I am 21 and applying for college loans.  But my parents finances keep coming in to play.  I am the only one paying all of my bill, they are not paying for anything. Is there a way I can emancipate myself from them and their finances? Otherwise... I dont think I can go to college, I live alone.  Any ideas anyone?
200900
Being granted an "emancipation" from your parents by the state won't automatically make you eligible to receive Federal Student Aid as an independent student.  However, it sounds like you are a good candidate for a Dependency Override, which is an override that only your Financial Aid Office can perform.  \n\nHere's how the override works:\n\nTechnically, you can't be considered independent unless ...\n\n* you are 24 or older\n* you are married\n* you have dependents other than a spouse\n* you are a veteran of the US armed forces\n* you are an orphan or ward of the court\n* you are pursuing an advanced degree\n* you have a prior bachelor's degree\n\nHowever, we all know that there really are cases in which a "technically" dependent student is really independent. There ARE provisions in the Federal Student Aid regulations that allow for a school (not the feds or the student) to make exceptions to a student's depdendency status. Most schools will make exceptions in cases of abuse or the death of the students' parents. Many schools will also make exceptions if you can document that you truly are completely self-suffient. You will need to submit proof that the following statements have been true of your situation for a while (usually about 2 years)... \n\n* your parents don't claim you on their tax return\n* you pay for your own housing, food, utilities, etc.\n* you pay for your own health insurance\n* you pay for your own transportation (and, if you have a car, the car insurance)\n* you don't receive any other in-kind support\n\nIf you think you can submit this information, give your school a call and ask them what their specific policy is. They should have one in place and you have every right to know what it is.\n\nRemember: if you submit fraudulent information your school can deny you aid and you may be subject to other penalties. And remember that covering your tracks doesn't simply stop at your tax return: your school's financial aid office can request just about anything if it believes that it has received conflicting information.\n\nYour school has a reason to be picky when it comes to these things: Financial Aid offices are subject to annual audits. If their auditors pull your file and notice that undocumented exceptions to your dependency status have been made, their ability to give financial aid (to anyone, including you) can be seriously jeopardized.\n\nPlease, don't get married just to be considered "independent" on your FAFSA -- you'd be setting yourself up for failure by cheating the system.  (And -- HELLO! -- you'd be getting *married*.  When did that stop being a life-changing decision?)
80237
my dear . . . I am soooo sorry.\n\nYour mother is being a jealous . . . possessive b****.\n\nMost parents want their children to succeed . . . but there are a rare few . . . that will try to hold their children back because they don't want them to do better than they have.\n\nWhat is your plan regarding college . . . will you be moving into a dorm.  Probably getting a part time job . . . did you get a scholarship?  The best thing for you . . . is to get out of that negative environment.  I know it is scary . . . but you can do it . . . and you should do it.\n\nIf you are unable to move out . . . just reply back to her . . . just because I am trying to do something better in my life . . . which you could not do yourself. . . either . . . encourage me or butt out . . . because I won't quit and I don't want to be a loser like you.\n\nWell maybe not in those exact words.  But I think you get my meaning.\n\nTake care of yourself.
265824
Technically, yes, you're not entitled to financial aid if they're asking for your parents' info and you don't provide it.  BUT you should be able to work with your school's Financial Aid Office to submit documentation of your independence so that your FAFSA will become valid without parent info...  Here's the process and the reasoning behind it. \n\nA student is automatically considered independent if he/she...\n\n* is 24 or older\n* is married\n* has dependents other than a spouse\n* is a veteran of the US armed forces\n* is an orphan or ward of the court\n* is pursuing an advanced degree\n* has a prior bachelor's degree\n\nHowever, you can "appeal" to be considered independent at any age. Schools know that there are cases in which a "technically" dependent student is really independent. There ARE provisions in the Federal Student Aid regulations that allow for a SCHOOL (not you yourself) to make exceptions to a student's depdendency status. Most schools will make exceptions in cases of abuse or the death of the students' parents. Many schools will also make exceptions if you can document that you truly are completely self-suffient. You will need to submit proof that the following statements have been true of your situation for a while (usually about 2 years)... \n\n* your parents don't claim you on their tax return\n* you pay for your own housing, food, utilities, etc.\n* you pay for your own health insurance\n* you pay for your own transportation (and, if you have a car, the car insurance)\n* you don't receive any other in-kind support\n\nIf you think you can submit this information, give your school a call and ask them what their specific policy is. They should have one in place and you have every right to know what it is.\n\nNow, what makes you say that you can't get loans because you aren't 21?  I can think of plenty of Freshmen who have gotten loans on their own.  If you have a year or two of credit history, you might have an easier time getting a loan than you think.  if you've never tried to apply for a private educational loan before, check out some of these: http://www.finaid.org/loans/privatestudentloans.phtml
13820
OK first of all, calm down.  It's sad, but many Americans are in the same position as you are.  \n\nNow, one thing you need to learn is that you never, ever take a cash advance!  The interest is way, way too high!  I dont know all of your expenses, so it's a little hard to answer your question.  You need to put yourself on a budget.  No extravagent items - just the necessities.  Yea, maybe it isn't all that much fun but do you want to get out of debt?  \n\nYou mentioned that you know how to save, so I'm wondering if you have any money saved now.  If you do, put it toward the payment with the highest interest (probably one of your cash advances).  Do some investigating with your two credit card companies.  If you haven't been late on making payments, call them and simply ask if they will give you a lower interest rate (this does actually work - besides you have nothing to lose by trying - you can only come out better).  Also ask about balance transfers.  They may be able to give you a low rate (be sure to ask about & factor in the "transfer fees" - sometimes they will charge a %age of the amount you are transferring).  Basically, you want to try consolidating as much of this as possible and getting the lowest rates you can.  I'm not sure, but you may be able to get your cash advances transferred - be sure to ask lots of questions on this first though - you need to know how much interest you will be paying!  \n\nIf this is a possibility, ask your parents for some help.  I don't know what kind of situation or relationship you have, but I'm sure they don't want you to suffer.  I would have to think that if you approach them with a plan they would be willing to help.  Ask them to pay off something and come to them with a plan to show how you will repay them.  maybe they wouldn't even want repaid, but you need to bring it to the table and fully intend to pay them!  \n\nAnother alternative may be to go to a bank (witha co-signer) and get a loan to consolidate everything.\n\nOne final alternative, check the internet to find a credit card that offers zero percent for the first 6, 12, 18 months, whatever.  open that and transfer as much as you can.  then cut up the other cards.  \n\nBasically, make a budget & stick to it.  I can help you if you need it.  You have $1800 coming in each month, now list what you have going out.  \n\nGood luck, email me if you need help
369771
The day you turn 18, you can move out. Before that age, you would be considered a runaway. After that age, you are an adult and can make decisions for your own life. Your parents can no longer tell you what to do, but they also don't have to help you out with anything.\n\nWhen you hit 18, your parents responsibility for you ends. You can pack your bags and hit the road, never looking back, if that's what you want. On the reverse side, when you turn 18, your parents can pack your bags, put you out the door, change the locks, and never look back.\n\nWhat I would suggest is trying to talk to your parents and explain the need to establish yourself as an independent person. Be reasonable, be calm, and be respectful. In the end, it is your decision, but you don't want to do irreparable damage to your relationship with your parents.
557420
I agree with you on the position that staying home parent and taking care of the kids is a full time job.  But unfortunately since you are not earning income you are not considered working by the laws.  Why loan companies do not accept you only based on your income? Because you don't have any.  This is how they are looking at it- if they give you the money and you don't pay them (either loan for a mortgage or car or personal loan) how can they get money back from you?  From where?  If you earn money they can get a garnishment of your income.  And keep in mind that they are not in the business of repo-ing cars or taking away your house.  Don't get me wrong-they'll do it if they have no other choice but they would prefer to have another outlet of collecting their money.
66456
I didn't do it by choicer,but by force. My parents were ridiculously overprotctive. I was not allowed to have friends,go anywhere,do anything,etc...So when they found out I had a secret boyfriend at age 16-17 I got taken out of school and was homeschooled. I never finished the homeschool so I had t oget my ged. Then they never gave me money for colledge or a car. I was 22 when i got my first drivers liscence and and car,and now Im 28 and its hard to get credit because i have no credit history because all the money I've ever made was from a no education drop outs type of job,and went all to bills,and not enough to pay for a credit card. So pelase dont drop out if you even have a choice in the matter. I wouldn't have if I had a choice.
611063
I used to work for the company that administered the fed loans. Plus loans are loans that your parents take out for you and they have to pay them. They have to pass a credit check.\nHow much can my parents borrow?\nThe yearly limit on a PLUS Loan is equal to your cost of attendance* minus any other financial aid you receive. For example, if your cost of attendance* is $6,000 and you receive $4,000 in other financial aid, your parents could borrow up to—but no more than—$2,000.\nThere is no borrowing minimum limit. \nNo using a plus loan will not interfere with other loans \nPlus loans done by the government have one advantage. The interest rate will not exceed 9 percent.\nI don't like plus loans because they rely on your parents to pay.
214494
im doing the same thing now. the financial dept at the college you want to go to can help you. i got a full pell grant and i qualify for student loans as well.42 years old with 2 kids. good luck
563662
LIfe is not fair. Adults don't get to do EVERYTHING (as you put it) that they want to do, why should you? They are the ones that gave birth to you, raised you, clothed you, fed you, gave you money to buy things with, and this is their thanks? You can always file for emancipation, but you have to prove that you are able to live independently and support yourself, which it doesn't sound like you could do. You could alway tell the Child protective services that they abuse you, then you could live in foster care, where they make you eat your own puke (my aunt's adopted son did at one foster home he lived in before his adoption), and they get money to make you do it. Stop sniveling and be thankful that you have TWO parents that love you enough to care where you're at, whether you're hungry, whether your clothes are clean, blah blah. Many kids are LUCKY to have even one parent these days, and are tripley blessed if that ONE cares about them.
127703
yes, just divorce your parents and get legally emancipated.  your parents are stupid, they can't tell you what to do.  Go out on your own and succeed!!
2213
It completely depends upon your income (if independent) and/or the income or your parent or guardian (if you are their dependent).  As far as FAFSA is concerned, becoming independent means that there is no one else besides you that can be held responsible for the costs of your education.  Therefore, you could stand to make out pretty well with government loans if your personal income is less than that of your parents.  \nI was just going through making this decision myself because, although I am financially independent, FAFSA still considers me my parents' dependent because I am not yet 24 (when you turn 24 you become an "Adult Student" in the eyes of FAFSA, whatever that means...).  I would get much more financial aid if I could file independently, but they will not allow me to.
942
Higher education financial is available for you.  You financial assistance is based on the income that your parents make.  If they a lot then you get less.  Check out the site for more information.
555102
First get your act together. Talk to the people you owe oney to and ask for some grace. Is unemployment an option till you can get a job. Do you have freinds and family that can watch your kids till you get on your feet. \n\nIs there someone you can stay eith till your able to move out on your own?\nYou can do it!
133367
once you are 18 no-one will be able to tell you what to do, so maybe you should just live with your parents until then, after all it will beat paying the bills by yourself, also your mom may be trying to save you from making the same mistakes that she did, thats why she doesn't want you doing the same stuff that she did when she was young.
66615
If you were born before 1 Jan 1982, you are a dependent student if you are unmarried, have no children, and never served in the military.  Doesn't matter where your parents are as long as they are alive.  You need to have them fill out thier portion of the FAFSA and apply for a PLUS (parent Loan for Undergraduate Students) Loan.  Doesn't matter if they qualify or not.  If they apply, you get the funds.  Either from them or from Uncle Sam.\n\nIf you were born after 1 Jan '82, then you aare independent and you don't have to answer any parent questions.
533009
To be emancipated it takes an order of the courts.  Talk to a lawyer, if you can't pay talk to a legal aide lawyer.