<p>So, considering the state of our current economy I am quite nervous about paying for college. I am 24 years old and have been working full time at the same place for over 4 years. At first, the job helped with school because they pay for it. But now it is getting in the way. I haven’t taken a course in almost 2 years due to my change in hours. I decided to remain there a little longer in order to pay off what little debt I had left, but now I am terrified to leave. I am concerned about finding another job with flexible hours, keeping myself afloat on a reduced income, etc considering the economy. Plus, I really don’t understand how to get loans for school or what to do if the loans don’t fully cover the costs (my work has paid 100% so far). I don’t understand the different types of loans or when to apply for them. I am only in a community college right now and am 15 units away from transferring to a university. My undergrad is philosophy and I am also premed. </p>
<p>So, I was hoping to find out how the loan process works, how the current economy has impacted getting student loans, how your credit score impacts student loans, etc. Anything you might be able to share would be helpful.</p>