Re: My dream is turning out to be a nightmare!
I don't know if this will help much, but try not to get too down on the whole situation before exploring all your options. Do you have a previous Bachelor's degree? I'm guessing no, but if you do there are a few options including Regis, Metro and CU. If you don't have one and money is the issue, I might say go for your ADN (or AAS, I believe they are similar and will both work when continuing for your BSN) and then do the BSN while you are working and most hospitals offer some tuition assistance. I think most schools are going to advise against working while you are in nursing school.
Regis has a BSN program for people who work in health care field. You take your classes at night and do the clinicals on the weekend. I'm not sure, but you might need a previous bachelor's for this or have at least taken a bunch of general ed courses. I'm unfamiliar with University of Colorado Hospital, but I know they have some kind of program where after you work there for a year or so, you can go to nursing school there and they pay your salary while your in school. I don't know the details, but it sounds ridiculously good.
Do you not want to finance the entire cost of going to school, like living expenses? I contacted my bank, Wells Fargo, and they said that they will give me a check for basically whatever I need (tuition, books, supplies, child care). Of course its all financed, which isn't ideal, but I would not be able to go back to school if my husband and I couldn't get a little bit of assistance for child care. Now that DSN is fully accredited, you might look into a non-federal lender like your bank and see what they can do for you. Unless you want to get your MSN shortly after you finish your BSN you may want to consider getting an AAS or ADN and doing the BSN while you're working. It would just be faster and then you'd be financing for less time.
I went back and forth for so long on what my route was going to be. I'm married, have a mortgage, work in a hospital and have two very young children. I laid it all out on the table and decided what would take the shortest (or most reasonable) amount of time without the biggest price tag. Now I have a plan A and a plan B and feel so much better about it. I don't want to finance big bucks and be stuck with no job, so I had to make a decision based mostly on $$$. I have a previous BS, so I decided that my first choice would be Regis' CHOICE program where I go to class at night. THat way I can work and that will cover child care expenses. I can't afford to go to DSN or Metro and take out more money to cover daycare, so if I don't get into Regis I'll just get my AAS at ACC and then maybe do a BSN while I'm working. ACC will be around $15,000, so if I have to borrow more for child care, it will still be about the same amount as Regis' tuition.
I realize this is a huge run-on post, but I know there is a lot of info and options out there and you can make it work. I thought my head was going to explode trying to make decisions and now I'm totally at peace with it all. It will work out!
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