<prompt> Human: Ever since I was 17 ive been financially independent for the most part and so I have been able to pay my way through school through summer jobs and such. My parents have always been a nice safety net in case I ever need extra help however. In Nov. of 2013 my father was laid off and as a result received a very large one time payment. He decided to buy a house with that large sum and pretty much retire. This semester spring 2015 I cannot afford to pay for school. I asked my dad and he cant really help out either and so I turned to my schools Financial aid office. They review my file and asked for updates on 2013 tax forms. They determined that since my dad got a large sum I didnt even apply for aid and removed my existing subsidized loans and scholarship aid. Although upset about it I could see how this works, yet to my surprise they also removed the aid I received for the Fall semester of 2014! That balance was already zero, and now its at more than 2000 since the aid for the whole year was removed.Can they do that? They said I must pay all of the balance by Monday or im getting kicked out of school i have 2 semesters left. I still dont have enough money to pay for school and currently im doing 3 jobs. Im in engineering so i the workload is getting way harder im not sure how long I can do this for. ANY advice is more than welcomed. Update: Ive emailed my financial aid counselor to ask her on the details of why my aid change so drastically. Like I said thank you all for responding, Im reading every single comment and thinking of my options. Sometimes I feel reddit is like an older sibling that has my back when I dont know what to do. Its nice to know Im not completely alone so thank you guys. Update The changes that occurred from the original FAFSA that you submitted per the verification documents were as follows. Number in Household went from 4 to 3 Parents 2013 Additional Financial Information total went from 0 to 1500 this was educational credits from the tax return Parents 2013 Untaxed Income total 8,881, this is tax deferred pension and retirement savings from your parent W-2 With these changes your EFC went from 19,199 to 25,000. Since you now have an EFC of 25,000 you are no longer eligible for need based financial aid funds, therefore your College of Eng Student Scholarship was removed and your Federal Direct Subsidized Loan was cancelled and changed to a Federal Direct Unsubsidized Loan. The College of Eng Student Scholarship is not a merit based program, this is a need based program and since you are no longer need based eligible this had to be removed for the Fall 14 and Spring 15 semester .-email from financial aid officeMy brother graduated college last year thats why the household number went down. Update: went to their office and they pretty much explained to me in a very bitchy tone the same thing the email described. I got a bit frustrated and told the, I really dont appreciate the fact that they switched my financial aid four days before tuition is due, specially when I turned those forms in a month ago. I feel I shot myself on the foot by asking for help. Update: Once again thank you all for your advice, I read all of them and the feedback has been great. I hope my experience can help others and here is my game plan. Since im under a strict deadline I will ask to be put on a payment plan tomorrow morning. My sub subsidized loans were taken away but they should be replace with unsub, so im going to ask for those back ASAP that should buy me more time im going to quit two of my jobs and look for tutoring positions that pay more than double of what I get paid now working for the school The storm has passed for now im in a payment plan. I need help my dad do his taxes ASAP so that I can resubmit another review form. I bought myself a month before I cant afford school anymore. Hopefully it will work outAssistant: They said I must pay all of the balance by Monday or im getting kicked out of school i have 2 semesters left.Do you mean you have two semesters until you graduate? Do you have any debt student or otherwise or are you all paid up now thanks to the 3 jobs? If you have no outstanding debt and only 2 semesters until graduation, I would get to a bank and ask about your options. Human: I have 31 K in loans. This semester im taking 15 hours and next semester I only need one more class to graduate in Dec. My three jobs combined I probably make 350month which covers rent. I have a summer job lined up that will pay 20hr. My options are the following from what I can see:-Take out an emergency loan with high interest rates-Borrow money from friends? My gf said shed let me borrow 500-Start an installment plan which would buy me time but i still wouldnt be able to make the payments  <response>: I am a director of financial aid for a college system. Sorry for the bad news, but they are only doing what they are required to by law and their own scholarship policies. That 31k is your problem. That is the max amount of federal loans any dependent undergraduate student is eligible for. Like everyone else is saying though, if you are a good student, and especially considering you are so close to completion, they are probably willing to work with you in some type of payment plan. You need to think about what you will do for the next two semesters though. Will you turn 24 anytime soon? If so, you will be considered independent and qualify for more loans. If not- Can your parents take out a plus loan? Can you take out an alternative loan from a bank , not payday? If not, you might want to think about delaying some of your coursework until you can afford it. 