<prompt> Human: Hi all! I currently need some advice what to do about paying for school. I havent lived with my parents since I was 17. Im currently living with my aunt. My parents are both addicts and have not supported me financially since Ive moved out. Ive had to take off school on and off for two years and work to be able to afford classes. I recently got accepted to Temple University. Because I am out of state I owed around 18,000. When i filled out fafsa I was not able to file as an independent no matter what my situation was according to the financial aid office at my school. I used my mom to file under who makes 11,000 and I was only able to get around 3,000 of financial aid per semester. I was also able to get around 2,000 of direct subsidizedunsubsidized loans. I right now owe 13,000. Ive tried applying for loans but I am unable to because I need a cosigner. My aunt said she would only cosign with me for one semester. I still have about 3 years to go. I dont really know what to do and Im freaking out. I love the school I got accepted to- but I dont think Ill be able to go anymore. If any of you reading are able to point me in the right direction because google is not helping me at all. Theyre basically saying I need a cosigner no matter what.  <response>: Youre a huge lending risk and the loan has no collateral. There isnt much of a way to work around that. Thats why you need a co-signer. I strongly suggest attending a school you can afford. Dont ruin yourself financially by applying for high-interest sucker loans to attend a private university. 