I Need YOUR Help Please-about to make a BIG move in my life!

[Cofo]

---

Members do not see this ad.

I am transferring to a different university after this fall semester. I will be moving out of my parents house and will be needing money to pay for college tuition/fees, AND I will be needing money to pay for my apartment and I will be needing money to pay for my living expenses. Basically, I will be needing a loan for EVERYTHING.
1. Who do I need to talk to in order to get a loan? I have no credit by the way. So...
2. What type of loan would be best for me?
3. My tuition will be quite low. 15 hours only costs about $3,600.00, but I will need about $1,300.00 every month to live (This includes apartment rent/utilities, and my personal living expenses.) Is it actually possible for me to get all of this money through a loan? Which type of loan?
4. I am pre-dental, so I am NOT going to have a job during college. (I am going to focus on getting straight A's, and extra-curricular's/volunteer work.) So, remember: I need a student loan that will cover EVERYTHING from tuition-living expenses.
Any help will be GREATLY appreciated. 👍 Thank you!

 

[MassTransport]

Fill out a FAFSA and apply for federal loans. Always apply for federal loans first because they are fixed interest, have more legal protections for you, and a great deal if you can get subsidized ones which do not accrue interest during school. These loans may cover everything as long as you live modestly (maybe with a roommate, etc). Beyond that, you'll be looking at private student loans. Sometimes your school also has institutional loans that are more attractive.

Each school has some nuances about how it handles finaid. The first person you should talk to is your school's financial aid counselor. Search around your school's website also.

 

[dragonfly99]

Agree with above post. Your tuition is pretty low. Your living expenses per month sound a little high. Do you not want to live in a dorm for a year? It's a good way to spend less money and also it gives you people to meet and study with, etc. Just an idea.
Also, agree with getting federal loans first. Your college's financial aid office should be all over helping you with that, if you just ask. You do need to fill out the FAFSA form, though. That's the first step to qualify for federal student loans. It's a pretty easy form to fill out.