In case anyone was curious...

gurisudenko · September 8th, 2004, 22:09

If any of you remember how I was panicking a few weeks ago over the ERAU/Private Loan issue, here's what has happened since then:

Two days before I was to arrive at the Embry-Riddle Prescott campus, my sister informed me she was not going to get the new job at my old college that would be able to help pay my monthly tuition payments of approximately $1800. She was convinced for about a month that she had the job, but it turned out they hired someone else and tried to trick her into still teaching classes anyway. I have no idea how that worked out, but we both agreed that the way the administration handled this was very underhanded (longer story than this).

So it was Monday and I had a bill of $1800 due on Friday. $1810.42, to be exact. This is for the flex-payment option I had set up with Sallie Mae Services to make ERAU's total cost not so harsh. I called my father. He had told me he couldn't co-sign for a loan about a month earlier as he was refinancing his car and his home. I had tried applying for other loans both myself and with other co-signers all summer, with no luck. My dad, seeing that this was my last hope, co-signed for a loan. He was denied. I then contacted my financial aid counselor at ERAU and let her know what was going on. I asked if I had any other options. I had nothing left. I asked about withdrawal procedures, withdrew, and carried on. On Friday, though, I remembered my bill was due for the Sallie Mae payment. I thought ERAU had cancelled the plan along with everything else, but such was not the case. Subsequently there came many days calling my bank and Sallie Mae. Sallie Mae was able to cancel my plan but could do nothing about the August payment since it was already processing. I had my bank put three stop payments on the bill, including a stop payment that was all electronic except for the physical destruction of my debit card! Even after all of that, my available balance was near the -2000 range! That was quite a sight! I called around again in a panic and ERAU took responsibility, and is in the process of refunding me.

Hey, I almost pulled it all off and went to ERAU! [img]/ubbthreads/images/graemlins/laugh.gif[/img] But due to the sudden circumstances, I just couldn't afford it. That was a crazy line of circumstances, too.

All the while, I had never even looked at Arizona State University's flight program. After playing around with a calculator for quite some time, it looks like I can do it. Flight training is inherently expensive, but if I use the academic environment to my advantage and garner institutional grants and scholarships, I may not even have to pay anything back after all is said and done!

So I'm in the process of applying to ASU, and should start my first classes in January. I'll keep you guys updated! [img]/ubbthreads/images/graemlins/spin2.gif[/img]

RPM · September 8th, 2004, 22:21

Good luck at ASU....it was probably for the best anyway, no need to rack up all that debt at Riddle if you can go to ASU and come out debt free. [img]/ubbthreads/images/graemlins/smile.gif[/img]

RiddlePilot · September 8th, 2004, 23:18

Best of luck to you. ERAU is overrated anyways. [img]/ubbthreads/images/graemlins/wink.gif[/img]

Yes, I understand the irony seeing as how I'm in my 4th year...[img]/ubbthreads/images/graemlins/crazy.gif[/img]

kellwolf · September 8th, 2004, 23:30

Ditto what RiddlePilot said. I was gonna go to the DAB campus, but there was no way I could afford it. I withdrew about two weeks before classes started. ASU has a good program (MissedApproach on here is in it), and I might even see ya swapping airplanes b/w ASU and MAPD.

mpenguin1 · September 8th, 2004, 23:52

Good luck to ya, keep it up, when you get your butt up in the sky, it will make it taste that much
sweeter...

kellwolf · September 8th, 2004, 23:54

[ QUOTE ]
when you get your butt up in the sky, it will make it taste that much
sweeter...

[/ QUOTE ]

Mike, that one's ALL YOURS. [img]/ubbthreads/images/graemlins/smile.gif[/img]

RiddlePilot · September 8th, 2004, 23:57

[ QUOTE ]
Good luck to ya, keep it up, when you get your butt up in the sky, it will make it taste that much
sweeter...

[/ QUOTE ]

Dangling modifiers are harsh mistresses. [img]/ubbthreads/images/graemlins/smile.gif[/img]

mastermags · September 9th, 2004, 00:03

LMAO [img]/ubbthreads/images/graemlins/cwm27.gif[/img]

mtsu_av8er · September 9th, 2004, 00:27

[ QUOTE ]
Good luck to ya, keep it up, when you get your butt up in the sky, it will make it taste that much
sweeter...

[/ QUOTE ]

Mmmmm.... [img]/ubbthreads/images/graemlins/grin.gif[/img]

gurisudenko · September 9th, 2004, 00:42

HAHAHAHA!!!! [img]/ubbthreads/images/graemlins/spin2.gif[/img]

mpenguin1 · September 9th, 2004, 01:42

[ QUOTE ]
[ QUOTE ]
when you get your butt up in the sky, it will make it taste that much
sweeter...

[/ QUOTE ]

Mike, that one's ALL YOURS. [img]/ubbthreads/images/graemlins/smile.gif[/img]

[/ QUOTE ]

Dude, you know what I meant, sheesh, thanks for having my back..... [img]/ubbthreads/images/graemlins/insane.gif[/img]

Doug Taylor · September 9th, 2004, 01:47

Thanks for shaving your back, what? [img]/ubbthreads/images/graemlins/smile.gif[/img]

tonyw · September 9th, 2004, 01:49

And we all know it will be that much sweeter when you finally get up in the air. Plus, you can always work on your private ticket on the side before you get there.

Kristie · September 9th, 2004, 01:58

Sorry about you not being able to attend ERAU Cristl... but sometimes I think there are circumstances out there that point us in a totally new direction and usually, it's for the better! Glad to see your being proactive about it and not crying in spilt financial milk!! [img]/ubbthreads/images/graemlins/grin.gif[/img]

mpenguin1 · September 9th, 2004, 02:11

[ QUOTE ]
Thanks for shaving your back, what? [img]/ubbthreads/images/graemlins/smile.gif[/img]

[/ QUOTE ]

Well, glad everybody is having fun at my expense, HA! HA! HA!

Doug Taylor · September 9th, 2004, 02:11

We're not laughing AT you, Mpenguin, we're laughing WITH you! HAaaa!

MissedApproach · September 9th, 2004, 02:14

Glad to hear everything is working out for you cristl!
[ QUOTE ]
I may not even have to pay anything back after all is said and done!

[/ QUOTE ]Some people do manage. If you take initiative scholarships and grants are relatively easy to come by here.

If you have any questions or want me to show you around ASU and the flight line just drop me a PM.

Kristie · September 9th, 2004, 02:15

OH so true mon frere! [img]/ubbthreads/images/graemlins/grin.gif[/img]

rv7 · September 9th, 2004, 02:58

[ QUOTE ]
We're not laughing AT you, Mpenguin, we're laughing WITH you! HAaaa!

[/ QUOTE ]
Yeah, what he said...hahahahaha. Wait, what are we laughing at? [img]/ubbthreads/images/graemlins/insane.gif[/img]

Doug Taylor · September 9th, 2004, 03:01

I don't know. I just started vacation and am enjoying my frist Dos Equis lager. I'm liable to laugh at most anything.

gurisudenko · September 9th, 2004, 03:07

[img]/ubbthreads/images/graemlins/insane.gif[/img] <---Doug right now
[img]/ubbthreads/images/graemlins/buck.gif[/img] <---Doug in about an hour

Doug Taylor · September 9th, 2004, 03:17

[img]/ubbthreads/images/graemlins/smile.gif[/img]

Mavmb · September 9th, 2004, 13:43

Well the more money you can save on your way to becoming a pilot; the better off you will be. Why not just train at one of the little FBOs somewhere?

ready2fly · September 9th, 2004, 16:23

[ QUOTE ]
[ QUOTE ]
Good luck to ya, keep it up, when you get your butt up in the sky, it will make it taste that much
sweeter...

[/ QUOTE ]

Dangling modifiers are harsh mistresses. [img]/ubbthreads/images/graemlins/smile.gif[/img]

[/ QUOTE ]
LOL!!! [img]/ubbthreads/images/graemlins/grin.gif[/img]

gurisudenko · September 9th, 2004, 19:18

[ QUOTE ]
Well the more money you can save on your way to becoming a pilot; the better off you will be. Why not just train at one of the little FBOs somewhere?

[/ QUOTE ]

For most people from stable financial backgrounds, this would be a good idea. Unfortunately, I have never known much in the way of financial stability. I tend to thrive in academic environments and use my merit to pay for things I need to do, and to advance myself so that I won't meet that degree of instability again.

Take my sister, for example, who just had to go back down to Alabama a couple of weeks ago because she ran out of money in NY after a car accident. She then discovered she wasn't going to get the job she expected she would. Four days ago, she hopped on a bus in Alabama with $200 in her pocket and a bag of clothes. She arrived in Duluth, Minnesota and then went on to book a hotel and arrive at her new job at the University of Minnesota as a teaching assistant. She now also has a full scholarship for graduate studies in mathematics to work on her master's degree, and just secured an apartment by lake Superior! [img]/ubbthreads/images/graemlins/laugh.gif[/img]

The story can be way longer than that, but I'll spare ya this time! ...We have always used universities for mobility, motivation, and financial stability.

It would be a much easier and faster path in my personal case to get my training through ASU's program than to find a local FBO and train there. I'm eligible for tons more financial assistance in that light.

September 8th, 2004, 22:09	#1
gurisudenko Junior Member Join Date: Aug 2004 Location: Saint Cloud, MN USA Posts: 260	In case anyone was curious... If any of you remember how I was panicking a few weeks ago over the ERAU/Private Loan issue, here's what has happened since then: Two days before I was to arrive at the Embry-Riddle Prescott campus, my sister informed me she was not going to get the new job at my old college that would be able to help pay my monthly tuition payments of approximately $1800. She was convinced for about a month that she had the job, but it turned out they hired someone else and tried to trick her into still teaching classes anyway. I have no idea how that worked out, but we both agreed that the way the administration handled this was very underhanded (longer story than this). So it was Monday and I had a bill of $1800 due on Friday. $1810.42, to be exact. This is for the flex-payment option I had set up with Sallie Mae Services to make ERAU's total cost not so harsh. I called my father. He had told me he couldn't co-sign for a loan about a month earlier as he was refinancing his car and his home. I had tried applying for other loans both myself and with other co-signers all summer, with no luck. My dad, seeing that this was my last hope, co-signed for a loan. He was denied. I then contacted my financial aid counselor at ERAU and let her know what was going on. I asked if I had any other options. I had nothing left. I asked about withdrawal procedures, withdrew, and carried on. On Friday, though, I remembered my bill was due for the Sallie Mae payment. I thought ERAU had cancelled the plan along with everything else, but such was not the case. Subsequently there came many days calling my bank and Sallie Mae. Sallie Mae was able to cancel my plan but could do nothing about the August payment since it was already processing. I had my bank put three stop payments on the bill, including a stop payment that was all electronic except for the physical destruction of my debit card! Even after all of that, my available balance was near the -2000 range! That was quite a sight! I called around again in a panic and ERAU took responsibility, and is in the process of refunding me. Hey, I almost pulled it all off and went to ERAU! [img]/ubbthreads/images/graemlins/laugh.gif[/img] But due to the sudden circumstances, I just couldn't afford it. That was a crazy line of circumstances, too. All the while, I had never even looked at Arizona State University's flight program. After playing around with a calculator for quite some time, it looks like I can do it. Flight training is inherently expensive, but if I use the academic environment to my advantage and garner institutional grants and scholarships, I may not even have to pay anything back after all is said and done! So I'm in the process of applying to ASU, and should start my first classes in January. I'll keep you guys updated! [img]/ubbthreads/images/graemlins/spin2.gif[/img]

September 8th, 2004, 22:21	#2
RPM Senior Member Join Date: Nov 2003 Location: LAX Posts: 658	Re: In case anyone was curious... Good luck at ASU....it was probably for the best anyway, no need to rack up all that debt at Riddle if you can go to ASU and come out debt free. [img]/ubbthreads/images/graemlins/smile.gif[/img]

September 8th, 2004, 23:18	#3
RiddlePilot Senior Member Join Date: Apr 2003 Location: Prescott, AZ Posts: 928	Re: In case anyone was curious... Best of luck to you. ERAU is overrated anyways. [img]/ubbthreads/images/graemlins/wink.gif[/img] Yes, I understand the irony seeing as how I'm in my 4th year...[img]/ubbthreads/images/graemlins/crazy.gif[/img]

September 8th, 2004, 23:30	#4
kellwolf Old Skool Join Date: Jun 2003 Location: Memphis, TN Posts: 14,230	Re: In case anyone was curious... Ditto what RiddlePilot said. I was gonna go to the DAB campus, but there was no way I could afford it. I withdrew about two weeks before classes started. ASU has a good program (MissedApproach on here is in it), and I might even see ya swapping airplanes b/w ASU and MAPD.

September 8th, 2004, 23:52	#5
mpenguin1 Old Skool Join Date: Jun 2002 Location: Seattle Posts: 10,577 Blog Entries: 5	Re: In case anyone was curious... Good luck to ya, keep it up, when you get your butt up in the sky, it will make it taste that much sweeter...

September 8th, 2004, 23:54	#6
kellwolf Old Skool Join Date: Jun 2003 Location: Memphis, TN Posts: 14,230	Re: In case anyone was curious... [ QUOTE ] when you get your butt up in the sky, it will make it taste that much sweeter... [/ QUOTE ] Mike, that one's ALL YOURS. [img]/ubbthreads/images/graemlins/smile.gif[/img]

September 8th, 2004, 23:57	#7
RiddlePilot Senior Member Join Date: Apr 2003 Location: Prescott, AZ Posts: 928	Re: In case anyone was curious... [ QUOTE ] Good luck to ya, keep it up, when you get your butt up in the sky, it will make it taste that much sweeter... [/ QUOTE ] Dangling modifiers are harsh mistresses. [img]/ubbthreads/images/graemlins/smile.gif[/img]

September 9th, 2004, 00:03	#8
mastermags Senior Member Join Date: Apr 2003 Location: Atlanta, Ga Posts: 1,311	Re: In case anyone was curious... LMAO [img]/ubbthreads/images/graemlins/cwm27.gif[/img]

September 9th, 2004, 00:27	#9
mtsu_av8er Old Skool Join Date: Dec 2002 Location: Utopia Posts: 12,590	Re: In case anyone was curious... [ QUOTE ] Good luck to ya, keep it up, when you get your butt up in the sky, it will make it taste that much sweeter... [/ QUOTE ] Mmmmm.... [img]/ubbthreads/images/graemlins/grin.gif[/img]

September 9th, 2004, 00:42	#10
gurisudenko Junior Member Join Date: Aug 2004 Location: Saint Cloud, MN USA Posts: 260	Re: In case anyone was curious... HAHAHAHA!!!! [img]/ubbthreads/images/graemlins/spin2.gif[/img]

September 9th, 2004, 01:42	#11
mpenguin1 Old Skool Join Date: Jun 2002 Location: Seattle Posts: 10,577 Blog Entries: 5	Re: In case anyone was curious... [ QUOTE ] [ QUOTE ] when you get your butt up in the sky, it will make it taste that much sweeter... [/ QUOTE ] Mike, that one's ALL YOURS. [img]/ubbthreads/images/graemlins/smile.gif[/img] [/ QUOTE ] Dude, you know what I meant, sheesh, thanks for having my back..... [img]/ubbthreads/images/graemlins/insane.gif[/img]

September 9th, 2004, 01:47	#12
Doug Taylor Agent Smith Join Date: Dec 1969 Location: KSDL Posts: 41,926 Blog Entries: 1	Re: In case anyone was curious... Thanks for shaving your back, what? [img]/ubbthreads/images/graemlins/smile.gif[/img]

September 9th, 2004, 01:49	#13
tonyw Old Skool Join Date: May 2002 Location: Maryland Posts: 15,922	Re: In case anyone was curious... And we all know it will be that much sweeter when you finally get up in the air. Plus, you can always work on your private ticket on the side before you get there.

September 9th, 2004, 01:58	#14
Kristie Big Chief's Woman Join Date: Feb 2001 Location: Scottsdale, Arizona Posts: 19,288 Blog Entries: 3	Re: In case anyone was curious... Sorry about you not being able to attend ERAU Cristl... but sometimes I think there are circumstances out there that point us in a totally new direction and usually, it's for the better! Glad to see your being proactive about it and not crying in spilt financial milk!! [img]/ubbthreads/images/graemlins/grin.gif[/img]

September 9th, 2004, 02:11	#15
mpenguin1 Old Skool Join Date: Jun 2002 Location: Seattle Posts: 10,577 Blog Entries: 5	Re: In case anyone was curious... [ QUOTE ] Thanks for shaving your back, what? [img]/ubbthreads/images/graemlins/smile.gif[/img] [/ QUOTE ] Well, glad everybody is having fun at my expense, HA! HA! HA!

September 9th, 2004, 02:11	#16
Doug Taylor Agent Smith Join Date: Dec 1969 Location: KSDL Posts: 41,926 Blog Entries: 1	Re: In case anyone was curious... We're not laughing AT you, Mpenguin, we're laughing WITH you! HAaaa!

September 9th, 2004, 02:14	#17
MissedApproach Senior Member Join Date: Jan 2003 Location: Washington, DC Posts: 540	Re: In case anyone was curious... Glad to hear everything is working out for you cristl! [ QUOTE ] I may not even have to pay anything back after all is said and done! [/ QUOTE ]Some people do manage. If you take initiative scholarships and grants are relatively easy to come by here. If you have any questions or want me to show you around ASU and the flight line just drop me a PM.

September 9th, 2004, 02:15	#18
Kristie Big Chief's Woman Join Date: Feb 2001 Location: Scottsdale, Arizona Posts: 19,288 Blog Entries: 3	Re: In case anyone was curious... OH so true mon frere! [img]/ubbthreads/images/graemlins/grin.gif[/img]

September 9th, 2004, 02:58	#19
rv7 Junior Member Join Date: Dec 2003 Location: Tampa, FL Posts: 252	Re: In case anyone was curious... [ QUOTE ] We're not laughing AT you, Mpenguin, we're laughing WITH you! HAaaa! [/ QUOTE ] Yeah, what he said...hahahahaha. Wait, what are we laughing at? [img]/ubbthreads/images/graemlins/insane.gif[/img]

September 9th, 2004, 03:01	#20
Doug Taylor Agent Smith Join Date: Dec 1969 Location: KSDL Posts: 41,926 Blog Entries: 1	Re: In case anyone was curious... I don't know. I just started vacation and am enjoying my frist Dos Equis lager. I'm liable to laugh at most anything.

September 9th, 2004, 03:07	#21
gurisudenko Junior Member Join Date: Aug 2004 Location: Saint Cloud, MN USA Posts: 260	Re: In case anyone was curious... [img]/ubbthreads/images/graemlins/insane.gif[/img] <---Doug right now [img]/ubbthreads/images/graemlins/buck.gif[/img] <---Doug in about an hour

September 9th, 2004, 03:17	#22
Doug Taylor Agent Smith Join Date: Dec 1969 Location: KSDL Posts: 41,926 Blog Entries: 1	Re: In case anyone was curious... [img]/ubbthreads/images/graemlins/smile.gif[/img]

September 9th, 2004, 13:43	#23
Mavmb Old Skool Join Date: Feb 2002 Location: Phoenix, AZ Posts: 2,169	Re: In case anyone was curious... Well the more money you can save on your way to becoming a pilot; the better off you will be. Why not just train at one of the little FBOs somewhere?

September 9th, 2004, 16:23	#24
ready2fly Old Skool Join Date: Nov 2001 Location: DFW Posts: 7,373	Re: In case anyone was curious... [ QUOTE ] [ QUOTE ] Good luck to ya, keep it up, when you get your butt up in the sky, it will make it taste that much sweeter... [/ QUOTE ] Dangling modifiers are harsh mistresses. [img]/ubbthreads/images/graemlins/smile.gif[/img] [/ QUOTE ] LOL!!! [img]/ubbthreads/images/graemlins/grin.gif[/img]

September 9th, 2004, 19:18	#25
gurisudenko Junior Member Join Date: Aug 2004 Location: Saint Cloud, MN USA Posts: 260	Re: In case anyone was curious... [ QUOTE ] Well the more money you can save on your way to becoming a pilot; the better off you will be. Why not just train at one of the little FBOs somewhere? [/ QUOTE ] For most people from stable financial backgrounds, this would be a good idea. Unfortunately, I have never known much in the way of financial stability. I tend to thrive in academic environments and use my merit to pay for things I need to do, and to advance myself so that I won't meet that degree of instability again. Take my sister, for example, who just had to go back down to Alabama a couple of weeks ago because she ran out of money in NY after a car accident. She then discovered she wasn't going to get the job she expected she would. Four days ago, she hopped on a bus in Alabama with $200 in her pocket and a bag of clothes. She arrived in Duluth, Minnesota and then went on to book a hotel and arrive at her new job at the University of Minnesota as a teaching assistant. She now also has a full scholarship for graduate studies in mathematics to work on her master's degree, and just secured an apartment by lake Superior! [img]/ubbthreads/images/graemlins/laugh.gif[/img] The story can be way longer than that, but I'll spare ya this time! ...We have always used universities for mobility, motivation, and financial stability. It would be a much easier and faster path in my personal case to get my training through ASU's program than to find a local FBO and train there. I'm eligible for tons more financial assistance in that light.

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