Apartments for Low Income

Questions and Answers

Your Questions About Apartments For Low Income College Students

October 12, 2012

William asks…

Place to live for a collage student with horrible credit and an eviction on his record?

I am soon to be college student (again) and i need to find a place to stay that isn’t on campus. Here is a little about my situation.

I was fired from my job about 3 months ago and am now living on a very LOW unemployment income, with a friend. I have HORRIBLE credit from mistakes i made when i was younger, and also have an eviction on me at the moment. I am about to start school and will be getting some of my loan money to be able to pay for rent or help with bills and the like. My girlfriend of 5 years also has an eviction (but hers is cheaper to pay off then mine)

So i guess my question is, is there a way i can move out on my own again somewhere that will take my student loan money as rent payment without checking/caring what my horrible credit is and that i have an eviction.

A home would be awesome….apartment OK….trailer even…I just want some advice.

Thanks for your help.

Administrator answers:

Contact private landlords who do not do a credit check and rent from them. Look in your local Sunday newspaper, it lists more places for rent and call and go see places early as many places will get taken quickly. Also check on and you can post and ad for free on there site too. Also Check grocery stores in you area and place a free ad there too in wanting to rent a home in ( your desired area). Also check with the college for off campus many landlords list there rentals with them. Enjoy your new home.

Linda asks…

How much do I need to save up in order to move out?

I am 27 years old this year, and I have been working since I was 16. However, I still live with my parents, and my income is lower than 35000 a year. I don’t drive, so I have no car insurance to pay for.. I didn’t go to college, so I have no student loans. I only have the money that i’ve been saving up all this time which is under $10,000.
I understand with renting an apartment or a basement suite.. i’d have to pay few months rent in advance? As well, i’d have to buy new furniture.. (bed, mattress, couches, etc.)
So how much should I save up before I can move out and live comfortably?

Administrator answers:

Boy, you must have been spending like crazy. You’ve had no expenses and no debt for 11 years and have saved under $1000 a year?

To move out safely, you need 6 months of living expenses saved. For the apartment, you will need the equivalent of 3 months of rent to give to them (first, last, and deposit). You’ll also need money to furnish the place, for utilities, and living expenses.

We can’t give you a hard number. I have no idea what rent is where you live and what you can afford (you must bring home 2.5-3 times the rent). I have no idea if you need to have a car where you are and what kind of lifestyle you expect to have.

If you are looking to move out before you are 30, I recommend that you stop spending and put every extra dollar into a savings account or CD. Your take home should be about $25,000/year after taxes, right? Even if you spend $1000 a month on crap, that’s $13,000 a year you could be saving.

At $25,000/year take home, you’ll be able to easily afford a place that’s $600-$800 a month.

Sandy asks…

I’m having a panic attack, so overwhelmed!! Feel like the whole worlds mocking me! Any advice plez!!?

I’m in my 20′s and recently graduated college last may, and yes I have a job but it’s only a seasonal temp position at a theme park that lasts till November. My field is graphic art. So for the past three weeks I’ve been job huntin like crazy. I put resumes out like everyday and been following up with postions I’m still interested in and theres been a few responses and prospects but no real offers yet!! and its driving me crazy. I just wanna job in my field thats more permanent so that I can get steady income and cause I’m still living at home with my parents like a f**king loser!! Everyone who I know thats my age already has their own place, well thats what it seems like anyway, so I just don’t know what I’m doing wrong here. I’ve been working my a$$ off trying to find that job that will get me my own apartment. Yes I pay some bills now like my insurance, food, gas, and other necessity items. I have over $8,000 saved up to pay student loans and stuff. I’m extremely low maitnenance and don’t ask a lot at all from my parents, but I still feel like a loser cause I haven’t found financial freedom yet. Agggh, I’m going nuts here, trying to figure out what I want to do with my life before I hit menopause!!! Of course my mom supports me and praises my strong efforts in finding permanent employment, but I feel like shes saying that cause shes my mom and is just trying to make me feel better, that she’s mocking me and doesnt really mean it. No one else around me judges me for still living at home, but I feel that deep down that they really do and just don’t wanna be honest and come outta the closet and say that I’m a loser. I feel like such a dipsh*’t. My mom also says that if I keep acting all worried freaking out and living in fear, then it’ll just take longer to find another job and push things away–WTF?–I tell her that I don’t act nervous in front of interviewers and potential employers and I don’t freak out in public or anything. I always act professional in emails, conversations, and know job interview rules, and dress and act for the part, I proofread resumes before sending, so I don’t see how I’m pushing opportunities away–she then says it’s not about my behavior in public, it’s more about my way of thinking, that I think too negative and I’m projecting all this “negative energy” out in the universe and what I think about becomes bigger–I’m sorry but if I’m putting in my best effort in finding another job, I don’t see any logic in that; I need a scientific explanation. I mean, what is the deal with this “negative energy” bullcrap?? So is there anything I’m missing here, as far as finding a job goes? Am I like seriously falling short of something or am I just putting too much pressure on myself? I appreciate anyones input.
Woo hoo!! Yay! A scientific explanation from the last answerer John! The serotonin and learned behavior thing makes a lot of sense now, lol. ;-)

Administrator answers:

Believe it or not, I actually read your whole rambling diatribe. ;-)

If you write like this in any business correspondence, you will not get a job. It reads like you didn’t take a breath. Plus you gave too much of yourself in here. Remember, people really don’t want to know everything, especially in business relationships.

However, in this forum, honesty is a good thing.

Let me tell you about myself, then I want you to look at the people around you and compare them to me.

I’m 44 and work of the USPS. $52,000 a year, great benefits, crappy hours, psycho coworkers, divorced, and no life. Does that sound like any people you know? I’m a wage slave!

You are in the Perfect place right now to be the master of your own life. Stay at home and think about starting you own business. Do most of the work from home, then move it to a van, then maybe a store front in a few years.

If you don’t know what to do, then look at the places you are applying to. What do they do and who are their customers? Copy them. You don’t have to be original, you just have to do a good job. Start small, live at home, do the work there, then expand slowly.

Talk to your mother about this and see if she will help you. You have a great future in front of you if you will apply yourself. You friends who are wage slaves and using all their money to pay for rent and cable TV will be jelous of you in a few years.

Steven asks…

What can I do differently to get a job? Any job!?

Ok, this is long, and I apologize ahead of time. I am 21, recently graduated from college, and just came back from studying abroad in Paris on June 1st. The main problem I have is with my mother. She has threatened me with the, after July, if you don’t have a job, you need to do things exactly as I tell you, because you can’t be in my home eating my food, etc. etc. She never pressured me about having a job during college, even though I did look, but now that I am out of college, she has been treating me like I am a leech who has been lounging for 2 years! My graduation ceremony was in the beginning of May, but my program did not finish until the end of the month, so maybe she is stuck in the mind frame that I have been out of school since the beginning of May. I don’t know, but I do know I have never wanted to be out so badly in my life. We got into an argument recently over getting my hair edges trimmed! I cut my hair last December because I am tired of relaxing my hair, but she has not accepted it, even though she tries to act like she has. She is obsessed with finding some product that will make my hair look all the way curly and not like a small afro (I have thick, tiny curls that frizz in the heat). If she was so concerned about my finding a job, why has she spent 98.5 percent of her energy in concentrating on my hair and not on potential jobs or interview tips?? We have not spoken for almost a week. She goes through this thing where when she is mad she does not talk to the person she is mad at. So I am essentially trapped in my room when she gets back from work, because the only other place to go is the living room, which is where she watches her soaps from the day (we live in an apartment). When I first got back she was joking about her doing it to my grandmother as a teenager. She did this stuff as a teenager, but has yet to stop! I tried to make convo twice and she came back with an attitude, so I have just given up.

I want to go back to DC, because I spent my freshman year there, before I transferred back to my home state, but I can’t move there without any money (btw I had to finance my entire program on my own). I have NEVER asked her for money, EVER. I weigh around 100 pounds at 5’1, so I don’t eat her out of house and home (I have even started rationing my portions so it doesn’t look like I am eating alot, plus I feel guilty about eating the food when I’m not working). When she moved to Atlanta, she took out a loan on her car. She told me that she was determined to get me a car no matter what, so her idea was to get a new one, and with my student part time job, pay for her loan. I basically paid for her move down to Atlanta, even though she has been b****ing about it since she moved down here. I clean up the house, and I am looking for a job. I don’t care about getting a dream job here, not in this economy and in this city. I have four years worth of administrative and clerical work from my other jobs. I have applied to a couple of jobs, and 7 temporary agencies (2 this afternoon). I have even applied to Sears, Babies R US…just to find some form of income. I just came from an interview today with a temp agency, but I still feel so discouraged. I have been hearing the average times of finding a job after graduation is six months. Does this still apply for someone who will take any office job with a low salary requirement, who will even do a one day temp job? I just need some income to get her off my back, and to start saving to get out. Outside of applying, sending my resume and cover letters, following up, and basically stalking companies, I don’t know what to do.

HELP! I have two weeks left before she takes over, and I have NO IDEA what that means with her current behavior. I just want to be able to search for a job without this problem, but since that is not possible, what can I do differently to get any job???
Umm, so two things. I am not trying to stay in my mother’s apartment for the rest of my life. I have been planning to move to DC, work a few years there, and then get my doctorate. I originally wanted to get a job here, while searching for a full-time perm in DC. I was going to save up the money I had to pay rent, furniture, etc. once I finally got to DC (max in a year). I am doing the EXACT same things that everyone else who is unemployed is doing, but I have not gotten any leads. Which is why I asked this question. I don’t see how my mother is baby-sitting me. I just wanted advice or tips on how to get some kind of income to move out quicker. Btw, I am a female.

Administrator answers:

So here are what I see as your options:

Move out or stay with your mom

To move out, go out right now, today and find a job of any sort.
Stand on your own, learn to do what you have to do besides cope with your mother and hide in your room.

One of the best things you could do is decide what you want to do in your life and do it. If you don’t want to stay where you are, move, start over and quit complaining. Until you take your life in your hands, you will be miserable.

Good luck – and go get ‘em.

Carol asks…

Getting health insurance for a young adult?

I’m a 20 year old college student living in Houston, TX. I have recently been having very bad problems with depression and anxiety and I think there’s a possibility of anemia due to my low weight and constant fatigue (among other symptoms). Because of this, it’s been very hard for me to get and keep a job. I really need a doctors help with all this but I’m uninsured and have no support from my parents.
I’ve unsuccessfully tried applying for a Harris County Gold Card and I’m not eligible for medicare. The problem is I’m being supported by my boyfriend and living in his apartment for free. When I applied for the Gold Card, based on my situation, they said that I’m dependent on him and that he would need to show his proof of income. Since he lives off his parents money, he is still considered dependent on them.
What are my other options in getting to see a doctor ASAP for cheap/ free? I’m afraid that even if I can afford the initial doctor’s appointment, I won’t be able to afford my medication or follow ups.
Thanks for your help.

Administrator answers:

There is no other option other than have BF pay for your treatment. Welfare is for the indigent, and as long as you live with BF you are not indigent.

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