(no subject)
I guess you all know that I am trying to go back to school this semester. Because I already have a BA I don't qualify for a lot of financial aid to get a second Bachelor's degree. This one is a science degree. All I qualify is Stafford Loans. That caps at $12500 per year, and school is going to cost me $23000 give or take a year. You don't need to be particularly astute to notice that there is a bit of a gap between what I am getting in Stafford Loans and what I need to pay. The actual number is actually $10K/year that I am short. It is due August 1! The really fun part is that I only found out anything about financial aid on Wednesday. I registered for classes about a month ago, and at the same time talked to the financial aid office. At that time I was told it would take about a week to process my paperwork, and I would get a letter to let me know what I qualified for. I figured it would be no problem since I make $11/hour before taxes. At that time of course I had no idea there was a cap on Stafford Loans, or that the Financial Aid office would work as quickly as a man in lead snowshoes. I called them a couple of weeks ago, and was told they were still working on it. Then I called last Monday and was told some shit about training days, and they would have it on Friday or Monday, Tuesday at the latest. Tuesday I called again, and was told there were four apps before mine, and they would have it done and emailed to me Wednesday, but he went over it a little. I was at work, so I couldn't write anything down. I called when I got off work Wednesday, to find out what was going on, and was told there were 4 more in front of me (still?!). I pretty much told him that I needed to figure out what I was doing because time is NOT on my side at this point. After bordering on yelling at the guy for 20 minutes I finally got my award letter.
I'm essentially $10,000 short for the year. I can go on a payment plan, and pay $1,000/month for the 10 months of the school term or I can apply for loans through SallieMae or a number of other banks. I applied, and was turned down. I had thought that I might as well apply for more than school ($20k) so I could have money for bills when I may not be able to work as many hours as I do now. Shot down. I asked mom if she would be willing to co-sign, and as I figured she wasn't. I applied for $10k, and still no dice. I'm going to see what she thinks about co-signing at that level.
Honestly, I don't know what to do. While I was with Joy I really did fuck up my credit, and although it is getting better it does take time for all the old bad stuff to go away. Of course there is also the fact that I make so little. I'm sure that doesn't really help. Part of me really doesn't want mom to co-sign, because I really don't want to make a mistake and end up costing her everything. I have no intention of doing that, but it is a fuckload of money. I do want to go to school though.
I'm trying to make a better life for myself, but I seem to get thwarted an awful lot.
After tomorrow I am on vacation, but it is really a shitty excuse for a vacation. I have federal jury duty. Who gets Federal?? What that means is that I have to call in every day for the next two weeks after 5pm to see if I have to come in the next day. Its stupid.
I'm essentially $10,000 short for the year. I can go on a payment plan, and pay $1,000/month for the 10 months of the school term or I can apply for loans through SallieMae or a number of other banks. I applied, and was turned down. I had thought that I might as well apply for more than school ($20k) so I could have money for bills when I may not be able to work as many hours as I do now. Shot down. I asked mom if she would be willing to co-sign, and as I figured she wasn't. I applied for $10k, and still no dice. I'm going to see what she thinks about co-signing at that level.
Honestly, I don't know what to do. While I was with Joy I really did fuck up my credit, and although it is getting better it does take time for all the old bad stuff to go away. Of course there is also the fact that I make so little. I'm sure that doesn't really help. Part of me really doesn't want mom to co-sign, because I really don't want to make a mistake and end up costing her everything. I have no intention of doing that, but it is a fuckload of money. I do want to go to school though.
I'm trying to make a better life for myself, but I seem to get thwarted an awful lot.
After tomorrow I am on vacation, but it is really a shitty excuse for a vacation. I have federal jury duty. Who gets Federal?? What that means is that I have to call in every day for the next two weeks after 5pm to see if I have to come in the next day. Its stupid.