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How to Deal if Your Parents Can't Pay

How to Deal if Your Parents Can't Pay

They may support you in every other way, but unfortunately, they can't always afford to pay.

By Kathryn Knight

April 21, 2009

Unfortunately, federal aid isn’t distributed on whether or not your parents want to pay for your education; it all depends on if they can. Parents have many reasons for not contributing to their child’s education: can’t afford it; it’s the child’s responsibility; sticky divorce. But your parents refusal actually hurts you more than they may know.

Regardless of your parents’ reasons, the federal government’s opinion is this: paying for a college education is your parents’ primary responsibility. The government will only finance your education if it’s impossible for your parents to pay up. So what should you do? Fill out the FAFSA. Good news: it’s not too late. Bad news: you’re already enrolled in school and still need to convince your parents to fill out a FAFSA.

Even if you don’t qualify for need-based aid, filling out the FAFSA automatically qualifies you for an unsubsidized Stafford Loan. Yes, “loan” may be an icky word, but a federal government loan is the best loan opportunity that you will ever come across. The interest rates are low, 6.8% on the unsubsidized Stafford loan, and the payment plans make it easy to pay off your debt.

Also, by filling out the FAFSA, you may qualify for subsidized Stafford and Perkins Loans as well as Pell Grants, which are even better.

Pitch the idea from the angle that they don’t have to help financially but they can do you this huge favor. Additionally, it’s not a bad idea to go to your school’s financial aid office and present them with your situation. Maybe they can pull some strings or talk good old Mom and Dad into helping. Still not budging? Check out these other tips on convincing your parents to help this one last time.

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    NullN681184

    1 day ago

    my parents tell me to join the military instead of going to college, it makes me sick. they say the military has good benefits once your out

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    SamV8

    about 1 month ago

    My parents make around 30-34k a year(combined), which is more than some people on here, but really nothing compared to others, and the governments says they should cover 2-3k a year for my tuition in school. I live at home and dependent on them. Since I have been college, now at a university, I have only taken out 1800 dollars in loans since I have been in college since fall 05. Granted, I have paid out of pocket here and there: most of my money for school has come from Pell Grant, Florida Student Assistance Grant and one scholarship, which was only 500-700 a year that finally ran out last year; however, I have been able to cover the cost fairly well compared to others. Being poor or under the line helps with paying for school. My parents had absolutely zero money put away for me for college, yet I have been able to manage thus far even though I am attending an expensive university which is double my community college tuition! I think the government is willing to help anyone pursue a higher education even if that person is broke with no money. I plan to study abroad this coming Fall, and I have no idea how to cover the cost, but I am willing to try and find a way!

    Cheers

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    LisaV243

    about 1 month ago

    As a parent, I am concerned for my child's education. I am currently in a trade school to get my education and I am covered in loans. My son opted to join the Navy instead of heading to college right away. For young men, I think that is the best way for them to learn to be a young man, serve, then get your educational degree. I worry about the two children remaining after him. His sisters still need an education as well. My youngest I am unsure of her route as she is only in 5th grade (middle school where we live) and her sister is a grade level behind her brother. What I do not understand is that the gov't seems to feel free to tell me it is my DUTY or shall we say DEMANDED DUTY to cover their college bill. When legally at 18, they are LEGALLY responsible for their actions, so why force kids to go by MY income? The child is 18, can do whatever THEY want regardless of what I say or do. I was responsible for k-12, after that it should be based on their own income, not mine. It is especially unfair to children whose parents are in the upper income levels who choose for whatever reason to not help their kids. Where is their lot??? In a society that DEMANDS college to go anywhere in this country, we really need to rethink our college education system.

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    stepup50

    about 1 month ago

    i want to go to college and further my education but money is always on my mind. i dont really want to worry about money and getting into debt at a young age. i want to be stress free while i am in college....

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    BrittanyH2489

    about 1 month ago

    i really want to go to college, and i plan on it, but my parents can't even afford to give me lunch money for school. and i'm lookin at eight years of college to be a trauma suregon ;-( any advice on how to get some good scholarships?

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    Ba0yang

    about 1 month ago

    I've read most of the comments below and I, too, agree with all the government issues. In this world, you either go to college or fall behind in life. However, most people can't afford to go to college ! Does that not ring any bells?! College is expensive and sometimes it never ends, the bills I mean. Sigh, I want to go to one of the best colleges in Michigan, here, but my parents don't have the money to send me away, I understand it. However, I'd like for them to understand too that, by just going to a community college, one does not prevail those that have gone to bigger, greater and better universities. THEY JUST DONT UNDERSTAND !

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    DavidH795

    2 months ago

    My parents make around 150,000 dollars a year combined. They have a lot of dividends/assets that are worth a lot from my grandparents. I want to attend a private school. I have the grades but they refuse to pay telling me "they don't have that kind of money." We live in a 400,000 home in northeast ohio and own a condo on lake erie. We have 4 cars, 2 of which are upper class luxury vehicles. We eat at fancy places where a steak is 40 bucks a plate. It makes me sick when they say "I don't have enough money to pay for your education"...or "I don't owe you a college education." They won't even fill out the FAFSA...not that it would really help anyways because they MAKE TOO MUCH MONEY!!! I can't get a college education where I want to because they refuse to pay and i am financially dependent of them. They run my life because of the money in which they make. I have no choice but to comply...how do you think that makes me feel? Sure...they will pay for a community college...my grades and their income say that I should be going to Yale!

    For a parent to have a child or adopt (as in my case), they become responsible for that child's future. If they refuse to take responsibility (like my dad has), then they have been terrible gaurdians. You don't have a child and then tell them "well see ya, good luck with your future." No. You make sacrifices or don't have the child.

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    Mayacombs

    2 months ago

    I find the article unrealistic to the point of being absurd. I, like many ifnot most of my contemporaries, paid my way through college with very little help from my parents; I don't remember them ever paying my tuition. This was very common back in the 70s, 80s and 90s. To state, especially during an economic downturn, that they are primarily responsible for paying for college for young adults (that is what you are when you enter college)changes the whole American paradigm of independence and being able to work your way up in the world. I am not divorced. My wife and I BOTH work, (something my parents didn't have to do) we have college degrees and we are still just barely getting by as it is. WE WILL HAVE TO GET HELP, LIKE MOST MIDDLE CLASS AMERICANS, TO GET OUR CHILDREN THROUGH COLLEGE. To label all of us as somehow being deadbeats is an incredible insult.

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    MaceySid

    2 months ago

    My mom is blind, and dosent have a job. My dad left before i was two and i live with my mom and grandparents. my grandparents bothhave little jobs, supporting me and my mom. I have to get a scholarship, if i want to persue my dream of becoming a marine mammal vet....

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    JoshuaH480

    2 months ago

    The problem herein lies, in the method that the Federal Government obtains data to determine if parents can afford to pay for their children to attend Colleges/ Universities .

    In our situation we only have one child living at home with us and under the age of 21. We ALSO (which the Federal Gov't will NOT take into their factoring) have 5 other Adult children in college...but they are not living with us any longer, have apartments, got married and own a home, etc...)...COUPLED with the fact that we are senior citizens living on a fixed income. The Federal Gov't calculates the FASFA for our son based on (1) child in the family. If we spent the kind of money on our children's advanced educations...WHAT WOULD BE LEFT FOR OUR RETIREMENT!? Are our children going to pick up those expenses. OUR GOVERNMENT SURELY IS NOT!!!!

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    EmmanuelO192

    2 months ago

    A'm also in west africa which to live my country and go to another country to live there forlive but no sponsor but knw i think there is now i will try and apply 2 finish my education

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    steph7776

    2 months ago

    Why should it depend on our income? If we want to go back to school, there should be some kind of help?? Now the governmnet want to tax us for returning to sv=chool, they'll do anything to get money! Why don't they want to give any grants away anymore? They give the rants to people who aren't even citizens, it's not fair!! I barely make enough money to get by, and my mom &dad help me alot, but I still have no money at the end.

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    KensfordL

    2 months ago

    pls i am in west Africa so what am going to do.

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    urmomafan

    2 months ago

    My education was flushed down the drain when i recieved my first D in high school. I take one step out into the real world by going to a community college for a couple of semesters and getting a part time job. Hoping one day i can go to a four year university. My Dad work to put a roof over my sister and me for years and years. Our run down apartment rent increase every year makes it harder on us. My future is in the hands of the government because i know my father is trying his best to keep me healthy and alive.

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    ihellokitty3264

    4 months ago

    i surely agree cuz we need that help.

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