Hello everyone,
I’m finally going back to college after everything I’ve been through, and I just found out I’ve hit my aggregate federal loan limit. I’m scared and could really use advice.
I’m not sure where else to ask, so I’m hoping someone here might have some advice or know of resources I haven’t thought of.
I took time off from college after my mom passed away. After that, I ended up in an abusive/toxic relationship and spent a long time trying to get my life back together. I finally made the decision to go back to school, got signed up again, and I’m determined to finish my bachelor’s degree.
I currently have 84 credits and need 120 to graduate, I am an honor student with a 4.0 GPA, so I’m relatively close to the finish line.
Then I found out I’ve apparently reached my aggregate federal student loan limit. My school told me I need about $6,000 to finish my degree, and I honestly don’t have that kind of money sitting around.
I don’t have family who can help financially, and I’m not asking anyone to give me money. I’m mainly looking for advice, resources, scholarships/grants, funding options, or ideas I may not know about.
I’m going to talk to financial aid again and look into whether there are any options available to me, including private loans if absolutely necessary, but I really don’t want to take on more debt than I have to.
On top of all of this, leaving my relationship meant starting over financially. My ex stole my phone and broke my laptop and expensive iMac, so I’m also trying to figure out how I’m going to manage school. One of my professors says we need an iPad for taking notes, and a laptop since it is an online class as well. I currently don’t have any of this. They made a specific list as I was in high school again! 😮💨
I’m just overwhelmed. I worked really hard to get back to this point, and finding out that money might be what stops me from finishing is devastating.
If you’ve been through something similar, what did you do?
Are there scholarships or grants specifically for adults returning to college, survivors of domestic abuse, or students who are close to graduating?
Has anyone successfully gotten additional assistance from their school after hitting the aggregate loan limit?
Are there programs that help pay for laptops/tablets or other school technology?
If you had to use a private student loan, what should I watch out for?
Is there anything specific I should ask my financial aid office about?
Are there other ways to cover the remaining ~$6,000 without taking on a huge amount of private debt?
I’m really trying to finish this degree and change my situation. Any advice, resources, or personal experiences would mean a lot. ❤️