<p>*Before I even get started, I'm assuming no credit = no loan and bad credit = possible loan, but any penalties would be excruciatingly severe.</p>
<p>Please excuse my shorthand. I could easily turn this into a wall of text, but I'll do my best to refrain.</p>
<p>Flunked out of Illinois State after 1.5 years, went to CC for the remaining semester. Grades were bad enough to deny financial aid eligibility for this year. Now need $1000 to pay for this fall semester (part-time) of CC to get my grades up - this should allow me to become eligible for FA in the spring semester. Getting into CC this semester also means I don't have to start paying back student loans (going over the 60-day grace period).</p>
<p>I'm also paying $250 a month to Illinois State. The rest of the $1000 loan would be used to make that payment this month. Now, with two jobs, I could then start paying back the $1000 loan immediately (assuming it's <$100 a month).</p>
<p>A Google search sounds a bit sketchy when numerous scams abound, but what would you kind folks recommend for obtaining this small loan?</p>
<p>I don’t know of any. I would recommend taking a break from school and working full time to get the $.</p>
<p>Erin’s Dad, if I did that I’d have to start paying back my student loans on top of the $250/month to ISU. I also believe my dad would have to start paying back the Parent PLUS loan immediately, as well.</p>
<p>I mean, with one full-time job and perhaps a second, part-time job I might be able to pay off all debts within a year and a half, two years tops, but doesn’t that bar me from getting any financial aid in the future if I plan to attend school again?</p>
<p>If that’s the case I’d have to resort to finding jobs that don’t require any sort of degree. Man, this whole ‘being a complete failure’ thing kind of blows.</p>
<p>That is what happens when you don’t fulfil the loan conditions. Do you think the loans should just keep on coming whether or not you made the standards? When you mess up, you have to come up with the money yourself. Explain your situation to your father/parents and see if they can lend you the money for the term. Be very much aware what happens if you do not make standards. When you are in good standing, you can maybe start borrowing again.</p>
<p>I guess I only have two options, then:</p>
<p>1) Somehow (my parents don’t have it nor do I) come up with $1000, take a couple of classes to get my grades back up, and become eligible for financial aid 2nd semester.</p>
<p>2) Don’t attend school this semester and start paying back whatever loans I’m supposed to pay back. I’m not sure how my dad will pay back the Parent PLUS loan, though. Will this (paying off student loans now) bar me from getting any aid in the future, though?</p>
<p>You may have to take some classes on your own dime to get your GPA up before you’re eligible for FA. Make an appt with the counselor at the school to discuss it.</p>
<p>I know you guys probably won’t have any advice other than “Well, you did that yourself” (which is completely true), but, apparently, if I don’t go to school full-time I lose health benefits including my dental (braces). It’s odd because I went to school part time last semester and this issue was never brought up.</p>
<p>My parents don’t have the money and by the time I get the money from my 2 jobs I’ll have missed the starting date for school. Bank loans are the only option I know of outside of asking family even if my mom and dad have done that plenty on their own…</p>
<p>You need to find out how many credits is full time enough for the dental insurance coverage. Then you need to figure out if paying for the dentistry out of pocket will be more expensive than paying for that number of credits out of pocket. </p>
<p>Don’t forget to speak with the dentist about your treatment plan, and find out whether or not it is possible to set up a payment plan for your dental work. Find out how much your insurer actually has been paying for the work. It probably is much less than the figure that appears on your original bill.</p>
<p>Metallica93 I was in your same situation as far as Insurance goes. If your under 26 you should be able to stay on your parents Insurance program. No 12 units or more bull****. That was a big part of the Obama care deal. My parents made me take what ever 12 units i could get into semester after semester. Just to stay on the Insurance . This was in the early 00’s though. Those under 26 should feel very lucky!! HAHAH</p>
<p>It is my understanding that the age 26 rule is just for medical, not dental or vision insurance.</p>
<p>@happymom1, that is not true. If your parents have full coverage. IT would cover, medical, dental, vision is basically medical. I am 25 right now, by 26 i will not have anymore insurance. It depends on type of insurance and coverage though. What kind of insurance needs you to be a full time student in order to have the insurance?</p>
<p>i wasnt aware, before the OBama health care deal, needed you to be full time to have health insurance.</p>
<p>Dental insurance through an employer is generally a separate policy often with a different company than medical and not included under the ACA. Vision insurance pays for eyeglass lenses, frames and contacts. Visits to an eye doctor, eye surgery etc. are covered under the medical policy.</p>
<p>Prior to the ACA dependent provision taking affect, generally the dependent age was up to 24 years if a full time student. Also had to be a tax dependent. This followed IRS rules for dependents. Eighteen year olds who weren’t full-time students were expected to be able to find a job with their own insurance.</p>
<p>Grantstudent, you are incorrect.</p>
<p>I rescind that post then. i recant everything i said on this post.</p>
<p>It is actually employer dependent:</p>
<p>At our house our vision, dental and prescription plan are covered through my union, while medical benefits were through my employer. </p>
<p>Children are covered up until age 26 as long as they are your children (they could even have jobs and did not have to live in your house). However, at my house D was a full time grad student (she did come off the plan at the end of the month when she turned 26).</p>
<p>It is actually employer dependent:</p>
<p>At our house our vision, dental and prescription plan are covered through my union, while medical benefits were through my employer. </p>
<p>Children are covered up until age 26 as long as they are your children (they could even have jobs and did not have to live in your house). However, at my house D was a full time grad student (she did come off the plan at the end of the month when she turned 26).</p>
<p>It is actually employer dependent:</p>
<p>At our house our vision, dental and prescription plan are covered through my union, while medical benefits were through my employer. </p>
<p>Children are covered up until age 26 as long as they are your children (they could even have jobs and did not have to live in your house). However, at my house D was a full time grad student (she did come off the plan at the end of the month when she turned 26).</p>