You deserve every bit you get, because you constantly talked sh!t about your family's wealth as if you were yours, and now you can't even afford Canadian College. Glad to see you getting screwed.
Don't even call me jealous, I've got a lot more than you do. That I can promise and prove.
Don't even call me jealous, I've got a lot more than you do. That I can promise and prove.
i'm in a similar situation...i am going to have to take out a $4k loan to cover for my tuition and books/equipment for school. took out a $3k loan last year but this year i'm going to need to take out more.
i suggest just going to get a loan out, theres no way you will get denied if you co-sign with ur parents and if you don't co-sign with your parents then just claim independent and if your credit is too bad your school will help you get a loan out, just show them the letter that the bank will give you because of your credit.
with books and food $ i'm just throwing it on the credit card (gives me about a month to find the money) and right now i'm waiting on my loan so I can use that money to pay off the credit card and have some extra spending (book/equipment) money.
if your credit cards are maxed already then...i suggest starting another one and take out a bigger loan to cover for that?
goodluck.
i suggest just going to get a loan out, theres no way you will get denied if you co-sign with ur parents and if you don't co-sign with your parents then just claim independent and if your credit is too bad your school will help you get a loan out, just show them the letter that the bank will give you because of your credit.
with books and food $ i'm just throwing it on the credit card (gives me about a month to find the money) and right now i'm waiting on my loan so I can use that money to pay off the credit card and have some extra spending (book/equipment) money.
if your credit cards are maxed already then...i suggest starting another one and take out a bigger loan to cover for that?
goodluck.
That's nice, but I'm not really concentrating on undergraduate degrees, but on the quality of the school as a whole. No Canadian school really compares to the likes of Harvard, Stanford, Yale, Princeton, etc. That is not necessarily a slight on Canadian schools, since University of Toronto is usually ranked decently.
Problem: Can't pay for college.
Solution: Don't go to college.
Problem: Can't afford tution for full-time college.
Solution: Switch to part-time status, be able to get smaller loan. Ask for extension on paying tution. Now that you are part-time, use spare time to work more, pay loan and save for next semester's tution.
Problem: Can't pay tution due in 14 days.
Solution: Get off the computer and go talk to a financial aid rep. The worst they can say is drop your classes and come back when you have money. Which, if you can't get the money anyway... means you're no worse off than you were.
If you're parents are paying for your living arrangments, and you have no car, no cell phone, barebones... where exactly is your money going? You need a job that doesn't pay you in canned goods, apparently.
Solution: Don't go to college.
Problem: Can't afford tution for full-time college.
Solution: Switch to part-time status, be able to get smaller loan. Ask for extension on paying tution. Now that you are part-time, use spare time to work more, pay loan and save for next semester's tution.
Problem: Can't pay tution due in 14 days.
Solution: Get off the computer and go talk to a financial aid rep. The worst they can say is drop your classes and come back when you have money. Which, if you can't get the money anyway... means you're no worse off than you were.
If you're parents are paying for your living arrangments, and you have no car, no cell phone, barebones... where exactly is your money going? You need a job that doesn't pay you in canned goods, apparently.
- Jan 2, 2001
- 25,325
- 4,991
- 136
My credit is bad because I've had to overextend myself financially to put myself through school.
If you only found out two weeks ago about having to pay your own tuition, how did your credit get bad? There hasn't been time for even one bill to be late, let alone your rating to get shot.
If you only found out two weeks ago about having to pay your own tuition, how did your credit get bad? There hasn't been time for even one bill to be late, let alone your rating to get shot.
meltdown75
Lifer
- Nov 17, 2004
- 37,548
- 7
- 81
good luck OP. i took out loans from both the federal and provincial government (OSAP / CSLs) and about 6 years removed from my graduation, i'm beginning to see the light at the end of the tunnel.
i did qualify for interest relief at one point, and they applied a pretty good amount to my loans, so that was nice. i'll have them paid off in about three more years.
:thumbsup:
i did qualify for interest relief at one point, and they applied a pretty good amount to my loans, so that was nice. i'll have them paid off in about three more years.
:thumbsup:
Ive have been in your position for 4 years. Get as many jobs as possible and you may have to take time off from school to make more money. Ask financial aid for some merit based scholarships. If your grades suck (<3.5) you are SOL.
Luckily, my parents taught me how to save money and I came to college with 30k$ in my savings account half from my summer jobs and half from relatives that passed on. Never spent more than 500$ during junior high and high school - payed off massively. In combination of a federal loan and a small merit based scholarship, I've been able to make ends meet doing lots of overtime work.
Good luck, college costs more than its education is worth, but once you have your degree, nobody can take that away from you.
Luckily, my parents taught me how to save money and I came to college with 30k$ in my savings account half from my summer jobs and half from relatives that passed on. Never spent more than 500$ during junior high and high school - payed off massively. In combination of a federal loan and a small merit based scholarship, I've been able to make ends meet doing lots of overtime work.
Good luck, college costs more than its education is worth, but once you have your degree, nobody can take that away from you.
HardcoreRobot
Lifer
- Nov 7, 2000
- 16,403
- 3
- 81
probably already been said...
if your parents arent claiming you as a dependent, their income doesnt matter. if they are, than thats another problem to deal with. you should be able to get a federal loan, even if it is not subsidized
if your parents arent claiming you as a dependent, their income doesnt matter. if they are, than thats another problem to deal with. you should be able to get a federal loan, even if it is not subsidized
The general recommendation in these kinds of cases always seems to be to go to a community college to get your core reqs cheap. But people always recommend this - is it always possible? I know for me, I'm already taking major-specific classes second semester of my first year, and my second year is pretty much all major-specific and like one gen ed. So doesn't that really only work for certain majors?
well this is easy then. the OP should just take 3 stacks of high society to Teddy KGB's place and check check check all night with the check until he takes Teddy down. no more tuition problem!
meltdown75
Lifer
- Nov 17, 2004
- 37,548
- 7
- 81
I'm good, my aunt offered to give me a temporary loan of 4,000 dollars.
2,000 went to paying my tuition.
2,000 was invested in 2 stocks, and their value has increased significantly.
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