Too poor to become a nurse? - page 4

Hi, I am really bound and determined to go thru with this college thing- because if i dont do it now, i think i will always regret it.... BUT here's the problem- we don't really have the money... Read More

  1. by   chesara
    I think you have to fill out FAFSA no matter what, even if you don't think you're eligible. It's usually the first step in the financial aid/loan process. I always do mine on-line and I'm never eligible as my husband makes too much (though we don't see it - all the bills get it!). I don't think it's too late to apply because tax season just ended and you have to have the previous years tax information to fill it out. If some people don't file until April 15, then it's only been two weeks since then so it can't be too late.

    I'm thankful for Georgia's HOPE scholarship, which is funded by the state lottery. I went to college on it and now my son is going on it. You have to be a resident of GA but I don't know for how many years before you qualify. Also, grades are a factor on if you qualify. I had been out of school too long and didn't do too well on the math entrance exam so I didn't get it my first semester. But after proving myself with a good GPA, I was able to get it for the remaining semesters.

    But unfortunately I didn't use HOPE for nursing, I chose a different field. Now I will have to have all student loans for school and I'm already paying some back from before because HOPE only pays for so much and for so many hours. It's not intended to pay for you to go to school for however many years you wish. After I think 126 credit hours (give or take) it runs out.

    I'd check into any scholarships for your state and also see if any of the hospitals offer tuition assistance. You would owe them so many years after graduation to work for them in exchange. I might go that route if I can get the information.
  2. by   alliestar
    Living your life in the "What if" mode is no way to live your life. I have a newborn and a well paying job now. I am the breadwinner in my house and that's not saying much. Taking a 100% pay cut is making me ill at times. However, I work in a very unpredictable line of work and will definitely be squeezed out by the time I'm 40. I've decided to bite the bullet and take out the equivalent of a car loan to secure my and my family's future. Plus, I know what I will be doing will make me feel worth something. Each day, you will have the chance to comfort someone or make them smile during probably one of their lowest points. Or if your in L&D, share in the happiest moments. Live your life like you only have one life.
  3. by   JenM
    Hi,

    I am in a very similar situation. We are low income as well, with 3 kids (7 months, 4 years and 6 years old). My husband just got laid off too! Before that we made a combined income of $1,600/month. Yes things are tight, but we manage.

    Here, in Michigan, my tuition is paid for through financial aid. Then I take out student loans to pay bills and school supplies. This comes to about $20,000/year in student loans. I apply for all of the grants that I can and usually through that I get about $4,000 more a year. It is $245.00/ credit hour at my school.

    Here's the deal: if you want it that bad, you will do what you can to make it. IMHO if you have to eat ramen noodles and corn for the next 2 years it's worth it. Nurses not only get paid good, but have a rewarding job too!

    BTW, I know a girl that has 7 kids and is doing the program just fine!:smackingf
  4. by   Wondergirl0905
    Don't put off a nursing degree for fear of debt. Not many people can go to school these days without student loans. Don't think of it as putting your family in debt - think of it as investing in your future. You will have a guaranteed job no matter where life takes you and those loans will be paid off in no time. There are also federal loan forgiveness programs that can help pay them off even more quickly.

    Good luck in your decision!
  5. by   Jeannai
    go to a community college in your area. talk to a financial aide advisor. you will be surprised what will happen for you. i have a family as well and not alot of income, and i dont think of it as selfish i think of it as trying to give them a better life and i use that every day as my motivation. as should you. go now and maybe you will start this fall. keep us posted. good luck.
  6. by   peca82
    Hi

    My name is Peter and I came from Europe where I am a nurse but the problem is that I cant work hire as nurse!!! I come hire 8 days ago but I am ready to start a new life hire as an nurse. I am in medicine for about 9 years most spend on learning. i have finish a high medicine school (4 years) and now I am on medicine university fro ansthesiology nurses!! ( 3 year). i have a 2 years of expiriance as nurse in ICU!
    So if anyone can and wont to help me please mail to me!!!

    Thanx

    P. Miljkovic
  7. by   djc1981
    Yes, I think looking at local community colleges is a great start. They are pretty cost effective. It is actually a small investment when you look at how much your income will raise. You could easily be making 50K right out of school. I say go for it if your situation allows!
  8. by   stykerforce
    I have poor credit (515 FICO score) and I only make about 18,500 per yr working full time as a flight attendant. I am so eager to go back to school and I was accepted to CSCC but I told them I wanted to wait until Sept 2010, when in reality I want to start ASAP. I figure in the mean time I can pay off the debts on my credit report and open two secured small limit credit cards to build a credit history. Anyone have any other ideas to help make my rags to riches story become a reality? My mother is in the same exact situation as I am but also has my 16yr old sister to care for...she resides in DE and I reside in OH with two roommates. I try to keep my expenses as low as possible to send what ever I can to creditors whenever I can.
  9. by   Jilaweez
    Quote from stykerforce
    I have poor credit (515 FICO score) and I only make about 18,500 per yr working full time as a flight attendant. I am so eager to go back to school and I was accepted to CSCC but I told them I wanted to wait until Sept 2010, when in reality I want to start ASAP. I figure in the mean time I can pay off the debts on my credit report and open two secured small limit credit cards to build a credit history. Anyone have any other ideas to help make my rags to riches story become a reality? My mother is in the same exact situation as I am but also has my 16yr old sister to care for...she resides in DE and I reside in OH with two roommates. I try to keep my expenses as low as possible to send what ever I can to creditors whenever I can.
    Are you able to qualify for financial aid? In your financial situation that may help with most of your nursing school expenses.
  10. by   stykerforce
    Quote from Jilaweez
    Are you able to qualify for financial aid? In your financial situation that may help with most of your nursing school expenses.
    October 15th, 2008 I am re-eligable for FAFSA. I defaulted on my student loan from fashion design school (which i went to for one year, waste of my time). I couldn't afford the payments for the first yr that I was a flight attendant and now I am on what they call the "Rehabilitation Program". It is where you pay $100.00 a month via direct debit from your bank account and after your ninth on time payment, you are no longer in "default" status. That ninth payment will go through on October 15, 2008. There is a wait list anyways on the RN program, just like every other college in the USA. While I am waiting should I just go for my LPN to get the ball rolling and then when I can get a seat in the RN class I will already be half way there? Or is that a bad idea?
  11. by   JustPlainJenn
    If you can get the financial aid required to make it work for your family, then chase your dream. BUT, I know how it is to have bills hanging over your head... you need to put food on the table and oil in the tank this winter. For that you need an income. Maybe you can make it work with one person working, maybe not.
    The first step is to find out how much aid you can get (for tuition and daycare) and then figure out how much you can afford to spend at this time. Decide what corners you can cut (if any) and if you are willing to or can do so. Don't forget, in addition to tuition you have to figure in books. I'd love to join the others and say "go for it", I'm really not trying to be a killjoy, but I've been there, I know that sometimes there aren't right or wrong answers. My husband was laid off right around the time I found out I was accepted. We have two children, one with special needs. For me, making choices meant taking a class here and there so I could continue working. It was frustrating and a lot of work, I felt like I'd NEVER get to my core courses, but now that I'm actually starting my clinicals, I'm glad to have all the prereqs out of the way! There have been so many great suggestions posted... look through them and then do what is right for YOU!!
  12. by   jennileigh8182
    I'll admit that I only read the first page of this before posting, but you are definitely not alone! At present, my husband works 40hrs/wk at 9.75/hr. My boss will only give me 30hrs/wk at 12.75/hr. We have an 8 month old son. We make too much money for any grants or even any kind of assistance, but I'm taking federal loans to pay for my classes. I use that to help pay for daycare. We moved to cheaper housing, not in the greatest area, but its close to school and helps decrease our bills. Our income to bill ratio is pretty strained, but as my mom keeps telling me, "Nothing worth doing is ever easy. It'll pay off in the end." I put the surplus from my student loans each semester into my savings account to pay for daycare. When we got income taxes back this year, every penny went into savings to pay for car insurance, daycare, and Christmas gifts this coming year. I still have medical bills from my pregnancy that are unpaid.

    Now, none of this is aimed at pity, and I'd normally NEVER reveal details about our income, but...you can do it. I talked extensively with my husband before I ever signed up for classes, and he's more than supportive of all of this. He understands the expenses of school, and he also understands my drive. I work very hard at my classes and have achieved 4.0 in every class because I want to be admitted to the program on the first try when I finish my prereqs this year. He knows it's important to me, and he knows its for the best long-term. I was ready to quit at one point because I was so worried about money, but he reminded me that the longterm is more important than the shortterm. And he knows this isn't the end. When I finish my ADN program, I'm hoping the hospital where I get a job will chip in for my BSN and then MSN, but if not...he knows it's coming. My goal, at this point, is to be a nurse anesthetist. I'm going one step at a time...get the ADN, work on paying down the debt...convert it to a BSN, pay down the debt...and then get the Master's.

    Yes, I could be done quicker if I went straight to BSN, but it's at least an extra $18,000 over the ADN program, which I can't justify right now to come out with the same rate of pay. So, I'll take longer to get where I want to go. But it's possible. Just when I think we won't make it, something happens and we're ok.
  13. by   jennileigh8182
    Something else to consider...the CC that I'm attending has a part-time nursing program. It takes longer, but it allows you to work more while attending school if you need to. I'm planning to do the quick and painful 2nd degree program (14 months of nursing school) and get it over with instead of dragging it out, that way I'm done before my son is old enough to know that we're poor and money matters will be better before he enters school and is able to tell the difference between our life and the lives of others. I want to get through it now so that he never has to know how rough things are financially. I'll finish by December 2010, when he'll be turning 3, still blissfully oblivious to material matters.

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