@KDhomie Tax filings… He has you as a dependant but you are almost 20 and live independently. Are you receiving any benefit? Is he paying for your insurance? Is that part of your job? Are you receiving the tax benefit from your tuition? https://www.thebalance.com/american-opportunity-tax-credit-3193001 Or does your dad keep that? Can you ask for it or file taxes differently so that YOU get that money? There are smart people here who may know this, can you reduce the amount that you pay in taxes if you contribute to a 529 for yourself?
@TQfromtheU She must be a sophomore if she is receiving $6500 in loans.