Need Advice!!! RN or LVN!? Pls read, very complex situation! - Page 6Register Today!
- Quote from fsuandreaThat is true! We have some great ADN schools in my area but they are competitive. Most are through lottery systems, some do it with point systems. It would be naive for me to say that I am starting RN next semester because I haven't even been accepted.In your area, the likelyhood of you getting into RN school for next semester is slim to none no matter what your GPA.. If you can get into LVN school this year at a NON profit school for wayy less than $20K do that. if not, continue working, paying off the debt and wait to see which school you get into first. I heard people in SO cal are on 2-3 year waitlists for RN school...
There are also several non-profits for LVN, but they are full time. For example, Long Beach City College has an 8 month LVN program (although my friend who goes there is taking about a year, I guess it includes a couple breaks), you're in school from 8-3 on a daily basis. It's only $5K but it's also pretty competitive and has some college level pre-reqs (not the same ones as nursing!!! I know one of them is Bio... among several others).
The way I see it is I can quit working, go the full time route, pay $5K and miss out on $30K a year from work (what I make now)... Or pay $20K for a 16 month LVN program while working at my medical facility, keeping my pay, benefits, seniority, etc. Also, the community college route would still set me back some time so that I can complete pre-reqs and get accepted. All in all, I think it would take me about the same time for me to complete either or. The difference is of course the money and keeping my sanity knowing that I can already get started!
Another option is for me to transfer to a night-time position at my job, which I have considered but haven't looked into. It's definetly doable for me!
- Quote from furgieI truly wish I could turn in my car But I have done some research and I believe that would be considered a "voluntary repossession" and would appear on my credit as such. It has the same value as a regular repossession. Then there is also the possibility of me having to pay any difference of my loan of what the car is worth and what I still owe. Doesn't seem worth it!!! I'm going to try to see if someone in my family is willing to keep it and take over payments. It's really not an expensive car ($269 a month, I know people who pay soooooo much more) but my total car expenses take up about 25% of my monthly salary, and such a payment while I'm trying to pay off debt is really big to me. I could be making some serious contributions to my credit cards with an extra $500 a month.I am 1 year away from being an FNP and started out as an LVN. I got into an LVN-RN program and then an ADN-MSN program. It did take longer this way but I was able to work as an LVN (3-11) while going to school for my RN. Its not easy but it is doable.
I am with the gal that said get rid on your car. If you are up to date on your payments I believe you can turn it in to the lien holder as long as you are not "upside down" with the car. I did this before graduate school with GM and they did not ding my credit.
You can pick up reliable used cars for cheap now, that would save you money on your insurance too. Also there are lots of options for credit card debt consolidation out there. To solve you immediate financial problems while in school you can get a PELL grant and also get a student loan. If you get the maximum student loan your residual will be about $1300 per month. You do not have to pay this back until after you graduate, it is guaranteed (no matter what your credit status) and the interest is low and does not start accruing until after graduation.
Good luck..I say go for it!
- Quote from Life is GoodI'm glad you found something that worked for you!I want to encourage you to follow your heart... I raised a family and had an entirely separate career before I decided to go back to school to become a nurse. What inspired me to make the career change was surviving cancer... I felt so driven. Ultimately, what makes you 'too old for change' is the individual's lack of desire to learn. I am 45 and feel like the same goof ball I've always been... I loved nursing school. It was hard, but SO worth it! I chose to get my LVN/LPN first because through the CCs around me, you end up with a lot more clinical time than those students who went straight for their RN...and that really interested me. I am now working as an LVN/LPN, and acquiring my BSN RN on-line (at my own pace) while my employer foots the bill. I'm really happy with my decision. Take a deep breath, start your schooling and see how everything falls into place... It'll be okay. Best wishes to you!!!
I guess I'm reaching a stage where I am realizing that my goals wouldn't be as quickly attainable as I thought. I decided to become a nurse at 21, and now I'm 25 and have only gotten pre-reqs out of the way. I thought I would for sure be in nursing school by now (keep in mind, when I decided to switch careers to nursing, I was only a year away from completing a bachelor's in English so I decided to finish that first!) My debt situation has really set me back... I've worked part time at my clinic (very recently became full time) and most of the time held a second part time job as a tutor so that I could pay even the minimums , I also started a tiny photography business on the side to bring in more money, & for the past 4 years I have been very actively volunteering at my church, something that with all the pain in my heart I have decided to drop as soon as the year ends so I can focus on my career. I'm pretty much an "all over the place" person, and many times think with my heart and not my head.
It's crazy how writing it all down makes me think "wow, I worked that much and I'm still in debt!"... Debt is really hard to get out of. It's easier said than done. I have only recently been able to apply more of my money to my debt... By the end of this year I will have paid off 3 of my 8 cards... By mid-late next year, another 4!!! Then I'll be left only with my biggest credit card (which is at about $12K right now) and my car. Makes me regret my financial choices when I was younger verrrrrrrrrryyyy much
All I can say to myself is to focus... I know how much I want this and am willing to do whatever it takes!
- Quote from RonnieDitaApplying to both is a great idea. I guess i'm trying to get ahead of myself and i want to start LVN NOW lol... It's really tough to feel like i'm just waiting and waiting. I just have to really sit still and make sure I am making the best decision for me!Hey if you're in LA you can check out North Orange County ROP and Downey Adult School they both have LVN programs for under $10k. One is about $3k I think. Also doesn't Long Beach City College have an LVN program? If you are going to do LVN choose a school that is cheap. I've been thinking a lot about going to get my LVN first, Im in Orange County. However, in CA in general there aren't a lot of places hiring LVN's or ADN's. So, its a difficult decision. If you already had Physio done I would say apply to both LVN and RN programs and see what you get into.
- Quote from meatandveggiesStory of my life!!! Seriously!!!There never seems to be a "right time" to do anything. We can plan things, but things very rarely go according to plan.
Thanks for the advice. It's great!!!
Yes, the reason I considered LVN first is because my original plan was to pay off all my debt BEFORE I started an RN, BSN or MSN program (whichever I can get into). So I thought, why not work on my LVN as I pay off debt? I do expect to be done with my debt in about 2 years! So my idea is, by the time I'm done with my original plan of paying off debt, I'll have a head start and have my LVN. I'll still have my current job if worse comes to worse, but I'll also have my "foot in the door" at my medical facility to take up an LVN position when it became available.
Then, having an LVN would give me an advantage to RN program because I'll have experience & a better understanding of nursing and I'll have the option to work as a night/weekend/PT or FT nurse.... An option I don't really have as an administrative assistant, which is the only experience I have other than teaching/daycare, which limits my work hour options as well!
Before I considered LVN, my plan was to wait until 2013 to apply for RN school. I figured I could get something done in the meantime. I don't expect it to be easy. It's just that the school schedule that I looked into seems so perfect and it just feels like I should really take advantage of it.
- Quote from fsuandreaCongrats on getting into RN school! I would do the same thing!I am also in a similar situation w/debt.. I have $17K in cc debt... total monthly for me to live is $1200. I just got accepted to RN school in Jan and I AM going! I can afford the minimums to keep my cc's at bay until Im done with school. I also have summers off from school so I am able to put a lil extra into the debt payment during those months. If I were to wipe my debt clean before I started school id be 3-4 years and I'm already 26...
That's exactly how I feel about waiting!