<p>I suggest that you have a very serious talk to your parents about whether they plan to help pay for your college education. If they say, “yes”, then pin them down on how much they’re willing to pay, and whether there are any restrictions.</p>
<p>The fact that your parents won’t pay for your college apps is a big red flag to me that they’re planning on holding you responsible for paying for your entire college experience. If that’s the case, you need to know that now, and make your plans accordingly. Keep in mind, too, that in order to get loans at your age, you’ll need a co-signer. It may be that the only realistic colleges for you to consider are those within commuting distance – assuming your parents will let you live rent free at home.</p>