Another thing. If you dont pay off your student debt then when you retire they wont give you your social security money.

@berthayellowfinch6178

8 жыл бұрын

+Chris Alexander We haven't seen that happen. Where did you get that info?

@Desert2GardenLV

8 жыл бұрын

Bertha Yellowfinch it's public knowledge. But here is where I read it. www.nolo.com/legal-encyclopedia/default-student-loan-29859.html

@berthayellowfinch6178

8 жыл бұрын

Chris Alexander Thanks, I'll look that up.

@garrett3055

5 жыл бұрын

Good thing most of us will never be able to retire 😂

@mirelam2692

4 жыл бұрын

Omg

I know a guy who faked his death to escape student debt

@cantu7214

5 жыл бұрын

@FBI

@lo9804

5 жыл бұрын

did he get away with it?

@brawtff

5 жыл бұрын

so basically he passed his debt on to his relatives?

@donperrignon

5 жыл бұрын

@@brawtff You don't inherit debt, unless you have an estate set up.

@Avendale

5 жыл бұрын

@@donperrignon - it all depends on the lender's policy concerning death-discharge.. direct-federal student loans are canceled if the borrower dies and the gov't discharges the debt.. however *private* student loan lenders don't always offer that same protection, so a borrower's relatives could still be on the hook for the remaining balance + interest/penalties even if the borrower has died.

I might have to watch this 7 more times

@veronicacabrerapomona

4 жыл бұрын

The president of” the greatest nation in the world” ha-ha. announced a temporary postponement of payment on student loans and interests for 60 days due to the Coronavirus crisis. March 2020. kzread.info/dash/bejne/eJt2wcOOoce0qbA.html

@Kk-jz4xm

4 жыл бұрын

I’m only 15 & I’m already thinking about this 🤣

@baysavicious

4 жыл бұрын

Update: decided not to go to college

@jerrygarrison7591

4 жыл бұрын

@@baysavicious bruh why?

@lunergalexy8124

3 жыл бұрын

Soup Toast felt

NEVER ever DEFER. Trust me on this. I added 5 years to my payoff date just by deferring for 6 months. Worst mistake ever

@joelhansen4310

5 жыл бұрын

how much debt did you have? and when in your loan repayment period did you defer?

@quinnquynguyen8129

5 жыл бұрын

@@joelhansen4310 Lol he never responds... I was hoping he'd at least give the reason it was the worst mistake, but I guess it's cuz of heavy interest additions.

@mirelam2692

4 жыл бұрын

You mean...pay off even without job

@rosewilson2200

3 жыл бұрын

What’s defer

I don't want student loans, I just want to travel the world with a good education.

Not mentioned in this episode, filling out the FAFSA is also how you apply for PELL grants.

@chibicurmudgeon

9 жыл бұрын

OrUptotheStars And just in case it's not obvious to everyone, get as many grants and scholarships and as few loans as possible. Go for even tiny ones, because getting $100 for filling out a form is still a pretty good payoff.

@madsworld1115

2 жыл бұрын

Define pell grant

@OrUptotheStars

2 жыл бұрын

@@madsworld1115 Pell Grants are chunks of money the federal government gives to U.S. students to help pay for college. These grants are awarded based on financial need (which is why you have to fill out a FAFSA to apply). Unlike loans, Pell Grants do not have to be paid back.

It's funny because Tyler Oakley went to MSU and ended up with a bunch of debt... And now I'm headed in the same direction. (laughs nervously to hide tears)

I teach a class on financial literacy. I am playing your videos in several sections of my class. You do an excellent job of laying this information out in a way people understand. Nice Job!

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@madsworld1115

2 жыл бұрын

Make videos of you teaching your class so I can learn for free haha

This made everything feel worse

@dominicwilliams3737

3 жыл бұрын

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UPDATED INFORMATION: Perkins Loans are no longer available!!

@adaumus

4 жыл бұрын

I thought ur profile picture was a hair on my computer screen. I tried to blow it off

Haha, Billy Joel tickets and Chili's gift cards. You sure know how to appeal to Gen X! Seriously though, Rose and I could have benefited from this information being so accessible back when we were in school. Luckily, we are several years out of college and are paying off debts much faster than expected, however most of our friends are not so fortunate. If you are going to college soon, no matter how financially stable you may be, definitely look into the things Mike talks about here. Trust me, it could save you years of stress. -Nathan

Thank you for laying this all out! Also thank you for donating the revenue to The Trevor Project.

@learnhowtoadult

9 жыл бұрын

Abbie Wells You're very welcome for both. :] - Mike

@santiagojosecortinamadera7907

7 жыл бұрын

Gеt реrsoоoоnаааl lоаn hеre => twitter.com/3ac3041c00204e45d/status/809350192776347648 Hооw Studееееnt Loаns Wоrk EЕEЕХРLАINED

I go to a brazilian public university, so I didn't have to deal with all of that, but it's nice to know how different things work there and I'm sure it helped a lot of other people. Great job, guys! :)

so glad i found this channel!

@DT-tq5ib

3 жыл бұрын

Young poudii p

@barbarajennings4404

3 жыл бұрын

Scott paid my credit debts and loans in just one day. He’s a debt relief expect and I got his contact from a verified debt relief forum 5409998138

@youngparadox555

3 жыл бұрын

Poudii holy shit

@youngparadox555

3 жыл бұрын

So glad I found this channel!

@6below775

3 жыл бұрын

5 years later and you poppin on KZread 💯

I love that this is so simple and yet explains so much

I am French and thx you for your video. It helps me to understand the student debt. 👏👏 good job.

Hey Mike, thanks for the upload. It was very informative. I have a question... Have you ever heard of anyone devoting the majority of their income after graduation to JUST paying loans? Not taking on a house or a car note? Do loans no allow you to do that? Do you have to pay monthly or can you just throw your paychecks at them until they vanish? Thanks

@rubybeth

8 жыл бұрын

+Youssef Martinez That's what my husband and I did... We avoided lifestyle inflation as much as possible after we got jobs, we just lived very cheaply after we finished school and paid extra on our student loans whenever we had extra money (usually monthly). We paid off about $50,000 in student loans in around 4 years. If you can live with family after graduating or pay low rent by having roommates, do it. If you can avoid getting a fancy car, and bike around instead, do it. Don't spend money on stuff you don't need, and pay that toward your loans. Even better, just do all of these things your whole life, saving as much money as you can--and then you can quit working whenever you like. Check out the Mr. Money Mustache blog for more on how this works.

Wtf is this? Im confused af! Holy shit im panicking!!!!

Student loans are always stressful, but you did an excellent job explaining this without any confusion .

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m writing a college application essay dealing with a major issue with the education system,and i chose the cost of going to college, and this video helped me a lot.

A few helpful notes: 1.The url fafsa.com was recently acquired by the U.S. Department of Education, so hopefully in future it will not link students to a scam but to the actual FAFSA, 2. The online FAFSA is best for most people, but the paper FAFSA is best if the student's parents are undocumented immigrants (So, it's good that it still exists!), 3. The PLUS loan isn't necessarily better than private loans because of the high interest rate (currently 7.21%), BUT if parents are declined based on their credit, it increases the amount of Stafford loan a student can get ($4,000 more in Unsubsidized Stafford loan for freshmen), 4. Parents or students should start making payments on loan interest during college since they can currently claim up to $2,500 as a deduction on their income taxes for the next year (Just wanted to add some more info. that you probably didn't have time for!)

@Sir_Pumpington_Of_Dumpenshire

5 жыл бұрын

Why would we want to give money to ILLEGAL immigrants who don't pay taxes?

@sweetyfri

4 жыл бұрын

@@Sir_Pumpington_Of_Dumpenshire they're talking about LEGAL citizens with undocumented parents.

The more I learn about this kind of stuff, the more I'm convinced that the best decision I ever made was NOT to go to grad school. My most important education-the one that taught me how to be an independent, self-reliant, well-adjusted adult-began when I left the cloistered halls of academia.

@heathergant516

5 жыл бұрын

Joe Vasicek what did you do instead?

@samyen3210

5 жыл бұрын

I'm curious too

Unless u have a scholarship go to cc first then in state

For returning students with previous debt: how much of a student loan can be used for living expenses?

@larrytrahan

5 жыл бұрын

Sorry if this is wayyy too late. But you can use as much as the cost of living would be at your college. (Dorm+ meal plan). Atleast that's what was explained to me.

Very timely for me unfortunately. ;P Also yay for the charity donation! That's pretty cool of you!

Thank you for this. I start my freshman year of college this month and I had to to take out loans. I'm so grateful that my dad knows about this stuff but this is such an important video!

This video was fantastic! I had both unsubsidized and subsidized loans available and had no idea what they were thanks for explaining now I know I don't need them right now.

@lisaturner7419

9 жыл бұрын

***** monthly scholarships,2015,www.usascholarships.com #scholarship

I'd also add that some schools will give you more money if your parents apply for a PLUS loan and are denied. Granted, this will only be helpful to people whose parents will agree to do that (mine told me right before college that they would not apply for any parent loans or give me any money for school, so that kind of left me out of that benefit), but I know several people who got up to $10,000 more in aid per year from doing that, and that was all grants and scholarships, no loans.

After doing the counselling thing I have developed a fear of college lol. Not only will I be stressed to do well academically but I must stay on top of paying off my loans as I am learning

If I have an outstanding payment at university I previously attended and I go to community college now, can I apply for a student loan?

I love the "speak in tongues" reference! Thanks for making this video. I am 33 years old and headed back for my undergrad and i am LOST with this all! Thanks again!

I have a MASSIVE question for you guys at HTA. Would it be possible to create a Canadian version of this video as student loans are very different on this side of the border and it would be great to cover for the Canadian viewers like myself ;)

Great video! Now, if you could please make a video on how to migrate to another country and begin higher education from there. Thanks in advance!

Watching this made me so happy I live and study in Australia as an Australian citizen.

@josephward5436

6 жыл бұрын

Yeah, rub it in why don't you.

GREAT video on FAFSA, types of loans, and how to repay them! I'm glad you mentioned at the end how many people struggle to pay them back! According to TheGuardian.com--- a staggering 83% of graduates NEVER repay their loans in full!

The new date to start your Fafsa application is now October 1st. It was just change last year, so don't wait until January, you want to fill out your fafsa apps as soon as possible to get the best advantages

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first year of college this year and was looking into loans thank you for the tips and pointers your amazing and super funny

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Woo! that was incredibly helpful I myself am not in the position of having a student loan but this will be very helpful for my brother who may have to get a loan soon. -Omar

What was Tyler Oakley's loan?

Is it bad that I'm 14 and I don't know my social security?! And should I register for the FAFSA application? It seems like a great advantage but am I too young?

Student loans are depressing.

@dominicwilliams3737

3 жыл бұрын

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5:40 Death or student loans? Where is the nearest cliff? xD

dude, this is great. Thank you!!

Awesome, this reminded me to change my payment plans, and pay off part of my loans. :) I have sort of a request/tip that I thought of a while ago, but for some reason did not comment on (I think...): could you keep in mind how universal the advice in the videos is while planning them? I really don't mind that some of them are US-centric, that's most of your audience, so it's completely understandable. But I remember a while ago there were a bunch in a row that were very US-centric, and it made me a little sad (I like getting advice from you guys! it's so awesome!). Again, this is something I noticed a while ago, I don't even remember when, so you may already be doing this, in which case: thanks! you are awesome. (you guys are awesome regardless ... did I say awesome enough? yes? awesome!)

@learnhowtoadult

9 жыл бұрын

Hey, Paula! Thanks so much for watching! This is something we took a certain amount of flak for early in the run of the show. Once we became aware of it, we worked hard to make close to all of our videos universal, if possible. I think this is something we've actually done well, and we are also hoping to have more international hosts in the next few months. If it seems like I'm being defensive or anything, please know that's not my intention. I just say all of this to illustrate that we are really trying to do the best for y'all, and although it's probably impossible to make all our vids international, I do wake up every morning thinking about how I can help as many of you awesome folks as possible. :] Keep remembering to be awesome! :D - Mike

@chiquitapaulita

9 жыл бұрын

How to Adult oh it doesn't seem like you're trying to be defensive at all. I actually hesitated a lot when writing that comment, because I wasn't sure this was an issue anymore. But I thought 'maybe this is not something they've been reminded of before' and decided to comment anyway (I think I need to read the comments here more often, I would have realized this had already been addressed if I had). I just always like feedback when I make/do things, and I like to give it too. Looking forward to those future vids :)

@learnhowtoadult

9 жыл бұрын

***** You're so awesome. Thank you. :] - Mike

okay so I will be going to community college for my first 2 years of college. Unfortunately due to my poor choice of procrastination I've missed all of the deadlines for scholarships at my school. A full for a full time student is a little over $1400. Would you recommend I just pay for it then apply for scholarships my following year or would getting a loan be okay in that situation?

@soccerskillsrex1811

7 жыл бұрын

Noelle Jamerson pay it

I think that January 1st beginning is being pushed back this year...for incoming high school seniors in the U.S, in August/September, FAFSA opens October 1st...

The first time I filled out the FASFA it took weeks and there were tears. Now there is a way to link your taxes to fill in all the information if you filed online, which saves a ton of time. Also, when you turn 24 or in certain circumstances you don't have to claim your parents anymore. More money coming in to pay for school, but more to pay back.

Thanks for this video! Even though I've been paying off my student loans for about a year now, this video really helped clear things up and reassure me that I am in fact on the right path (yesss tiny adulthood wins). One thing I would add in terms of loan forgiveness is to develop a plan early - research forgiveness options before you start repaying your loans so you can calculate approximate monthly payments and put a good plan in place ahead of time. Student loans can be really overwhelming and mostly make me cry a lil bit, but you did a really great job explaining all of the things in a way that's super duper informative and funny (I laughed at student loans, which is a thing I never thought would happen and it was glorious). Thanks for being awesome!! :)

@learnhowtoadult

9 жыл бұрын

Rachael M Yaaay, this makes me so happy! Thank you! :D - Mike

If I accepted my subsidized loan am I able to start repaying this loan during the school year or during the summer of that same year (rather than wait until I graduate to start paying this loan)?

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Youre actually supposed to fill out FAFSA on october 1st

Don't get a student loan for a major like Liberal Arts or History. You can easily pay off student loans in the first year if you have a Bachelor's in a STEM major.

@waleedabdullah6940

7 жыл бұрын

Well said. I wonder why do people go these schools that cost 50k per year. Go to a school that doesnt cost more than 25k and study and a STEM major and you will pay off your loans very easily

@elisarich7107

5 жыл бұрын

@@waleedabdullah6940 I agree. My family isn't that bad off (like financially we are good), but I don't see the point of going to a school twice the cost. Is it twice the value? Of course, it is not. The only school in that range that I am applying to is Duke reason being that they have 2 full rides in my county that are rarely handed out because no one gets accepted.

@maxdresser2526

5 жыл бұрын

@fingertape Science, Technology, Engineering, and Mathematics

Also not mentioned, but forbearance is an option for those who choose to serve a year with AmeriCorps or other service commitments

SO HELPFUL!!!

Can you start paying off student loans, specifically a subsidized loan, while you are still in college?

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Can one fill out the FAFSA even if they are an international student but living in US? Because I recently shifted to US and want to go to college here but was unsure about all the things that are accessible to students like us?

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You can always sign a contract for three years and get 100% of public education or $19,000 of Private education paid for per year, plus a monthly allowance.

@SakshiSharma-pr2yg

9 жыл бұрын

Daniel Schick no essay scholarships,2015,www.usascholarships.com #scholarship

Can you use the loan for bills as well?

@kyleenzo3

4 жыл бұрын

Caleb Cicero Harryconsult helped me out of bankruptcy with a loan which made me purchase the Car I wanted he doesn’t even charge upfront fees he is accessible on WhatsApp;+1-732-210-9282

What if your child/dependent choose not to attend college? Can you use the 529 plan to finance something else. What are the penalties?

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Videos like this remind me how grateful I am to be Scottish. The government pays our tuition fees, there is only one company that gives student loans, you fill out one application to get your tuition fees paid and to apply for loans and any other grants. Loans are repaid through income tax but only after you earn over £17,000 per year. If you never earn that much you never pay it back. If you don't pay it back after 30 years, they write it off.

What happens if you take a partial loan and you know you can pay it back in a year or two even though you're still in school can you pay it off while still in school? Can you make pay it off entirely while in school still if you can?

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So you typically have 10-20 years to pay off debt?

Which is better in terms of paying off more quickly subsidized or unsubsidized

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ALSOOO!!! A LOT of private colleges require you to fill out a CSS profile! It's available on college board, so don't forget!

Here I'm worrying about how I'm going to pay for College/University at the age of 15. Is that a bad or good thing lol #LifeSucksBalls

@syntacticalcrab

8 жыл бұрын

+Jordan Ross I think that is a very good thing. Saves you from being destitute later >.>

@erikavictoriamedrano9645

8 жыл бұрын

+Jordan Ross Lol, I'm here worrying about taxes and college at age 13 at 3:00 a.m. We're"worried about these things early" buddies~

@jordanross6637

8 жыл бұрын

ErikaVictoria Medrano I'm glad I ain't the only one lol

@scrilicon9095

8 жыл бұрын

+Jordan Ross Im worrying about this at 11.

@erikavictoriamedrano9645

8 жыл бұрын

scrilicon Stressed about adult things buddies?

are student loans applicable to international students??

@josephward5436

6 жыл бұрын

Many non-US citizens qualify for federal financial aid. One of the first questions at the beginning of the application is whether you are a US citizen. You can choose 'non-US citizen' and it will ask you the appropriate questions, like your alien registration number. studentaid.ed.gov/sa/eligibility/non-us-citizens#can-i-get-aid

Mike you are a good host.

I just finished taking care of loans and such before this video -_- I should mention that for my govt loans I had to fill out 2 things on the fafsa website. This might be new. One is a form. The other is a little informative program where you fill out answers, it guarantees to the govt that you understand your loans and the payment plans available to you.

@PinkGrapefruit22

9 жыл бұрын

shaylajacquelyn That's called the Master Promissory Note (MPN). Anyone who is awarded federal loans must sign an MPN before they are allowed to receive the funds. Basically, the FAFSA is your application for the loan, while the MPN is your way of accepting the loan once it's been offered.

@shaylajacquelyn

9 жыл бұрын

PinkGrapefruit22 Yeah and the other one is called entrance counseling. You have to do both entrance and exit counseling.

Still confused. Will I ever adult?

This was fun and useful :)

If i am stuck between two schools, one where I would walk out with no loans/debt or one that has more prestige, should I go with the school from which I would have no loans/debt?

@brentkillian

9 жыл бұрын

okay859 I would go with the no debt option. I am stuck with a massive student loan debt and the only way to get out is to pay them off or wait till I die. The borrower is slave to the lender.

@PinkGrapefruit22

9 жыл бұрын

okay859 Probably the one with no debt. Prestige doesn't necessarily equal a better education. Lots of schools that aren't particularly well known can give you an excellent education as well as offer opportunities to make connections in your field and build up skills outside of the classroom. As long as you make the most of those opportunities during your time in school, you will be well set up for your future!

@brentkillian

9 жыл бұрын

I would also say that most employer don't really care where you went to school

I took out my first private loan a few weeks ago for 26k, which is enough for one year. I just got a notice, though, that the school is only accepting 17k of my 26k loan. The 17k won't even cover my basic education and I have no way of getting the other 9k. What do I do?

How do you apply for private loans though? Can you be denied?

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What if you dont need cash?

You really should mention the fact that while you pay student loan interest the interest paid is a Tax Deduction. You will receive a 1098-E by mail or you'll be able to get the information online through the Loan Processor. So when you think about it, a longer repayment isn't a big deal when paying more over the term of the repayment for interest when you can take it off of your various 1040 forms at Tax Time. www.irs.gov/taxtopics/tc456.html

Thank you so much I was so confused

oh god i'm never going to collage my life is worthless *spirals into pit of sadness*

@veronicacabrerapomona

4 жыл бұрын

No please don't quit school. I can share my personal experience if you like. My name is Veronica. you are welcome to contact me via email: veronicacabrerarealtor@gmail.com The president of” the greatest nation in the world” ha-ha. announced a temporary postponement of payment on student loans and interests for 60 days due to the Coronavirus crisis. March 2020. kzread.info/dash/bejne/eJt2wcOOoce0qbA.html

@katrinaumana2127

4 жыл бұрын

You can always goto Trade School. Electricians, Plumbers, Carpenters, etc...make good money.

THANK YOU!

Can I start paying my student loans after all 4 years of college

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I need help, what’s the point of a student loan if you have to pay the college back anyways after you graduate? Why would I want a loan that would just build up interest? Just don’t get the point of them

@user-jx3if1xn7g

4 жыл бұрын

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I DID THE FASFA I RECOMMEND

@Nicoratboy

8 жыл бұрын

Fafsa

One more really important term to know: forbearance! Forbearance just means restraining yourself from exercising a legal right, but *in this context* it's when a loan holder will restrain themselves from collecting payments on a loan that's already entered repayment. Say you're a year out from college. You've got a pretty basic job, you're making your payments and then BOOM downsized. You don't have the income to pay the bill, and going into bankruptcy (as mentioned) won't absolve the debt. But you *can* call your loan holder and explain to them what your financial situation is like and request forbearance. It's entirely at their own discretion but they might pause the repayment schedule while you get some income established. Interest will still accrue, so it's not like this is free. However, since your payment schedule is paused, you won't have 6 months' worth of payments building up while you search for a new job. True story: say your loan issuer sent everything to your parents who decided *not* to forward any mail and now they're asking for several thousand dollars from all those bills you never saw. (1) Try to get them to place the loan in forbearance. (2) Consolidate your loans to restart the clock. The penalty you pay is interest accrued on the lump sum and an extended payment calendar, but it'll keep you from trashing your personal finances in the meantime.

Ok, so what the heck do I do, if my parent refuses to fill out the form, and I can't wait till 24 to file separately :c

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4 жыл бұрын

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so my school is offering me $41,000 which cuts my cost down to $13,000 per year and I am terrified because my family is not showing any sign of wanting to pay.they said community but the community college does not have my major. i am trying to apply for last minute scholarships (it being late May and all) and i am trying to consider whether or not student loans are worth it and where to look. if anyone can please help me that would be great bc i am having breakdowns from the panic and worry my family is causing me.

Question is this for Canada too?

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4 жыл бұрын

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Now I'm really appreciating the free higher education here in Saudi Arabia!

So scholarship good student loans bad?

yes

You Are Awesome

so if i get student loans,does that mean i can get into any college - if they accept me - regardless and i'll just pay it later when i'm making $$$

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4 жыл бұрын

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Hey Mike! Thanks for this video. As an International student, I pay almost double the fees so... BUT my problem (you don't have to read it, really, it's too different..) is that my uncle is paying a large part of my undergraduate fees, and he's also keeping me in his house with his family...which I feel very burdened about. He says that I can pay him later after I complete my studies and get a decent job, and if I go with the student loans options he would think I'm insulting him and his money. I don't know, I just feel very burdened about it and I would highly prefer to get student loan instead of taking it from your relatives, cuz I feel like a burden on people I care about :(.

@PinkGrapefruit22

9 жыл бұрын

Neha Kapoor I would recommend that, if he wants you to pay it back later, you set up some sort of formal agreement with him in writing, just as if it were a loan. Specify when you are expected to pay it back, whether or not he will charge interest, at what rate, whether there are circumstances in which you are not expected to pay it back, etc. That will protect both of you (as well as your relationship) from future misunderstandings about what this means.

@Neha71580

9 жыл бұрын

PinkGrapefruit22 Thanks. That's really helpful :)

This is really help people. Thank you for the video.

@louissimpson6685

9 жыл бұрын

Is = will 😂

holy shit i'm so happy i'm not american

@tomryan3408

5 жыл бұрын

same

@JS-hf3oz

5 жыл бұрын

Lucky

@nelsonyang8071

5 жыл бұрын

Wait these student loan only apply in America?

@samyen3210

5 жыл бұрын

@@nelsonyang8071 no but its its wayyyy worse in american and wayyy more expensive

@nelsonyang8071

5 жыл бұрын

@@samyen3210 I see

6:52 he sounded like Dr. Janosz Poha from Ghostbusters 2

Usually you get both Unsubsidized and Subsidized.

Is all this only applicable to Americans?

Yes, but how do you PAY the MONEY!? I just graduated, so my loans won't be due for a few months but I have no clue how the money goes from my bank account to the government. A check? Are checks the thing?

@PinkGrapefruit22

9 жыл бұрын

Lucy Pericles Your lender most likely has a website where you can set up an account with direct deposit from your bank account. They should send you more information about that when your first payment comes do, but if you know the name of the company that services your loan, you can probably check their website even now.

@sparstangled

9 жыл бұрын

thank you

Anybody got approved for a private student loan with no credit history ? ? ? Please let me know which financial institution

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4 жыл бұрын

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This guy is soooo cool. I like him.

My kid is in his senior year of high school. He wants to do a number of things that may require going to different kinds of schools at the same time. He wants to go to a community college over a 2 year spell and take the basic 10 classes to prepare for at least 1 associates degree in biology. He also wants to take some basic construction and business classes specializing in landscaping and design. He is a unique kid. He hangs with trustees of a local botanical gardens and works there in the summer months. These men and women are influencing him as he works for them too in business ideas. Most of them are older people that are loaded. They are taking him under their wing. One dude is worth around 20 million dollars. He is teaching my kid a bit about $$$. I think he will learn more about how to do business from these folks more than even the schools can do it.

Hey guys, quick question: Can I use a student loan for buying a car instead of the normal tuition? What type of loan is best for this situation? Note that I have not filled the fafsa ever.

@brentkillian

9 жыл бұрын

leoking938 you could but it is a bad idea student loans are not bankruptable.

@PinkGrapefruit22

9 жыл бұрын

leoking938 I'm not sure about private loans, but for a federal student loan that would be illegal. You can only use the funds toward qualified educational expenses.

@leoking938

9 жыл бұрын

I'm not planning on buying a new car, I'm looking for something cheap, like 5k. I herd that some people have used them for trips and stuff, so I don't see why transportation would be a problem. That's why I ask, are loans limited to only tuition? Private and government ones?

@PinkGrapefruit22

9 жыл бұрын

leoking938 You can use them to pay for things other than tuition, but it still must count as an educational expense. For example, room and board, books, supplies for classes, etc. Transportation CAN be a qualified educational expense, but that generally means something like the cost of flying to an out-of-state college, or the cost of gas to drive to and from school. You can also use them to pay for study abroad, so when you say "trips," that may have been what it was. Also, people illegally use student loan funds to pay for non-educational expenses all the time. It is still illegal, and if they get caught they will not only be in trouble, they will be required to return the money to the government immediately. Private loans may have looser terms, but it will still depend on the terms dictated by the organization giving the loans. You would need to speak to the lender to find out what they consider a qualified educational expense.

@PinkGrapefruit22

9 жыл бұрын

leoking938 Another reason why it wouldn't really be feasible to buy a car with student loan funds (even a fairly inexpensive car) is that the funds are sent to the college, not to you. The college will apply the funds to your account -- meaning, any charges on your account will be subtracted from the total -- and you are only allowed to withdraw whatever is leftover for additional expenses like books and supplies.