• Courtney Stempinski

    Courtney Stempinski

    Class of 2017, Graduate Student
    Cambridge, MN
    Master of Education

    Courtney's Bio:
    I'm an Elementary Education major at CSS. I also plan to minor in Spanish. Having done PSEO, I came to CSS with more than 60 credits. I'm part of Volunteers Involved Through Action (VITA), Students Today Leaders Forever (STLF), and other clubs! Dance has been part of my life for 10 years, and now I'm trying to fit it into my schedule again. I love spending time watching Supernatural and Once Upon a Time, and reading Harry Potter and other great books. I live in a suite with 3 other girls, and we are always finding something fun to do around campus!

  • Bryan Chavez

    Richfield, MN
    Accounting and Finance

    Conrado Eiroa Solans

    Madrid, Spain
    Psychology Major, Biology minor

    Halle Nystrom

    Graduate Student
    Fargo, ND
    M.S. Health Information Management

    Neena Koslowski

    Apple Valley, MN

  • Shauney Moen

    Graduate Student
    Oak Grove, MN
    Doctorate of Physical Therapy

    Yael Ikoba-Ndjip

    Brussels, Belgium
    Accounting Major; Finance minor

    Jin Baek

    Aurora, CO
    Biology and Chemistry (Pre-Med)

    Katelyn Gehling

    East Bethel, MN
    Exercise Physiology for Pre-Physical Therapy

  • Takudzwa Munjanja

    Gweru, Zimbabwe
    Health Information Management, CIS minor

    Shivani Singh

    Mumbai, India
    Management & Marketing

    Malvern Madondo

    Harare, Zimbabwe
    Mathematics & Computer Science

    Jason Chavez

    Minneapolis, MN
    Psychology, Organizational Behavior, and Social Work

  • Kathryn McCarrick

    Saint Paul, MN
    Elementary Education

    Brooke Elvehjem

    Mora, MN

    Laura Salazar

    Bogotá, Colombia
    Marketing and Business Management

    Daniela Moreno Gomez

    San Salvador, El Salvador
    Computer Information Systems and Finance

  • Laila Zemar

    Casablanca, Morocco
    Biochemistry, Biology and Pre-med

Loans or Out of Pocket?

During the financial aid process, Stafford and Perkins loans are offered to you by the government. I only am offered Stafford loans, because my household does not fit below the income limit for Perkins. I receive offers for subsidized and subsidized loans. The subsidized loans do not have interest building up until after I graduate, while the latter does. You can only take out so much with each type of loan, and that’s designated by your financial aid letter. If you still need to take out loans after that, you have to take out private loans. The first two years of college, I was very pro-Stafford loan. I even received additional Stafford loans because I was denied for the Parent Plus loan. I thought to myself that this gave me time to truly experience college, and not be working away my life like some of my friends were doing. I could *totally* worry about this money later down the road! So now as my interest on my unsubsidized loans has started building up, plus the fact that a year from now I will be starting to pay back the roughly $30,000 I will have taken out, I am definitely sending curse words flying. What was I thinking?! Thankfully, I can have up to $5,000 of my loans forgiven through the teacher loan forgiveness programs, but still! Now I am much more adamant about paying back my loans whenever I have extra money and paying out of pocket the last few thousand. I’ve been working work study jobs for the past two years, so I should have more money put towards paying off loans, but I don’t. That is the goal to work on this year.

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