securing loans/working with funds

<p>getting in was the hard part...now comes the really hard part.</p>

<p>anyone (parents, representatives, well-learned Sternies) know alot about student loans? ive got roughly 13K to cover, and i wanna get the max subsidized i can. any input is always appreciated.</p>

<p>i am expecting some third-party scholarships and grants (through school and my job). If i get any more free money, and i bring the info to the FinAid office, what happens? do they subtract from my loans? will i have to transfer funds?</p>

<p>final question: can i deferr any of my loan/scholarship/grant money to housing or commuting costs? i would not house on campus, i mean if i was able to secure a (cheap!) apartment. could i use my loans or my scholarships or grants to pay for this, or whatever the cost of my commute would be?</p>

<p>thanks a bunch</p>

<p>I'm in the same position as you.
I applied for the Sallie Mae loan, but you'll need a cosigner.</p>

<p>where do you work that they are willing to pay for some of your schooling?</p>

<p>i work at a country club in Jersey...ever see caddy shack? lol, thats almost exactly what its like. i think i can get the max they offer (most of my coworkers are rich, not so bright NJ kids) which would be about 6k/a year, which would obviously rock.</p>

<p>keepin fingers crossed!</p>

<p>wowww thats amazing! good luck w/ that!</p>

<p>bump...i need info from real people (brochures and FAQs aint cuttin it for me) and this message board is so damn busy (anyone else notice that?)</p>

<p>Try <a href="http://www.myrichuncle.com%5B/url%5D"&gt;www.myrichuncle.com&lt;/a> I don't think you need a cosigner there, and you get your interest reduced for getting high grades. If I end up taking out loans, it will likely be from there.</p>

<p>And im pretty sure you can use scholarship money from housing, even if its off campus. I think I heard that it goes to NYU and they issue you a check or something. But don't quote me on that, I'd go ahead and ask NYU. (I don't think you can for commuting costs though, but, again, I could be wrong)</p>

<p>a friend of mine just got a near-full ride to her college after she appealed. as she said it, she was going to take out a student loan, and with that money, travel during her summer as a way to relax (she'll be entering a 6-year or so premed program, very tough, etc.) This wasnt said in jest, she was considering it very very closely.</p>

<p>So im starting to assume that, with the proper student loan, you can do just about anything. I mean its your $$, right?</p>