Apartments for Cheap

Questions and Answers

Your Questions About Apartments For Low Income College Students

February 17, 2012

William asks…

Why even with family is it all about money? Please Answer!?

Myself and my boyfriend have been living with his mother for a little over a month now. We are expecting our first child and she agreed to let us stay at her place being his bedroom is like a studio apartment anyway. Which was cool I guess she’s always spoiled and babied him and although I was a bit hesitant at first I agreed. At first everything seemed fine. She had told us upon staying here we would be required to pay the electric bill. –That was fine too being our income is a bit limited its better then paying full rent and we were expecting it to be anywhere between maybe 35-60 bucks a month. So we agreed. Mid month a bill I guess came in. She told us we’d have to give her $120.00. Being we’d only been there for about 16 days I told him to ask her for the bill so we could be sure we were paying for the time we were there only. She became very defensive and told us we had to leave. Still not showing us the bill. Claiming everything is included in the bill. Ex: Hot water, electric, and heat.
The heat hadn’t even been on for less then a week, being its still warm outside. And since when is water electric?
And as far as electric, I make sure every light is off during the day and at night we use mainly the TV for light. I use as minimal electricity as possible and she works all day as well as my boyfriend who is a student and works nights. WE NEVER SAW THE BILL. Till this day.

Over the next week or so she has made it overly uncomfortable for us to where I will not leave the room while she is home. She has left my boyfriend voice mails asking why we are still in her home, and other unnecessary remarks.

– She complains about EVERYTHING! I washed the dishes and put them in the cabinet and she yelled about us being stupid for putting wet dishes in the cabinet. My 4 year old ate at the table and left a few finger prints behind and i hadn’t noticed and she made it a huge deal (THEY WERE NOT NOTICEABLE UNLESS YOU WERE LOOKING FOR THEM) She is so anal about everything. She lives this lifestyle in her head that would make you think shes like this rich white woman who lives in the sub burbs. Very High Satiety.

We are currently in the process of looking for our own place and we have not spoken to her in about a week. Today my boyfriend suggested we just pay her the $120.00 and stay here so we can save up a little more money so we can get a better apartment.

—-Since the last argument, he has been forced to drop out of college to work more hours, and we found out that up until last year she was receiving disability insurance for him with out his knowledge. (A good $700.00/month) She is also on Section 8 which is help for those with low income to afford housing and he is on her lease. So we have to wonder if her newly found personality (Because she was never this evil) is due to her being money hungry or I don’t know what else….

The baby will be here in about 3 weeks, and I just don’t want to feel like we’re walking on egg shells. We don’t know what we should do. Deal with her making us uncomfortable for $120.00 a month or just bite the bullet and move out into something affordable but not so nice.

We don’t need negative comments, we just would like other peoples opinions or even similar stories and what they did.

Additional info: She’s always enforced the school thing, so even though he didn’t really know what he was in school for kinda just went because he had to he obtained his associates and was working towards his bachelors before dropping out.
So he wonders if she always paid his bills and and babied him because he was a benefit to her housing and the unknown money she was receiving for him. Because it seems that from the dates we gathered that his disability was discontinued she has been more aggressive about money as far as now he pays his own stuff, the price she says no questions asked.

Administrator answers:

Cannot comment on why but really urge you to find other accommodation as quickly as possible. You may have to hold your tongue for a few months. You are taking MOM’S BABY BOY away from her. You are an intruder and she wants to control her house.Whatever she did with payments received from where ever is water under the bridge. Deal with today and tomorrow. Nothing can be done about yesterday.She is looking for reasons to fight “finger marks” you will always lose it is HER place.Do not try to understand or change her it is not worth the effort. Just get out as fast as possible.$120 is not a steep price for a month of peace.
My electric bill is often over 200$ a month. The big electric user is motors(fridge,fans and so on) The lights is maybe 10% Yes some people have electric water heaters.Hopes this helps.

Susan asks…

Should we be forced to walk on egg shells for a small price?

Myself and my boyfriend have been living with his mother for a little over a month now. We are expecting our first child and she agreed to let us stay at her place being his bedroom is like a studio apartment anyway. Which was cool I guess she’s always spoiled and babied him and although I was a bit hesitant at first I agreed. At first everything seemed fine. She had told us upon staying here we would be required to pay the electric bill. –That was fine too being our income is a bit limited its better then paying full rent and we were expecting it to be anywhere between maybe 35-60 bucks a month. So we agreed. Mid month a bill I guess came in. She told us we’d have to give her $120.00. Being we’d only been there for about 16 days I told him to ask her for the bill so we could be sure we were paying for the time we were there only. She became very defensive and told us we had to leave. Still not showing us the bill. Claiming everything is included in the bill. Ex: Hot water, electric, and heat.
The heat hadn’t even been on for less then a week, being its still warm outside. And since when is water electric?
And as far as electric, I make sure every light is off during the day and at night we use mainly the TV for light. I use as minimal electricity as possible and she works all day as well as my boyfriend who is a student and works nights. WE NEVER SAW THE BILL. Till this day.

Over the next week or so she has made it overly uncomfortable for us to where I will not leave the room while she is home. She has left my boyfriend voice mails asking why we are still in her home, and other unnecessary remarks.

– She complains about EVERYTHING! I washed the dishes and put them in the cabinet and she yelled about us being stupid for putting wet dishes in the cabinet. My 4 year old ate at the table and left a few finger prints behind and i hadn’t noticed and she made it a huge deal (THEY WERE NOT NOTICEABLE UNLESS YOU WERE LOOKING FOR THEM) She is so anal about everything. She lives this lifestyle in her head that would make you think shes like this rich white woman who lives in the sub burbs. Very High Satiety.

We are currently in the process of looking for our own place and we have not spoken to her in about a week. Today my boyfriend suggested we just pay her the $120.00 and stay here so we can save up a little more money so we can get a better apartment.

—-Since the last argument, he has been forced to drop out of college to work more hours, and we found out that up until last year she was receiving disability insurance for him with out his knowledge. (A good $700.00/month) She is also on Section 8 which is help for those with low income to afford housing and he is on her lease. So we have to wonder if her newly found personality (Because she was never this evil) is due to her being money hungry or I don’t know what else….

The baby will be here in about 3 weeks, and I just don’t want to feel like we’re walking on egg shells. We don’t know what we should do. Deal with her making us uncomfortable for $120.00 a month or just bite the bullet and move out into something affordable but not so nice.

We don’t need negative comments, we just would like other peoples opinions or even similar stories and what they did.

Additional info: She’s always enforced the school thing, so even though he didn’t really know what he was in school for kinda just went because he had to he obtained his associates and was working towards his bachelors before dropping out.
So he wonders if she always paid his bills and and babied him because he was a benefit to her housing and the unknown money she was receiving for him. Because it seems that from the dates we gathered that his disability was discontinued she has been more aggressive about money as far as now he pays his own stuff, the price she says no questions asked.

Administrator answers:

Are you on the lease? If not, you are at risk for getting in trouble with the housing authority. Be ready to move sooner rather than later. So, none of this will matter because you will not be there very long. This is a fact, not a negative comment.

You get a place to stay for $120 a month on the tax payers dime. If you want to not live with the crazy woman, be prepared to pay full price like the rest of us. You don’t get the super cheap $4 a day rent with all the trimmings without some extra drama attached.

Mark asks…

Question about buying/leasing a condo or house?

I’m 21 and thinking about moving out. i have a few questions to whether it’s best to lease or buy a house or condo, or even apartment. i don’t like the idea of renting because it’s a waste of money..
i don’t have any income that i can prove. but i will start filing taxes next year and my income will be approximately 40-50k/year. my credit score is almost perfect. Should i lease or buy a place and how much loan can i afford(and how much will i be qualified for)? or am i better off renting for now? if you say i should lease..how does leasing exactly work? how much or my “rent” will go towards buying the place if i decide to buy?
also, since i’m a college student will i have any help from the government (with tuition or any other help) since i’m considered “low income” or am i on my own since i want to own?

Administrator answers:

Unless you have income to prove it’s unlikely that you qualify for a mortgage or lease option. But you won’t know unless you apply and that will help answer what your options are. At 21 unless you know where you will be living in 3, 5 or 10 years don’t get into the responsibility of buying/leasing just yet. Give yourself about 2-3 years to work on a decent down payment. There are alot of other costs to owning besides a mortgage and you will need a financial cushion for repairs, furnishings, etc. Credit cards and loans are not the answer if you are looking to avoid wasting money. Be more patient with yourself. Why not get your parents to buy your home using their credit and paying them rent??? Give yourself at least the year to have the down payment and income you are estimating and you’ll get a lower interest rate. After all, you don’t want to waste money, do you??? It’s one thing to want a home/condo but another to try to sell it.

Sandy asks…

Young Adult, No Credit. Where do I go from here?

A little back story, right now I am employed part time and I have 10% of my check put directly into my savings account. (Newly opened, so there’s less than $300.00 in it.) My second job doesn’t make very much at all and whatever I make from it is being placed ENTIRELY as savings. (It feels like a paid hobby, so I want to put the money away.)

I’m about to enter my first year of college, and I am using federal grants and federal loans to pay for it, as I’m from a low-income situation and my parents did not have money to send me to school.

I have checked my credit score for the last two years, and both times the report comes back as “Insufficient Information”, meaning I have no credit. I have three small debts, all totalling less than $1000,00 so I’m not too concerned right now. They’ll be paid off by the end of this year.

In the summer, I’m going to have to find myself a place to live be it apartment or crashing at a friend’s house until I can get together enough money for a down payment on a place.

My question is, where do I go from here?
When I’m looking for a place to live, should I rent an apartment while I’m in school (with the boyfriend…who’s credit isn’t great) or pay the debts and get a secured credit card while I’m waiting out the rough patch with a friend?
Would it be stupid to use some of the student loan overflow along with my accrued savings and accumulated credit to put a down payment on a house instead of an apartment? I’m 22 and KNOW I will be staying in this city because I want to teach here, so a long-term purchase really doesn’t bother me.

I am CONFUSED.

Administrator answers:

I’m not a financial adviser but I can give you my own personal opinion. You of course have to make your own decision but maybe something I say will help.

First, let me commend you on your savings plan. Very wise choice in my opinion. If you keep that up, I think it will be a big advantage for you in the future.

I don’t really know enough about what the credit rating agencies use to determine when you move past “insufficient information” but to me it seems like it would be a good idea to pay off the debts and get some kind of a credit card – secured or even unsecured if you can get one. (You might be able to get one with a small credit limit.) Since you’re doing well with saving, that hopefully means you are responsible and have enough self-control that you would not spend more than you can afford to pay every month. If you pay off your credit card balance in full every month, I would think it wouldn’t take too long to establish a good credit rating. If you don’t pay it off though, you’re digging yourself a financial hole, so be sure you are going to be able to control your spending and pay off the bill before getting one.

I’m not sure about the apartment vs. Staying with a friend question. Maybe having an apartment and paying rent and utility bills would establish a credit rating, though I’ve never seen my utility bills on any of my credit reports and I would guess a landlord wouldn’t report to the agencies, so maybe that wouldn’t help. On the other hand, staying with a friend probably means you’d be able to save more and that’s definitely a good thing.

Regarding the house, I’d be concerned about buying a house in the situation you’re currently in. I’m not sure you’d be able to get a mortgage without a full-time job in the current lending environment, but even if you could I personally think it’s not a good idea to take out a mortgage until you’re sure you have a full-time job that’s pretty secure in order to pay the monthly payments (and the taxes and the repairs and various other things that go along with owning a house). If you get into a house then end up without enough income to pay it off you’ll lose a lot of money and mess up your credit so I think that would not be a good idea given what you’ve said about your situation.

Laura asks…

Anyone know any jobs that provide housing?

I’ve researched this many times. I really want to move out of my parents house, I can’t stand them anymore. I need a place to stay, and a job. I’m 20 years old and they still control my life. I’ve already applied to about 30 different jobs so I can save up and move out, but still no luck. The military won’t take me because I had cancer, I have to be in remission for 5 years before they’ll take me. So far the only things I found that provide housing are job corps(which I might not be eligible for because it’s for people with low income families), work on a farm, work on a cruise line, be a housekeeper at a hotel, apartment manager(which I can’t do because I have no experience),storage manager(another thing I can’t do), work as a processor at an Alaskan seafood factory, work at a national park, camp counselor(but I need something permanent), Americorps NCCC, and I can’t think of anything else. I also want to get the hell out of Texas, I hate it here. Is it possible that I can take out a student loan in another state and live off of that? I could work while I’m in college. Anyone have any ideas?

Administrator answers:

There are a lot of things you can do on a cruise ship without experience that can lead to even better positions and the pay and vacations are really good. Workers also live on fishing boats, oil islands, and for oil companies in foreign countries.

Ken asks…

*Medicaid/Health Care Question!*?

Im 18, almost 19 and im independent and taking care of myself. Im moving out into an apartment, i go to college full-time, and i work 2 jobs. I pay my own everything. I really need health care and i was wondering if i would qualify for Medicaid or something? I dont have enough money to pay for a plan. Would I qualify since my income is so low and im a student and all? Oh and im single, unmarried. No children. ???

Administrator answers:

Your version of low income and the government’s may be two different things. This is where you can start to check:

http://www.cms.hhs.gov/MedicaidEligibility/

Remember you should check with your state.
Besides that, some states have stuff for low income who make too much for Medicaid.

As a student, you SHOULD have student health insurance available. Your student government office should have that info available for you–and no, it doesn’t mean you have to use the school’s facilities (if they have any).

If you can’t get anything any of those ways, try looking at
ehealthinsurance.com
and I’d suggest you look at HSAs to save some money for yourself.

There SHOULD be some kind of reasonable care available for you for small matters (upper respiratory infections, sprains, etc.). Try Wal-Mart, CVS, other drug stores, and even grocery stores in your area for walk-in clinics, some of which also take insurance should you get a policy.

There may be clinics, such as from a med school or nursing program as well.

Many grocery stores will have a real lab come in once a month for a wide variety of blood work for a very good price.

Many doctors will also see you for a good price reduction if you pay in cash at the time of service (about 30% off would be a good guess).

You might also want to look at the cost of a short-term (can be a year) health policy with State Farm or wherever you get your car insurance.

Lots of potential options, so definitely look and get the needed coverage and care.

Good luck.

Donald asks…

How to get an apartment when my cosigner has bad credit?

I’m a college student and I’m looking for an apartment for next year. Last year, I applied for an apartment and needed a cosigner bc I’m in college, so my parents cosigned and got denied because they have bad credit. My parents annual income is around $120,000, which is always asked the on applications, but I’m pretty sure their credit score is around 580ish. Would it be better to apply at small, individually owned apartment complexes, or the huge ones that are owned by corporations? The one i got denied for last year was owned by a corporation and had very strict rental criteria. However, the apartment i live in now is owned by a huge corporation as well but is located in a much lower income part of town and my parents were accepted here as long as i put an additional months rent down. Would any places be willing to accept my parents as cosigners if they put an additional security deposit or down payment?

Administrator answers:

Do you have any credit? Or, since you are a student, you don’t have a job or the income to pay for the rent? At any rate, I would say you are going to have to do some searching for a complex that will work with your parents being cosigners. You found that needle in a haystack once (where you live now) so, obviously, with a little determination you may be able to find a place that will give you a shot.

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