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The red flag here for me is that the OP stated that his/her counselor said she'd have to declare him/her at risk of being a homeless teen. There may be more to this than we know. It is between the student and the counselor to decide ... OP, please discuss this with your counselor and find out exactly what you should be doing.
If mom lost her job & she is truly struggling, and the student is actually still a dependent student, then student can request a review of the financial situation to reflect the mom's current financial situation.
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