So I'm more than likely going to be transferring back to the UMD for the Spring semester. I originally had to leave due to financial issues. Due to my lack of employment history and short credit history, loans were not looking very good, so I decided to save a large chunk of money I didn't have and go to a CC for at least a semester.
According to their transfer center, my CC credits should transfer over to UMD, satisfying almost all of my core requirements except for Advanced Studies (300-400 level courses I can't take at the college). Also, I cannot take my major courses outside of the university. So I'm pretty much looking at *almost* wasting a semester at CC if I don't go back during the spring.
My biggest issue is still financial. With my parents in a much better financial situation than they were several months ago, they will be able to co-sign on any loan I may take out, which helps eliminate some of the problem. However, I still only have about 8 months of full-time employment history. I only have about $600 outstanding debt on credit (mostly due to books for the current CC semester) that I should have paid off by the end of the fall semester.
I was wondering what the best avenue for loans would be. I need to come up with about $14,000 for the next semester. If completely necessary, several thousand of that could be put on high interest credit cards, but I'd rather not do that. I might be able to use BT checks to get a 0% rate on it for 6 months, but that's not something I can definitely count on. I know Stafford Loans will cover about $1,250 of that, and scholarships I had when I left (if I get them back) might cover $1,000 but I don't want to count on that.
So basically, I need to go about getting student loans for $12,750. Any advice would be greatly appreciated.
EDIT: I left out that Maryland is about 240miles away from me. I'm a resident of NY. So this is not like I can just pick up and go to either or.
Also, I need to be a full-time student due to insurance issues.
According to their transfer center, my CC credits should transfer over to UMD, satisfying almost all of my core requirements except for Advanced Studies (300-400 level courses I can't take at the college). Also, I cannot take my major courses outside of the university. So I'm pretty much looking at *almost* wasting a semester at CC if I don't go back during the spring.
My biggest issue is still financial. With my parents in a much better financial situation than they were several months ago, they will be able to co-sign on any loan I may take out, which helps eliminate some of the problem. However, I still only have about 8 months of full-time employment history. I only have about $600 outstanding debt on credit (mostly due to books for the current CC semester) that I should have paid off by the end of the fall semester.
I was wondering what the best avenue for loans would be. I need to come up with about $14,000 for the next semester. If completely necessary, several thousand of that could be put on high interest credit cards, but I'd rather not do that. I might be able to use BT checks to get a 0% rate on it for 6 months, but that's not something I can definitely count on. I know Stafford Loans will cover about $1,250 of that, and scholarships I had when I left (if I get them back) might cover $1,000 but I don't want to count on that.
So basically, I need to go about getting student loans for $12,750. Any advice would be greatly appreciated.
EDIT: I left out that Maryland is about 240miles away from me. I'm a resident of NY. So this is not like I can just pick up and go to either or.
Also, I need to be a full-time student due to insurance issues.
