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ok, i am 26 years old... been married for nearly 6 years & have a 20 month old son. 6 years ago i was accepted into a lpn program, but suddenly had to move to ohio (yuk!) so i could not attend the program. since then i have worked full time as a customer service manager at 2 different stores and have researched nursing school here in ohio, but had no support from the family here (my husband's family, mine are in another state).
we had our son in may, 2007 & i have to say he is the absolute best thing that has ever happened to me! i love my husband, and my son... more than anything! since then, we decided i would be a stay at home mom & care for our son full time. i have never objected... i love my life.
i did attempt to apply about a year ago for another lpn program, but because of lots of different factors (especially the lack of support from the in-laws) i quit thinking of it.
now - we live in a different area and are finally our own family! because of some recent financial issues (my husband was laid off in sep, worked in houston after hurricane ike, and is back as of thanksgiving) i decided now is the best time to finally go and get my lpn! lots of reasons... i have been trying to do this for more than 6 years... and should my husband be laid off again i can pick up shifts and make the same income level we need that he makes. (he is a lineman)
so, i applied and was accepted to brown mackie college to the pn program. i took the asset test & passed with flying colors (i was nervous about it!). and applied for financial aid. i was elegible for a small pell grant and a small amount of stafford loans. however it is not enough to cover it all (obviously)! we absolutely can not afford any more monthly payments right now. we have downsized as much as we can.
i am married, white and 26... there is nothing out there for me! it is so sad that if i were a single mom - i'd get my school all paid for, but because my husband and i value our marriage and refuse to leech off the government, there is nothing out there for me that i can find.
sorry, i don't mean to rant... i am just very frustrated! i am supposed to start on feb 2nd, but can't unless i can find additional funding!
ok... my question to you... does anyone know of one of three things... 1- a scholarship for nursing students - lpn program - and it doesn't matter if i'm married! 2- a grant 3- a guranteed approval student or personal loan... (we are obviously over extended right now and do not qualify for the sallie mae or chase private loan, with a mortgage, car pmt, cc pmts etc...)
i would more than appreciate any and all feedback. i am so very frustrated about all of this! i want to be a nurse so very much. it will allow me to truly help people, allow me to work part time and still be a full time mom & i'll make more than with a stupid retail job! i was in tears this evening i'm so aggrivated with all of this!
thanks so much!!! god bless you all!
" That still leaves me about $3500 short... just to START classes..."
Sounds like you have a lot of restrictions/conditions on your attending school. Is there a reason you HAVE to go full time? I don't know anything about your college, so forgive me if I'm missing something....
It isn't an easy road no matter what - been there done that....but you really have to decide what you can do when....loans ARE NOT the answer as you said you had learned your lesson earlier on....
I just hate it when schools pressure young people into loans they can't pay for, programs they can't attend because of child care issues, etc in the name of profit. Don't EVER forget that these schools have ZERO interest in you - they are in it to make money - period, end of story.
I made it through school when unemployed with no help from anyone (husband, family, etc) - the scholarship money is out there - BELIEVE ME - the first, second and third answer to money questions from the schools perspective is ALWAYS loans, loans, loans - anything that will make them money.
I don't understand why there is no payment plan in place at your college - most schools have payment plans for tuition that aren't the same as a "loan"....there are restrictions on that too, but it's better than getting roped into a grossly overpriced loan that you may not be able to pay for even after you graduate - life happens....
If it were me (and it was many moons ago) - find a school where you can do your prereqs part time - NEVER pay for an ENTIRE program up front - they make the most money from that - read the fine print - they talk you into paying for your ENTIRE program up front (in the form of loans or otherwise) - then if you don't finish or adhere to some other obscure rule, you're going to forfeit all or most of your rights to attend school and still have to pay for it at the end of the day....
Find another school preferrably a community college that is county funded - where the tuition is LOW - take the "reading, writing, arithmetic" classes one or two at a time and test out of what you can....if you're only looking for trade/tech schools where you have to take the "whole" program and can't take what you want when you want, then run away screaming.....a good eye opener for you is take the total amount of hours that you get in CLASSROOM, divide it by the total tuition...you'll be shocked.....as you should be......and you'll have an LPN license when it's all over, but will you also have a degree also in case you want to further your career? Probably not - that's what I have against the tech schools - if you want to go further with your "trade" and get a degree, you'll have to start from square one, because unfortunately the LPN license doesn't transfer any of the general education credits - so you have to "start over" with the "reading, writing, rithmetic" - that's more money and more time that you're spending on something other than your RN.....if I were you, I would RUN to the nearest community college were tuition is way less than $100 per credit hour, you get a degree with your LPN or RN and you have A LOT more options....you can take classes one at a time if you have to financially - pay $100-200 per class and keep on pluggin' at YOUR financial pace with no penalty if you have to skip a quarter/semester for whatever reason - community colleges also have A LOT - A TON more scholarship/grant options that the typical trade/tech school does - mostly because most community colleges are "community" based which ='s community $$.....
I came out with an Associate's in Applied Science - all 100% transferable to any 4 yr university/college (meaning less money and time for the next degree) a license/certification as a Surgical Tech and I paid less than $400 TOTAL for the 2.5 yrs I was there....I didn't have a magic bullet, nor did I get Pell for more than 3 qtrs....I kept applying for the institutional scholarships - $400-600 per quarter (which paid for tuition), NEVER bought a book at the bookstore - only bought (and sold) on Amazon or Ebay, and visited the FinAid office AT LEAST once a week to find out if there were any unpublished/private scholarships or grants available (there are a lot of those - you have to ask, they aren't publicized)....
I'm back in the same community college getting my RN - the difference is I have ZERO prereq or reading, writing, rithmetic classes to take - only the Nursing program courses.....again - less time, (I'll be done in a year) A LOT less money - I will have a second Associates with an RN license - everything again will be totally transferrable to the 4 yr university that offers a RN-BSN program - again - only the BSN courses - less than HALF the time and less than HALF the money.....
This getting the scholarships/grants one quarter at a time isn't for the unmotivated - you have to be willing to spend time in the fin aid office and spend time writing thoughtful statement letters (3 or 4 paragraphs) - but it's there - the "free" money - LOTS of it - but you have to be willing to work for it - you have to go to class, you have to do well (not 4.0, but it doesn't hurt) and you have to choose and schedule your time wisely - don't let people talk you into classes you don't need - follow the REQUIRED cirriculum and take ONLY those classes you MUST have - community colleges aren't immune from the money game - they're in it for the money too - they like to prey on young kids and tell them they "should" or "must" take a class/es that aren't required....simple rule of thumb - if it isn't on the cirriculum for the program, don't take it - if someone pressures you, stand firm and demand to see where it says you HAVE to have that class.....
My last concern is you stated you don't wish to put your child in daycare for 8 hrs a day while you go to school - WHEN you get your LPN or RN - do you plan on working part-time? Just asking - time away from your kid(s) is time away from your kid(s) - doesn't matter to them whether it's work or school.....you have to really want this - it's not about the money - it really isn't.....the money is there - you have to be willing to do what it takes to get it.....
Good luck - and stick with it - you'll get there - get away from tech/trade schools if you can - if you're going to spend all that money and time, you should get more than a license to do ONE thing from it - ALWAYS keep your options many and open...
I'll be honest, everyone has to make their own decisions, but I personally would not spend that kind of money on LPN school. I just wouldn't. RN school...maybe, if it was the only local choice, but not LPN school.
Only because if you ever want to become an RN, you'll have loans on top of loans.
I believe that a lof of nursing students had sacraficed a lot in order to go to school and become a nurse. If you really want to be a nurse, you'll have to sacrafice a few things in order to be success. You should sacrafice being a stay home mom for awhile and get a full time or part time job to support your school. I know you feel guilty about not having enough time with your son, but think about what being a nurse means for your family's future.
As for me, I have 3 children ages 5 and younger. I go to school and work fulltime. I try to spend as much time as possible with them and things are going fine so far. I only have 2.5 years left for my BSN so I'm half way there. I know that I am doing something that will be a great asset to my family. Once I'm a nurse, I can provide more for my family and do not have to worry about being laid off.
Nursing school is not an easy process, so if you really want to be a nurse, you'll have to do what's best for you to succeed in nursing school. Good luck!
" that still leaves me about $3500 short... just to start classes..."sounds like you have a lot of restrictions/conditions on your attending school. is there a reason you have to go full time? i don't know anything about your college, so forgive me if i'm missing something....
i would like to go full time to be done, the least amount of time spent away from home.
it isn't an easy road no matter what - been there done that....but you really have to decide what you can do when....loans are not the answer as you said you had learned your lesson earlier on....
i just hate it when schools pressure young people into loans they can't pay for, programs they can't attend because of child care issues, etc in the name of profit. don't ever forget that these schools have zero interest in you - they are in it to make money - period, end of story.
i agree... loans are not the option. i also hate it when schools try to put unrealistic loans on students. i learned that lesson the hard way! it's been 7 years since i was in college last and i'm closer to 30 than 20 now.
in a conversation i had today with a very informative woman, i am very quickly learning that my particular choice of school is in it just for the money made from my attendance!
i made it through school when unemployed with no help from anyone (husband, family, etc) - the scholarship money is out there - believe me - the first, second and third answer to money questions from the schools perspective is always loans, loans, loans - anything that will make them money.
i have just recently learned of a local scholarship - that's my best bet right now!
i don't understand why there is no payment plan in place at your college - most schools have payment plans for tuition that aren't the same as a "loan"....there are restrictions on that too, but it's better than getting roped into a grossly overpriced loan that you may not be able to pay for even after you graduate - life happens....
there is a payment plan they have set up for me. it is nearly $300 per month! with zero income right now, how do they expect us to pay them that unrealistic amount?? the kicker is that you have to make your first payment before attending classes!
if it were me (and it was many moons ago) - find a school where you can do your prereqs part time - never pay for an entire program up front - they make the most money from that - read the fine print - they talk you into paying for your entire program up front (in the form of loans or otherwise) - then if you don't finish or adhere to some other obscure rule, you're going to forfeit all or most of your rights to attend school and still have to pay for it at the end of the day....
good news, with the standard lpn program there are no prereqs... at least with the ones i have researched here in ohio and in kentucky. the classes (maths & anatomys) are all intrigued into the applied nursing curriculum. and believe me - i would not pay for the entire program up front. this particular lpn program (15 months) is about $24,000. i just found 2 other programs to look at today that are less than half of that cost.
find another school preferrably a community college that is county funded - where the tuition is low - take the "reading, writing, arithmetic" classes one or two at a time and test out of what you can....if you're only looking for trade/tech schools where you have to take the "whole" program and can't take what you want when you want, then run away screaming.....a good eye opener for you is take the total amount of hours that you get in classroom, divide it by the total tuition...you'll be shocked.....as you should be......and you'll have an lpn license when it's all over, but will you also have a degree also in case you want to further your career?
the programs i am looking at all can be used to go from lpn to rn in a bridge program. one of the schools even is partnered with one of the universities in my county. it wouldn't be but another class or two for my associates degree.
probably not - that's what i have against the tech schools - if you want to go further with your "trade" and get a degree, you'll have to start from square one, because unfortunately the lpn license doesn't transfer any of the general education credits - so you have to "start over" with the "reading, writing, rithmetic" - that's more money and more time that you're spending on something other than your rn.....if i were you, i would run to the nearest community college were tuition is way less than $100 per credit hour, you get a degree with your lpn or rn and you have a lot more options....you can take classes one at a time if you have to financially - pay $100-200 per class and keep on pluggin' at your financial pace with no penalty if you have to skip a quarter/semester for whatever reason - community colleges also have a lot - a ton more scholarship/grant options that the typical trade/tech school does - mostly because most community colleges are "community" based which ='s community $$.....
i came out with an associate's in applied science - all 100% transferable to any 4 yr university/college (meaning less money and time for the next degree) a license/certification as a surgical tech and i paid less than $400 total for the 2.5 yrs i was there....i didn't have a magic bullet, nor did i get pell for more than 3 qtrs....i kept applying for the institutional scholarships - $400-600 per quarter (which paid for tuition), never bought a book at the bookstore - only bought (and sold) on amazon or ebay, and visited the finaid office at least once a week to find out if there were any unpublished/private scholarships or grants available (there are a lot of those - you have to ask, they aren't publicized)....
oh believe me - i have a copy of the book list & already have done my research on ebay. i do alot of selling/buying on ebay. i would also like to get the nurse kit & scrubs from there!!!
i'm back in the same community college getting my rn - the difference is i have zero prereq or reading, writing, rithmetic classes to take - only the nursing program courses.....again - less time, (i'll be done in a year) a lot less money - i will have a second associates with an rn license - everything again will be totally transferrable to the 4 yr university that offers a rn-bsn program - again - only the bsn courses - less than half the time and less than half the money.....
i plan to do alot of the bridge work online also...
this getting the scholarships/grants one quarter at a time isn't for the unmotivated - you have to be willing to spend time in the fin aid office and spend time writing thoughtful statement letters (3 or 4 paragraphs) - but it's there - the "free" money - lots of it - but you have to be willing to work for it - you have to go to class, you have to do well (not 4.0, but it doesn't hurt) and you have to choose and schedule your time wisely - don't let people talk you into classes you don't need - follow the required cirriculum and take only those classes you must have - community colleges aren't immune from the money game - they're in it for the money too - they like to prey on young kids and tell them they "should" or "must" take a class/es that aren't required....simple rule of thumb - if it isn't on the cirriculum for the program, don't take it - if someone pressures you, stand firm and demand to see where it says you have to have that class.....
i agree... i am all about spending the time necessary to find the 'free' money that is out there! bring it on... and plan on doing very well in classes.
my last concern is you stated you don't wish to put your child in daycare for 8 hrs a day while you go to school - when you get your lpn or rn - do you plan on working part-time? just asking - time away from your kid(s) is time away from your kid(s) - doesn't matter to them whether it's work or school.....you have to really want this - it's not about the money - it really isn't.....the money is there - you have to be willing to do what it takes to get it.....
it is more about my desire to serve, as a nurse. my family is never going to be compromised. i will not put my son in daycare - nothing against anyone who use daycare... i believe there are alot of good ones out there! it's just a personal decision my husband & i have made. i grew up in daycare, don't want to do that to my children. child care is not a huge concern at the moment. i think we have a private person who we know and trust, to care for him when i can't. and yes... i do plan to work part time after i get my lpn - but will either have our person or hubby will be home.
good luck - and stick with it - you'll get there - get away from tech/trade schools if you can - if you're going to spend all that money and time, you should get more than a license to do one thing from it - always keep your options many and open...
i can't thank you enough for input! all of it will be considered & is appreciated. you have defenately given me alot to think about.
i believe that a lof of nursing students had sacraficed a lot in order to go to school and become a nurse. if you really want to be a nurse, you'll have to sacrafice a few things in order to be success. you should sacrafice being a stay home mom for awhile and get a full time or part time job to support your school. i know you feel guilty about not having enough time with your son, but think about what being a nurse means for your family's future.i agree... sacrafice is necessary. however, the sacrafice of my child is not an option. i know i will be in school and away from him, but plan to be home the majority of the time after i obtain my lpn. it isn't so much the guilt... and i know it is securing our future... but that is not my main reason for going to school. it is my desire to serve - as a nurse, to have something to do outside the home that is a passion of mine and to bring in a little income while doing it.
as for me, i have 3 children ages 5 and younger. i go to school and work fulltime. i try to spend as much time as possible with them and things are going fine so far. i only have 2.5 years left for my bsn so i'm half way there. i know that i am doing something that will be a great asset to my family. once i'm a nurse, i can provide more for my family and do not have to worry about being laid off.
nursing school is not an easy process, so if you really want to be a nurse, you'll have to do what's best for you to succeed in nursing school. good luck!
you are doing great! i couldn't imagine going to school and working full time while being a mother. you are awesome! (i really mean that - absolutely not being fecious) i'm greatful to my wonderful husband that i don't have to work at all... and don't have to work while in school.
i do understand that nursing school is not an easy process. i have several friends and a sister who are nurses. i do really want to be a nurse, but will not sacrafice my family.
thanks so much. i appreciate your input & ideas. god bless!
sorry, did not read all of the posts, but couldn't you take out a low interest loan from your bank to cover the costs??? it would be worth a little interest for what you could be earning later on...
thanks for the suggestion. my bank is chase - one of the largest in the country. we are in very good standing with them including our mortgage and did already try for a personal loan and the student loan they offer. they denied us - credit standards are way more strict than they have ever been. ggrrrr!!!
I would really check out the WIA suggestion, I used WIA as well they paid for everything including my boards and they give you a small stipend When I used WIA the stipend was $2.00 for every hour you are in class, I know not every much but it did help. Sometimes that money was gas money, sometimes bill money, or grocery money. Incidentally I am married and still qualified for WIA my husband had just gotten out of the military and was not working at the time, I had just been laid off from work also unfortunate for us but It did get me WIA. Just a P.S. NURSING SCHOOL is like a full time job even if you go part time. It takes a lot of dedication and your family will sacrifice your time until you finish. Best of luck to you.
i would really check out the wia suggestion, i used wia as well they paid for everything including my boards and they give you a small stipend when i used wia the stipend was $2.00 for every hour you are in class, i know not every much but it did help. sometimes that money was gas money, sometimes bill money, or grocery money. incidentally i am married and still qualified for wia my husband had just gotten out of the military and was not working at the time, i had just been laid off from work also unfortunate for us but it did get me wia. just a p.s. nursing school is like a full time job even if you go part time. it takes a lot of dedication and your family will sacrifice your time until you finish. best of luck to you.
i appreciate that. i had a conversation with a woman today who works with the wia. i am so very excited as she gave me some other school options also. i thoought i had exhausted all of the school options in my area, guess not!
if you don't mind... what all is involved in getting the wia scholarship? i know it is income based... but what other stipulations are there? what else is required? what should i know, or prepare for?
believe me - i know that it is a full time job in itself to go to nursing school... i am prepared for that, luckily i think i'll be able to leave my son in my home with my friend privately. my husband and i both have the dedication and are prepared for the sacrafice. thank you!! i'm so excited!
Hi. There is a scholarship website you can go to and everyone qualifies for something. It lists all scholarships that are available, their requirements and you apply to those that you qualify for. Its fastweb.com. I know some people who have applied to these scholarships and have received them. I applied for some as a pre-nursing student and now that I am an actual nursing student more opportunities for scholarships are out there. You just have to research the website and find what suits you. It's all FREE MONEY that so many people never go and get. Check it out and see what you can find. Good luck!
When I applied I had to take a basic reading, math comprehension test and fill out a worksheet to show financial need, and a short essay stating why I wanted to go to nursing school. that was it for me. I dont know if it is different from state to state. I am excited for you. also you may want to check with other schools in the area to see if there are LPN programs that are only 1yr. If you have the time to devote I would go for the 2 year RN. Nothing wrong with being an LPN, I am one myself and love it, but to have more career options that include time you may have to spend away from home I would really look at the RN program. You may be able to work less time, still make decent money, and have more choices of where you want to work. Nursing is a wonderful career choice.... for me there is nothing better than what I do daily.... I hope ou will enjoy it as much as I do.
"good news, with the standard lpn program there are no prereqs... at least with the ones i have researched here in ohio and in kentucky. the classes (maths & anatomys) are all intrigued into the applied nursing curriculum. and believe me - i would not pay for the entire program up front. this particular lpn program (15 months) is about $24,000. i just found 2 other programs to look at today that are less than half of that cost."
ok - a couple of things...."no prereq's" and the "math/anatomys" integrated into the "applied" nursing curriculum"....know what that means?? it means if you go on to the rn, the bridge programs you spoke about you won't be qualified for because you won't have the qualified college standard english, math, and sciences (anat/phys or not) "applied" means experience based, not academically based. nothing wrong with that - i have quite a few "applied" courses myself, but you also have to have the us college accepted standard for eng, math, sci, etc. for it to count at any other educational institution....
and $24,000?!?!?!?!?!?!?!? for 15 mos?!?!?!?!?!? this is exactly what i was talking about.....do the math!! 24,000/15=$1600 per month!! ok - let's do some rounding off here - an average quarter at an average community college = 3 mos....using your school's numbers, that would equal $4800 per quarter....let's also say that you're going full time - that's 12 credits per quarter.....know what that equals??? $400 per credit hour - if you attend the local university/community college at the rates you have been quoted - and let's just say you didn't need any extra/remedial/developmental classes and you finished the adn program at exactly what the program requires - 108 total credit hours to get an associates as well as an rn - you would have paid --- ya ready??? $43,200.00 - i think somewhere you say you're in ohio....so am i.....know what the average cost for the aas + rn program total is? $4,860.00 - don't know about you - but given the choice, i would take the community college, get a degree and double the license (lpn vs. rn) and pay $38,340.00 less...............
yes books and nursing "trinkets" (i.e. stethoscope, shoes, uniforms, etc) are of additional cost, but it ain't no $38,000!!!!!!!!!! and there are lots and lots of ways around the "advertised" price for all that as you said about books on ebay.....
basically what you are paying per quarter at the tech lpn school is nearly what you would pay for the entire program plus getting an rn, plus getting a degree - niether of which the lpn was offering....
about wia - i can't remember all the circumstances you stated you were in - but i went through wia too - they are in bed with the tech schools - they push for certificate programs that cost triple what a 2 yr college and some 4 yr colleges do - you end up with just that - a certificate and nothing else....the other glaring thing is w.i.a. stands for workforce investment act. it is for displaced (i.e. laid off, plant shutdown, etc) workers - maybe you said it, were you laid off/lose your job somehow? the wia program in my area was/is so bad that i was put off enough to go through all the channels and ended up speaking with the director of the program in columbus - they treated me horribly, refused to consider to pay a 1/3 of what they were pushing on me at the community college, etc. etc. etc.......it was so bad the director offered to send me to the local university (4 yr) at their cost.....unfortunately i gave up by then, started working 2 jobs and was already half way thru the surg tech program.....my point is, don't expect more from wia - if you qualify, you will be pushed into a certificate program - and if what you say is true (you want to give back and be an rn eventually) - i think i and everyone else has illustrated that a hard, fast, unecessarily expensive program isn't the way to go......
maybe you can take a step back, slow down, and do the math......if you don't and end up in the eveyln wood speed lpn program, i think you'll be in big debt, find yourself in a program that will demand that you spend 10-12 hrs a day in class/clinicals/lab "or else" they'll take away the program and make you pay for it anyway....most of those schools depend upon that and it is a huge part of their profit - drop outs - and typically it doesn't matter why you drop out - they are going to take your money, kick you out of the program and worse, you signed a contract saying you agreed....you may find yourself in a program that they make impossible to keep up with even if you were living at home with mommy and daddy with nothing else to do........
i say find that local community college that offers real degrees, has child care options (mine does) and their livlihood doesn't depend upon fast certificate programs.....i think you'll find you'll get a better education, end up with triple the options when you're done and not have to feel like you have to keep up with an unreasonable schedule "or else." you're going to save a ton of money and be a better nurse in the long run....
last thing about tech/trade schools (can you tell i'm not a fan of them yet? ).......as i said, i finished school once with an associate's and a surg tech certification/license.....do you know that 2 local tech/trade schools wanted to hire 3 of us to teach the surg tech program?????? talk about are you kidding me?!?!?
yes, the 3 of us approached were the top 3 grade wise in the class - but that didn't give us enough o.r. experience/knowledge to teach classes on it!!!!
how would you feel if you took the trade/tech school route, were pushed beyond any reasonable bounds (12-16 hrs a day required "or else"), paying $400 per hour and found out that your "professor's" ink wasn't dry yet on their associates degree dipolma and they had a year maybe two professional experience??
granted, i feel good about my skills and education and feel competent in the o.r. however - that doesn't make me qualified to teach - that should be a crime!!!! believe me - maybe that's the other questions you should start asking at the lpn school - if they're ligit, they shouldn't be offended at all when you ask to see the creditials of the teaching staff.....it's a totally reasonable question to ask!!
give it some thought - check out the local colleges and universities before you sign some contract with a tech/trade school - and do the math!!
good luck......sorry i'm on such a rant - i just had to get my niece out of a situation like this.....it's such a scam i can't even tell you......notice how many nursing schools have popped up in the last 4 yrs or so??? my area alone went from 2 nursing programs at colleges/universities to 12 nursing/allied health "colleges" trade/tech schools....all in the last 3 yrs.....2 were just shut down because it was discovered that they weren't certified by anyone....so 400-500 innocent kids that are in deep debt are now being told their "certificates"/"licenses" aren't valid......
stay away from tech/trade schools!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!:no:
:no:
good luck!
RutterMama
85 Posts
i certainly will go back to my fin aid officer & see what they can do! thanks!! it's good to know that there are options out there!