Young college student in need of lots of advice
I've been watching the community for a few months and have seen a lot of encouragement and advice, I hope that someone can offer me some specific advice! I attend community college full time, live at home, and do not own a car. My living situation is quite miserable sometimes, because my setpfather has a history of violent behavior, and my Mother kind of puts u with it. They constantly fight. I;m 20, so if I don't like the home they provide for me, I can get lost and they have no obligation to me because I'm and adult. I live in the suburbs of Chcago and public transit might as well be non-existent. It is hard for me to work a lot of hours or get a better paying job because I do not have transportation. Riding a bike in the winter is not an option either. I also have no way to get to school besides get rides from every friend I have. I often spend a lot of time waiting for people and working around their schedules, time I could be spending at a job. I need to move out as soon as possible. I also want to transfer to a 4 year university as soon as possible, so I can potentially use student loans. I currently have a loan for $2000 that I don't have to pay until 2009. I have $1000 savings, and can only work around 12 hours a week @ about 7.00/hr (because of school and transportation) I also have health insurance through my parents. What do I do? Should I seek out a student loan through a bank and borrow money to buy a car? It gets to the point where I miss classes because I can not find rides. My parents will not let me use any of their 3 cars even when I offered to cover all of my driving insurance costs myself. I need to be out of the house soon. They want me out. I'm miserable and want to strike out on my own. I don't have much money, or the means to work full time. What can I do? I've never had a credit card either, so I don't have lots of debt to deal with. How can I afford rent within a few months or a car or both? Should I look into getting loans or a credit card? I'm a bit afraid of those options. How much would be ideal to have in a savings account before striking out on my own for the first time? I have the option of moving in w/my boyfriend rent free (at least initially) living in a town (Dekalb) that has public transit, and I could borrow his car to drive to school (40 minute commute 4 days a week) until this semester finishes in May. There is a university there that I could transfer to in the fall. I am terrified of moving in with him however, because if he starts to treat me bad (which he has before) H I will feel trapped and hopeless, and most likely sink into depression, which is an ongoing battle and medical expense (for occasional Psychiatrist visits and a monthly prescription refill.) I already employ poor skills in my life. Internet is free at school and a good source for my entertainment needs. I buy many things second hand, carry around coupons, and am handy for altering and repairing clothes. Library books are free. I like the challenge and creativity it takes to find free or close to free fun. Playing sports in the park (when it's warm) Walking, exploring unfamiliar parts of town, drawing, ectectect I never spend money on booze. I drink very infrequently and when i do my bf usually pays for it. Any guidance and advice from someone whose been in a situation like this will be greatly appreciated! Excuse the poor writing. I'm freaking the fuck out and having rapid thoughts that I;m trying to flesh out as coherently as possible.