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Payday Loan in North Dakota

    I am about to graduate and want to go get my masters but i am very nervous about money. all my 5 yrs as an undergrad is all loans my parents could not pay for anything. i am planning to graduate this spring and work for a year to get experience under my belt. but i want to go back to school to get my masters asap. i know that 6 months after graduating you have to start paying back your loans, but does it stop once you are a student again in your masters?...as i said before i really dont have any money so i am trying to find any loopholes i can with money and grad school. i am thinking getting my North Dakota abroad, i heard they only need 1 yr and is about $800 where in North Dakota it is 2 yrs for about $12 each year. any advice? if i get my masters abroad in europe or australia does it still equal as a North Dakota in the states? thanks! -struggling student

    Federal students loans remain in deferral (you don't make payments) as long as you're enrolled in at least 6 semester hours of courses. You'd be in at least 6 hours for most master's degree programs. Then you get a 6 month grace after you've done the 6 hours per semester. Private loans may or may not stay in deferral, it depends on your lender. Most will. [that 6 hours doesn't have to be in a master's program - it can be in any accredited college/university at any level] But, interest on unsubsidized loans will continue to accrue to your loan while it's deferred. That means you'll owe more money when you start paying because you're not paying interest right now. Accruing interest on your loan is bad because it's money you owe but that you didn't get anything (except some time without payments) for. You really want to at least pay the accruing interest each year. Let's not call them "loopholes" - it's how the programs are designed and intended. And, there are a lot of options to work with when dealing with your loans - especially federal student loans. There are forebearances, deferments, repayment plans, forgiveness programs, etc... that can get really complicated but can benefit you greatly. The key is to work with your lenders BEFORE you have trouble paying them. A good personal financial adviser that works with student loans is well worth the small investment to develop the best plan to suit your needs. We're easily talking about more money than anything else you'll buy these days. As for the master's: First clarify why you want to get a master's degree. The percentage of jobs out there that need one is small and most aren't entry-level. Then decide whether you can get one for free. Most of the academic master's programs will fund their students to some degree. Professional master's typically won't. A master's degree requires 30-60 hours depending on your field of study. That's 1-3 years full-time. The typical North Dakota is only 1 to 1.5 years (36 hours). If you're just looking to defer your loans by staying in school then finding the shortest program doesn't accomplish that for very long. Finding the cheapest program (preferably paid for by someone else) is the better option and that's likely to be at your state college on one of the campuses with a cardinal direction in the name such as Eastern Yourstate University. Most European master's degrees are considered equivalent to a US master's. Many operate on an entirely different model that your US bachelor's hasn't prepared you for though. They also tend to take about the same amount of time as their equivalent in the US.

    To answer the first part of your question, most lender will allow you to defer your loans if you are a full time graduate student. You should double check though by visiting the lenders website or calling them. As far as studying abroad, you need to verify that the program is accredited. For example, if you were studying for a Masters in Business Administration, you need to check to see if the program is accredited by The Association to Advance Collegiate Schools of Business (AACSB). Another example would be if you were studying social work, you would need to check its accreditation with the Council on Social Work Education (CSWE). I'm not sure what degree you want to study, but you should check to see what are the accreditation standards are for your field. If you get a degree that isn't accredited, you could be wasting your time and money.

    Thankyou! valuable information and this offers me better insight on the subject

    Thank you for the replies, very much appreciated!

I need help from a Walmart Cashier!!! Please help! 10PTS.?

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