<p>So my parents/grandparents/aunts/uncles/etc have all been denied a parent plus loan and have also been denied loans from banks and we have no more cosigners, but I still need at least $6000 to cover the cost of the dorms and the rest of tuition, and i cant take loans on myself because i dont have any credit history...out of desperation ive also been trying some fishy-looking loan sites that promise loans regardless of credit but they all turned out to be spam and i think i got a virus from one of those because my internet keeps redirecting me...does anyone know of any legitimate loans for really bad credit/no credit or maybe some scholarships I could apply for? I have 4.0 gpa and know many professors that would give me good letters of recommendation from my previous school (i am an out-of-state transfer), and i have ib diploma if that counts (my hs physics professor told us that with an ib diploma, college is free in florida...idk on what planet he lives on lol)....usf didnt give me any scholarships and on their scholarship search website it seems all the scholarships are for florida residents or for people that graduated some special florida high schools, and i won't be a florida resident for another year...i called usf's financial aid office but they just said to keep trying private banks for loans...if anyone has any suggestions i would appreciate it! otherwise i think i will just take the year off and try to find a job to save up the money for school...although all summer ive been trying to find a job but i live in a little town with not much transportation (and i dont have money for transportation anyway lol), and no one within reasonable walking/biking distance is hiring..grrrr</p>
<p>You did do FAFSA right?</p>
<p>Many students work while attending college too, you’re not the only person who is short of money. It might take a year or two longer to complete college, but working to earn money to pay for college while attending college has been done by millions of college students.</p>
<p>Yes i did fafsa and they gave me pell grant and the sub/unsub loans, but for out-of-state tuition it is nowhere near enough of what i need…and i did plan to try to find a job in or around usf, but since tuition is due the fifth day of classes i wont be able to go to usf this year, and like i said, finding a job around where i live is extremely difficult…idk i guess ill just wait a year until i qualify for in-state tuition and meanwhile ill keep trying to find a job around here…blahh stupid out of state tuition lol</p>
<p>btw, in a year when i will be able to pay in-state tuition, which is around $6000 for usf, can i still expect to get the full $5550 for the pell grant if my efc index is still 0? or will they give me less since i think they also take into account how much tuition is?</p>
<p>If your parents are denied for Parent Plus, then you can apply for an extended loan yourself. Take a look at [Student</a> Aid on the Web](<a href=“http://studentaid.ed.gov/PORTALSWebApp/students/english/studentloans.jsp]Student”>http://studentaid.ed.gov/PORTALSWebApp/students/english/studentloans.jsp) . Independent Undergraduate Student (and dependent students whose parents are unable to obtain PLUS Loans) are allocated about $4000 more. Contact the finaid office to tell them to extend your Direct loans because your parents were denied for Parent Plus.</p>
<p>Besides, I think it was lizard that told me, but I’ve heard that if you cut your costs by skipping out on a car, slimming down to prepaid cell phone plans ($100 for 1150 minutes from T-Mobile for a year, enough for you to call home twice a week and then run Google Voice over Wifi at USF for unlimited free texts), buying used textbooks online and reselling them, and going with their unlimited meal plan and don’t go out to eat, then you can probably survive on about $3-4k less than the estimated cost of attendance.</p>
<p>Getting re-classified as a Florida resident for tuition break is not always as easy as it might appear to be, especially if your parents maintain residency out of Florida and you are under 24 and getting money from them even if you are in Florida for a year. Make sure you check out rules and law carefully before assuming you’ll qualify for in state tuition so you don’t get surprised and disappointed. You might be better off, and forced financially, staying where you are. <a href=“http://www.registrar.usf.edu/Residency/Qualifying/[/url]”>http://www.registrar.usf.edu/Residency/Qualifying/</a></p>
<p>The estimates USF uses for cost of attendance are a little puffed so no one underestimates how much they will need for attending USF. If a student does without a car (unless you commute or need for work, you can do without car), doesn’t blow money on tons of clothes and partying, doesn’t eat out at resaurants every day, etc.–you can get by with less money.</p>
<p>1150 minutes annually on a phone plan won’t cut it. You’ll need that at least for a month. A smartphone is almost a must in college now; I’ve got Straight Talk prepaid cell plan now for $45/mo. which provides “unlimited” voice, text, and data on the AT&T network. I bought a $15 sim card from ST, put it in a used iPhone 3GS and do just fine. USF has wifi pretty much everywhere on campus which helps too. USF’s email and blackboard info system is google based so Android phones I guess make sense too. <a href=“http://www.straighttalksim.com/[/url]”>http://www.straighttalksim.com/</a></p>