Caution, long post.
So here is my situation. I am 23 and will be finally completing my 60 units this semester. I will be ready to transfer to a state college(about 30-45 minutes away depending on traffic).
This whole time i have been going to college I have been working and trying to pay for everything myself. My Parents(esp my mom) keeps asking me how much I am spending and she will write me a check. They have made it very clear, on numerous occasions, that I have a college account that they have saved up and will pay for everything. I just don't want to end up like my other two brothers who are basically asking my parents for money every week and both owe them well over 10k for stupid reasons like DUI's. They are both wasting away their college funds and not even going to college.
I just feel like I can't be reliable enough to spend their money. I mean, I dropped out of high school the summer of '99(I am year '00) to go to college early, because I felt like highschool wasn't teaching me anything. So I have been going to college part time since then and have only just now completed 60 units and am working on transferring. In my defense, I checked out a ton of degree choices and took various classes. I just feel like every semester I will start really strong. Get A's on all the tests, then halfway in I will just burn out.
Another reason that I am feeling guilty about the whole thing is that I don't see the sense of accomplishment and responsability that I am supposed to come out with if I continue living at home, and take their money to complete my education. I have many friends that are more tight on money than I am. When they come back from college its rough trying to plan things around their budgets. But it seems to me like they are living a healthier life in a way. Like its building character.
I look at my life right now and I am pushing 24, living at home, working a few nights a week(making roughly 100/week) and struggling to keep my financial situation in check to keep my debt down and grades up.
To make it worse, I keep thinking to myself "how the hell am I supposed to get some, whenever I meet a chick I have to tell her my situation(living with parents/low income/community college)"?
Anyways, I will get to the point. I have been speaking with a friend of mine recently that was similar point in life. We were similar in regards to how well we do in school, jobs, etc. He has just taken out student loans and is living on campus at state, and has hooked up with a study group. Now he is getting a 3.0+ gpa and is doing well for himself. I asked him about his student loans and he basically said that its about 15k year. This includes the on campus apartments, tuition, and books. He is out of the (parent's)house, more comfident, more social, and is getting better grades because he is studying what he wants to study(as opposed to General ED).
It is very tempting to do, but I think my parents would be very much against it. I would save a huge grip of money staying at commuting from home and if i used their money i would come out debt free. It just seems to me that I will have come out of college will all book smarts and no life smarts. No sense of responsibility and accomplishment. Like I was a sheep being herded from one pen to another. From school to job. And worst of all, being that I stayed at home, i will have missed out on the "college experience".
I am just put off by it, because i know when i bring it up my parents will just tell me how much of a bad idea it is and mention how terrible and unreliable my track record is anyways.
What do you guys think? Should I bring it up? Have any of you gotten student loans? What were your experiences?
As a footnote, I hear that if you join the peace corps, they will pay off some of you student loans. Anyone know anything about this?
Thanks for reading.