All right guys, I'm just gonna ask what your general experience with paying for college has
been like.

Right now I'm looking at students loans because they really seem to be the best way to pay
for college, but the idea of having thousands of dollars in debt before I'm even out is not a
fun prospect. Especially since my chosen profession doesn't make very much straight out of
college.

Nevertheless they seem like the best option.

So, who of you had student loans? How did you deal with paying them off? Would you do
anything differently with the knowledge you have now?

Any perspective on all this money business is welcome.


Christianity, if false, is of no importance, and if true, of infinite importance. The only thing it cannot be is moderately important.

—C.S. Lewis

Don't go with a variable interest rate loan if you can help it. It will seem like a great deal since the interest will be so small,but once you graduate it will double. Better to have lots of loans, than to drop out of college. You can select your own repayment plan too, usually. 10-30 years plans.

My best friend got the normal Stafford Loan from FAFSA to pay for the tuition of 40K/year at Nova. Then she got a Sallie Mae loan which is a private student loan with the same interest rate as you and its deferred. She wont pay any of it back til a year after she graduates. That loan covered her cost of living which was 11k per semester for things like the car payment, apartment, and other general living expenses.

Student loans ain't so bad. Very low interest rate and it help you build a career. If you're thinking of going to college, student loan is definitely the choice to go. Try filling as an independent so you'll get more money from the state and federal government. Make sure to file FASFA (I think that what is it called). Paying for student loan is better than paying off credit cards debts because the interest rate is very low.

I've got a student loan. I know how big it is probably going to get and know how hard I have to work over the long hot summers to be able to afford to go to university.

Of course i'd rather be at the beach, but I need the money.

And as everyone else is saying, make sure you only borrow what you need. Cause with interest, every dollar counts.

The idea of the student loan is the fact you're spending money, enabling you to be able to earn more when you come out on the other side. You only make money be spending money. Proves that theory true

Everyone moans and whines about how it used to be free, and now it isn't and it should be and so forth. But going to university has changed now. Its not just for the elite, anyone can go provided they have met the criteria. And its not that difficult to meet!


Go the Hurricanes!

The way i see it is there are thousands of people graduating in exactly the same position, and the repayment plans are normally quite good on student loans, you hardly notice the money going out.


Smile like you mean it !

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