Hey there. To make a long story short, federal loans aren’t enough to cover my expenses. I had a scholarship (Hope Scholarship in Georgia), but I’ve reached the credit limit for that. So now I’m out of free money. I’m getting the max amounts for pell and federal loans.
My mom used to have a steady job and amazing credit. But she got really sick and spent about a year in and out the hospital and in a wheelchair which made her unable to cover a lot of expenses which crashed her credit.
I don’t have a father. And my grandparents are retired and the applications don’t seem to like that.
I have a FICO score according to Wells Fargo is 601.
What can I do to get the extra money I need?
How much do you need? The credit cutoff for Hope is 127 credits. You should be very close to graduation. Can you get a job?
Agree with @Eeyore123. What year are you? Did you possibly have classes you didn’t complete or pass successfully that contributed to exhausting the HOPE?
How many credits do you need and can you fill any of those credits at a state school while living with family?
Can you live with family, work a semester, and then school for a semester?
Check with Financial Aid and see if they can get you a campus job.
How many credits o you still need to graduate?
Take a look at www.credible.com to look into loan options. It’s a clearinghouse for loans. It presented us with 64 different options of rates, timelines and other options.
Can you take some CLEP tests to earn some credits inexpensively? Can you appeal to your college for an additional grant?