My federal loans, pell grant, and private loans don't cover my educational expenses. What can I do?

Question

This is my fifth year which is why i'm having trouble....i'm working and that covers rent and food and stuffed and i tapped into my credit cards to fix my car and computer and pay for car insurance..... i get kicked of my parents health insurance next month and i need to get that as well because i do see a doctor regullary for somethings..... i also need to get some money to fix a car i hit..... are there any educational loans out there that dont check with the school... i also need to buy books here again pretty soon. Mom can't help me...... dad is to stubborn to help me and thinks a college student could work well over 40 hours a week which is unrealistic and he is also to into his 7 day a week happy hours..... i'm kinda panicing cause i cant register for next semester cause fin aid sent 2000 in loans back unexpectedly and now i owe the school 2000 before i can....

i'm not eligible for work study because its a first come first serve thing and i got selected for it to be verified for the 5th time..... my car is a 1995 and its all mine not the banks....if i down grade any i'll be putting more into the car than i already am......i live off campus so i can't downgrade my meal plan or my board fee......i tried living off ramen and soup but my body doesnt like that it and that got me pretty weak and sickly a few weeks ago... tv and internet is included in my rent so i can cut back there... water and utilities are split with 3 others....if i got a health plan at the end of next month i'd be kicked off it in may when i graduate.....taking a semester off is unrealistic cause some of the classes i HAVE to take are only offered every other spring semester :-(

and you can't mow lawns in the winter under several feet of snow.....

and i'm already working 16-24 hours a week along with school

and i'm not available yet for health coverage thru work

does anyone understand the grace period educational loans have........ i cannot take off anytime from school..... i would have to start making payments on the loans that i do have........ its not a matter of getting back on my feet...... its being able finish a degree that will in return be the BEST possible thing i could have done ...... it will take more time for me to complete my degree as well if that is the case and then that prevents the time when i can start living somewhere i want to live and doing what i want to do and start making actual money to pay off the loans......... and really if i wait its only gonna cost like 20% more than it is now by the time the classes i need to take are offered again........

Time off is NOT an option...... it will be more costly in the long run to do so.....

Answer 1

I agree taking off will help you get back on your feet!then you can take more hours at work!I dont think taking out more loans would be a good ideal!

Answer 2

You may need to take a semester off and just work to save up money. Can you sell anything of value? Your car maybe? Not to get rid of it, but move to something less expensive. You should have a health insurance plan available through the school which is usually pretty reasonable. If not, there might be something available through your job. But your best bet is to not go into more debt, cut your spending and stop getting loans. Start putting some of the knowledge you paid so much money for to good use.

Don't rule out a work study program either. If you're in your 5th year, you're almost done. So you should be able to make decent money somewhere.

But don't overlook extra ways to make money. Babysitting, lawn mowing, and the like. They may not be fun jobs, but if you are that desperate for money, suck up your pride and get to work.