My life is a tangled mess...
August 16, 2012 10:48 PM Subscribe
I'm a 20 year old college student and I was recently cut off from my parents. I have literally NOTHING -- no health and car insurance, no money, no extra clothes other than the ones I ran away wearing, no car, no phone, and etc. Please help me get my life back together!
posted by squirtle to education (40 answers total) 6 users marked this as a favorite
I'm attending a community college in southern California and am finishing up my last year before I (hopefully) transfer to one of my dream universities: UCLA or UCBerkeley. Until a couple days ago, I lived with my parents and was totally financially dependant on them. Tensions were always high between my father and I due to his anger problems, and my mother always failed to protect me to the point of enabling his behavior because "they had to keep a unitied front". My childhood consisted of watching my father rage uncontrollably, seeing him punch holes in the walls, furnitures flying everywhere, dishes thrown out the window, shattered glass, watcing my mother and sisters crying hysterically on the floor, and beatings.
What fucked me up worse was when I watched him tear down a shelf that had hit his head falling down that caused him to bleed profusely. He turned towards me and screamed that it was all my fault and then proceeded to splash blood all over the walls... all because my 14 year old self didn't want to clean my room.
On Monday, he demanded to know who I'm sleeping with and threatened to kick me out if I didn't comply. I told him that I'm an adult and that it was none of his business, so he charged at me with a closed fist. I wasn't going to take his bullshit anymore, so for the first time in my life I physically assaulted him back. The sheriff was called and upon seeing both of us scratched, bruised, and bloody, he threatened to arrest us both or nobody at all because I had hit back and "it should be handled within the family."
So that is why I'm here. I got thrown out with literally NOTHING -- no health and car insurance, no money, no extra clothes other than the ones I ran away wearing, no car, no phone, and etc. I'm going back to my parents' house escorted by a sheriff and a couple of friends to get my important documents and countless other belongings this weekend. Please help me get my life sorted out to meet my educational goals this coming year!
I already found a place to live ten minutes from my community college because my aunt so generously took me in for free, which eliminates the need for shelter, a car and car insurance. She's estranged from my parents so that is a super plus. In addition, FAFSA granted me enough money to cover my tuition for the next year and gave me $4k in excess. Now I need to figure out the rest and this is where I'd love your input.
1. FAFSA 2013-2014
My parents made it crystal clear that they refuse to provide their information for next year's FAFSA in an attempt to screw me over when I transfer to university. I am working with my community college to give me an exception to this rule by providing documents to prove emotional and/or physical abuse.
If FAFSA doesn't cover all my tuitions, how am I going to get loans? I'm totally fucked. I have no credit and nobody to cosign my loans. Not just for university, but what about medical school!? Which leads to...
3. Building Credit
As soon as I get my documents, I'm going to sign up for a credit card to build credit. Am I starting too late? Will I build enough in time so I wouldn't need anybody to cosign my loans?
4. Health Insurance
I'm totally fucked on this one too. I've been running around with no health insurance for two years because they priced me out for a suicide attempt.
5. Prepaid Phone
I've been doing my research and I think I'm going to settle for T-Mobile's $30 a month prepaid plan with 100 minutes (for emergencies), unlimited text and unlimited internet (the first 5GB is on 4G and the rest will be on 2G). Did I overlook a better deal during my research? Do you think this is too luxurious for a student with no job or their parents' support?
6. Important Documents
My list consists of: social security card, citizenship, Chinese birth certificate (I'm an immigrant), passport... what else? I want to take them all in one swoop so I don't ever have to contact my parents again for the unseeable future.
7. The Extra 4k
1k will go to an EMT class I want to take next summer. How do I make the remainding 3k stretch for the next year? It's not a lot to live on. :(
That's all I could think of for now. Feel free to give me other advices about dealing with this tangled mess that is my life. I feel alone, abandoned, and scared for having many more "adult" responsibilities than my peers. Thanks MetaFilter for helping me untangle the mess that is my life.