AboutBill Bauer Expertise I can answer questions about debt and debt management. I can also answer questions related to collection agencies, abusive debt collection practices and how to defeat them using the federal court system.
Experience I have been helping people with debt related problems, mortgage forclosures, credit card debt and most other types of debt and collections problems for more than 20 years.
Organizations Jurisdictionary, J-accuse
Education/Credentials Paralegal and practical training and education My web sites have been on the internet for about 10 years and have been very instrumental in helping hundreds of people resolve their debt related problems which have ranged from simple solutions such as the sending of a creditwrench debt validation letter to more complex solutions such as filing lawsuits against debt collectors in federal court. Our students have been very successful indeed. One student has filed more than 40 federal lawsuits and lost only one. Another student has filed multiple suits and has never lost a single one. We have two types of courses available for our students. The first and most basic teaches how to gather evidence of wrong doing by debt collectors which can be used against them in court if need be which it usually isn't. If you would like to become a creditwrench student all you have to do is call me at 405-616-7901 and start your learning process with our series of powerful anti-collection letters. You can also visit our web site at http://www.creditwrench.com and you can visit our message board at http://consumers.creditwrench.com and you can also join in our regular Friday night conference calls and discuss your problems with our students.
There wasn't an expert listed under the Financial Aid category in Education, so I was hoping you may be able to offer some advice in that category.
I'm currently attending a Community College. I've done everything possible to avoid taking out a student loan - which includes taking only a few courses at a time and in turn more than doubling the length of time it will take to graduate. Next year I'll (finally) have my Associates and be ready to transfer to a University, but I'll probably have to limit my classes to one per semester to keep it affordable. I already work two jobs to stay afloat.
I'm 22 years old and no one has claimed me as a dependent in several years. I have been living on my own since I was 17. I receive no financial help from my parents or a significant other. However, I do not qualify for financial aid in the state of Virginia. Apparently, even at my age the state still takes into account your parents' income. After doing a little digging, I learned that you pretty much have to have children already or be in the military in order for your finances to be considered separate from your parents (up to the age of 24)... which makes absolutely no sense to me. Because my grades are not above average and I don't attend full-time, I don't qualify for any scholarships.
So I guess my question is - are my only options really giving in and applying for student loans, or waiting until I'm 24 to continue my education? I'm terrified of being in debt and had wished to avoid student loans at all costs. I also don't want to wait years to be able to finish school and start a career.
Thanks in advance for any information you can provide. I really appreciate it!
Answer I really don't have any answers for you either. You just have to figure out what your goals are and how long it will take you to get them accomplished without going into debt versus getting them accomplished by going into debt and then figure out what the cost would be to go into debt and decide what is the best course of action consistent with your goals.
