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How can I make this work? (re: financial aid)?

I am 25 years old with an apartment, van, a lot of bills, and a full time job. I want to start Massage Therapy school next month, which will be $13,000. I qualify for government loans, but they only cover half. I'm a single, straight white adult with no children...if I wasn't single, if I was gay, not white, or had a kid I would qualify for more. But I don't. I don't have to start repaying my government loans until 6 months after I graduate. But I'm going to have to take out a personal loan to cover the rest of school. The problem: I totally can't afford any more monthly bills until I graduate & get a better job! People are telling me that a personal loan means I'll have to start repaying immediately. The reason I'm going back to school to begin with is because I need to have a job that I can e********y to help out with bills. This is going to take another year, & i can't afford any more bills. Does anyone have any suggestions please?! Sunshine_today, since you'd like to know, as I was filling out the forms there were checkboxes by all of those options with fine print that basically read that I could qualify for more money if any apply to me. I hope you're a nicer person in real life, but no, I am not feeling sorry for my "poor white self" as I am trying to better my life. When I start complaining about my life & not actually doing anything to change it, then feel free to use that sarcasm on me.

Asked By: Back in the Day - 7/6/2006
Best Answer - Chosen by Asker
Rather than contacting a bank for a "personal" loan, you need to look for a private educational loan (sometimes called an "alternative" educational loan). Most of the major education lenders offer grace periods to keep their private loan terms more in line with the federal loan terms. Examples of good loans with post-... More
Answered By: FinAidGrrl - 7/6/2006
Additional Answers (4)
1. make sure that you have found all the loans you qualify for (I paid for my entire schooling with loans and grants) 2. Get a roomate for your apartment, it will cut your bills in half, so that you can afford to pay ona personal loan.
Answered By: stinkylizardbreath - 7/6/2006
 
Yes, I have an idea--going to a $13,000 massage school is a luxury you can't afford. Realistically, how much do you think you are going to make as a masseuse? Those schools are proprietary schools, they want your money. Proprietary basically means "for profit... More
Answered By: sunshine_today - 7/6/2006
 
There are many personal school loans you can get out there that you don't have to pay until your are out of school. Check with your personal bank and other institutions. Also, being married and having children does increase the amount of financial aid you get.
Answered By: friendly_creations - 7/6/2006
 
Are you sure you can't take out private student loans instead fo a personal loan for the program? Also, check to see if you can defer payments of your existing student loans while you are in this program.
Answered By: ronnieneilan1983 - 7/6/2006
 
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