Qualifying for GradPlus loan

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Stitch10

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. I found this description of the credit qualification on the federal student aid website:

"You are considered to have an adverse credit history if you are 90 or more days delinquent on any debt or if, within 5 years of the date of the credit report, you have been the subject of a default determination, bankruptcy discharge, foreclosure, repossession, tax lien, wage garnishment, or writeoff of a Federal Student Aid debt (for example, a Direct Loan or Federal Stafford Loan)."


... I'm in my junior year of undergrad and i'm just now starting to pay off creditors whom i've left in the dark for the last year or so since I lost my last job. Thats about as bad a credit report I have.. now considering if I were able to pay off these creditors by the end of the year and keep away from any new lines of credit would I qualify for the gradplus in two years or so when I apply for med school?:xf:
 
Maybe. But I would plan on getting other loans - you may have to deal with private high interest loans, assuming you don't get a MD/PhD or other scholarship type deals. Many times your institution will also loan you money, but that $$ is limited and I think it's need/merit based, rather than financial oriented.

Although you maybe able to get one with a co-signer (I don't know what the deal is with that and federal loans - but you might need one for private loans anyway).
 
Financial aid will be able to work with you. Hopefully you won't need the Grad Plus and can just get by on the Stanford direct.

Likely you will have a higher interest rate than 7.6 though on the grad +
 
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