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Advice needed: Best student loan? #3036124
02/08/20 04:32 PM
02/08/20 04:32 PM
Joined: Oct 2018
Posts: 260
Ft Payne, Alabama
J
Jim Gray Offline OP
4 point
Jim Gray  Offline OP
4 point
J
Joined: Oct 2018
Posts: 260
Ft Payne, Alabama
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.
Re: Advice needed: Best student loan? [Re: Jim Gray] #3036144
02/08/20 04:55 PM
02/08/20 04:55 PM
Joined: Jun 2010
Posts: 8,900
Tallassee
G
G/H Offline
14 point
G/H  Offline
14 point
G
Joined: Jun 2010
Posts: 8,900
Tallassee
We did the parent plus loan. As long as he is full time you don't have to make a payment till 6 months after he graduates. But it's good to pay interest as you go

Re: Advice needed: Best student loan? [Re: Jim Gray] #3036147
02/08/20 04:58 PM
02/08/20 04:58 PM
Joined: Jun 2015
Posts: 13,972
Some Marriott/Auburn
A
AU7MM08 Online content
Booner
AU7MM08  Online Content
Booner
A
Joined: Jun 2015
Posts: 13,972
Some Marriott/Auburn
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.
Re: Advice needed: Best student loan? [Re: Jim Gray] #3036154
02/08/20 05:04 PM
02/08/20 05:04 PM
Joined: Feb 2015
Posts: 2,176
Eastbound and Down
dead_eye Offline
8 point
dead_eye  Offline
8 point
Joined: Feb 2015
Posts: 2,176
Eastbound and Down
If he isn't serious about it dont so it.

Re: Advice needed: Best student loan? [Re: Jim Gray] #3036159
02/08/20 05:07 PM
02/08/20 05:07 PM
Joined: Aug 2002
Posts: 22,634
Morgan Co.
Dixiepatriot Online content
Freak of Nature
Dixiepatriot  Online Content
Freak of Nature
Joined: Aug 2002
Posts: 22,634
Morgan Co.
US armed forces


http://familyfoundationfund.org
Proud descendant of confederate soldiers.
Auburn elitist
Re: Advice needed: Best student loan? [Re: Jim Gray] #3036161
02/08/20 05:08 PM
02/08/20 05:08 PM
Joined: May 2015
Posts: 4,403
Calhoun County
jrs89 Offline
10 point
jrs89  Offline
10 point
Joined: May 2015
Posts: 4,403
Calhoun County
What’s he wanting to major in?

Re: Advice needed: Best student loan? [Re: Dixiepatriot] #3036163
02/08/20 05:11 PM
02/08/20 05:11 PM
Joined: Dec 2014
Posts: 1,493
Eclectic
DoeNut Offline
8 point
DoeNut  Offline
8 point
Joined: Dec 2014
Posts: 1,493
Eclectic
Originally Posted by Dixiepatriot
US armed forces

Yup, paid for both my BS and MS degrees as well as helping me figure out exactly what I wanted to do.

Re: Advice needed: Best student loan? [Re: jrs89] #3036164
02/08/20 05:12 PM
02/08/20 05:12 PM
Joined: Sep 2001
Posts: 934
AL
J
jhardy Online content
6 point
jhardy  Online Content
6 point
J
Joined: Sep 2001
Posts: 934
AL
Originally Posted by jrs89
What’s he wanting to major in?
this is key.

Re: Advice needed: Best student loan? [Re: jhardy] #3036169
02/08/20 05:27 PM
02/08/20 05:27 PM
Joined: Mar 2018
Posts: 16,805
Banana Republic
jb20 Offline
Old Mossy Horns
jb20  Offline
Old Mossy Horns
Joined: Mar 2018
Posts: 16,805
Banana Republic
Originally Posted by jhardy
Originally Posted by jrs89
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
Re: Advice needed: Best student loan? [Re: jrs89] #3036244
02/08/20 07:01 PM
02/08/20 07:01 PM
Joined: Dec 2013
Posts: 22,471
Lickskillet, AL
Irishguy Offline
a.k.a. Dingle Johnson
Irishguy  Offline
a.k.a. Dingle Johnson
Joined: Dec 2013
Posts: 22,471
Lickskillet, AL
Originally Posted by jrs89
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.

Re: Advice needed: Best student loan? [Re: Jim Gray] #3036253
02/08/20 07:12 PM
02/08/20 07:12 PM
Joined: Nov 2014
Posts: 13,017
Montgomery, Alabama
jaredhunts Offline
Puts sugar in his cornbread!
jaredhunts  Offline
Puts sugar in his cornbread!
Joined: Nov 2014
Posts: 13,017
Montgomery, Alabama
Bloomberg will pay for it. Really, its abig talking point about forgiving all student loan debt.


It be's that way sometimes.

www.sunpoolcompany.com
Re: Advice needed: Best student loan? [Re: Jim Gray] #3036270
02/08/20 07:44 PM
02/08/20 07:44 PM
Joined: Jan 2014
Posts: 1,261
Alabama
G
getting old Offline
8 point
getting old  Offline
8 point
G
Joined: Jan 2014
Posts: 1,261
Alabama
11-12 % is about normal. It's a huge racket that is going to bite our country in the azz with young voters. Forgiving student loan debt sounds good to them and they don't care that it means you and I would ultimately pay them.

Re: Advice needed: Best student loan? [Re: Jim Gray] #3036273
02/08/20 07:50 PM
02/08/20 07:50 PM
Joined: Oct 2000
Posts: 7,162
Lee County
R
RCHRR Offline
14 point
RCHRR  Offline
14 point
R
Joined: Oct 2000
Posts: 7,162
Lee County
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.
Re: Advice needed: Best student loan? [Re: Jim Gray] #3036274
02/08/20 07:50 PM
02/08/20 07:50 PM
Joined: Nov 2014
Posts: 13,017
Montgomery, Alabama
jaredhunts Offline
Puts sugar in his cornbread!
jaredhunts  Offline
Puts sugar in his cornbread!
Joined: Nov 2014
Posts: 13,017
Montgomery, Alabama
Yes. To big to fail.


It be's that way sometimes.

www.sunpoolcompany.com
Re: Advice needed: Best student loan? [Re: Jim Gray] #3036278
02/08/20 07:54 PM
02/08/20 07:54 PM
Joined: Dec 2009
Posts: 5,517
Land of the free because of th...
mike35549 Offline
12 point
mike35549  Offline
12 point
Joined: Dec 2009
Posts: 5,517
Land of the free because of th...
The best thing going right now to pay for college is the National Guard.


If you're gonna be stupid you better be tough.
Re: Advice needed: Best student loan? [Re: Jim Gray] #3036280
02/08/20 08:00 PM
02/08/20 08:00 PM
Joined: Nov 2011
Posts: 21,751
USA
R
Remington270 Offline
Freak of Nature
Remington270  Offline
Freak of Nature
R
Joined: Nov 2011
Posts: 21,751
USA
11-12% is a joke. Someone with no credit can buy a car with a lower rate than that right now.

Re: Advice needed: Best student loan? [Re: Jim Gray] #3036284
02/08/20 08:06 PM
02/08/20 08:06 PM
Joined: Aug 2014
Posts: 13,838
Mobile, AL
S
SouthBamaSlayer Offline
Gary's Fluffer
SouthBamaSlayer  Offline
Gary's Fluffer
S
Joined: Aug 2014
Posts: 13,838
Mobile, AL
Tell him to work his way through college. He would be better off taking 8 years to finish college while working full time than he would be taking out loans.

Re: Advice needed: Best student loan? [Re: Jim Gray] #3036286
02/08/20 08:06 PM
02/08/20 08:06 PM
Joined: Sep 2019
Posts: 2,005
Mississippi/Alabama state line
R
Rutabaga Offline
8 point
Rutabaga  Offline
8 point
R
Joined: Sep 2019
Posts: 2,005
Mississippi/Alabama state line
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.
Re: Advice needed: Best student loan? [Re: SouthBamaSlayer] #3036317
02/08/20 08:41 PM
02/08/20 08:41 PM
Joined: Nov 2011
Posts: 21,751
USA
R
Remington270 Offline
Freak of Nature
Remington270  Offline
Freak of Nature
R
Joined: Nov 2011
Posts: 21,751
USA
If he majors in anything decent he should be able to pay it back pretty quickly. I’m sure accountants and engineers start off pretty good.

Re: Advice needed: Best student loan? [Re: AU7MM08] #3036323
02/08/20 08:50 PM
02/08/20 08:50 PM
Joined: Nov 2011
Posts: 4,474
limestone al
scrape Offline
10 point
scrape  Offline
10 point
Joined: Nov 2011
Posts: 4,474
limestone al
Originally Posted by AU7MM08
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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