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Student Loan

  • 14-03-2012 6:14pm
    #1
    whatislife
    Registered Users, Registered Users 2 Posts: 140 ✭✭


    Is there any bank that offers the service of a student loan whereby you start paying back once you have graduated and got a job?

    cheers


Comments

  • #2
    Cravez
    Registered Users, Registered Users 2 Posts: 3,031 ✭✭✭Cravez


    Similar to the UK loan system? Nothing like that here at the moment I'm afraid, pretty much all the Student Loans from banks are fixed term/rate loans which start repaying as soon as you take the loan out. Credit Unions have a bit more flexibility in arranging repayments but still we have nothing like the UK system here at the moment. Have a shop around though anyway for options


  • #3
    Local_Chap
    Registered Users, Registered Users 2 Posts: 574 ✭✭✭Local_Chap


    You can get an overdraft with Ulster Bank if your a student, up to €1000 and dont have to pay it back (interest free) until a year after you graduate


  • #4
    fairweather
    Registered Users, Registered Users 2 Posts: 24 ✭fairweather


    if you are doing a post grad course in scotland can you apply for student loan there?


  • #5
    ralphding23
    Registered Users, Registered Users 2 Posts: 17 ✭ralphding23


    What banks have people been successful with in securing a loan?


  • #6
    TheReverend
    Registered Users, Registered Users 2 Posts: 710 ✭✭✭TheReverend


    Bank of Ireland are currently doing student loans to help pay the registration fees


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  • #7
    ralphding23
    Registered Users, Registered Users 2 Posts: 17 ✭ralphding23


    what about living costs - accommodation etc?


  • #8
    TheReverend
    Registered Users, Registered Users 2 Posts: 710 ✭✭✭TheReverend


    ralphding23 wrote: »
    what about living costs - accommodation etc?

    No unfortunatly, its a loan of 11250 taken out in 2250 tranches over 5 years


  • #9
    ryanmj
    Registered Users, Registered Users 2 Posts: 28 ✭ryanmj


    I got a loan through AIB for 10k. They told me they were only giving out loans to people with guarantors, which I had. I took it out to do a masters so for the first 18months I have to make interest only payments roughly €20 a week.


  • #10
    longhalloween
    Closed Accounts Posts: 2,207 ✭✭✭longhalloween


    Ulster Bank loans are 6.85% variable here:

    http://www.ulsterbank.ie/roi/personal/daily-banking/current-accounts/student-graduate-accounts/student.ashx

    My local credit union quoted me 10.2%


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