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1.85% on 45k student loan - just pay the minimum?

So, I'm selling my house and will have some extra cash, finally. I have a consolidated student loan that after years of steady payments, has come down to a very low 1.85% interest rate. Given the current economic conditions, and an intense desire to have my money work hard for me after years of being in the doldrums, should I up the payment and try to save a tiny bit on interest? Or would it be better to stuff my IRA, or put money into a no-load fund or index? [more inside]
posted by ihavequestions on Apr 11, 2014 - 13 answers

 

How to study in Canada with an arrest on your record?

My partner and I are moving to Canada to get our PhDs and so we have to apply for study permits (we're US citizens). The application asks if you've been arrested, and my partner has been once. How do we explain the arrest on the application, how do we ensure his study permit isn't denied because of this? Is there anything special we should include? [more inside]
posted by jardinier on Mar 30, 2014 - 8 answers

Demorialized about teaching the the University level

I feel like I am teaching to the lowest common denominator... What to do? [more inside]
posted by anonymous on Feb 27, 2014 - 26 answers

Getting It Gone. Paying Off Student Loan?

I have somewhere around $60,000.00 of student loan debt. Its all one loan consolidated with the US government but managed by a private company called Ed Financial. I would like to try negotiating a pay off for less than what is due. Details and further questions inside. [more inside]
posted by anonymous on Feb 25, 2014 - 13 answers

expressing myself in a second language

I am a university student who takes french as a minor alongside law. My law essays are well received, and even when I miss the mark on the question my professors say I have expressed myself and written a good essay. In french, the opposite is true. I'm struggling with basic structure and linking of my ideas in this second language. Any help or advice? [more inside]
posted by Braeburn on Feb 24, 2014 - 14 answers

What's it like being gay in high school these days?

Adult gay man here. I wasn't out (publicly) in high school, and nobody else was either. In fact, I remember people still talking about "that one gay guy" who had graduated something like five years before me. I drove to colleges to meet people. What's it like these days? Is it generally no big deal? Is it common to take same-sex dates to events? Does anybody care?
posted by LastOfHisKind on Feb 22, 2014 - 14 answers

Student loan income % payoff

(USA) I heard something about student loan payoffs based on a % of your income,and after 12 (?) years anything left is forgiven. Is this real and how would one get this? [more inside]
posted by Jacen on Feb 15, 2014 - 5 answers

Graduate student moving on, what to do next?

Graduate student "Mastering out", trying to begin next steps [more inside]
posted by jroger2908 on Feb 13, 2014 - 4 answers

What is it like to work for an international exchange student company?

Anyone have experience working as a coordinator/host family recruiter for a international exchange student company like this one, International Experience? [more inside]
posted by dahliachewswell on Dec 6, 2013 - 3 answers

I bit off more than I can chew. How do I deal with a potential F?

I've been overwhelmed with personal issues and professional involvement this semester, and I completely dropped the ball in one of my classes. The term project is due in a few days, and I think I might be unable to complete it, which would mean failing. I am a good student. This has never happened to me before. How do I address this situation? Details inside. [more inside]
posted by rensar on Nov 30, 2013 - 20 answers

need help finding a school for a 15 year old Chinese girl

my associate in China wants his daughter to study in the US, learn better English, etc. She's only 15, speaks just okay English (not great).... He wants her to study here at a high school.... but i think it will have to be a private high school... and she will have to live at the school & be supervised... Can anyone help me determine what is involved ? Does she get a foreign student temporary Visa (or something like that) ? Also, he (& I) know nothing about this process.... so i think in terms of location, anything will do.... I need to provide him with choices, locations, costs, what accommodations they can offer, etc. If you need more info., please feel free to ask... one problem about my (& his) position is because we are 'ignorant' about this whole matter, we're not even positive about what the right questions are....
posted by foodybat on Nov 5, 2013 - 20 answers

Is Office 365 university for mac able to be bought by teachers?

Hi, I am a high school teacher in the UK (11-18). Can I buy office 365 for mac at (£54) and be eligible to install it? It is unclear about the installation process. I have my school email, bank slips etc. but it is not a .ac address so do I need to get the home and student addition instead? Don't want to waste money either way! Thanks
posted by starrjenny on Oct 26, 2013 - 2 answers

Graduating Mechanical Engineer career advice needed!

My son graduates with a BS in Mechanical Engineering in May and is asking for advice on the most efficient method of finding a full-time engineering job. He wants to work for an employer where good product design is valued, and where new engineers are supported while they learn the ropes. He thinks grad school in Industrial Design is in his future, but he'd like to gain work experience and emerge from the cocoon of full-time college. He's not picky about location and would relocate nearly anywhere for the right opportunity. I've heard that engineering is one of those lucky-ticket grads, but the trick is finding a job you'll actually like! He's got a solidly good GPA and good recommendations - but he's in a small ME program at a highly rated school specializing in a different engineering specialty, and most of the employers are seeking graduates of this other engineering discipline. [more inside]
posted by citygirl on Oct 8, 2013 - 12 answers

How to find secure, student-priced housing in Strasbourg on short notice

I'm an English teaching assistant who will soon leave for France with no housing pre-arranged for me and no help from the schools employing me or from any other government organizations, despite numerous polite requests for assistance. How can I find low-cost and secure housing in Strasbourg as soon as possible? Are there reputable agencies to help individuals in my situation? [more inside]
posted by datarose on Aug 30, 2013 - 6 answers

How can I make the most of my graduate student carrell?

I'm a second-year masters student in a professional degree program (MPH). I have been assigned to a carrell (img) and would like to make the most of it. It feels kind of gross so I'd like to give it a good cleaning, but after that, how can I make it a great study/work spot away from home? [more inside]
posted by pants on Aug 6, 2013 - 17 answers

How to stop a collection agency from calling on a loan it doesn't own?

My girlfriend is continually being called by a collection agency, NCO Financial, on a student loan that we don't think they actually have the rights to collect on. How can we get them to stop attempting to do so? [more inside]
posted by Carillon on Jul 26, 2013 - 12 answers

How much is too much Grad student loan debt? Boston vs UIC Public Health

So I have a question. I am a MPH student and I have found my ideal school. It has awesome faculty who seem really passionate about their work and are focused on helping students succeed. The career services department is also very strong. I want to attend this school because I feel like the professors care, and that they will help me get a really great job after graduation and that career services will also help me leverage my new skill set into a good paying job. I cannot express how great everyone at the school has been to me thus far. I have felt not only welcomed, but that they really want me to attend the school and program. The problem is that this is a private school and VERY expensive. [more inside]
posted by TRUELOTUS on Jul 22, 2013 - 14 answers

Notify potential employer about (potential) unavailability?

I have an interview this week for a casual job in a field relevant to my career. I told them I would be available on weekends, then full-time during the summer break. This was before I managed to submit a grant application for a project that would also be over summer break. I have since received an email that my project application was unsuccessful, but that the university committee would try to get me funding for it anyway. (This has worked in previous years, but there's no guarantee it'll happen this year.) Do I tell my interviewers about the potential clash? [more inside]
posted by cucumber patch on Jul 22, 2013 - 6 answers

Cheap way to stay in Tokyo for a few months? (internship)

I just got news that I got an internship at an architectural office (altough I just graduated as a a graphic designer) in Tokyo, which is crazy exciting. However, they can't offer any compensation (small studio) so unless I find another job next to this, I need some really cheap solutions. I just sent an email to the studio, asking them for assistance, but figured meta could help. My plan is to stay for 2-3 months. I saved up some money from side jobs, and don't mind spending it on this experience, but the less it makes a dent the better. My only idea so far was to work as some kind of au pair (I speak English, German, Dutch and Croatian fluently, I'm good with kids, but I am a guy, which I guess is not too popular a gender for babysitting), in exchange for a room. Any ideas? Also, some place where I could look for a small job on the side (preferably something where I could use my design skills, but don't mind a day job)? Also, how much can I expect to spend monthly if I'm, technically, still on a student budget? Thank a lot!
posted by ahtlast93 on Jul 11, 2013 - 8 answers

How to be a good observer in a medical/research setting?

I've recently started doing observations in primarily medical but also research settings (in Audiology). I'm new at this and I'm looking for tips and advice on how to be a gracious, respectful observer while getting the most out of it. [more inside]
posted by Lutoslawski on Jul 9, 2013 - 4 answers

What do I do now?

I arranged to apply for a summer research grant with a professor at my school. It's now one week before the application deadline and I haven't been able to reach him at all. It's almost certainly too late to write and review an application now, much less find a new supervisor. So is that it? Do I just drop the whole thing? [more inside]
posted by cucumber patch on Jul 2, 2013 - 21 answers

Exchange Student to Scotland

My daughter is interested in studying abroad in Edinburgh for the equivalent of her 10th grade year (fourth year in Scotland). She has an open invitation to live with family friends in Edinburgh. However, there is zero information on how we can do this without help from an official exchange student program. The internets is no help. What are the steps we need to go through to make this happen? [more inside]
posted by lostinsupermarket on Jun 11, 2013 - 3 answers

I need some student loan advice.

How best to apply for income based repayment for student loans? [more inside]
posted by fozzie_bear on Jun 5, 2013 - 6 answers

Post grad student resources - what do y'all need?

Provided those needs are cheap, and can be provided on a website run by your Faculty. [more inside]
posted by b33j on Jun 2, 2013 - 8 answers

Navigating the world of credit

Just found out my credit score sucks, now what do I do? [more inside]
posted by bumpjump on Apr 12, 2013 - 19 answers

Cute dessert idea for med school graduation

The majority of my friends are in medical school and are graduating this year. I'm a baker and wanted to give them all small gifts that are cute/tasty/medical or graduation-related. The only thing I could think of is decorated cookies (I do shortbread or brownie cookies) but any suggestions on shapes? Nothing too complicated, please! [more inside]
posted by picarosado on Mar 29, 2013 - 12 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

Let me Lycos that for you.

Educational Internet scavenger hunt game from the late 1990s, with new questions and websites to explore each round. What early multiplayer web-based treasure hunt game thing was I playing? [more inside]
posted by deludingmyself on Mar 27, 2013 - 3 answers

Help me make my grad student status good to the last drop.

Graduating with an MS in May, an independent historical research project on my brain, and time. What should I do NOW while I'm still a student? [more inside]
posted by deludingmyself on Mar 20, 2013 - 2 answers

Clinginess mode: Activated

The age-old "crush on teacher" dilemma: I'm getting too attached to my TA and it needs to stop. How can I dial it back while maintaining a friendly, professional relationship? [more inside]
posted by cucumber patch on Feb 27, 2013 - 19 answers

Graduation gift for close friend/older student?

One of my best friends is graduating soon from a MSN program. He is already well established in his career, but he took an opportunity to continue his education. He has decided to walk at the ceremony. The ceremony is out of town, and requires flying, not within driving distance. Because we love him and want to show our support, me and my family were planning on going to the ceremony, but the cost of the trip and the time off work is not really doable. Even if I went by myself, it is pretty expensive, so travel has been pretty much ruled out. We would like to get him a gift that would be meaningful and personal, since we can't be there to cheer him on. We thought about a small party, but that seems a little cheesy and routine. We would really like to do something special. Any ideas?
posted by flesti on Jan 11, 2013 - 4 answers

Bad semester, discouraging. How to bounce back?

So after reaching the unpleasant realization that even if I get a 4.0 this semester, my GPA won't be as high as it was before my horrible Semester Of 2012. I am a Junior and planning to apply to med school after a gap year, so now is REALLY not the time to hit a downward trend. I had a string of grades lower than I usually perform to, and I am SO discouraged right now. I know it's my fault and I take full responsibility... [more inside]
posted by grifninetoo on Jan 5, 2013 - 35 answers

PhD students: Where, when and how do you study?

PhD students: Where, when and how do you study? [more inside]
posted by FuckingAwesome on Jan 3, 2013 - 16 answers

It's cold outside - and inside too!

UKTenantFilter: My heating broke on friday at 2pm. The landlord turned up at 4 but didn't fix it then because he 'wanted daylight to work on it'. Today (saturday) he said it couldn't be fixed because it needed a new fuse and 'nowhere that was open had one' - so we have to wait until Monday. [more inside]
posted by fearnothing on Dec 1, 2012 - 4 answers

Germany Travel for Dummies

Getting around and staying connected in Bremen, Germany: your tips, tricks, and general advice for a semester abroad. [more inside]
posted by shortskirtlongjacket on Nov 25, 2012 - 7 answers

Take a loan from my 401(k) to pay off my student loans?

Take a loan from my 401(k) to pay off my student loans? [more inside]
posted by bananafish on Oct 22, 2012 - 15 answers

$130 to audition?

Is NAfME, the National Association of Music Education, legit or worth it? [more inside]
posted by Northwest on Oct 5, 2012 - 6 answers

The amazing world of science let me show it to you

I'd like science-, scientist-, or engineering-related book recommendations for a 9th grade student reading at a 6th-7th grade level. [more inside]
posted by Salvor Hardin on Sep 27, 2012 - 9 answers

Help us wrap our college-educated minds around our student loans.

Please school me on student loan debt consolidation. [more inside]
posted by furnace.heart on Sep 19, 2012 - 3 answers

Is there a way to not barf when dealing with CITIBANK

A week ago I got mail stating that Citi had sold half of my student loans to Discover. I went to make my loan payments the other day to find that my minimum amount had more than doubled. [more inside]
posted by misformiche on Sep 18, 2012 - 6 answers

Teachers - is your school technology as locked down as ours?

Teachers - is your school technology as locked down as ours? [more inside]
posted by CaptainCaseous on Sep 15, 2012 - 11 answers

Is anyone else frightened at the apparent ineptitude, lack of transparency and otherwise confusing Direct Loan repayment system in the US?

My loans have been transferred and split at least twice, usually without notifying me. There used to be a fairly easy to navigate website, but now that they are shared between myedaccount and edfinancial, or not. They are unable to give me clear answers. And now it's impossible to even find my full payment history online. I'm not sure if I'm looking for advice or to be held. Is anyone else experiencing this?
posted by SpicyMustard on Sep 13, 2012 - 6 answers

From which U.S. companies can an international student on an F-1 visa in the U.S. buy a legit health insurance? I

From which U.S. companies can an international student on an F-1 visa in the U.S. buy a legit health insurance? I can't use my school's because I will be reducing my course load from full-time to part-time :/
posted by MiuMiu on Sep 10, 2012 - 4 answers

Substitute Teaching/Tutoring in Cleveland?

My mom is a retired elementary school teacher (in Cleveland, Ohio). She is hurting for cash a little more than she expected she would, and would like to teach again on a substitute/tutoring basis. How does she go about doing so in a manner that she can earn a decent salary? [more inside]
posted by Kamelot123 on Sep 8, 2012 - 15 answers

They gave me a short-stay visa... but I need a carte de séjour

The French consulate in Toronto gave me a three-month visa, but I was planning on staying for 9 months to a year. I don't know why they gave me a three-month visa when I clearly stated I was planning on leaving in June, but someone just told me I can't apply for a carte de séjour with a three-month visa. HELP! [more inside]
posted by kansakwens on Sep 7, 2012 - 6 answers

Law clerk at small firm, partner lost his shit. Stay or go?

Lawyer filter. I'm a full time law clerk and part-time law student and need serious, objective advice regarding my boss and whether I should continue at the firm. [more inside]
posted by chloe.gelsomino on Aug 31, 2012 - 22 answers

Tutoring student with likely neuro problem isn't getting help. Course of action?

I have been tutoring a teenage student for several months and have observed some unusual things, some of them quite worrying. His parents asked me to help him get his online classwork done (he's in a full-time online high school). He had done next to no work on his own, but it seemed he was capable enough, especially with his math assignments, although he needed a lot of prompting and hand-holding for written work. However, he seemed to have trouble walking (odd gait, sometimes crashes into walls) and couldn't type or write very well (holds a pen very awkwardly, very poor handwriting, types with one finger and literally can't strike two keys at the same time). More worryingly, he can't seem to concentrate and often just stares off into space with his eyelids drooping. This problem seems to be getting worse, and on a recent day he told me he needed to "keep [his] brain absolutely empty to get rid of [his] tiredness." I get the impression his vision may be deteriorating too; he seems to have trouble reading text on his computer screen now, which I had not noticed until recently. [more inside]
posted by molybdenumblue on Aug 16, 2012 - 30 answers

finding good student violins

My daughter has been taking violin lessons for about 5 years now. Her current violin was a beginner/student violin we bought from a music rental company in the northeast. Her instructor has recommended that we need to get a better violin for her, as she is progressing and is reaching the limits of this violin. Living in Maine, there aren't that many local outlets for reasonably priced/good quality student violins, so there are few options other than the internet. Please help me narrow down my choices. [more inside]
posted by rudy26 on Aug 15, 2012 - 16 answers

Just Say Yes or No!

What's the best way to ask people to do what they say they will do and to answer emails? [more inside]
posted by Fairchild on Aug 14, 2012 - 37 answers

thriller novel where student cheats on medical exam by answering question incorrectly

Looking for a thriller mass-market paperback novel that I read in the late 1990s that was about brilliant students at a medical school - murder, conspiracy, etc. [more inside]
posted by cmp4Meta on Jul 28, 2012 - 2 answers

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