I have always paid for my school out of pocket. I need to pay for about $3,000 in school fees so I can try and finish my BA. I did the FAFSA, but my school has me on financial aid cancellation because I haven’t made ‘significant progress’ and completed my degree in the time allotted. How do I find a good, reasonable loan so I can get to the finish line and not have much debt?
(For background on my situation refer to my other AskMeFi’s for more info. Specifically this one
I am taking two classes this semester and trying to wrap this crap up and move on with my life. Had my first class last night and while it was extremely difficult for me to overcome fear and anxiety and lack of confidence and sit in that classroom I DID IT. Now I just have to make it through the rest of the semester without everything else in life overwhelming me and preventing success like it has before. (Read: work, family, depression, trying to pay for said classes.)
So basically, I need money to pay for these classes. It will be about $3k. School is blocking my FAFSA, even though according to the FAFSA e-mail I received after completing it said I was eligible for around $12,500. School’s financial aid office won’t budge for me because I haven’t made ‘significant progress’. Which really angers me because I have always kept trying. True, I failed a couple classes because I was too hardheaded to not take fewer classes, but that is an entirely different story. I paid my bills every semester and kept going. I’ve never had a student loan before. I currently have a small car loan, but that is the extent of my experience with these things. Where should I be looking for a small loan to pay this semester? I won’t lie, the worry of paying the bills has been a huge reason I have failed classes in the past. I get halfway through the semester and things start to fall apart. I can’t let that happen again. I have some cash, but after the advice I’ve received from my other AskMeFi’s and other sources it seems like a small loan is the way to go. Help me figure out where I should be looking for this kind of loan. What sort of rate should I be looking for? Guidance please?
I really need encouragement to help me through the next six months. If I can get out of here with a degree in hand I will feel so much better about myself and my future. I am actually a very intelligent young woman. I’m resourceful, witty and tenacious. I have talent and I want to use it to give back, but I can’t do that if things remain the way they are. I want to be confident in my skills again, and that means leaping the last hurdle and finishing the race even if the crowd went home.
I humbly ask for your wisdom MetaFilter.