Private College Student Loan

can i use the chase bank education one loan for beauty school? what about a car? i can get up to 40,000 dollars, but i only need a little less then 10,000 for beauty school. but, it says something about transportation and i don't have a car. do you think i could use this loan to buy a car to get to school? more importantly, can i use this loan for a beauty school? all comments are appreciated, thanks. sorry if this question seems a bit airheaded, i'm new to all of this.

anyone know much about consolidating private chase education one loans? Can you consolidate them easily through different companies? I know they dont offer consolidation except federal loans, but i was just making sure I could consolidate them through another company, like wells fargo, or somewhere. Most companies I have looked at say they can consolidate any nationally marketed private loan, but I saw something that said some cannot be consolidated if they arent 1098 E eligible? It doesnt say anythnig about that on the chase web site, or credit agreement, but I was just wondering if anyone had any experience with consolidating their private loans in general. Ive taken out a couple loans through them already...and im getting ready to graduate soon...so im doing some research. please dont tell me about federal loan consolidation...i already know about that....its a much easier process....only give advice on private loans, please!!! thank you so much!!

Education loan? I am looking for an education loan dispensed to me and has no origination fee. I need to spend the loan on my rent and other life expenses beside tuition, thats why I want the loan to be dipensed to me. I looked up education one loans by chase but the origination fee was 3-10%. This is highway robbery. Is there any loans out there with no origination fee?

Education One loans from Chase Bank? are there any hidden costs, or problems with this lender?

Question about the Education One Loan? Im going to attend texas a&m international university next fall, but i only got the pell grant for $2360 and te acg grant for $750. the school is also offering a subsidized loan of $3,500, totaling in $6,610. The estimated total cost of attendance is about $16,058. I dont want for money to be the reason i dont go to college. I got this one letter from the chase bank, and they are offering me up to $40K for my education. I talked to my parents about it, and my father agreed to be my co-signer. But i still have a question before going forth with all of this. Is the amount i get from the grants i got and the subsidized loan per year or semester? if i get, oh, lets say $12k from the education one loan, will i receive that money per semester? per year? or will they just give me the money and thats that? what would you do if you were me, would you deny the subsidized loan from the school completly? also, can i buy a car with that money? cuz i kinda need one. i do have a part time job, at BK. i didnt say i was going to deny it, i just said should i and just stick to the private loan.

Which is the best to take out a loan from? I am a college student and i am going to have to take out a loan for next semester. This is the first time I have ever did anything like this and I dont know who to take the loan from. My college has a couple of private lenders listed like the Academic Answer Loan from Suntrust, Chase Private student loan (non-certified), Sallie Mae Education Trust, Chase Select Private Loan, Sallie Mae tuition answer (non-certified), wells fargo colligiate loan, discover private education loans, wells fargo education connection loan (non-certified), discover private education loan, and CitiAssist Loan. Which one should i choose? Would it be better if it was non-certified?

Anyone other than Wellsfargo & Chase still doing private student loan consolidations?.? I have a problem here and I’m hoping someone can give me some direction. I have about $50k in government backed (sub & unsub) student loans I used for my bachelors and masters. Those are now coming due and I’ve got an application into the US Dept of Ed to get a federal consolidation on them. I think that will be fine and roll into one manageable payment. BUT I also have another $70k in private education loans with a few different lenders that I needed to make up the gaps over the years. I need to consolidate those but it seems like not nearly as many lenders are doing private consolidations anymore??? I know why, the economy and credit conditions. Chase and Wellsfargo are still but I tried and they both denied me saying my debt to income ratio is bad. I have like a 750 credit score and about $60k a year in income and beyond these education loans though I have a small under $15k car loan and that’s it, no credit cards?? The several different payments spread out on these private ones are high and killing me. Does anyone know what I can do or where I can turn?? It looks like the Dept of Ed won't touch private loans either, tried that avenue...Thanks.

What is the difference between Education One student loans and Astrive student loans? Education One seems to be backed by Chase Student Loans. Astrive student loans seems to be backed by First Marblehead. So why do they both have the same loan application and terms. Which one should I go with?

How do college loans work? I am currently looking for a college loan and have applied for an Education One Loan through Chase. The terms are full deferral with 4.5 Deferment Period Margin. 4.5 Repayment Period Margin and a 7.50 Loan Origination Fee Percentage. Interest is Accrual beginning on Disbursment date on each day divided by number of days at the Variable Rate. The Variable Rate is the Current Index plus a margin. Does this mean my interest is 7.95 (market) and 4.5 Margin..eg. 12.5% from the origination fee of 7.5%? I need help understanding how much this is going to cost after college. Regards, Bryan agreed. i dont want to get anally raped either. it seems like 12.5% yearly rate and a 7.5% charge on the front end. Seems high..although it is a private long term loan. I figure 14% a year in the stock market..with a trust fund building. I dont want to pay 200% in 5 years. That would be extremely high. I need this in a quick figure so I can figure out my best option. Not worrying about it...is why im getting the college loan. obiously...im looking for a private loan. i dont want to have the restrictions of a federal loan. im a rich kid. i dont live cheap.

What is the best student loan for me? I am unemployed with no income, my parents make $150,000/year and they will most likely be my co-signers. I am pretty sure the income is too high for a FAFSA loan. Would it be wise to go with a bank loan, such as Chase's Education One? What other options do I have?

heres my situation...i have 19 open accounts, 3 are w. sallie mae, 1 is us dept of education, chase, walmart,? hooters, aspire, homedepot, target, fingerhut, care credit and cap. one. included on which i am an authorized user discover, cap one (a different one), jcpenny. i used cap 1 and discover for balance transfers so i can cancel hooters, aspire, orchard. i also transferred my person cap 1 card but intend to keep it. if i cancel walmart, fingerhut, target, and dell will that severly lower my credit? i know its not good to close account because then they wont report, but its also not good to have too many open accounts. my total personal debt is 5500.00 in credit debt. the student loans are about 8000.00 but im not worried about those at this moment since they are not in repayment. I also have one judgement against me from an apartment i had in 2002 and didnt know the boyfriend didnt pay rent on. i intend to pay them off in 2 weeks. did i make any sense here? lol...what do you suggest? what will hurt and what will help? my available credit is about 20,000.00 and... my three scores are 589, 608, and 610 at this moment i just had alot of cards with low limits and high interest so I transferred 5 balances to the low interest cards. i want to be able to get approved for a house or an apartment for myself and my daughter within the next 1-3 years so am trying to fix my credit now and pay it off

Stafford, Perkins loans, Banks, Interest rates?!!! HELP!!!!!? I got my award letter from the Uni. I applied to. I really just wanted grants,and scholarships but they gave me a Federal Sub. Stafford loan to,and my reaction was W.T.F.! I'll looked everywhere to find out what I'm getting myself into if I accept the loan and to make a long story short it's like I'm reading a foreign langauge. Someone Please explain to me in layman's terms what are the pros and cons of a Stafford and Perkins loan,and out of these list of banks which lender is good. AMS (A Sallie Mae Company) BancorpSouth Bank of America Cadence Bank Capital One Student Loans Chase Citibank Citizens Bank of Philadelphia Edamerica Education Services Foundation Sallie Mae Education Trust Student Loan Xpress The Student Loan People Wells Fargo The Stanford loan is for $5,500.00 although since I'll transfering as a junior(went to a comm. college first and got a AA degree) I know I'm going to eventually need atlease 2 or 3 more semesters of loans.

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

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?

What is it really like being in the video game industry and is it worth a try for me? Video game design/development is always something that I've wanted to do with my life, it's been a dream of mine for as long as I can remember to try and land an internship or a QA testing job, and work my way up the industry ladder and eventually get a job developing my own concepts and creations on a major AAA console tittle and/or pc. I will try to keep this story short for all intents and purposes but I would appreciate any sort of insight from anyone who is either in the industry, or has some sort of experience from the industry, or anyone who knows anyone tthereof I'd like to know for one if it's reasonably feasible for me to chase my dream here, and if the industry is all it's actually cracked up to be after all... as I've heard that in some careers you don't actually have a life outside of work and end up spending 60-100 hours a week at the studio office developing and working for meiger pay ( although if that leads to other horizons I'd be willing to make sacrafices). The name is Rob and I'm 23, currently in between jobs and have some job experience that I must first admit has nothing at all to do with video game design, don't have any coding knowledge and not familiary with production power houses like Mya/3d Max or others. Although I have done some freelance game moding, such as weapon, level, level prop, and character mod's for games like halo and half life and I'm a life long passionate gamer. I tried attending ITT Technical institute for a tech program, but found out that credits almost never transfer, there educational facilities were very underpar at times, and also found that they wanted BOOKOO tuition for what they were offering. So now in my life I'm sittting here in between jobs, in debt to the department of education among other student loan lending organizations, and I'm basically stuck and almost shit outta luck. Is it worth going back to school and is it really truly worth it if/when I get there to go to the great lengths I'll need to to get skills for game designing?

What do I do about my financial burden? *sigh* I don't know where to begin. It's a long story.... I will be a undergrad freshmen( I hope)and want to go to an out-of-state private university. To make this portion of my story short, I applied, and got in. In fact, it's the only school that accepted me. I did my FAFSA early and finds out that with all my scholarship money, grant money and federal stafford loans (both sub. and unsub) I STILL don't have enough to finance my education! So I started to apply for private loans from companies such as Sallie Mae and Chase Bank. I'm approved for the sallie mae loan, but my cosigner isn't. In fact, it seems as if my ENTIRE family has bad credit, because they keep getting denied their cosigner portion of the loan -_- And I don't have any credit either.I can't apply to any other schools because I am literally broke, as in I can't afford to pay the college's admission fee, and I can't get a fee waiver. At the moment I am applying for every job under the sky, but with the economy, I'm just going to leave it at that. When I try to sit and down and talk to my mother about this she's gets very defensive, starts yelling at me and talking over me. She keeps telling me that "God got it", now; no offense to any believers out there since my intentions are not to start a riot or hateful forum, I just feel that I am a Realistic person. And let's be honest, when it's time to pay the bills, no one would EVER tell their bill collectors that "God has it". *sigh* I am literally at my breaking point. I'm an 18 year old female with-out any help from almsot anybody (I will also be the first in my family to go to college... If I make it there in the first place) and I am sick of talking some people who don't know what the fudge they are talking about and with bad credit. My question to you all is what do I do or what CAN I do or is there anyway to apply for a private student loan with-out a cosigner? I feel like I really need help with this financial hardship because I have been stressing out every minute, and the stress is starting to feel like I'm having mini anxiety attacks. Thank You for reading and reviewing my question.

Financial Consequences of Foreclosure - 21 yr/old Graduate Student HELP!? Good morning all, I need some major advice. I am a 21y/o MBA student, still searching for a more-tha-customer service job: and 2 yrs ago I purchased a 4br/2bath home in Cenrtal Florida for 175,000. The mortgage is about 1600 per/mo and I have tenants there who are paying 1100 per month. With assoc fee and all, I have to pay out of pocket (about $700) to make up for what the tenants dont pay. I was originally hoping to have that as a long term asset, retirement home, blah. After all expenses, what I save at the end of the month is only 150-200 per month. I still live at home with my mom (widow) and I help her out. I am in the middle of my Master's program and have to date, about 60,000 in student loans which i will not have to pay until after graduation (i also want to get my PhD, so that ill be done with school either december 09, or 2015 if I go for the Dr). I do not save at the end of the month for a rainy day, a saving, to pay for school, or for a future...here are my questions: 1) since foreclosure records lasts 7 years, would it be reasonable for me to give up my home, and when im 28 look into buying a home again? 2) is it worth it to just continue with this sacrifice? my mother, lil bro and sis all live in a 2br condo, i wanna give my room up to one of the kids and move into a room or sublet elsewhere.. 3) the mortgage is joint-tenancy with right of survivorship, so my mom and I are joint owners..would they come after our condo if I foreclose on the house? The condo we llive in is under countrywide, the house is with Chase. 4) I am planning on joining the coast guard to be an ensign officer, liutenant b/c of my education..would a foreclosure affect my ability to enlist? any other suggestions or feedback would be most appreciated. I can't offer anyone anything but a thank you, but again, any ideas or suggestions will be highly thanked. Regards, cmletamendi@yahoo.com

Do I need to re-apply if I want another student loan from the same company my other student loan is from? When I first got into college a couple years ago, I applied for a loan through Chase and was approved. Now that money's run out, and I need more money to pay for my education. I also get the Federal loans, but they're not that much and this year at my school tuition skyrocketed so I was left with no money to buy my books or anything after my tuition was paid with those loans. I also don't get grants and or scholarships (believe me, I've tried) and my parents are so broke they're THIS CLOSE to losing their house :(. I want to get another private loan from Chase, but since I already applied and was approved for one loan, do I have to re-apply again? Or can I just call them up and say I want to take out more money? They used to send me things in the mail all the time asking me if I wanted to borrow more money, but I haven't gotten one in a while...

what do I need to know before applying for an education student loan? and can such loans be used for my housing (apartment rent) or only direct educational expenses. I am looking at Chase Education Loans. I am a 3rd yr undergrad. I plan to go to grad school directly after undergrad. Do payments begin after undergrad or graduate school? Tyvm.

Is it ok to apply for a loan for education prior to getting an acceptance? I got something fro chase for a loan that I will most likely HAVE to take out. I am not sure which college I am going to attend. Is it ok to contact them anyway about it?

Education loan - what is the best bank to borrow from? I bank with Chase and they seem to have a pretty good rate. I've also checked out Astrive. Both seem reasonable to me. Can anyone share experiences they've had with either or recommend someone better? Please do not give me information on scholarships and government money, I need information on a loan only. Thanks!

Why did they charge me for this in my student loan? I got a private education loan from CHASE last week for the amount of $22K. I received the check, and I deposited into my checking account. I still haven't touched a penny from my deposit. Today I received my disclosure statement and it says I have a 6% rate but there is a $19,000 FINANCE CHARGE and it says that it is the dollar amount that the credit will cost me!!! So I have to pay $43K now. Since I haven't touched the money I wanna give it back and cancel it, because I was never aware of that finance charge. What would you recommend?

Is it smart to increase my student loan amount to pay off my credit cards? Also, penalty 4 paying back extra? I have a question. I'm approaching my school's deadline for paying my tuition, and I can't pay for it by myself. It's about 6K a semester, and I'm requesting about 10K in student loans to help me. I'm about to get a Wellsfargo Education Connection loan found here: http://wfefs.wellsfargo.com/jump/rates.html Questions: 1.) I was thinking, is it smart to increase my loan amount by 2K to pay off my credit cards with my extra loan amount (chase student cc 27.24% APR I think, wellsfargo student cc at 12.35% APR), so I don't have to worry about them any more? Or is there something I'm missing here? 2.) If I OVER-ESTIMATE my loan amount (Say I have 2K extra than I thought I would need), can't I just pay back the extra 2K, and still have the same rates as I would have if I had gotten a 10K loan instead of a 12K? Or would they penalize me? Since I don't know EXACTLY how much I need, it just seems smart to be safe. Or is it not smart to do that? 3.) Can I start paying back my loans immedietely? Like I do with credit cards, paying a little back while I'm in school? Any downside to this? Will this decrease the amount of time I have to pay it back? Thanks. Applying for the loan tonight if I get enough info. Last day to apply is tomorrow. Looking forward to the advice! To who asked about the loan rate, Not sure. Gave a link to wellsfargo on the rate of the loan. Not sure how to read it. Coutner-question to your answer. Would a 12K loan that I pay back 2K immediately (=10K the next day) have the same rate as a 10K loan? aka: do the rates matter on the initial loan amount or the amount of loan you have left?

student loan? i am a new student of Art center college of design, and i am looking for pravite student loan. which bank will be better, and what are the inrest rate on these banks? Here is the list of banks they provide: CitiBank KeyBank USBank accessgroup CHASE campusdoor Education Finace Wachovla Thanks for your help ^__^

Private loans vs. Federal Plus Loans? I've already exhausted Stafford loan options and grants. To make up the rest of the money for school my parents and I are trying to decide between Federal Plus and private education loans. We sent in an application for a private loan with Chase and got conditionally approved for a interest rate of 8.5% which is about the same as the PLUS. It would be really helpful if we weren't forced to start making payments right away since I have a brother going to school at the same time and another brother who just graduated and my parents have a mortgage to pay as well. But is there anything I should be worrying about with the private loan?

How do you contact the dept of Education with a problem? I paid almost $15,000.00 in tuition and interest for classes I was never able to complete because the school closed. I was never given an opportunity to ask or to dispute the right of the loan provider to collect on this bill. I thought that is what the federal government insured student loans for, just in case a situation like this happened. There are forms to complete requesting a hearing on the subject but no address provided anywhere as to where to send them. I was hounded for years to pay the loan and was penalized harshly for making late payments. I know this situation is a common problem so maybe someone has actually succeeded in locating the place to send this inquiry that won't pass the buck and send me on a wild goose chase. Is there any hope dealing with the department of education on these types of complaints that in all fairness should be resolved. Certain large corporations open these schools and take the tuition only to go bankrupt and rob innocent victims.

How can I get a private student loan ? I have already tried with Sallie Mae and Chase bank and they didn't approve me. I dunno why,ecause my mom and I have good credit. We only make like 25000 a year or maybe a little more or less. My mom was my cosigner and the other person that I knew could help me get this because he earns good and has good credit doesnt want to be my cosigner. I need to borrow $21089. What companies are good for this? I really need the loan and I really wanna go to this school next month. If chase and Sallie Mae didn't accept me, should I expect the same response from other places? why can't I be my own cosigner r something? I'm not planning to rip off any company, I will be way more than happy to pay them back after I complete my education which is really important ffor me

Does anyone else think student loans should be written off? in bankruptcy just like credit cards and other debt? So shopoholics and gamblers can get off the hook but law abiding citizens who pursue higher education can't? I'm not talking about federal backed loans, I'm talking about private student loans from places like CHASE, JP Morgan etc.

Help with private student loans!!! I'm graduating this may and I don't know what do with my private loans.? Okay, so I was a complete idiot when financing my education and now have a staggering amount of student loan debt, both federal but mainly private. I will be attending graduate school full-time in the fall and will NOT be able to afford my student loan payments. I feel so overwhelmed and trapped, can anyone PLEASE help in guiding me what to do. I've found plenty of information online about consolidating federal loans but am stuck with private. The loans are from Sallie Mae and Chase. Is it possible to defer private undergraduate loans while a full-time graduate student? Can I still consolidate private loans? If so, is it tough to get without a cosigner (a problem that has burdened me with outrageous interest rates throughout my education). Can you defer a consolidated private loan while in graduate school? What should I do?! Seriously, I'm so stressed about this problem it's making me sick. Please, only helpful answers-I know I was an idiot for putting myself in this situation, and I know I need to pay these loans back....I'm just trying to figure out how. : (

Want to see the American company's that give money to La Raza? Corporate Programmatic Supporters NCLR depends on our corporate partners for a variety of programmatic support in areas such as Education, Community Development, Health, Youth Leadership Development, Civil Rights and Advocacy, Workforce Development, and Affiliate Member Services. Education Chevron Corporation Lockheed Martin Lucent Technologies Foundation Marathon Oil Corporation Rockwell Automation State Farm Insurance Companies Toyota Motor Corporation Verizon Communications, Inc. Housing and Wealth Building The Allstate Corporation Chase Home Finance Countrywide Home Loans, Inc. E*TRADE Financial Fannie Mae Freddie Mac JPMorgan Chase & Co. Mortgage Guaranty Insurance Corporation Wells Fargo & Company Washington Mutual, Inc. Health Belrex Inc. Eli Lilly and Company Metropolitan Life Novo Nordisk Ogilvy Public Relations Worldwide Pfizer Global Pharmaceuticals PepsiCo Foundation Workforce Development American Express Company Ford Motor Company The Home Depot, Inc. PepsiCo Foundation Youth Leadership Development The Allstate Corporation Exxon Mobil Corporation GEICO Marriott International, Inc. MBNA Corporation Sallie Mae Sodexho, Inc. Sprint Nextel Corporation U.S. Marine Corps Civil Rights and Advocacy The Allstate Corporation American Honda Finance Corporation Bank of America Chevron Corporation Freddie Mac The UPS Foundation WFS Financial Inc. Affiliate Member Services Ford Motor Company (NCLR Affiliate of the Year Award) Microsoft Corporation http://www.nclr.org/section/corporate_partners/programmatic_supporters/ Boycott them

possibility of judgment from debtor? I am ruined pretty badly. I couldn't get a job with my education neither the type I was looking for would give me a student loan. So I borrowed from bank and credit card and as usual - still no job. I have a family of 3. Went to severe family problem along with separation - what not! Left Canada 2 years ago and now back. No luck on job yet. No asset. No home. All R9 accounts for about 65k. What's the possibility that collection company will chase me even though I don't have job, no penny! Please help!

Do big banks like C H A S E & Bank of America give to A C O R N? Will you close your accounts? Mortgage Counseling. Chase provides funds to mortgage counseling agencies to help borrowers qualify for a mortgage loan and understand the mortgage process. In 2007, Chase provided more than $7.3 million in philanthropic grants to support financial education programs and initiatives, $2.4 million of which was for mortgage counseling. Organizations receiving funding included ACORN Housing Corporation, Raza Development Fund and NHS of NYC. http://www.businessandmedia.org/articles/2009/20090203060343.aspx But, this latest indiscretion has gone unnoticed by the media – a donation in the amount of $2 million to the ACORN (Association of Community Organizations for Reform Now) Housing Corporation of Chicago, according to a document posted on Bank of America corporate philanthropy Web site – which shows the bank had given the total amount in grant money from October 2007 through June 2009.

Questions about foreclosure in the state of Ohio.? I've owned my house for seven years. I do not have an adjustable rate mortgage, and, in fact, my house payment is not too unreasonable as it is pretty comparable to most of the area rents in this area. My problem is that I have a job that doesn't pay very much ... actually less than $10 an hour, and my income has not increased with the cost of living. I also have two teenagers and the support money I use to make my house payment will end in three years. At the time I bought the house, I was making slightly more than I am now, and, of course, I thought my income would increase with time, which it hasn't. Also, I've tried to find a better job for the past four or five years, and although I'm called for interviews, I never get the job. I've also tried to find a part-time job, but the part-time jobs I've interviewed for don't want to work around my full-time hours. Also, my daughter, the oldest, works a part-time job to pay her car insurance, but lately, her income has actually been going towards car repairs. At the present time, we're sharing my car. Also, I might add that I'm within the poverty income guidelines and would have to make another $585 a month not to qualify for such things as HEAP and insurance for my kids. I've also been placed on the waiting list for low-income housing ... I even qualify for that. Recently, a mobile home became available for rent in my area. The rent is half as much as my house payment. Although it is only a two bedroom and I have a boy and a girl, I could sleep on the couch ... I could make this work because I could actually help my kids out. Both are talking about education past high school, and I worry that if I'm unable to help them out once they're out of high school, they'll become discouraged and quit to get a mediocre job like I did when I was young. At the present time, I have difficulty in buying groceries and keeping up with my utilities. I cannot save money because I don't make enough to save. Each time I attempt to put money away, I have to help my daughter buy a part for her car or something around the house breaks. I've attempted to refinance. Chase told me I didn't have enough equity in my home and I barely made enough money to qualify. This, of course, was after they took my $500 in refinance fees. I've attempted to do a loan modification with the help of a HUD-approved counselor. Chase told me that they don't lower payments. I really don't know what to do other than walk away from the house, but I fear what will happen if I do that. At this point in time, I'm not concerned so much with my credit rating because I don't actually make enough money to buy anything anyway. I'm more concerned with garnishment of my wages because I'm barely scraping by now. Any suggestions? Has anyone else gone through this? I might also add that after my divorce about four years ago, I filed a Chapter 7. At the time, I thought I might be able to save my house, so I didn't include it in the bankruptcy. Also, I do have more in the home than it is worth. I received grants to do improvements and make repairs that did not have to be paid off as long as I stayed in the home. I just spoke with the county yesterday ... those grants, which are considered second mortgages until 10 years have pasted, now come to about $18,000. From what I understand from reading information about deed in lieus and short sales, with the "second mortgages", I'm unable to do either.

I'm a young man, and I always think about MARRIAGE.Can few married women give me some advise? Hi, So I am now 27yrs old and currently finishing up my Grad school this spring. I have always been going to school, all my life, and ever since I turned 19 I have been seriously thinking about girls, girl friends, sex, future wife etc. ( i meant real serious thoughts not boyish thoughts,but like let me go 'do it' or lets get to business thoughts) The truth is,.. nothing changed. I'm still single, virgin, going to school since I'm 2yrs old, and super awesome. I left home when I was only 16yrs old because my poor mom cant afford me, and being together would have destroyed both our lives., I came to the US for school/education. I am christian and believe and struggle in my relationship with HIM and there is always been a church in my life that I regularly go to, and still do. I am a lot lonely and always feel disadvantaged or depressed. Now, I know I am not the first young man in this world to feel sad and depressed for not having a relationship., but lately my thoughts and feelings have changed a lot. I have a lot of compassion and love in me. :) I have always been surrounded by beautiful women in my life and have great friends, I sometimes feel like I should bless a poor unadvantaged woman from a poor country with my life. atleast they don't think about parties, and girls times and chase after all worldly craziness girls i know of go crazy about. There are few girls I like who doesn't want me and then there are lots of girls who wants me but I don't think they are mature enough, know God or have compassion or heart for the poor or have show grace and I feel and to some extend know that most of them are completely oblivious about the lives of the poor and needy and live a life of complete ignorace and apathy. I'm sorry I feel this way, I try to invite them to things I do, to try and get them involved, but very few show heart or commitment and would much rather want to make out with me. What should I do? I am in a season in my life, where I am graduating an MS degree, no job, poor bank accounts, lots of emotions and feelings over the last 10 years, looking at a scary world which is economically crippled, lots of student loans.... I wish i could meet my future wife :( and tell her how I feel for her everyday and how much i wish to be with her now. where are you? OR rather what should I do?... should I go away? travel? ( i don't have much money though), go to latin America? learn Spanish? become a missionary? sail? backpack? road trip? work odd jobs this summer? (I am not going to sell myself on some harmony or websites like that? uhh! i hate even such websites exist.) P.S: I have an MS in Electrical Engineering and 10mo exp with a high tech technology giant. Im from San Diego. Sorry to put you through my craziness and thanks SO much for listening. I love you all. There is a small group in my church. its a very small church, there are lots of new people who comes and goes. Well, to be honest growing up alone with me hasn't always been easy,.. so my small group and church had to help me grow up and see things and fellowship and encourage me and help me many many ways, and sometimes was painful. so I was always the taker. and felt uneasy among girls who knew me best, since they knew every little secret since Im like 2., and there were many whom I had crush on, who didn't want me. :( i attend a Presbyterian church :) thanks everybody. and Jewels, you are obviously a homosexual. I know and believe it always has to be between a man and a woman, like all other creatures in this world. What is wrong is wrong, and you are not going to change the truthful and correct practices of this world by being angry or irritated about it. Get help.