Is there any way to get help this late?

Question

I'm fresh out of high school, and I'm supposed to be starting college this August.
However, after my college received my FAFSA form, the loans they offered me were puny, and the only substantial loan I could get needs a cosigner (and my parents' credit isn't good enough, though it's no fault of their own.)
From the get-go, filling out my FAFSA determined that my parents essentially "make too much money" per year to get any grants, despite the ridiculous amount of debt we're in.

I've applied to numerous scholarships, and I haven't been awarded a single one. Again, because my parents' gross income is too high.

In a month, it'll be August, and I have no way to come up with money for, well, anything, aside from textbooks.

I have a minimum-wage paying job, parents who are already struggling financially, and I'm in a hole.
Is there any way out? I really, REALLY don't want to wait a semester or a year to apply for scholarships again. Is there any possible way to get around this?

POOTYTAY · Accepted Answer

If you lived on your own, or with a friend, then based on what you make, you would qualify for what used to be a Stafford Loan (subsidized, or unsubsidized) , they're called something else now. Do you have a friend or extended family member that will let you say that you live with them & pay rent. Stafford Loans don't need co-signers, nor do you need to have good credit. As long as you live with your parents, your gonna be screwed.
https://studentloans.gov/myDirectLoan/index.action ....this website might help you.

just not that · Answer

It sounds like you need to find a cheaper school.  

You can attend MANY MANY MANY schools on that "puny" loan you were offered.  Plus, you'll have money left over for gasoline and such.  In my area a community college is less than 3,000 a year and a regional state school is less than 5,000.  Find one of those!!  If you don't then it sounds like you'll literally be going nowhere this fall.

Dentist · Answer

can another family member co-sign for you?

my husband, a dentist, came from a single parent.  He worked at a grocery store at nights during his college years and got his own loan without his parent. 

another option would be to become a part-time student and work full-time.

Is there any way to get help this late?

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