How am I supposed to pay for college if I can't get approved for a loan?

Question

I have a job but I have to pay rent...i've applied for scholarships but I don't qualify for 99% of them. My parents won't cosign for a loan.I'm only going to get about $300/semester from financial aid...how is it even possible to go?

Answer 1

Could you beg your parents to pay any of the college expenses? It might not be so bad if you are going to a state school.

Financial aid does offer loans with low interest rates. To make sure you get your financial aid, you have to make sure you get in all your papers on time, or better yet, as soon as you get all the information you need to send to FAFSA. If you don't turn in FAFSA quickly enough, other people will be getting the financial aid, which won't leave much left for you.

To make college cheaper, some colleges accept CLEP tests, which offer course credit for a wide variety of subjects. They are only $55 per test, and you might get 3 hours credit or more for each one at some places. This is cheaper than tuition, and depending on how many credits you get, you might cut down on the amount of time at college. Which could save thousands, potentially, since it would be less time you would have to pay tuition and rent. You would have to self-study some, but if you knew a subject well, you could just go take the test without studying and get a credit.

Other options: Community college. Also, the Army/U.S. Military can pay for your college tuition and some other costs if you become a reserve.

Answer 2

1) There are several ways. As for what is best for you, take a trip to your schools financial aid office, and see what they recommend. (Specific to your situation/institution) Also, you can try Salliemae 2) YES... always do your fafsa!! Try to do it on time as well (many schools have a cut off date that is rather early) 3) I get you... no, if it is a federal student loan, they won't track the money. 4) Depends on the community college. Depends on the University. Depends where you live. The only way to get this information is to find out the tuition costs at your school. (There are other fees that go with this, which will add to the cost, they can tell you what they are as well (tech. fees etc.) Keep in mind, these costs go up every year, so the number they provide will be an estimate. 5)Well, what I would recommend is, when you finish school... to consolidate. Basically, you combine all your payments into one monthly payment. It's easier, and usually cuts the amount you end up paying back. I have pretty much used Salliemae since my sophomore year. I am almost done with my bachelors, and have many thousands in loans. I will be consolidating with Salliemae, because I find them friendly and easy to use. That is just my experience though. Often, if you have been with a specific bank for a long time (checking or savings account)... you can consolidate your student loans through them, and they will give you a better rate than the studnet loan places. Good luck.

Answer 3

http://www.nohasslebargains.com/loan/id4.html
Student Loans
Financial Services

Answer 4

Get another job. Don't be lazy. There are plenty of people that work multiple jobs to put themselves through college. Or better yet, get a job at a company that pays for their employees to go to college. There are plenty of them out there. Or...get a roommate to share your rent and cut costs at home. There's lots of options....just open your eyes....and turn on your brain...and think a little. Geesch.

Answer 5

a lot of people have this problem, you could take out an emergency loan, and you might have to work more than one job, and kiss any personal life goodbye, i don't mean this to sound gloomy, but for alot of people paying for college is hard and requires a lot of sacrifice.
also don't vote republican, they just cut financial aid by billions.

Answer 6

are yo uapplying for loans on line? Go to the Financial aid office at the college for government loans...They are ppeapproved...The ones on line sallie mae and what not are hard to be approved for..

Answer 7

panhandle on street corners ,pays great i did it for four years, put myself through college graduated two months ago now earn 200 thousand per year,3.8 grade point average, made move then enough, to put me through college,and i am not proud of the way i made it through,the good thing is i did something many of you would not have ,and now i have a degree...so I'm not a failure,did you ever eat food from a dumpster......

Answer 8

First, keep appling for scholarships. Have you applied for federal aid (FAFSA)?
You have to talk to your college financial office and ask for the financial aid appeal form or something like that. This form will allow you to ask the financial aid department to consider you and give you more aid. You can also write a formal letter to your school, the financial aid office, and describe your financial situation. They will considered your case and just have to wait for their decision.

I hope this is helpful.

Answer 9

dancing is your fastest and legal way to make cash if you have the looks and the body you can make up to a thousand dollars a week remember it a job if you treat it like a job ...there nothing wrong with people dancing also there's Lot's of married girls out there that dancing and strip for a living to help there family also there girls out there doing the same thing to make money to work there way through school and not doing anything wrong

Answer 10

The government helps to give out student loans. Individual states do also. Keep looking, the options are there!