Okay Reddit, this is a mouthful but I'm desperate for advice and don't have reliable adults with solutions in my life. I've searched Google endlessly but I need personalised advice
Tl;Dr for background as to why I'm in this situation: -My parents are toxic and mentally/emotionally abusive, they tried to kick my brother (John) and I out of the house, threatened to call the cops on us for trespassing, threaten us that they will ruin our lives the way we ruined theirs, charge for anything they can think of, and don't allow us to be home when they're home unless it's to sleep -I think something is wrong with my dad mentally but I can't get him to go to the doctors-- for example, he hangs out with Johns 18yo ex girlfriend and treats her like his daughter but does stuff to hurt John and I -My mom is completely on my dad's side no matter how much we try to reason with her, we've got a 10yo brother that we've stuck around for, and John and I are decent kids-- neighbors love us, bosses love us, teachers love us, we don't get into trouble or act shady... we just have very dramatic, erratic and aggressive parents
Here's my financial problem: -I attend U of San Diego, a private school that costs approximately $23,000/semester for only tuition, dorming is $5000 for a total of $28,000. My parents cosigned my last two semester loans with me but now I'm in my final year and they refuse to cosign again. They absolutely, completely refuse and said they don't care what happens. My cousin was going to cosign with me but had to back out for personal reasons and I have no other family or trusted adults to ask. -(Per semester) I have a scholarship of $9000 and receive $2000 in subsidized federal aid and $1000 in unsubsidized federal aid (which I try not to use). Financial aid covers about $11000/semester and I usually save $2-3000 to help pay... So I only need to take out $14-15000 in private loans (Wells Fargo) per semester -My Academic Advisor, the only adult I feel like I can turn to with my situation, helped me appeal to Financial Aid, the Dean and professors involved in student affairs so that I could get more aid. By the end of the process I was only given $4000/semester more. However, because of issue with my family I haven't been able to save up that $2-3000 so I still need $13,000 in loans -I've had a credit card for 10 months, with decent credit but when I applied for a loan they said it wasn't strong enough and I needed a cosigner -My parents make just over $100,000/year but I dont see a dime of it... I've been financially independent since I was 19 and I just turned 22. They used to pay for my car and cosign my loans but I've paid for everything else (health, food, gas, community college) by myself
Here are my questions: -Besides federal aid and scholarships, both of which I've already pursued, is there another option that will help me pay for school? -Can I somehow be declared independent even though I don't meet FAFSAs general criteria but I'm basically independent anyway? (I hardly even live at home also) -What are trustworthy companies that offer student loans for borrowers with minimal credit and no cosigner? -At what point is an interest rate for a student loan too high? -I also need a car but should I prioritize that over paying off my $2000/$3000 c.c. debt or should I lower my c.c. debt first? -What can I do to make myself eligible to borrow without a cosigner for the spring semester?
In advance: THANK YOU REDDIT!!! This summer has been hellish and devastating and I want nothing more than to finish my last year of school so desperately.
Submitted August 23, 2017 at 04:54AM by scrutinizingsimian http://ift.tt/2xbD9HF
