- Joined
- Feb 14, 2014
- Messages
- 1,041
- Reaction score
- 944
yes, no?
Thank you!
Thank you!
Thank you!Go ahead and do it, especially if you are just now receiving the hpsp...it can take a few weeks to get some of the money from the military but the dental suppliers for your kits and stuff won't always wait so you may need to temporarily take out a loan until you get reimbursed. My advice, get a cashback credit card to put all your kits and supplies on, then pay it off immediately if you can or get reimbursed and pay it back off. I pay every bill possible with mine and then pay it off immediately, the 1.5%-2% cashback adds up.
FAFSA with parental income qualifies you for some special subsidized loans for low income (poverty level?). But your school has a budget for it and considering that you're on scholarship they would never award them to you in the first place.
So without parental info FAFSA takes like what minutes to fill out?
No risk no harm so might as well.
But even if armed forces are late with your payment (which is almost a guarantee? ), stuff gets charged to your account so late fee doesnt matter at my school since the fin aid office knows.
I don't know if I had the option of charging instruments to my credit card because of how the way my school handles billing. If I had the instrument bill with my credit card, then it would never be charged to my school account. If it's never charged to my school account, the military wouldn't pay for it... Plus we're talking about 10k here. I wasn't going to risk getting 20 dollars back to try to dispute 10k of charges with the military. It takes forever to get regular reimbursement as is.
so if you pay your kit with a credit card or check, how do you get that reimbursed?As long as your kit is from the distributor your school uses you won't have any issues in getting reimbursed. Some schools might charge for the kits with the tuition, in which case the school just sends the military the bill, but all our kits are billed directly to us from henry schein so the only way we can pay for them is with a card or check.
same way you file for any reimbursement. You pay upfront and you request reimbursementso if you pay your kit with a credit card or check, how do you get that reimbursed?
same way you file for any reimbursement. You pay upfront and you request reimbursement
fill out a few paperwork. get proof of purchase, an itemized receipt, proof you need it. idk which specific forms the navy needs though. I got emailed instructions on how to do through my branch of service
It takes about 6-8 weeks for the money to come through. So either make sure you have sufficient fund in your bank account to do that, or open up an interest-free 12 months credit card. Otherwise holding 10 grand or so at cc apr is gonna murder you lol. The military will reimburse you for the full amount charged by the kit distributor, but all interest accumulated on your card is on you
Haha you have really good rates.Yeah with the kits you don't really have to have proof you need it, nor does it need to be itemized. They know it's a required kit and we don't control what is in those kits, just have to show them where you paid for it. Every reimbursement I've gotten with the Navy has been 2-3 weeks tops from the moment I submit it, but my Army friends say it tends to take them a little longer. Holding that amount on a credit card can bite you if you don't pay it quick, my rate with my cards are 7-9% so it's not bad if I have to hold it on there a week or two after the statement is sent. Even with a high interest rate of 12% and a $10,000 kit, waiting one month to pay that off would cost an extra $100. With the capital one quicksilver for example though you get 1.5% cash back, so that's $150 on that $10,000 kit. Still coming out on top if it takes you a month to 6 weeks to get your reimbursement back. Important thing is requesting it asap.
Yeah with the kits you don't really have to have proof you need it, nor does it need to be itemized. .
This is Navy specific. If you are Army, you will need an itemized list of what is included plus a receipt.
All this line of conversation. And, pardon me if this sounds condescending, I know that I'm literally speaking to those with four years of higher education here but, a receipt is proof of payment. The invoice you get from Schien or wherever, is NOT a receipt - it's a bill. I would be very wealthy if I had a dollar for every time someone turns in the invoice for their kit, loupes, books, practice teeth - you name it instead of proof of payment and then their reimbursement gets delayed...
Haha you have really good rates.
My quicksilver card is at 20% APR : p
That's about 16.7% monthly interest
Did you manage to have Schien charge the whole $10,000 onto one card or multiple card? My highest credit line on a single account is only $5,500