Any loans/aid for adn when you already have a bachelors?

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Ive never had aid/loans and just paid with cash when i got a bachelors degree in business, but that was back in the day,,, now that I Know i need to get an adn-rn associates,, I can find anyone who will let me borrow the money or get aid because they say I have too many semesters under my belt.

Anyone found aid/loans for people in my situation? I thought about trying to apply for a home equity loan.

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I'm in the same situation as u but I exhausted all my TAP AND PELL. I paid a good amount of my subsidized loans prior to graduating with my BA so I qualified for a small subsidized loan for my Associates. Have you filled out your FAFSA yet?

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Specializes in Complex pedi to LTC/SA & now a manager.

Federal grants and subsidized loans are intended for first degree students and students advancing (someone with an associates continuing on for a bachelors, bachelors on to masters, etc. )

You can look into private and possibly unsubsidized loans. A number of years ago financial aid rules were changed as a result of perpetual students as well as a reduction in available funds. One is ineligible to even appeal once earning/attempting 150% of required credits for graduation. An associates degree is 60-64 credits so someone who earned more than 90-91 credits would be ineligible. A bachelors is about. 120 credits so that is approximately 200% of credits.

You can check your financial aid office for potential scholarships also.

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Specializes in Pediatrics, Women’s Health.

I had taken my gen ed requirements for my bachelor's at the community college where I ended up going for nursing after earning my bachelor's in sociology elsewhere. When I applied for aid, they told me I had too many credits from that school so I didn't qualify for anything. I ended up getting a private loan from my credit union, which has worked out very well for me.

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I was working towards my bachelor's in psychology but changed majors. I have a ton of credits because I was 4 classes away from my BA, but was able to get FA by appealing. At my school we were allowed 2 appeals.

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My school has a policy that you can get unsubsidized loans up to a certain amount for a second degree program. I had to take out a private loan to cover other expenses, but the federal loans I did qualify for covered most of my tuition.

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Are you applying to your community college, and they say you have too many credits from that community college? If so, that was the situation I was in, and when I moved, I found out that at my new community college, since I had zero credits at that school, I was eligible for unsubsidized loans (I'm not near the federal loan limit). If you are not at your undergrad federal loan limit ($57,500), then if you apply to a different community college, even if you pay the out of district tuition, you might qualify if you have the same issue I did. Or, you can just work and apply for scholarships b/c community college tuition is usually pretty reasonable.

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Not sure about your area but in FL I too had too many credits to get help from Pell or even loans but I found out that Workforce in my county (there is one in every county) will pay tuition and books for my RN program. It's such a blessing.

Call your county workforce ASAP and get signed up.

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I qualified for unsubsidized loans but turned them down and paid cash. Why take out loans if you don't have to, especially when you have to start repaying them immediately. I think it's unfair that those of us who have bachelor's degrees are not able to get subsidized loans or grants. I didn't use subsidized loans or grants the first time around. Why can't I have them now?

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