<prompt> Human: I am 19 years old with a full time job for minimum wage in California 8.00. I have about 3900 dollars per semester that I have to pay for school after maxing out financial aid. Im taking three semesters per year for a total of 11700 a year. I want the loan because I do not want to be stressed out about saving every penny just to make a payment on time. I plan on making payments on the interest while in school but no one will approve me without a cosigner. This is a problem because my parents have credit problems and my other family members arent too much better. Any advice?  <response>: If you think you are stressed now, wait till you have to pay it back. Max out your financial aid options. Check with the financial aid office at your school, they might be able to offer resources you have not thought of.Dont borrow more than you need. 