April 28, 2020
If your mother applies for a parent “PLUS Loan" (see https://studentaid.ed.gov/sa/types/loans/plus ) and is denied due to poor credit, she may be able to get the loan if another adult with good credit (e.g., a grandparent) agrees to co-sign the loan. However, if your mother is denied a PLUS loan, you will still probably be allowed to take out a loan of up to about $4000 to $5000 per year (the amount goes up as you get older). While this amount will only make a dent in the tuition and room & board at most colleges, you would be unwise to graduate with a lot of debt, and thus your best option may be to apply to the lower-cost public colleges or spend two years in a community college before transferring to a four-year school.
Other options include …
It's tough on you to be caught in the middle of family dynamics that will affect your college choices and perhaps subject you to long-term debt. But the silver lining is that, if you do finance your own college career, you will probably appreciate it more than many other students do, and you will learn life lessons along the way that might be more valuable than the formal education!