I’m sorry, but I’m not risking everything to go for the “cheaper” option when it may screw me over in the end. I see how CC can screw me over, so I’m not gonna do it.
They already filled out the fafsa. They’re gonna sign the loan, then I’m gonna try to get a dependency override. Just to see if I hopefully get it. I will need to find a social worker first
I don’t understand how CC can screw you over, but I accept that’s what you believe/feel.
They will need to fill out FAFSA and co-sign a loan every year for 4 years. Have they committed to doing that, even though they are ‘kicking you out’?
Talk to your HS GC and HS social worker about helping navigate a dependency override. I think it’s a long shot…if it were easy, everyone would do it.
There is no way that you will get a dependency override if your parents are taking out loans for you.
I know this is hard to hear, but neither is the best option for you. You are on a path to have no degree and a lot of debt.
In order to be declared independent of your parents, they can not be supporting you in any way financially, one they co-sign you won’t be independent until the loans are paid off or you are 24.
OP- hugs to you. Nobody here wants to see you get screwed over, but you are navigating a lot of complicated issues and your proposed path forward isn’t necessarily your best option. You need to slow down and think this through. Kids without parental support have trouble paying for college- that is a fact. But you will not be considered independent with parents that are taking on a loan for you- that is also a fact.
So get your facts lined up (like a good lawyer would) and start to consider some realistic options.
Hugs to you. This is tough but you can do it…
Have you asked your parents outright if they will co-sign $80,000 for you? Do they hear abstract “loans” but without the amount attached with the interest? They are legally bound to that debt and I have a hard time believing someone who would kick their child out would also take out $80,000 for them. What do you do if they do take out the loan for your first year of $22,000 but not after that? Now you have debt and no degree. I’m not sure how cc screws you over, can you please explain that? If you’re talking about being able to transfer credits that can definitely cause problems but is easily resolved if you go in with a plan of action with the guidance department for the school you want to transfer to.
The dependency override is not easy. Their requirements are honestly terrible for an abuse victim to endure, but i think I have a good shot
Well, it’s not that they’re taking on the loan. I provide gif myself completely. The abuse I endured is also terrible. I’m at risk of being homeless. I have seen circumstances where they’d give people like me the override.
So you need to get your facts right, that I definitely have a possible shot. Not a guarantee, but a shot
Are you denying my abuse??? They don’t even want to sign the loan!!! But they want me out of their house, so my mom wants to do it, but she will only sign if they ensure her that I’ll be the one laying it once I graduate.
I just wanted help deciding between colleges. Not all of this lol. This financial stuff is MY problem to work out, which is why I’m looking at options
This is thread is reminiscent of others where the poster has already determined the path and is seeking validation of it.
As most posters have pointed out, you will have an extremely difficult time financing undergrad and law school. If you’re fortunate perhaps you’ll get excellent FA for law school but that’s not something you can rely on. And while you have received some FA for undergrad there’s still a significant monetary gap that needs coverage.
I’m having a bit of difficulty following exactly what your parents are willing to do as far as loans but it seems unlikely that they’re willing to go tens of thousands of dollars in debt if they’re abusive and throwing you out of your home.
In answer to your original question choose the less expensive school. Work for the best GPA and highest LSAT score you can achieve and hopefully you’ll receive a financial aid award from one of the law schools you apply to that will allow you to attend for very little debt.
I’m sorry for your hardships, OP. I believe you are in a toxic and abusive situation right now, and that needs to be your first priority. Relying on your parents to co-sign loans for you is not a good idea. This can give them leverage and power over you, and means you will be entangled with them for as long as you have these loans. For your sake, do not do this.
You need help choosing between these two schools. I would reach out to both of them about a dependency override. See which one seems more amenable to the process. Do either of these schools meet full need?
Thank you for your kind response. I don’t trust them on my loans tbh. But as long as I get them to sign for first year, I’ll be in okay shape. I reached out to the first school about more information on the override, and all they sent me was what FAFSA requires 
I do have people to write letters of my abuse, the only major one ik lacking is a social worker. Which I don’t know how to get. I don’t think my school counselor will be helpful, and I don’t have a therapist. I am considering reaching out to a hotline though. Maybe then can direct me to someone who can help me with that.
I’m also worried that I may not be able to get the override in time for the upcoming year, but I’m working on it now.
At this point, I do think I’m gonna attend the cheaper school. The situation with my parents is tough because they’re narcissists, so a lot of their actions are confusing to most people. But I’m gonna try to get the dependency override. I do think I have a good chance. I’m just afraid of the social worker part, and not being able to get it by my first year of college. But even if my parents did sign on to my loans for the first year or whatever, I could still be eligible for the override. I know people who have done it.
Good luck to you. You don’t want advice on your finances, so I won’t offer it. But your school system (not your actual school perhaps, but the district-- look up the superintendent’s office) will employ a social worker, a therapist, or both. That person can help you. It’s not hard to FIND a social worker (or a therapist)- but you should be aware that they are mandated reporters, which means if you tell them that your parents have been physically abusive to you, they are legally required to report it to social services/child welfare/DCF, whatever it is called in your state. So I am in no way trying to gaslight you by telling you that you aren’t being abused- it sounds horrific. But I am warning you that if you start a process you may not be able to stop it. There is a grownup out there who gets paid to protect kids-- and once they know about your situation, the wheels will turn whether you want them to or not.
Cheaper school- yes. And you want to be a lawyer so start learning some law right now, and learn how loans work. Your parents will be legally responsible for the loans they take out. Period full stop. And all the conversation in the world 'We sign for the loans but they are on you" don’t mean a damn thing to the bank. There are laws that govern debt-you can start your legal education today by taking a quick look at what they are. And your parents will have to sign papers when they take out those loans which will state the terms, the interest rate, and the fact that they alone are responsible for the debt…
Hugs to you.
I would reach out to the second school as well to see if they give you better information. As for a social worker, do you have any doctors you see? Those offices sometimes have social workers. I would reach out to your school counselor as well, perhaps via email so that even if she isn’t helpful, you have documentation/evidence (good for a future lawyer!)
I know you have expressed concerns about getting stuck, but it seems that you have the determination to get where you want to go. The key is figuring out the best path for you without taking on too much debt or dealing with more abuse. Even if you need to take a year in between high school and college, or college and law school in order to protect your physical/mental/financial health, if you have strong goals and motivation (which you seem to from your posts), then I think you will be able to lead a successful and happy life as a lawyer or anything else you choose!
I would also try to listen to the advice of people on this forum. They have a lot of great experience and are trying to help, even if some of their advice is hard to hear.
Good luck! Keep us posted!
I’m sorry if my post read as anything but supportive of you. I trust your ability to succeed, I don’t trust people who kick a child out to continuously help that child. I truly hope everything works out for you and you achieve everything you want.
I’m 18, so I don’t know what they could really do. But I’m gonna try to get a social worker
That is a fantastic idea. If you are 18 you can find a therpaist online and some are very inexpensive. It may be worthwhile to find someone to start and they may be able to help you. Also the school social worker through your district is an excellent idea as is your pediatricians’ office. They should have resources for you that are low cost or free. Good luck!