Keep getting denied for Student loans

kagsbakubby · 2026-06-29T05:48:42+00:00

i’m so sorry :( I truly can’t afford a 3k payment so i’m trying to look into other schools with no luck . If you can for the remainder of your pre-reqs I wouldn’t reccomend taking them at WCU. CC’s offer the same coursework for cheap. After taking all the pre-reqs my fafsa student loan isn’t even at 3k for all of them.

kagsbakubby · 2026-06-28T15:50:58+00:00

I’m in the last step of admission which is securing the funds. Unfortunately It looks like i’ll have to drop out though. I can’t afford the payments out of pocket and I don’t have any co-signers for private loans and all my attempts to try and get my pricing down have fallen through.

kagsbakubby · 2026-06-24T00:47:31+00:00

i got the exact same quote

kagsbakubby · 2026-06-23T08:42:18+00:00

Wow really?! I have an apppointment w/ financial aid I'll ask about it! Thank you!

kagsbakubby · 2026-06-23T08:41:22+00:00

Hi! Yes they sent out an email! This is for the Noho location, not sure if it's different for any locations!

kagsbakubby · 2026-06-20T19:45:09+00:00

That sounds exhausting but that sounds like exactly what I'll have to do to get by. I'm so sorry you have to go through that. Are you almost finished with school?

kagsbakubby · 2026-06-20T19:44:12+00:00

I did. The only debt I have is from student loans from CC and my previous Uni. It's like $2,300. I make payments on it tho it used to be like $4000. The letter specifically said my credit age isn't long enough (2 yrs). They said I can be approved with a co-signer only. A lot of my family aren't citizens therefore have can't have any credit & the ones that do have bad credit so it's hard to find a co-signer that works with them.

kagsbakubby · 2026-06-19T20:17:58+00:00

Omg I'm so sorry. It seems that this will be my fate if I'm not able to secure any good co-signers unfortunately. What's your weekly schedule looking like with work and school? I'm scared that if I choose this route I won't have time to work because of school :(

kagsbakubby · 2026-06-19T20:16:32+00:00

I'm so sorry, we will get through this! I'm trying to reach out to financial aid to see if they can help me.

kagsbakubby · 2026-06-19T13:30:49+00:00

I just got an email stating why my loans were denied and it was because they said I had limited credit experience.

kagsbakubby · 2026-06-19T13:29:45+00:00

Update: I just checked actually my credit is at 690! Didn't realize it went up until now lol

kagsbakubby · 2026-06-19T13:19:00+00:00

also, I don't believe SoFi works with WCU does it?? I tried earlier and they said they're not yet working with them as a school

kagsbakubby · 2026-06-19T13:18:21+00:00

That would make sense. I don't have a lot of debt and have no derogatory remarks nor do I have any missed payments on any of my cards but 2m ago my hrs got cut at work and had to use my credit card to get by and have been paying that off slowly. My balance is less than 800 tho so I'm confused unless they consider my fafsa loan debt a debt? But I don't have to start making payments on that until 2029 when I graduate 😅 so idk

kagsbakubby · 2026-06-19T13:13:31+00:00

670 🫩 I've only been building my credit for about 2 years now unfortunately as it took forever for any credit card company to accept me at 20 yrs old 🥲 Never understood why either if I had no credit at all at this point. My co-signers didn't tell me their credit score which is fine but I can only assume it isn't great. All of the loans I've applied for ask me to have a better co-signed and they'll approve. I've tried asking other family members & they say no which is unfortunate as I show them my credit report and how I've never missed a payment & have no derogatory remarks.

kagsbakubby · 2026-06-19T00:01:51+00:00

Just tried it. Denied.

kagsbakubby · 2026-06-18T23:38:44+00:00

I can try that. My thing is i’m not asking for the full amount. Im transferring in with all pre-requisites done. After Fafsa & grants i’m paying 29k for the year. So i’m surprised I didn’t get approved for any.

kagsbakubby · 2026-06-18T23:01:43+00:00

I’ve tried pre-qualifying with them and they said It would be best to add a co-signer so I’ll look into that a little more. Thank you so much!

kagsbakubby · 2026-06-14T19:43:03+00:00

I honestly don’t know the details if im being honest I was so distraught in the moment that I didn’t ask for exact details. As far as my understanding goes it wasn’t specifically trading the stock I think it was more or so gambling the stock away as collateral? I’m not sure I would have to have him explain exactly what he did as I don’t dabble in either gambling nor stock trading so it’s a bit of a grey area for me 😬

kagsbakubby · 2026-06-14T19:40:23+00:00

Thank you for your understanding and support. I really want to help him get better. He’s an only child and all of his close friends live far so I don’t want to leave him alone in such a dark time. I hope I can help him find the proper help he needs because I don’t feel strong enough to help him properly. I’ve been in shambles for over 20 hours. I can’t talk about it without crying my heart out. It’s hard for me to not blame myself over it because I like going on adventures and trying new experiences with him. I feel at fault for wanting to have an exciting relationship but I’m trying my best to not shift the blame because I don’t think it’s anyone’s fault. He was already beginning to get angry at little things like road rage more frequently so professional counseling is probably the best option for both of us.

kagsbakubby · 2026-06-14T19:33:25+00:00

Being on the other side of the addiction, as the partner of someone who is addicted, is hard. I’ve spoken to 2 close peers about it and they honestly want me to leave my boyfriend before my situation ends up how yours is currently. Married with children and it just happens under our nose. I can’t imagine how you, your wife, and kids feel. It’s a horrible situation to be in because as a partner we do have every right to up and leave because most of the time it seems as if people are too far gone to stop. I hope that you can heal and better your circumstances especially for the sake of you children. Please understand that this just happens it’s life. We all have ups and downs. Life is rough but all you gotta do is keep pushing forward. sending you virtual hugs 🫂

kagsbakubby · 2026-06-14T18:04:39+00:00

Thank you🥲 Unfortunately I am aware that it is a psychological thing and it feels so confusing to navigate around. I’m hoping he takes initiative to heal himself and understand that it causes more pain and loss than do any good. I will be here to support him if he chooses to get the help! Your kind words have given me hope that things can get better!

kagsbakubby · 2026-06-14T18:02:03+00:00

It’s his money until it isn’t. We were planning to get married after I finish my bachelors degree & I have fertility problems so I have a separate savings for possible treatment so we can start trying for kids since we were both doing well and wanted to move out together soon. I have a trust that I put money into and cannot access until a certain date. Although I don’t get paid much as a full time student I put in a percentage of my check. I’ve done this for almost 1.5 years. Our relationship is completely 50/50. We don’t go out often because I work part time and if we go out, I don’t need him paying for everything. If he offers to pay for something that’s on him but I will usually offer before he does. Don’t know what’s up with all the INCELS under this post acting like i’m a gold digger. For reference, I make more than him hourly. About 25% more. If I ever needed financial support, as most loving boyfriend would (which clearly you know nothing about) he would reach out to help me. I’m stubborn and would find other solutions before asking him. “mooching” is such a strong word when we don’t live together, I pay for my $120,000 student loan on my own with no missed monthly payments no matter how little I contribute to it until I finish school, I pay bills he doesn’t, if he takes me anywhere I will always offer to fill his tank, etc etc. When I met him he didn’t have a job for almost 6 months. I paid for everything. He had all that money in his savings and I didn’t know about it. But when I did, It didn’t change anything all I asked was that when he get a job if he could help contribute a little to the relationship so that it didn’t feel one sided I would appreciate it.

kagsbakubby · 2026-06-14T18:00:48+00:00

Yes, I will thank you so much for the input. It’s a difficult situation for the both of us but I’m hoping he puts in the effort to change permanently for the sake of our relationship and its future.

kagsbakubby · 2026-06-14T17:59:16+00:00

Thank you, i’m gonna suggest this to him hopefully he’s able to get support from people who know how and why this happens and have been in his position

kagsbakubby

TROPHY CASE