[ SECRET POST #2696 ]

[case]

⌈ Secret Post #2696 ⌋

Warning: Some secrets are NOT worksafe and may contain SPOILERS.

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Notes:

Secrets Left to Post: 01 pages, 023 secrets from Secret Submission Post #385.
Secrets Not Posted: [ 0 - broken links ], [ 1 - not!secrets ], [ 0 - not!fandom ], [ 0 - too big ], [ 0 - repeat ], [ 1 - posted twice ].
Current Secret Submissions Post: here.
Suggestions, comments, and concerns should go here.

Comments

Re: Tips for college loans?

[(Anonymous)]

In my experience, the lowest rates to be had were the US government loans. But going to school in the middle of the credit collapse didn't help things there.

Definitely look at interest rates. If you go with a bank, find out how flexible they are with terms and interest. You may be able to talk them into giving you better-than-published rates. Borrow the minimum and work out a schedule to pay it back. Then stick to that schedule. Beware of adjustable-rate loans, title or payday loans, or loans that offer you no incentive to pay back early. Also look for things like reduced interest if you set up autopay, or reduced rates for having accounts at the same bank as the loan. Always read the fine print. If you go with a US gov't loan, make sure you know the difference between subsidized and unsubsidized.

Do you have a credit card? What's the interest rate on it? What about your parents' cards if they're involved? Compare those rates to the loan rate. Are there people (parents?) you can ask for a loan instead of going through a bank? Can you join a credit union?

An alternative: buy a cheaper or used machine? Use the school's labs? Can you get a part-time job that would cover these costs?

Re: Tips for college loans?

[(Anonymous)]

OP, I just read some some of the stuff you posted while I was writing this. I get not wanting to ask parents, etc.

An odd piece of advice - can you take summer classes, for which you'd receive financial aid, and use that to cover the computer and bills? I'm assuming you get a living allowance and that'd pay for these things.