Urgent situation, my financial supporting for education has been already draught. In other words, I have no more money to pay the tuition fee from the second semester, which is very bad situation for me. Because of this situation that I have, I've been under the stress of how to rise money to pay the huge amount of tuition fee every single day. In order to clear my head of finding the answer, I went to the school financial aid office. The first and main question was obviously if I am eligible to get a student loan. The answer was no; however as long as I applied the loan with an American citizen cosigner, the answer would be yes. That is why I have a big subtitle of looking for a cosigner.
Today is April 1st. I have exactly one month left before one quarter of next semester payment due, which is $4040. Even if I am working somewhere, I could not come up with that much money in a month, so the solution, the only solution, would be the student loan. Even now, I am not really sure who could trust me because this is involved the money. Money, it is power full object in human society. it can make people poor and rich. It can make anything dirty and ugly. However, the reason of borrowing money from a bank is clearly for education. I remember watching CNN news one day. Due to financial crisis, many students have been trouble with paying tuition fee, just like me. These students are luckily American citizens, so they can get loans from a bank or a government fund. In my case, I am still a Korean who studies in US. Most international students who study in US are financially supported from his or her parents, so do I. I do not want to get pity from people about my situation, yet I would like to let people know what situation that I have right now in order to be honest with a possible cosigner. I have a single mother and a sister who just got married last year. My father died from leukemia and other cancer last year. My family has a lot of debts from my father's business broken down and his treatments at the hospital. I fully understood what kind of situation that I have, but I always felt that I really need formal education; therefore, I am here at Culinary Institute of America.
My savings were ran out long times ago. Due to financial crisis, my mother's real estate business has been on the down hill; no one wanted to buy or sell, not even lease. Although she thought she could afford my education at the first time, she can't do anything now.
I've thought that I should pulse the study until I could save some money to pay the tuition fee, but it is very unclear plan. Even though studying at CIA would not be all the answer of everything, I strongly believe that I really need to study for my future. Better education equals to better future, isn't it?
Here is the information that I found. This financial company is the only one actually offers the student loan to the international students. https://opennet.salliemae.com/private/#header
it says about the international students-
-What documentation is required for foreign students?Foreign students must submit a copy of one of the following:
Student Visa. If the student is already in the U.S., and the expiration date on the student visa has occurred, we require an I-94 with an expiration date in the future.
Copy of a valid passport with photo and Current CIS Form I-94 (Arrival/Departure Record) designated with any of the following classifications:
F-1 and D/S; J-1 and D/S; M-1 and D/S; or H1B,
Public Interest Parolee (PIP)
Asylum status granted indefinitely
Refugee status granted indefinitely
Current CIS Form I-688 B or I-766 (Employment Authorization) which entitles the student to work and attend school in the U.S.Foreign students must also apply with a creditworthy cosigner who is a U.S. citizen or permanent resident.
Finding a cosigner will be tough, but I will keep trying. Only thing that I can offer to the cosigner is to pay $500 per year till pay off all the loan. Once the B block session is finished, I ca work on the campus, so that I could pay the person. The amount of yearly payment is also negotiable. So far, I believe I should pay off the loan in ten years after graduating. Therefore three more years in the school and ten years period together, I have to pay $500 for 13 years from next year. In the other words, the cosigner can earn from me $6500 in 13 years only because of signing the loan application.
I believe myself that I really need to study here, so please if there is anyone out there has a good credit, can trust my passion of study, and wants to earn some money. I am always willing to open for the discussion. Another offer from me is actually to borrow money which has 3% of interests until fully amount has been paid off. I really need $100,000 for education.
Please, help me.
here is more information of the student loan from same financial company
https://opennet.salliemae.com/Security/?EntryPointName=DisplayCMSContent&SessionID=&TimeStamp=23:39:20&Channel=FAQ&FAQType=PCO&UserType=BORROWER
https://opennet.salliemae.com/Security/?EntryPointName=DisplayCMSContent&SessionID=&TimeStamp=21:48:1&Channel=FAQ&FAQType=EligBorrow&UserType=BORROWER
https://opennet.salliemae.com/Security/?EntryPointName=DisplayCMSContent&SessionID=&TimeStamp=23:55:51&Channel=FAQ&FAQType=RatesAndFees&UserType=BORROWER
https://opennet.salliemae.com/Security/?EntryPointName=DisplayCMSContent&SessionID=&TimeStamp=23:56:12&Channel=FAQ&FAQType=PrivateEdLoans&UserType=BORROWER
https://opennet.salliemae.com/Security/?EntryPointName=DisplayCMSContent&SessionID=&TimeStamp=23:56:33&Channel=FAQ&FAQType=AboutSM&UserType=BORROWER
Thursday, April 2, 2009
Monday, March 30, 2009
Sunday, March 29, 2009
New York
I've lived in New York for almost two years. I now live upper state of New York, so I sometimes miss the time in New York city. I wanted to take more pitures before making this movie clip, yet I normaly don't have much free time nowadays since I study on weekdays and work on weekends. Anyway, enjoy this movie clip even though the film is quite short.
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