Oh, PC! Emily wanted me to ask (well, and I want to know too), would you be interested in coming down to Troy on Saturday the 22nd? We'll be there, but pretty much just for the day.
Yes! Ohmigod! Someone's blondie bear's a twenty-question genius!
Harmony ,'Help'
Spike's Bitches 21 Gunn Salute
[NAFDA] Spike-centric discussion. Lusty, lewd (only occasionally crude), risque (and frisque), bawdy (Oh, lawdy!), flirty ('cuz we're purty), raunchy talk inside. Caveat lector.
vw bug - Jan 10, 2005 12:32:55 pm PST #2858 of 10002
Mostly lurking...
Polter-Cow - Jan 10, 2005 12:34:57 pm PST #2859 of 10002
What else besides ramen can you scoop? YOU CAN SCOOP THIS WORLD FROM DARKNESS!
Oh! Ooh. Huh. I don't see why not, since I have no plans that I know of. I actually have a friend who lives in Troy. Maybe I can work something out. I have no transportation of my own.
Sparky1 - Jan 10, 2005 12:42:46 pm PST #2860 of 10002
Librarian Warlord
Does that mean that it costs 3% of that every month until I pay it back?
You pay the (average daily balance of what you owe) x (the interest rate) x (days between payments).
I can do money math. Now if I could only spin straw into gold, I'd be able to afford to buy a house.
DavidS - Jan 10, 2005 12:46:38 pm PST #2861 of 10002
"Look, son, if it's good enough for Shirley Bassey, it's good enough for you."
Hec, I'm getting my hair cut tomorrow. Just thought I should let you know.
You are so thoughtful.
Also, I'm going to pick up some copper blond [link] to dye my hair.
Good choice.
I'm all excited.
What a coincidence...
I haven't had reddish hair for a while. It'll be fun!
Yay! Fun! (msbelle TM)
brenda m - Jan 10, 2005 12:47:40 pm PST #2862 of 10002
If you're going through hell/keep on going/don't slow down/keep your fear from showing/you might be gone/'fore the devil even knows you're there
But the 3% is annual, not monthly, PC. Or at least I hope to dog it is or you're getting seriously screwed.
Topic!Cindy - Jan 10, 2005 12:48:51 pm PST #2863 of 10002
What is even happening?
Well, and as you pay, some of your payment is applied to the principle, so the amount that accrues interest is decreasing.
Polter-Cow - Jan 10, 2005 12:49:27 pm PST #2864 of 10002
What else besides ramen can you scoop? YOU CAN SCOOP THIS WORLD FROM DARKNESS!
You pay the (average daily balance of what you owe)
I don't understand this part. Unless it's the loan amount divided by the days I'm in school, and this number remains fixed.
(days between payments).
What about while I'm in school, not making payments?
But the 3% is annual, not monthly, PC. Or at least I hope to dog it is or you're getting seriously screwed.
I thought it was per year, but I think the financial aid counselor said per month. Maybe I misunderstood her because yeah. Per year sounds more reasonable.
Sparky1 - Jan 10, 2005 12:54:49 pm PST #2865 of 10002
Librarian Warlord
Unless it's the loan amount divided by the days I'm in school, and this number remains fixed.
See what Cindy said:
some of your payment is applied to the principle, so the amount that accrues interest is decreasing.
What about while I'm in school, not making payments?
Depends on the terms of your loan, and when the interest begins to accrue. Some of them start when the money was disbursed, some have a grace period.
It is an annual interest rate.
vw bug - Jan 10, 2005 12:57:59 pm PST #2866 of 10002
Mostly lurking...
Glad other people are here to explain the loan thing. I understand, but I'm not sure I could explain.
PC, I'll drop you an e-mail or something, and we can try to make plans.
SailAweigh - Jan 10, 2005 1:06:33 pm PST #2867 of 10002
Nana korobi, ya oki. (Fall down seven times, stand up eight.) ~Yuzuru Hanyu/Japanese proverb
Is your loan through a private lender or is it a Stafford Loan, P-C? Subsidized Stafford Loans are deferred until 6 months after you complete your schooling. Unsubsidized Stafford Loans, you can choose to pay the interest while you're in school, but you don't have to pay the principal. You can also choose not to pay the interest, but then it is added to the principal balance and inceases the overall amount of your loan. A lot of options there.