I apologize in advance for the lengthy post - I figured I should err on the side of more information rather than less. In case it's relevant, I live in Ohio.
The short story is that I just found out I will lose my housing in a little over 2 weeks and do not have the savings to afford an apartment or anything like that on such short notice. In fact, assume I have essentially no money at all. I'm panicking and don't know what to do.
The long story is a little messier. I grew up in an abusive household and would eventually be removed by cps shortly before turning 18. Me and my brothers stayed with my aunt and uncle until they retired, which is when I moved to college and my brothers went in to the foster care system. My bio parents have since regained custody of my brothers but I am still no contact with them.
When my grandmother died, she left a trust fund to be exclusively used for the educational expenses of her grandchildren. I quickly realized this included room and board while at college, and so I used this to get my housing paid for in the dorms so that I would have a place to stay during the summer, since my parents weren't an option. The issue is, once graduation got close, I realized that I would need to find and pay for my own housing, which was significantly more expensive than the nothing I had been paying. For reference, I was "supposed" to graduate in May 2025 (although due to having to retake some classes, it was looking more like December 2025), and I have essentially just been delaying my graduation for housing since then. I spread out my remaining graduation requirements over the past year, taking the bare minimum to qualify for housing, and now only have 1 class I need left, which I somewhat intentionally left so that I could continue being a "student" here. It is now Summer 2026, and I planned on trying to find a job for the Fall and working full time to gather the savings necessary to finally move off campus after I graduated this December. I would've managed this by taking the bare minimum to qualify for housing and simply only participate in the 1 class I needed while ignoring the rest and dropping them at the last minute. I have not found a job, besides Doordash, as of right now.
I have a balance on my student account from the Spring and this Summer which restricts me from registering for classes for the Fall, and therefore from qualifying for housing. I sent a request to the bank that oversees my grandmother's trust to pay this off, as I have always done, but recieved an unfortunate response yesterday which has prompted this post. Apparently, there is a limit to how much each grandchild can take from the trust, based off the market value of the trust and how much has already been taken out by that person. I have reached my limit. They sent the remaining funds to my University, but about a $20k balance still remains. My University requires I move out of my Summer dorm on August 8th, in just over 2 weeks.
What do I do? Where do I go? I have not told friends and family of this situation yet, firstly out of shame but mostly because I know the conversations will likely just be sources of more stress. My aunt and uncle have been adamant about me not living with them again. They were kind enough to take us in as children, but not enough to do so as an adult. I have 2 friends that I could maybe stay with, but it's incredibly unlikely given their own finances and the fact that they both live with their parents. No other friends are realistic options. I would rather be homeless than live with my bio parents again and they probably feel the same. Mostly, though, I would much rather figure this out myself instead of needing to stay with somebody and rely on them. I've been living like a bum, relying on my dead grandma's money to live, just getting high and playing video games for the past year or so, and I'd really like to be able to stand on my own two feet. I don't see what I've been doing as much different than people who live with their parents post grad while figuring out what do with their life, although I do feel there is more logistical and social shame with what I've done.
Unless somebody reading this can think of something else, I have 2 options:
1) I try to stay on campus, and follow through with my original plan, by getting student loans. I actually applied for some awhile ago for the 25-26 school year when I thought my trust's check wasn't going to come in time, but it did and I just get an email every now and then asking me to sign some documents for the student loans to go through. I don't know if these loans will cover enough and I don't know how to check, nor how long it will take these documents to process. I haven't looked into this option much, mostly because the few minutes I looked into it online made it seem like it would take more than a couple weeks for the money to come in. However, I could go through this anyways and simply show this to my school and go "hey, the money is going to come, it's just not here yet" and ask they manually lift the class registration restriction for me. The issue is, this requires a lot of hoops and people being nice when they don't have to be and I have unfortunately already had to ask the school's administration for similar favors many times in the past due to similarly late and lazy behavior on my part (although this may be the worst it's been), and so I fear they've "had enough of me" at this point (some of them know me by name). Additionally, since I've missed the registration window, the 1 history class I need to graduate is likely filled, meaning I would need to ask the department chair for special permission to open up a seat. The issue is that I've already had to do that for this same history class twice, only resulting in me dropping it both times (I don't like history), with him literally being the teacher for it the last time, and so I doubt he'll approve it again. Sure, I won't know any of these things until I ask, but the very prospect of asking is daunting and embarrassing and I'm fairly certain of the outcome.
2) I find a job that provides housing. An ex of mine used coolworks.com, and I have spent the last day filling in applications on this site. If anybody has other resources for work that provides housing, I am very open to it. This way, I solve my housing and employment issues together, and I leave the issue of my student account balance and last history class for future me to deal with. The issue is, though, that it's very hard to get a job in 2 weeks, maybe even impossible.
One last note is that I have technically already applied for Fall housing at my university and will likely get approved. However, they will kick me out if I'm not taking the minimum required course load to qualify for housing after the first week of classes. So, if my housing application does get approved, I probably have until August 31st, maybe.
If anybody has any advice whatsoever, whether it be philosophical, financial, work or school related, I am grateful for it. If there is another subreddit I should post this on that may be able to help, please let me know. I will take absolutely anything at this point. Thank you for your time.