f*cking hell, I need a serious vacation from my life. things, when they start to seem to get under control, always manage to spiral out of control. and usually without letting me know ahead of time or being something I can control.
bills keep piling up. figure I'm behind right now about $1500 on my bills. give or take. it really sucks. and it'll keep piling up. and when, just when I think I can get caught up (IE, working 56+ hours at work), nope, something gets in the way. such as having to pay my insurance bill in its entirety or else my car insurance would get cancelled (so $380 instead of the $80 I was planning on).
now, my financial aid (which would have given me a nice refund, allowing me to catch up and get ahead of the game) seems to be screwed up as well. I e-mailed someone, who said they think its something internal. we shall see. I finaly got onto the one website (National Student Loan Data System). I then check my expected family contribution (mind you, I'm independent), and its $6460 (I've grossed $7673.07 and have had $1410.17 taken out in taxes....and additional United Way contribution of $32 so far....figure that one out!).
I then check my SAR comment (Student Aid Report), and get this message:
"Based upon data provided by the National Student Loan Data System (NSLDS) and your reported grade level and dependency status, we have determined that you may have received student loans in excess of loan limits established for the federal loan programs."
fuck, what does this mean? my credit is shot, so I doubt I'll be able to get a bank loan for school. yup, I'm screwed.
and wish I had someone to talk to about this. I have a mom who replies with "I told you that you needed to budget for this. I told you that you should have been saving for a year for this" and such lectures. gee, this is also the same mom that, when I was under 18, my grandmother set up a savings account for me with my mom as the person in charge of it. there was $2300 deposited into this savings account. I used no more than $500. when I finally harped on her to get it turned over (she made excuses for about a month I think....such as "You need to find the passbook, its in this box I think" to which I would reply "Uhh, nope, checked it already." and she would say "I'm sure its in there, check it again." or she was too tired from work or didn't feel well or didn't want to go out and such), I had less than $100 in the account. she can't tell me what she spent it on.
and a sister who owes my mom about $5,000, isn't paying her back, but will make comments about others needing money.
all I really want is someone to talk to, someone who'll listen, who'll help me process this through. I'm in a financial bind in many ways, I'm looking at possibly not finishing. not being able to pay my bills. you know, car re-possession, all that fun stuff. and all I get it "I told you to budget!" from someone who can spend other people's money better than her own, and who talks about having no money but manages to eat out 5 or 6 times a week! WTF!
really, is it too hard to ask for someone who'll listen? even for a day? is it? I'm stressed out to the point of wanting to give up right now. with pretty much everything. at work, pushing carts, the urge to SI came back again. I don't want that to happen. but things are bottling up, and no way I can find to let them out! it sucks!
well, thanks for listening me vent. I'm hoping my financial aid problem is the switch (from being a December Grad to May Grad) that hasn't caught up with the Financial Aid Office yet! or a screw-up on their part! either way, come Monday, if I don't hear back, I'm stopping by campus to figure out what to do!
so, does anyone know the maximum amount you can take out in your lifetime for Stafford Loans? I can't find it anywhere! and it would really help!
thanks!
bills keep piling up. figure I'm behind right now about $1500 on my bills. give or take. it really sucks. and it'll keep piling up. and when, just when I think I can get caught up (IE, working 56+ hours at work), nope, something gets in the way. such as having to pay my insurance bill in its entirety or else my car insurance would get cancelled (so $380 instead of the $80 I was planning on).
now, my financial aid (which would have given me a nice refund, allowing me to catch up and get ahead of the game) seems to be screwed up as well. I e-mailed someone, who said they think its something internal. we shall see. I finaly got onto the one website (National Student Loan Data System). I then check my expected family contribution (mind you, I'm independent), and its $6460 (I've grossed $7673.07 and have had $1410.17 taken out in taxes....and additional United Way contribution of $32 so far....figure that one out!).
I then check my SAR comment (Student Aid Report), and get this message:
"Based upon data provided by the National Student Loan Data System (NSLDS) and your reported grade level and dependency status, we have determined that you may have received student loans in excess of loan limits established for the federal loan programs."
fuck, what does this mean? my credit is shot, so I doubt I'll be able to get a bank loan for school. yup, I'm screwed.
and wish I had someone to talk to about this. I have a mom who replies with "I told you that you needed to budget for this. I told you that you should have been saving for a year for this" and such lectures. gee, this is also the same mom that, when I was under 18, my grandmother set up a savings account for me with my mom as the person in charge of it. there was $2300 deposited into this savings account. I used no more than $500. when I finally harped on her to get it turned over (she made excuses for about a month I think....such as "You need to find the passbook, its in this box I think" to which I would reply "Uhh, nope, checked it already." and she would say "I'm sure its in there, check it again." or she was too tired from work or didn't feel well or didn't want to go out and such), I had less than $100 in the account. she can't tell me what she spent it on.
and a sister who owes my mom about $5,000, isn't paying her back, but will make comments about others needing money.
all I really want is someone to talk to, someone who'll listen, who'll help me process this through. I'm in a financial bind in many ways, I'm looking at possibly not finishing. not being able to pay my bills. you know, car re-possession, all that fun stuff. and all I get it "I told you to budget!" from someone who can spend other people's money better than her own, and who talks about having no money but manages to eat out 5 or 6 times a week! WTF!
really, is it too hard to ask for someone who'll listen? even for a day? is it? I'm stressed out to the point of wanting to give up right now. with pretty much everything. at work, pushing carts, the urge to SI came back again. I don't want that to happen. but things are bottling up, and no way I can find to let them out! it sucks!
well, thanks for listening me vent. I'm hoping my financial aid problem is the switch (from being a December Grad to May Grad) that hasn't caught up with the Financial Aid Office yet! or a screw-up on their part! either way, come Monday, if I don't hear back, I'm stopping by campus to figure out what to do!
so, does anyone know the maximum amount you can take out in your lifetime for Stafford Loans? I can't find it anywhere! and it would really help!
thanks!
and I can't help you bro.
three days until the first day of school for me