Not sure which college to choose?

If you leave a job, you don’t get to keep the benefits of that job.

Your mom paid the deposit…but you are still hoping for a dependency override? This isn’t going to help you get that as it indicates she is supporting you attending that college financially a little (the deposit).

Maybe I missed it…but were these the only two college acceptances you had…or applied to?

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Sounds like the die is cast for this student. She may attend the $22k/year college as a dependent if her parents sign the loans, subject to their decisions during the term of her attendance. Honestly, a dependency override wasnt going to happen anyway-the student receives far too much support from the parent right now to qualify. Hope it works out and she can attend and graduate. Good luck to her, and maybe there will be more planning before any grad school debt

I was just asking. I didn’t think you would, but you never know since the one user said that if you only work 20 hours or something like that at one of the places, you get the tuition benefits. I was just clarifying that she didn’t mean that you got to keep those after getting fired.

As I said, I can STILL get the override. It’s not easy, but I know what I can say to increase my chances….especially since I pay for everything. Like toiletries, gas, car insurance, etc. I’m not completely dependent on these people. Lol. It’s a weird situation.

You can still get the override. You can even get it while in college….please educate yourself. I’m not saying it’s a guarantee that I’d get it (and it wouldn’t be easy), but it’s possible. Please go look it up on the narcissist subreddit, it’s talked about a lot there.

For the future, you might want to take advice from adult professionals and lawyers, not reddit. You will have a lot to learn about adult independence, which is far more than buying your own shampoo or paying car insurance. Good luck.

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You can also win the lottery. But the odds of that are slim.

You should seriously consider the advice that others have offered here. There are some definite options in front of you but you appear to want to put all of your eggs in one basket.

You need to have a backup plan. And you are not being very realistic right now.

Any employer which offers free college tuition for its employees…once you’re no longer working there, you no longer get the free tuition. Sometimes, the agreement about the free tuition requires the employee to continue working there for a couple of years after college graduation. I got my MBA paid for that way by my employer. It was totally worth it so I didn’t have student loans to pay off after getting the degree.

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I guess my confusion is - you’re going to a college (you won’t name).

It’s $22K a year after aid.

How much are you taking in loans?

$5,500 Federal Student…

So where is the other $16,500 coming from - and btw - college costs more than they say - figure another $3K spending money, etc.

So how can you pay for the remainder of tuition and / or room & board.

Forget overrides and all that and admittedly I don’t know how they work - but if you’ve committed to the school but have no assurances on paying - so if you if you got the bill today for - let’s say one semester - $11K - but $2750 is in loan - where is the other $8K+ coming from to pay the bill for the Fall.

I’m missing that part.

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The OP has posted that her parents have said they will co-sign loans for the remainder of the money, but they expect her to pay them back, which she has said she is willing to do.

The concern among the experienced posters in this group is that this may fall through, in that the parents may change their mind at some point during the four years, or because their financial circumstances might change and they won’t be eligible for the loans that they are still willing to co-sign for.

There is also concern that the co-signing of the loans may lead to continued unhealthy controlling behavior and continue to enmesh the OP with that behavior when it would be healthier not to be enmeshed.

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I’d agree with the fear of the not eligible - $88K - if their situation isn’t good. And that’s b4 annual tuition increases - if the aid doesn’t keep pace.

and if it is good, who can pay back $88K - and that’s b4 the pre-law.

Yeah, this just has disaster written all over it.

I wish OP would re-think, do a community college. Sounds like makes enough money at the restaurant to hold over, if living with a roommate, etc.

This just can’t be affordable.

It’s running from one problem to a lifelong problem - unfortunately.

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She also has information that leads her to believe that a dependency override is possible for her specific situation, so she is probably waiting to see if that comes through.

The comcern with that, though, is that the stated willingness of the parents to co-sign the loans, as well as the fact that one of her parents apparently already paid her deposit, may be evidence to the school that she does not actually meet their criteria for a dependency override. It is possible that this parental behavior falls into the definition of narcissistic controlling behavior and the college will treat it as such vis a vis the dependency override, but I think that the consensus among the experienced posters here is that the college will not see this financial support as manipulative but instead will see it as meaning that the OP will not qualify for the dependency override.

At this point, it seems that the OP can wait for the override decision, or hope for a good outcome with her parents financial support, or perhaps change course and explore some of the other options that have been listed above such as community college or employer-sponsored tuition, or a gap year to earn money and become more financially independent.

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I’m not sure what that means - does that mean, more money or the government steps in? I would want that first b4 I committed - hence the community college route. It sounds like OP has already committed but without financial certainty and that’s the worry.

It’s like I’m buying a new car or a more expensive house because I had a job interview for a position at a higher salary than I currently have.

And i went out and made expenditures based on getting that job…b4 I got the job.

Why I never spend my annual bonus til I get the check in the bank.

We get told officially March 10th what it will be. My boss told me what she thinks it will be.

Her thoughts - and I love her - meaningless - until I’m told what it is - and while I have ideas what i’m going to do with the $$, I’m not doing a thing til it’s 100% assured (and preferably in the bank).

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We’re these the only two colleges this applicant applied to? The only acceptances?

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I wish the OP all the best and would recommend that she go and read a Suze Orman or Dave Ramsey book about personal finance. Knowledge is power. Don’t rely on Reddit for your information. Trust but verify. Take what people are telling you and go verify it with reliable sources.

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It sounds like the plan is as MMRose outlined. The parents co-sign for the gap of $13K-$16K/yr.

I think enough people have said how bad an idea they individually think it is. Enough people have said they don’t think the OP’s plan can work. Enough people have said they think it’s going to fail.

I agree it’s risky and more than a little messy. The unfortunate truth is a lot of students/families are in this position. Things are easier when there is a clear affordable path to college, and students don’t have to take risks to pursue an education. The OP is one of those students that will have to take risks.

She has to trust her undependable parents to co-sign year after year for 8 semesters. She has to hope that if her parents do not (or cannot) co-sign that she will qualify for an Override. She has to go into each year knowing she probably doesn’t have enough ready money for incidentals and necessities. Just like a significant portion of college students do.

I think it’s worth the effort. I think it’s worth the risk. The OP is not going to magically transform into a 28 year old financially self-sufficient woman by working a series of food server jobs while living in a home environment that does not sound conducive to helping her become a full person. Working a full-time job with a company that might help pay for college isn’t an option she thinks is realistic. She needs college and she is trying as best she can to realize this goal.

Maybe she never gets to the first semester. Maybe she gets past the first year and can’t enroll for the second. Or maybe she scratches and claws and makes it through all four years. Let’s not tell her any more why she can’t do it. Let’s try to help this teenager get into her first year. I’m not a person who thinks college is wasted because a student did not graduate. Sometimes just being in that environment for a year or two is enough to change a person’s outlook and possibilities.

We don’t need to feel 100% confident in years 2-4, and that’s okay because a lot of people do this every year. Some don’t make it through, but it’s worth the effort. Who knows, maybe she gets an internship after the first year that pays enough to help a lot? Maybe she lucks into the best kick butt work-study on-campus job that allows her to study, earn, and facilitates a way to a good summer job?

She can’t wait for the perfectly scripted fully affordable red-carpet solution to appear. For this family, this student, that option is never going to exist. Sometimes, the best key is to realize the beginning … not fully secure the ending.

PS: This isn’t directed solely at you @tsbna44 . I just focused on those two quotes because they succinctly represent others’ opinions and I know you’re tough skinned enough to not take offense at your words being chosen. :grinning:

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I think everyone here is hoping for the best. Too many kids take huge debt burdens they can’t pay, for schools they drop out of and degrees they won’t get, to encourage this student to just go for it without a plan. As others have said, self-funding college requires serious planning and trade-offs, and hope is not an effective strategy.

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While you make fair points and the OP is going to do regardless, I think if you can avoid a (at least on paper) lifetime of regret and that’s what large debt with a liberal arts degree, followed by a definite pursuit of law school (from OP) afterward - you don’t make that mistake if it can be avoided.

No one is saying not to go to college.

But if OP has to pay back her parents $88K + interest + 3 years of law school which she’s determined to do - it’s criminal to push forward with this plan.

In my opinion - but I do get your point of everyone (myself included) piling on vs. the plan which doesn’t appear supportive.

I think, given an accurate description, we are likely 99%+ providing concrete and accurate thoughts.

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I have audios of the abuse. The physical, emotional, psychological, and other abuses ll follow under narcissistic abuse. I have people to back me up, and I have the evidence.

Never said I relied on Reddit. Just said I’ve heard of the success stories on there, and know people IRL who have done it too.

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I am so sorry you have had to go through this and I wish you the best. When do you find out about the dependency override?

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All this being said…shouldn’t you hold off on putting yourself into massive debt until you have a certified plan so you can avoid it.

You are and you admit yourself pursuing something that may….or may not happen.

If it doesn’t, you will likely face a lifetime of living from behind financially.

Can you defer a year and ensure whatever benefit you get financially from this status and I’m not sure what that is…but can you get that approved b4 u enroll ??