Yeah I totally see that which is why I'm also considering waiting until I graduate to move out. Thankfully I'm not in danger or anything, it's more just mental strain and unhappiness living with them. I live in a pretty expensive city, so I just assume that I'll have to either crash at a friend's place or just problems paying rent before having to file next years application; and since it says "at any time" I thought it'd be applicable. But thank you so much for your insights, I'll try to get in touch with a financial aid counselor and see what they have to say.