(Closed) College bees , have you ever been kicked out of your house?

posted 7 years ago in College
Post # 3
Member
274 posts
Helper bee
  • Wedding: November 2011

Wow, I am so sorry you are going through this.  I understand how frustrating it is to do your share of the housework, but nobody appreciates it, or worse, don’t believe that you do anything like in your situation.  Can you stay with your FI?

Post # 5
Member
2584 posts
Sugar bee
  • Wedding: June 2012

You can get a private loan without your parents. The interest rate will be high but it doesn’t sound like you have much choice. I completely empathize because I am in school full time (18 credits), working 30+ hours a week, and my parents are unable to help much with my finances. I do live on my own because my university is in another city, but I can barely afford to pay the bills.

First of all, you say you owe the school $5000… why? Is that in loans? If so, don’t worry about that at all right now, it will suck to pay back later but it’s just how it has to be done. Check your interest rate on the credit card, and compare it to a private loan, then decide which is more cost effective. Also, if you’re working 40 hours a week, may I ask what you spend your money on? If it’s school, that’s where the loan comes in. Did you fill out the FAFSA? Even if you’re considered dependent on your parents and they make a lot of money, you should still be able to get some loans from the government. If you didn’t fill it out make sure you do for next school year!Unless you’ll be graduating?

Also, are you engaged or waiting? I’m not sure if that’s your real wedding date, but once you’re married, you’re independent from your parents and can probably get more from the FAFSA. Fiance and I strongly took that into consideration when choosing our wedding date. We’ve considered moving it up even farther for that reason alone, though I don’t think we will.

Lastly, is moving in with your Fiance an option? If you’re waiting to live together until marriage, that’s fine, but it’s a thought. Can he help you out financially or is he in the same boat?

ETA: Another thought. Do you pay rent to your parents? Could you ask them if they’d be willing to let you stay until you finish college is you pay them some rent money, or offer to pay a couple bills? I know it’s not ideal, but your parents might only charge you a couple hundred in rent, while an apartment (at least around here) will run you $500+ per month for the smallest, crappiest ones.

Post # 9
Member
2584 posts
Sugar bee
  • Wedding: June 2012

@imalittlebirdie: You have grants? Well, in my case, I’ll be getting about $9000 free money from the government when I get married. So you need to look into how much you’d save or lose depending on what you do.

In all the mail I got from Sallie Mae, they guarantee you’ll get a loan. As I said, the interest rate will be crazy high, but it’s going to be your only option. I’ve been dealing with money issues lately and was in denial of needing a private loan. But it’s at the point where my only other option is dropping out of school. Yes, it will suck to have that loan, but a lot of college students do it.

What year are you? How many semesters do you have left? You didn’t respond to my suggestions about offering to pay your parents rent or move in with your Fiance. I know you’re venting, but I’ve found that coming up with a solution will really lower your stress level. Until you figure out what to do this is going to stress you out.

ETA: Also, you didn’t mention if you had filled out the FAFSA? If you have grants you should have more than $5000 in loans, that’s the order the government works in- loans first, then grants. And $5500 is the maximum for a sophomore but it increases each year.

Post # 10
Member
4803 posts
Honey bee
  • Wedding: September 2011

@imalittlebirdie: You should still be considered single for the purpose of grants. The people who give grants see you as either married or single, there really is no middle ground with that sort of thing.

Post # 13
Member
2584 posts
Sugar bee
  • Wedding: June 2012

@imalittlebirdie: No, the letters I got definitely guaranteed me a loan with or without a cosigner. There’s more out there than Sallie Mae though, you can look into those. Also, once you get a scholarship you have it, don’t you? Aren’t your scholarships used up already then? Although if you’re almost done, getting married wouldn’t matter since this year’s FAFSA is already done.

Also, when I mentioned offering rent, I meant to your own parents. You say you’re applying to grad school? How do you plan to pay? I’m not trying to be mean, keep in mind I literally struggle to afford to eat. But you can’t go to grad school if you don’t have any money at all. Most fellowships and such won’t cover the whole thing. Most people need to take out a loan.

@mexicanabeibi: The article you posted lists the conditions required to file as independent (you need to meet only one though), but living apart from parents with no financial help is not one of them. Once she’s a grad student she can be independent so it doesn’t really matter in this circumstance, but even if you don’t receive help from your parents you are definitely still considered dependent, the article even states that living on your own is not enough to be independent.

Post # 14
Member
213 posts
Helper bee
  • Wedding: July 2013

@galloway111: Her case can be reviewed by a financial advisor though because it’s abandonement. If she gets kicked out of the house, then I’m sure it warrants a change to independent status because it is a special circumstance.

EDIT: Oh I didn’t realize OP was a grad student…I would still try to talk to financial aid about it.

Post # 15
Member
2584 posts
Sugar bee
  • Wedding: June 2012

@mexicanabeibi: From what I’m finding online about that, it means if a parent abandons a child, and it looks like that implies a minor, not an adult child. I don’t think being forced to live outside your parents home would warrant independent status, it’s really hard to get, as the article says.

Here’s an article that describes abandonment:

http://legal-dictionary.thefreedictionary.com/abandonment

Post # 16
Member
580 posts
Busy bee
  • Wedding: May 2014

I was kicked out with less than a day’s notice when I was 17 and in the middle of my last year of high school. I don’t know how it works in America, but I’m here if you want to talk. You’ll make it, don’t worry.

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