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Advice needed: Best student loan?
#3036124
02/08/20 04:32 PM
02/08/20 04:32 PM
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Joined: Oct 2018
Posts: 260
Ft Payne, Alabama
Jim Gray
OP
4 point
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OP
4 point
Joined: Oct 2018
Posts: 260
Ft Payne, Alabama
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Off topic but figured I'd ask. My 18 year old son will be starting college soon and we're checking out the different types of student loans. I know next to nothing about these. He has no scholorships or anything like that. I've checked out a 11.375% Sallie Mae loan but wondering if there's another plan with lower APR? Or is 11-12% about normal? Thank you in advance. - Jim
Father, son,husband, old soldier, christian and 100% American.
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Re: Advice needed: Best student loan?
[Re: Jim Gray]
#3036147
02/08/20 04:58 PM
02/08/20 04:58 PM
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Joined: Jun 2015
Posts: 14,063
Some Marriott/Auburn
AU7MM08
Booner
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Booner
Joined: Jun 2015
Posts: 14,063
Some Marriott/Auburn
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Holy hell. My student loans were 3.X-4.X%
I would suggest he do two years at a community college and then transfer to a 4year.
Student loan debt is financially strangling a lot of young adults.
Last edited by AU7MM08; 02/08/20 05:00 PM.
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Re: Advice needed: Best student loan?
[Re: jrs89]
#3036164
02/08/20 05:12 PM
02/08/20 05:12 PM
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Joined: Sep 2001
Posts: 940
AL
jhardy
6 point
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6 point
Joined: Sep 2001
Posts: 940
AL
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What’s he wanting to major in? this is key.
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Re: Advice needed: Best student loan?
[Re: jhardy]
#3036169
02/08/20 05:27 PM
02/08/20 05:27 PM
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Joined: Mar 2018
Posts: 16,861
Banana Republic
jb20
Old Mossy Horns
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Old Mossy Horns
Joined: Mar 2018
Posts: 16,861
Banana Republic
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What’s he wanting to major in? this is key. Yup if i had it to do over I'd took a specific trade...business degrees n such r a dime a dozen...anything short of doctor lawyer engineer I wouldn't even go if it was me...hell i wish I hadn't gone now but I was fortunate to not have to pay for it so I went anyway
They who can give up essential liberty to obtain a little temporary safety, deserve neither liberty nor safety.
Ben Franklin
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Re: Advice needed: Best student loan?
[Re: jrs89]
#3036244
02/08/20 07:01 PM
02/08/20 07:01 PM
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Joined: Dec 2013
Posts: 22,738
Lickskillet, AL
Irishguy
a.k.a. Dingle Johnson
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a.k.a. Dingle Johnson
Joined: Dec 2013
Posts: 22,738
Lickskillet, AL
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What’s he wanting to major in? This^^^ My youngest didn't go to college (Even though he had a partial scholarship.) and instead self studied and got a Network+ certification and then got a CCNA (Cisco Certified Network Associate) and he just accepted a job for $63k a year. He's just 2 months into his 22nd birthday. Wrap your head around that.
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Re: Advice needed: Best student loan?
[Re: Jim Gray]
#3036273
02/08/20 07:50 PM
02/08/20 07:50 PM
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Joined: Oct 2000
Posts: 7,335
Lee County
RCHRR
14 point
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14 point
Joined: Oct 2000
Posts: 7,335
Lee County
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US Armed forces or 2 yr college. Way too many adults getting suckered in by their kids to go to their dream college just to flunk out or run up massive debt that most will never re-coop. 2yr nursing degree = $60-$100,00/yr
Last edited by RCHRR; 02/08/20 07:51 PM.
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Re: Advice needed: Best student loan?
[Re: Jim Gray]
#3036286
02/08/20 08:06 PM
02/08/20 08:06 PM
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Joined: Sep 2019
Posts: 2,005
Mississippi/Alabama state line
Rutabaga
8 point
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8 point
Joined: Sep 2019
Posts: 2,005
Mississippi/Alabama state line
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USAF, odds of an enlisted seeing combat slim. However, I think the shortest enlistment is four years compared to two year enlistments for the other big three. Have him check with the coast guard, that might be a fun ride and get a few benefits to boot. Student loans suck , especially to the ones on the hook.
I like Jiffy cornbread.
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Re: Advice needed: Best student loan?
[Re: AU7MM08]
#3036323
02/08/20 08:50 PM
02/08/20 08:50 PM
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Joined: Nov 2011
Posts: 4,559
limestone al
scrape
10 point
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10 point
Joined: Nov 2011
Posts: 4,559
limestone al
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Holy hell. My student loans were 3.X-4.X%
I would suggest he do two years at a community college and then transfer to a 4year.
Student loan debt is financially strangling a lot of young adults. my student loans in 1990 were %11
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