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- Mar 6, 2011
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- Pre-Dental
I have been homeless for 6 months. i sleep in my car and shower at a gym. I am 26 yrs old. Its hard doing this on my own. For personal reasons. Do I put this on my application?

I have been homeless for 6 months. i sleep in my car and shower at a gym. I am 26 yrs old. Its hard doing this on my own. For personal reasons. Do I put this on my application?
I have been homeless for 6 months. i sleep in my car and shower at a gym. I am 26 yrs old. Its hard doing this on my own. For personal reasons. Do I put this on my application?
Yeah my car almost got repossessed. I want to go into a shelter but I can't focus like that for school, being around random people. Im stressed out beyond believe. My credit is bad, I'm a year behind on 4 credit cards. I have only $128.00 in my account. Im off of my schools wifi right now. I get financial aid but it only covers classes, food, and my car, plus insurance for the car. Im paying $200 in insurance, $ 256.00 for my car, $400 a month in food. my classes are $ 3,800 a semester with text books. Summer close to $,2500 and no financial aid for summer. I lost my girlfriend over this, she said she needs a man who can support her. Ive come so far just to give up. Im watching chads videos and i bought destroyer. Destroyer is taking too much of my time up. And it seems like memorization. I need at least an 18 or higher to get into dentals school. I feel that way I can get enough loans and join a NAVY scholarship program where they pay for everything and give me a stipen of $ 2,000 a month. As well as my entire tuition paid for. Any advice or suggestions ?
Yeah my car almost got repossessed. I want to go into a shelter but I can't focus like that for school, being around random people. Im stressed out beyond believe. My credit is bad, I'm a year behind on 4 credit cards. I have only $128.00 in my account. Im off of my schools wifi right now. I get financial aid but it only covers classes, food, and my car, plus insurance for the car. Im paying $200 in insurance, $ 256.00 for my car, $400 a month in food. my classes are $ 3,800 a semester with text books. Summer close to $,2500 and no financial aid for summer. I lost my girlfriend over this, she said she needs a man who can support her. Ive come so far just to give up. Im watching chads videos and i bought destroyer. Destroyer is taking too much of my time up. And it seems like memorization. I need at least an 18 or higher to get into dentals school. I feel that way I can get enough loans and join a NAVY scholarship program where they pay for everything and give me a stipen of $ 2,000 a month. As well as my entire tuition paid for. Any advice or suggestions ?
hunh??Your house is on fire, yet you insist on remodeling you bathroom first.
Yeah my car almost got repossessed. I want to go into a shelter but I can't focus like that for school, being around random people. Im stressed out beyond believe. My credit is bad, I'm a year behind on 4 credit cards. I have only $128.00 in my account. Im off of my schools wifi right now. I get financial aid but it only covers classes, food, and my car, plus insurance for the car. Im paying $200 in insurance, $ 256.00 for my car, $400 a month in food. my classes are $ 3,800 a semester with text books. Summer close to $,2500 and no financial aid for summer. I lost my girlfriend over this, she said she needs a man who can support her. Ive come so far just to give up. Im watching chads videos and i bought destroyer. Destroyer is taking too much of my time up. And it seems like memorization. I need at least an 18 or higher to get into dentals school. I feel that way I can get enough loans and join a NAVY scholarship program where they pay for everything and give me a stipen of $ 2,000 a month. As well as my entire tuition paid for. Any advice or suggestions ?
Yeah my car almost got repossessed. I want to go into a shelter but I can't focus like that for school, being around random people. Im stressed out beyond believe. My credit is bad, I'm a year behind on 4 credit cards. I have only $128.00 in my account. Im off of my schools wifi right now. I get financial aid but it only covers classes, food, and my car, plus insurance for the car. Im paying $200 in insurance, $ 256.00 for my car, $400 a month in food. my classes are $ 3,800 a semester with text books. Summer close to $,2500 and no financial aid for summer. I lost my girlfriend over this, she said she needs a man who can support her. Ive come so far just to give up. Im watching chads videos and i bought destroyer. Destroyer is taking too much of my time up. And it seems like memorization. I need at least an 18 or higher to get into dentals school. I feel that way I can get enough loans and join a NAVY scholarship program where they pay for everything and give me a stipen of $ 2,000 a month. As well as my entire tuition paid for. Any advice or suggestions ?
Yeah my car almost got repossessed. I want to go into a shelter but I can't focus like that for school, being around random people. Im stressed out beyond believe. My credit is bad, I'm a year behind on 4 credit cards. I have only $128.00 in my account. Im off of my schools wifi right now. I get financial aid but it only covers classes, food, and my car, plus insurance for the car. Im paying $200 in insurance, $ 256.00 for my car, $400 a month in food. my classes are $ 3,800 a semester with text books. Summer close to $,2500 and no financial aid for summer. I lost my girlfriend over this, she said she needs a man who can support her. Ive come so far just to give up. Im watching chads videos and i bought destroyer. Destroyer is taking too much of my time up. And it seems like memorization. I need at least an 18 or higher to get into dentals school. I feel that way I can get enough loans and join a NAVY scholarship program where they pay for everything and give me a stipen of $ 2,000 a month. As well as my entire tuition paid for. Any advice or suggestions ?
I have loans , they don't do much. I live in south florida rents $1200 for a studio.You should consider getting a job or apply for school student loans as many of us do!!
Id rather sleep in the car then deal with others. Its tough tho;isn't it?Dude, look into couch surfing. I was in a similar situation and payed like 200 bucks a month to crash on a couches for damn near 3 years. It was hard- particularly not having my own space, and studying and sleeping properly when people would be up at all hours of the night and whatnot. I put a little blurb about how rough my life had been in my PS, and was asked about it at two of three interviews. Got into both schools, so it certainly didn't hurt me. Good luck in any case. I know how rough it can be. You're gonna need it.
i have destroyer and chads videosHey, if this is real, I'm glad to ship you free DAT stuff (of course ONLY if you need them): Kaplan DAT Bluebook, AP Bio and some loose flash cards from KP.
PM me a shipping address (gym or any place that you buy foods). NO question ask. Let me know ASAP.
BTW, why not get a used Japanese car instead of doing payment of 256+200$ monthly? For 456$ amonth will get you a nice comfy play to lay down at night.
What's your status? Being homeless won't get you in. You need to have your gpa, dat, ec, and all other pre-dental goodies.
WAIT you need good credit to get dental school loans?AADSAS, supplemental fees, and traveling for interviews burned a hole in my pocket. I honestly can't imagine how you're going to finance all that given your dire situation. And even if you do manage to do all that and get accepted, you'll need to take out substantial amount of loans, loans (both federal grad plus and private) that will require a healthy credit score. You're in a big hole, and you're digging it deeper. Please reconsider.
Id rather sleep in the car then deal with others. Its tough tho;isn't it?
I have a bad credit but they said i can still get Grad Plus loans with a cosigner... Correct?You need adequate credit for grad-plus loans.
WAIT you need good credit to get dental school loans?
Bro im 12 months behind on 4 credit cards there is no coming back from that. I doubt you need good credit for dental school loans. Im going to call tomorrow
I'd rather shower reliably, have access to a kitchen, and put up with others, personally. But I can deal with a lot. Good luck bro.Id rather sleep in the car then deal with others. Its tough tho;isn't it?
You need to have all of your debts up to date when you apply for a Grad Plus loan. You don't need good credit, just no delinquent accounts.WAIT you need good credit to get dental school loans?
Bro im 12 months behind on 4 credit cards there is no coming back from that. I doubt you need good credit for dental school loans. Im going to call tomorrow
I have a bad credit but they said i can still get Grad Plus loans with a cosigner... Correct?
WAIT you need good credit to get dental school loans?
Bro im 12 months behind on 4 credit cards there is no coming back from that. I doubt you need good credit for dental school loans. Im going to call tomorrow
What is a Graduate PLUS loan?
It's a federally guaranteed loan that can be used to cover the full costs of graduate school, including reasonable living costs.
Who can get Graduate PLUS loans?
Anyone who is a U.S. citizen, enrolled in a graduate program at least half time and has minimally acceptable credit is eligible. Some non-degree programs, such as some teacher certificate courses, do not qualify for PLUS loans. Students must first exhaust Stafford loan eligibility before getting a Grad PLUS loan.
How much can I borrow from the Graduate PLUS program?
Each year, you can borrow the full out-of-pocket cost of your graduate study. To calculate the maximum PLUS eligibility, take your program's annual cost of attendance – which includes tuition, fees, books and living costs – and subtract any financial aid such as tuition waivers, grants or Stafford loans.
How much do PLUS loans cost?
Interest rates on PLUS loans are now market-based, so they will fluctuate from year to year. Once the loan is issued, however, the rate is locked in. The PLUS loan interest rate is determined annually, using the interest rate on the 10-year Treasury note on June 1, plus 4.6 percent. Rates for PLUS loans are capped at 10.5 percent.
How do I get a PLUS loan?
Contact your graduate school and fill out a FAFSA.
Does everyone get approved for a Graduate PLUS?
No. The government rejects applicants who have had significant financial trouble – known as "adverse" credit – such as a recent bankruptcy or bills more than 90 days overdue. You can reapply if you can find a cosigner with good credit.
When do I have to start repaying my Graduate PLUS loan?
Technically, repayment starts after you receive the full amount of your loan, but payments are deferred while students are enrolled in school at least half time. That deferral ends six months after a student’s enrollment drops below half-time. No payments are required while a student qualifies for an in-school deferment. But the first monthly payment is due 45 days after the student drops below half-time enrollment.
What happens if I lose my job or get into other financial trouble?
You can call the Department of Education and ask to apply for deferral or forbearance, which allows you to skip some payments. But beware: The interest keeps building up, so you'll owe a lot more when you start repaying again.
What are the advantages of a Graduate PLUS loan?
PLUS loans have a fixed interest rate, so your payments won't rise if interest rates rise. They also offer free insurance, so the debt will be canceled if the student dies or becomes disabled. PLUS borrowers can also get their payments deferred if they get into financial trouble. PLUS loan holders are also eligible for Public Service Loan Forgiveness if they work at a nonprofit, in government, or at another qualifying organization. After 10 years of loan payments, any outstanding debt is forgiven.
What are the downsides of Graduate PLUS loans?
Unlike credit card debt and mortgages, which can be canceled if you file for bankruptcy, education loans of all types – federal and private – must be paid. Most bankruptcy courts will not cancel them unless your situation is extremely dire.
You can find more information here: https://studentaid.ed.gov/types/loans/plusCredit Criteria
Credit approval is based on federally mandated criteria, not a credit score. In order to qualify, you must not have any of the following items on your credit report:
Recent changes in the law that governs the terms and conditions of Grad PLUS Loans establish a specific circumstance for certain Grad PLUS Loan applicants who would otherwise be considered to have an adverse credit history. Specifically, a Grad PLUS Loan applicant may qualify for a Grad PLUS Loan based on extenuating circumstances if the applicant:
- Any current delinquency of 90 days or more
- Any of the following within the preceding five years of the date of the credit check: default, bankruptcy, discharge, foreclosure, repossession, tax lien, wage garnishment, write-off of a Title IV debt, open collection.
Credit Approval
- Has been or is delinquent for 180 days or less on mortgage loan payments, or on medical bill payments for the applicant or the applicant's family, AND
- Does not otherwise have an adverse credit history as determined in accordance with the federal regulations that apply to Grad PLUS Loan applicants.
Credit approval is valid for 90 days. Your credit is evaluated every time you request a new loan unless you have had a credit decision within the preceding 90 days.
If you think you may have one or more of the items outlined in the credit requirements listed above you may want to obtain your credit report in advance of applying for a Grad PLUS Loan. You should work to correct negative items on your credit report as soon as possible.
Credit denial options include:
- Applying for the loan with an endorser, which is a credit worthy loan cosigner
- Correct any invalid information on your credit report and reapplying
- Appeal the denial with Applicant Services (see above for contact information)
I'd rather shower reliably, have access to a kitchen, and put up with others, personally. But I can deal with a lot. Good luck bro.
In regard to me or the OP? And what is being poorly prioritized?despite the hype, martyrdom is not a virtue. not sure if an individual that exhibits this type of prioritization is fit for the health professions.
//high horse
In regard to me or the OP? And what is being poorly prioritized?
Yeah. Dude needs to get a job. Even an extra 500 a month should be enough to get him a place with roommate.referring to our destitute (seemingly by choice) OP
I have loans , they don't do much. I live in south florida rents $1200 for a studio.

I agree! There are a lot of studios for 500-600 in Miami- Fort Lauderdale, specially in the backyard of every cuban house! I'd recommend to apply asap for the FAP (fee assistance). They will cover the first 3 schools in your application. If u think u should go through all these and not take a break, then don't do it....and apply to NOVA tho...if u go to FIU u might have a chance there. Good luck!Where in south florida are you currently located if you don't mind the asking?
rent is $1200 if you are looking for a 1 bd with granite counter tops, luxury gym and club house access and resort style beach entry pools and valet trash in south florida ( like Miami, fort lauderdale, miramar etc etc). even for $700 you can get those things (minus the real granite probably 🙄).
try looking for places in north Miami, or Miami shores. you can get a studio, or efficiency with private access for $500 or less if you aren't too picky. good luck!![]()
Ok thanks ill put this on my application.
I don't have good enough credit for a place.
Im going to sleep in the 24 hour library or my car and just shower at the gym. This way I can feed myself.
Don't worry about my life and how I'm living I just want to know about what to put on my application.
I will succeed regardless of the situation. I'm on my own in life with no support but myself. Im getting into dental school, bet that.
OK.. just don't make it sound too poor on your application and dont mention you have bad credit!!.. that is a BIG red flag..$20 a day multiplied by 30( a month) is $600 a month in food. Dude I'm homeless, theres no other way to explain it. A job? getting straight As is my job. soydentista how would you know that this would look ridiculous? Ive called several schools already and they told me to put it in my application under disadvantages. Having a job at mcdonalds and getting straight Cs does not look better. Its not a crime to be homeless, I got evicted from my apartment because I couldn't pay rent, no one will rent to me.
You're saying you can't juggle having a job to support yourself AND do well in undergrad at the same time. We're saying there are applicants who can.$20 a day multiplied by 30( a month) is $600 a month in food. Dude I'm homeless, theres no other way to explain it. A job? getting straight As is my job. soydentista how would you know that this would look ridiculous? Ive called several schools already and they told me to put it in my application under disadvantages. Having a job at mcdonalds and getting straight Cs does not look better. Its not a crime to be homeless, I got evicted from my apartment because I couldn't pay rent, no one will rent to me.
I can't get As and work at the same time so thats not what I'm going to do.