Affording school... - page 3

Well, I've come to a serious bump in the road. Was accepted to nursing school for Fall 2012 and had my first orientation today. I've been extremely excited, but suddenly I feel like I'm drowning.... Read More

  1. Visit  FORTHELOVEOF!!!! profile page
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    This may not be an option to you because your credit is so young but I paid for nursing school with credit cards, I had a better rate on my card than I could get on a loan, it was always paid off before the next semester started so that I could charge it again. Also there are some cards that offer 0% for 6 months or a year, as long as you have the means to pay on them it's not a terrible option.
  2. Visit  afterseason profile page
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    Quote from VictoriaMareah
    The Discover student loan and Sallie Mae do not require co-signers, but co-signers will greatly increase your chance of having a lower interest rate.
    https://www.discover.com/student-loa...-cosigner.html
    I looked into Sallie Mae, but they said I required a co-signer. I'll look into Discover in case I need it. Thanks!
  3. Visit  afterseason profile page
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    Just wanted to let everyone know -- I figured out my situation. It's not the route I necessarily wanted to take, but I WILL be able to attend nursing school and I WON'T be burying myself in debt. Thanks for everyone's advice!! I'll definitely keep it all in mind in case I hit a snag like this again in the future.
  4. Visit  afterseason profile page
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    Quote from LiLev
    We all feel your pain, I'm in a similar situation myself. If you can do your current job part time that would help.

    Only you really know what your capable of as far as time-management and working. I think they tell all student not to count on working just because some can't manage it with their other responsibilities. If you know your well organized and think you can manage give it a try. Some of the senior students at my school have worked 20 hrs, 30 hrs, 1 even worked 40 hrs plus was on-call and she still got A's so don't count yourself out until you try.
    I'm fine with time management and all that. My thing is I have a 9-5 jobs Mon - Weds that does not have weekend or evening options (corporate job), so school really does not mesh. Also, my position there is a full time affair, plain and simple. Le sigh.
  5. Visit  afterseason profile page
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    Quote from PNicholas
    Why do you have to quit working? At orientation they stressed to us that you can not work and go to nursing school. Funny thing is, all of us work and go to nursing school! We (6 of the girls in my program and I) work on average 35 hours a week. Maybe you will have to take an MA job or be a cashier with flexible hours. Might not be a job you want but it will help you reach your overall goal...to be a nurse! If you have to put it off, try to find an evening program. That's what I am in and it is better suited for student who have to work! In the end, it is exactly what our instructors tell us..you will have to sacrifice for nursing school BUT it is short term!!
    I am looking into getting some sort of part-time evening or weekend job. The only reason I cannot do school with my current job is that is a M-F 9-5 in a corporate facility, no weekend or evening options.
  6. Visit  afterseason profile page
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    Quote from VictoriaMareah
    Yup, My friend works about 30 hours a week during nursing school as well to support her and her husband - so it's possible
    It's definitely possible -- just not with my current job. So regardless of getting a new job, it leaves me with downtime in between that needs to be filled. Ah well, we've figured out an alternate route!
  7. Visit  afterseason profile page
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    Quote from HouTx
    I realize that this may too late in the game for the OP, but I would take a serious look at why this school is not eligible for Federal loans. The reasons that schools lose their eligibility usually indicate problems with high default rates/ non-completion / drop out rates, etc. If there's something sketchy going on, it is best to know it up front.

    I agree with PPs - the OPs partner will need to help shoulder the financial burden during the educational process. It was great to have a stay-at-home parent, but the situation has changed. Maybe both could work at part-time jobs?
    The school is fine, believe me. It has been around for decades and is very well-regarded. It's not that their not eligible for federal loans, they simply choose not to participate in them. Many of the community colleges in this area seem to follow this trend, and instead coordinate with specific lenders to provide private loans.
  8. Visit  katiebear profile page
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    Just some words of encouragement - I'm in my third semester of nursing school and I have two part time jobs. (A full time job is too hard to work out a schedule.) Two part times gives me more flexibility. One of them has a fixed schedule and one of them has a changing schedule. I've always been extremely up front about nursing school, tests, clinicals, etc. At the beginning of the semester, when I get my clinical schedule, I make copies and give the days that I will be in clinical to my bosses so that there are no mistakes. I always make sure my availability leaves me study time. And most of all, I take advantage of EVERY free moment I have. I am always working on some sort of goal. I keep a lot of to-do lists, and my planner is my best friend.

    You can do it, it's just a bit hard. But my motto lately is, where's the fun in easy?
  9. Visit  afterseason profile page
    0
    Quote from katiebear
    Just some words of encouragement - I'm in my third semester of nursing school and I have two part time jobs. (A full time job is too hard to work out a schedule.) Two part times gives me more flexibility. One of them has a fixed schedule and one of them has a changing schedule. I've always been extremely up front about nursing school, tests, clinicals, etc. At the beginning of the semester, when I get my clinical schedule, I make copies and give the days that I will be in clinical to my bosses so that there are no mistakes. I always make sure my availability leaves me study time. And most of all, I take advantage of EVERY free moment I have. I am always working on some sort of goal. I keep a lot of to-do lists, and my planner is my best friend.
    I will definitely have to start looking into some flexible part-time options. It's just very scary having to leave this full-time job that I have been with for years!
  10. Visit  ImKosher profile page
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    You need to apply for private student loans. Check out Sallie Mae, thats how I'm paying for school.
  11. Visit  Jennie.K profile page
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    Do you need to make 2000-2500 a month? If not, you can work Fri-Sun in a restaurant. I have waited tables on and off for 8 years and it seems to be the best place to make the most amount of money in the shortest amount of time. When I worked at Olive Garden, I made at least $150 a night on Fri/Sat night. I would usually work a double on Sat and Sun, then on Fri work 5-close. I would make between $400-$600 in those three days. Restaurants are super flexible and you can always be scheduled weekends and pick up extra shifts during the week if you need more money.

    Good luck to you!


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