I wish I had never gone to college :( - GoFuckYourself.com

AaliyahLove · 03-11-2009, 04:32 PM

Paying off student loans SUCKS! I called my loan people today and asked them why is it that I keep on paying them MORE THAN the amount requested every month and the amount that I owe on the loans never seems to go down.. The guy's reply was "MOST of your payment goes to the final amount, the rest goes towards interest" Well I got out my calculator and punched in the #'s he told me and found out only 70% of what I'm paying goes towards paying off the loan! His reply was "yes, 70%, that's MOST" LOL!

Then I ask them to tell me the difference between my 2 loans and which one would be better to pay off first (one if for 2k the other is for a little more than 3k) and they transfered me to 4 diff people then told me to "go online and find your answers on our website" I told them no, your website is confusing and I'd rather talk to a real person about this kinda stuff.. ugh!! 20 mins on the fone with these people and I never got a straight answer! I wrote them a check for $2000 and asked them to please mark on my account that is to PAY OFF one of the loans.. I am expecting to get my statement next month and see that they split the $ between the two and I will still have two loans to pay off.. I wish I had an extra $5000 so I could just write them a check n tell them to go fuck themselves..

I never finished college and the only classes I feel I really learned something from were my history classes. Did I learn anything in college that I use in my business or everyday life? Nope, I don't think so.. I could of used the time I spent in class and studying working on my webcam or building my website and I would be better off now keeping that $ instead of paying off these loans, which I feel I will be paying off for the next 10 years of my life.. ugh!!

Thanx for letting me vent guys

Deej · 03-11-2009, 04:33 PM

Skul Sux~~~

xNetworx · 03-11-2009, 04:34 PM

Do a gangbang, collect $5000, pass go.

AaliyahLove · 03-11-2009, 04:35 PM

Quote:

Originally Posted by pimpporn

Do a gangbang, collect $5000, pass go.

LOL! Why didn't I think of that?!

It's not that I don't HAVE the $5k, I'd just be really sad to hand over that much of my hard earned $ to these douchebags.. But I guess in the long run if I paid it all off at once I would be paying them a lot less.. sigh..

RayBonga · 03-11-2009, 04:36 PM

can you get the 5k and pay them? not exactly a huge ammount

Anyway, if you have a house or other asset you can consolidate in a lower rate and/or longer term loan. just check with the banks

DrChango · 03-11-2009, 04:38 PM

Quote:

Originally Posted by AaliyahLove

Paying off student loans SUCKS! I called my loan people today and asked them why is it that I keep on paying them MORE THAN the amount requested every month and the amount that I owe on the loans never seems to go down.. The guy's reply was "MOST of your payment goes to the final amount, the rest goes towards interest" Well I got out my calculator and punched in the #'s he told me and found out only 70% of what I'm paying goes towards paying off the loan! His reply was "yes, 70%, that's MOST" LOL!

Then I ask them to tell me the difference between my 2 loans and which one would be better to pay off first (one if for 2k the other is for a little more than 3k) and they transfered me to 4 diff people then told me to "go online and find your answers on our website" I told them no, your website is confusing and I'd rather talk to a real person about this kinda stuff.. ugh!! 20 mins on the fone with these people and I never got a straight answer! I wrote them a check for $2000 and asked them to please mark on my account that is to PAY OFF one of the loans.. I am expecting to get my statement next month and see that they split the $ between the two and I will still have two loans to pay off.. I wish I had an extra $5000 so I could just write them a check n tell them to go fuck themselves..

I never finished college and the only classes I feel I really learned something from were my history classes. Did I learn anything in college that I use in my business or everyday life? Nope, I don't think so.. I could of used the time I spent in class and studying working on my webcam or building my website and I would be better off now keeping that $ instead of paying off these loans, which I feel I will be paying off for the next 10 years of my life.. ugh!!

Thanx for letting me vent guys

I finished with BA in History with a Political Science minor...and I work for a porn company. I cc my boss all my b2b e-mails and she says years of BSing papers gave me an excellent vocabulary=)

Sly · 03-11-2009, 04:40 PM

That's pretty much how all loans work. My car payment is $500 and only $300 of it goes towards the principal... however every month that does go up. Just keep paying in like you are and it will disappear slowly but surely.

Verbal · 03-11-2009, 04:40 PM

What kind of interest (%) are you paying?

Barefootsies · 03-11-2009, 04:41 PM

Quote:

Originally Posted by AaliyahLove

Paying off student loans SUCKS! I called my loan people today and asked them why is it that I keep on paying them MORE THAN the amount requested every month and the amount that I owe on the loans never seems to go down.. The guy's reply was "MOST of your payment goes to the final amount, the rest goes towards interest" Well I got out my calculator and punched in the #'s he told me and found out only 70% of what I'm paying goes towards paying off the loan! His reply was "yes, 70%, that's MOST" LOL!

Then I ask them to tell me the difference between my 2 loans and which one would be better to pay off first (one if for 2k the other is for a little more than 3k) and they transfered me to 4 diff people then told me to "go online and find your answers on our website" I told them no, your website is confusing and I'd rather talk to a real person about this kinda stuff.. ugh!! 20 mins on the fone with these people and I never got a straight answer! I wrote them a check for $2000 and asked them to please mark on my account that is to PAY OFF one of the loans.. I am expecting to get my statement next month and see that they split the $ between the two and I will still have two loans to pay off.. I wish I had an extra $5000 so I could just write them a check n tell them to go fuck themselves..

I never finished college and the only classes I feel I really learned something from were my history classes. Did I learn anything in college that I use in my business or everyday life? Nope, I don't think so.. I could of used the time I spent in class and studying working on my webcam or building my website and I would be better off now keeping that $ instead of paying off these loans, which I feel I will be paying off for the next 10 years of my life.. ugh!!

Thanx for letting me vent guys

Who do you have? Sallie Mae?

If so, you need to pay ONLINE and designate your payment to go on the PRINCIPAL.

I hear you can write that on your stubs when you mail it also, but I prefer paying online so I have the choice since I always pay extra. I do the same on my auto, house, and jetski loans as well. Although those are through a credit union.

Fletch XXX · 03-11-2009, 04:41 PM

Quote:

Originally Posted by AaliyahLove

L
I'd just be really sad to hand over that much of my hard earned $ to these douchebags..

lol, they gave you money for school right?

qxm · 03-11-2009, 04:42 PM

Quote:

Originally Posted by DrChango

I finished with BA in History with a Political Science minor...and I work for a porn company. I cc my boss all my b2b e-mails and she says years of BSing papers gave me an excellent vocabulary=)

Yeap.. thats a big plus you get from College, a rich and diverse vocabulary to BS your way out of anything but debts

Belinda · 03-11-2009, 04:44 PM

Quote:

Originally Posted by AaliyahLove

LOL! Why didn't I think of that?!

It's not that I don't HAVE the $5k, I'd just be really sad to hand over that much of my hard earned $ to these douchebags.. But I guess in the long run if I paid it all off at once I would be paying them a lot less.. sigh..

If you paid it off THEY'D be loosing more to, think of it that way! Then they can't collect on the interest anymore!

phasic · 03-11-2009, 04:45 PM

After a 1.5yrs and too much money I said fuck that shit too..

Sly · 03-11-2009, 04:46 PM

Quote:

Originally Posted by AaliyahLove

LOL! Why didn't I think of that?!

It's not that I don't HAVE the $5k, I'd just be really sad to hand over that much of my hard earned $ to these douchebags.. But I guess in the long run if I paid it all off at once I would be paying them a lot less.. sigh..

If you have the spare money it really doesn't make sense to not pay off the loan. The loan is costing you money, close to double its initial worth through its lifetime. If you have the money, and your money isn't making you a higher percentage of interest elsewhere, pay it off. Of course this doesn't include your emergency fund... don't dip into that.

After Shock Media · 03-11-2009, 04:48 PM

Well if you responded to some porn ad because you were broke while you were attending college for which they paid for. Then without them and that loan there could be no website and no naked you for us to look at - in a round about way. I mean you could of ended up not going to college and getting a job at some coffee joint where the wages and tips provided you with enough that you never would of looked at any recruiting ad and eek remained straight laced.

brassmonkey · 03-11-2009, 04:51 PM

damn glad i finished

AaliyahLove · 03-11-2009, 04:51 PM

Quote:

Originally Posted by Fletch XXX

lol, they gave you money for school right?

yes ur right, I just wish I had researched a little more and educated myself about this before taking out that much $.. Or wish I hadn't taken ANY of their $.
I was 18 at the time and thought I was going to be a preschool teacher for the rest of my life hehe..
So I did appreciate them loaning me the $ at the time, but they r douchebags for making it so confusing and not explaining it all to me in a way I can understand.. If this stuff confuses me I'm sure there are plenty of other people that are confused about it also.

AaliyahLove · 03-11-2009, 04:52 PM

Quote:

Originally Posted by brassmonkey

damn glad i finished

what was ur major?

AaliyahLove · 03-11-2009, 04:54 PM

Quote:

Originally Posted by Verbal

What kind of interest (%) are you paying?

somewhere around 6%?

I think next time I get a bill from them I'm just going to pay it off in full so I never have to deal with them again and I don't have this hanging over my head.. thanx for the comments guys, I just need to vent

Fletch XXX · 03-11-2009, 04:54 PM

Quote:

Originally Posted by AaliyahLove

yes ur right, I just wish I had researched a little more and educated myself about this before taking out that much $.. Or wish I hadn't taken ANY of their $.
I was 18 at the time and thought I was going to be a preschool teacher for the rest of my life hehe..
So I did appreciate them loaning me the $ at the time, but they r douchebags for making it so confusing and not explaining it all to me in a way I can understand.. If this stuff confuses me I'm sure there are plenty of other people that are confused about it also.

best of luck to you

Spunky · 03-11-2009, 04:57 PM

Pay them off asap,short term pain for long term gain,just like a credit card,those intrest only payments will drain ya and you're not getting ahead

Si · 03-11-2009, 04:59 PM

Just pay it off in one lump sum otherwise your lining they're pockets with interest

AnniKN · 03-11-2009, 04:59 PM

Quote:

Originally Posted by AaliyahLove

somewhere around 6%?

I think next time I get a bill from them I'm just going to pay it off in full so I never have to deal with them again and I don't have this hanging over my head.. thanx for the comments guys, I just need to vent

6% a year? - everytime I hear about the loan interest rates elsewhere I get so depressed

abshard · 03-11-2009, 05:02 PM

Wait till you buy a house and you start paying 2000 a month and only 100 goes towards the principle.

D Ghost · 03-11-2009, 05:02 PM

damn thats whack, glad i got out early

PersianKitty · 03-11-2009, 05:04 PM

Hmmmm school teacher Aaliyah instead of school girl.

I think you need to play on that angle.

mynameisjim · 03-11-2009, 05:04 PM

There are all types of ways interest is handled. Some loans you pay it all in the beginning. Some also have penalties for paying early since you are trying to avoid the interest.

They really do fuck you over. Regular state college can be as much as $30K a year. I'm not sure if it's worth it anymore just for a BA. They could really shrink that so it only takes 2 years. There is no reason to stretch out a BA so it takes 4 years. Seems outdated and more about tradition.

WiredGuy · 03-11-2009, 05:10 PM

Its a turn on hearing you talk about interest rates and optimizing payments to reduce debt.
WG

HorseShit · 03-11-2009, 05:13 PM

student loans rock

RyuLion · 03-11-2009, 05:19 PM

Good luck with that hun..

Ross · 03-11-2009, 05:21 PM

Isn't KB your boyfriend? Isn't he a baller? Get him to help you out.

Or you could do an aaliyalovebailout.com

Good luck.

PS you're smokin hot.

baddog · 03-11-2009, 05:25 PM

70% is huge. I wish 70% of my house payment went towards the principle.

onwebcam · 03-11-2009, 05:25 PM

You have to write a separate check for the "excess" amount and write on the check itself "Apply to principal" This applies to any loan, car, student, home, credit cards even, etc. Otherwise it gets deducted from the P&I.

abshard · 03-11-2009, 05:27 PM

Quote:

Originally Posted by baddog

70% is huge. I wish 70% of my house payment went towards the principle.

Wait about 25 years and it will

notoldschool · 03-11-2009, 05:28 PM

If it wasnt for school I would have never had a library to start my own biz. Luckily it only took me a couple years to figure out networking was not the way to go and I started snagging books on web design and pretty much learned the rest on my own. School is good if you want to work for someone else all your life, owe big debts all your life, and fuck pretty girls while you attend. Other than that, useless.

AaliyahLove · 03-11-2009, 05:31 PM

Quote:

Originally Posted by Ross

Isn't KB your boyfriend? Isn't he a baller? Get him to help you out.

Or you could do an aaliyalovebailout.com

Good luck.

PS you're smokin hot.

all I want from my man is his love, and his dick hehe.. I'm a big girl I can pay my own bills

baddog · 03-11-2009, 05:32 PM

Quote:

Originally Posted by abshard

Wait about 25 years and it will

Yeah, I know.

AaliyahLove · 03-11-2009, 05:33 PM

Quote:

Originally Posted by WiredGuy

Its a turn on hearing you talk about interest rates and optimizing payments to reduce debt.
WG

ooooh baby.. does that make ur dick hard? I can tell you about the hassles I had to deal with figuring out my my taxes and my health insurance bills next and that will really make you cummmm...mmmmmmmmmm

Sorry I will stick to posting naked pics and making smart asses comments from now on

AaliyahLove · 03-11-2009, 05:36 PM

Quote:

Originally Posted by PersianKitty

Hmmmm school teacher Aaliyah instead of school girl.

I think you need to play on that angle.

yep, I had a classroom of 12 1.5yr olds when I started webcamming.. I would work all day long for about $42 then go to this studio and work an extra 2 hours on webcam and double my $.. I thought that webcamming and photoshoots would be a great "side job" for a little bit to put some extra $ in my pocket until I got my degree..
Look at me now!

AnniKN · 03-11-2009, 05:39 PM

Quote:

Originally Posted by AaliyahLove

ooooh baby.. does that make ur dick hard? I can tell you about the hassles I had to deal with figuring out my my taxes and my health insurance bills next and that will really make you cummmm...mmmmmmmmmm

Sorry I will stick to posting naked pics and making smart asses comments from now on

you're awesome, and everytime I click on your webcams link you're offline

baddog · 03-11-2009, 05:53 PM

Quote:

Originally Posted by AaliyahLove

Thanx for letting me vent guys

I have to thank you for starting this thread. It made me stop and think about my car loan that I have been over paying.

One phone call and $2k was knocked off the principle.

AaliyahLove · 03-11-2009, 05:54 PM

Quote:

Originally Posted by AnniKN

you're awesome, and everytime I click on your webcams link you're offline

Damn! Well I'm usually online 5-6 days a week, but this week I had to take a couple days off to take care of stuff.. there's a schedule on my bio and I usually stick to it so you can check that

I will def be online Thurs n Friday night!

slapass · 03-11-2009, 06:04 PM

If you can pay one off. Pay off the higher interest one first. It is not that confusing.

If you owe 5k at 6%. You are paying monthly so 6%/12 months = .5% times the 5k =$250. That is your interest and if your payment is about $400 then $150 is going towards the principal.

PersianKitty · 03-11-2009, 06:05 PM

Quote:

Originally Posted by baddog

I have to thank you for starting this thread. It made me stop and think about my car loan that I have been over paying.

One phone call and $2k was knocked off the principle.

See.. now you should give Aaliyah half of that.

sortie · 03-11-2009, 06:13 PM

Quote:

Originally Posted by baddog

I have to thank you for starting this thread. It made me stop and think about my car loan that I have been over paying.

One phone call and $2k was knocked off the principle.

That still sucks.

I overpaid on my car loan every month and then I got a letter saying
congrats you paid off your loan early. I then threw away six months of
"payment reminder stubs".

Ozarkz · 03-11-2009, 06:28 PM

Quote:

Originally Posted by AaliyahLove

Paying off student loans SUCKS! I called my loan people today and asked them why is it that I keep on paying them MORE THAN the amount requested every month and the amount that I owe on the loans never seems to go down.. The guy's reply was "MOST of your payment goes to the final amount, the rest goes towards interest" Well I got out my calculator and punched in the #'s he told me and found out only 70% of what I'm paying goes towards paying off the loan! His reply was "yes, 70%, that's MOST" LOL!

Then I ask them to tell me the difference between my 2 loans and which one would be better to pay off first (one if for 2k the other is for a little more than 3k) and they transfered me to 4 diff people then told me to "go online and find your answers on our website" I told them no, your website is confusing and I'd rather talk to a real person about this kinda stuff.. ugh!! 20 mins on the fone with these people and I never got a straight answer! I wrote them a check for $2000 and asked them to please mark on my account that is to PAY OFF one of the loans.. I am expecting to get my statement next month and see that they split the $ between the two and I will still have two loans to pay off.. I wish I had an extra $5000 so I could just write them a check n tell them to go fuck themselves..

I never finished college and the only classes I feel I really learned something from were my history classes. Did I learn anything in college that I use in my business or everyday life? Nope, I don't think so.. I could of used the time I spent in class and studying working on my webcam or building my website and I would be better off now keeping that $ instead of paying off these loans, which I feel I will be paying off for the next 10 years of my life.. ugh!!

Thanx for letting me vent guys

College can be a huge waste of money if you don't go about it in the right way.

At least you are not in $30k debt.. Like a lot of people are to their schools..

miss_bellabellini · 03-11-2009, 06:30 PM

Good luck paying it off Aaliyah! I managed to get scholarships for most of mine but I have friends who are struggling with loans, even in Canada.

Education should be accessible for all and government should see it as an investment in itself and not burden students with large loans.

baddog · 03-11-2009, 06:32 PM

Quote:

Originally Posted by miss_bellabellini

Education should be accessible for all and government should see it as an investment in itself and not burden students with large loans.

It was her choice to pick a school that charged. There are plenty of quality freebies out there.

03-11-2009, 06:39 PM

Quote:

Originally Posted by qxm

Yeap.. thats a big plus you get from College, a rich and diverse vocabulary to BS your way out of anything but debts

Thats what bailouts are for!

AaliyahLove · 03-11-2009, 06:42 PM

Quote:

Originally Posted by baddog

It was her choice to pick a school that charged. There are plenty of quality freebies out there.

oh yeah, the Community College was a 30 min drive from my place, and the U of Penn (York campus) was within walking distance. I thought it would "sound better" and look better on my record if I went to a University, plus I loved walking to school every day.
I put so much time and effort into getting a 3.5-4.0 GPa the entire time I was in school, yet no one that I've done biz with has asked to see my college transcripts, ever.

03-11-2009, 04:32 PM	#1
AaliyahLove Confirmed User Join Date: Apr 2008 Location: AaliyahLove.com Posts: 2,722	I wish I had never gone to college :( Paying off student loans SUCKS! I called my loan people today and asked them why is it that I keep on paying them MORE THAN the amount requested every month and the amount that I owe on the loans never seems to go down.. The guy's reply was "MOST of your payment goes to the final amount, the rest goes towards interest" Well I got out my calculator and punched in the #'s he told me and found out only 70% of what I'm paying goes towards paying off the loan! His reply was "yes, 70%, that's MOST" LOL! Then I ask them to tell me the difference between my 2 loans and which one would be better to pay off first (one if for 2k the other is for a little more than 3k) and they transfered me to 4 diff people then told me to "go online and find your answers on our website" I told them no, your website is confusing and I'd rather talk to a real person about this kinda stuff.. ugh!! 20 mins on the fone with these people and I never got a straight answer! I wrote them a check for $2000 and asked them to please mark on my account that is to PAY OFF one of the loans.. I am expecting to get my statement next month and see that they split the $ between the two and I will still have two loans to pay off.. I wish I had an extra $5000 so I could just write them a check n tell them to go fuck themselves.. I never finished college and the only classes I feel I really learned something from were my history classes. Did I learn anything in college that I use in my business or everyday life? Nope, I don't think so.. I could of used the time I spent in class and studying working on my webcam or building my website and I would be better off now keeping that $ instead of paying off these loans, which I feel I will be paying off for the next 10 years of my life.. ugh!! Thanx for letting me vent guys __________________ www.AaliyahLove.CamModels.Com

03-11-2009, 04:33 PM	#2
Deej I make pixels work Industry Role: Join Date: Jun 2005 Location: I live here... Posts: 24,386	Skul Sux~~~ __________________ Deej's Designs n' What Not Hit me up for Design, CSS & Photo Retouching Icq#30096880

03-11-2009, 04:40 PM	#7
Sly Let's do some business! Industry Role: Join Date: Sep 2004 Location: Austin, TX Posts: 31,323	That's pretty much how all loans work. My car payment is $500 and only $300 of it goes towards the principal... however every month that does go up. Just keep paying in like you are and it will disappear slowly but surely. __________________ Vacares - Web Hosting, Domains, O365, Security & More - Paxum and BTC Accepted Windows VPS now available Great for TSS, Nifty Stats, remote work, virtual assistants, etc. Click here for more details.

03-11-2009, 04:45 PM	#13
phasic Confirmed User Industry Role: Join Date: Jul 2005 Location: US Posts: 2,104	After a 1.5yrs and too much money I said fuck that shit too.. __________________ Brief revisit. (mic drop)

03-11-2009, 04:48 PM	#15
After Shock Media It's coming look busy Join Date: Mar 2001 Location: "Ph'nglui mglw'nafh Cthulhu R'lyeh wgah'nagl fhtagn". Posts: 35,299	Well if you responded to some porn ad because you were broke while you were attending college for which they paid for. Then without them and that loan there could be no website and no naked you for us to look at - in a round about way. I mean you could of ended up not going to college and getting a job at some coffee joint where the wages and tips provided you with enough that you never would of looked at any recruiting ad and eek remained straight laced. __________________ [email protected] ICQ:135982156 AIM: Aftershockmed1a MSN: [email protected]

03-11-2009, 04:34 PM	#3
xNetworx So Fucking What Industry Role: Join Date: Jan 2004 Location: Whore Island Posts: 14,445	Do a gangbang, collect $5000, pass go.

03-11-2009, 04:36 PM	#5
RayBonga too cool for highschool Join Date: Nov 2005 Location: East side, West side, Worldwide! Posts: 12,164	can you get the 5k and pay them? not exactly a huge ammount Anyway, if you have a house or other asset you can consolidate in a lower rate and/or longer term loan. just check with the banks

03-11-2009, 04:40 PM	#8
Verbal Confirmed User Join Date: Dec 2001 Location: Tampa, FL Posts: 3,420	What kind of interest (%) are you paying?

03-11-2009, 04:51 PM	#16
brassmonkey Pay It Forward Industry Role: Join Date: Sep 2005 Location: Yo Mama House Posts: 77,167	damn glad i finished __________________ TRUMP 2025 KEKAW!!! - The Laken Riley Act Is Law! DACA ENDED - SUPPORT AZ HCR 2060 52R - email: brassballz-at-techie.com

03-11-2009, 04:57 PM	#21
Spunky I need a beer Industry Role: Join Date: Jun 2002 Location: ♠ Toiletville ♠ Posts: 133,934	Pay them off asap,short term pain for long term gain,just like a credit card,those intrest only payments will drain ya and you're not getting ahead __________________ *YOUR INFORMATION HERE*

03-11-2009, 04:59 PM	#22
Si Such Fun! Industry Role: Join Date: Feb 2008 Posts: 13,900	Just pay it off in one lump sum otherwise your lining they're pockets with interest

03-11-2009, 05:02 PM	#24
abshard Confirmed User Industry Role: Join Date: Jan 2002 Location: AZ Posts: 6,307	Wait till you buy a house and you start paying 2000 a month and only 100 goes towards the principle.

03-11-2009, 05:02 PM	#25
D Ghost null Industry Role: Join Date: May 2006 Posts: 9,820	damn thats whack, glad i got out early

03-11-2009, 05:04 PM	#26
PersianKitty Meow Media Inc. Industry Role: Join Date: Jul 2001 Location: In the valley of the sun, cactus, tacos, tequila, and nod Posts: 7,785	Hmmmm school teacher Aaliyah instead of school girl. I think you need to play on that angle. __________________ Wondering what webmaster programs PK uses? Check them out here!

03-11-2009, 05:04 PM	#27
mynameisjim Confirmed User Join Date: Aug 2007 Posts: 2,985	There are all types of ways interest is handled. Some loans you pay it all in the beginning. Some also have penalties for paying early since you are trying to avoid the interest. They really do fuck you over. Regular state college can be as much as $30K a year. I'm not sure if it's worth it anymore just for a BA. They could really shrink that so it only takes 2 years. There is no reason to stretch out a BA so it takes 4 years. Seems outdated and more about tradition. __________________ jim (at) amateursconvert . com Amateurs Convert

03-11-2009, 05:10 PM	#28
WiredGuy Pounding Googlebot Industry Role: Join Date: Aug 2002 Location: Canada Posts: 34,469	Its a turn on hearing you talk about interest rates and optimizing payments to reduce debt. WG __________________ I play with Google.

03-11-2009, 05:13 PM	#29
HorseShit Too lazy to set a custom title Join Date: Dec 2004 Posts: 17,513	student loans rock

03-11-2009, 05:19 PM	#30
RyuLion ClubDomCash.com Industry Role: Join Date: Mar 2003 Location: San Diego Posts: 32,231	Good luck with that hun.. __________________ Adult Biz Consultant A tech head since 1995

03-11-2009, 05:21 PM	#31
Ross Ik ben een aap Industry Role: Join Date: Sep 2002 Location: Traffic Force Towers, Canada! Posts: 18,874	Isn't KB your boyfriend? Isn't he a baller? Get him to help you out. Or you could do an aaliyalovebailout.com Good luck. PS you're smokin hot.

03-11-2009, 05:25 PM	#32
baddog So Fucking Banned Industry Role: Join Date: Apr 2001 Location: the beach, SoCal Posts: 107,089	70% is huge. I wish 70% of my house payment went towards the principle.

03-11-2009, 05:25 PM	#33
onwebcam Fake Nick 1.0 Industry Role: Join Date: Oct 2005 Location: Rent free, your head Posts: 27,661	You have to write a separate check for the "excess" amount and write on the check itself "Apply to principal" This applies to any loan, car, student, home, credit cards even, etc. Otherwise it gets deducted from the P&I. __________________ PLEASE WAIT WHILE BIDEN ADMIN UNINSTALLS ITSELF..... ██████████████████▒ 99.5% complete. Last edited by onwebcam; 03-11-2009 at 05:27 PM..

03-11-2009, 05:28 PM	#35
notoldschool Confirmed User Join Date: Aug 2007 Posts: 5,687	If it wasnt for school I would have never had a library to start my own biz. Luckily it only took me a couple years to figure out networking was not the way to go and I started snagging books on web design and pretty much learned the rest on my own. School is good if you want to work for someone else all your life, owe big debts all your life, and fuck pretty girls while you attend. Other than that, useless. __________________ No doubt one may quote history to support any cause, as the devil quotes scripture. -- Learned Hand http://www.bjpenn.com

03-11-2009, 06:04 PM	#43
slapass Too lazy to set a custom title Join Date: Nov 2002 Location: Earth Posts: 14,622	If you can pay one off. Pay off the higher interest one first. It is not that confusing. If you owe 5k at 6%. You are paying monthly so 6%/12 months = .5% times the 5k =$250. That is your interest and if your payment is about $400 then $150 is going towards the principal.

03-11-2009, 06:30 PM	#47
miss_bellabellini Confirmed User Industry Role: Join Date: Apr 2008 Location: Toronto Posts: 533	Good luck paying it off Aaliyah! I managed to get scholarships for most of mine but I have friends who are struggling with loans, even in Canada. Education should be accessible for all and government should see it as an investment in itself and not burden students with large loans. __________________ bella.bellini at gmail.com Check out my official site!