<prompt> Human: Hello all, Im currently finishing up my first semester at a university and working a part time job 20 hours a week. My parents have pretty much stated that they will not be paying for my second semester, as they want me to come home. I do not have enough money on my own to pay for my college next semester, and I was curious to know how I can pay for college. I am very willing to take out student loans, but I know that most require some form of co-signing, which I do not have access to. Im hoping to make enough money over winter break to contribute alot to the debt that I will have to pay. Not attending college next semester is the last thing on my mind.Thanks!!Assistant: Transfer to a community college. Pell grantsloansmoney you earn from your PT job should more than cover your costs at a CC. Try to stay away from private loans if possible. Federal loans dont need a cosigner.Human: Thats the thing, I was not really wanting to transfer to a community college.  <response>: I was not really wanting to transfer to a community college.Well...sometimes life sucks and you have to make sacrifices for your future. What degree are you taking? What are the career prospects like? What is the average starting salary?Its rare the getting a bunch of loans is justifiable. Even with high earning salaries, it is a lot more advantageous to graduate with nominimal loans. Apply for FAFSA, see what grantsloans are available to you. These loans will NOT require a cosigner. If your parents make too much money, you will probably be limited. In this case, if you wont go to community college, youll have to get one or two part time jobs. Alternatively, you could get a full time job and go to university part time. Once you are 26, you can apply for FAFSA as an independent and you will be eligible for more grantsloans.Talk to your professors about research opportunities. These can help you when you are in the work force.You should also be working on building your credit. Get a credit card, and pay it off IN FULL at the end of the month. Then in a couple years, if you do have to get private loans which you should avoid at all costs, youll qualify for lower rates. 