GradPLUS loan and my credit.

QuestionsGradPLUS loan and my credit.
Charity Sherlock asked 6 years ago

Afternoon all,

 

First thing is first – I am a non traditional medical student (prospective) who has to do a lot of work over the next three years, one of which is to get my credit score and my credit history in check. I am planning on needing loans around 2018.

 

Just pulled my credit report – plan on maybe 3 years before medical school acceptance. I’ll be 30/31 then. Here’s my history. I’m currently saving all my money to pay off loans and do some other things. Would you folks have any recommendations? Will I get a Grad PLUS loan? I was very uneducated/misguided when I was younger about loans and credit.

Debts:
1. $ 22,000 – Gov’t Student Loans, late 60 days Feb 2011.
By May 2017, this account is scheduled to go into a positive status.
I plan on paying this off before Medical School.

2. Credit card, $ 3,500 limit, payment on time except 30 days in Jan 2011.
Note: “by Oct 2018, this account is scheduled to go to a positive status”
I use this card every day for budgeting purposes. I pay it off in full every month and plan on keeping it. Gets 2% cash back.

3. Credit card, owe $ 1,622, collections.
Account is schedule to continue on record till Jan 2019
I plan on paying this off in full today.

4. Collection to AT&T $ 343, paid, closed.

5. Apartment Complex Collection Account, $ 67 owed.
I plan on paying this off in full today.

6. Verizon Wireless: Account charged off. $ 52 written off. Account schedule to continue until Apr 2019
I plan on paying this off in full today.

7. Bank of America: $ 489. Account Charged off. $ 489 balance. Account is Scheduled to Continue on Record Until 2018.
I plan on paying this off in full today.

8. Student Loan 2008: Account Charged off. $ 13090 Chase, Account is Scheduled to Continue on Record Until 2017.
I haven’t made a payment and won’t be able to pay this off before I get accepted into medical school. Not sure what happens if I don’t pay.

9. Student Loan 2008: Account Charged off. $ 12437 Chase, Account is Scheduled to Continue on Record Until 2017
I haven’t made a payment and won’t be able to pay this off before I get accepted into medical school. Not sure what happens if I don’t pay.

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