<p>Hi i’m a need college student and i’m 1666.16 in debt to my school due to random fees and the schools health insurance. i accepted 2 Stafford loan (sub and unsub loan) and had another loan the parent plus loan but my mom does not want to accepted it because she doesnt want to pay on it and don’t want it on her credit report.</p>
<p>Are you working now? Can your mom come up with any money? You might ask you school if they offer a payment plan and/or a campus-based loan fund. You may have to get the money from several smaller sources if you don’t have a family member that can help…but sometimes it’s a lot easier to get a few hundred here and there!</p>
<p>nope me and my mom dont have jobs and nobody want to cosign on a loan with me.</p>
<p>Are you looking for work? How did you pay the balance due last semester or did something change between then and now? </p>
<p>If you can’t come up with the money soon, please talk to your FA office and/or advisor about withdrawing from classes before you incur any more charges! Schools will often disenroll students with unpaid balances and they will not release any transcripts until the amount due is paid. Unfortunately, withdrawing late means you end up owing for classes that you never got to take!</p>
<p>im looking for work but probably wont find it and i just started this semester. i was looking at the Perkins Loans how can i apply for that loan.</p>
<p>Unfortunately, you can’t really apply for a Perkins loan. Schools only have a limited amount of Perkins money to award each year. You can make an appointment to see someone in your financial aid office and ask if they have any Perkins funds left that they could award…but often Perkins loans are for small amounts each semester, so it may only net you a few hundred dollars.</p>
<p>Are you required to have their health insurance? Aren’t you covered by whatever health insurance your mom has?</p>
<p>^You really do need to withdraw from those classes by the withdraw deadline, unless you come up with the money between now and then! Otherwise, as sk8rmom said, you could very likely be billed for those classes, even if you have to withdraw due to finances!</p>
<p>so there are no kind of loans or private loans i can get what about the perkins loan and i heard that if my mom is denied the plus loan that will add 4000 to my Stafford loan but my mom said she don’t want to sign up for it at all…so is there any other way to get my staffrod loan amount raised.</p>
<p>also my EFC was 0000 i thought that meant i would get enough federal aid</p>
<p>sorry sk8rmom didnt see your post. i just reapplyed for the heath insurance my moms on(it got turned off when i started a summer job and nobody ever told me) but i might not get added on till Feb 4ish because it takes 10 business days to get into the system and the last day to waive it is the 28.</p>
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<p>What federal aid did you get? These are the federal aid programs - Pell (max $2775/semester), Stafford (max $5500/yr for freshmen), Perkins, SEOG, work-study. The last 3 have limited funding and there’s no guarantee you would get them as a spring admit, though that may change in the fall. The only other federal grant for freshmen is the ACG, which is only $750 for the first year and has academic qualifications. ACG is going away after this year.</p>
<p>Please go see your financial aid office on Monday. They really are there to help and it’s possible they may be able to come up with a solution for you. You can ask them about private loans that may not require a cosigner…if you’ve had a job and have a good credit rating, it’s possible you’d be approved since the amount is small. But make sure you know what the tuition liability schedule is just in case!</p>
<p>i only got the 2775 in the pell gant and 5500 in safford loans but i only got a 444 state grant which all adds up to 8719.00 but i also had the parent plus but my mom didnt want to even look at it and yes im headed out to financial aid office on monday.</p>
<p>Wow, $444/semester seems pretty low for a state grant with a 0 EFC…what state is this? Do you know if you qualify for an ACG? Those are sometimes awarded late since the school has to verify HS transcripts.</p>
<p>the state is ohio and i dont even know what the ACG is but i’ll look into it.</p>
<p>EDIT-im not Eligible for ACG</p>
<p>so if i withdraw do i get a refund on my housing i only been here for maybe 2 weeks</p>
<p>No probably not. Please talk with someone in your FA office today and find out what all your options (and liability) are!</p>
<p>I went down there yesterday and they just told me to withdraw because they down have any other loans i can use.</p>