Attending college can be a significant financial burden, especially when housing costs are factored in for those who can’t commute. Many students are not only looking for nearby or on-campus housing but are also eager to embrace the independence that comes with living away from home.

Navigating the housing options and securing affordable accommodation for low-income students can present numerous challenges.

Due to strict regulations regarding affordable housing for students, a “student rule” was implemented to ensure that program benefits are directed toward those who genuinely need them, rather than benefiting students who are dependents of affluent parents or from families with broader financial capabilities.

This article outlines several program options available to students along with their respective student rules.

Independent Student

To begin, let’s clarify the definition of an independent student as outlined by the Department of Education:

• Is 24 years old or older
• Is married (you may be separated but must not be divorced)
• Has legal dependents aside from a spouse
• Is orphaned (has been in foster care or a ward of the court)
• Homeless or at risk of homelessness
• Emancipated minor with court documentation
• Veteran of the US military
• Must not be claimed as a dependent by anyone on any IRS-related documents
• “Professional students” pursuing a master’s or doctorate degree
• Documentation of any financial support you receive from your parents, signed by them (even if no assistance is received, a certification stating $0 help is needed)

Program Options

Section 8

Commonly referred to as the Housing Choice Voucher program, Section 8 offers very low-income individuals and families housing vouchers for affordable residences in privately owned properties, and in certain instances, assistance with utilities as well.

To qualify for Section 8 housing as a student, you must be an independent student (as specified above), a disabled individual who is already receiving Section 8 benefits, or have parents who are eligible for Section 8 along with proof of your independence from parents not qualifying for the program.

HUD HOME

This program supports various activities, such as purchasing, rehabilitating, or constructing rental housing for low-income individuals or families earning less than 80% of the area’s median income.

As a student, eligibility for the HUD HOME program similarly requires you to be classified as an independent student. The student rules for this program align closely with those of Section 8.

LIHTC

This initiative promotes the construction and renovation of low-income housing through federal tax credits. Although many properties specifically cater to seniors, there are options available for other demographics as well.

It remains an advisable choice for eligible students. To qualify for the LIHTC program, you must be recognized as an independent student who either receives TANF benefits or is enrolled in a job training program that receives support under federal, state, or local regulations or the Job Training Act.

Proving Your Independence

Usually, you will need to demonstrate your independence from your parents.

Landlords may require verification that you meet the legal contract age under state law and that you have maintained a separate home from your parents or legal guardians for at least 12 months prior to application.

Unconventional Option

Some senior living communities provide low-income students the opportunity to reside in a senior facility, allowing them to contribute companionship and assist during activities in exchange for housing. Typically, students are expected to contribute at least 30 hours a week towards these activities.

This can be an excellent option, not just for its affordability, but also for the fulfillment that comes from offering support to elderly individuals who may lack nearby friends or family and appreciate the companionship.

Conclusion

While there are several limitations on affordable student housing, we hope this information has clarified your options. Remember, it’s always wise to reach out to your Public Housing Authority (PHA) and inquire about additional resources they may offer to assist you.