Private College Student Loan

Has anybody ever used Wachovia for an education loan? Please email me if you have, I need some help on something...

Has anyone ever used Wachovia for an education loan? Please IM me if you have.

I am stressing about not receiving my student loan? HELP!!? Does anyone have a Wachovia Individual Education Loan? How long did it take to come??

Help please, with first time student picking a lender for a student loan? what am i suppose to look for in a lender? do they offer all of the same percentages and benefit's? i really dont understand any percentages rates or if a high number or low number is good, i feel hopeless. what is a Origination Fee and a Guarantee Fee? and which is better to pick a Subsidized Stafford or unsubsidized loan? these are the lenders i am looking at: Wells Fargo NelNet Bank Of America Wachovia Discover Student Loans Fifth Third Sallie Mae Education Trust

What stafford loan lender would be the best? Sallie Mae Education Trust 802218 Effective for loans guaranteed on or after June 9, 2008 0.25% Interest Rate Reduction for automatic debit Nelnet 833669 0.25% interest rate reduction for borrowers who make payments using our auto-debit process. KeyBank 811025 Zero Default Fee .25% interest rate reduction for direct debit payments from any checking or savings account Interest is only capitalized once at the time of repayment Easy online application with e-Signature feature PNC 809402 0 Default Fees with participating guarantors .25% interest rate reduction for auto debit from ANY bank account SunTrust Bank 820564 Effective for loans disbursed on or after June 9, 2008: 0.25% interest rate reduction for borrowers who sign up for ACH Easy online application process and e-signature option Fixed Interest Rate - 6.0% for subsidized undergraduate and 6.8% for unsubsidized 24/7 Online account access No pre-payment penalties Flexible repayment options Wachovia Education Finance 830005 Effective for all loans disbursed on or after July, 1 2008: 0.25% interest rate reduction for ACH No pre-payment penalties Flexible repayment options Free “Money Smart” financial literacy program on line Free Checking, Savings, ATM cards AMS 833067 Effective for loans guaranteed on or after June 9, 2008: 0.25% Interest Rate Reduction for automatic debit

Best lender for student loans? What is the best lender for my student loans and what criteria should I base my choice off of? These are the ones I have to choose from: national city bank chase keystone best citibank edamerica inc citizens bank of PA wachovia education finance suntrust education loans PNC bank thanks

Does the 138,500 student loan cap include past private loans that are now consolidated through the Government? I know the cap for total/lifetime student loans is (or at least was) 138,500. I may come close or slightly over that number to finish my graduate education. Some of my PAST loans were private loans like Wachovia, for example. However, those private loans were consolidated under the new Federal Government programs. So my question is do those past private student loans that have now been consolidated, count toward the 138,500 total cap?

i need help deciding a lender for school loans...are they all created equal...i am getting a subsizided loan? ASAP union bank, access group, all student loan, bank of america, chase , citibank, chela financial, discover loan, ed america, navy federal credit union, national education, nellie mae, sallie mae, wachovia, and wells fargo ..by each one..they all have a number in parentheses..what does that mean?

education financial problem? which bank should i apply for a parent plus loan?? i already have a loan with wachovia. what other should i consider that has a low rate. citi bank? citizen? pnc?

i want to take out a school loan. ? i have 6 companies to choose from . which one is the best company to deal with for taken out a school loan. please any one with experience. the choices i have are wachovia, wells, fargo,bank of america, us bank, nelnet,or sallie mae education trust??please let me know

I want to take out a school loan. ? I want to take out a school loan. ? i have 6 companies to choose from . which one is the best company to deal with for taken out a school loan. please any one with experience. the choices i have are wachovia, wells, fargo,bank of america, us bank, nelnet,or sallie mae education trust??please let me know

dropping out of college? im droping out of college (trust me its for a really good reason) now i plan not to go back to school at all. Wachovia sent me a bill for $9,347.00 for my education loan. Im supposed to start making payments in summer 2009. and $3,000 of that loan are for classes that i didnt start taking yet. when i drop out will i have to pay it all back. will they make me start now?

Information On How To Acquire Money For A Student? Okay, so I'm in a serious bind. I am (or was) a student at Midlands Technical College in South Carolina. I signed up for 4 classes during the Spring 2009 Semester, but ending up dropping them and only taking 1 class because of personal reasons. This dropped my student status to Below Part-Time. The school requires that the total tuition, books, and class fees be paid for the semester if you are below part time. I went the entire semester thinking that my financial aid covered this (I'm the first person in my family to attend college so I was unaware of how things were done, I had already missed a semester because we incorrectly filled the FAFSA). It wasn't until after the semester was over that I was told by the college that I owe them $1,438.50. I've already been able to pay a little bit of that because I joined a monthly payment program. It was the only program the college offered and while you're in the program, you may not attend school. Well the bind I'm in was my father (who I live with) is unable to help me out with co-signing a loan to pay off the debt, I can't qualify for any student loans with Wachovia, and at the rate I'm going I won't be able to pay off my debt before the next semester. If this happens I will be taken off my dad's Medical Insurance and not be allowed back on. Does anyone know of any programs, grants, loans, anything that I can apply for that I would be able to pay back over time that can help me get back into school for the next semester so I can continue my education and dream of becoming a CPA?

Can you answer questions about college loans? I filled out the FAFSA form and it reported that I would get around $5320.00 to help pay for my education, possibly more depending on if I get Pell Grants or the Stafford Loan. I need more money. I need to get an apartment because the college I got into doesn't have very many rooms for Transfer students. Can I go through a bank, like Wachovia, to get a loan that will help pay for an apartment, a laptop and college? I'm very confused about all this, I'm not sure what to do. I was also hoping to find a loan through a bank that could be paid after I leave college, like starting six months after. Is that possible?

May have to declare bankruptcy at 21 years old. I need advice.? I'm sorry this is so long, i'm just trying to get an informed opinion about this and i'm giving all the information I have. I am a 21 year old wife and mother of one living in Illinois. I am just short of $30,000 in debt and I am crumbling under the pressure. The first thing is, I acquired all of the debt before I was married, none of it has my husband's name on it. The majority of the debt is a student loan I took out from Wachovia for my first year of college. The rest of the debt is medical bills and a smaller portion is for a credit card I took out my first year of college at the urging of my parents. I had to leave the four year university I was attending because I was not eligible for financial aid and my scholarships didn't nearly cover the expense. I also was not able to find any lenders to loan to me again. So I went without college for a year and began paying my loan back. I am now enrolled in a community college and still don't qualify for either a loan or financial aid. I pay my tuition out of my own pocket every semester. I only make around $800 a month, my husband makes the same. Our living expenses total to around $1300 a month (with NO extras I might add, just the absolute necessities). This only leaves me with $300 a month to try and pay off thirty grand. It seems impossible. I made the big mistake of getting behind on my student loan payments and the credit card payment the year I was out of school. Because of this, Wachovia will not grant me loan deferment while i'm enrolled in my new school like they do for most people. I am paying as much as can but still not making minimum payments and they are threatening loan default. The card company is losing patience as well. It's difficult because I was irresponsible for one year and I cannot catch back up even though i'm paying the absolute most I can spare. We've made good on my medical bills so far, but i'm scared that soon I may fall behind on those too. I'm wondering if bankruptcy is an option for me. Because we are so far behind, we won't be able to continue my education after I am done at this community college. The closest four year university is hours away and we couldn't afford to send me anyway because I cannot get a personal or stafford loan nor financial aid. We cannot afford to move anywhere near these universities anyway. It looks like until I can get this debt under control, I won't be making any more money so I can take care of my family. I made dumb mistakes that I cannot seem to get out from underneath. Is bankruptcy my only option? I don't want to declare bankruptcy at 21 years old, but I will if it's the only way. On that note, will my husband have to declare bankruptcy with me, or can I do that separately? He has no debt of his own and I don't want to blemish his record if I don't have to. Also, if I declare bankruptcy, will Wachovia go after the person who co-signed my loan for the money (an uncle)? Will the credit card company go after my husband even though his name isn't on the account? I really want to get this squared away and I don't know what my options are. Please give me some advice. My husband has been so understanding about everything from the very beginning, but I don't want to drag him down with me anymore than I already am. I should also mention, that we rent and do not own a house. Our vehicles were purchased with cash and we do not owe anything on those. Beth - Thank you. I am glad to hear that my husband won't be accountable for the debt. As for the student loan, I just found out that those cannot be wiped by bankruptcy anyway. But if I can get the other debts under control then paying back the student loan won't be impossible.

Student Loans coming due - and there are no jobs....? My husband's student loans are coming due in Feb 09, and there are no jobs. The day before he officially received his masters in education, as a matter of fact, the state announced massive layoffs for teachers. The people at Wachovia have been unwilling to discuss the issue with him. He is currently a stay at home dad, while I work. Our daughter turns 2 in a couple of months, so she will need a full-time caregiver if we both work, which means that he will have to make enough to cover all of her childcare, plus his student loan payments. Most temp jobs won't even cover the expenses for her childcare, not to mention paying off the loan. Also, most temp agencies and other companies won't consider him for temp or part time work because he is "over-qualified/over-educated". Other than this loan coming due, we have excellent credit, and I am concerned that this situation will kill our future credit and home-buying opportunities. Is it better for us in the short-term if we divorce while he remains unemployed? How are others handling the student debt issue in this economy?

Need help amending taxes and filing for 2007? I need to amend taxes for 2003-2005 per the IRS. They are stating that I owe $8,000 to them. I amended the 2006 one already. I have also requested from Wachovia all bank statements from 2003-2005 since I was an independent contractor (courier) for a company that stated I made $15,000 and this was not reported to the IRS during 2004. During that year, I had an engine put into my car, car maintenance, tires, mileage, misc supplies, pens and pencils also. Even though I could have potentially received monies, I did not, everything was taken for defaulted student loans that I still owe $6,000 on. This past year I had a baby (tax credit), paid 10 payment sof $125 to the Dept of Education to get my loans out of default, these were interest payments. I was single 10 months out of the year and would like to claim head of household but can not since my boyfriend and I lived together and he is claiming head of household at this address. I want to amend all old takxed before filing new ones. Help

What stafford loan lender would be the best? Sallie Mae Education Trust 802218 Effective for loans guaranteed on or after June 9, 2008 0.25% Interest Rate Reduction for automatic debit Nelnet 833669 0.25% interest rate reduction for borrowers who make payments using our auto-debit process. KeyBank 811025 Zero Default Fee .25% interest rate reduction for direct debit payments from any checking or savings account Interest is only capitalized once at the time of repayment Easy online application with e-Signature feature PNC 809402 0 Default Fees with participating guarantors .25% interest rate reduction for auto debit from ANY bank account SunTrust Bank 820564 Effective for loans disbursed on or after June 9, 2008: 0.25% interest rate reduction for borrowers who sign up for ACH Easy online application process and e-signature option Fixed Interest Rate - 6.0% for subsidized undergraduate and 6.8% for unsubsidized 24/7 Online account access No pre-payment penalties Flexible repayment options Wachovia Education Finance 830005 Effective for all loans disbursed on or after July, 1 2008: 0.25% interest rate reduction for ACH No pre-payment penalties Flexible repayment options Free “Money Smart” financial literacy program on line Free Checking, Savings, ATM cards AMS 833067 Effective for loans guaranteed on or after June 9, 2008: 0.25% Interest Rate Reduction for automatic debit ALSO, how much should I borrow?..this 2008-2009 semester is 6,300..how much would I borrow? I am getting financial aid done also so yeah. but havent received anything.