What was your biggest fear going into college?
I did not have any major fears going into college. I had heard stories about how people were scared of school loans and how they would struggle to pay them off. But I knew that if I worked hard, then my grades would get me scholarships and grants and everything else would fall into place after that. All I really worried about was finding enough time to do homework while working full-time, but luckily I didn’t have much trouble doing that and actually ended up getting quite good at it!
How did you pay for college?
My parents paid for everything except my first year in college. My mom gave me $10,000.00 to start out. After that, she helped me keep track of my finances and make sure I wasn’t spending too much money. She even loaned me money occasionally because I would ask her for it.
Did you borrow money from family/friends? If yes, Why?
Yes, I borrowed some money from my best friend and his family. That way, we could both go to school at the same time. He was going to be taking classes in the evenings and weekends, and I was going to take mine during the day. We only asked our families for help before applying to schools though. Otherwise, everyone thought we were crazy.
Did you work during college? What position?
I worked at a fast food restaurant while I was in college. I started off making burgers and sandwiches and eventually I became the manager. I took on many responsibilities including overseeing the entire kitchen and all employees, ordering supplies, handling payroll and keeping records.
How long did it take you to graduate?
It took me five years to graduate from school. I went in the middle of my sophomore year, graduated in December 2001, and got my degree in May 2002.
Was College Worth It?
Absolutely! It was definitely worth it. Even though I was paying for everything, I felt like it was well worth it. Plus, my experience in the business world now helps me understand what goes on behind the scenes and makes things easier for me.
What advice would you give someone who wants to go back to school?
Don’t! Unless you know you want to be a doctor, lawyer, dentist, or something along those lines, don’t go back to school unless you absolutely need a degree. You should just try to find a job that pays well, save up some money, and then move forward. Don’t feel pressured to go back to school just because you think you might regret it later. Sometimes you forget how much you learn in school until you actually start working.
Laurel Roads Student Loans
Description: “Laurel Road student loans help students pay their tuition costs at four-year colleges. There’s no cosigner, and if you’re participating in financial aid programs like Pell Grants and federal work study programs, you may not have to repay anything.”
What are some things I need to know about financing my education?
What do you want to call your loan? How much money do you owe? Do you pay interest or is it deferred? Are there any tax ramifications? These questions are fundamental to understanding student loans.
Laurel Roads Student Loans
This video was created as part of the Laurel Road student loan forgiveness program at www.laurelanetide.com/learn-about-the-program/. Students who have completed their undergraduate studies prior to August 1st, 2015 qualify for the $18,000 loan forgiveness. Full terms and conditions are located at www.laurelandroiders.org.
Student loans have become a major burden for millions of people who want to attend school. That’s why LaurelNetworks was started: To help people get out of debt and start their own business.
Laurel Road Student Loans (LRSL)
LRSL was founded in 1993 to provide students in need with educational financing services. LRSL partners with community colleges, credit unions, and banks nationwide. As a student loan servicer, LRSL offers education loans underwritten and guaranteed by the US Department of Education. Through their online portal, applicants can search for financial aid, apply for loans, manage payments, and view account information.
Federal Student Aid (FSA)
The Federal Student Aid website provides helpful resources including grants and scholarships, financial aid calculators, and tips about how to pay for college. Students who complete their Free Application for Federal Student Aid (FAFSA) should expect to receive notification regarding their eligibility to receive federal funds. If they qualify, FSA will notify them via email, mail, text message, or phone call. Applicants may submit their FAFSA at www.fafsa.ed.gov or 1-800-4-FED-AID (1-800-433-3243).
National Direct Loan Program (NDLP)
The NDLP is a federally run program that handles both subsidized and unsubsidized Stafford loans. This program helps students finance higher education costs by offering fixed interest rates, no private student insurance, and flexible repayment options. 4. Bankrate’s College Savings Calculator
Bankrate’s College Savings Calculator is designed to help parents determine what type of investment best meets their child’s college goals. Parents can use the calculator to compare traditional savings accounts, 529 plans, Coverdell ESA’s, Roth IRAs, and prepaid tuition plans. There are three types of calculators: retirement, tax-free savings accounts, and college savings.
FAFSA Preparation Tips
If you’re applying for financial aid, here are some things you might want to think about before filling out your free application for federal student aid. First, make sure that you have filed, using the FAFSA.com tool. You’ll be able to check whether your school received your completed FAFSA application. And remember to attach your W-2 forms. Second, don’t forget to sign up for e-statements. These statements will help you track your progress throughout the year and keep you informed if any changes take place to your eligibility for financial assistance. Finally, try not to procrastinate! Getting your applications submitted early will ensure that you get the maximum amount of financial aid.
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