<p>Hey guys, I'm a 20 year old asian male with a green card and my birthday is sept 23rd 1991, which means i'll be 21 years old soon. </p>
<p>I currently go to a small private pharmacy college in misosuri, which costs about 22k$ a year. It is a 6 year program, and i become a pharmacist after i go through all 6 years. When school starts I"ll be in the 3rd year, and officially the first professional year. </p>
<p>I have already paid for the first semester of my 3rd year, and I think my parents are not going to pay for me anymore. I have never took a loan out before, and I did not qualify for fafsa before. What should i do about this situation? How will I be able to pay off the rest of my schooling? Is there any sort of loans i can take?</p>
<p>I am an average student, but i know for sure 100% that i can make it through the program and get my pharm D.</p>
<p>You might be out of luck and have to wait to finish your degree until you are 24 and can be considered independent for FAFSA. Many schools have a policy that whatever status you are for aid when you start school is your status for the entire course of your schooling at that school - meaning, if you are a dependent for year 1, you are a dependent for all years. Tons of parents would figure out a way to get out of paying for their kid’s college if schools allowed everyone to change status. Good luck.
You might be able to borrow a bit more since you will be in the “graduate” part of the 6 year program, but probably not enough to cover the entire cost.</p>
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<p>Did you/your parents file the FAFSA this year? While you may not be Pell eligible, you will be eligible for direct loans. Since you are a junior you will be able to borrow $7500.</p>
<p>For the graduate part of your program, you would be considered an independent student and you would be able to borrow up to the full cost of attendance as a Gradplus loan.</p>
<p>6-year pharmD programs handle the professional phase differently, and you may be near your grad phase … at which point you would be considered independent. This does vary by school, though, in terms of when they switch from undergrad to grad for purposes of aid. My suggestion is that you speak with a financial aid officer at the school. That is the only person who will know for sure how to advise you. Best wishes to you!</p>