The other time is spent at school, I am a music major so I have to practice multiple instruments frequently.

The military fell through because my parents are on disability and the was supposedly going to pay for school since my dad is 100% disabled

The university office has passed the loan to a debt collector and they told me that anything that is over a year old will not be covered by a student loan

I don't know what you mean by the last question, but the payments for the student loan start on 2/2.

I mainly need the 17k since I can't apply for any transfer until I have my transcripts from the private university.

Can I pay some of it out of pocket and get a smaller loan? I don't know if that's an option or not