<p>To make a long story short, I finished my first year of college this May 2012. Fall 2011 I went away to college and failed a lot of classes. Then I came home and went to a local community college. I didn't get all B's like my parents told me I needed to get, so I need to pay for this falls tuition. Once I get my grades up and figure out where I want to go I, they can pay for school again.</p>
<p>So, since I'm 19 and don't have a job, how can I pay for school? According to my FASFA and reviewing the results with the financial aid office, I cannot get any aid from the school. I did qualify for a Stafford Loan, but received an F Spring 2012. </p>
<p><strong>To sum it up what are some good companies I can apply for a private bank loan? Also, does anyone know any bank loans with a lower interest rate? I am looking to take out about $2,500</strong></p>
<p>You can’t get a private bank loan without a co-signer. You have no job and no credit history at your age so no bank will give you a loan by yourself. </p>
<p>I should have said you need to get a job, get your health straightened out, and take a year off from school. Get healthy, mature, save money, and figure out what you really want to do with your life. </p>
<p>Going back to school Fall 2012 without your health and a clear goal will put you right back where you are now.</p>
<p>I don’t understand why you are asking about how to pay for college. After you “failed a lot of classes” in the fall, you switched to community college for the spring semester where you again received at least one F. You should be more concerned about understanding what you need to do to succeed.</p>
<p>If school finished in May and it is now almost August, what have you been doing for the past three months? If you had even a minimum wage job, you could have earned an entire semester’s tuition at CC since May.</p>
<p>It’s been pretty difficult for me to get a job though because of my social anxiety. I was hired by two restaurants this spring, but wasn’t able to stay because I had an anxiety attack at both training’s. I’ve been going through depression and social anxiety for about 4 years now. So, that is a factor in why I didn’t do so well in school too, by the way. I still struggle with it and have been trying out countless amounts of medicine for a while. My mother or father plans on co-signing. It most likely will be my mother though.</p>
<p>I wish I could just live at home and just work full time. Unfortutatly, if I live in my parents house I HAVE to go to school. There is no such thing as taking the semester off and working.</p>
<p>Talk to your parents about working full time for ONE semester, maybe taking a class or two with money borrowed from THEM that you’ll pay back with payments from each paycheck. </p>
<p>It’s silly to get a private loan.</p>
<p>You should be able to borrow $5500 with a Stafford loan, right? Or can you not get ANY unsub Stafford loans this year because of the one F??? I’m not sure that’s right, but maybe Kelsmom or Swimcats mom can weigh in.</p>
<p>Melixx28, until you get your medical issues under control what makes you think that the result will be any different this time? You will be wasting $2,500. </p>
<p>You can’t keep doing the same thing and expect different results without having fixed the underlying issue.</p>
<p>@Iron Maiden, I am in the process of fixing the problem. I have started therapy again and working on getting my medication in order. I feel like I’m stuck in the middle. Not sure if I should go ahead and take out that loan or work. It’s just extra difficult for me to find a job. Certain jobs that I would love to have, I simply just cannot do since I get anxiety attacks when under pressure.</p>
<p>IMO don’t go back until you are totally healthy. The pressure of college is much worse than a simple training program in food service. Don’t throw away more money.</p>
<p>Talk to your therapist about going back to school part-time. If he/she thinks you should take time off or only go pt, see if the therapist will meet with your parents to discuss it. If he/she thinks you can handle school ft, then, you have to figure out the money. Can you take out a Stafford loan? Are there any jobs on campus? Some schools have very low stress jobs on campus (library, helping out a departmental office, theater) for students and that may be a very good option for you whether you go to school ft or pt. Ask around.</p>
<p>*Talk to your therapist about going back to school part-time. If he/she thinks you should take time off or only go pt, see if the therapist will meet with your parents to discuss it. *</p>
<p>Excellent advice. If the therapist explains to them that you really shouldn’t be in school this semester and/or taking out private loans (who needs that added stress???), then maybe your parents would be open to letting you stay home and work at some low-stress job.</p>
<p>Maybe people here can give some suggestions of some low-stress jobs (not food business!!).</p>
<p>Good luck to you OP - I really hope your therapist can help guide you in finding the kind of work environment where you can feel comfortable and successful. I don’t think the food service industry is a good fit, too much time pressure surrounded by a sea of demanding strangers…I think a part time job in a slower paced environment and part time school might be OK if you have to be in school to please your parents.</p>
<p>Working as a part time office assistant somewhere might be a better work situation I would think…surely someone needs filing and data entry where you live?</p>
<p>You’re not ready for college - consider trade school. Another option is to talk to the college about a work-study program, where they help you do both. However, poor grades and a history of quitting jobs won’t help you there. You’re in a bad cycle and need to do something different because the current course is not working.</p>
<p>I think a break from college would be a good thing for you. Do talk to the community college financial aid office and find out exactly what has to transpire and what you have to do to become eligible for aid again. But for now, work with your therapist, find some job and/or community service activities and get your self on even keel. If you keep rushing back to college without carefully thinking about what you want to do, and before you are ready to do it, you may end up squandering your Federal aid eligibility. You only have so much, you know. Better to wait when you know you want to do this. </p>
<p>Good luck and hopefully you find some things that are beneficial to do and give you some independence.</p>
<p>Another thought. Maybe working at a restaurant (as a server?) is not the “right” job for you. Have you considered office work, stocking shelves, dog walking, baby/house sitting etc?</p>
<p>Thank you all for your responses. The suggestions of taking a year off are really eye opening. I am partially feeling like I should take the fall semester off. If only my parents felt the same way about the situation. I don’t have much time at all and hopefully when I see my therapist next week she will help me come up with a plan. It all comes down to either:
figure out a bank loan and take out quickly with my mother as the co-signer.
-talk to my therapist about what to do and also talk to my medical manager about my medicine (depression/anxiety)
-find a job right now working in retail or something similar from August-December</p>
<p>@college_ruled Oh and I do babysit/ dogsit. The only thing is that I need to force myself to be with human contact and work on social skills. To be honest, I haven’t been having great friendship luck and have not hung out with “friends” in months. So I’m trying to push myself and try a retail store or something around that.</p>
<p>I have a friend with a similar situation as yours. Has a lot of mental/social issues and has for several years. He works at a job he enjoys part time in a restaurant as a dishwasher and takes about 8 or 9 hours of community college classes. He found that if he does more than the 8 or 9 it is too much and he doesn’t do well. It is important to have a balance and not over do it. Keep in the groove of taking classes, even if it is only a few. Once you stop it is hard to go back.</p>