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BROKE but start AOBSN school in August.Help!!FL

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by Ms.White Ms.White (New Member) New Member

Ms.White specializes in HHA,Health Admin.

147 Visitors; 11 Posts

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Hi guys,Im Des,

I'm starting my accelerated nursing program in August, and I do not have a lot of debt.If anything I have 4,000 in CC and 5500 in student loans already.Which I am paying off.SuperSlowly. Like automatic payment slow.lol.I work as a home health aide and jobs are rare and scarce as of now and I tried to make ends meet by doing live-ins but even that field is getting competitive and I live paycheck to paycheck.I live home with my mom and sister and her 3kids.My mom pays for my living expense and I just pay for my phone,car,gas,food, and anything else.When I start school,it will be fulltime and there wont be any room to work.The total cost of attendance for my AOBSN is 25,000,which is like 4k to 5k a for the four semesters.I've been told to live off loans and do what I have to do.Im not sure if I'll get the total amount to cover classes and books for the semester so I have applied to sallie mae but I heard the school can limit the amount they give me.I hope I'll receive enough loans for school and books,but I have no idea where the money is going to come from for gas,food,and other expenses like uniform,clinicals and other inclass expenses.Are their loans for personal expenses?

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10,752 Visitors; 1,002 Posts

12 hours ago, Ms.White said:

Are their loans for personal expenses?

You can apply for private student loans if necessary.

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111 Visitors; 22 Posts

Yes you can take private loans for expenses beyond tuition. Make sure to look for fixed interest rate and try to get the lowest you can. Unfortunately, you will likely end up paying a large amount in interest before this is over.

Also, take a look at your spending and see if there is anywhere you could be making cuts. There are many valid reasons to have CC debt, but it is often a pitfall for people to spending money they don’t have. Consider living off of cash. I went to cash to help me limit spending while I save for school. Most of us are guilty of spending money we don’t need to.

and lastly, get yourself in the head space to be ready to aggressively pay down your debt when you graduate and start working. 

Good luck. Many people have had to borrow significantly more than you for their degree. 

Edited by Steris

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243 Visitors; 45 Posts

Look into scholarships as well! There are so many available online! Some of them don't even require that you write an essay or anything. Good luck!

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