May 1, 2011 at 3:58 am #675791
Move back in with you parents. Save you money. Pay cash don’t restart you life in debt.
May 1, 2011 at 4:50 am #675792
First of all, you need to be accepted into a school…if you are planning on starting in the summer or fall of this year, I’d do that asap. Meanwhile, fill out the FAFSA ). This will be your key to grants from the government and/or demonstrating what your financial need is to your school. The FAFSA takes a good half hour to fill out, so make sure and have all the documentation necessary when you sit down to do it…you can save it and come back to it, if need be, but it’s best to just get it done and over with. At the end, you will be given an “EFC”, which will also be sent to the schools you request it to be sent to (during the application process, you will have this option and it’s free of charge). Your EFC (expected family contribution) is calculated based on all the information provided and gives the government AND the schools an idea of how much your family can contribute to your education (if you’re married…you and your spouse; if you’re single and over 25…just you; if you’re single and under 25…your parents). If you are single, under 25, and financially independent, you need to contact the financial aid office at the school you are going to, and they will give you instructions for making sure your parents are NOT considered in your EFC. It’s a little bit of a difficult process, but it can be done, if that is the case.
WHAT IS FAFSA?
FAFSA Application and Website
DOCUMENTS NEEDED (to fill out FAFSA)
Once all this is done and sent to your school and once they accept you, the financial aid office will contact you about anything you qualify for…stafford loans, grants, etc. In addition, you can find any scholarships online that are independent of a specific school. If you apply and get one, that’s just even more money.
I know this is a lot, but my best advice would be to make an appointment with an advisor in the financial aid office at the school you want to go to…even if you are not a student there yet, they should meet with you and will show you all your options.
Good luck in going back to school! You can do it! If you have anymore questions, be sure to email me…I’d be happy to help. firstname.lastname@example.org
May 1, 2011 at 5:00 am #675793
Some friends of mine in college told me that they have valuable information regarding scholarships from this place.
May 4, 2011 at 8:50 am #201411
I had been pre-qualified (or pre-approved, they never told me which) back in May 2008. I had a letter which stated I was pre-approved for a mortgage loan, and I started looking for a home.
The letter expired in September, and before it did, I called the lender to get it extended. They said I would have to re-apply.
I don’t want to get either a prequal or pre-approval done again if they’re going to pull my credit and lower my score again. If I find a home within a few months, then I expect to have my credit pulled once more when I actually apply for the loan.
Are there any lenders that pre-qualify without pulling credit?
May 9, 2011 at 2:59 am #269336
No. You can get pre-approved without a credit score, but that’s less accurate than a pre-qualification since it’s based solely on what you tell the lender rather than your actual financial data.
May 12, 2011 at 5:16 am #273378
The only way to do it is by pulling your credit. Everything is automated, & without your report, you can’t get it done! It will not lower your score by pulling it again either.
May 17, 2011 at 8:05 am #278781
You can’t. A credit pull is an essential part of the process.
May 18, 2011 at 1:24 am #280159
Applications are only good for 90 days and after that you have to re-qualify all over again. Credit reports, pay stubs, everything…
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