Student loans for class retakes

[Dr. Sophrosyne]

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Hi all!

For those who have retaken classes for AACOMAS grade replacement, what did you do for student loans? Since I already have a bachelors degree and am not enrolling in a formal post-bacc type program (just retaking some classes), then the school says I'm not eligible for federal loans. I've heard that some people pretend to be seeking another bachelor's degree but I already have a bio major and will be taking upper level bio classes.

Any advice? I'm assuming most people got private student loans? If so, which are the best ones? I don't know much about loans at all so any help would be great!

 

[oOKawaiiOo]

Yes, I took out 10k to do a post-bacc at my University. Try to get the Unsubsidized loans.....lower in interest rates.

 

[FutureDrB]

Hi all!

For those who have retaken classes for AACOMAS grade replacement, what did you do for student loans? Since I already have a bachelors degree and am not enrolling in a formal post-bacc type program (just retaking some classes), then the school says I'm not eligible for federal loans. I've heard that some people pretend to be seeking another bachelor's degree but I already have a bio major and will be taking upper level bio classes.

Any advice? I'm assuming most people got private student loans? If so, which are the best ones? I don't know much about loans at all so any help would be great!

I knocked out most of my retakes while finishing my Master's, so I just used the loans I was getting then. However, I think most people just enroll as you said, like they are getting a second Bachelor's.

I'm not sure how much your school keeps up with what classes students are taking, but there were semesters when I was enrolled as a graduate student, but was only retaking undergraduate courses.

I'm not recommending that you be unethical, if you consider that unethical, but I would just enroll as a second Bachelor's degree student and then retake the classes you need to. I mean are they going to see what you are enrolled in and be like, "Hey, you are seeking a 2nd degree in Basket Weaving, why are you enrolled in a Biology class?"

The way I see it, it's your money that you'll be paying back, so take whatever the heck you want to take.

I would shy away from taking out private loans, which I believe are at a higher interest rate (someone correct me if I'm wrong about the interest rate), when you can qualify for fed loans still by enrolling as a second degree seeker.

 

[0dee]

Enroll to take a second degree, or at least that's what it will say on paper, and take the classes you want. If your undergrad school allows you to retake classes that you already received a credit for then go for it, and get the unsubsidized loan. Then, apply for fafsa because you might even get a university grant if you apply early.
How about retaking those basic prereq classes at a community college? Unless we are talking about upper division classes.

 

[oOKawaiiOo]

Enroll to take a second degree, or at least that's what it will say on paper, and take the classes you want. If your undergrad school allows you to retake classes that you already received a credit for then go for it, and get the unsubsidized loan. Then, apply for fafsa because you might even get a university grant if you apply early. How about retaking those basic prereq classes at a community college? Unless we are talking about upper division classes.

Red: If you do, its a plus.
Blue: Watch out! Once you graduate, you will be eliminated from any further grants and scholarships! I didn't know this!
Green: If your doing grade repairs, then do it at a community college. It's cheaper for the same credit hour. Try to take upper-level classes too........ it shows you can handle the rigorous work load. Aim for that 4.0.

 

[Dr. Sophrosyne]

I've read on sdn that retaking classes at a community college (i think all cc's are 2 yrs, right?) that you originally took at a 4 year university looks bad?? Especially if you're retaking to show that you can handle the material. Aren't cc classes supposed to be considered somewhat "easier"?

Thanks for the help!

 

[0dee]

I've read on sdn that retaking classes at a community college (i think all cc's are 2 yrs, right?) that you originally took at a 4 year university looks bad?? Especially if you're retaking to show that you can handle the material. Aren't cc classes supposed to be considered somewhat "easier"?

Thanks for the help!

From my personal experience, I had a harder time getting A's at my CC than my university, the teachers graded harsher and they were more involved in the labs compared to TA's at the university. If you have the $$ to splurge on those retakes at a 4 year institute then go for it, otherwise save some cash for the application cycle and retake them at a CC.