<p>I go to Emory and have financial aid that covers all of the cost of attendence, but I still still need around $2500 to pay for the health insurance which was not included in the financial aid, and my family does not have money to pay for it. Is there any way to apply for extra stafford loans or perkins loans or anything else? How do I apply? Thanks!</p>
<p>If your family has health insurance coverage, you probably don’t need the schools coverage also.</p>
<p>Work this summer. You can easily earn that much.</p>
<p>While I agree that a student should be able to earn that much in a summer, it’s now the end of June, so the student may not be able to get the money by the start of school.</p>
<p>As EK4 wrote, does your family have health insurance? If so, then you probably can get a waiver for that.</p>
<p>If your family doesn’t have health insurance, and you still need to pay it, then for loans, you’re limited to $5500 plus your Perkins…BUT…what loans are ALREADY in your FA pkg? </p>
<p>What was your EFC?</p>
<p>Also, you need to ask Emory to add that cost into your COA if your EFC is less than 2500.</p>
<p>If you have a parent with bad credit, have them apply for a Plus loan, get denied, and then you can get up to $4k more in loans.</p>
<p>HOWEVER, next year, avoid all this and earn the money over the summer…otherwise you’ll end up with TOOOOO much debt.</p>
<p>My family does not have health insurance, and my EFC is 0. I have Loan Replacement Grant, in my FA package which seems to replace Stafford Loans, so does that mean I can’t get Stafford Loans? I have been trying to find a job all summer, but it’s extremely difficult to find jobs where I live…</p>
<p>I want to get a stafford or perkins loans, so where can I fill out the applications for that?</p>
<p>Have you talked to the school about this? Do they have options for low income students? If you have an efc of 0 you/ your family should be eligible for some state medical care programs. So check into that option.</p>
<p>IF they are not georgia residents, this option is </p>
<ol>
<li>Not going to help him at Emory</li>
<li>Not be adequate so that student will be able to get a waiver.</li>
</ol>
<p>Contact your school about taking out a small stafford loan to cover the insurance.</p>
<p>Your FAFSA was your app for Stafford loans. There isn’t a sep app for Stafford (or Perkins) loans. Call the school and see if you can get a Stafford loan for the insurance…but first ask them what options are there for health insurance for 0 EFC students and how that’s supposed to get paid.</p>
<p>So yeah, I am not georgia resident, so I can’t get medicare for Emory, and I guess I will ask for options for how to pay for health insurance.</p>
<p>What did you do last year?</p>
<p>If you haven’t already been awarded a Federal Direct (aka Stafford) loan, you are eligible to borrow up to $5,500, unsubsidized. “Unsubsidized” means that interest starts accruing as soon as the loan proceeds are received, although you do not need to start making payments until you graduate (or leave college for other reasons).</p>
<p>emeraldkity, for last year we paid for the insurance with our own money, but this year we will not be able to do that.</p>
<p>annasdad, I was not awarded Stafford, but I got awarded with Loan Replacement Grant, which replaces Stafford, so do you think I am still eligible for Stafford?</p>
<p>Everyone is eligible for Stafford as long as you aren’t receiving more than COA.</p>
<p>As EK said, you are eligible for direct (stafford) loans as long as your total aid including any scholarships/grants/WS/loans does not exceed the COA of the school. Two things to check into. Can your COA be upped to include the insurance, I’m not sure if it can. As you have been given a loan replacement grant by the school, will taking out a loan impact this.</p>
<p>Contact the school and ask if you can get a Stafford loan in ADDITION to your current aid. If they say that your aid already covers 100% of your COA (sans insurance) ask them if there’s a way to increase COA to include the insurance amount. If the person says, “no”, then ask to speak to the director of FA. </p>
<p>If worse comes to worse, find out if you can pay in monthly installments, then work part time to cover it.</p>