Quote from ashlee22
thanks so much for your advice; i really appreciate it
Anyoneelse have any advice
Yes I do, but you are not going to want to hear/read it. In any case, here ya go...
Financial Aid does not cover extra debts (expenses not associated with tuition and books). The Financial Aid people will tell you this before you take out any loans if he/she is doing his/her job. In fact, most suggest you not quit working. On the other hand, how do you pass nursing school if you work full-time and you attend an accelerated program? It sounds like a catch 22 but it is not. Most nursing programs are not set up for broke people.
Before you get upset, let me explain that I was in a similar situation as you are in back in 2000!
I wanted to attend nursing school and I had a car payment, student loans, and credit card debts holding me down. I felt like you, trapped!!
I could not get a better paying job to save my life AND I could not get enough money to attend school because any Financial Aid I could get would not cover the extra debts.
So to better my situation I decided to pay off my debts and save up money to attend nursing school. It took five years and it was not easy!
Especially since I was surrounded by people, including co-workers, who seemed like they were happy on pay days. They were able to take vacations and buy new things. I, on the other hand, had 100% of my pay spent on bills before it hit my bank account. :trout:
Furthermore, while I was paying off the debt, people told me I was nuts and that I should just go to school and figure out payments later. However, none of those people would help me out, so I ignored them and pressed on.
Registered Nurses make soooo much money, right? Sure, if they are not indebted to everyone under the sun!
Thus, one of my goals was to stop being broke! That included no more debts to attend school. I also did not want to be in a situation, where I may have to quit school to support myself or fail out of school because I have no choice but to continue to work a full-time job. So the choices I made to pay off my debts AND attend a comunity college to receive an ADN are to ensure I reach my goals.
In fact, I too am beginning the Nursing program in January. Many of my peers are stressed out and some may drop out of the program before we start (at least that is what a few told me). I, on the other hand, can not afford everything I want, but I can definitely afford everything I need
I do not know how to express how good it feels other then to tell you that it is the exact opposite of what you feel now! I feel rich even though I am far from being wealthy. I have been where you are and I know you cannot see the light at the end of the tunnel. However, your situation is not hopeless! You do
have the power to take your time and get your finances in order first!
If you need a second job, then get one. The wait for me was worth every single miserable moment
working my terrible paying jobs because now I am not worried about paying and living for school! :spin: Good luck to you in whatever you decide to do.