<p>sk8rmom:thanks even if it isnt concrete it helped me stop crying for at least a second. and my mom has not sent in her information for them to determine if i can get it or not my mom really needs to get on that for me. this is just all so stressful.</p>
<p>and i have the financial aid people telling me sometimes its hard getting instate tuition if you do not look like you have the intent to stay there but then i had another adviser tell me i should be fine with getting it.</p>
<p>^ but are you REALLY living with her… you said “i am stating i live with her”… that’s not the same thing.</p>
<p>also, a PO Box does not count as a residence for sake of instate status</p>
<p>this whole thing is stressful i think because 1) you are trying to game the system and being “dishonest” is indeed stressful, but 2) you are trying to overcome something that you don’t wish to compromise on. Would you rather not go to college at all if you can’t go to X college? When you don’t compromise you find yourself frequently on the losing end. You’ve been given several great suggestions here of how to make things work realistically, but they aren’t what you want. What you are proposing (having anyone sign loans for you) isn’t realistically going to happen (ethically). BTW it bothers me that you state that it is no one’s business what you do with the loan. Aren’t you presumably going to school and paying for it with the loan? That isn’t something to hide.</p>
<p>So… sit down and figure out what is your bottom line. What are you willing to give up in order to achieve your ultimate goal? </p>
<p>BE HONEST in all steps of the process. This will relieve a huge amount of the stress.</p>
<p>Sometimes things don’t work out the way we want them to. Learn from them and move forward. Generally everyone here is trying to help you avoid the hard lesson by giving you suitable alternatives/options.</p>
<p>Good luck.</p>
<p>crazymonster: yes since the summer basically. but i also visit my dad too but again how would they know i live with my mom?</p>
<p>and also the woman was the one who suggested me get it because they look at where the mail is being sent to and take into to consideration. she seems to know what shes talking about so im going by what she says and doing what i can.</p>
<p>What state does your mom live in? Have you researched the residency requirements? Sounds like, worst case, they could treat you as an OOS student (or you could take a break) for a year after which you would have established residency and your mom would be your custodial parent for FAFSA. That may not be a bad idea…</p>
<p>i really do not want to take a break from school. i feel like i will be unmotivated and i want to graduate with my class. and yes ive looked at the requirements mainly.</p>
<p>crazymonster: i am not trying to cheat the system thanks MY MOTHER LIVES THERE. not cheating. and i stay there a lot!</p>
<p>collegestudent43 -</p>
<p>The rules for being a dependent for FAFSA, and the rules for being a dependent for income tax have nothing to do with each other. You can be your mom’s dependent for FAFSA and your dad’s for income tax.</p>
<p>It looks like you are living with your mom now (your permanent address is now where she is), so you should be in-state for residence and her dependent for FAFSA at some point. Whether or not your dad can still claim you as his dependent for taxes is a whole different thing.</p>
<p>I also take it that you are currently in college. If I’m correct about that, the people who can advise you on becoming an in-state resident are the people at that particular institution. They are the ones who need to see whatever evidence it is that they need to see, and usually they are absolutely straightforward as to what the required evidence is. Likewise, your own financial aid office can tell you exactly what you need to do to make certain that you are considered your mom’s dependent for FAFSA.</p>
<p>happymomof1 thank you but the financial aid office wasnt to helpful. they just said its hard to get instate tuition if you dont look like you have the intent to stay there and that my mom needed to send in the paperwork.</p>
<p>how can there be proof to them that i am living with my mom permanently?</p>
<p>I’m not sure how other states determine residency for tuition purposes, but in Florida, all the schools that I have applied to have wanted two different forms of documentation that demonstrate residency (they asked for my parent’s documentation since I’m a dependent). </p>
<p>The options that I clearly remember were voter registration, driver’s license, and vehicle registrations. I’m sure there were other forms of proof though. I would assume they would ask for things along those lines to determine if you live with your mom or not. Your university probably also has a specific form that they want filled out in conjunction with that.</p>
<p>In California, the parent has to have become a resident before the child is 18, and I believe the parent has to have established residency for some time ( a year plus?) before. If this did not happen, the non-minor student can establish residency via proof of intent to live permanently, but it is VERY difficult, and takes a year of proof of financial independence here.</p>
<p>Hardest for most UC’s, easiest for CC’s.</p>
<p>Here is UCSB for non- minors.
<a href=“404 - Page Not Found”>404 - Page Not Found;
For minors
<a href=“404 - Page Not Found”>404 - Page Not Found;
<p>But that has nothing to do with finding co-signers, so…</p>
<p>OP, to answer the original question I have no idea who might cosign an education loan for you (most likely it would be a family member). As far as becoming an in-state resident, work very closely with the FA office. Some colleges will not adjust in/out of state decisions while you are in school. Would you feel comfortable listing the school’s name so some experts here can research it?</p>
<p>*the majority of college students have their parents take out loans under their name so the majority of students will be in debt no matter what. *</p>
<p>This is absolutely NOT TRUE. The majorirty of parents are NOT doing this. Yes, many kids are doing Stafford loans, but those don’t require the parents’ signatures or credit.</p>
<p>If you get instate rates, what will your expenses be and how much aid will you be getting from the school?</p>
<p>If your dad has good credit, why can’t he cosign for you? How much are you talking? Also, I don’t see anything wrong with playing the system. If you are in a situation to pick a parent that will benefit your financial aid package, then do so. As long as you are not doing something that can be considered fraud to the government. Many people play the system, legally. But first, get the chip off your shoulder.</p>
<p>Ok it sounds like there are a couple of issues here.
First the student sounds like he/she is attending a public university where out of state tuition is being paid. Sounds like these costs are no longer going to be paid by whomever was paying them for the current year. So the student is looking for a way to cover the costs and get in state tuition to reduce them. Is that correct, OP?</p>
<p>Second the student is hoping to get loans above the stafford loans to pay college costs, and needs a cosigner.</p>
<p>OP as others have noted, your public university has a policy for determining in state residency costs. Find those policies. They are likely on the website. Some schools DO allow students of divorced parents to use in state residency status. The biggest hurdle I see is that you enrolled as an OOS student apparently. If you were entitled to instate status for tuition purposes, why didnt you use that for the current year? Schools tend to look even MORE carefully at the residency requirements for students who are trying to change to in state status. Just saying. And lastly, some schools do not permit a change in residency status at all. If you are OOS when you enroll as a freshman, that is your status for four years.</p>
<p>Who paid your college bills for the current school year and what has happened to make that no longer possible?</p>
<p>itsxlizzyxxox I have my license here, bank account here, and i am going to get a voting registration here.
Shrinkrap: thanks for the information and my mother has been living in this state a while before i was 18.
mom2collegekids: do stafford loans come in subsizdized loans? because that would be my best bet to take out that money.</p>
<p>As a sophomore you can borrow $6500 (4500 subsidized, 2000 unsub). If your parents are not eligible for a PLUS loan, then you can borrow and additional $4000 as an unsubsidized stafford loan. IF 10.5k is not enough to cover your tuition/books (you may have to live with your mom), perhaps you need to rethink your options as far as attending your chosen school. </p>
<p>To have to borrow more than this coupled with what you have already borrowed is going to place you in a position where you are going to have huge undergrad debt.</p>
<p>Please do not think I’m being snarky because I am not.</p>
<p>If your mom has lived in this state for YEARS than why didn’t you avail yourself of the instate tuition option when you enrolled in this school? This is something the college is going to wonder too. </p>
<p>Yes, Stafford loans can be subsidized but ONLY if you demonstrate financial need at your college. I believe there is a limit on the amount that can be subsidized. Since you are a sophomore at this college, your Stafford loan limit for the year is $6500…not sure how much can/will be subsidized.</p>
<p>Ok, when I graduated from college, I did not have enough credit to get a car loan and my Aunt co-singed it. Hoping that answered your question. So, do you have an Aunt that will do the co-sign for you?</p>