<p>I applied to a private university last year and got accepted. Everything was going good until I found out I'd need a loan of $12,000 (they told me this once I declared them and graduated high school.). Anyways, my parents weren't able to get such a huge loan out. So because of this I couldn't go to college and had to take a whole year off doing nothing (I applied to jobs. No one is hiring.)</p>
<p>My question is, is their any bank/company willing to give ONLY ME a loan as big as $12,000? This loan can ONLY take effect once I graduate college. So then I'll be able to make the monthly payments myself. </p>
<p>Also, I NEED a dorm. I live 2 hours away from any CSU, Private, Community college and my parents can't afford to buy me a car. So a dorm is a NEED not a WANT. </p>
<p>And yes I fillled out my fafsa and I am getting financial aid but I still need that loan. I can't go to a CSU or Community college due to reasons which I really don't want to explain. This private school is the only option for me. </p>
<p>So someone please help/give me advice? I'm a child who has only a mom as a parent and my mom is barely able to pay her bills and my dad doesn't care about me AT ALL. In fact he even told me he won't help me pay for college. Please, I am literally on my own with this and have no guidance at all.</p>
<p>I applied to a private university last year and got accepted. Everything was going good until I found out I’d need a loan of $12,000 (they told me this once I declared them and graduated high school.).</p>
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<p>this sounds odd. You would have gotten your FA package in the spring…before May 1st and before graduation.</p>
<p>It sounds like your family either had an EFC of $12k or you were gapped…but either way, you should have known about this long before May 1st. If you didn’t, why not? Did you submit all your FA paperwork on time? Did the school identify an error in your FA paperwork which caused your family to have to pay more? </p>
<p>Whatever the reasons are for not attending a CC or CSU, those reasons will not make money fall from the sky.</p>
<p>College is expensive. There’s a reason why most kids cannot “go away” to school and certainly can’t attend private schools. Money is the reason. </p>
<p>In another thread, you say that you live near CSU Fresno…you should commute to that school.</p>
<p>No bank is going to lend you $12k (per year!) for you to attend college with just your signature. why would a bank trust a young person with no money, income, assets, etc? It’s too much of a risk for a bank.</p>
<p>What is your career goal and how much do you think you’ll be earning once you graduate?</p>
<p>If your mom applies for a parent PLUS loan and is turned down, you can borrow another $4000 in Stafford unsubsidized loans. That would give you $9500 in loans available to you freshman year. It is true that the additional aid you will get may not be enough to cover your costs. </p>
<p>Please do not feel that there is only one option. Is there some reason you cannot live at home? If so, you might want to look for state schools that do not cost so much. Most likely, though, you should probably accept the fact that you cannot afford to go away, and find a school you can commute to. </p>
<p>I know this is not what you want to hear, but it’s reality.</p>
<p>"Wow I’m suprised Fresno State has a vote. That’s the ugliest college I have ever seen. And I see it a lot since I live in Fresno and my older brother goes there. "</p>
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<p>According to the OP’s other post, she lives in Fresno…which is where Fresno State is located. She could commute to that school and only pay tuition and books.</p>
<p>I DON’T live in Fresno! So PLEASE don’t assume everything about me and my life by looking at my other threads! I live in a KERMAN which is STILL in Fresno County. So yes when people ask me I say FRESNO.</p>
<p>AND did you not read what I put? I DON’T HAVE A CAR. So should I RUN 5+ hours to Fresno State? The only reason I know of that school is because my brother goes there and he is above average in his scores so he got scholarship money. And this is NONE of your business but I have a disability with numbers and public school’s don’t care! And yes i’ve talked to Fresno State. </p>
<p>And that Private University mislead me! They told me that I covered everything and it did not say on my financial aid report that I needed a 12,000 loan. I told you in my first post in this thread I DID NOT WANT TO EXPLAIN. It’s none of your business but when people assume BS it gets me fustrated.</p>
<p>You may want to drop the attitude if you want some help. We don’t know you personally, so don’t be so guarded.</p>
<p>If you have a certified disability, you may be able to get financial assistance through your state’s rehab funding. Contact the office of disability at one of your state schools - they will be up on what might be available & what you would need to do to qualify. In addition, you should choose a school that will provide support for you. Call the disability offices at the schools you are considering.</p>
<p>I remember during my high school years teachers would tell us students “DONT ASSUME. IT MAKES AN ASS OF OUT YOU NOT ME.” SO PLEASE, think before you speak without even knowing me!
Kerman is a high way town and Fresno State is a good 45-1 hour+ with a CAR. And THATS IF YOU TAKE THE FREE WAY. I don’t have a licsense! My parents never taught me how to drive and never even bought me a car. SO don’t you dare say I am fortunate. You don’t know me and the harrassment and abuse my dad has put on me all my childhood years, and the BIG LACK of support I have.</p>
<p>THANK YOU ERIN’S DAD FOR YOUR CLEAR ANSWER.</p>
<p>Alyssa, college is not an entitlement and many people have parents who won’t help. The majority of kids are not like the many on CC who choose from many colleges because they have parental support.</p>
<p>You sound very unhappy. Perhaps job one is getting out of your father’s home. Maybe consider a job as a live in nanny or caregiver for the elderly in a town where you can begin taking classes using public transportation. There are more options than the one private school and if you drop the attitude, people here will help you explore them.</p>
<p>It sounds like things have happened in your life to make you angry at the world. You need to get control of that anger to move forward.</p>
<p>Good luck Alyssa. There is a new and better life for you out there. One step at a time. PM me if you need advice or help, I was a college counselor for a long time.</p>
<p>When you write that you live in Fresno, then no one is “assuming” that you live in Fresno. </p>
<p>Since it’s unlikely you’re going to get the full funding you need for a “live on campus” college experience, perhaps you need to get a job that you can walk to, save your money and get a car. </p>
<p>I don’t think you understand that it’s very rare for a student who doesn’t have great stats to get fully funded to any private university. If you’re low income, then with Pell, Cal Grants, and loans, you might be able to get most/all of your costs covered to a CSU.</p>
<p>It sounds like you have a very difficult life. It is understandable that you feel bitter, but you are about to become an adult. It is in your best interest to figure out a way to deal with your feelings and move on to a better life. I know it will be hard, but you must do this. I know … my dad is 82, and he still holds onto feelings of bitterness toward his parents, who absolutely were awful to him. The thing is, he has allowed them to hurt him his whole life. Had he decided to deal with his feelings and move on, he could have had a much happier life. Long after they have passed on, he still suffers.</p>
<p>Find a way to go to school, but don’t borrow beyond federal loans to do it. Go to some schools, talk to their disability offices, see what will work for you. Once you get in school, use the counseling center. </p>
<p>I do sincerely wish you the best, but remember: YOU are responsible for making your own happiness.</p>
<p>Hi Alysaa21, I am very sorry to hear about your circumstances. Please do not give up hope! Have you tried applying for classes online, i.e. University of Missouri, ASU and Boston University, just to name a few? These are well know universities, that have good online programs. If for some reason you feel that your stats will not get you in, try Western Govenor University online program for the first two years then transfer to a major University. The financial aid you qualify from FAFSA will be more than enough to pay for your first year of college. Avoid the for profit online schools, because you will end up paying more in student loans than what it is worth. I hope my little 2 cent help.</p>
<p>If you live in Kerman, a simple Google Maps route says that you live a 30-40 minute drive away from Fresno State University. MapQuest also says Kerman is about 30-40 minutes (22.97 mi) away from Fresno State. You also live 30-40 minutes away from San Joaquin Valley College (21.08 mi) and 20-30 minutes away from Fresno City College (16.55). Even if that is from the city center of Kerman and you live on the outskirts, I don’t seen that adding more than 20 minutes to your commute - so I don’t get the statement that you live 2 hours away from the closest college.</p>
<p>Even if you don’t have a car, buying a car is going to be a lot cheaper than $12,000, much less $12,000 x 4 years.</p>
<p>Nonetheless, to answer your question - no, there is no one who is going to give an 18-year-old a $12,000 loan. And remember that that is just this year. Assuming that the loan amount stays the same from year to year, $12,000 x 4 = $48,000. More realistically, the loan amount will go up from this year to next year, and then throughout your four years, so that you will likely owe more than $50K when you graduate from college. This is not wise.</p>
<p>I looked up the yearly costs at Fresno State. Even assuming that you can’t get a car and can’t commute, living in the dorms for an academic year would cost you $20,798 total (including room, board, tuition and fees, and estimates of books, supplies, transportation and personal expenses, which you can cut down on). The direct costs are $16,768, which is a pretty good deal for a university education - that’s only a little more than JUST the amount you will have to borrow to go to this private college. I know you said you can’t go to a CSU or CCC for reasons that you “don’t want to explain,” but the reality is that it may not be feasible for you to go anywhere else.</p>
<p>I know you don’t want to go to a community college, but you might take a look at this list from the College Board College Matchmaker search engine. It finds 17 California CCs that have housing on campus. With this, you would be able to live away from home and commuting would not be an issue:</p>
<p>The desperation in your post and claiming you have zero other options makes me wonder if you’ve been accepted at a scam for-profit private college or something. Do you have a high school counselor you could talk to (even though I know you have graduated) to try to make some post high school plans that would work better? I’m just thinking you might benefit from some advice locally. The problem with loans, especially private loans is that you really can’t get rid of them later if you have a hard time making the payments. This is even more important if you’re dealing with other issues that could impact employment in the future.</p>
<p>I really wish you the best of luck, but since you’re not comfortable revealing a lot of details here make sure you share them with someone you trust there so you can get realistic advice. There are definitely people out there who will try to take advantage of desperate students.</p>