Internet's first get-out-of-debt community - 134,000 members

Posted: Fri Jan 13, 2006 1:34 pm Subject:

Geoffrey,

Welcome to forums Very Happy

I am so glad that you succeeded in avoiding the trap Very Happy

So you are back to school. If university guideline does not permit you to consolidate old tuition fees, why don't you apply for federal student loan? It is not mandatory to have a good credit to qualify for federal fund. Subsidized loans are basically need-based. You have to fill out FAFSA first to undergo the need analysis process.

Some private lenders also offer student loans and loans for continuing education. But you either have to pass a credit check, or need a credit worthy co-signer. A part time job also may help you. Please view my Blog for more information-

http://www.debtconsolidationcare.com/bryan/index.html

Geoffrey · Posted: Sat Jan 14, 2006 7:32 am Subject: University Balance

Bryan,

Thank you for your reply! I actually have a job and already have federal student loans. The problem is that I recently transferred to the school I'm at and am not 'officially' in my degree program (though I'm close to having enough credits for senior status) thus I'm not eligible for federal loans with this school and until I clear the balance I cannot register. It appears a co-signer may be the only route, though I know of none. When this balance is paid and I can register I will get the GI Bill, but only after I'm enrolled in classes. It seems I'm stuck!

Guest · Posted: Sat Jan 14, 2006 9:42 am Subject:

I don't know which course have you opted, still why don't you try another school? Think of it.

Posted: Sat Jan 14, 2006 9:55 am Subject:

So you cannot get federal student loan through your school. Then try to apply through some private lenders or guarantee agencies. You can also think of private student loans. Sallie Mae offers some private loans where you must have a co-borrower if your credit is not so good. Have a look-

http://www.debtconsolidationcare.com/forums/pvtloan-advantage.html

Geoffrey · Posted: Mon Jan 16, 2006 12:24 pm Subject:

Can you tell me about guarantee agencies Bryan? I have tried private lenders and Sallie Mae but after the loan got approved it got sent back to Sallie Mae. You see, you have to be registered for the financial aid to accept private loans (which in most cases can only be used to pay the difference of what federal doesn't cover) and you cannot use them to pay past dues balances. Therefore, since my account is on hold I cannot register and since I cannot register I cannot get a private loan. I need a personal loan that is unaffiliated with the school.

Guest · Posted: Mon Jan 16, 2006 12:47 pm Subject: Another Victim

I believe that I have been victimized as well by this alleged "Susan Miller" Like many others here, I was really looking forward to this loan which seemed "legitimate." Could someone please advise what I should do, like many others, I sent a copy of my drivers license and other personal infor as well.

Thanks.

Posted: Mon Jan 16, 2006 1:10 pm Subject:

Guest,

Some basic steps are there that you should follow whenever you feel that your identity is under threat.

You should file a report with local police first.
Then inform your bank about the incident and see what they recommend.
Place a fraud alert on your credit report. You can contact credit bureaus for this purpose.

Visit this forum page and to gather some more knowledge-

http://www.debtconsolidationcare.com/forums/lost-wallet.html

Posted: Mon Jan 16, 2006 1:12 pm Subject:

Geoffrey,

Welcome back to forums Very Happy

Guarantee agency is the institute that insures student loans against default. If the student loan borrower defaults, dies or becomes disabled, they pay the remaining amount to the lender. A certain amount is collected on each disbursement as the cost of insurance.

There are some guarantee agencies that have built up such a huge fund, that they offer low guarantee fee very often.

Need Help · Posted: Mon Jan 16, 2006 1:36 pm Subject: Another Victim

I am yet another victime of the "Susan Miller" Scam. There ought to be something that can be done, to put pressure on not only the BBC but the Texas Police department as well as the internet in order to no allow this to happen again.

Any advice?

Posted: Mon Jan 16, 2006 1:57 pm Subject:

Geoffrey · Posted: Mon Jan 16, 2006 2:56 pm Subject:

Bryan, thank you for the information. I will look into these types of agencies.

cheryl · Posted: Mon Jan 16, 2006 8:54 pm Subject: susan miller

Thank you for this site. I just started a new business and I was applying for some capital to buy inventory. Susan emailed me back about the loan I applied for, and I am a research queen, I will search you out until I find what I'm looking for. When something sounds to good to be true it usually is!! I also received an email from another company with the same message NATIONWIDE EXPRESS LOANS, they have the same toll free number, only the last two digits are changed in HOUSTON,TX and all you get is a recording. The account mgr. name is DARIN. My family was scammed about five years ago when we really needed the money and now I get curious when people ask for money upfront. After reading this site I emailed her and told her cancel my loan and sent one of the posting to let her know she was a scam artist. Thank you and be blessed.

Geoffrey · Posted: Tue Jan 17, 2006 6:41 am Subject: Susan Miller Saga

I actually replied to Mr. Hernandez, aka Susan Miller, and acted like I was interested but told him/her/it that it is illegal according to the FTC to charge advance fees for loans and he/she told me that they weren't going to change policies just for me and that he would delete my file. The next day I got the same reminder e-mail about my committment expiring soon. It appears that he is involved with so many people that he is losing track of who knows about his scam! The paperwork does look extremely official..but pleeeeease do not respond to this snake of a human being!! Just out of curiosity, is there anyone who has actually gotten money from this person?

Guest · Posted: Tue Jan 17, 2006 8:00 am Subject:

I checked the status today of the money order sent to "IPC" and sure enough! I a sending for a copy of this money order to find out exactly who cashed (name). I believe that anyone else who fell for this should do the same. Once I find out, I will contact the local authorities as well as the authorities in Texas. Also, can anyone find out who the webmaster is for their website? And I agree, the paperwork looks extremely legitimate. The problem is that because so many of us consumers will poor credit are having a hard time getting personal loans from common institutions, we fall easy into these traps. Lets thank God that we weren't taken for more. But the plan will be to stop this person (or persons, I am sure that he/she is not acting along.

Guest · Posted: Tue Jan 17, 2006 9:38 am Subject: Susan Miller Saga

As of yet, I have not received any money from these people. I am ordering a copy of the money order to find out exactly who or what "IPC" who cashed my money order. I also going to file charges, once I get legitimate names. People get scammed all the time, however; there are legimate ways to file complaints with the proper legal authorities. If everyone here could stay in touch, when I get the info I need, I will let everyone know. We will get these people as I am sure that he or she is not working alone.

Tenina · Posted: Tue Jan 17, 2006 4:12 pm Subject: Allaince Funding Corp

I to have been scamed, I sent in a $281.25 money order for an insur. policy to cover the loan, and have not received my funds..... I used to pride myself on trying so hard not to be had, but yet still I have been, these PEOPLE must be STOPPED at all cost, they prey on people with poor credit , I am thankful that if I had goten the money I was just going to blow it, take a trip get new furniture, and go shopping and pay the notes on time to rebuild my credit , this Sh*t really hurts. I hope for all of us who they have scammed can repaid, but I don't think so, but I will keep hoping and praying for the best.

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