Hello guys. This question has most likely been answered here before, however I cannot find the answer when searching through the threads. Alright, a little background info: I am 18 and an entering freshman. My parents do not have a college degree (dad doesn't even have a high school diploma) and therefore our family only brings in around $60,000 annually. However, there are 5 people in the family to support AND my parents are in severe debt; they haven't paid their taxes in god knows how long. Filing for bankruptcy, tax liens, etc...we can't pay for a thing. And when I say that, I honestly mean that. We have trouble paying for food and I don't even want to mention bills. I am barely getting by with enough money from loans this year (since we got denied PLUS loans because of our credit). Thankfully I am working 52+ hours a week during the summer to save up a nestegg of cash to help with things throughout my freshman year. The question is: when I enter medical school I will be considered an independent correct? I have searched through several med. school's financial pages and some schools will not consider you an independent until you are a certain age or otherwise. Take Yale for example (doesn't mean I am shooting for Yale ): For financial aid purposes, Yale does not consider a student to be independent simply by virtue of the fact that the student has not been supported by his/her parents. Independent status at Yale depends on the student's age at matriculation (registration day). Students who are not 29 years old at matriculation must provide parental information, including the Need Access Supplemental Information for both student and parents, as well as for the student's spouse, if applicable. This leads me to believe that I will not be able to get enough loans. To be blunt, my parents credit is so incredibly horrible that we were denied many large loans that most people are able to receive for undergraduate school. I am afraid this is going to happen in medical school too. All I want is to be indepedent from them; their financial state already dictated where I ended up in college and I don't want it to happen again in medical school. I want to finally move out of Texas and go to an out of state school if at all possible. On the bright side, my credit is perfect. Regardless, will my parents mistakes dictate how much I can receive in loans for medical school? Thank you for your time.