@mommdc Hi thank you for your comment and giving me ideas about my sister too.
My sister told me that although she has to pay $15,000, she said she hasn’t exhausted the loans she could borrow, so she said she can borrow for all $15,000. She just prefers not too, and is currently looking for work studies because she just became eligible for that this fall. So after all, it may not be necessary for my parents to help my sister.
But my mom hand my sister have been discussing that my mom could enroll into a local CC that my sister went to, and take easy online classes and my sister can study to earn the grades, and get enough credits to receive the Pell Grant, so it can help pay for my sister’s college. So pretty much just using my mom’s name for the CC.
My sister is considered a Senior in undergrad looking to graduate in December of 2016, but she’s already been attending CC+State University for 6 years now moving onto her 7th year. This isn’t because she’s been slacking off or working in between. If we were to blame someone it will be our father, but we had a hard time navigating through college and the payment since we moved from a different country about 7-8 years ago and we had no idea at all about managing life in a different country nor about attending college in a different country.
So since my sister can get all of the $15,000 with loans, do you think it’ll make a difference if I contact my FA counselor about it?
And do you know if it is possible to ask for a change in my FA package in the middle of the year if something like income of the family or number of people attending college changes during the year?
Since I live near the State University my sister attends and the one I’ve been considering, I was wondering if I can create an University ID card and pay the Deposit at that University so I can find work study there, but that will be considered that I enrolled in that State University, and I will lose my freshman status at Rochester right?
I heard that if you work and earn a certain amount of money (about $6,000?) you can get your FA cut in some ways. But work study will not be subjected to the cut of FA, but that’s probably is I attend UR and get work study from UR I’m assuming?
I couldn’t land on a job this summer, but I’ve earn about $500-600 from tutoring someone ($12/hour) in the spring and beginning of summer. That person said if I said in my hometown, they would like me to tutor her again, and although I said I can’t because I will attend UR, I maybe able to ask if they need tutoring if I decide to defer my admission.
My sister has been applying to jobs but not hearing anything back. She’s still trying.
I got my health insurance waived because I will be getting NY medicaid once I land on NY.
I’m kind of leaning over to deferring my admission, because I really don’t care I graduate a year or two later compared to my peers, as long as I can manage the cost and attend the school I want to to learn what I’m interested in 
Thank you so much for your input! Would you mind answering some of the questions I asked too?
It’ll be a big help for me! And sorry for making it really long.