<p>Four years ago my college fund had some money it. Then my family decided to adopt three children, but we discussed that we would need to use the college funds to finance it. Then once we adopted them we found out real quick that they we special needs children and all the family funds were spent on helping them. </p>
<p>My family, has a EFC of 12,000 and my parents cant afford to pay anything. I thought that they would co sign a loan for the 12,000 and now I found out they my family took out additional personal loans to pay some of expenses and there credit is shot. </p>
<p>I have applied to every scholarship I can fund, even ones I dont qualify for, to no avail. </p>
<p>How can I get a college loan to go to school???</p>
<p>Erica, have your family apply for the direct plus loan. If they are refused, you will be eligible for an additional fed loan of I believe $4,000. I know that doesn’t entirely solve your problem, but it will bring your loan eligibility up to $9500 for the year. In addition, write a letter, call or meet with the financial aid department and ask what’s possible in your circumstances. Your school of choice may help you out more than you think. So don’t give up. Eg. medical expenses for special needs children might not have been fully expressed in FAFSA etc. There might be wiggle room.
Don’t give up!
Cheers,
K</p>
<p>Erica, I see from another post you are looking at UVA, W&M and UGA. Did you discuss school choices and financing with your parents before applying? It would be a good idea to look at some rolling admit schools that might offer you some merit aid.</p>
<p>I actually look at several others, like
Agnus Scott- 73000 scholarships- Still 17,000+ in loans per year
Lee university- Scholarships- still 16000 in loans per year
randolph college, randolph Macon and Eight other schools and I would still have to pay 16000 to 21000 in loans a year.</p>
<p>UGA so far is the cheapest at 10000 in loans.
I am waiting on UVA to see what they come up with. They actually looked at the taxes and deductions, no just income. My dad made 81000, he had a heart attach so we spent about 15000 on medical bills. </p>
<p>I reckon I just cant go unless I finance all those expenses.</p>
<p>I know that you did your best to come up with a good college list. But sometimes things happen (like your dad’s heart attack) that force a change in plans. You may not be able to afford the college that you like the best, but you can indeed go to college.</p>
<p>What you should do is take a long hard look at all of the public colleges, universities, and community colleges in your state of residence. Are any of them in commuting distance? This could greatly reduce your living expenses.</p>