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Should I transfer to a different college and dorm?
When I first started at the college I'm currently enrolled at they told me the total cost of my tuition for 2 years would be around 22k. I took out a loan to cover the first year of $10,500 and then I also had two stafford loans that were around $5k together, so all together I had 15.5k out in loans.
Fast forward to now, I'm 4 months in and they've somehow used up ALL OF MY LOANS and they're saying that I'm only financially covered through the end of the next three weeks (or this quarter of classes). To make things even crazier I've only taken three classes at the campus and the rest were online. So they've charged me $15,500 for only 4 months of schooling and of course they don't accept scholarships.
Now I'm going to have to take out another loan and idk where I'm going to get it from because none of my family members have high enough credit to co-sign. I'm 21 so I don't really have any credit and can't get approved for a loan on my own. Somehow I'll have to figure something out.
Anyways, I live in a super small town but I have a good part time job here that works with my school schedule. I'm currently living with a family member and I really want to move out because they're driving me crazy, but I can't find a job here that will pay me enough that I can live on my own and works with my school schedule. It seems like this town and school will only lead me to financial ruin.
So what I was thinking of doing was applying at a college in another town where I can dorm (I also don't have any other family I can stay with because they all have other responsibilities), that's in a large city with a good job market, allows for scholarships and that isn't so crazy expensive.
Does this seem practical? I don't know what else to do. There's only one college in my current town and I can't drop out and go back later because my payments will come due in six months if I do that.
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If I'm reading this right you have gone through one year’s tuition in less than a semesters worth of classes. Depending on how many credit hours you’re taking between the three on campus classes and the online classes that doesn't seem possible. Especially when all you are paying for is tuition, books and any lab fees.
The first thing you need to do is go to the Registrar’s office and ask for an accounting of you deposited funds in writing. Review the accounting with them to see that it is proper and your funds were credited properly. Colleges can make mistakes. Make sure that the funds you deposited are shown as received then they need to account for every penny they charged you. IF there is a mistake or if you are charged for classes or fees you are not responsible for they need to make corrections.
Now if there is some rule they have that prevents them from making any corrections immediately you say the following. "Either you correct the mistakes and re-credit my account instantly or I will leave and go directly to the district court and petition for an emergency court order that you do so." As long as the funds owed you are under the courts limit, which it should be you can summons them to court and let them tell the judge why they can't credit your account." This is small claims or the People Court.
Changing schools is not a bad idea especially if you find this school has mishandled you funds.
As to dropping out of school and returning at a later date. My son has done this twice. Not actually dropping out but completing one course going to work then returning to school for further education. Each time his college loans were put in suspense until he completed his schooling again. All he needed was to send them a current class schedule showing he had to do was send a class schedule showing how many credit hours he was taking.
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Yes, I think the dorm situation where your scholarships will be accepted is a good idea.
However, is there anyone you can speak too about the fact you were misled about the cost of college? It's a huge, terrible problem for that to have happened. It's one thing if you misunderstood - that sucks and that can happen - but if you were mislead, that's could be criminal on the part of the school, and that needs to be addressed.
I'd strongly recommend you speak to a student advocate organization in your state, or a representative or senator in your area and ask for assistance in figuring out why your education suddenly costs more than four times what you were told it would. I wouldn't just let that go if I were you. It's really awful for a school to miscommunicate about tuition cost.
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