Need $ fast to apy for all the Pre-nursing stuff! - page 2

Hi guys, Well I'm in for January 2006 and I'm thrilled. Orientation is at Purdue Calumet on Nov 17th. The lsit of things I have to buy and take care of even BEFORE school starts is HUGE! I... Read More

  1. by   Jessy_RN
    [quote=CRNASOMEDAY25]
    Quote from Catsmeow
    ~falls over~ 1200.00 for BOOKS for one semester?? OMG OMG

    I'm paying everything out of pocket and that is hellish. Dear lord oh lord I pray this is not the norm?!

    Cats[/QUOTE
    Our books are quoted at $1200 also. In orientation, they did say that included the clinical kit and uniforms though. I got a private student loan because I won't get regular financal aid until after I need some of my expenses paid for. I don't know what your credit is like, but American General will give a loan to anyone. You can pre-pay it at no penalty too.
    Yeah, ours did not include the uniform but did include RN notes, and other stuff. Will let ya know when I pick them up.
  2. by   land64shark
    Quote from Catsmeow
    ~falls over~ 1200.00 for BOOKS for one semester?? OMG OMG

    I'm paying everything out of pocket and that is hellish. Dear lord oh lord I pray this is not the norm?!

    Cats

    I just came from orientation and our books were quoted as $1000. But this is a one time deal. The books are for all 4 semesters. (Actually, they said that was about 95% of the books we'll need.)

    The estimated total cost for everything for the 4 semesters is $8700.
  3. by   sunnyjohn
    Quote from CRNASOMEDAY25
    I applied for the loan at American General.

    Everyone keep your fingers and toes crossed and pray REAL HARD!
  4. by   land64shark
    Quote from land64shark
    I just came from orientation and our books were quoted as $1000. But this is a one time deal. The books are for all 4 semesters. (Actually, they said that was about 95% of the books we'll need.)

    The estimated total cost for everything for the 4 semesters is $8700.

    Oops! I need to pay more attention. Books + skills kit are $1200 in the first semester. 2nd semester, books are $331. 3rd semester, books are $131 and 4th semester, books are $134. Hmm...that's not quite 95% of book costs up front like they said, now is it?:uhoh21:
  5. by   wannabenursetx
    Does American General base loans on whether or not you are credit worthy? My credit stinks, so I know if it's based on your credit history I wouldn't be approved. Any idea what the interest rate is?
  6. by   Lisa CCU RN
    Quote from wannabenursetx
    Does American General base loans on whether or not you are credit worthy? My credit stinks, so I know if it's based on your credit history I wouldn't be approved. Any idea what the interest rate is?
    Depending on your credit score, they will pretty much approve anyone. The only catch is sometimes they want collateral such as a paid off car title. I applied once before and they wanted that, but I said no. Then recently, because my credit score was up, they approved me with out the collateral. The interest rate is not very good, but in a pinch, it's waaaaaaaaaaay better than pawning your car title at these title loan places. Their interst rates are over 300%. You get a loan of $200 for 2 weeks at check advance places and pay $50-$75 for it. At American General, you can get a loan for like 30%. That is still pretty bad, but at least you get a year to pay it off, rather than just two weeks. For a title loan, you only have one month to pay back and you could get say $500 and you'd pay $110 in interest.
    You have to take them $610 in one month or pay $110 every month until you get $610 to give them at once. I plan on paying American General back in January after I get my financial aid refund. There is no pre-pay fee so it's better than the other options I had. Just remember, if you don't have perfect credit, you won't be able to get great rates. ( I'm working on this problem though). Hope this helps.

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