...to get a $3000 loan?? Bah. Went to the bank after work today. Needless to say, things didn't pan out as well as I had hoped they would. I cant say I was entirely suprised. Sallie Mae wouldn't give me a $3707 student loan, why would National City give me a $3700 personal line of credit? However, we discussed my options. The only thing we came up with was a possible interest back CC. This is, of course, my last resort. I'll find out tomorrow if I was approved. Aside from that, I really have no plan. The no-credit-no-cosigner loans I found online had even worse interest rates than the CC, and I dont mind paying now. Actually, I prefer it. Until then, however, I am making/saving as much $ as possible.
I took a look at my credit report today. 9 accounts in good standing, no negatives at all. So that's not it. The bank manager said it was my income:debt ratio that's killing me. Understandable. But really, how can these people expect me to pay for my college if I dont have the time to work (due to classes). That being said, I think I'm going to have to bite the bullet and get another job. If not to pay for my classes by July 11, to pay off this newly acquired CC as soon as possible.
I think I'm going to try bartending. I've done a bit at the restaurant I work at currently, and I have a pseudo-in at a local place that seems pretty laid-back, but fun. I'm going there tonight with mom to put in an application (her and her BF go there all the time. Said BF golfs on thier league and such). Even working 3 nights a week or so will pull me in some much needed cash. It'll be difficult, for sure, with classes and all, but I'm a tough cookie. I'll figure it out. It'll be much easier come mid-august when classes end.
Other than that, I have little financial news. Made decent money at work. Mailed that book finally. Funds should be transferred soon, though I hardly made any money on it. I did another pinecone survey, so hopefully I'll be seeing that check at some point. I never did get the first one. Does anyone know how long it takes them to mail them generally?
Also, having issues with etsy and paypal. I want to mail my earrings, but I want to wait til the payment goes through. It's been about 5 days since the purchase, so I would imagine it should be there by now, but nothing is showing up. grr.
Alrighty. Enough rambling. Everyone have a good night!
What's a girl gotta do...
June 20th, 2008 at 12:20 am
June 20th, 2008 at 01:20 am 1213924847
June 20th, 2008 at 01:48 am 1213926503
I do wish you the best of luck on the loan process. If you can't get the money you will have to stop classes temporarily. Then you will need to work until you have enough saved for the next class.
June 20th, 2008 at 02:00 am 1213927243
June 20th, 2008 at 02:56 am 1213930591
June 20th, 2008 at 04:12 pm 1213978331
I found Lending Club easier than Prosper. I think a lot of people have been late or defaulted on Prosper so people are more wary of lending there...but the people on Lending Club have been better at paying back their loans so people lend more there. Try them and see.