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Refused a student loan

  • 09-07-2009 3:16pm
    #1
    *littlestar*
    Registered Users, Registered Users 2 Posts: 30 ✭


    Just got refused a loan for a postgrad course I got accepted to. Rents went guarantor and everything. I worked my ass off to get onto it and feel like a brick wall has been put up in front of me.

    Bank werent sympathetic at all and I really dont know what to do now. Anyone else experience anything similar to this?
    Tagged:


Comments

  • #2
    moretothegirl
    Registered Users, Registered Users 2 Posts: 631 ✭✭✭moretothegirl


    go to the credit union, theyre known for giving out loans much easier


  • #3
    *littlestar*
    Registered Users, Registered Users 2 Posts: 30 ✭*littlestar*


    I don't have an account with them though, is this a problem? And will I have to make repayments straight away? The bank were offering a deferred payment option to me.


  • #4
    moretothegirl
    Registered Users, Registered Users 2 Posts: 631 ✭✭✭moretothegirl


    *littlestar* wrote: »
    I don't have an account with them though, is this a problem? And will I have to make repayments straight away? The bank were offering a deferred payment option to me.

    im actually not sure to be honest but its definitely worth giving them a call to find out. im really sorry you've reached this wall, its so irritating when you should be excited about this prospect rather than worrying about money. im sure you'll sort it out somehow however and it will be worth it then :)


  • #5
    *littlestar*
    Registered Users, Registered Users 2 Posts: 30 ✭*littlestar*


    Thanks for that :) I'm going to try another bank and just lay all my cards on the table and hope they come through! I have nothing to lose at this stage I guess. I wouldnt mind if it was a car loan or something material but feels like its pretty much my future on the line...


  • #6
    Chiaki
    Registered Users, Registered Users 2 Posts: 99 ✭✭Chiaki


    im in the same boat, ive been accepted to a course ide been praying for and now the same brick financial wall. I dont know if i can get a deferral but after the credit union thats my last option!


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  • #7
    snappieT
    Registered Users, Registered Users 2 Posts: 3,357 ✭✭✭snappieT


    If they won't offer a deferral, just increase the loan by the amount of payments you won't be able to pay. Then you can use the loan to pay for the loan, for the first few payments anyway. Effectively a deferral.


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