[~Jess~]

Unfortunately, they can deny you. They most likely will not accept your parent's monthly donation as income. The Obama plan involves lowering your payment to 31% of your gross income, which would be around $1382, saving you a little over $600 a month, but you'd still be in the negative. There are other types of mods out there too, but unfortunately, any mod they offer you at this point will not get you out of the red. Are there any expenses you can cut back on? For example, getting rid of cell phones, cable, internet, preschool expenses, cut back on groceries, etc. If you make enough cuts, then you may have a chance! Good luck!