Our government made it so I can't take out private student loans....

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Because of our crappy economy, I can no longer take out private student loans, which I have done for a few years now.... I get a little bit of money from FAFSA, but obviously not enough. I work as much as possible, but with 8 hr clinics twice a week and about 12-16 hrs. of prep each week for clinic, not to MENTION lecture twice a week and all the assignments, tests and quizes for that, I barely have time to eat, let alone work much.

I am looking for responses from people that have any kind of knowledge of common nursing scholarships, or even companies that are still lending money. I am a 3.2gpa student at an Iowa school. PLEASE HELP, I'M SOOOOO BROKE!:bluecry1:

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Have you tried Chase Student Loans? I just got a sizable one from them...yes, they have a high % rate....but if I hadn't gotten the loan I'd be in trouble now!

Good luck!

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I can't offer any real help, but I am also a nursing student in Iowa.

Just curious where you are going to school?

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Kirkwood CC in Cedar Rapids... second semester of clinic:)

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I go to Kirkwood in CR too.

I'm in my first semester.

Hello!

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Specializes in SICU/CVICU.

Why can't you get private loans? Did they actually tell you that it is due to the poor status of the economy? I know that they are a bit more strict on the credit guidelines now, but I don't know how strict.

I got private loans from Chase in my first semester, but I ended up giving them back. It was a long process.

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1) the government is not responsible for paying for your school, you are

2) our "crappy" economy is only excluding people with sketchy credit from obtaining loans. people with reasonable credit histories and a forseeable way to repay the loans have every door open to them today as they did yesterday.

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Specializes in Maternal - Child Health.

I have never been a fan of relying on student loans as the sole means or even the primary means of financing school and living expenses. It is an unreliable source of financial support, and leads to overwhelming debt upon graduation.

Perhaps it is time to take a semester off to work a couple of jobs and save for next year.

Best of luck to you.

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I have never been a fan of relying on student loans as the sole means or even the primary means of financing school and living expenses. It is an unreliable source of financial support, and leads to overwhelming debt upon graduation.

Perhaps it is time to take a semester off to work a couple of jobs and save for next year.

Best of luck to you.

I could not agree more.

Im glad you said this. Generally I get flamed for my anti-debt rants.

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I've never understood the unilateral judgment from some posters when the words "student loans" come up......especially in posts when an OP is obviously already feeling a bit desperate. Comments correcting who is to blame or sharing personal philosophy's about loans aren't helpful.....they're just, yet another, opportunity to get on a soapbox.

To the OP, I would talk to both your financial aid office (they often have lists of private lenders that they work with) and I would go down to your scholarship office and ask if they know of some scholarships you can apply for. Even if you've spoken to both of these offices in the past.....I would give them another call and let them know your current situation.

Best of luck!! Paying for school is always a challenge.

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Specializes in Maternal - Child Health.
I've never understood the unilateral judgment from some posters when the words "student loans" come up......especially in posts when an OP is obviously already feeling a bit desperate. Comments correcting who is to blame or sharing personal philosophy's about loans aren't helpful.....they're just, yet another, opportunity to get on a soapbox.

I'm not sure what you consider to be "unilateral judgement". The OP indicated that s/he is unable to secure enough student loans to meet expenses. Suggesting delaying school for a semester is not judgemental, it is simply a practical means of paying expenses without incurring crushing debt.

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I'm not sure what you consider to be "unilateral judgement". The OP indicated that s/he is unable to secure enough student loans to meet expenses. Suggesting delaying school for a semester is not judgemental, it is simply a practical means of paying expenses without incurring crushing debt.

I don't know about everyone else, but I would probably have to work my butt off (50+ hr every week) for 3 years to be able to afford 1 semester. And that's if tuition, gas and living expenses don't go up I don't find my loans to be stupid investments. Great if you have people to help you, don't make minimum wage and don't have 80% of your paycheck going to daycare. When I graduate, if I work at it, I know I can have my loans paid off in a year.....that really doesn't seem dumb to me.

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