So, what am i supposed to do?

[Acanthus]

Originally posted by: Whisper

Originally posted by: Acanthus

Originally posted by: tfinch2

Originally posted by: Acanthus

Originally posted by: Whisper
Also, how old are you? When speaking with the financial aid office, you might see about applying as an independent on your next FAFSA. They have some pretty strict rules against it, but you just might qualify.

Im already an independant, im 24.

I thought everyone handed out student loans like they were candy.

Try to get approved for a CC with no interest for one year, then pay for tuition with a CC. Just make sure you pay it off.

Stop being a baby and get a job too.

Yes, a possible 20% APR on $4000 if i dont pay it off is a good idea... That would only solve the problem for a year and thats assuming i can gather enough income to pay it off.

Read the thread you tool, i explained why the job is a problem in detail.

At this point, that might be your only option...that, or to transfer to a community/junior college with a smaller tuition until you're able to save up some money.

Edit: And just as a reference, I have somewhere in the neighborhood of maybe $30k in education loans and around $10k in credit card debt at the moment, largely from having to live entirely on other people's money for the past few years.

Im currently at the cheapest 4 year school run by the state.

Im really interested in finding my own loans and getting by on my own, does anyone have any specific reccomendations for low/no credit college loans?

 

[tfinch2]

Originally posted by: Acanthus

Originally posted by: Whisper

Originally posted by: Acanthus

Originally posted by: tfinch2

Originally posted by: Acanthus

Originally posted by: Whisper
Also, how old are you? When speaking with the financial aid office, you might see about applying as an independent on your next FAFSA. They have some pretty strict rules against it, but you just might qualify.

Im already an independant, im 24.

I thought everyone handed out student loans like they were candy.

Try to get approved for a CC with no interest for one year, then pay for tuition with a CC. Just make sure you pay it off.

Stop being a baby and get a job too.

Yes, a possible 20% APR on $4000 if i dont pay it off is a good idea... That would only solve the problem for a year and thats assuming i can gather enough income to pay it off.

Read the thread you tool, i explained why the job is a problem in detail.

At this point, that might be your only option...that, or to transfer to a community/junior college with a smaller tuition until you're able to save up some money.

Edit: And just as a reference, I have somewhere in the neighborhood of maybe $30k in education loans and around $10k in credit card debt at the moment, largely from having to live entirely on other people's money for the past few years.

Im currently at the cheapest 4 year school run by the state.

Im really interested in finding my own loans and getting by on my own, does anyone have any specific reccomendations for low/no credit college loans?

Have you checked any local banks or credit unions? Who's name is the apartment and bills under? Why doesn't your GF co-sign with you? She'll probably qualify unless she made stupid decisions in the past.

 

[Acanthus]

Originally posted by: tfinch2

Originally posted by: Acanthus

Originally posted by: Whisper

Originally posted by: Acanthus

Originally posted by: tfinch2

Originally posted by: Acanthus

Originally posted by: Whisper
Also, how old are you? When speaking with the financial aid office, you might see about applying as an independent on your next FAFSA. They have some pretty strict rules against it, but you just might qualify.

Im already an independant, im 24.

I thought everyone handed out student loans like they were candy.

Try to get approved for a CC with no interest for one year, then pay for tuition with a CC. Just make sure you pay it off.

Stop being a baby and get a job too.

Yes, a possible 20% APR on $4000 if i dont pay it off is a good idea... That would only solve the problem for a year and thats assuming i can gather enough income to pay it off.

Read the thread you tool, i explained why the job is a problem in detail.

At this point, that might be your only option...that, or to transfer to a community/junior college with a smaller tuition until you're able to save up some money.

Edit: And just as a reference, I have somewhere in the neighborhood of maybe $30k in education loans and around $10k in credit card debt at the moment, largely from having to live entirely on other people's money for the past few years.

Im currently at the cheapest 4 year school run by the state.

Im really interested in finding my own loans and getting by on my own, does anyone have any specific reccomendations for low/no credit college loans?

Have you checked any local banks or credit unions?

I havent, ive been worried that going from bank to bank is going to run me up more credit checks and further damage my already low credit, however it's starting to sound like a good idea now that my parents decided they want me to disown them.

 

[Whisper]

Originally posted by: Acanthus

Originally posted by: tfinch2

Originally posted by: Acanthus

Originally posted by: Whisper

Originally posted by: Acanthus

Originally posted by: tfinch2

Originally posted by: Acanthus

Originally posted by: Whisper
Also, how old are you? When speaking with the financial aid office, you might see about applying as an independent on your next FAFSA. They have some pretty strict rules against it, but you just might qualify.

Im already an independant, im 24.

I thought everyone handed out student loans like they were candy.

Try to get approved for a CC with no interest for one year, then pay for tuition with a CC. Just make sure you pay it off.

Stop being a baby and get a job too.

Yes, a possible 20% APR on $4000 if i dont pay it off is a good idea... That would only solve the problem for a year and thats assuming i can gather enough income to pay it off.

Read the thread you tool, i explained why the job is a problem in detail.

At this point, that might be your only option...that, or to transfer to a community/junior college with a smaller tuition until you're able to save up some money.

Edit: And just as a reference, I have somewhere in the neighborhood of maybe $30k in education loans and around $10k in credit card debt at the moment, largely from having to live entirely on other people's money for the past few years.

Im currently at the cheapest 4 year school run by the state.

Im really interested in finding my own loans and getting by on my own, does anyone have any specific reccomendations for low/no credit college loans?

Have you checked any local banks or credit unions?

I havent, ive been worried that going from bank to bank is going to run me up more credit checks and further damage my already low credit, however it's starting to sound like a good idea now that my parents decided they want me to disown them.

Check into some of the companies I listed in a previous post. And yeah, look into local branches of banks as well.

 

[FoBoT]

Originally posted by: Mo0o
It boggles the mind that some parents do this to their kids. So what is their reasoning on not cosigning on a loan for their son's education?

it isn't his parents responsibility , he is an adult

 

[Tobolo]

Try a local bank.

 

[bonkers325]

Originally posted by: FoBoT

Originally posted by: Mo0o
It boggles the mind that some parents do this to their kids. So what is their reasoning on not cosigning on a loan for their son's education?

it isn't his parents responsibility , he is an adult

but he's still their son, which obviously means squat if they wont help him out of this bind.

 

[Whisper]

Originally posted by: bonkers325

Originally posted by: FoBoT

Originally posted by: Mo0o
It boggles the mind that some parents do this to their kids. So what is their reasoning on not cosigning on a loan for their son's education?

it isn't his parents responsibility , he is an adult

but he's still their son, which obviously means squat if they wont help him out of this bind.

Not co-signing a loan and disowning someone as your child are two completely different things. As I mentioned earlier in this thread, my mother has told me countless times that she would never, under any circumstances, co-sign anything for me. But I've never doubted that she cares for me more deeply than she could ever say.

 

[dwil]

Good luck. Try a credit union first, tell them your situation...

 

[FoBoT]

Originally posted by: bonkers325

Originally posted by: FoBoT

Originally posted by: Mo0o
It boggles the mind that some parents do this to their kids. So what is their reasoning on not cosigning on a loan for their son's education?

it isn't his parents responsibility , he is an adult

but he's still their son, which obviously means squat if they wont help him out of this bind.

so you think my dad is a "bad father" since he didn't pay for my college? :roll:
you don't know my father or the OP's father

some people are better off without a silver spoon

 

[JS80]

you have a 4.0 and you're not getting a full academic scholarship
if you're an independent, and 24, and broke, shouldn't you either get full funding from the state or be on welfare?
did you parents tell you from the beginning that they wouldn't help out? if so, a 4.0 student didn't really plan out the cost of college? if they suggested they would, you should sue them.

 

[Acanthus]

Originally posted by: FoBoT

Originally posted by: bonkers325

Originally posted by: FoBoT

Originally posted by: Mo0o
It boggles the mind that some parents do this to their kids. So what is their reasoning on not cosigning on a loan for their son's education?

it isn't his parents responsibility , he is an adult

but he's still their son, which obviously means squat if they wont help him out of this bind.

so you think my dad is a "bad father" since he didn't pay for my college? :roll:
you don't know my father or the OP's father

some people are better off without a silver spoon

Well since the republicans cut education loan funding by 80%, there are a lot more people that have to take higher, and harder to get, private loans.

Im not asking my parents to pay for squat, do you know what cosigning is?

 

[Fingolfin269]

A loan to cover classes and rent over the summer? How about getting a job over the summer instead of going to school?

 

[Len12345]

Two things:

Getting your credit checked shouldn't impact your credit at all only taking out a new line of credit/credit card should.

My dad was able to co-sign on my cousins college loan, not that I'm at all happy about it, but he should have terrible credit and low income so it is possible one of your relatives or grandfather may be able to sign for you

 

[Acanthus]

Originally posted by: JS80
you have a 4.0 and you're not getting a full academic scholarship
if you're an independent, and 24, and broke, shouldn't you either get full funding from the state or be on welfare?
did you parents tell you from the beginning that they wouldn't help out? if so, a 4.0 student didn't really plan out the cost of college? if they suggested they would, you should sue them.

Of course im not getting a full academic scholarship. Im not getting a damn dime.

Im white.

My girlfriends best friend who is 1/4 black with a 2.6 is getting a free ride though. She didnt even have to ask for it, it was just mailed to her. Even worse, shes still claimed as a dependant and doesnt need the money anyway.

I supposed i could go on welfare, i dont even know how the welfare system works...

I was told by my parents that if my grades were up to snuff, that "theyd help me any way they could".

 

[Mo0o]

I guess it's just a different culture. My parents would never jeopardize my education in order "teach me something about life." Maybe it's just the Asian culture but to me, his job as a college student is to get the best education possible so he's in a position to get to the best graduate school possible. I'm not really sure what not co-signing a loan is suppose to do for him. There's plenty of time to learn about life later.

i can't imagine my parents not chipping in to my education, especially with the tuition i have. infact i dont know anyone at my school that's paying their own way, i dont think tis possible to work full time here and still get good grades

 

[Acanthus]

Originally posted by: Fingolfin269
A loan to cover classes and rent over the summer? How about getting a job over the summer instead of going to school?

If i want to go to school for an additional 18 months... thats an option, also, if you want to give me a free car and pay for the insurance. ( i know im sounding like a prick, but RTFT )

 

[flot]

Originally posted by: Acanthus

You cant get aid for summer courses. You can only use "leftover aid" from last year. (this is what finaid told me)

Back up. So is the real problem that you cannot get aid for the SUMMER semester?

Why not skip the summer semester, work all summer, and improve your standard of life dramatically for the next year.

Edit: Apparently someone else had the same thought. What's this 18 month crap all about? And sorry but if you are 24 you have lived on this planet long enough to figure out that you can buy a $500 car and pay insurance just like everyone else.

 

[Acanthus]

Originally posted by: flot

Originally posted by: Acanthus

You cant get aid for summer courses. You can only use "leftover aid" from last year. (this is what finaid told me)

Back up. So is the real problem that you cannot get aid for the SUMMER semester?

Why not skip the summer semester, work all summer, and improve your standard of life dramatically for the next year.

Read the thread.

-The summer courses cut 18 months off of my double BS.

-I have no transportation, the school is the middle of nowhere, not even public transit comes here.

-Im trying to get the maximum GPA possible to get into the best grad school possible.

 

[JS80]

Originally posted by: Acanthus

Originally posted by: JS80
you have a 4.0 and you're not getting a full academic scholarship
if you're an independent, and 24, and broke, shouldn't you either get full funding from the state or be on welfare?
did you parents tell you from the beginning that they wouldn't help out? if so, a 4.0 student didn't really plan out the cost of college? if they suggested they would, you should sue them.

Of course im not getting a full academic scholarship. Im not getting a damn dime.

Im white.

My girlfriends best friend who is 1/4 black with a 2.6 is getting a free ride though. She didnt even have to ask for it, it was just mailed to her. Even worse, shes still claimed as a dependant and doesnt need the money anyway.

I supposed i could go on welfare, i dont even know how the welfare system works...

I was told by my parents that if my grades were up to snuff, that "theyd help me any way they could".

wow, your parents are dirtbags if they won't cosign a college loan that's a measly $3200. i would do the CC route and take it ITB.

 

[flot]

Originally posted by: Acanthus

-The summer courses cut 18 months off of my double BS.

I must be blind, I don't see the explanation for this one - how is that possible? (how could "3 summer courses" possibly have that big an impact?)

And for the parents comment - it is SOMEWHAT legit that your parents might not want to cosign a loan for you right now, if they are on the verge of getting their own loans squared away. Did you go over the situation in detail with them, and/or is it possible they would either cosign or front you the money AFTER their own financial thing goes through?

 

[JS80]

Try Prosper.com

 

[FoBoT]

Originally posted by: Mo0o
I guess it's just a different culture.

i think you are correct

OP , you need to get adopted to an Asian family


good luck! :sun:

 

[Wreckem]

Originally posted by: Acanthus

Originally posted by: FoBoT

Originally posted by: bonkers325

Originally posted by: FoBoT

Originally posted by: Mo0o
It boggles the mind that some parents do this to their kids. So what is their reasoning on not cosigning on a loan for their son's education?

it isn't his parents responsibility , he is an adult

but he's still their son, which obviously means squat if they wont help him out of this bind.

so you think my dad is a "bad father" since he didn't pay for my college? :roll:
you don't know my father or the OP's father

some people are better off without a silver spoon

Well since the republicans cut education loan funding by 80%, there are a lot more people that have to take higher, and harder to get, private loans.

Im not asking my parents to pay for squat, do you know what cosigning is?

Uh, no they didnt.

Federal Loans are easy to gets. Its just you only get a certain amount of aid per year.

Im 24, finally an independent student, and had a full time job(or two) the year prior. From the feds I got.

4050 in federal loans
7500 in federal loans

Why do you have to work off campus? Most universities have plenty of 15-20hr week jobs for their students. That would give you the money to pay for summer school.

And honeslty I call BS that not taking classes this summer would add 18 months on to your degree plan.

 

[Acanthus]

Originally posted by: flot

Originally posted by: Acanthus

You cant get aid for summer courses. You can only use "leftover aid" from last year. (this is what finaid told me)

Back up. So is the real problem that you cannot get aid for the SUMMER semester?

Why not skip the summer semester, work all summer, and improve your standard of life dramatically for the next year.

Edit: Apparently someone else had the same thought. What's this 18 month crap all about? And sorry but if you are 24 you have lived on this planet long enough to figure out that you can buy a $500 car and pay insurance just like everyone else.

The double major is a 5 year program, by taking gen ed courses in the summer, i cut 3 semesters off of my total stay, and can take masters courses as a senior.

I dont see how a minimum wage job is going to pay for those classes, and a car, and insurance, and rent.