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"Lower Income Moms" September 2007 Support - Page 6

post #101 of 315

Student Loans are not income....

Quote:
Originally Posted by janerose View Post
Sorry about DH's job!

I havn't had any more luck with food stamps. I applied last winter, but was told that because of the "huge" amount that DH gets back on his school loans that we didn't qualify. Ummm...OK...DH made a whopping $22K last year. We had about $10K of student loan refunds as well, but it still not like we're rolling in it you know??? I also love how school checks, which in our case are loans that will have to be repaid, count against you for aid. So we don't get food stamps because the $200/mo we'd qualify for based on DH's income isn't worth giving up $3-5K per semester of his school refund check. :
I've gotten food stamps all through undergrad years (now as a grad, I actually have a stipend that counts as real income). I took between 10 and 20K a year in loans and grants and that money DID NOT count as income for the purposes of food stamps. I would talk to a supervisor because it is very possible that your worker doesn't understand the differences between student money that is taxable income and therefore calculates grant/loan money as income. Seriously, I would fight it.
post #102 of 315
[QUOTE=LankyLizards;9102829]I found out something verrry interesting today. I went to the school's financial aid office because my student loans are taking forever to come in and I need them. Then, while I was there, I decided to ask about work study, even though I thought it would mean that I would have to work on campus, whcih would mean more commuting for me (it's a 30 minute commute, maybe 45 min.). Anyway, the woman I spoke to let me know that I can volunteer for any non-profit that will have me and the school will pay me $8.70/hr. How amazing is that? I can actually do something interesting and relevant, maybe working at a women's shelter and I will get paid for it. To think that at my last school my work study job involved lots of photo copying and filing in Human Resources. I'm actually excited about this. Now I just have to call around and find somewhere that will accept my (free to them) help.

QUOTE]

Just wanted to pop in with what I know about work-study (at least where I live.) A professor wanted me to do workstudy for him and be a research assistant. My sister was his workstudy when she was at the college, so she knows how it is. I also spoke with the people in the workstudy office. When you do workstudy, the amount of student loans you get goes down. So you have less to pay back at the end, yes, but instead of the large amount of student loan $$ up front at the beginning of the semester/quarter (it would be less), you get a check every month from work study. And less student loan $$$. Anyways, I chose not to do the workstudy, one, because I know this particular teacher is demanding to his research assistants,lol, and two, because I need the time to concentrate on classes and do well. If it were more $$ on top of grants & student loans, maybe yes, I'd try to figure out a way to do it. But just to switch from one $$ to another $$, not worth it for the time it takes.

Anyways, hopefully it's different where you are, just thought I'd put out my experience with it though..


eta...and apparently I can't do quotes,lol.
post #103 of 315
About the work-study- Maybe that's if it wasn't already added on when your Fafsa results were calculated? If you look at my breakdown of financial aid it lists the amounts I will get from Pell grants, the scholarship I got from the college itself, the loans, and work study- and all of them have a seperate amount next to them. I did work study last year at a different school and never had a problem with that either. So, maybe it has to do with the Fafsa? I don't know. Thanks for the heads-up though!
post #104 of 315
I'm not sure. Didn't know you did it last year, sorry,lol. You already know more than me then,lol. Good luck with it, I hope you enjoy it!!!!!!!!
post #105 of 315
My work study wasn't that way. Maybe it depends on the college?
post #106 of 315
Quote:
Originally Posted by janerose View Post
Sorry about DH's job!

I havn't had any more luck with food stamps. I applied last winter, but was told that because of the "huge" amount that DH gets back on his school loans that we didn't qualify. Ummm...OK...DH made a whopping $22K last year. We had about $10K of student loan refunds as well, but it still not like we're rolling in it you know??? I also love how school checks, which in our case are loans that will have to be repaid, count against you for aid. So we don't get food stamps because the $200/mo we'd qualify for based on DH's income isn't worth giving up $3-5K per semester of his school refund check. :
Student loans, grants, and even work study money DO NOT count towards income for food stamps, or cash grants on welfare. Please talk to someone else!!

Quote:
Originally Posted by gradmama View Post
I've gotten food stamps all through undergrad years (now as a grad, I actually have a stipend that counts as real income). I took between 10 and 20K a year in loans and grants and that money DID NOT count as income for the purposes of food stamps. I would talk to a supervisor because it is very possible that your worker doesn't understand the differences between student money that is taxable income and therefore calculates grant/loan money as income. Seriously, I would fight it.
Exactly!!
post #107 of 315
Quote:
I havn't had any more luck with food stamps. I applied last winter, but was told that because of the "huge" amount that DH gets back on his school loans that we didn't qualify. Ummm...OK...DH made a whopping $22K last year. We had about $10K of student loan refunds as well, but it still not like we're rolling in it you know??? I also love how school checks, which in our case are loans that will have to be repaid, count against you for aid. So we don't get food stamps because the $200/mo we'd qualify for based on DH's income isn't worth giving up $3-5K per semester of his school refund check.
They're wrong and you should fight it. I took the test to become a family support eligibility specialist in my state and one of the questions was in regard to student loans counting as income--they don't.
post #108 of 315
Thanks everyone! After all the posts I did some research & found a site for Central NY's social services dept (not our region, but the correct state) with an online calculator. When you click "help" next to the income section it lists all the various types of income/assets that are eligable or not. Student aid is most definitly NOT. I printed out the application. I'm going to make it out & send it in. By the time I get my appointment & everything I'm sure it will be at least 2 wks & I'll have the new paystubs to bring to the appt.

On a bright note some guy stopped by while DH was home on lunch asking about the old vehicles parked in our driveway. We made $200 off selling our junked out Explorer! Yippie! Even better, he said he is also interested in the van & pick-up as well. Said he'd be back the beginning of October with the $400 for the van if it hasn't sold by then and possibly $800 for the pick-up. :

Gotta go...ILs will be here in the next hour or two....gotta finish up the cake I'm making and lay down to nurse the babe...
post #109 of 315
Quote:
Originally Posted by janerose View Post
Thanks everyone! After all the posts I did some research & found a site for Central NY's social services dept (not our region, but the correct state) with an online calculator. When you click "help" next to the income section it lists all the various types of income/assets that are eligable or not. Student aid is most definitly NOT. I printed out the application. I'm going to make it out & send it in. By the time I get my appointment & everything I'm sure it will be at least 2 wks & I'll have the new paystubs to bring to the appt.

On a bright note some guy stopped by while DH was home on lunch asking about the old vehicles parked in our driveway. We made $200 off selling our junked out Explorer! Yippie! Even better, he said he is also interested in the van & pick-up as well. Said he'd be back the beginning of October with the $400 for the van if it hasn't sold by then and possibly $800 for the pick-up. :

Gotta go...ILs will be here in the next hour or two....gotta finish up the cake I'm making and lay down to nurse the babe...

That's great! I hope everything comes through for you!
post #110 of 315
DH just let me know that our account is down to $680, and our rent check is going to bounce. This, after discovering last night that our washing machine is dead (and we cloth diaper and of course have a gigantic hamper full of icky diapers that we can't wash at any laundromat in town...), AND after getting through my first stressful week at my new job. We'd been planning on going out for dessert to celebrate, but that's not an option. Instead, I'm trying to figure out what we can do for food over the next week with what is in our pantry and $10 cash, and DH is begging his parents to help us buy a new-used washer ASAP so the baby doesn't have to pee on the floor.

I'm beating myself up because I feel like we're irresponsible since I'm making WAY more money that we'd planned on my pulling in, and we're still broke. DH helpfully pointed out that although I'm earning good money I haven't seen a cent of it yet, so it's not that we're irresponsible about spending -- we've just started 3 new jobs between the two of us in the last month and we're waiting for cash to catch up. And, between the car repairs last month and the washer this month, we just need things to stop #&$%& breaking now!!

I hate this.
post #111 of 315
Belleweather!

I know some of you would shoot me for this, but if family can't/won't help with the washer, would they buy some sposies? : Would help the babe out a little anyway.
post #112 of 315
Quote:
Originally Posted by dnw826 View Post
Heidi, you aren't stupid! I think we all have a ha! moments.

mrskennedy, good luck to your dh! What does he translate?
DH translates whatever rehab/case workers say to a SPanish-speaking lady who lives near us. She's blind and her mom wouldn't let her finish high school (WTF?) and DH translates things for her GED, etc. He said it went well. It's only 1-2 hours, 2-3 times/week. I kind of wished he didn't have to go today b/c I only slept an hour last night and had to get up early with DS, then we went out with my sister and BIL. But the coffee helped.
post #113 of 315
Heidi! Good luck with the listings, etc. THose things can really ad up!
post #114 of 315
Quote:
Originally Posted by Belleweather View Post
DH just let me know that our account is down to $680, and our rent check is going to bounce. This, after discovering last night that our washing machine is dead (and we cloth diaper and of course have a gigantic hamper full of icky diapers that we can't wash at any laundromat in town...), AND after getting through my first stressful week at my new job. We'd been planning on going out for dessert to celebrate, but that's not an option. Instead, I'm trying to figure out what we can do for food over the next week with what is in our pantry and $10 cash, and DH is begging his parents to help us buy a new-used washer ASAP so the baby doesn't have to pee on the floor.

I'm beating myself up because I feel like we're irresponsible since I'm making WAY more money that we'd planned on my pulling in, and we're still broke. DH helpfully pointed out that although I'm earning good money I haven't seen a cent of it yet, so it's not that we're irresponsible about spending -- we've just started 3 new jobs between the two of us in the last month and we're waiting for cash to catch up. And, between the car repairs last month and the washer this month, we just need things to stop #&$%& breaking now!!

I hate this.
If you lived near me, I would gladly let you use my machine.

Sending out vibes so stuff will stop breaking!!

Quote:
Originally Posted by mrskennedy View Post
DH translates whatever rehab/case workers say to a SPanish-speaking lady who lives near us. She's blind and her mom wouldn't let her finish high school (WTF?) and DH translates things for her GED, etc. He said it went well. It's only 1-2 hours, 2-3 times/week. I kind of wished he didn't have to go today b/c I only slept an hour last night and had to get up early with DS, then we went out with my sister and BIL. But the coffee helped.
Aw. Well it sounds at least like it should be a pretty good job as far as him doing a very nice thing for someone.
post #115 of 315
Quote:
Originally Posted by Thystle View Post
I am starting a new "Poor Moms" thread with a more "positive" title in hopes more moms will join in!


Last months "Poor Families" thread: http://www.mothering.com/discussions...d.php?t=723076




{{{{{{{{{{{{hugs}}}}}}}}}} To you all!
Good idea

Another drive by posting from me : I'm hanging in there only because my Dad has been unusually supportive lately. Dh left the 22nd and is not getting paid until the first of next month. I about fainted when I heard that, I've beating off enough wolves at the door as it is. When he does get paid he'll get a great deal of money (I hope, so they say anyways) and I'll be able to catch up on everything.

I'm grateful for friends, for finding a place to live, that the kids are all healthy and that school started off for my three boys really well. We have food in the house and I have some money that I should be able to stretch for a few weeks because I have to, I hope it does!

Hope everyone is having a great weekend!
post #116 of 315
just when I thought things were going good, dh might get fired I think hes been set up at work, and now he might get fired because of it
post #117 of 315
That's awful!
post #118 of 315
Quote:
Originally Posted by wonderwahine View Post
just when I thought things were going good, dh might get fired I think hes been set up at work, and now he might get fired because of it


I'm sorry - I hope this blows over!
post #119 of 315
Quote:
Originally Posted by wonderwahine View Post
just when I thought things were going good, dh might get fired I think hes been set up at work, and now he might get fired because of it
I hope it turns out okay.
post #120 of 315
Quote:
Originally Posted by wonderwahine View Post
just when I thought things were going good, dh might get fired I think hes been set up at work, and now he might get fired because of it
I'm so sorry. Office politics are just :
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