Loan Shark

When I left school for medical leave last spring there was one big downside, besides the obvious fact of being a trimester behind in classes, but also all of my loans started into their deferment period.

Show Me The Money
When I signed up for classes this fall most of my loan companies put my loans back on deferment, with the exception of one.I am working with them now to get the issue resolved but it made me think that of all the posts that have been written on ‘The Dish’, to my knowledge there haven’t been much talk about financing your college tuition.

You CAN Go to That School
I have heard so many people say that they cannot go to the school that they want because it is too expensive.While I can certainly understand that you might be limited from a Ivy League school for your Ph.D where the cost of tuition is more than some homes, but you can go to any school you want.The first thing you need to do is go and file your FAFSA application.If you haven’t heard of FAFSA before, it is the federal program to help you obtain scholarships and federal loans.Once you have filed your FAFSA your school will inform you of what scholarships, awards, and federal loans you have received.Trust me, even if you don’t think you will get anything you should apply…you might be surprised!

Scholarships and Loans
If after that you still need assistance, there are countless numbers of scholarships to apply to.Try Fastweb for a quick and easy way to filter through thousands of scholarships and grants that you could apply to.The next step from there is to get a college loan.Most major banks offer college loans at a great rate but also ask your school for a list of companies that supply student loans to your school.Another thing about college loans that most students don’t know is that you can borrow more than just the cost of your tuition to help you with books, extra fees, and even living costs.

So, now you’re thinking; but what about after college?Don’t stress out just yet!There is a program called Income Based Repayment or IBR, that can help you reduce the monthly payment or even defer all payments.Another option is to consolidate you private loans, this can help to reduce your interest rate and even your monthly payment.If emergencies happen in your life, like losing your job or serious illness; most loan companies offer forbearances for a temporary time.

Don’t Give Up
Just remember that there are always ways to make any of your dreams happen, and that starts by attending college.Just because you think that college that you would love to attend is too expensive for you, doesn’t mean you can’t make it happen.

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            Culinary Arts (AS)
            • Program areas include Culinary Arts, Culinary Management, and more
            • Students are taught cooking styles from around the globe, including Classical European, Asian, and Latin cuisine
            • Curriculum designed to prepare students for a career as a chef, with course topics that include Culinary Techniques, Management by Menu, and Nutrition
            • Alumni have appeared in reality competition shows such as Top Chef
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            Italian Culinary Experience
            • Hands-on culinary education with focused attention on each student
            • An ACCSC School of Excellence with multiple “Best Vocational Cooking School” awards*
            • 15,000 graduates, including celebrities like Bobby Flay, David Chang, and Christina Tosi*
            • Programs in Culinary Entrepreneurship, Professional Culinary Arts, Professional Pastry Arts, and much more
            • Campuses in New York and Silicon Valley with nearby housing available
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            Culinary Arts
            • Received the 2015 and 2013 “Cooking School of the Year” Award of Excellence from the International Association of Culinary Professionals (IACP).
            • Accredited by the Accrediting Commission of Career Schools and Colleges (ACCSC).
            • Externship opportunities are available at numerous famous New York City restaurants.
            • Campus is located near downtown Manhattan, within walking distance of many popular attractions such as the Radio City Music Hall.
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            • Flexible Scheduling
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