Personal Loan Help!

vixxx4

Hello Everyone!! i been turned down for a personal loan..Actually im an international student but i work as well around 20 hours a week..i m a UK resident since almost 3 years and i am struggling to pay last installment of my fees which is 3000£ but can't seem to figure it out from anywhere..I have seen my credit report, the problem with my credit report is tht i never been on electrol for the past 3 years and i never took out any credit card or loans other than my bank account and my fone on which payments are upto date but still it appears to be poor.I dont know whether anyone will be interested in my story but still if anyone can come up with an advice that ll be really appreciated thanks.

neverdespairgirl

vixxx4 wrote: »

Hello Everyone!! i been turned down for a personal loan..Actually im an international student but i work as well around 20 hours a week..i m a UK resident since almost 3 years and i am struggling to pay last installment of my fees which is 3000£ but can't seem to figure it out from anywhere..

Two possible problems occur to me - if you are an international student, be careful you don't exceed 20 hours per week, which is normally the max on a student visa.

As far as fees are concerned, be careful again, as if you are struggling to pay them, you may also have trouble renewing your visa, should you need to do so.

vixxx4

well im not worried abt my visa extension or the hours i am working, as a matter of fact i need 3k£ to pay my fees..and i m looking for a loan..thanks anyway i think you didnt get my point at first.

jonesMUFCforever

What about a bank from your own country - will they not lend to you?

vixxx4

no.. in my country banks or governments do not support students abroad or even in the country..

grey_lady

Could you not ask the University if you can pay that last 3k in installments from your wages, £250 a month for a year?

vixxx4

no it was already a 3 installment plan which i have to fulfil..

jonesMUFCforever

Looks like you will have to go home then, save the money come back at a later date to finish the course.

vixxx4

its not worth going back just now ..its my last semester i cant afford to go back and come again..my uni wont let me do it..

AMILLIONDOLLARS

Is there no hardship fund to which you could apply? what about your bank have you tried them?

Sounds like you'll need to budget, look at your phone charges and find a way to cut its cost, maybe switch to payg, rent and living expenses may need further trimming, failing that you may have to look for cash in hand work