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Help! Nowhere to turn!


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#1 daTS

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Posted 10 October 2013 - 07:49 AM

Well, It seems that I've found myself in a situation that requires some outside thinking. I've spent the past several hours trying to find a solution and I can't.

Three months ago, I got laid off from a great job. I figured my veteran's status would help me find another one pretty quickly. Boy, was I wrong. It seems there aren't really any jobs at all here in DFW that fit my skillset (other than minimum wage) Even though, I was able to get back in school and get my Post 9/11 rolling, my savings account was only able to handle 3 months' worth of bills. Now, with the wonderful government we oh so love being shutdown, I never received my October 1st stipend, and I can't call the VA to figure out where the heck it's at. My girlfriend and I are in serious danger of being unable to pay bills this month.

 

Our savings finally dried up this month. We used the last of our savings to pay rent and the car payments. Now Insurance, phone and electric bills are all due, and her paychecks aren't enough to even come close. Does anyone know where a vet with less than perfect credit (yeah, I had my young&dumb days a few years ago and now i'm paying for it) can get an emergency short-term loan (that doesn't have a stupid high interest rate)? 

Any and all help/advice would be beyond appreciated.


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#2 CoffeeLover

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Posted 11 October 2013 - 07:05 PM

If you are medically retired from the military you can still use the AER loan/grant program


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#3 PS1 Retired

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Posted 11 October 2013 - 07:15 PM

If you are a member of the VFW or American legion, give them a call as they also have a program to help out a veteran with a short term crisis as well. They were great with a few of my battles when Hurricane Wilma hit south Florida and we were deployed..


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#4 PS1 Retired

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Posted 11 October 2013 - 07:30 PM

Also, if you are in College, look into what the State of Texas has for college Grants.  Also fill out the Federal Student Aid Form (FAF) as service members are also eligible for a Pell Grant, which is based on taxable income and expenses.  Once the tuition is paid, you can do whatever you need to with the Grant money and it's not like a loan (which one needs to pay back). 

 

You could apply for student loans which are low interest and have 10 years to pay it back after you finish college, that would be your best bet vs. getting caught up in a high interest Shark loan (like those at a check cashing store) as they based the student loan on school attendance more than credit rating. 

 

When I originally ETS'ed from active duty Army in 1990, I was guaranteed 10 weeks of unemployment and a buddy I served with told me about the Pell grant program which I had applied 3 months before I came home.  Everything was in place and I was able to enroll in college without pulling one dime out of my pocket for tuition and books because of it. MY GI Bill was held up for 6 months because of their questioning my discharging 12 days earlier than my first contract "For the Convenience of the Government" because of Christmas exodus. The american Legion rep was great in putting the boot up the VA's ass back then to straighten out my GI Bill.  Fortunately, I lived back home with my mom and didn't need much, which allowed me to be a full-time college bum for a year and a half. 

I used the student loans when I found a full time job as a cop in Ohio until I finished my Nursing degree.  Because of my DIvorce in 1997 with a newborn and moving to Florida then My a'ss was upside down in debt and had no problem getting student loan deferments for several years until I could get out of it.  Now, that I am getting better with my finances, I am paying as much as I can on my student loans to get that behind me and have a year left to be paid off!!  But when I needed it, it was great to have it there and saved me when I really needed it!!

 

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#5 PS1 Retired

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Posted 11 October 2013 - 07:47 PM

One other thought as well which I never needed but know it's there.  Start researching for scholarships also as those are for anything you need as long as you are attending college full-time.  Some require afilliation with an organization, some may be from a philantropist who merely has you write an essay on what your college/career goals are to see if it's in line with that person or group's philiosophy for awarding the scholarship. 

 

Don't forget also, that if you are at least 10% service connected with the VA, you are also eligible for their "Vocational Rehabilitation" program, which will help you also with living expenses and getting yourself into a decent job.   http://www.vba.va.gov/bln/vre/

 

There is a lot of support out there for the Vet, one just needs to be dilligent in doing their homework and finding it.  It's unfortunate seeing how understaffed and overworked the local Veterans reps are, given the many Veterans who suffer from mental illness and even physical disabilities which makes it hard for many Vets to self-initiate the research themselves and harder for them to get the help they need to find it.  I was fortunate to have the right people at the right time to give me the direction I needed otherwise I would of never had a clue what to do. 

 

Let me know if I can help in anyway, I'm not in Texas, but at least have spent the last 25 years gaining the knowledge on where to look and might be able to help you with that..

 

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#6 CoffeeLover

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Posted 11 October 2013 - 08:14 PM

I have also posted links to help vets and their families with situations like yours on the support mission forum for ASMDSS


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