Long story short, my mom is the posterchild for r/raisedbynarcissists, and today my 20-year-old, unemployed-and-job-searching sister moved in with me and my roommate/partner. The two of us do NOT make enough money to pay the rest of her tuition to college for the summer/fall (~$6k out-of-pocket). I have a couple of questions.
- 1. Who is the best company to get private student loans through? She's maxed out on her federal subsidized/unsubsidized at the moment, and my mother's sister is footing the bill. Obviously, this will stop. She is currently a junior at a good 4-year state school and just got accepted into a really good Nursing program, so pulling her out of school is the absolute last option.
- 1a. She's also got the other various costs associated with college and being a nursing major: she needs scrubs, shoes, a stethoscope, books, etc. for this semester. Could a private student loan possibly cover all of the things she needs for the semester?
- 2. How common are "dependency overrides"? At this point, I will be providing half of her support, so she will legally become my dependent (I will fight it out with family when they try to claim her). She is still under 24 and needs her parents' information; could I give mine instead?
- 3. My mom pays for my sister's phone at the moment, and is cutting her service off soon. What's the best cheap prepaid phone plan?
- 4. She will also be without insurance. I am past the enrollment period at my job; is adding a non-child dependent generally allowed as an "extenuating/special circumstance"?
- 6. She's on a joint bank account with my mother at the moment, and my sister has a $1k scholarship for school coming into that bank account. Is there any way to make sure that my mother doesn't touch that money? (My sister is in the process of getting her own bank accounts.)
- 5. I'm her big brother and I hate seeing this happen to her. Not really PF-related, but any advice on how to be there for her?
Thanks so much guys. She's in the next room freaking out and I'm trying to take steps so that she can still succeed to spite my mom for kicking her out and disowning her.
Submitted May 28, 2017 at 01:06AM by awaywethrowfinance http://ift.tt/2qo9JWZ
