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Discussion

Anyone have/had a PERSONAL Loan??

I know that I'm going to have to get a Federal Student Loan on top of my Pell Grant and any scholarships that could be awarded to me. I hope to start my nursing program in January, I'll find out next month if I got accepted (crosses fingers). I have most of my co-reqs out of the way so that I'll just have nursing courses to take in the program. I know that the Federal Loan won't be enough for each year or semester... I think the most that I can get in a semester is like $4500 and $10K something for the year??? That's not nearly enough money, so I need to look into personal loans as well. I might look into part-time work, but I want to see what it's like first before committing to a job. My time management isn't the best, so I think a job could really distract me... but we'll see :p I want to focus as much time as possible to the nursing program, and only the nursing program if possible.

What personal loan do you have (or had), how much did you take out, what are the terms of the loan, your interest rate? Any help would be appreciated... thanks!!!! :)

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I took out out a personal loan half way through school for bills, gas, etc. I also didnt want to work too much, just focus. I got it through sallie mae, just like my fed loans. I borrowed 2,500. The interest rate is 12, but I think it depends on your credit. I had to have a co-signer. When you begin to repay your loans, if for any reason you go into default (school, unemployment, etc.) You still have to make your private loan payments. Unlike your fed loan. Hope that helped some :)

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I attended a trade school LVN program 4 years ago. The tuition was $19,995.

I borrowed $20,000 in the form of a SallieMae private career training loan, which paid for the tuition. The interest rate was 7 percent, the payments were deferred while I was attending school, and it was financed over 120 months.

Luckily, my house's value increased by over $100,000 during a 1 year period between 2004 and 2005 (the height of the California real estate bubble), so I sold the property and used the proceeds to pay the loan off and start over in another state.

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