Where do I began....Well after graduating HS in 2008 I enrolled at my local community college in Pensacola FL. Clueless as to what I wanted to major in I choose nursing because everyone convinced me that this would be one the best fields to work in. Well my 1st year of college I goofed off. I managed to complete a few classes but withdrew from most for whatever reason. 2nd year of college I met who would soon be the father of my child. I'm embarrassed to say that I allowed our relationship to interfere with my schooling and I found myself skipping out on classes just to hang out with him. Eventually I withdrew from my classes and a month later found out that I was pregnant Nov of 2009. I did not return to school spring semester and still havent told my parents that i missed an entire semester of school. My parents left FL the beginning of my 2nd year so I had no parental supervision whatsoever and i totally abused that. Well my father is currently active duty in the army and he plans to let me use 2 years worth of his GI BILL. After having my daughter my parents convinved me to move to GA with them to complete school. I realize that I am very grateful to have such a wonderful support system and I really want to take advantage of this. My question is should I continue working towards my pre-nursing AA degree and retake those classes I did poorly in then transfer to a univeristy? Or should I try getting into an LPN program than bridge my way to RN? Im only eligible for two years of free tution (GI BILL) which means if I re-do my two years at community college ill have to pay out off pocket of get a loan(I dont mind getting a loan) once I transfer to a university. With me being a single mother would which would be the better route? Im also having a hard time finding school here in ATL with and LPN program. I dont want my parents supporting me forever...Im 20 btw
Oct 8, '10
Take the loan out for the first two years at a cc if you plan on going right to a bsn and are transferring from a cc to a 4 year. Not sure about your rates, but my cc tuition is 100/hr while the 4yr I am transferring to is 450/hr. If I only had 2 years of gi bill it would make alot more sense to use it only at the 4yr ( 2 years cc loans: 60hrs • $100= $6000 (well within gov't loan limits), 2 years 4yr loan 60 hrs • $450= $27,000 => if you wait you will save $21,000, and that's before factoring in interest). After a very crude interest calc (@ 6%) the cc loans will cost you 80 a month for ten years with a total af about 7800 (1800 in interest) and the university loans will cost you 360 a month for ten years with a rough total of 35000 (14000 in interest). Using the gi bill for cc when you plan on transferring to a university for a bsn will cost you an extra $27,000.
Last edit by Student4_life on Oct 8, '10
: Reason: Added interest.