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Hi! I just received a Federal Unsubsidized loan for College. I have been trying to improve my credit score lately. My credit is not horrible, but I don’t have any credit-which can be just as bad. I am going to be getting a secure credit card soon, but I was wondering if the payments on my school loan will help as well. If so, about how quickly does it show positively on my report? Any advice is appreciated! I have been paying for my cell phone on time or early for 2 years now, but was told that really doesn’t help.
Thank you Sheila, but I already got the loan through FAFSA. I’m just wondering once I start making payments, how quickly does it positively effect my credit score.

i have half-interest in a house, where can i get a loan?

I am planning to take debt consolidation loan but want to know some information. How can I find the secured debt consolidation loan?

I left college at age 23 due to issues with severe clinical depression. It took several years to turn things around; thankfully, I’m now as healthy as I’ve ever been. Unfortunately, among many troubles during that time, I was not able to keep up with my student loans and they defaulted.

Most of my loans were federal Direct Loans, but one was issued through my university, a Perkins loan. When I did not pay that loan, they came after me in court; a judgment was filed and they garnished wages for a while, and have taken my state tax returns the last 3 years.

Recently I was informed by Direct Loans that I qualify for a "second chance" program that was created due to the economic crisis. I can consolidate my loans through the Dept of Education, they will drop all collection fees (about 00 in fees!), and the loans will enter a 3-year forbearance during which I can generally get my act together, and take out new loans to finish school.

The issue is, because there is a judgment on the loan from my university, it cannot be included in this "second chance" consolidation. I’m told the university COULD choose to lift this judgment and let me consolidate the loan – and apparently this happens fairly often – but they do not seem willing to do this for me. It’s a big problem because as long as that loan is considered outstanding, I cannot even get a transcript – not even an unofficial one for my own purposes – which makes returning to school impossible, essentially.

I heard there is a procedure where you can request a hearing to have a judgment lifted. Can anyone tell me about this procedure? I stress that I am NOT trying to "get out of" paying this loan; it will be paid, I just want to consolidate it with my other loans, which will allow me to get my transcript, take out additional loans (a small amount really) so I can finish my degree. Why any judge or university would want to deny me this opportunity is beyond me.

i have half-interest in a house, where can i get a loan?

And when would I have to start paying it off. The form says *36* months, I don’t know if that means 36 months to pay it, or I have 36 months to pay it

And when would I have to start paying it off. The form says *36* months, I don’t know if that means 36 months to pay it, or I have 36 months to pay it

I left college at age 23 due to issues with severe clinical depression. It took several years to turn things around; thankfully, I’m now as healthy as I’ve ever been. Unfortunately, among many troubles during that time, I was not able to keep up with my student loans and they defaulted.

Most of my loans were federal Direct Loans, but one was issued through my university, a Perkins loan. When I did not pay that loan, they came after me in court; a judgment was filed and they garnished wages for a while, and have taken my state tax returns the last 3 years.

Recently I was informed by Direct Loans that I qualify for a "second chance" program that was created due to the economic crisis. I can consolidate my loans through the Dept of Education, they will drop all collection fees (about 00 in fees!), and the loans will enter a 3-year forbearance during which I can generally get my act together, and take out new loans to finish school.

The issue is, because there is a judgment on the loan from my university, it cannot be included in this "second chance" consolidation. I’m told the university COULD choose to lift this judgment and let me consolidate the loan – and apparently this happens fairly often – but they do not seem willing to do this for me. It’s a big problem because as long as that loan is considered outstanding, I cannot even get a transcript – not even an unofficial one for my own purposes – which makes returning to school impossible, essentially.

I heard there is a procedure where you can request a hearing to have a judgment lifted. Can anyone tell me about this procedure? I stress that I am NOT trying to "get out of" paying this loan; it will be paid, I just want to consolidate it with my other loans, which will allow me to get my transcript, take out additional loans (a small amount really) so I can finish my degree. Why any judge or university would want to deny me this opportunity is beyond me.

And when would I have to start paying it off. The form says *36* months, I don’t know if that means 36 months to pay it, or I have 36 months to pay it

The seller’s CPA found an excess paid on the prop taxes from when he "owned" the home (time during purchase to selling), since it was a sheriff sale he advised he cannot recoup that money. Basically it is sitting in an account. I have talked to the actual auditor office in person regarding this and they have acknowledged the excess paid. I thought an escrow analysis would catch this access and then adjust our mortgage payment. Easier said than done – the co I have my mortgage thru has sold it 2x now (I have owned my home a little over 2 mos) and they advise they cannot do anything, they do not deal with excess prop taxes. The auditor’s office advises me the loan co handles this. I do not know how to get this solved, I do not want to receive a bill for property taxes that need paid as I have a feeling I am going to. Can anyone offer some advice? And if I do have an escrow account and I have enough money to cover my property taxes, can the county come back on me if the prev owner didn’t pay theirs? The actual owner – no the seller…???