in,â Pam Brady explained as she sat. âPlease have a seat, and weâll go over your application.â She scanned the printout as I perched nervously in the chair facing her.
I was relieved that she didnât snort or laugh in derision while she read.
When she finished inspecting the registration form, she leaned back with an affable, âItâs too late for fall semester, but youâre right on time for winter/spring applications. That quarter starts in January, the sixth. You can finish filling out the FAFSA at home and bring it back, along with an active passport or official copy of your birth certificate, your driverâs license, and a copy of the last year of your tax returns.â
She glanced at the printout again, then turned her attention back to me. âTo give me a better idea of your qualifications for aid, would you mind my asking you a few financial questions? Strictly confidential, of course.â
She must have seen that I was skeptical, because she told me, âAll our information is confidential and accessible only to qualified staff, not student aides.â
âThanks. Thatâs a relief.â I relaxed a bit. âWhat would you like to know?â
âWhat was your AGI for last year?â
âI beg your pardon?â
âSorry,â she said. âWe get so used to the acronyms around here. Your adjusted gross income from your tax return.â
âOh.â I thought for a minute, picturing the screens of my online tax prep program. âIâm an independent contractor, so I have lots of expenses and health insurance to write off.â My mind finally got to the AGI screen. âTo the best of my recollection, the AGI would be about twenty-six thousand. But my taxable income was only twelve.â
She nodded and jotted that down on a notepad on her desk.
âAnd this year, to date?â she asked. âJust a ballpark estimate will be fine for now.â
I sighed, the figure sticking in my throat. I knew exactly how little Iâd made in the seven months since New Yearâs Day. âThree thousand, seven hundred, twenty-two dollars. Gross. With no prospects pending for more.â
Her brows shot up. âHard year for everybody.â She wrote it down. âAny assets?â
âJust my 2009 minivan. I lost my house to a short sale. My credit ratingâs trashed, and Iâm broke, except for two hundred dollars in my checking account.â Shoot. Would that be enough for the registration fee?
She brightened. âSo youâre homeless?â
That was good news?
âActually,â I said, âI moved back into my ninety-year-old motherâs because I didnât have the deposit for an apartment.â
She lifted an index finger. âWe have special funds for the homeless, but Iâll have to check to see if your situation qualifies. Is your mother receiving any income beyond Social Security?â
âNot that I know of.â Iâd have to ask her. For all my motherâs gossipy phone calls, what I didnât know about Miss Mamie was a lot .
Maybe that was why she liked to talk about everybody else so much; it kept the focus off her.
Pam Brady made a note in the margin. âBased on what youâve told me, I think youâll qualify for a Pell Grant. But things are so crazy in this economy, not to mention the whole undocumented student situation, that thereâs fierce competition for the assistance we have left.â
My face must have fallen, because she was quick to say, âBut donât get discouraged. Since youâre an overage female, Iâm almost positive I can find some help for you.â
Overage female? Was that what Iâd been reduced to?
She chuckled at my indignation. âThat term applies only to scholarship applicants. Here, youâll be designated as a nontraditional student, along with anybody else over twenty-five.â
Better.
âAnd what
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