How to Pay for College if You're Poor

[@jonathancalderon5608]

where's my fellow poor people who are working hard for a better life

[@Edspira]

I feel for you. I spent some time in foster care, and at the age of 17 was homeless. I managed to go to community college while living out of a tent and later a pop-up camper without heat during some pretty cold Chicago winters. There are many hard working people trying to make it out there. Now, I feel very blessed to be a professor at an elite university. I strongly believe that getting a college education allowed me climb out of poverty. Stick with it!

[@Slipurt]

I’m just 13 year old and I been out of school for 3 years why because me and my parents can’t afford anything and I been trying to grand so hard but I fail every time

[@iecsao]

@@Slipurt are you better off now? :c

[@DearxAgony02]

@@Edspira Question. I have a $100 virtual visa gift card that I'm not going to use on anything. Can I use it to pay for community college?

[@andersonportillo3730]

DearxAgony lol nah.

[@alessandraoliveri4528]

How to pay for college: get a job How to get a job: go to college MmmMmMMmhhhh

[@amyellawrence6516]

Alessandra Oliveri my brain hurts surely I can't afford college but it's the only way I know to get out of poverty 😭

[@prettydiamonds947]

@@amyellawrence6516 me too we will get through it I'm graduating highschool next year so I'm still doing researches how is it now for you

[@soobindoll9767]

Fr 😭

[@crissifishi299]

It’s messed up that colleges and the government think that parents will help pay for the college when it’s really not the case for a lot of students

[@soccerchick9841]

My biggest piece of advice is to go to a community college or less expensive college, get your gen education courses, electives out of the way. That way when you transfer over, all the courses you take at the university will be major specific. I've done this and I've saved so much money

[@frediemccoy6311]

soccerchick9841 thank you

[@ThePartTimeEconomist]

Right on! I got the A.A. at a community college, and transferred to a 4 year. Some 4 year colleges even have specific scholarships reserved for people transferring in with an associates.

[@HeatherBlackbeauty]

Alot of companies actually give you discounts. Check out my article www.heatherblackbeauty.com/blog-1/the-ultimate-list-of-college-student-discounts

[@treyjordon2661]

soccerchick9841 Right on and just to add; statistically it is a much more complex to earn an Associates Degree than a Bachelors which takes you four years. Go get that A.A, possible get a nice job, save up, get your feet wet and transfer. If you play sports; great they’ll see you as an asset and not a liability.

[@Beas22]

PLEASE go to a Community College first!!! I had so much FOMO for not going straight to a university but it helped me so damn much. Tuition was $700 and I got $5,000 a semester with FAFSA and Work-Study. I saved the difference ($4,300) every semester until I got to a university and paid everything including my own apartment and school with the help of FAFSA for the incoming years plus what I had saved. Paid nothing out of pocket.

[@Edspira]

I also graduated from community college and agree that it is the most cost-effective option for many people

[@HeatherBlackbeauty]

Alot of companies actually give you discounts. Check out my article www.heatherblackbeauty.com/blog-1/the-ultimate-list-of-college-student-discounts

[@erickanew]

So true, my daughters at a university now but took some community college classes in high school and those credits are just as good as what she's doing now. But almost all kids want to go to a university

[@kianaspeaks]

Alina Mitchelson wow i actually would rather go to a community college but it’s my parents who want me to go to univ. They think poorly of community colleges as though job opportunities will look down on me in the future for attending a CC.

[@Bri11ante]

I don't mean to be inappropriate, but is there anyway I can personally speak with you and ask for some guidance? Ive but wanting to go to school but always put off the process because my lack of knowledge of resources or even trying to figure it all out. If you have an Instagram, I hope you can reach me back on there. @ssjsungod

[@lorenasmith7135]

The key word in all this is how much your family "should" contribute, but is there any way to compel them to pay?

[@Edspira]

+Lorena Smith Unfortunately no... I have some good friends who were not even on speaking terms with their family and received no support from them, yet the government still considered their parents' income when determining how much aid to provide.

[@mammon310]

I'm fucked.

[@lostgirl219]

When your dad's not poor but isn't going to help with anything

[@crappyaccount]

When you don't have a dad

[@FontzV]

I can relate

[@mohammedosman5504]

@@FontzV Same

[@prettydiamonds947]

I thot I was the only one some dad's are not it 🤦

[@jozuavieira46]

Amen

[@lyrac723]

Honestly my efc was 0 and some of these colleges/universities still don't give me enough money

[@christianstadler6099]

That’s how it goes

[@humzahhassan4521]

I will say this for low income ppl there are literally thousands more financial aid and grant scholarships than high income ppl especially if ur a minority. Were Hispanic and from south side Chicago I played ball but my brother was able to go to a private school through good grades and the fact he was poor and Brown he has some debt but very little

[@Idk-bs6in]

FAFSA gives me nothing, I got a decent amount of scholarships but it's still a lot, not counting textbooks or gas cause I commute cause scholarships weren't enough for me to dorm. Loans keep worrying me cause they're stacking up

[@gined729]

Idk dies your lonas have a percentage?

[@daadi2278]

Damn it’s been 4 years I wonder how it went for you

[@Idk-bs6in]

@@daadi2278 I'm out, and can't find a job, interest on loans are awful right now

[@daadi2278]

@@Idk-bs6in damn that’s terrible

[@Idk-bs6in]

@@daadi2278 I want to die

[@odugbo7]

Thank you sir. You really saved me weeks or maybe even months of worrying. Scholarships for sure. Loans and Fafsa was filled out ASAP. What a relief.

[@xasmi1355]

thank you for the information, its very helpful. I'm a junior in high school freaking out because my family doesn't have money for college. This helped to remove those fears.

[@Edspira]

No problem. Make sure to complete the FAFSA- it is a free application for financial aid that is required by schools if you want to be eligible for aid. The FAFSA can be completed after January 1st of your senior year of high school. You will need your parents' tax information and your tax information. Also, apply to colleges where your test scores and GPA are in the top 25% of their students. These are the schools where you will receive the most financial aid- they see you as a competitive applicant and will be more generous with aid to attract you to their school. If your high school grades and test scores aren't competitive, you might consider attending a community college for two years and obtaining an associate's degree. Work hard, improve your GPA, and then transfer to a 4-year university. Good luck!

[@madelynfox3585]

Hey I’m heading into my junior year of hs this fall with similar thoughts, I’m wondering how did it turn out for you?

[@xasmi1355]

@@madelynfox3585 it went well honestly, I’ve got my bachelors. Working on my masters now.

[@yazbemis1072]

FAFSA gave me no money. And loans have interest.

[@nicholasiannone8412]

@Yash Hooda i owe that a semester and ita a state school like bruh

[@rashidipayne2013]

@Yash Hooda my dad is a.surgeon and fafsa gave me literally 80 bucks and my schools tuition is 55,000. 😑😑

[@hahadakota4111]

How do you tell them that my dad hasn’t paid child support since I was 9, and we can’t find that Man. Struggles are real.

[@duomingkehover]

And when you add everything up be sure to add the increase in tuition every year because most colleges are not on a fixed tuition rate. I recommend a trade school, or accelerated school such as Nursing or anything that takes a year to 15 -18 months to complete so you will always have money, you can make around 27-35$ a hour and pay off those loans. Other than that, It’s alway best to start off at a community if you are not ready to go to a 4 year college.

[@aquaticsplashes]

You didn't even put housing costs

[@temujinsharavdorj1561]

yeah , the dorm and the food are too much

[@witch6in6the6womb]

Ayejax get a job dude

[@odessamanning2399]

Tia Chia you act like thats going to fix everything. It still may not be enough.

[@justsomeawesomedude2608]

Tia Chia Not the best ideas when your a full-time student. And what will $7 an hours buy you from college?

[@JoseGarcia-mi4ig]

Ayejax Just have the amount of FAFSA money like an extra 5 or 10 grand for dorm and once that is paid that other thousand can be yours for food or yourself, simple as that

[@DrMe4nswell]

#1. Go start a Kickstarter page for the cash. That's it!

[@alexkirby4502]

My parents are too poor to help pay for my college and they're too "rich" to qualify for a lot of aid. The tuition at the in-state university I want to go to is about $42,000. I'm having to stay at home so I don't have to pay for room and board. After undergrad, I'm planning on going to medical school. I want to save student loans until then, but I'm having a hard time figuring out how to pay for college without them.

[@askmymomplease5363]

What is your parents annual income?

[@justinw8512]

Sameeee

[@radiatedracer3830]

Financial Aid is not enough to cover room & board, food, and also tuition. I'm a senior in Mechanical Engineering and I might have to drop out because I can't afford it anymore.

[@Ohheyits_kelcey]

I'm confused o N the whole concept on how to apply for scholarships , and grants. I have applied for FAFSA but I'm panicking because i haven't gotten anything back, or even acceptance. And I really really want to live on campus too. All of these these are very overwhelming and I would be greatly appreciative of you could answer some of these questions.

[@Edspira]

When you are accepted by a college you will receive a financial aid award letter. This letter will list the grants, scholarships, and loans you are being offered as well as your own expected contribution. It will also list the college's cost of attendance (COA). The COA minus your expected family contribution (EFC) is your financial need. The financial aid you are being offered may or may not completely meet your financial need. Thus, if the COA is $40,000 and your EFC is $3,000, then your financial need is $37,000. If you are in the top 25% of applicants at the college then the college will try to fully to meet your financial need by providing close to $37,000 in aid. If you receive less than $37,000 this means you have unmet need (a financial aid gap) which you can try to cover by reducing your expenses, picking up a part-time job, or trying to get PLUS loans.

[@Ohheyits_kelcey]

my efc is 0 ...... i have no idea what coa is

[@mammon310]

What if you are so poor you can't afford to apply or even afford the expected contribution, my dad doesn't work, my mom is sick with cancer, and I only work part time at minimum wage. Your tips are extremely confusing and make no sense in my case, we live off of $400 a month on government assisted housing.

[@djsbro58]

Thank you so much for the knowledge. Never heard anyone explain it better!

[@noahthompson691]

My college is only 8k a year, blessed

[@sparklypinkleopard26]

Thank you for this video! So simple, concise and good.

[@jibbstriespc5106]

What if my family has a lot of money but I have none? (my parents will stop supporting me after I leave for college because they don’t support my choice of college)

[@angelicawilliams1961]

I need help affording college!

[@cosmicslushii1457]

I'm not dirt poor but my parents can't afford collage and we live paycheck to paycheck.

[@saluteswithtriangle6599]

Time to start smuggling stuff from mexico. Only way i could ever pay for anything.

[@angelinawolfe9226]

Don't try that man I know you're desperate but try living below your means. It is a huge sacrifice to pay out of pocket. 12k a year where I live but I can manage paying it with a full time job if I live with family to just pay my own bills. It sucks but its alright man.

[@ProudSalafi]

@@angelinawolfe9226 I think he was just joking

[@sydneyolp1696]

Thank you for making this video.

[@Edspira]

No problem!

[@ivonnelaracuente1626]

I had found this video very helpful since my son its trying to enroll in the University Thanks for the tips

[@Edspira]

I'm glad it was helpful! Best wishes

[@ivonnelaracuente1626]

Thanks

[@Username-ij6zx]

you definitely deserve a big thank you..thank you so much .

[@Edspira]

+king abdo No problem! Best wishes :)

[@bigfinesse2089]

I’m in 2019 and this was still the best help

[@randaray24]

Unfortunately this example only works if you live in a college town. Room and board cost more than tuition now. In state public university starts at $25000 per year without textbooks or transportation.

[@Edspira]

The cost of living is definitely much cheaper in a college town. As for tuition, my town has a community college with tuition of $2,500/year and a 4-year public university with tuition of $15,000/year. Every place is different, and I feel awful for college students trying to get by in places like NYC.

[@dominicgarcia85]

Thank you I’ve been interested in going to college I will start process asap I am homeless but am staying w family now that I am clean of drugs I am older so it’s a late start but I want to do better

[@Edspira]

Best of luck to you my friend! Hang in there!

[@jamesquinlan1055]

2 months after college started, I received my Fafsa and have to pay in, which is funny because i cant even afford to have dinner every night

[@laurieberry162]

I was told that I can’t go to college. I don’t have the money. It is upsetting. But working is important too.

[@daniellemelendez3544]

I get 0 financial aid. My parents don't make enough to pay for college. I'm here working a minimum wage job but will never make enough to pay for college. How can I pay 28k tuition when i don't have the money for it or any financial aid.

[@revolutionaryforall]

persons at edspira please update the video because it did not age well. In state public college is about 40,000. financial aid is about as helpful as getting 50 dollars to 1000 dollar debt, not helpful at all.

[@Bri11ante]

Thanks Michael, I like how you lay this all out for us prospective future-alumni

[@darcysmith7433]

The school I want to go to has a $40,000 tuition per year would this still work

[@Edspira]

+Darcy Smith You might want to ask the university the size of their average grant. Universities with a big endowment will be more generous with university-specific grants and scholarships, which can be a nice addition to government-sponsored student loans. Also, you might go to the library and check out a book on scholarships from outside organizations. It takes a lot of time to apply to large numbers of scholarships, but if you have the time it might be worth your while to give it a shot. I hope you get a large award, and are able to achieve your dreams! Best wishes

[@jadesierra1225]

I'm a high school junior and I've lived with my grandma all my life, but I can't put her information on the FAFSA unless she's legally adopted me, which she hasn't. What do I do?

[@Edspira]

Contact the financial aid office to explain the situation and ask how to proceed. You will be considered "independent" if you are an emancipated minor, if a nonparent is your legal guardian, or if you are an orphan or ward of the court. If you are considered independent, this means you would only have to provide your information on the FAFSA, not the information of your parents.

[@Nightmerez]

and you will receive cost of living that reimburses you cash flow keep in mind with that money use it wisely you may need it for books or something school wise.

[@itsraymond2295]

I took some Dual Enrollment classes, that may hopefully take down some of the cost.

[@SnJ105]

Say if my tuition is $23,000 per year, and I get grants of $6000 and work-study of $2500 it would only add up to $8500. How would I pay the rest of the tuition off? Any tips or ideas?

[@Edspira]

***** Another option is scholarships (which are different from grants). You can potentially receive scholarships from your university or from outside organizations. There are a number of books available on Amazon that list hundreds of scholarships you can apply for (although most of them apply to undergraduate students, not graduate students). Another source of funding is government-sponsored student loans. Assuming you filled out a FAFSA, at some point you will receive a summary of your financial package from your university that scholarships, grants, work-study, and loans. There are a few things that disqualify people from being eligible for student loans (a criminal conviction related to drugs, outstanding delinquent student loans, etc.) but most people are eligible. You become eligible for larger amounts of loans as you progress through your undergraduate studies, and you are eligible for the most amount when you are a graduate student. Also, there is the option of getting a part-time job in addition to your work-study. My wife attended a state university full-time while also working full-time; it's not ideal, but it's possible. By the way, I was assuming you are an undergrad but if you are a graduate student (i.e., you are pursuing a master's or doctoral degree) then you will find that a large number of universities (particularly public, state-funded universities) offer graduate assistantships, which provide a tuition waiver (free tuition) and a stipend (salary) of around $800/month (depending on the university). I hope this gives you some ideas! Best wishes :)

[@jeanp.5929]

***** student loans is a death trap. Be reasonable with them. Start saving up during college.

[@troy1168]

Good video. But my EFC is 0, and on my base award package I'm not given enough funding to attend college.. (there is a deficit). Luckily, I am eligible for an additional loan to cover this difference. But it cuts it really close.

[@Edspira]

Troy, Even with an EFC of zero, the cost of college will typically not be zero. Each college also varies on how much grant money that they give out. I'm glad you were able to make it work with the loans. Good luck!

[@starkeybf]

My tuition is 50k😭 no bank will give me a loan

[@yabeast1239]

lol

[@pianobooks42]

Only in my 3rd semester and already 10s of thousands in dept. WITH fafsa and scholarships. And that doesn't include meals (because my college doesn't have a caf anyway) or cost of supplies. This doesn't work.

[@austin9317]

i have a question. I rushed into a technical school right out of highschool. that cost me a lot of money. half way through this school I realized it is not what I wanted to create as my career. I have already applied for FAFSA twice and received funding. but I am still stuck with this 20k + amount of student loans and a degree in a career I do not wish to pursue. I am trying to find a way to help me be able to afford to go to a university or community college to pursue my real career of choice. is there any advice anyone can give me or anyone who has been in a similar position as me? If so could you give me advice as to how you were able to pay off your existing tuition and were able to get funding to be able to afford to go back to school and get a real education.

[@Edspira]

Unfortunately, there are people out there with more than $100,000 in student loans and jobs that pay minimum wage. If you are currently enrolled at least half-time in college, contact your loan servicer to obtain an in-school deferment. A deferment postpones repayment of your student loans until you finish school or drop below half-time enrollment. I'm not sure how many credits you have, but you might ask the staff at your local community college how close you would be to getting an associate's degree. You could get an associate's from the community college and then transfer to a 4-year university. Pick a major such as business administration, accounting, or finance if you want to make your job prospects as strong as possible. After you graduate, pay down your loans as fast as possible. If you make enough money to do so, you can make more than the monthly payment and pre-pay your loan earlier, saving you thousands of dollars of interest in the long haul. If you don't make enough to pay the monthly payment, then change your repayment plan to an income-based or income-contingent plan so you don't default on your loans. Another option is to work for a nonprofit or government agency for 10 years and have the loans forgiven through the Public Service Loan Forgiveness program. These are just some ideas, I hope things work out!

[@QuentinSpeech]

Hello, if we're an international students, Do we can fill the FAFSA file ?

[@darienkeay5819]

I’m trying to go to Dental Hygiene school but it’s full time only and costs $15000. I don’t live with my parents and receive no help from them 🙃

[@agar.iobeast4273]

So the FAFSA only works for the first year of college?

[@Edspira]

You need to file a FAFSA each year. The government will re-calculate your estimated family contribution (EFC) each time based on your income (and your parents' income, if you're a "dependent" student).

[@kathyhenderson2114]

Edspira.....My daughter filled out a FAFSA for college and went her freshman year, I too filled out a "parent plus" loan for the remainder of her debt for college that year. One day I got a letter in the mail from Nelnet (us dept. of education) and they said that I was delinquent on my payments, it was my understanding that I or my daughter was not to pay anything until her graduation. So I contacted the us dept of education and asked them to delay the payments until she graduates, they said they would send me a letter, I never received one, but they contacted the school and told them that it was granted. Then I got an e-mail from them saying that they had gotten duplicates of asking for an appeal and is still pending....Now mind you, the school has stated that if the remaining $4,000 is not paid by Jan. 2 of 2018 then she will not be able to attend classes. Is this right? In the fall of 2017 she filled out another FASFA and went to school through Dec. and NOW all of a sudden they can't help us? Because "THEY" the us dept of education says that because they have duplicates of an appeal it's our fault? I'm assuming one from the school and one from my daughter? What stinks is my husband has a big $ settlement that is coming but it could take a few years and we could pay it all, but until then we both work full time and we get turned down for another "parent plus" loan..... Please help..... :( what should I do? Thanks.

[@simplybows1]

Hello Friend, great video. I have a question for you regarding my current situation. I completed my general education at a local community college & my RN pre-reqs. I used Cal Grants, I used the BOGG Fee Waiver to cover my tuition because my parents qualified. Fast forward, last month I graduated from a community college with my Associate Degree in Registered Nursing. My question to you is, should I work a year and save to pay for my bachelors degree? or Will I be able to get financial aid while working as a nurse to get my BSN? -- I guess indirectly, I am asking you will I make too much as a nurse working full time for Fin Aid and have I maxed out my Financial aid use?

[@Edspira]

Grace Faith This is a great question and something a lot of people struggle with. You will be eligible for financial aid if you work as a nurse while taking courses for your BSN-- the amount of financial aid you are awarded will be based on your income from the prior year. Thus, if you made a lot of money in the prior year, you might not receive any grants. However, you will still be eligible for students loans. It is possible that your BSN program might offer grants or scholarship money independent of those you'd receive from the federal or state government. In terms of maxing out your financial aid use, you will continue to be eligible for aid as long as you make "satisfactory progress" toward your degree (which means you're passing all your courses and not having academic problems). I hope this helps!

[@mildredwilliams5425]

If you get scholarship monies from local businesses, will that reflect in the package or can the student just use as he see where he needs it?

[@lisanguyen1182]

Just wondering, is it possible to transfer from a private to a UC?

[@brooksbrocc]

only reason im gonna be able to go is cause my dad died and left me a trustfund with the insurance money they got cause he was in a car accident. even with just that im barely gonna make it.

[@benmartin3180]

What does the government consider poor enough to receive benefits?

[@jadalucas7102]

thxs so much. It was quite helpful

[@dorocamukuba355]

Am a Californian resident who wants to study from Arizona will I be able to get some financial aid. Or how do I go about t

[@angelicawilliams1961]

I had to freaking sit out a semester!!! I don't think it's fair!

[@Edspira]

Have you looked into community college as a cheaper alternative? If you get an associate degree, your first 2 years of coursework will transfer to a 4-year university.

[@imback2killu328]

I paid and I'm fully covered for this year

[@youngkeazy2806]

4:38 that’s not true. I’ve taken the maximum amount of loans and that along with my pell grant and work study won’t cover my tuition. Still don’t know what I’m gonna do

[@crazypplhacks1]

Fafsa only covers about 40% of my tuition ans I still don't know how the heck I'm going to pay for the rest.

[@Breepable17]

I'm in the same spot. If my family and I can't come up with the money I'll have to drop out.

[@HeatherBlackbeauty]

Alot of companies actually give you discounts. Check out my article www.heatherblackbeauty.com/blog-1/the-ultimate-list-of-college-student-discounts

[@shreeyanshkumar9989]

Sir, please explain in more detail on accomodation prices also,i am a student from india , i wish to get into college but my family doesn't have enough income to send me to college ,covid came in and destroyed my family income,we don't have FAFSA like thing in india , so i searched out and got your video , sir please make a video on can i apply for the same, which universty forms do i have to fill or i can fill, whether will i be able to afford everything even after FAFSA ,that is accomodation or renting an apartment , food, etc I am in a big problem ,if you could inform me or help me any way , i will b very greatful to you, my financial condition very poor

[@mipuravida27]

thank you for this information 😀✌

[@ImaginaryZombie]

If you dont want to take the student loans because you want to avoid debt is it possible to still recieve the rest of the money?

[@Edspira]

Absolutely. You will receive a financial aid award letter from your university that outlines the details of your offer/award package. You can accept or decline items on an individual basis, so you are free to accept the grants and decline the loans. If at some point in the future you change your mind and think you might need a loan after all, you can contact your financial aid office to update your decision and possibly receive the proceeds of the loan later in the semester.

[@anushikhalohagan2770]

great video👏

[@Edspira]

+Anushikha Lohagan Thanks!

[@coreyfreeman4053]

I just didn't answer questions regarding my parents income and im classified as an independent student so im over a certain age

[@jacobtran4010]

thank you so much... im so poor and i ned help.

[@Edspira]

Hang in there! It's not easy but you can do it. Make sure to fill out your FAFSA form. Your high school guidance counselor or a librarian can help you with this. Then apply to 5-10 colleges where your SAT or ACT score is very competitive compared to their average score among their current students. If you didn't do very well on the SAT or ACT, check to see if there is a community college near where you live. To save money, I went to a community college for 2 years and received an associate's degree. Then I transferred to a 4-year state college to obtain my bachelor's degree. This saved me a lot of money as the community college courses were much cheaper than the courses at the 4-year university. If you need a place to live, see if you can find a group of college students who are sharing a 3-bedroom apartment or something. Then you can rent just a single room instead of having to rent an entire apartment or pay room and board at a college, which can be expensive. I hope this helps!

[@jacobtran4010]

hey thanks man

[@justsomeawesomedude2608]

Okay, when you can get $11,500 to pay for college how do you pay for those popular college that above $30000 for each year? That’s 3 times the amount.

[@Edspira]

For starters, the $11,500 is for demonstration purposes. If you have a higher financial need, then the more expensive colleges will be more likely to give you aid. Also, most state colleges are much more affordable than private colleges and many state colleges have good reputations (i.e. rank high). Worst case scenario, you can always fall back on student loans. Colleges will often give you plenty of money in loans to cover your remaining expenses (tuition, room & board, books, etc.) The key is to apply to colleges that you think you'd have a good chance of getting admitted, then see what the financial award package is that they offer. Good luck!

[@gined729]

I want to study abroad and the only university in my same state and city is a university that as that the tuition cost is $44,000( this only tuition) then, how I do to get to pay the uni? ?? ??

[@aryansingh6586]

Does Canada have something like financial aid ?

[@temujinsharavdorj1561]

does grants allowed for international students?

[@dr.jotarokujo5288]

God, i really wanna go to college. I dont know if its possible tho, neither of my parents graduated high school and no one knows anything about college in my house. So i dont know where to start in regards of looking for money😥 Ooh stressedddddd I am

[@bmikaya1]

Captain Since neither parents went to college you qualify as a first generation college student and there are many scholarships for that. You can go on Unigo, fastweb, or cappex for scholarships. Try to go to a community college for two years until you can fund a university or college. Hopefully this helps :)

[@Payangher]

If you go to a private college, will you still be able to apply to get financial aid?

[@Edspira]

Yes. Be sure to submit the FAFSA. You may also be required to submit the CSS Financial Aid PROFILE.

[@MakimaDog]

what if i’m considered out of state even though i’m not?

[@shnetwork409]

Don't just file for financial aid if you don't completely understand what you're investing in.

[@harmonyquinn2557]

I'm 22, kind of college drop out, with a 10 month old looking for a way to get back into school quickly for the both of us. I remember my first fafsa (I went to college for 2 weeks and stopped) a grant covered my whole tuition but I still took out $8000 for the semester (that I obviously didn't complete). But my aunt filed that out. Plus that was in my home state of Ohio. I'm now in Tennessee. So you think I'd be able to get around that again so I'd be able to pay living costs for my son and I? As in do I have to pay all $8000 back to get aid again or? I'm okay with working and school, I'm just not trying to miss out on a lot of his life either. I need a balance. Plus there's no way I could do it without aid. I don't honestly care how much debt it leaves me in if I get a degree that sets us up for the future.

[@Edspira]

Harmony, It's difficult to say exactly how much aid you will get. Given that you have a son, you may be eligible to apply for independent status if you provide more than half of his support. If you qualify for independent status, then you'll be eligible for more aid since your parent's income will not be calculated into the Expected Family Contribution. We have actually posted 25 videos related to getting financial aid for college on our website. You can view more of our videos for free here: edspira.com/lessons/getting-financial-aid-college In regard to the program that you choose, make sure that the program is accredited. There are many colleges out there offering degrees that aren't accredited, then students who graduate from these programs have a difficult time finding jobs and paying off their loans. Taking on a bunch of student debt doesn't seem like a big deal initially, but once you graduate it can be really debilitating if you can't land the type of job you thought you could get (I know this from experience). My point is, don't always take the full amount of aid that they offer. Be judicious and only take what you need to get through the year because you may end up with larger payments than what you can afford once you graduate. Most likely there is a way for you to afford college while raising a child. I wish you the best in your endeavors. Take Care, Brooke

[@harmonyquinn2557]

Edspira my problem is is that back in 2013 I took out a loan for school. I went right to college after high school, but only went for 2 weeks. I'm pretty sure I took out $8000. Am I going to have to pay it all back to get financial aid again or is there a way around it?

[@justinw8512]

You have to sign a repayment letter and then you can get financial aid again

[@ryandantinne]

If only tuition was $10,000 the school I plan on going to is $50,000

[@teharibrahim7110]

For french studdents wich learn in american's univertisty , have I a right for financial help ?

[@Edspira]

You are eligible for scholarships and possibly institution-based grants (depending on the university), but not federally-sponsored loans or state assistance. You should email the financial aid offices of the universities that interest you and inquire about the typical financial aid package for foreign applicants at their universities to get an idea of what kind of scholarships/grants you might be eligible to receive. Good luck!

[@MichiganUSASingaporeSEAsia]

A recent "Wall Street Journal" article www.marketwatch.com/story/heres-what-it-would-take-to-make-college-tuition-free-2018-10-05 A city discovered a fix right here in the USA--Kalamazoo city Michigan is the first to provide a free college education in America for all its residents. If you want to go to a private university they still cover up to 100%. You can even go to University of Michigan or Western Michigan University (public universities). Possible to have it all covered. Even former president Obama mentioned it in his speeches. Many states are trying to replicate..It is called “Kalamazoo Promise” program and even foreigners may qualify. This is not to any surprise since Kalamazoo city was the first in the nation to provide a free education for all residents from K-12 long before other cities and state made it common. No wonder so many famous inventors and individuals come out of this little innovative community.

[@anthonyadames3989]

Great vid

[@reyrivera8002]

I'm enrolled to go to a college and I'm poor man... The college I'm enrolled to the first year is 40k that first year. With everything in my package I only got 21k including student loans. Idk what to do. Any advice?

[@Monailong]

work till you pay the rest off

[@Edspira]

That's a big gap. While you can definitely offset some of your educational costs by working, it's not common for undergrads to make more than $19,000 a year while attending school full-time. Have you been admitted to other schools? Have you considered getting an associate's degree at a community college, and then transferring to a 4-year university? (I'm assuming you are an incoming undergrad)

[@jordannxx6623]

I have to go for 4 years for a bachelors degree it'll come out to around 68,000$ im-

[@davidblake5155]

The government was only going to give $1000 and my family lives in a 2 bedroom apartment thats absurd. College isn’t worth it honestly every college student gets into debt and gets fucked over. Im just going to move to italy and live in a little village

[@jiminpark4158]

When do students receive award package?

[@marysolperez7618]

Did you ever get an answer?

[@coolmansanchez]

I am so stressed what do I do my college is estimated to be 18,524 and I am thinking of being in the army reserve but it still won't be enough!! Help I'm From California

[@jeanp.5929]

YaBoi TK! The military has something called the GI bill. With the reserve, it's a little tough. If you were on active duty, you would just have to do three years of active service to get the full GI bill. But with reserve, I think you have to do the whole six years to get it. Check with your recruiter. The GI bill pays up to $18,000 and if your school is a yellow ribbon school then the yellow ribbon program will cover the rest. Those are your options for when you're done with your service but for right now, it's a little tough. You'd have to ask your command what's available. Your recruiter might not tell you everything. Remember, they want to hook you on the first line so hassle them for all the info you need.

[@jeanp.5929]

YaBoi TK! Don't forget, you'll get monthly pay too so add that to your calculations.

[@nillavice]

This video is not very helpful. Most colleges cost a lot more (including tuition and fees, housing, books, food, etc.) than financial aid can cover (even with student loans).

[@bethanybrown2022]

Financial aid don’t work if they think you’re too rich. FASFA doesn’t care that my parents got medical bills and stuff to pay for. I wish they’d look at my income. I live with my parents but I pay my own bills and buy food (I’m vegan, my parents are not). They can’t help me with anything.

[@Edspira]

A good friend of mine was in the same situation. She wasn't even on speaking terms with her family, and they never paid a cent towards her education. But, unless you meet the criteria for "independent status", your family income will be calculated into your FAFSA. Best of luck to you!

[@HeatherBlackbeauty]

Alot of companies actually give you discounts. Check out my article www.heatherblackbeauty.com/blog-1/the-ultimate-list-of-college-student-discounts

[@BigOlSmellyFlashlight]

tEM pay 4 colleg

[@angelanazirah5536]

Hey I owe 2,000 on the freshman year of school and already taken out a student loan. They're saying in order to get another loan my parents would have to take out one but their not willing is there a way to get around this

[@Edspira]

Go to your financial aid office and explain the situation. Sometimes they will be understanding if a parent absolutely refuses to pay. Can you get federal-work study funds? Work some extra-hours at a part-time job? If you simply can't afford it, look into a community college for your sophomore year. You might be able to get an associate's degree and then transfer back to the original university for your junior year. I know community college isn't glamorous but you can save a heck of a lot of tuition that way.

[@GospodinNelson]

Lol I need only 3500€ for Year 1 and I can't afford even it

[@jasir0074]

in Canada also

[@yazshu]

tem pay 4 colege?

[@michaelgalban8062]

I have to pay 900 monthly

[@msglennyd]

how does this work for online education

[@Edspira]

The online school must be regionally acredited in order to receive finacial aid.

[@victorfrohlich548]

Huh did College cost money? College Its free in Denmark and you earn money for it. Thats wierd

[@crappyaccount]

In America, not so much. Like so high we collectively have over a trillion in student debt. For context, there's only 330 million people here, and since we don't all go to college, all that money is owed by even less than that amount of peopole

[@Schimyping]

I was awarded less than half of what my tuition for the year is going to cost...

[@jerimiahbenson8912]

dude your awsome

[@Edspira]

Thanks Jerimiah!

[@mariamdawoud4819]

Bro I can't go to high school I can't like no don't tell me your parents your brother give you some money no one not even a 1$ All my friend started school but me sitting here only eating and sleeping it's not the first year it's been 2 years and I can't go school also we don't have any jobs here so I can't work to save money bruhhh i'm in painnmnnnnnnn help?

[@kyeremak]

Sounds good

[@wonder6013]

Everyone, don't buy books. Pretty sure everyone knows but if you don't, here ya go

[@rileybreimayer3390]

Why should my parents income effect on how much money I need for college! I don't live with my parents, they don't claim me on my taxes. My parents both have good paying jobs and a huge house. They are financially stable. Me on the other hand I live in a apartment paying $1000 in bills and shit. Under what circumstance is that ok to give me less money than people who don't. Guess who's paying for college? ME NOT MY PARENTS! This is what's stupid with this shit. I'm barley living on my own and hanging on by a thread. I barley make $13 an hr. But guess what I have other expenses to pay for. I can't go to college cause in the great of all things my parents make to much money for me to not get finical aid.

[@EchadLevShtim]

I did a test run. I have lived independent for well over a decade or so. I am assuming I applied too late in the year but just wanted to see how much they offer. I make 20k a year cooking and have 40 bucks in my account. So I am dirt poor. They offered 2k, lmao!! Is this a joke or is it because I didnt apply early?? If so, when is the 1st day to apply for 2015? 2k will cover the books, maybe.

[@Edspira]

You can apply for the 2015 school year after January 1st. It's hard to comment on the size of your award package without knowing all the details-- did you apply to a community college or a 4-year university? Did you have independent status or did they consider the income of your parents?

[@jeanp.5929]

LendMeYourHand He was most definitely independent. Schools usually don't give out that much money. Your Pell grant, if this was the first time you went to college should of been 2.5 times as much if that was it. There's other grants you can get too but don't expect to get all your tuition paid for. There's a reason why so much people are leaving colleges in debt.

[@coyote434_6]

My dream school tuition is 55k Sigh

[@maximumoccupancy]

Same

[@coyote434_6]

The Fidget Spinner Movie Rip bro

[@susivonprall4630]

This is the moment I should start looking for sugardaddys