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Why do colleges assume parents are going to be able to pay for college and suggest they get federal loans?

I have applied at two colleges and been accepted. The first college I did not qualify for any out of state scholarships and they suggested I get a Stafford Loan and my parents get a loan for $33,000 as a Federal loan. My parents are not able to do this and they will not be able to assist me with college finances, with the exception of a minimal amount. Why do colleges assume parents are paying and not give other options for covering expenses? #financial-aid #tuition

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Wael’s Answer

Christian, you should have done your research and applied to the colleges/universities that you could afford. Having said that, college tuition is increasingly being a burden on young people like you. A lot of tax money has been taken away from education which I don't agree with to say the least.


Regarding your issue, you have to apply to scholarships and student loans. I am sorry, but this is the norm now!
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Solangel’s Answer

I'm so sorry about your situation. Hopefully, you were able to continue your higher education despite the initial difficulties. I was able to graduate with a Bachelor's degree with a job offer already secured. I'll tell you the general steps of how I got there. I began by going to my local community college. Depending on the state you live on, those two first years will be for free. After that I transferred to a main university. Preferably one your community college has a tie with to assure all your credits are transferred. I had to move states, so some of my credits didn't transfer and I had a more expensive tuition my first year.

I was still able to graduate and secure a job with a yearly salary equal to my total student loans. I know that community college is very stigmatized and is no one's first choice. However, is the cheapest way to start your college career. It might take you a little longer and it might be less fun than a traditional college path, but if your main end goal is to graduate with a degree that will secure you a good paying job, then community college then transferring to a 4-yr institution is your best choice. While you're in community college, research how to build your own credit and start doing so ASAP. By the time you're done with community college, you'll have a somewhat decent credit (maybe around the low 600s because of lack of good income).
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