Its about a girl who live is a hick town. She works at the local dairie queen and wishes to go the haverty- a big school of arts. She worries about the money situation and never sends in her application, but her mom does. She gets in and just as things are going well, her mom shows up at her dorm to live with her because she can't pay the house payment.

Are you thinking of Brave New Girl? It was a moive on television that came out in 2004.