I’m a first-generation college student getting ready for college, and I’ve committed to UH honors college.
I considered going to CC first, but my parents don’t want me to go that route, and it would be horrible for my mental health if I have to live in my house for another 2 years.
For UH,
- Cost of attendance is about $36,000/year
- My actual out-of-pocket cost is around $29,000 for the first year. After that I'm moving out of university housing and not getting a meal plan so hopefully all I have to pay is tuition.
- I received about $10,000 in aid (a $2,000/year scholarship + a $3,000 grant, though I’m not sure if the grant is yearly)
- I was offered $3,500 in subsidized loans and $2,000 in unsubsidized loans
- I've been offered tuition assistance (ranging from $500-$2,000) and a $100 housing credit.
I’ve also:
- Submitted a financial aid appeal
- Applied to every UH general scholarship
- Applied to over 40 outside scholarships
Part of the reason I couldn’t apply to more scholarships is because I’ve been doing all my moms community college assignments, which takes up most of my time.
Even with all that, I still don’t know if I can afford it. My parents don’t want me taking out large loans, but they also aren’t helping financially, so I feel stuck. Its not like they don't understand, I just think they gave up after my sister, even though she highkey did it all herself.
I have some AP credits, and if I pass my exams this year, I’ll be able to skip about 4 classes, which should save some money.
I feel like my family doesn't really understand my situation. My sister got a full ride her first two years bcs my mom was really poor, and my cousin also has a full ride because of his dad is very low-income. I feel like I’m the only one who has to take out loans and figure all of this out on my own.
I really need advice on what to do, I'm still applying to more scholarships, but I'm thinking of just taking the loans and just paying it off slowly atp 😞
Can someone help me with my options?
byu/Monsterundermybed787 inStudentLoans
Posted by Monsterundermybed787
1 Comment
Unfortunately you aren’t going to be able to get the private loans needed yourself in most cases. You aren’t old enough to have enough credit history for a lender to give you tens of thousands of dollars for the next 4 years. Unless your parents or other family member or responsible adult wants to co-sign with you, I wouldn’t get your hopes up too high. Those federal ones through FAFSA are not the issue here though as those you can accept no problem.