Each of us lives only now, in this brief instant. The rest has been lived already. So make the most thoughtful choices you can today that will lead to a better future.
Steve's Thought of the Day
Stop drifting and hoping a magic solution will appear. Instead, you can participate in rescuing yourself. Find peace by pursuing facts through trusted advisers and research rather than the blind trust of salespeople trying to sell you something by almost any means necessary.
Steve's Thought of the Day
Make decisions to deal with your debt with logic and facts, not assumptions, and worry about what other people will think. People who judge you will soon be forgotten. Nobody thinks about anyone that much.
Steve's Thought of the Day
The world is nothing but constant change. Your life is only a perception. Choose a way out of debt based on facts, not assumptions. Do what is best for your future because those that judge you will not feed you.
Steve's Thought of the Day
Do you have a greater responsibility to repair your financial past or your financial present and future? Make good choices that allow you to tackle your debt and immediately start building your emergency fund and saving for retirement. Tomorrow will be here before you know it. Lost time is a sin.
Steve's Thought of the Day
There is no sense in wasting a perfectly good financial mistake. Instead, learn from it and do better moving forward. The past is gone. Turn and face the future now.
Steve's Thought of the Day
Those who judge you for past financial mistakes are not your friends. So don't make choices about your future out of fear of what they may think. Instead, make choices based on truth, fact, and what is best for you moving forward from today.
Steve's Thought of the Day
Don't believe everything you think. Challenge your assumptions about getting out of debt. Do what is best for you, not others.
Steve's Thought of the Day
Is it less moral to file bankruptcy or to not take action that leaves you old, broke, hungry, and dependent on others?
Steve's Thought of the Day
If bankruptcy is so bad, why did our Founding Fathers specifically include it in the U.S. Constitution as protection for financial difficulties?
Stop listening to people that say bankruptcy is a last resort. It is neither first nor last. It is a tool like credit counseling, debt settlement, and others. For the best result, you need to use the right tool for the job.
Steve's Thought of the Day
People that tell you to avoid bankruptcy want to sell you something else are repeating something they heard or do not know what they are talking about. Get the facts and then make your own decision. Don't let an unskilled script-reading commissioned salesperson make life decisions for you.
Steve's Thought of the Day
Debt problems are like fingerprints. No two are alike. A one-size-fits-all solution will give you a one-size-fits-all result. You deserve better.
Steve's Thought of the Day
You are not your debt. Your value, self-esteem, and existence should not be defined by the money troubles you may be facing right now. Debt problems are solved with proper action, not guilt, self-hatred, and disgust.
Steve's Thought of the Day
Debt is nothing more than math wrapped in emotion. The math is easy, the emotional part leads us to do impulsive things. Not the right thing.
Steve's Thought of the Day
What type of money personality do you have? It is important to know. Take my online test now and discover how you unconsciously deal with money, credit, and debt.
Steve's Thought of the Day
How much retirement savings are you willing to throw away by dealing with your old debt instead of preparing for your financial future? Find how much you will lose by making the wrong choice. Use my online debt repayment calculator now.
Steve's Thought of the Day
Does it make more sense to ask for life-altering debt advice from an unskilled and untrained commissioned salesperson in a call center or an experienced debt coach like Damon Day that provides a customized solution for money troubles?
Steve's Thought of the Day
My Online College Won’t Give Me My Transcripts. They Say I Owe Them Money. – Jennifer
I was attending an on line university, had Pell grants and student loans, I dropped my last two classes, due to a unbelievable amount of stress I was under. Now, I am trying to enroll in a local university, I need my transcripts. The online college claims I owe them $3100, I do not understand how. My loans are through the government- not the college. How do I argue this and how do I get my transcripts?
Jennifer”
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Dear Jennifer,
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12 thoughts on “My Online College Won’t Give Me My Transcripts. They Say I Owe Them Money. – Jennifer”
Another thing you can do without having to hire a lawyer is to contact your local State Student Financial Aid group. For Illinois, this is the Illinois Student Assistance Commission (ISAC). If you were getting state aid along with federal aid (PELL) they may be able to ask for the forms for you. If not you can complain to the State board of higher education. Each state has one and they may be able to quickly resolve your problem or at least find out where you stand in regards to the costs.
Kelvin Wing ISAC Commissioner 2007-2010 State of Illinois
They refused to give me a copy of my financial account. They just wanted to send an email that stated how much I owed in total rather than what I’m being charged for separately.
I am trying to begin college again at my previous college. I did some online classes at Grand Canyon University for a year and decided to stop and get a job. Now I am trying to reapply @ my previous college only to find out I can’t because Grand Canyon says I owe $3000.00 for classes I didn’t take. Now they won’t send my transcripts from Grand Canyon University to the college I am trying to apply too. Please advise me on what I should do and how to handle this. Thanks
If you are using financial aid to go to school and you drop out midterm you will be held financially responsible for that term. (This does not apply to most student loans however)
If you are using financial aid to go to school and you drop out midterm you will be held financially responsible for that term. (This does not apply to most student loans however)
I owe one college money because I dropped out mid-semester. I just don’t ask for those transcripts when I apply to other schools. I still got approved for more financial aid at another school after that. As far as I know there’s no law that says you have to transfer all your credits.
I am in the same boat. I attened an online college they pulled student loans and pell grants. I never recieved a refund for anything they are now stating that I owe them money and I have contacted fasfa and student loan companies and they are telling me what the school recieved and it is not adding up to what the school is telling me. What should I do to recieve my transcript. I am currently attend a school in my home state and can’t futher my education because of this problem. Help me please.
I’m in the same boat as Jennifer. I am desperately trying to finish my Master’s degree. I started at one university. Then due to financial reasons I stopped to work full time. I then enrolled in an online program. I obtained student loans. I believe they made a double disbursement to me. I even called them when it was direct deposited in my account to make sure it wasn’t a mistake. Someone in the financial aid office told me it was correct. Then I finished the semester and received a bill for $6,000 and they won’t give me my transcripts to attend a local, less expensive university. Steve, I will follow your steps. Thanks for your advice. I’ll relay the information when I obtain it.
Another thing you can do without having to hire a lawyer is to contact your local State Student Financial Aid group. For Illinois, this is the Illinois Student Assistance Commission (ISAC). If you were getting state aid along with federal aid (PELL) they may be able to ask for the forms for you. If not you can complain to the State board of higher education. Each state has one and they may be able to quickly resolve your problem or at least find out where you stand in regards to the costs.
Kelvin Wing
ISAC Commissioner
2007-2010
State of Illinois
Good tip. Did this work for you?
They refused to give me a copy of my financial account. They just wanted to send an email that stated how much I owed in total rather than what I’m being charged for separately.
Maybe you need to hire a consumer attorney to represent you to get some answers. Look at http://naca.net to find a local attorney.
I am trying
to begin college again at my previous college. I did some online classes at
Grand Canyon University for a year and decided to stop and get a job. Now I am
trying to reapply @ my previous college only to find out I can’t because Grand
Canyon says I owe $3000.00 for classes I didn’t take. Now they won’t send my
transcripts from Grand Canyon University to the college I am trying to apply
too. Please advise me on what I should do and how to handle this. Thanks
Hi All,
If you are using financial aid to go to school and you drop out midterm you will be held financially responsible for that term. (This does not apply to most student loans however)
Hi All,
If you are using financial aid to go to school and you drop out midterm you will be held financially responsible for that term. (This does not apply to most student loans however)
I owe one college money because I dropped out mid-semester. I just don’t ask for those transcripts when I apply to other schools. I still got approved for more financial aid at another school after that. As far as I know there’s no law that says you have to transfer all your credits.
I am now in the same situation only my new school is demanding the transcripts in order to get financial aid awarded. I am now really stuck!
I am in the same boat. I attened an online college they pulled student loans and pell grants. I never recieved a refund for anything they are now stating that I owe them money and I have contacted fasfa and student loan companies and they are telling me what the school recieved and it is not adding up to what the school is telling me. What should I do to recieve my transcript. I am currently attend a school in my home state and can’t futher my education because of this problem. Help me please.
Patricia,
Find a local lawyer to represent you in your dispute with the school.
Steve
I’m in the same boat as Jennifer. I am desperately trying to finish my Master’s degree. I started at one university. Then due to financial reasons I stopped to work full time. I then enrolled in an online program. I obtained student loans. I believe they made a double disbursement to me. I even called them when it was direct deposited in my account to make sure it wasn’t a mistake. Someone in the financial aid office told me it was correct. Then I finished the semester and received a bill for $6,000 and they won’t give me my transcripts to attend a local, less expensive university. Steve, I will follow your steps. Thanks for your advice. I’ll relay the information when I obtain it.