Frequently Asked Questions

Looks like, there are several differences between a federal student loan and you may a private mortgage:

Looks like, there are several differences between a federal student loan and you may a private mortgage:


This web site blog post are originally blogged from inside the . It title loans Wisconsin online offers due to the fact become current to offer the most up to date and you may relevent suggestions.

The other day, I was thinking financial aid are comparable to black colored magic. All of the I knew definitely was just about it “assists children pay for college.” We was not sure how or even just who entitled to it, and that i had a sense We was not the only person life style during the ignorance.

Rebecca Decker are an enthusiastic admissions counselor having Pearson Expidited Paths and you will might have been playing with the woman expertise to greatly help numerous people build an excellent financial decisions over the past eight ages (let alone the fresh several years she invested studying and controlling her own educational funding inside university).

After one hour-and-a-half-long conversation that have Rebecca, wearing down exactly what financial aid try as well as how it works, We learned so it regulators-backed monetary system needless to say actually black colored secret…nonetheless it isn’t really exactly a fairy godmother often.

What exactly is Educational funding?

Very college students do not have the ability to pay money for university away out of wallet. Given tuition, instructions, area and you can board, or other associated fees, the price can be nice. Naturally, very college students need search educational funding possibilities.

School funding include different section that will youngsters buy college or university, particularly scholarships, gives, funds, and you will work-data apps. Even though some form of aid need not be paid right back, others perform.

It was not up until We spoke so you can Rebecca which i learned that school funding will not constantly equate to “free currency.”

“It’s absolutely you’ll be able to in order to be eligible for gives, which can be generally totally free currency,” Rebecca told you, “but the majority of the time, recognizing educational funding form taking out fully government financing.”

We abruptly believed conned. No body-Nobody-ever told me you to definitely educational funding implied figuratively speaking . Having been increased to call home loans totally free myself, the theory one student financial obligation is generally masquerading significantly less than a beneficial friendlier title failed to stay better with me.

“If the educational funding simply that loan,” I asked, “exactly how is-it any benefit than simply delivering a personal loan so you can purchase college or university?”

Government funds normally have low, repaired rates, and therefore are different based on the first disbursement day of financing. The interest rate getting Direct Paid Loans, Lead Unsubsidized Financing, and you may Direct Together with Funds having undergraduate consumers earliest disbursed to the otherwise immediately after , is actually dos.75% (A personal loan can potentially exceed 18%.)

Federal financing can also be deferred-most often, people have a tendency to postponed its fund for up to half a year shortly after they graduate (enabling for you personally to get a career).

While this listing can make government student loans lookup better than just what Mr. Regional Banker Kid perform provides, it must be listed that college loans are debt. Taking out a student loan mode spending-money there is no need and that you would need to pay-off. which have desire.

Taking right out a multi-thousand dollar mortgage at 18, and no occupation and/or be sure of a good employment when you graduate? That’s an economic gamble. To have most useful otherwise tough, it can effect your lifetime even after university.

As, let’s discuss the different varieties of federal figuratively speaking you you may sign up for additionally the perception they can possess on your own economic coming.

What’s FAFSA?

The fresh Totally free Software to possess Government College student Aid (or FAFSA) is what it may sound such-debt help software. Doing this type is the only way knowing what kind regarding federal work with you be eligible for. The objective of this new FAFSA should be to succeed states and you will universities to decide hence children are eligible for school funding. It also helps them determine how far services students will get. “The first thing people should be aware of would be the fact doing the FAFSA isn’t an union,” Rebecca said. Implementing isn’t agreeing to simply accept support. You are just understanding how far you be eligible for.

What is Telemedicine?

Telemedicine is a service which allows health care professionals to evaluate, diagnose and treat patients using telecommunications technology.

Why should I use GoLiveDoc?

GoLiveDoc offers 24/7 medical consultations with board-certified doctors. You can use our platform from where you live, work or when you travel in the US. We also offer 24/7 behavioral health counseling for no additional fee. Health records are kept private and secure in order to protect your personal information.

How does GoLiveDoc Help?

GoLiveDoc gives you 24/7 access to board-certified doctors through secure online video or phone consultations – anytime, anywhere. GoLiveDoc is a low-cost, convenient alternativ e to Urgent Care visits or waiting several days to get an appointment with your Primary Care Physician for non- emergency medical conditions. Our doctors can diagnose your symptoms, recommend treatment […]

What happens after I complete the checkout process?

Once you have selected your plan and completed the checkout process, you will receive an email with your login credentials for the customer portal. You can use the customer portal to schedule appointments, update your electronic health records, see your consultation history or add dependents to your account.

How much does GoLiveDoc Cost?

The monthly membership fee ranges from $9.95 to $39.95 (depending on the plan you choose). The consultation fee is only $35. You can cancel your membership at any time for any reason.

If I have insurance, do I still need to pay the membership fee?

GoLiveDoc charges all members a small monthly fee.

How do I cancel my membership?

You can cancel your membership at any time for any reason. To cancel your membership, please call (888) 386-1037 or send an email to [email protected]

Does a patient have to meet with a provider in-person before a telemedicine consultation can be scheduled?

No, an in-person visit is not required before a visit can be conducted via telephone or video.

What does GoLiveDoc Treat?

We treat a variety of medical conditions. Common conditions we prescribe medication for are Cold & Flu, Pink Eye, Skin Irritation/Rash, Urinary Tract Infection, Diarrhea, Stomach Virus, Fever, Headaches and Sore Throat.

Are there Medical Conditions GoLiveDoc Cannot Treat?

There are some medical conditions that our doctors are unable to treat, including but not limited to: Broken Bones, Chronic Diseases, Erectile Dysfunction, Genital Herpes, Hair Loss, Hot Flashes, Premature Ejacuation, Smoking Cessation, STD Testing.

Can I be turned down for a pre-existing condition?

No, members are not turned away because of pre-existing conditions. GoLiveDoc is not an insurance.

Can GoLiveDoc Treat Emergencies?

GoLiveDoc Is Only For Non-Emergency Medical Issues Members Should Not Use It If They Are Experiencing A Medical Emergency. Please Dial 911 If You Are Having A Medical Emergency. GoLiveDoc Is Also Not Intended To Replace A Member’s Primary Care Physician.

Is GoLiveDoc For Emergency Situations?

GoLiveDoc Is Only For Non-Emergency Medical Issues Members Should Not Use It If They Are Experiencing A Medical Emergency. Please Dial 911 If You Are Having A Medical Emergency. GoLiveDoc Is Also Not Intended To Replace A Member’s Primary Care Physician.

Can I use it for my family?

The primary member and 7 immediate family members or household members will have access to consults. 

Do I talk to “real doctors”?

Yes. Members only talk to actual doctors who are state-licensed family practitioners, primary care physicians, internists and pediatricians. When members request a consult, they will be connected with a doctor licensed and practicing in their state.

What Type Of Doctor Or Specialist Can I Speak With?

Members Can Talk To A Doctor Directly. Our Doctors Are Licensed In Internal Medicine, Family Medicine And Pediatrics. A Doctor May Also Provide Guidance On The Type Of Specialist A Member Should See.

Can GoLiveDoc prescribe medications?

Yes, GoLiveDoc can prescribe medication for non-controlled substances. A list of controlled substances can be found here.

Are there Medications GoLiveDoc Cannot Prescribe?

We do not prescribe controlled substances and medications that would require in-person examinations, e.g. Antidepressants, birth control, medical marijuana, stimulants such as Adderall and Ritalin, narcotics or sedatives. Our Counselors cannot prescribe medications for mental health purposes.

Does GoLiveDoc Offer Access To Mental Health Professionals?

All Membership Plans Include 24/7 Behavioral And Mental Health Counseling. All Of Our Counselors Have A Master’s Degree And At Least 12 Years Of Experience.

Is there an extra fee to access mental health professionals?

There is no additional fee to speak with mental health professionals.

How does GoLiveDoc handle bloodwork, imaging, labs and other tests?

You can upload all bloodwork, imaging, labs and other tests to our secured portal for our doctors to view to help with diagnosing and treating your medical conditions.

Is My Electronic Health Record Kept Private?

Health Records Are Kept Private And Secure In Order To Protect Members’ Personal Information. Only Members Can Determine Who Can See The Information In Their Records.