I want to go back to college I have no $ bad credit & no help from parents I cant get grants or aid. hopeless?
Posted by | Posted in Credit Help | Posted on 30-06-2010-05-2008
12
Im 22 and have been out of college for over 1 year. My parents provide no financial assistance; yet the government and school won’t provide me with aid because of my parents income. The estimated family contribution is too high. I work monday-friday 9-6 and cant make ends meet as is. I have terrible credit and no shot at school loans or grants. I have wanted to finish school and i am in my junior year. Because i was working 3 jobs to pay for school my grades dropped tremendously and i was put on academic probation. I have the determination and drive to make something of myself, just cant find a way to afford living and going to school. I am nobody special- i have no family involved in organizations who provide scholarships & my grades arent good enough to be awarded. I was recently accepted to the university i wanted to attend & am so excited but i dont know how i will afford it. Can anybody give me any advice? I appreciate any help on my problem. Just cant find a way to succeeding:(
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Have you applied for student loans? I, too was ineligible to receive grants because of my parents’ income. I paid for my undergraduate degree with hard work and student loans. Pretty much anyone can receive a Stafford or Perkins loan, regardless of their credit history. You should talk with the financial aid office of your school. They can help you with the paperwork and inform you of your options.
bad news, your not yet 24 and can’t claim independent status.
now you can talk with school and ask if they make certain exception but I expect they won’t.
Its one issue that unfortunately the feds failed to recognize. some kids have parents who refuse to help, their income should not be taken into account
Join the military. You can get a big bonus and education money.
try going to school part time, you know a few credit hours a week and in no time you will have your degree
I know it’s rough. Part time schooling is my plan for after I graduate in dec with my first degree. Then my parents refuse to pay so i’m going to save as much as i can between dec and august and hopefully have enough to take 3-6 credits, just to start earning my teaching degree 
I hope this helps…good luck
Talk to your financial adviser at school. You may want your parents to stop claiming you as a dependent on their tax returns.
Take care
you could try to get unsubsidized student loans. your credit is not an issue with student loans unless you have defaulted on one before. Believe me, I know, my husband had filled bankruptcy in his previous marriage and he was still able to get subsidized loans. you might not be able to get subsidized with your parents income, but you could possibly get unsubsidized. Just talk to the financial aid advisor at the school you are wanting to attend and tell the the situation. They will give you any advice they know about. You might could even try to get a student loan through Sallie Mae. Especially if you could possibly get your parents to co-sign since they won’t pay. Sallie Mae will do it with a co-signer no matter what your credit. Just talk to financial aid and maybe give Sallie Mae a call. I am sure you can at least find a way to get a loan somewhere. Good luck to you.
Student loans are much less focused on your credit because once you’re earning it is automatically deducted. Try talking to a financial advisor at the uni, and you also have to look at your spending habits. If you’re working full time and struggling to make ends meet at your age, you have too many financial burdens, see what you can get rid of and think about deferring for one more year while you save up.
If I were you, I’d write down *every* payment you make from now on! From then on, you can eliminate things that are “wasteful” and only spend money on the things that are absolutely essential to what you want.
Also, I would talk with the financial aid office and guidance counselor at whatever college you’re trying to attend, as they may be able to help you go back to school despite your student debt, bad credit, or any other financial worries that you may have.
Like Laura said, your credit won’t be a problem as long as you have not yet “defaulted” on your loan; which I doubt you have…
Sincerely,
Thomas Anderson
If I were you, I would write down *every* payment you make from now on! From then on, you can eliminate things that are wasteful and only spend money on the things that are absolutely essential to what you want.
Also, I would talk with the financial aid office and guidance counselor at whatever college you are trying to attend, as they may be able to help you go back to school despite your student debt, bad credit, or any other financial worries that you may have.
Like Laura said, your credit will not be a problem as long as you have not yet defaulted on your loan; which I doubt you have…
Sincerely,
Thomas Anderson
Just talk to the financial aid advisor at the school you are wanting to attend.
You can try to get unsubsidized student loans. your credit is not an issue with student loans unless you have defaulted on one before. Just talk to the financial aid adviser at the school you are wanting to attend and tell the the situation.
Try to get some part time job which will earn you income wish it will help you thanks.