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It's been almost 5 weeks and my private loan money still HAS NOT come in yet! The school is Virginia State University and they are really really screwin me. I have zero rent and utility money and they keep givin me the run around about getting me my check sayin it will be here in a couple of days. I'm runnin out of time and patience.If I dont have rent money by next month I'll be homeless and unable to go to school. The loan company says they can't do anything because once the money is disbursed to the school they dont have control anymore. If the rent is not paid my roomates credit will be slaughtered and me, her, and her baby will be HOMELESS! SOMEBODY PLEASE TELL pennsylvania SOMETHIN I CAN DO! I'm already EXTRA STRESSED and feelin pretty helpless...serious answers would really be greatly appreciated..Thanks
OK, first of all, calm down! You can't sort out this problem acting completely irrational... Let's consider a couple of things: You are going to a school of thousands and thousands of students. THINGS TAKE PROCESSING TIME! You cannot expect your school to turn out a check to you immediately. Things just do not work that way. The financial aid office at your school is processing hundreds and hundreds of student files a day, so these things take time. Secondly, why have you allowed yourself to become so dependent on private loan money in the first place? This is not a smart financial move, for your financial situation now (obviously) or in the future. I'm sure your interest rate is pretty high (15-20% is my guess) and that you are taking out quite a large amount of money (as most students I see do). Have you considered how much time you will be repaying this loan in the future? How much interest you are going to pay over the life of the loan? What your minimum monthly payment is going to be? While it might seem like the easier thing to do for the time being (not working while going to school gives you more time to study, right?) it is absolutely not the wisest choice you could make. You are sacrificing so much later in your life to have things super-easy for you now. If you have a huge student loan debt to repay it can delay your ability to purchase a home later, buy a nice car, etc. It is much better for you to stick with what you can get in federal grants and federal student loans (where the interest rate is only 6.8%) and get a job to cover the rest (partial rent, food, partial bills, etc can easily be covered if you work more than part-time, like maybe 30 hours per week). Believe me, it is not easy to work and go to school, but it is possible and you will be far better off in the long run by not accumulating debt that was completely unnecessary and will be difficult to repay. I have been there and done that, working full time while attending school more than part-time, so it is possible, with lots of determination and dedication. You will put yourself in a better financial situation once you complete college and truly become a self-sufficient, adult member of society. So,with all the counseling said and done, my advise to you is this: Contact the person at your school that is responsible for the processing of private loan checks. PLEASE act courteously and maturely--there is no need to yell because that is not going to get your question answered any better. understand that we are human beings who are responsible for hundreds and hundreds of students files and we can only process things so quickly. Ask about the average time frame in which the funds are usually disbursed. This person should be able to help you and will be willing to go the extra mile for you if you explain your situation politely and calmly. Hopefully this will get you the answers you need. Next, speak with your landlord/apartment manager to let her know beforehand of your troubles and your intention to pay in full. There may be a late fee assessed, but if you speak with them you may be able to avoid getting a 3-day notice to pay or vacate the premises, which I know can be very stressful. If you contact your school first to get an expected disbursement date, then you will have a date to provide to your landlord of when you can pay. Hopefully they will be understanding.
Wow, you took out a big loan. If you had a good relationship with your apt. manager you could explain it to them. Have the school explain it to them. As for the utilities, they won't usually cut them off over a few weeks late, I know. ;) And your school will get the money to you, just be patient. First time borrowers disbursements often take longer, up to 30 days longer.
Sounds like you need to find a new school!..lol...I'm glad I went to a white school because most black schools have serious issues when it comes to their bursar offices...You need to leave school and get a job for at least one semester so you can have some emergency funds. Obviously money is tight for you or else you wouldn't be one check away from homelessness. When you leave school no potential employer will look down on you because you graduated a year or two later than normal. You're friends might laugh at you but they aren't going to be there to give you money when you're broke so you can ignore them. Your credit is the most important thing in this country! Even more important than a degree! Make sure none of your credit cards are late and is paid in full. It's better to work at Mcdonald's with great credit than it is to make $70K and have bad credit. PS - Virginia State is a great school, my cousin went there for undergrand and VCU for grad and now he's an engineer.
Normally loans go directly to the school,, students usually do not see the loan money unless it is a short term loan. Do you have work study,, if not you need to get a job
Be mature and talk to the landlord and explain the situation. Get a job to support yourself as well as relying on the check from the school. You must have friends.......you can't be homeless unless you haven't planned correctly. Spend your money on necessities instead of beer and you will be OK.
Sue the *******. If you're supposed to get money, and they aren't giving it to you, sue them. It's pathetic that they would do that while running a multi-million-dollar educational institution.
Well one thing ive learned about females is that when they are mad THEY ARE MAD! so my advice is get on that phone and show them how mad you arre.