Alternative Private Student Loans

[Jacob Creutzfeldt]

Recently to my dismay I learned that Sallie Mae discontinued their 'Tuition Answer' loan program. This has left me in quite a pickle. Presently I am a junior in my Molecular biology/ History dual major. Due to the demands of my degree program and the faltering economy full-time employment is probably not a feasible option to finance my living expenses. The Tuition Answer Loan I took out filled that purpose. I am wondering if any board members know where I can find defered student loans that are disbursed directly to students and can be used to pay for the cost of living. I do sell a small volume of merchandise on eBay which I usually use to pay the interest on the loan to avoid capitalization and would probably continue to do so with another loan. My credit is reasonably good if that makes a difference. I can also probably find a very creditworthy co-signer if need be. Any help is greatly appreciated and will be accompanied by lavish positive karma and my eternal gratitude.

 

[needtogetarmy]

Have you tried talking to the financial aid people? I wish I could help. I hate to see students that want to learn get shafted like this. I wish you the best of luck.

 

[samoth]

I'd suggest trying the forums at College Admissions, Search, and Financial Aid Help from College Confidential or the academic forum at Physics Help and Math Help - Physics Forums. There are a multitude of students, parents and professors at both, and would probably be of more help than here.

 

[75th]

I paid my way with 4 private student loans that were dispersed directly to me.

Look at Wells Fargo.

 

[Jacob Creutzfeldt]

Have you tried talking to the financial aid people? I wish I could help. I hate to see students that want to learn get shafted like this. I wish you the best of luck.

Thanks for the wish. Unfortunately I am learning that the bureaucracy in my school views themselves as a "service" and that they are doing me a "favor" by letting me attend the school. They will not assist me nor help me with any private loans that do not get directly disbursed to them.

I've had worlds of problems with this school's administration and many of their instructors are socialist leaning "liberals" who become angered with me when I hold a divergent opinion from theirs. For instance my African American History professor when I mentioned that I think that the Confederate flag is commonly displayed in the south as a symbol of regional and cultural pride, her response was that in the mainstream south, people do not display the confederate flag and that it is relegated to rednecks (her exact word) in places like the Alabama backwoods. She was visibly shaking when I stated that I think the United States Civil war was fought over state's rights and not slavery. Her response was not an attempt to invite spirited debate or challenge my assumptions, but rather she said and I paraphrase, "People who think that are fringe radical racists."

Overall I am disappointed with my college experience thusfar. I've had a few teachers that really challenge me though. One professor inspired me to add a history major to my molecular biology major.

 

[Jacob Creutzfeldt]

I'd suggest trying the forums at College Admissions, Search, and Financial Aid Help from College Confidential or the academic forum at Physics Help and Math Help - Physics Forums. There are a multitude of students, parents and professors at both, and would probably be of more help than here.

Thank you. By leading me to those links, you've been of great help.

 

[Jacob Creutzfeldt]

I paid my way with 4 private student loans that were dispersed directly to me.

Look at Wells Fargo.

Thanks. I tried to give you some green love, but the system is telling me I need to spread it elsewhere first for some reason. I just gave some to Vet and Samoth. I don't understand why I cannot give some to you.

 

[needtogetarmy]

Thanks for the wish. Unfortunately I am learning that the bureaucracy in my school views themselves as a "service" and that they are doing me a "favor" by letting me attend the school. They will not assist me nor help me with any private loans that do not get directly disbursed to them.

I've had worlds of problems with this school's administration and many of their instructors are socialist leaning "liberals" who become angered with me when I hold a divergent opinion from theirs. For instance my African American History professor when I mentioned that I think that the Confederate flag is commonly displayed in the south as a symbol of regional and cultural pride, her response was that in the mainstream south, people do not display the confederate flag and that it is relegated to rednecks (her exact word) in places like the Alabama backwoods. She was visibly shaking when I stated that I think the United States Civil war was fought over state's rights and not slavery. Her response was not an attempt to invite spirited debate or challenge my assumptions, but rather she said and I paraphrase, "People who think that are fringe radical racists."

Overall I am disappointed with my college experience thusfar. I've had a few teachers that really challenge me though. One professor inspired me to add a history major to my molecular biology major.

I understand what you are going through. I was a white minority at a historically black university when I was an undergrad. You all know my views on this forum and I never backed down form those bastards. Not only was I the only white dude I was the only conservative in a 500 mile radius. I graduated with a 4.0 GPA and never got a dime in scholarships and zero recognition while I was there. They did have a white minority scholarship (it would have paid for everything) but I never applied because it was beneath me to do that.

I did have some outstanding professors that took care of me though and I am still in contact with them today. You have to make the best of it.

 

[samoth]

I understand what you are going through. I was a white minority at a historically black university when I was an undergrad.

LOL, HOWARDPWN3D.

 

[needtogetarmy]

LOL, HOWARDPWN3D.

lol It was worse than Howard!

IMO the easiest way to get a 4.0 GPA is to go to a HBCU lol When I applied to grad school, law school and the PhD they thought I was a genius lol

Its funny because one of my mentors/professors (who was Asian) said when I go to interviews never mention that the school was a HBCU lol

 

[75th]

Thanks. I tried to give you some green love, but the system is telling me I need to spread it elsewhere first for some reason. I just gave some to Vet and Samoth. I don't understand why I cannot give some to you.

Im pretty sure anything that would improve my standing here was disabled long ago.

 

[javaguru]

Thanks for the wish. Unfortunately I am learning that the bureaucracy in my school views themselves as a "service" and that they are doing me a "favor" by letting me attend the school. They will not assist me nor help me with any private loans that do not get directly disbursed to them.

I've had worlds of problems with this school's administration and many of their instructors are socialist leaning "liberals" who become angered with me when I hold a divergent opinion from theirs. For instance my African American History professor when I mentioned that I think that the Confederate flag is commonly displayed in the south as a symbol of regional and cultural pride, her response was that in the mainstream south, people do not display the confederate flag and that it is relegated to rednecks (her exact word) in places like the Alabama backwoods. She was visibly shaking when I stated that I think the United States Civil war was fought over state's rights and not slavery. Her response was not an attempt to invite spirited debate or challenge my assumptions, but rather she said and I paraphrase, "People who think that are fringe radical racists."

Overall I am disappointed with my college experience thusfar. I've had a few teachers that really challenge me though. One professor inspired me to add a history major to my molecular biology major.

Tell her to read Lincoln's letter to Horace Greeley. Lincoln makes it quite clear his purpose it to save the union, with or without slavery. The Emancipation Proclamation was an attempt to destabilize the Confederacy and alienate them from England and France. Both had been supplying arms and supplies but neither could politically recognize a slave nation while the Union was fighting to end slavery. Without aid from foreign powers the Confederacy had no chance to win a protracted war against the Union.

The Emancipation Proclamation only freed slaves in those states that seceded and left slavery in the loyal border states.

Honestly, her attitudes and actions amount to nothing more than academic malpractice. The seeds of rebellion existed long before the 1860's and the slavery debates, google Andrew Jackson and the Nullification Crisis (it was over tariffs).

In college, my professor was of the school of thought it was fought over slavery and I took the position that slavery was just the current catalyst. He glossed over it but at least acknowledged it was a legitimate historical view.

At times the defenders of Lincoln characterize him as a pragmatic politician with the Emancipation Politician and label him an idealistic abolitionist in the Lincoln V Douglas debates.

Abraham Lincoln's Letter to Horace Greeley

Executive Mansion,
Washington, August 22, 1862.

Hon. Horace Greeley:
Dear Sir.

I have just read yours of the 19th. addressed to myself through the New-York Tribune. If there be in it any statements, or assumptions of fact, which I may know to be erroneous, I do not, now and here, controvert them. If there be in it any inferences which I may believe to be falsely drawn, I do not now and here, argue against them. If there be perceptable [sic] in it an impatient and dictatorial tone, I waive it in deference to an old friend, whose heart I have always supposed to be right.

As to the policy I "seem to be pursuing" as you say, I have not meant to leave any one in doubt.

I would save the Union. I would save it the shortest way under the Constitution. The sooner the national authority can be restored; the nearer the Union will be "the Union as it was." If there be those who would not save the Union, unless they could at the same time save slavery, I do not agree with them. If there be those who would not save the Union unless they could at the same time destroy slavery, I do not agree with them. My paramount object in this struggle is to save the Union, and is not either to save or to destroy slavery. If I could save the Union without freeing any slave I would do it, and if I could save it by freeing all the slaves I would do it; and if I could save it by freeing some and leaving others alone I would also do that. What I do about slavery, and the colored race, I do because I believe it helps to save the Union; and what I forbear, I forbear because I do not believe it would help to save the Union. I shall do less whenever I shall believe what I am doing hurts the cause, and I shall do more whenever I shall believe doing more will help the cause. I shall try to correct errors when shown to be errors; and I shall adopt new views so fast as they shall appear to be true views.

I have here stated my purpose according to my view of official duty; and I intend no modification of my oft-expressed personal wish that all men everywhere could be free.

Yours,
A. Lincoln.

 

[Jacob Creutzfeldt]

Javaguru,

I am from Massachusetts and was indoctrinated to believe in "The Cult of Lincoln". When I actually took time to learn more about the Emancipation Proclamation I learned that it was issued in two parts. The first part abolishes slavery in seceding states. In theory the secessionist states could have rejoined the union and kept their institution of slavery, hence the south didn't secede over slavery or they would have simply rejoined the union and kept the institution of slavery. The second part decisively listed the states to which the emancipation applied. Not included were Kentucky, Maryland, Delaware, West Virginia, Arkansas, and Missouri.

I'm not looking to butt heads with her, but neither will I pretend to adopt her viewpoint when it is so apparently false. Unfortunately dropping the class is no option for me as I dropped my physics class already and dropping another would put me into part time status and reduce my grants and loans. I also do have a smattering of pride in the fact that I take time to critically analyze our reading material and go through extra effort to initiate my own research on topics in all of my classes and do not feel I should be punished for that.

The second gripe I have with the class is that it defines African American history strictly as slavery and I feel that implies that she herself is a racist. Her stereotype of African Americans being that they are perpetual victims who passively subjugate to white people and were incapable of producing historically noteable contributions aside from busting their asses in a cotton field at the end of a bullwhip. I asked her if she was going to explore separatist movements such as the Liberian Project and the answer was, "no". Thusfar the only points of view she assigns for reading are blatant south haters such as Frederick Douglas and W.E.B. DuBois.

 

[inkspot]

I must admit my history stinks, which is ironic. Thanks for the recap J & J

 

[javaguru]

I must admit my history stinks, which is ironic. Thanks for the recap J & J

I laugh on the inside when I hear the media talk about Obama when they compare him to Lincoln in glowing terms, especially considering their criticisms of Bush policies. A phrase used by many presidential historians, "Lincoln had to destroy the Constitution to save it."

Lincoln suspended Habeas Corpus,arrested citizens and elected officials without cause, closed courts by force and closed newspapers that published articles that showed any dissent with policy.

 

[javaguru]

The PC mentality on campuses is astounding.