $70,000 or cost of attendance minus other aid

Degree Program	Cumulative Loan Limit	Limits for each Academic Year
Law School Loan	$1,500 - $130,000	Cost of Attendance Minus other Aid
Law Bar Exam Loan	$1,500 - $15,000	One time loan

What is my interest rate going to be?

In School Rates as low as

• LIBOR + 3.75% (Immediate Interest and Principal Repayment)
• LIBOR + 3.75% (Immediate Interest and Deferred Principal Repayment)
• LIBOR + 4.15% (Both Deferred Interest and Principal Repayment)

Repayment Rates as low as

• LIBOR + 4.30% (Immediate Interest and Principal Repayment)
• LIBOR + 4.40% (Immediate Interest and Deferred Principal Repayment)
• LIBOR + 4.50% (Both Deferred Interest and Principal Repayment)

Choose your reward!

• .25% interest rate reduction if you choose to have your loan payment automatically deducted from your bank account or if you make 48 consecutive on-time payments

What else sets the GradLoans Alternative Student Loan for Law Students apart from the rest?

• Low minimum monthly payment of $50
• Full deferment and forbearance options available while in school, working towards a residency or internship, unemployed or experiencing an economic hardship, serving in the military or needing an administrative forbearance
• 6 month grace period before repayment begins
• Fees as low as 0%
• 15 year repayment term

Annual Percentage Rate (APR) and Repayment Example:

If you borrowed $10,000 in a single installment, the 3 month LIBOR remained constant at 3.42% and you had a 24-month combined in-school and 6 month grace period with a 180-month repayment period, your possible APR and repayment schedules are shown below. Your annual percentage rate may increase or decrease after consummation.

Repayment Option	Origination Fee	APR	In School & Grace Period	Repayment Period
Immediate Interest and Principal Repayment	0%	6.24%	30 payments of $84.39	150 payments of $86.13
Immediate Interest and Deferred Principal Repayment	0%	6.26%	30 payments of $50.00	180 payments of $86.43
Both Deferred Interest and Principal Repayment	3%	6.60%	30 payments of $0.00	180 payments of $103.40

Graduate Loan Applications for Law School
877-328-1565

Is non-payment of unsecured credit card loans an alternative to bankruptcy?

Is non-payment of unsecured credit card loans an alternative to bankruptcy?

I cannot do debt consolidation. I would rather not declare bankruptcy. A dishonest ex-husband dumped his debts on me when he shocked me by divorcing me two years ago after 14 years of marriage. This was in TEXAS.

Best Answer - Chosen By Voters

In Texas, they cannot garnish your wages. The statute of limitation is four years. You have no legal obligation to pay anything that is older than than.
Most likely your debts have been purchased by junk debt buyers for pennies on the dollar. They cannot do anything without a judgmet. If they threaten to sue you can offer them a settlement for a fraction of the original debt.

Other Answers

*** sure that's an alternative, until they start garnishing your wages. now that's a real bummer.

*** It is not the same at all. Why can't you do debt consolidation. Why don't you get a job? Go to a bank, call your cc company, do what you need to do. If you just don't pay your bills, guess what? The balances will keep going up, you'll always get creditors calling you, you'll demolish your credit rating. Go talk to a bankruptcy attorney and see what your options are. Depending on how much money you owe, there may be a way out. But not paying versus bankruptcy aren't even comparable, you can't say an alternative, they are two completely different things.

*** Well, in Canada they call it a consumer proposal and it is not really as bad as a bankruptcy, but your creditors agree to take x amount of cents on the dollar. You then have a monthly payment for a few years and then once you are finished, the debts are gone.
As for your ex leaving you with debt it is only your debt if you are jointly liable.

*** I don't know anything about Texas laws. I do know that if you can't do debt consolidation you are better off filing bankruptcy. Your credit score will actually improve because you won't have a bunch of judgements or late pays on your credit. All of the derogitory items then show up under one thing (bankruptcy). By the way you never know what may creep up w/ an ex. Be sure of everything your names were on together and get a credit report to see if there's anything on there you don't know about. All of your credit will remain good if you continue to pay your bills on time. There are alot of creditors that make you wait 2 years after your bankruptcy has been discharged before you can get any large credit (like buying a house) . I think you'll be fine. Good luck.

*** Can't you take your ex to small claims court to get his half of the debt? why are you letting this loser get off scot free. Sister, there are millions of stories like yours and women just seem to sit back and bear the burden. I would take his *** to court and maybe even report him for fraud. If you don't plan to consolidate and you already know bankruptcy is really only for an extreme situation. What you gonna do but pay the debt in full. You can try negotiating with the creditors to see if they will take some off, but from what you are saying here, you are going to have to foot the bill love. You really should take legal action against this man though.

*** If you don't file for bankruptcy, the creditors may or my not file a lawsuit against you to collect the the money owed. The negative information will be on your credit for up to 7 years. Your accounts may be turned over to a collection agency and you may need to deal with the phone calls and the letters. If the creditors do sue and get a judgment, you may have to deal with their judgment collection efforts: putting a lien on your home, gong after your bank accounts, etc.

*** A bankruptcy can stop all of this and eliminate all (or most) of the debt. It is just a matter of what you are mentally capable of handling.

Dental Residency Student Loans

Degree Program	Cumulative Loan Limit	Limits for each Academic Year
Dental	$1,500 - $225,000	Cost of Attendance Minus other Aid
Dental Board Exam	$1,500 - $15,000	One time loan
Dental Residency	$1,500 - $15,000	One time loan

Graduate Alternative Dental Student Loans

When scholarships and Federal loans are not enough, the GradLoans Alternative Student Loan for Dental Students is here to bridge the gap of the cost of your education. Specially created for graduate students and families with unmet financial need, our goal is to make education possible!

• Fast online approvals
• Low interest rates and fees
• High approval rating
• High annual maximums
• A variety of repayment options (immediate, interest only, or full deferment until you leave school)
• No application fee or out-of-pocket expenses
• You can use this loan to cover any education related expenses, including transportation, computers, books and room and board
• 24/7 online account status access

Stafford and Private Alternative Student Loans | Financial Aid to fund your Degree from Dental School:

Your financial aid award package will tell you what types of education loan programs you are eligible to accept. If you have remaining unmet need, you may need private "alternative" education loans to cover all your expenses. Your school's financial aid office can help you determine which programs are right for your unique situation.

How do I qualify ?

• You must be a U.S. Citizen; or
• Permanent resident with a valid permanent-resident card; or
• An international student, applying with a U.S. citizen or permanent resident Co-Borrower; or
• An international student with a U.S. citizen or permanent resident applying on your behalf.
• Be at least 18 years old, or the age of majority in your state;
• Be enrolled at least half time at an eligible institution;
• Meet our criteria for creditworthiness. If you do not meet our criteria, please consider applying with a creditworthy co-borrower.

How much can I borrow?

• Annual minimum of $1,500
• Annual maximum of the lesser of $50,000 or cost of attendance minus other aid

Degree Program	Cumulative Loan Limit	Limits for each Academic Year
Dental	$1,500 - $225,000	Cost of Attendance Minus other Aid
Dental Board Exam	$1,500 - $15,000	One time loan
Dental Residency	$1,500 - $15,000	One time loan

What is my interest rate going to be?

In School Rates as low as

• LIBOR + 3.75% (Immediate Interest and Principal Repayment)
• LIBOR + 3.75% (Immediate Interest and Deferred Principal Repayment)
• LIBOR + 4.15% (Both Deferred Interest and Principal Repayment)

Repayment Rates as low as

• LIBOR + 4.30% (Immediate Interest and Principal Repayment)
• LIBOR + 4.40% (Immediate Interest and Deferred Principal Repayment)
• LIBOR + 4.50% (Both Deferred Interest and Principal Repayment)

Choose your reward!

• .25% interest rate reduction if you choose to have your loan payment automatically deducted from your bank account or if you make 48 consecutive on-time payments

What else sets the GradLoans Alternative Student Loan for Dental Students apart from the rest?

• Low minimum monthly payment of $50
• Full deferment and forbearance options available while in school, working towards a residency or internship, unemployed or experiencing an economic hardship, serving in the military or needing an administrative forbearance
• 6 month grace period before repayment begins
• Fees as low as 0%
• 20 year repayment for Dental School loan, 15 years for all others

Annual Percentage Rate (APR) and Repayment Example:

If you borrowed $10,000 in a single installment, the 3 month LIBOR remained constant at 3.42% and you had a 24-month combined in-school and 6 month grace period with a 180-month repayment period, your possible APR and repayment schedules are shown below. Your annual percentage rate may increase or decrease after consummation.

Repayment Option	Origination Fee	APR	In School & Grace Period	Repayment Period
Immediate Interest and Principal Repayment	0%	6.24%	30 payments of $84.39	150 payments of $86.13
Immediate Interest and Deferred Principal Repayment	0%	6.26%	30 payments of $50.00	180 payments of $86.43
Both Deferred Interest and Principal Repayment	%	6.60%	30 payments of $0.00	180 payments of $103.40

Graduate Loan Applications
877-328-1565

Dental Board Exam Student Loan

Stafford and Private Alternative Student Loans

Your financial aid award package will tell you what types of education loan programs you are eligible to accept. If you have remaining unmet need, you may need private "alternative" education loans to cover all your expenses. Your school's financial aid office can help you determine which programs are right for your unique situation.

Graduate Alternative Dental Student Loans for the Dental Board Exam

When scholarships and Federal loans are not enough, the GradLoans Alternative Student Loan for Dental Students is here to bridge the gap of the cost of your education. Specially created for graduate students and families with unmet financial need, our goal is to make education possible!

• Fast online approvals
• Low interest rates and fees
• High approval rating
• High annual maximums
• A variety of repayment options (immediate, interest only, or full deferment until you leave school)
• No application fee or out-of-pocket expenses
• You can use this loan to cover any education related expenses, including transportation, computers, books and room and board
• 24/7 online account status access

How do I qualify?

• You must be a U.S. Citizen; or
• Permanent resident with a valid permanent-resident card; or
• An international student, applying with a U.S. citizen or permanent resident Co-Borrower; or
• An international student with a U.S. citizen or permanent resident applying on your behalf.
• Be at least 18 years old, or the age of majority in your state;
• Be enrolled at least half time at an eligible institution;
• Meet our criteria for creditworthiness. If you do not meet our criteria, please consider applying with a creditworthy co-borrower.

How much can I borrow?

Degree Program	Cumulative Loan Limit	Limits for each Academic Year
Dental	$1,500 - $225,000	Cost of Attendance Minus other Aid
Dental Board Exam	$1,500 - $15,000	One time loan
Dental Residency	$1,500 - $15,000	One time loan

What is my interest rate going to be?

In School Rates as low as

• LIBOR + 3.75% (Immediate Interest and Principal Repayment)
• LIBOR + 3.75% (Immediate Interest and Deferred Principal Repayment)
• LIBOR + 4.15% (Both Deferred Interest and Principal Repayment)

Repayment Rates as low as

• LIBOR + 4.30% (Immediate Interest and Principal Repayment)
• LIBOR + 4.40% (Immediate Interest and Deferred Principal Repayment)
• LIBOR + 4.50% (Both Deferred Interest and Principal Repayment)

Choose your reward!

• .25% interest rate reduction if you choose to have your loan payment automatically deducted from your bank account or if you make 48 consecutive on-time payments

What else sets the GradLoans Alternative Student Loan for Dental Students apart from the rest ?

• Low minimum monthly payment of $50
• Full deferment and forbearance options available while in school, working towards a residency or internship, unemployed or experiencing an economic hardship, serving in the military or needing an administrative forbearance
• 6 month grace period before repayment begins
• Fees as low as 0%
• 20 year repayment for Dental School loan, 15 years for all others

Annual Percentage Rate (APR) and Repayment Example:

If you borrowed $10,000 in a single installment, the 3 month LIBOR remained constant at 3.42% and you had a 24-month combined in-school and 6 month grace period with a 180-month repayment period, your possible APR and repayment schedules are shown below. Your annual percentage rate may increase or decrease after consummation.

Repayment Option	Origination Fee	APR	In School & Grace Period	Repayment Period
Immediate Interest and Principal Repayment	0%	6.24%	30 payments of $84.39	150 payments of $86.13
Immediate Interest and Deferred Principal Repayment	0%	6.26%	30 payments of $50.00	180 payments of $86.43
Both Deferred Interest and Principal Repayment	3%	6.60%	30 payments of $0.00	180 payments of $103.40

Graduate Loan Application
877-328-1565

Dental School Student Loans

Financial Aid to fund your degree from Dental School

Your financial aid award package will tell you what types of education loan programs you are eligible to accept. If you have remaining unmet need, you may need private "alternative" education loans to cover all your expenses. Your school's financial aid office can help you determine which programs are right for your unique situation.

Graduate Alternative Dental Student Loans

When scholarships and Federal loans are not enough, the GradLoans Alternative Student Loan for Dental Students is here to bridge the gap of the cost of your education. Specially created for graduate students and families with unmet financial need, our goal is to make education possible!

• Fast online approvals
• Low interest rates and fees
• High approval rating
• High annual maximums
• A variety of repayment options (immediate, interest only, or full deferment until you leave school)
• No application fee or out-of-pocket expenses
• You can use this loan to cover any education related expenses, including transportation, computers, books and room and board
• 24/7 online account status access

How do I qualify?

• You must be a U.S. Citizen; or
• Permanent resident with a valid permanent-resident card; or
• An international student, applying with a U.S. citizen or permanent resident Co-Borrower; or
• An international student with a U.S. citizen or permanent resident applying on your behalf.
• Be at least 18 years old, or the age of majority in your state;
• Be enrolled at least half time at an eligible institution;
• Meet our criteria for creditworthiness. If you do not meet our criteria, please consider applying with a creditworthy co-borrower.

How much can I borrow?

• Annual minimum of $1,500
• Annual maximum of the lesser of $70,000 or cost of attendance minus other aid

Degree Program	Cumulative Loan Limit	Limits for each Academic Year
Dental	$1,500 - $225,000	Cost of Attendance Minus other Aid
Dental Board Exam	$1,500 - $15,000	One time loan
Dental Residency	$1,500 - $15,000	One time loan

What is my interest rate going to be?

In School Rates as low as

• LIBOR + 3.75% (Immediate Interest and Principal Repayment)
• LIBOR + 3.75% (Immediate Interest and Deferred Principal Repayment)
• LIBOR + 4.15% (Both Deferred Interest and Principal Repayment)

Repayment Rates as low as

• LIBOR + 4.30% (Immediate Interest and Principal Repayment)
• LIBOR + 4.40% (Immediate Interest and Deferred Principal Repayment)
• LIBOR + 4.50% (Both Deferred Interest and Principal Repayment)

Choose your reward!

• .25% interest rate reduction if you choose to have your loan payment automatically deducted from your bank account or if you make 48 consecutive on-time payments

What else sets the GradLoans Alternative Student Loan for Dental Students apart from the rest?

• Low minimum monthly payment of $50
• Full deferment and forbearance options available while in school, working towards a residency or internship, unemployed or experiencing an economic hardship, serving in the military or needing an administrative forbearance
• 6 month grace period before repayment begins
• Fees as low as 0%
• 20 year repayment for Dental School loan, 15 years for all others

Annual Percentage Rate (APR) and Repayment Example:

If you borrowed $10,000 in a single installment, the 3 month LIBOR remained constant at 3.42% and you had a 24-month combined in-school and 6 month grace period with a 180-month repayment period, your possible APR and repayment schedules are shown below. Your annual percentage rate may increase or decrease after consummation.

Repayment Option	Origination Fee	APR	In School & Grace Period	Repayment Period
Immediate Interest and Principal Repayment	0%	6.24%	30 payments of $84.39	150 payments of $86.13
Immediate Interest and Deferred Principal Repayment	0%	6.26%	30 payments of $50.00	180 payments of $86.43
Both Deferred Interest and Principal Repayment	3%	6.60%	30 payments of $0.00	180 payments of $103.40

Graduate Loan Application
877-328-1565

Medical Resident Loans for Residency

Borrow up to $15,000 to cover expenses of your Medical School Residency program including relocation!

Resident Loan Program	Cumulative Loan Limit	Limits for each Academic Year
Medical Residency and Relocation Loans	$1,500 - $15,000	One time loan
Medicine	$1,500 - $225,000	Cost of Attendance Minus other Aid
Medical Boards	$1,500 - $15,000	One time loan
Osteopathic	$1,500 - $130,000	Cost of Attendance Minus other Aid

Why is the GradLoans Resident Loan for the Residency so unique?

• Fast online approvals
• Low interest rates and fees
• High approval rating
• High annual maximums
• A variety of repayment options (immediate, interest only, or full deferment until you leave school)
• No application fee or out-of-pocket expenses
• You can use this loan to cover any education related expenses, including transportation, computers, books and room and board
• 24/7 online account status access

How do I qualify for a Residency Loan?

• You must be a Medical Resident or in a residency program
• You must be a U.S. Citizen; or Permanent resident with a valid permanent-resident card; or an international student, applying with a U.S. citizen or permanent resident Co-Borrower; or have a U.S. citizen or permanent resident applying on your behalf.
• Be at least 18 years old, or the age of majority in your state;
• Be enrolled at least half time at an eligible institution;
• Meet our criteria for creditworthiness. If you do not meet our criteria, please consider applying with a creditworthy co-borrower.

What is my interest rate going to be?

In School Rates as low as

• LIBOR + 3.75% (Immediate Interest and Principal Repayment)
• LIBOR + 3.75% (Immediate Interest and Deferred Principal Repayment)
• LIBOR + 4.15% (Both Deferred Interest and Principal Repayment)

Repayment Rates as low as

• LIBOR + 4.30% (Immediate Interest and Principal Repayment)
• LIBOR + 4.40% (Immediate Interest and Deferred Principal Repayment)
• LIBOR + 4.50% (Both Deferred Interest and Principal Repayment)

Choose your reward!

• .25% interest rate reduction if you choose to have your loan payment automatically deducted from your bank account or if you make 48 consecutive on-time payments

What else sets the GradLoans Alternative Student Loan for Medical Residents apart from the rest?

• Low minimum monthly payment of $50
• Full deferment and forbearance options available while in school, working towards a residency or internship, unemployed or experiencing an economic hardship, serving in the military or needing an administrative forbearance
• 6 month grace period before repayment begins
• Fees as low as 0%
• 20 year repayment for Medical School loan, 15 years for all others

Annual Percentage Rate (APR) and Repayment Example:

If you borrowed $10,000 in a single installment, the 3 month LIBOR remained constant at 3.42% and you had a 24-month combined in-school and 6 month grace period with a 180-month repayment period, your possible APR and repayment schedules are shown below. Your annual percentage rate may increase or decrease after consummation.

Repayment Option	Origination Fee	APR	In School & Grace Period	Repayment Period
Immediate Interest and Principal Repayment	0%	6.24%	30 payments of $84.39	150 payments of $86.13
Immediate Interest and Deferred Principal Repayment	0%	6.26%	30 payments of $50.00	180 payments of $86.43
Both Deferred Interest and Principal Repayment	3%	6.60%	30 payments of $0.00	180 payments of $103.40

Graduate Loan Applications for Medical School
877-328-1565

Medical Board Exam Loan

Medical School Loans for the Boards

When needing a loan to cover the expenses associated with taking the board exam, look no further! The GradLoans Medical School Loan for the Board Exam is a simple solution to your financial obstacles.

• Fast online approvals
• Low interest rates and fees
• High approval rating
• High annual maximums
• A variety of repayment options (immediate, interest only, or full deferment until you leave school)
• No application fee or out-of-pocket expenses
• You can use this loan to cover any education related expenses, including transportation, computers, books and room and board
• 24/7 online account status access

How do I qualify?

• You must be a U.S. Citizen; or
• Permanent resident with a valid permanent-resident card; or
• An international student, applying with a U.S. citizen or permanent resident Co-Borrower; or
• An international student with a U.S. citizen or permanent resident applying on your behalf.
• Be at least 18 years old, or the age of majority in your state;
• Be enrolled at least half time at an eligible institution;
• Meet our criteria for creditworthiness. If you do not meet our criteria, please consider applying with a creditworthy co-borrower.

How much can I borrow?

Degree Program	Cumulative Loan Limit	Limits for each Academic Year
Medicine	$1,500 - $225,000	Cost of Attendance Minus other Aid
Osteopathic	$1,500 - $130,000	Cost of Attendance Minus other Aid
Medical Board Loans	$1,500 - $15,000	One time loan
Medical Residency and Relocation Loans	$1,500 - $15,000	One time loan

What is my interest rate going to be?

In School Rates as low as

• LIBOR + 3.75% (Immediate Interest and Principal Repayment)
• LIBOR + 3.75% (Immediate Interest and Deferred Principal Repayment)
• LIBOR + 4.15% (Both Deferred Interest and Principal Repayment)

Repayment Rates as low as

• LIBOR + 4.30% (Immediate Interest and Principal Repayment)
• LIBOR + 4.40% (Immediate Interest and Deferred Principal Repayment)
• LIBOR + 4.50% (Both Deferred Interest and Principal Repayment)

Choose your reward!

• .25% interest rate reduction if you choose to have your loan payment automatically deducted from your bank account or if you make 48 consecutive on-time payments

What else sets the GradLoans Alternative Student Loan for Medical Students apart from the rest ?

• Low minimum monthly payment of $50
• Full deferment and forbearance options available while in school, working towards a residency or internship, unemployed or experiencing an economic hardship, serving in the military or needing an administrative forbearance
• 6 month grace period before repayment begins
• Fees as low as 0%
• 20 year repayment for Medical School loan, 15 years for all others

Annual Percentage Rate (APR) and Repayment Example:

If you borrowed $10,000 in a single installment, the 3 month LIBOR remained constant at 3.42% and you had a 24-month combined in-school and 6 month grace period with a 180-month repayment period, your possible APR and repayment schedules are shown below. Your annual percentage rate may increase or decrease after consummation.

Repayment Option	Origination Fee	APR	In School & Grace Period	Repayment Period
Immediate Interest and Principal Repayment	0%	6.24%	30 payments of $84.39	150 payments of $86.13
Immediate Interest and Deferred Principal Repayment	0%	6.26%	30 payments of $50.00	180 payments of $86.43
Both Deferred Interest and Principal Repayment	3%	6.60%	30 payments of $0.00	80 payments of $103.40

Graduate Loan Applications for Medical School
877-328-1565

Graduate Loans for Medical School

Private Alternative Medical Student Loans

Your student financial aid award package will tell you what types of student loan programs you are eligible for, including federal loans such as the graduate Stafford Loan. If you have remaining unmet need, you may need private "alternative" education loans to cover all your expenses. Your school's financial aid office can help you determine which programs are right for your unique situation.

Graduate Alternative Student Loans for Medical School

When scholarships and Federal loans are not enough, the GradLoans Alternative Student Loan for Medical Students is here to bridge the gap of the cost of your education. Created for graduate students and families with unmet financial need, our goal is to make your medical school education possible!

Apply now! or call toll-free 1-800-926-2716!

Why is the GradLoans Medical School Loan so unique?

• Fast online approvals
• Low interest rates and fees
• High approval rating
• High annual maximums
• A variety of repayment options (immediate, interest only, or full deferment until you leave school)
• No application fee or out-of-pocket expenses
• You can use this loan to cover any education related expenses, including transportation, computers, books and room and board
• 24/7 online account status access

How do I qualify for a medical student loan?

• You must be a U.S. Citizen or permanent resident with a valid permanent-resident card; or
• An international student, applying with a U.S. citizen or permanent resident Co-Borrower; or
• An international student with a U.S. citizen or permanent resident applying on your behalf.
• Be at least 18 years old, or the age of majority in your state;
• Be enrolled at least half time at an eligible institution;
• Meet our criteria for creditworthiness. If you do not meet our criteria, please consider applying with a creditworthy co-borrower.

How much can I borrow for a medical school loan?

• Annual minimum of $1,500
• Annual maximum of the lesser of $70,000 or cost of attendance minus other aid

Degree Program	Cumulative Loan Limit	Limits for each Academic Year
Medicine	$1,500 - $225,000	Cost of Attendance Minus other Aid
Osteopathic	$1,500 - $130,000	Cost of Attendance Minus other Aid
Medical Board Loans	$1,500 - $15,000	One time loan
Medical Resident and Relocation Loans	$1,500 - $15,000	One time loan

What is my interest rate going to be?

In School Rates as low as

• LIBOR + 3.75% (Immediate Interest and Principal Repayment)
• LIBOR + 3.75% (Immediate Interest and Deferred Principal Repayment)
• LIBOR + 4.15% (Both Deferred Interest and Principal Repayment)

Repayment Rates as low as

• LIBOR + 4.30% (Immediate Interest and Principal Repayment)
• LIBOR + 4.40% (Immediate Interest and Deferred Principal Repayment)
• LIBOR + 4.50% (Both Deferred Interest and Principal Repayment)

Choose your reward!

• .25% interest rate reduction if you choose to have your loan payment automatically deducted from your bank account or if you make 48 consecutive on-time payments

What else sets the GradLoans Alternative Student Loan for Medical Students apart from the rest ?

• Low minimum monthly payment of $50
• Full deferment and forbearance options available while in school, working towards a residency or internship, unemployed or experiencing an economic hardship, serving in the military or needing an administrative forbearance
• 6 month grace period before repayment begins
• Fees as low as 0%
• 20 year repayment for Medical School loan, 15 years for all others

Annual Percentage Rate (APR) and Repayment Example:

If you borrowed $10,000 in a single installment, the 3 month LIBOR remained constant at 3.42% and you had a 24-month combined in-school and 6 month grace period with a 180-month repayment period, your possible APR and repayment schedules are shown below. Your annual percentage rate may increase or decrease after consummation.

Repayment Option	Origination Fee	APR	In School & Grace Period	Repayment Period
Immediate Interest and Principal Repayment	0%	6.24%	30 payments of $84.39	150 payments of $86.13
Immediate Interest and Deferred Principal Repayment	0%	6.26%	30 payments of $50.00	180 payments of $86.43
Both Deferred Interest and Principal Repayment	3%	6.60%	30 payments of $0.00	180 payments of $103.40

Graduate Loan Applications for Medical School
877-328-1565

Graduate Stafford Loan Apply Online

Using this Form

Thank you for applying for the Federal Stafford loan through Student Loan Network. Please complete the three sections below, including About You, School Selection and Loan Information, and then click “Next” to continue.

All fields with an asterisk (*) are required.

If you have any questions, please feel free to contact Student Loan Network at 1.877.328.1565 (press 2) or 617.328.1565 (press 2).

About You

* Name:	First M.I. Last
* SSN:	- - I'm a U.S. Citizen * Alien ID: Eligible Non-Citizen Help with Alien ID If you are a U.S. Citizen, enter your Social Security Number and check the box labeled "I'm a U.S. Citizen." If you are an Eligible Non-Citizen, enter your 8 or 9-digit Alien ID (i.e. 123456789) and check the box labeled "Eligible Non-Citizen." In addition, you must also provide a valid Social Security Number.
* Date of Birth:	JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC 01 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 1990 1989 1988 1987 1986 1985 1984 1983 1982 1981 1980 1979 1978 1977 1976 1975 1974 1973 1972 1971 1970 1969 1968 1967 1966 1965 1964 1963 1962 1961 1960 1959 1958 1957 1956 1955 1954 1953 1952 1951 1950 1949 1948 1947 1946 1945 1944 1943 1942 1941 1940 1939 1938 1937 1936 1935 1934 1933 1932 1931 1930 1929 1928 1927 1926 1925 1924 1923 1922 1921 1920 1919 1918 1917 1916 1915 1914 1913 1912 1911 1910 1909 1908 1907 1906 1905 1904 1903 1902 1901 1900
* Address:	House # N S E W NE NW SE SW Direction Street Name Alley Avenue Boulevard Center Circle Court Drive Expressway Freeway Highway Hill Lane Loop Park Parkway Pike Place Plaza Point Road Route Square Street Terrace Trail Turnpike Walk Way Type Apt. # City Alaska Alabama Arkansas Arizona California Colorado Connecticut Delaware District Of Columbia Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennesee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming Foreign Country Armed Forces Atlantic Armed Forces Europe Armed Forces Pacific American Samoa Federated States of Micronesia Guam Marshall Islands Northern Mariana Islands Palau Puerto Rico Virgin Islands State Zip
* Phone Number:	( ) -
Driver's License:	Alaska Alabama Arkansas Arizona California Colorado Connecticut Delaware District Of Columbia Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennesee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming Foreign Country Armed Forces Atlantic Armed Forces Europe Armed Forces Pacific American Samoa Federated States of Micronesia Guam Marshall Islands Northern Mariana Islands Palau Puerto Rico Virgin Islands State Driver's Lic. Number
E-Mail Address:	Verify: Help with E-Mail If you have an E-Mail account, please enter it in the first field and then again in the “Verify” field to ensure we have the correct information.

School Selection

* State:

Alaska Alabama Arkansas Arizona California Colorado Connecticut Delaware District Of Columbia Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennesee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming Foreign Country Armed Forces Atlantic Armed Forces Europe Armed Forces Pacific American Samoa Federated States of Micronesia Guam Marshall Islands Northern Mariana Islands Palau Puerto Rico Virgin Islands

* School:

Help with School Selection If you can’t locate your school or don’t know which school your student will be attending, please contact Student Loan Network at 1.877.328.1565 (press 2) or 617.328.1565 (press 2).

Loan Information

Have you completed and submitted the Free Application for Federal Student Aid (FAFSA) or the renewal FAFSA? Yes: No: Help with FAFSA To apply for student financial aid from the federal government, you are required to submit the Free Application for Federal Student Aid (FAFSA). The government uses the FAFSA to determine if you're eligible for many Federal grants and loans. It asks you to provide information like your parents' income, assets, family size, and number of students in college and tax information. Be sure to submit the FASFA after January 1, to increase your chances of getting the aid you need. There are two ways to access and complete the FAFSA: You can complete your FAFSA online at http://www.fafsa.ed.gov You can also pick up your FAFSA application at most high schools, college financial aid offices, and public libraries. Have you received a Student Aid Report (SAR)? Yes: No: Help with Student Aid Report (SAR) About three to six weeks after submitting the FAFSA, you should receive a SAR by mail. Check it carefully for accuracy and return it to your FAO if they require you to do so. The schools that accept you will use this report to create financial award packages and mail them to you. Have you received your financial aid award letter from your school? Yes: No: Help with Award Letter Financial aid administrators at the college where you have been accepted will verify the information from your FAFSA, determine your aid eligibility and then send you a financial aid award letter. This letter will contain the estimated education expenses for a school year and your financial aid eligibility (the difference between the estimated expenses and your Expected Family Contribution). I want to pay unsubsidized interest while I am in school. Yes: No: Help with Interest Payments Check this box if you want to make interest payments while in school.

No:

from: webapps.edlending.com/onlineStafford/Controller

Help with Interest Payments

Check this box if you want to make interest payments while in school.

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