Stafford Loans with a previous degree? - page 2

by sugarmagnoliaRN 2,668 Views | 16 Comments

Hey y'all, I am applying to start a nursing program in January 2012 and am starting to get worried about financial aid. I applied to an ADN program at my community college and haven't gotten many straight answers from their... Read More


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    I agree... the thing that's going to be hard though is paying all my bills and being able to get all my work done. This summer I worked full time and did 15 hours of pre-reqs (including 2 lab sciences) so I'm used to being stretched thin, but I would hate to find out mid-way that I can't do it. I'm also researching scholarships, etc. that I can apply for but most are awarded for the Fall semester (I'm hopefully starting in the Spring) so I'll have to wait until then. Does anyone know of any hospitals that grant scholarships in exchange for work after graduation in the DFW area?

    Thanks for all the responses! Deciphering all this financial aid stuff is a major pain in the butt.
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    Quote from sugarmagnolia018
    Thanks for all the responses! Deciphering all this financial aid stuff is a major pain in the butt.
    No problem! I don't live in that area, so I can't help you there! All I can say is research, research, research all the financial aid options. I can definitely emphasize because I was trying to figure out all that stuff too about a year and a half ago. Good luck!
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    I was denied financial aid for my ADN program because of SAP (150% rule). I had to petition multiple times to get them to give me enough financial aid to complete the program. I get just enough to cover tuition ($70/credit hour, not much) and I work to cover all my other expenses. Keep fighting for it! The rule is designed to stop those from getting financial aid who have spent years in college and gotten nowhere. It isn't designed to prevent those of us with a bachelors degree from changing careers (but that is unfortunately what happens a lot).
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    My school's appeal process for this is no longer in place their financial aid office is severely backed up (there was an article about it on the front page of the Dallas Morning News today) so I can understand why they can't have thousands of people petitioning for that when they can't even get funds disbursed. How many hours do you work to cover your expenses? I think I can work 25-35 hours while doing my ADN, but then again I might be sorely mistaken... just want to make sure I know what I'm getting myself into! (I know it will be hard, just hoping it's not impossible.)
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    That stinks you cannot appeal! I think there should be an automatic process in place to "skip" over the SAP ban for those with a documented previous bachelors degree!

    I work around 20-25 hours a week right now because I am taking Med/Surg (lecture, seminar, clinical) plus Nursing Skills II (lecture, lab) and Pharmacology II (lecture). After this quarter, I will probably go back to working 40 hours a week because we just have 1 class (6-8 credit hours for lecture, seminar, clinical). I work as a PCA at a local hospital. It's rough and I've had to give up a lot, but it will be well worth it in the end!

    Get any and all non-nursing classes out of the way (like the sciences) before you even start. It will make your life a million times easier! There are people that are full-time nursing students with full-time jobs and have families. It is doable, but I wouldn't recommend it. I recommend working the LEAST amount of hours you can while staying financially stable.
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    Yeah I gotcha. Luckily my program requires us to take almost all our non-nursing classes before we apply, otherwise there's no way we'd get accepted. So I'll just have nursing lecture/lab, clinical, and one class about death. So the most hours I'll be taking in one semester is 12, which is good!

    During our summer semester, there are 4 weeks where we have clinical 3 days a week (no lecture) so for that semester I'm hoping I can get a job as a PCT/PCA/CNA/what have you... it'll be our second semester so hopefully that'll be possible!
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    Just thought I'd update in case there are any other students dealing with this issue. I was able to get my SAP hours re-evaluated. They decided not to count any credit hours from my last degree that are unrelated to nursing against me (which were a lot, considering I have a degree in Art History!). So it's looking like I'll be eligible to get federal loans for the duration of the program.

    Thanks everyone for the responses!
    Kaligirl02 likes this.


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