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Obtaining housing for next semester. . .
DasUberEdward
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Registered User regular
So i'll be going into my third year of college next semester. I have no idea where i'm going to live or how to go about acquiring a loan or whatever to help pay for an apartment near campus or something of the sort. Basically my parents have tired of my lackluster performance as a student and cut me off. So I ended up moving back home after winter break and attending a regional branch of my university to finish the semester. I have had a job since I was sixteen or so and i'm twenty now so I know that's my first step into making it on my own.
What else should I be doing? I can't get a loan without a co-signer so how on Earth can I live anywhere or even afford tuition next year? Living at home next semester is a drastic option, with my alcoholism and habits it would really do harm to our family dynamic and I would like to do all I can to preserve that.
Oh and I'd like to do my best to not live on campus again. Part of my decision to return home and deal with all of the bullshit that entails was how much I absolutely hated living in a dorm.
What else should I be doing? I can't get a loan without a co-signer so how on Earth can I live anywhere or even afford tuition next year? Living at home next semester is a drastic option, with my alcoholism and habits it would really do harm to our family dynamic and I would like to do all I can to preserve that.
Oh and I'd like to do my best to not live on campus again. Part of my decision to return home and deal with all of the bullshit that entails was how much I absolutely hated living in a dorm.
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2) bite the bullet and go to a dorm (although a lot of the time dorms are more expensive than apartments)
3) Or start shopping around for apartments, find the cheapest/closest to school with people that won't shirk on the rest, or get an individual lease. I assume you filed your fafsa, check your school's webpage, they should have grants and loans for you, you just need to accept them. If you've been working for this long, you should have some bank saved up, right? If not, cut your spending. Stop drinking (at least as much) and eat at home more.
Also, for off-campus housing check to see if the University you're going to has a Student Housing service of some kind. I know at the University of Toronto they have a separate department that has a listing of apartments for rent just for students, and provide you with all the renting information you'd ever need when looking for a place to stay. I'll also second the note of campus dorms (at least in my case) being more expensive than the apartment I've had over the course of the school year, by a few several thousand $.
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very good and true advice. However don't cut your drinking. Just drink cheaper. bumwine.com is a good resource for getting blitzed on $2. Don't know what your current drinking habits are like, but there is a reason college kids drink crap like Popov. You want max quanity/proof for the lowest price, not quality.
Don't forget to hop on here and post us some fun things while you are riding the Night Train.
Or you could be smart and just follow the other posters advice.
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So that's why loans and what not are not exactly viable since I don't have the work career to be seen as a good investment. Right now i'm job hunting like a madman but to little avail.
you may hate it but at the end of the day cash in your pocket beats no cash
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I'm not sure why you think this is the case. You're still attending school correct? Student loans can be used to pay for valid living expenses (like rent), do not require a cosigner (unless you're under 18), and don't really require any kind of job/work history. Have you even looked into getting student loans for this? If you're already getting loans for tuition you basically just ask for a larger amount to cover the rent as well.
true with fafsa for the most part
So I could have the entire thing transfered over to me through FAFSA?
(Apologies for being a spoiled idiot.)
You can also take out private student loans (though these will have a higher interest rate than federal) to cover the balance of tuition/expenses. Places like SallieMae offer private education loans.
What trouble did you have in the past? My freshman year, I had to have a cosigner on all my loans because I was 17 when I was applying for the loans (even though I was 18 by the end of the summer when I started school). But each year after that all my loans (federal and private) are in my name only, and I had had almost no credit/job history before college. Student loans are a different animal than regular private loans. Sure if you walked into a bank and asked for a loan to cover your rent while you were in school and had bad/no credit history and no job they'll laugh at you, but that's not the case with student loans.