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FAFSA troubles with parental information and documentation


Replies to: FAFSA troubles with parental information and documentation

  • marvun22marvun22 Registered User Posts: 18 New Member
    I deeply apologize. I forgot about this thread. I'll try to address every point

    First, the main situation that will answer many questions. My mom has always been the one to manage financials. In Fall of 2014, my mom suffered a horrible stroke. She has been rendered disabled. Unable to work or contribute in any way. Currently in a nursing home.

    Paying for college. It was originally understood that my first three years of college would be payed for, like everybody else's. But ever since my mom's stroke, bills have been piling up. My dad is somewhere in the process of trying to get medicaid. But there are still tons of bills. Medical bills until he actually gets the medicaid. Lawyer bills for helping him with all of the paperwork. It all adds up fast. And I had some clue in the back of my head, but he has just mentioned in the past week that he is unable to pay for my college for at least this year (and I'm guessing more).

    I still want to be a doctor. If the situation is as dire as it is being shown as, as much as I would hate to, I may have to give that dream up.

    1. I am not low income. My dad's gross income is north of 100k per year.
    2. My School (University of North Dakota if relevant) does not require FAFSA for merit aid. It costs ~$18000 a year and I will receive about $4500 per year in merit scholarships.
    3. University of North Dakota. I don't 100 percent understand all of the loans. I just know I need enough to cover that remaining cost of attendance. I don't know if my dad would cosign on a standard bank loan. I will definitely have to look into that.
    4. For this year, definitely not. Possibly later years they might.
    5. I definitely will have to now.
    6. Yes, I understand that I will have to pay for this year and later years are up in the air. The 3 previous kids have had their first 3 years paid for. The situation has changed.

    I know. I'm still hoping he eventually catches up and eventually stays afloat with taxes, FAFSA, etc, but I understand that that is unlikely. I guess that is at least four years away, so I'll continue to hope.

    I honestly don't think so. I know a lot of people who know my dad, and there are is one main perspective. "Your dad is so busy." "Your dad is such a great person." "He works so hard, between work and the kids (on a side note, he vastly exaggerates his contributions with us)." That's the response I get nearly every time I try gauging any issues/problems.

    He knows that about the taxes, but he just doesn't seem to care any more. All it does is incite anger.

    I'm honestly just trying not to tread anywhere near taxes with him. He's extremely disorganized and I think he's just past the point of caring. Mentioning it just does not seem worth it.

    I guess I'll just have to hope he'll cosign on a loan. I don't believe he's outright opposed to that.

    1. He actually does some of both. He has a standard job, but he also does some self-employed things, like the occasional welding or plumbing job. So there will be some issues with taxes I believe.
    2. He claims he talked to a tax person once. He allegedly gave them all of his materials and a couple of days later the tax person handed it back to him and said it is to complicated. Is that true? I don't know. I know for a fact he lies to his coworkers/friends about me and my sister. He lies to me about his personal life (He's seeing and talking to different women. I wouldn't necessarily mind, but he clearly felt like it was big enough to lie about. And in case I need to justify this to someone, I did not discover by snooping through his email/phone. I was cleaning out a vehicle and there were a couple of letters from someone who undoubtedly was a lover.). So I think he's a good enough liar where I can't be sure if he's being honest.
    3. We're definitely not low income.
    4. He made about 110k, so I'm assuming EFC will be whatever is not covered by my merit scholarships.
    5. Working and CC definitely isn't an ideal scenario, but I will definitely consider it.

    Thanks, I will definitely have to do that.

    I originally checked that he "is planning to complete," but, as the situation moves on, I just realized that it's not happening. His anger with taxes/FAFSA and disorganization in essence make him unwilling to release information.

    Definitely not ideal, but I will have to consider it. Thanks for the advice.

    I never thought of that. Although that actually makes sense. His preference for problems is definitely avoidance. If he has something that he doesn't want to face, lying and stalling are two methods he'd definitely utilize.

    See above. Sorry about that. Probably should have mentioned. Although it's not something I usually shout from the rooftops.

    1. I retested and got a 32.
    2. My dad said he would for the longest time. But I was informed a short bit ago that I would be on my own at least for the 1st year. That was my fault. I guess I took it for granted.
    3. I still plan on pre-med for now. Many of the required courses for my major(chemical engineering) actually covers many of the med school pre-reqs and my electives for my major cover most of the rest.

    Again, not ideal, but it is something I will definitely have to look into and consider.

    Yes that is what I was assuming at the time. But now I am definitely on my own for this year and potentially for all of the other years.

    Thank you everyone for all of the advice and support!! This is a lot more dire than I originally assumed. Any advice is greatly appreciated.
  • mom2collegekidsmom2collegekids Registered User Posts: 82,683 Senior Member
    Many of the required courses for my major(chemical engineering) actually covers many of the med school pre-reqs and my electives for my major cover most of the rest.

    Yes, they do. My son was a Chemical Eng'g premed. However, be warned, it's one of the most difficult premed paths.

    Are you very strong in the sciences?
  • raclutraclut Registered User Posts: 3,319 Senior Member
    edited July 2017
    My concern is that it is very easy for healthcare costs to spiral out of control and along with taxes possibly owed along with penalties he might not be in a situation to help you. I agree that if you plan to apply to med school in the future you want to graduate from your undergrad school with close to zero debt if possible.

    I know of a school that offers a scholarship of four years full tuition but I believe you will still have room and board expenses. You have to apply to the honors program and apply Early Action (Nov 1st) and they do have an engineering school but not chemical engineering. As a backup plan if you decide not to go to med school they do offer a 5 year bachelor's/master's program. The top 20 students that get accepted into the honors program obtain this University Scholars Scholarship.

    This school has lots of research opportunities and partnerships with two med schools in the area for students who meet a certain gpa the first two years of college. This is known as the early assurance program.


  • OspreyCV22OspreyCV22 Registered User Posts: 1,648 Senior Member
    I'm just throwing out there that if you are in the military reserves you are considered independent on FAFSA. For some reason my younger son is interested in the Coast Guard.
  • BelknapPointBelknapPoint Registered User Posts: 3,061 Senior Member
    I'm just throwing out there that if you are in the military reserves you are considered independent on FAFSA.

    Under certain circumstances, yes. But better educational financial aid should never be a top reason for making a commitment to the U.S. military (my opinion).
  • austinmshauriaustinmshauri Registered User Posts: 5,962 Senior Member
    My brother was career Air Force. He's firm in his opinion that the military isn't a scholarship service. The only people who should join are those who want to pursue a military career.
  • thumper1thumper1 Registered User Posts: 64,970 Senior Member
    I am sorry your family is dealing with a very difficult situation.

    There are a number of things that need to be addressed, so I'm going tomagree with @mom2collegekids about a gap year to sort this all out.

    BUT it has to be sorted out. Do you have any trusted family member who can help you? An aunt or uncle? What about your school counselor or a clergy person?

    The other thing...discuss the gap year idea with your dad...and explain that you very well could receive sufficient MERIT aid without his finances being taken into consideration...IF you apply this fall to a different set of school.

    See what he says.

    But I agree...your fa,ily has a lot on their plates.

    Do you have siblings?

  • mom2collegekidsmom2collegekids Registered User Posts: 82,683 Senior Member
    edited July 2017
    His siblings are older and already thru college. That's why he thought that dad would pay for 3 years, as he had done for them.

    This student is the baby, I think.

    Maybe a trusted older sibling can help dad sort out the taxes.

    Dad made an angry comment about quitting his job to find time to file taxes. At first that sounded like he didn't have the money. Now, after learning about mom, it just sounds to me that he's overwelmed, depressed, sad, etc.....and his wife used to take care of these financial matters.
  • thumper1thumper1 Registered User Posts: 64,970 Senior Member
    Thank you...and that is why I asked.

    I would hope that the older siblings would be able to somehow help out.

    1. While a gap year might be good, perhaps this student should go to,college now if the finances can be worked out. He or she has been living with a very disabled mom, and an overwhelmed dad for three years or so.

    2. I hope someone can help this student.
  • rosered55rosered55 Registered User Posts: 2,859 Senior Member
    edited July 2017
    It's hard to know whether this would be an issue based on the limited facts here, but because the OP mentioned that the father is attempting to get Medicaid coverage for the mother, I will mention that paying college tuition might be treated as a divestment for Medicaid purposes. And even if it's not, the Medicaid application process is difficult, so I understand the father feeling very stressed.
  • thumper1thumper1 Registered User Posts: 64,970 Senior Member
    UAH....still taking applications? And with merit? Would this cover this student's full costs?

    However, if he is from ND, he might want to be a little closer to home.
  • marvun22marvun22 Registered User Posts: 18 New Member
    Alright here we go again, I'll try to address everything.

    I double checked my cost of attendance at UND, and they only included scholarships that the government/they provided. So my cost of attendance all year is roughly going to be 11,300. Now that still doesn't help considering the Stafford loan maxes out at $5500. But it's new information nonetheless.

    Also, I completely forgot about my SAT. I scored a 1510 on that, which apparently is equivalent to a 33 ACT, so that's one point higher.

    And I saw this mentioned a couple of times. I unfortunately do have a younger sister. But she is going to be much better situated than I am. She is much smarter than I am. And the college she plans to attend is much cheaper. And as long as she gets a high enough ACT score (which I know she will) she won't have to pay a cent for the tuition. She'll be able to exit with very little even if she gets no parental support all 4 years.

    I'll definitely look into those colleges.
    Science was definitely my strong suit in high school, but I know thermo and organic chemistry are a whole new animal.

    Thanks I'll also do some research into George Mason.

    I'm sort of in agreeance with the latter two. I know I have my back against the wall, but I don't believe that I should take advantage of any group like that.

    I definitely agree. He could be facing many of these emotions. I know he's definitely overworked and is facing more than most people. But at this point, my frustration is just starting to seep through. I've been told throughout my whole life, "You're an extremely smart person. You can do and go wherever you want in life." And while I know that is an extremely overused phrase, I believed it. I worked hard in school, maintained a great GPA (3.99 unweighted), and rocked my ACT/SAT. Along the way, I'd pick up my favorite hobby ever (marathon and half-marathon running). And about a month ago, I had orientation and I signed up for my classes. The fact that I may have to give up my dream is devastating. And I know "it's only a gap year," but, especially around here, I have heard of and even know people who took what started off as a gap year only for that gap year to signal the end of their education. I know my dad may get his financials in order, but it's just as likely that he doesn't. The fact that I'm being held back by forces beyond my control is something that I am just struggling to deal with.

    I'll have to have a long talk with him. He does not realize (and neither did I until it was pointed out here) that I need loans or I cannot go to college. But like I said, he prefers avoiding and stalling when he faces big problems, so I just don't know if anything will ever get caught up.
    And the older siblings will likely not be able to help out.
    3rd oldest sibling: Still in college. She joined the National Guard. She's going to start year 2 of a 2 year college in August and is riding a GI bill and money earned from her summer job/basic/AIT. But she won't be able to help support me.
    2nd oldest sibling: Just graduated a 4 year this past May. Not a very high paying job out of the gate. Making it through, but it's not like she's in any position to help me out.
    oldest sibling: This one really frustrates me. She graduated a 4-year in 2016. But since then, she's moved back home and only works part time and from everything I've gotten from talking her, has no future ambitions and doesn't seem to mind. Definitely cannot help.

    Trust me when I say that distance does not matter one bit to me. I've been scouring far and wide looking for a way to figure everything out. I've looked at colleges in North Dakota, South Dakota, Texas, California, Florida, Massachusetts, and every other state. I don't care if I have to cross an ocean. I've actually found two universities in Europe that match my major with the fact that I'm monolingual and that seem to be cheap, although I'm still researching to make sure that holds true for international students.

    And in case anyone randomly happens to know anything about these two universities here are their names.
    1. Polytechnic Institute of Bragança (Portugal)
    2. University of Debrecen (Hungary)

    And I'm still looking.

    Once again, thank you everyone for the advice and kind words.
  • mommdcmommdc Registered User Posts: 9,342 Senior Member
    You are smart too, you said your younger sister is smart, but 3.99 uw and 1510 SAT, it doesn't get much better than that.

    What college can your sister go to for free and would that be an option for you too.

    If your net cost at UND is still over $10,000 and you cannot get the student loan because you can't file the FAFSA, then you can't afford to go there. And dad can't help because of all of the medical bills.

    Are you NMF?

    @mom2collegekids is it definitely too late for UAH for this year?
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