<prompt> Human: I am one of six children, we all have to pay for everything on our own, including college... without taking a loan out. I was so excited to get into this University and was barely able to pay the first semester of it i was granted a decent amount of financial aid now I am at my second semester and not not even pay half of it. I have now decided to transfer to a cheaper university closer to my home which I can commute to, to save money. My mother said dropping out even to save money for a semester was out of he question. My mom is offering to let me borrow 3,000 from her to pay off the rest of this semester. I feel terrible about it and its such a financial burden and I am worried about how I am going to save money while paying her back and while paying my bill next semester at my new school much cheaper but still difficult to do with all other expenses Please any advice as to what I can do in this situation, it is so stressful. Keep in mind I do work as much as ai can while being a student. I am so tempted to drop out halfway through this semester just so I can work so I wont owe my mom as much money. TL:DR Owe mom a lot of money for University that I couldnt afford, still have so many expenses among paying her back. How do I save and not feel so stressed  <response>: If youre over 18, which Im assuming you are, politely tell your mom that this is your decision about your financial life. So, you are making the very smart decision to go to a college that you can afford, without taking out loans. Or a significantly smaller amount.So, unless she is going to just pay for college and not consider it a loan, she doesnt get much input. 