This is probably the best solution to the money problems. I don't know why, but the thought of taking a gap year to make my money back never even crossed my mind. I mean if I got a full-time job and a part time even for only a year, I could probably knock a sizeable chunk out. I still need an actual loan though, because I still keep getting rejected by loan companies

I'm actually already at community college, the main reason I want to get a loan is because the debt is over a year old and hasn't been paid for, whether it be a loan or not. The university passed it to a debt collector and I was told my credit would be affected if I waited too long. I want to go to a 4 year, but next year will likely be community college too

I made another comment that explains it in a little more detail. I shouldn't have been so vague

The other time is spent at school, I am a music major so I have to practice multiple instruments frequently.

The military fell through because my parents are on disability and the was supposedly going to pay for school since my dad is 100% disabled

The university office has passed the loan to a debt collector and they told me that anything that is over a year old will not be covered by a student loan

I don't know what you mean by the last question, but the payments for the student loan start on 2/2.

I mainly need the 17k since I can't apply for any transfer until I have my transcripts from the private university.

Can I pay some of it out of pocket and get a smaller loan? I don't know if that's an option or not