essay121 Essays - Finance, Money, Economy, Free Essays, Term Papers

essay121 Essays - Finance, Money, Economy, Free Essays, Term Papers I was accepted into the Dental Hygiene Program at Howard for fall 2016. I am independent resident in the District of Columbia and work to support myself. I have been applying to grants, scholarships, and loans since I submitted my application to the program back in February 2016 . I have not received approval on any grants, scholarships, and loans as of September 30, 2017 . I currently have a bachelors and I am paying off my student loans to Great Lakes and Virginia Commonwealth University (Heartland Loan). I have used up my Pell Grant eligibility and my Federal Aid has only awarded me 12500.00 for the 2016-2017 school year. I have reached out to my mother for her help to cosign on any type of loan but she has declined due to her already putting money towards my undergraduate degree. I have reach ed out to my brother as well and he is not in a position to cosign for me. I went to my Wells Fargo bank on April 25, 2016 when I found out I was wait-listed for the Hygiene program. I applied for a student loan and was denied due to my credit report . When I graduated in 2013, I faced a financial hardship from being unemployed and was unable to make payments on my credit card from Wells Fargo or make payments on student loans. I didn't pay off the credit card in full and start making payments on my loans to rebuild my credit until 2015. I still have the charge off on my account even though the debt has been paid off. This has made it very difficult for me to get approved for loans, even private loans with high interest rates. I have applied to Sallie Mae an d Sofi for student loans and have been sent denial letters on August 10, 2016 and October 1, 2017 . I have exhausted all of my options and even request that Trans Union mail me a letter stating my debt has been paid off to reapply to more loans. This is my second time applying to Howard's competitive Hygiene program with only 10 seats for this semester. I have worked so hard to get into this program but unfortunately I did not have enough aid to continue the program and was forced to withdraw after fall semester. The director has held my seat to return this Fall and I am currently enrolled. My remaining balance for this semester after estimated aid is $6,558.00. Obtaining this degree means so much to me and I would greatly appreciate any help.