<p>I attended the University Of Louisville for one semester (fall 08). I did not qualify for financial aid, but my parents refused to help me as well. They believe that I will appreciate it more if I pay for it myself, and I agree. However, I was unable to pay for a full semester and was pretty much forced to leave. I have about $3,000 in student loans and I still owe UofL around $4,000. I love to learn and it is killing me that I am not in school. I have such big dreams and I feel like a failure. I tried to enroll in NKU, but the advisor there said that I could not enroll until I had Uof L paid off, since they will not release my transcripts. Is there any way to go around this, or am I really just stuck?</p>
<p>I was also wondering if there were any loop holes in FAFSA. I am 19, work a full time job, and live on my own. My understanding however, is that for me to fill it out on my own, without my parents income, I would have to be 22, married, or have a child. Is that correct?</p>
<p>You will not be able to apply as a tranfer student to NKU without transcripts from UofL. Since you owe UofL money, they will not release your transcripts which are necessary for the transfer process.</p>
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<p>Actually you have to be 24 years old. If you are married or have a child, you must also prove that you are supporting this household.</p>
You are pretty much stuck until you pay the balance you owe the 1st school. It is the normal practice of schools to not release your transcript when you owe them money.</p>
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It is almost correct - you have to be 24, not 22. You are considered a dependent for financial aid purposes unless you meet one of the criteria for being independent (24, married, have a dependent you provide 50%+ support for, be a veteran etc). There is no loop hole. My son returned to school at 22 after 3 years working full time and completely supporting himself and was a dependent requiring our info.</p>
<p>You cannot transfer to a University without paying off your past debt in full, because no one is going to release your transcripts to you otherwise. </p>
<p>I think, but do not know for sure, that you could probably work out a payment plan for your debt through the school. If you are employed, then you could totally work out a reasonable payment plan, because I would assume that the school would respect your intent to pay.</p>
<p>I know for sure that Kentucky is quite a lovely area of the country, full of very nice people, and I bet that a handful of those nice people probably work at the bursar’s office (if you catch my drift). </p>
<p>In the interim, you could quite ethically sign up for an independent studies course without bringing up your current debt. I live in Tennessee and I know that the independent studies courses at the University of Tennessee Knoxville do not require anything but full payment and a little application where you put your address, proctor information, and whatnot. I know that because I do a lot of tutoring of homeschoolers who are doing a dual enrollment type of thing through that school. I would safely assume that Kentucky has something like that, maybe through Western Kentucky or something? </p>
<p>So, basically, you have to cop to your debt. Work out a nice payment plan. And, if you truly love to learn, then you can ethically sign up for one independent studies course. I highly recommend a math course, because some folks forget their math really quickly.</p>
<p>I send in monthly payments not only to UofL but to my student loan as well. I know my GPA only because KHEAA sent me something in the mail saying that I was still eligible to recieve $1,400 in KEES money, and that WAS reported by UofL.</p>
<p>bnpoll01, you just have to keep on doing what you are doing. Once you pay off your debt to your school, you can then keep on repaying your student loan while applying for transfer or re-admission. None of this is the end of the world. It might just seem like it until you have the situation tended to. </p>
<p>This time of year might be hard for you, because it is back to school time. But, do not worry. Just keep on keeping on and you will more than likely have things tended to by this time next year if not sooner.</p>
<p>Thanks so much mildred for the positive response. To me, it does seem like the end of the world. You see all your friends leaving again and talking about their classes. Then every time I log on to facebook their status’ are going to say something about school lol. Not to mention that I have to listen to my friends repeatedly tell me how much I need to get back in school, when really they have no idea how hard it is because their parents are footing the bill. Sorry about my little rant! But thanks again!</p>
<p>It must be tough if your parents won’t help and their income is too high for you to get aid. Best thing is to spend this year paying off the debt so you can transfer. Then go back next year with a fresh start. But make sure you don’t get yourself in the same boat! Maybe you can do a couple of years at a CC then finish off at a 4 year school.</p>