Parents not supporting me but Im Starting Lvn program next month paying 800 a month! - page 2

Hi all, Im starting my lpn program nxt month its a 14 months program and im paying 800 a month.I get paid about 1,400-1,500 a month Im 20 and my parents doesnt want to help me do the loan.I... Read More

  1. by   mercyteapot
    Quote from charebec65
    For the Federals (like Stafford) income and credit history don't seem to matter. My daughters have to take out these loan. We're middle class and they do not get grants so they have to rely on loans. I just to the FAFSA's annually and they take out their loans....
    Right... I got Stafford loans myself. My parents didn't have to sign for them- except the first one, they had to co-sign, because I was only 17. But this poster should be able to qualify for those without regard to the parents.
  2. by   emllpn2006
    I dont know what school this poster is going to but at the school I attended they did not accept student loans. Something about the default rate of past receivers and the goverment can rovoke giving government funded loans to that school. (the ones you can get by filling out the fafsa) They did recieve pell grants but no loans. The only way you could get a loan to pay for the school was if you got a personal loan through a bank or one of the school loans some banks offer. One of my class mates did tell me though that if you are under 25 and considered a dependent of your parents by the fafsa rules. You can fill it out and send it back with only your income on it and the fafsa people will send you out a letter and give you a chance to explain why your parents info was missing and in some circumstances they will waive the dependency status and you can get pell grants. Like I said this was just told to me by a class mate so I dont know if it works but maybe you could talk to your financial aid office about it. I could not get a pell grant due to mine and my husbands income and due to a past bankruptcy private loans were not possible so I did work full time and go to school. Like someone else mentioned it is not easy but it is really possible if you put our mind and heart into it. GOOD LUCK
  3. by   mynameizjim
    Hi all,

    I thank all of you for replying, my parents have good credit history I dont have any good credit history and also I couldnt get approved for other grants but did got approve for stafford loans.They estimated my stafford and it went about 4,000 for but i still hve to pay the rest ouf of pocket which cost about 800 a month.

    I will try my best to try and finish it, It will be hard but we'll see how it goes..GOOD LUCK TO ME Hehehe..

    Thanks again for giving me advises
  4. by   Nitngale
    Quote from mynameizjim
    Hi all,

    I thank all of you for replying, my parents have good credit history I dont have any good credit history and also I couldnt get approved for other grants but did got approve for stafford loans.They estimated my stafford and it went about 4,000 for but i still hve to pay the rest ouf of pocket which cost about 800 a month.

    I will try my best to try and finish it, It will be hard but we'll see how it goes..GOOD LUCK TO ME Hehehe..

    Thanks again for giving me advises
    It sounds as if you're going to a private school. It might be cheaper to try a community college or adult schoool, many of which are approved. The amount you'll be paying per month sounds like loan sharking. I don't understand why you wouldn't qualify for a grant. Grants should not be contigent on credit history since they aren't repaid. Best of Luck
  5. by   emllpn2006
    In order to get a grant I dont know what the specific amount you can make is but I know it is very low. My husband and I made around 19,000.00 the year I tried to get a grant and that was to much money to get any help at all. Someone told me they only allow like 8,000.00 per adult in the house hold to qualify for a grant if you dont have any children. I dont know how they expect you to be able to live and go to school on that amount of money.
  6. by   Jules A
    Quote from TheCommuter
    Parents who cannot afford college do have the ability to cosign a student loan that the student can repay. Even if the parents don't have the money, their signature is worth more than gold.
    But cosigning IS making them legally obligated to pay the debt if the student defaults. We don't know the history and for whatever reason it sounds like they aren't comfortable with that. Many parent's can't or won't pay for secondary school for their children and if that is the case there are resources out there to help. This poster sounds very determined to be successful and it is my opinion that the value of your education increases ten fold when you pay for it yourself.
  7. by   TheCommuter
    Quote from Jules A
    But cosigning IS making them legally obligated to pay the debt if the student defaults. We don't know the history and for whatever reason it sounds like they aren't comfortable with that. Many parent's can't or won't pay for secondary school for their children and if that is the case there are resources out there to help. This poster sounds very determined to be successful and it is my opinion that the value of your education increases ten fold when you pay for it yourself.
    Parents who fail to provide financial information on FAFSAs or cosign for a dependent student with no credit history are, in my opinion, being selfish. It should be natural for class mobility to occur, and education is the quickest way for students from working-class families to move into the middle class.

    I graduated from high school with an A- average and was accepted to three state universities, but my parents refused to sign the FAFSA or cosign on student loans despite their good credit histories. I come from a working-class family of three (mom, dad, and me) and no one in my extended family had ever been to college, nor do they believe in education. My mother worked at a factory for 25 years and, while she earned okay money, she had nothing to show for it. My father has an erratic history with a string of low paying jobs. They fail to see that times have changed, and that an education is needed to compete in this job market. You cannot just graduate from high school and walk into a good job, but this did happen frequently in the 20th century. My mother told me, "Everyone doesn't need to go to school. I didn't." I ended up working a dead-end job at a factory for over three years.

    It is this type of thinking that prevents upward mobility.
  8. by   charebec65
    Quote from TheCommuter
    Parents who fail to provide financial information on FAFSAs or cosign for a dependent student with no credit history are, in my opinion, being selfish. .

    I agree with you wholeheartedly Commuter. Providing financial info. does not obligate parents to repayment of any loans the student has. Only cosigning a loan would. In order for my daughters to get school loans, we had to fill out a FAFSA and gladly did so. I now have one child who is graduated and teaching in Louisville, KY and another who will graduate in the spring.....
  9. by   TheCommuter
    Quote from charebec65
    I agree with you wholeheartedly Commuter. Providing financial info. does not obligate parents to repayment of any loans the student has. Only cosigning a loan would. In order for my daughters to get school loans, we had to fill out a FAFSA and gladly did so. I now have one child who is graduated and teaching in Louisville, KY and another who will graduate in the spring.....
    I commend you for being a thoughtful parent who displayed concern for the futures of your children by disclosing necessary information on the FAFSA. With a good education their lives will forever be greatly enriched.
  10. by   HotmaleSPN
    I got a credit card and lived off of that the whole time i was in school, now I just have to pay it all back, that way i only worked on the weekends part time, so I could study during the week. its hard to work full time and go to school, but it can be done
  11. by   mynameizjim
    HI all thanks for the reply

    Hi commuter we both have the same problem,My parents just keeps telling me go find a job keep working working working.BUt I want to become A very successful person in the near future.I just dont want to become a person who's going to work paycheck to paycheck just like what im doing now.

    MY MAIN GOAL IS TO BECOME AN LVN FIRST SINCE I DONT HAVE THE SUPPORT THEN CONTINUE MY RN SINCE I'LL HAVE ENOUGH MONEY TO PAY FOR IT. IN THAT CASE I WILL DEFINITELY TRY MY BEST TO HAVE A GOOD FUTURE FOR ME. AND DEFINITELY WOULD HELP MY PARENTS OUT EVEN THOUGH THEY DONT WANNA SUPPORT ME. I'LL TRY TO PROVE THEM WRONG FOR NOT TRUSTING WHAT I CAN DO!!

    THANKS FOR THE REPLY ALL I APPRECIATE IT
  12. by   Jules A
    Quote from TheCommuter
    Parents who fail to provide financial information on FAFSAs or cosign for a dependent student with no credit history are, in my opinion, being selfish. It should be natural for class mobility to occur, and education is the quickest way for students from working-class families to move into the middle class.
    Hey Commuter,
    I truly commend you for seeing how important an education is and working toward one without emotional or financial support. I would disagree that your parents were being selfish, perhaps shortsighted but it sounds like they were only giving back to you what they knew with no malicious intention.

    The thing about judging whether or not these parents are selfish is not clear cut, imo. Speaking from experience, my parents threw away quite a bit of money on my education first time around when all I wanted to do was party. Would they have been selfish or wise to have required me to straighten my priorities out first before they paid for school? I guess all I'm saying is that we don't know this person and the history, we don't know the parents and their issues. There are no easy answers I'm afraid. What I really wish is that in our great country, a continuing education opportunity was available to anyone qualified who wanted one but thats a whole other story. :wink2:
  13. by   mercyteapot
    In fairness to the parents, I think it would be interesting to know what the OP has been doing with his time and life since leaving high school. I have known parents who had kids that started college or technical school, dropped or failed out, and decided several years later that they'd like to try again. At that point, the parents, rightfully IMHO, were there for moral, but not financial, support. We all make choices in our life, and sometimes the consequences are financial in nature.

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