<p>To start off, I just wanted to say the fact I was screwed over is partly my own fault for filing 2011-2012 FAFSA too late but what’s done is done and I can’t really do anything about it now.</p>
<p>I’m a sophomore in college majoring in Biology. I attend a state university and I pay 3000-4000 per semester however, classes for the spring semester starts on Monday but come to find that I’m not able to register because I owe the school more than 3000. My bill now is roughly around 4600. This includes taking calculus II over the summer which costed around 1000. I already have submitted the direct loan MPN for myself as well as my mothers (Parent Plus). However when I went to the financial aid office and they said I would need to take out additional loans to cover the rest of the fees. They gave me a sheet to apply for the 2011‐2012 William D. Ford Federal Direct PLUS Pre‐Application. </p>
<p>The girl in the office did a quick calculation and told me to request 8000 to cover the entire year. Here’s the thing, classes start MONDAY and the girl told me it would take 3 weeks to hear back on whether the loan is approved or not. There also is a chance that I will get denied. Honestly, I don’t want to register for classes 3 weeks into the semester. As a biology major, the classes I’ll be taking are very intense and it’s guaranteed professors will assign exams and quizzes after the first week. I’ll be so behind.</p>
<p>There absolutely is no way for me start the spring semester this Monday UNLESS I make a payment so that my bill remains under 3000. She said that if the loan is approved, I will get reimbursed. I don’t really have 1600 dollars lying around to make a payment by Monday and my mom doesn’t want to help me because she’s still paying off for my freshman year. She doesn’t know much about loans anyways, she just signs papers and pays what she has to.</p>
<p>What should I do? I don’t think emailing professors telling them I will be enrolled later on would be wise because all the classes are filled up and my school is doing a new thing where they won’t allow more than 19 students in the class. Should I just go to the office and pay 1600 (this would be literally EVERYTHING in my bank account from working 6 months at a minimum wage job) and bum off my mom until I’m financially stable again? Or should I just take the semester off and work full time to pay off my debt? I’m really stuck and now I’m bawling my eyes out because I really don’t know what other options I have. Please enlighten me :c</p>
<p>Are you saying that the $4600 is a balance left over from summer and fall semesters? If so, you’re going to owe that money anyway so you might as well pay it now. I’m a little confused by this:</p>
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<p>Are you saying that your mom already has a PLUS loan for this semester and is now applying for another one? If she doesn’t want to help because she’s still paying for freshman year, how does she feel about taking more loans in her name that she will be responsible for?</p>
<p>It sounds like this school isn’t affordable right now and you’re only a sophomore. I think you should wait to register until you’re clear on how the finances will work out, especially if you think you’ll receive better aid next year. Better to get in front of this now than to drive your bill higher and possibly have your enrollment cancelled.</p>
<p>Yes 4600 is left over from summer and fall semester. In order to enroll in classes I have to owe the school less than 3000. Well I applied for the Parent Plus loan when I filed for FAFSA 2011-2012. I went to financial aid office and they said they have received the MPN for Parent Plus loans yet which is strange because I got an email from the student loans website saying I’ve successfully submitted it. That’s why they gave me another application to take out more loans. She doesn’t want to take another loan under her name and very reluctant to help me. So the best option would be for me to hear back about the approval of the loans and then register? I coud just pay off $1600 now, register, and then wait although I don’t know how feasible that is. I don’t want to take the semester off :(</p>
<p>Agreed with sk8rmom. Figure out how you are going to pay what you owe and for the next 2 years before you enroll again.</p>
<p>The title of this thread is not fair. The school’s financial aid dept did nothing to you. You screwed up by not filing FAFSA on time and it appears by choosing a school you could not afford. Don’t blame the school for either of those. Take responsibility for your own actions.</p>
<p>Did you take your student loans for summer/fall? If not, you should be able to take $6500 this spring and that, along with your $1600, would exceed the $8K they say you need.</p>
<p>I think it will be worse for you to register if your mom doesn’t want to take more loans. Your balance will only increase and the school will hold your transcripts until it’s paid off.</p>
<p>The Parent PLus loan is a loan with the Parent(s). The parent must sign the Master Promissary note not the student. If the finaid office is saying they haven’t received the MPN for the Parent Plus loan it is because your mother (or father) has not signed the promissary note…this doesn’t have anything to do with you. You would also not have applied for the Parent Plus loan unless you mean you helped your mother or father apply or you checked something indicating that it would be part of your finaid package (some schools list the federal direct loans and Parent loans in the finaid aid package that student then accept line by line or reject line by line.). Regardless it’s concerning because it sounds like this school is several thousand over your reach financially right now and you’ve still got a couple years to go and I’m guessing your mother didn’t sign the Master Promissary Note because she doesn’t want to take on any more loan debt.</p>