GRANTS FOR MOMS, DADS, AND STUDENTS

Posts Tagged ‘credit card debt’

Hello I recently had to drop out of college. I only have a year left but it is just too expensive for me to finish. I cannot even begin to express how difficult this is because not only have I let myself down but my family is also ashamed of me and now no one believes that I will amount to anything. I have really bad credit so I cannot take out loans and I currently owe my school 6,000 that I cannot afford to pay. I don’t qualify for grants because my mom’s income puts me in too high of a tax bracket and I have tried applying for scholarships but nothing ever goes from it. I attend an out of state university so roughly just for tuition it costs me 26,000 dollars a year meaning that I am already 76,000 dollars in debt not including the money I owe to my school currently and the credit card debt I have that I used to pay other bills. I do have a full time job but I still don’t make enough to save money because of the bills that I have. If I could eliminate my debt including my student loan debt and finish my last year of school I could start giving back to the community and really do what I want to do with my life.

My goals are to work towards fixing poverty in the US as well as other countries. I currently try to volunteer as much time as I possibly can by having 2 girl scout troops. I am with one of my girls almost everyday helping them with homework or providing childcare because their parents cannot afford it. I signed one of them up for basketball and take her to her games and practices. I would love to be able to volunteer more however I cannot with my work schedule. I would love to have a degree so that my family isn’t so disappointed in me as well as for myself so I can be an educated person. Plus with having spent so much money already on college it would be so stupid for me not to finish. I am putting in anywhere from 38-73 hour work weeks but still only have enough to pay my bills. Does anyone know how I can make 100,000 dollars so I can get almost completely out of debt and finish my last year of school? Please don’t waste my time by giving stupid answers I really don’t have time for it and I just need some help.
I am not looking for a loan. I am looking 100,000 whether someone know of people who give away that kind of money or a job that I could gte without a degree where I could make that kind of money. Also if I transferr my credits I will lose a year and a half of credit because my major isn’t offered in state. I actually now have residency in the same state as my school but because I came to Indiana for school they will not give my instate tuition even though I could now go to any other in state school and get instate tuition. Also they won’t release my transcript until I pay them the almost 7000 I owe.
I did cut back on my volunteering a lot already. The local university is where I was going to school. Everyone keeps responding with such simple answers, don’t you realize that if there was a simple answer that I would have done it. I am working my butt off by working the hours that I work and still trying to do a little good in the community.
I wouldn’t become a stripper. For those who can do it I pass no judgement but it is not for me.

I have looked at filing for bankruptcy but student loans aren’t part of it and since that is the majority of my debt what would be the point.

My living expenses are as follows:
362.50 for rent, roughly 60 for electric, water is included, don’t have cable, internet and water are free, I have a payment of 156.00 dollars that I pay every month to a loan consolidation place for my creditcard debt. Cell phone is 40 dollars a month but it is my only line, and then my student loan payments which are 396 dollars a month.
I finally turn 24 this year. So it won’t be an issue any more because legally I cannot be claimed by my mom but I tried to emmancipate myself and she wouldn’t cooperate because she wanted the tax breaks. It isn’t an easy as you would think. I tried even had a lawyer and everything. It didn’t work just so you know.