So I went over to mom's yesterday and we added her as a cosigner on my student loan. Still no approval. Sigh. It's really strange to me that Sallie Mae has approved me for $30k in loans over the past few years on a standalone basis, but when I try to get a loan for only $4k, I cant even get approved with a cosigner. So I'm not exactly sure how I'm going to pay for classes this summer.

What worries me more is that the same thing might happen in the fall. The only good thing is that I'm only taking one class at my university, rather than a whole semester- which means a fraction of the cost of my private school education. With my stafford loans I should be able to cover most of it. That bridge will be crossed when I come to it, however. I need to start worrying about now.

So what to do? The only thing I can really do right now is go on the payment plan. That means a downpayment of $200, which isn't so bad, but then only 2 payments of the rest- which means 2 payments of $1754... over the next 3 months... I haven't sat down to figure out the numbers yet, but it's pretty clear that there's no way I'm going to be able to come up with almost $2k each month.

I can max out my CC for the first payment, and it'll cover most of it. The downpayment I can do out of pocket. It's just getting to the second payment that is going to be tricky, but I still have some numbers to work through, and mom and BF both said they would help as much as they can.

Either way, I have to go attend this class. I better appreciate it this time. It's going to be a royal pain in the butt to get it paid for, and it's not going to be just signed off on a loan I dont have to think about until graduation. Bah.