Birdy Posted May 18, 2012 Report Share Posted May 18, 2012 Found the answer. Please delete this thread. Link to comment Share on other sites More sharing options...
future_doc Posted May 19, 2012 Report Share Posted May 19, 2012 Are you willing to share the answer? Or we can guess the question. Is it: how many in a baker's dozen? Link to comment Share on other sites More sharing options...
future_doc Posted May 21, 2012 Report Share Posted May 21, 2012 Birdy, nobody is listening to you. Link to comment Share on other sites More sharing options...
Birdy Posted May 21, 2012 Author Report Share Posted May 21, 2012 Haha, I guess mods have other stuff to do. It was a question about student loans and credit rating, but I called my financial advisor. Link to comment Share on other sites More sharing options...
future_doc Posted May 21, 2012 Report Share Posted May 21, 2012 Spill the beans Birdy. The mods in the exercise of their proper discretion do not consider this to be a priority, and who can blames them. As a result, this may become a regular thread visited by many who can get anything of their chest. Nevermind. Link to comment Share on other sites More sharing options...
Birdy Posted May 21, 2012 Author Report Share Posted May 21, 2012 Sometimes saying 'nevermind' is a good way to get through a frustrating situation. Anyway, my question was about student loans. I do not need them, fortunately, but am eligible for a small amount anyway. I wanted to know whether I should apply specifically so I can repay them after a short period of time (before my program is done) to improve my credit score. My credit took a beating during our poor years, because all the bills we had trouble paying were in my name. I didn't know whether it would 'count' because no repayment would be required at the time I repay them. My financial advisor said it would improve my score, though possibly not by as much as it would if I paid them off after school. In my case, because I am over 22 and have never applied for student loans before, they have to run a credit check before I can receive any, so it will have an impact regardless. She did warn me that if I were repaying student loans while still in school, it may affect my eligibility for future years since my assessed need would be different, but she didn't know for sure, she was just pointing it out. I want to get my credit into really good shape so that when it comes time for a med LOC, I will be in a position to negotiate for the best rates/features. Link to comment Share on other sites More sharing options...
future_doc Posted May 21, 2012 Report Share Posted May 21, 2012 The med student LOC is standard, you do not negotiate over the interest rate - it is prime. Perhaps to waive the annual credit card charge. So, you are in good shape. Link to comment Share on other sites More sharing options...
future_doc Posted May 21, 2012 Report Share Posted May 21, 2012 About what I just said - nevermind. Link to comment Share on other sites More sharing options...
Alai Posted May 21, 2012 Report Share Posted May 21, 2012 http://www.youtube.com/watch?v=A2k-G_kIkDw Link to comment Share on other sites More sharing options...
future_doc Posted May 21, 2012 Report Share Posted May 21, 2012 Nevermind indeed! (it's too long) Link to comment Share on other sites More sharing options...
Birdy Posted May 21, 2012 Author Report Share Posted May 21, 2012 The med student LOC is standard, you do not negotiate over the interest rate - it is prime. Perhaps to waive the annual credit card charge. So, you are in good shape. I don't want to be in a position to require a co-signer. As things stand now, I probably would. It's only three years away (being optimistic...) so that isn't a lot of time to repair my limping credit. Link to comment Share on other sites More sharing options...
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