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Should I pay off my student debt or invest my money? ( Canadian)

Going back to school in September after working for ~ 2 years. I've saved up a bit and I'm wondering how to make the best use of it. [more inside]
posted by winterportage on May 20, 2014 - 10 answers

My New Strategy: Advice on a relatively small student loan?

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? [more inside]
posted by Driven on Jan 23, 2014 - 18 answers

Payday loan suggestions

I am going to get a payday loan in the amount of around $1000. (I know, with complete certainty, that I will be able to pay back the loan and interest within ten days.) Can anyone offer advice on this process, particularly online payday loans? Are there more reputable sources that I should work with? What should I watch out for? [more inside]
posted by anonymous on Jul 19, 2013 - 15 answers

Consolidate debt with Stafford loan?

I am a "mature" student, studying at a university part time while working full time. I just learned that I qualify for a Stafford loan of about $7400. I don't need the loan to pay for classes because of my work income, but it occurred to me that I could take the loan, use it to pay off credit card debt I carry at a rate of interest more than 5 points higher than the Stafford loan rate, and then pay the Stafford loan off early. Essentially, debt consolidation using this federal loan. My questions: is this kosher? Is it wise? What I might not be thinknig about.
posted by anonymous on Mar 28, 2013 - 13 answers

I loaned some money to a person that I shouldn't have...now what?

I realize that YANML but I find myself in a dilemma and I'm not sure how to proceed. [more inside]
posted by masters2010 on Jan 7, 2013 - 13 answers

Neigbors gave us a chair, do we give them the craigslist proceeds?

Help my wife and I solve this minor ethical dilemma: What to do about a chair loaned by a neighbor and no longer wanted by either household? [more inside]
posted by crabintheocean on Feb 13, 2012 - 29 answers

Running out of $$$... line of credit?

Recently moved, unemployed, running out of money. Should I get a line of credit? (in Canada) [more inside]
posted by anonymous on Jan 9, 2012 - 25 answers

Oh, so THIS is why they say not to mix money and friendship....

How should I deal with a friend who owes me money and is (apparently) avoiding contact? [more inside]
posted by anonymous on Aug 26, 2011 - 8 answers

Credit in Australia for Non-PRs

Is it possible to get any sort of loan or credit in Australia as a non-permanent resident? [more inside]
posted by divabat on Mar 12, 2011 - 3 answers

How do I get a loan for cheap/free?

How do I get a loan with no interest? I was thinking that I could buy an item on my credit card and then turn around a sell the item. As long as the credit card was 0% for 12 months then it seems to me that would be a free loan. The only question then would be 'What item could I buy that could be sold for as close to the purchase price as possible?' Also, are there any other ways I could get a no interest loan? I was thinking I could put the money into a brokerage account and earn interest off the money - then pay it back at the end of the year.
posted by locussst on Feb 16, 2011 - 17 answers

Pick One: $2400 saved over 12 months, or $2400 cash gift up front?

MoneyFilter: I have been paying back a loan and will continue paying back for several more years. A birthday gift in this context, has two options: (a) to permit me to cease making payments for one year ($200/mo) and resume payments 1 year from now and each month of this year being marked as paid (a savings of $200/month for 12 months), or (b) be given the equivalent $2400 cash up front. [more inside]
posted by Quarter Pincher on Nov 9, 2010 - 18 answers

Pay down credit cards or save money?

My parents are loaning us $10,000. Should we save it or use it to pay down credit cards? [more inside]
posted by fantoche on Oct 1, 2010 - 42 answers

Paying to learn a tough lesson

How do I go about proving an uncollectible debt? [more inside]
posted by rileyray3000 on Sep 24, 2010 - 6 answers

Somewhere between a loan shark and a bank lies the truth.

Is there anyone who loans money based on the situation, rather than on a credit score/computer without any explanation? [more inside]
posted by anonymous on Aug 24, 2010 - 12 answers

I blew $20,000 by dropping out of college mid-semester. Where do I go from here?

I blew $20,000 of my parents' money in a decision that I've admitted to them was the most unforgivable, shameful thing I've ever done. How do I make this right? [more inside]
posted by gacxllr9 on Jun 11, 2010 - 88 answers

Help me repay my debt from abroad

Help me repay my debts from abroad: My considerable student loans are in CDN, but I am earning in EUR - can/should I move my debt? [more inside]
posted by molecicco on May 12, 2010 - 8 answers

Wanted, tax day lenders

Do lenders make loans to cover property tax bills? [more inside]
posted by anonymous on Apr 23, 2010 - 9 answers

Is there any way to estimate what a car & car insurance would cost me if I moved to San Francisco?

What are ways to estimate what a car and car insurance would cost me if I moved to San Francisco? [more inside]
posted by scazza on Oct 20, 2009 - 6 answers

Where to hide the money?

How can I figure out the minimum amount to keep in my checking account? [more inside]
posted by odi.et.amo on Sep 19, 2009 - 11 answers

Payment schedule for dodgy debtor

How to determine how much I'm owed by someone who's not going to pay regularly ? (in Excel preferably). [more inside]
posted by southof40 on Jun 22, 2009 - 7 answers

Scared of going to prison due to tax payments. Need advice...

Scared of going to prison due to tax payments. Need advice... [more inside]
posted by anonymous on Jun 21, 2009 - 7 answers

Wishing I could call JG Wentworth

Loan to pay back loan until I get another loan? Bad idea? [more inside]
posted by bmalicoat on May 30, 2009 - 14 answers

SallieMae won't cut me a deal, who else will?

How can I consolidate my PRIVATE student loans, to make my financial life a little easier? [more inside]
posted by SansPoint on Jan 29, 2009 - 5 answers

Getting loan check in mom's name into my bank account.

My mother was recently approved for a Parent PLUS loan to cover my tuition for this year. The check is now on its way in mom's name to my address, and I have some questions... [more inside]
posted by anonymous on Jan 28, 2009 - 10 answers

How do I give money to a friend who is too proud to accept it?

A friend of mine is coming in from a couple hours away (each way) for the night (halloween party), and money is tight on her end. I would go pick her up myself, but have to work late into the afternoon and wouldn't have time to drive up and back twice between today and tomorrow. I want to give her the money for gas (I am in a much better position financially), since I know this is a big expense for her and she is saving me the trip, but she is very independent and does not want me reimbursing her. How can I get her to accept it without making damaging her ego or seeming like this is out of pity?
posted by pennstatephil on Oct 31, 2008 - 21 answers

Name That Loan Company

Help name my friend's finance business! [more inside]
posted by anonymous on Oct 17, 2008 - 13 answers

Wamu failure: Action items?

We have some money in a Wamu checking account, and an equity loan. Since the word is that Wamu is teetering, what should we expect to happen to the checking account money and the equity loan? [more inside]
posted by everichon on Sep 15, 2008 - 16 answers

Can I take a Stafford loan without the help of my school?

Can I apply for a Stafford loan without going through my school? [more inside]
posted by serazin on Sep 8, 2008 - 3 answers

How can I use my law degree and still like my life?

I'm getting a law degree but I hate being adversarial. Any ideas for something fun to do with this degree? [more inside]
posted by anonymous on Jul 18, 2008 - 22 answers

How much interest for a family loan?

A family member loaned me money a few years ago. I would like to pay it back with interest. How much interest should I pay it back with? [more inside]
posted by anonymous on Jul 17, 2008 - 21 answers

Help with student loan

I am looking for the best general student loan company. What are your experienes with specific student loan companies? [more inside]
posted by Black_Umbrella on Jul 3, 2008 - 3 answers

Money for the American dream...

What's the best way to loan money to a friend? [more inside]
posted by odi.et.amo on May 18, 2008 - 26 answers

Student Loans and FHA Debt to Income Ratio

Does a student loan in deferment count as debt for the purposes of figuring debt to income ratios in an FHA loan? [more inside]
posted by Dr. Zira on Feb 27, 2008 - 3 answers

How do I take on these financial burdens, step by step?

My crappy car was deemed totaled and I'm going to accept the payout and finance a new used car. I'd also like to move into an apartment soon. Step by step, how do I wrangle this plan into fruition? [more inside]
posted by cowbellemoo on Feb 15, 2008 - 11 answers

Certificate of Deposits

What is the best place to get a CD (Certificate of Deposit)? [more inside]
posted by benji on Jul 5, 2007 - 8 answers

Refinancing my home, but it's appraised too low.

Trying to Refinance my home (& consolidate some bills). 1 year ago it was appraised at $410k. In the middle of this process, my lender indicated that 2 different appraisers indicated that it's only worth $350k compare to other similar homes in my area... although they haven't come out to do the appraisal yet. I'm concerned that because this is what they believe the value to be, it will be that or close to it. In order for me to do what I need to do (with my bills), I need the value of my home to be at $410. What can/should I do? [more inside]
posted by foodybat on Jun 27, 2007 - 11 answers

How to not break legs in case of default?

How do I lend someone money? [more inside]
posted by Clementines4ever on Jan 30, 2007 - 26 answers

Want to cheapen my debt expenditures. Know of any cheap money (unsecured loans)?

Cheap Money Filter: I've got a moderate amount of credit card debt right now ($15k), at reasonable but not great rates (13-18%). I'll be making more money in the upcoming year, and the debt load is manageable, but I want to explore trading these loans with an unsecured line-of-credit type loan or some other loan. Advice? Suggestions on where to get a good rate (i.e. got any good junk mail lately)? [more inside]
posted by zpousman on Jan 10, 2007 - 15 answers

Need $3000 liquid cash

I just landed a well paying job in Seattle after having a soul sucking job, where I did not save a penny for about a year. While the new salary will be great, I am essentially broke, and I need a $3000 loan to relocate and get started (which has been determined to be my responsibility to cover by negociation). None of my relatives or friends have this kind of cash, nor do I have a credit card. So how would I go about getting $3000? Can I just take my job offer into a bank and use that as leverage for a loan? Mefites, help me back out of this corner and find the cash to live my dream.
posted by |n$eCur3 on Oct 27, 2006 - 16 answers

when it rains...

How much money should I loan a very good friend of mine in a tough situation? I feel lost as to what I should do. (extended facts in the extended) [more inside]
posted by whatitis on Sep 20, 2006 - 33 answers

How do I pay a large amount of money on my student loans?

I have a surprise chance to pay off my student loans (!), so how do I go about doing this in the way that's best for me? My "more inside" has a few details about possibilities / ideas. [more inside]
posted by anonymous on Sep 1, 2006 - 19 answers

Help my friend stay away from the Loan Tree!

I am seeking some unbiased advice on personal loan consolidation. Search engines are too spammed by commercial outfits of dubious value to be of any help. But MeFi knows everything! [more inside]
posted by blindcarboncopy on Dec 17, 2005 - 19 answers

Home loan financing question

Home Buying Question: As a low-income artist, I’ve recently taken the plunge and qualified for a zero-down, stated income loan, and have found a great place to buy. But now there’s a complication with parental involvement which I have no idea how to deal with. It’s not what you might think... [more inside]
posted by Aquaman on Jul 31, 2005 - 16 answers

Small Business Administration loan experiences?

Can you tell me about your experiences getting a loan through the Small Business Administration please? [more inside] [more inside]
posted by vito90 on May 27, 2004 - 8 answers

Student loan problems

Trying to solve a problem for a dear friend from highschool. She's been ignoring her school loans and came to me out of confidence. They were around 22k about six years ago; She doesn't know how to get herself straightened out. A second job isn't an option (based on her first) as the first job pays well (travel), but is being garnished; She needs a way to get them off her back, but not overwhelm her so much that she drowns trying to deal with them.

I'm ok with money, but I just can't figure out what to tell her.

Are there any counselors who specialize in this that I could send her to? If you're shy about this and dealt with this, please feel free to contact me directly by email.
posted by filmgeek on Dec 20, 2003 - 12 answers

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