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Calling all Associate's Degree Students that already have a Bachelor's degree!

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Hi all! I'm looking for students who have been accepted to an AAS program at a local community college. My problem is that I have been accepted to Southwest Tennessee Community College in Memphis, but since I already have a Bachelor's degree, I've been told by someone in financial aid that I can't get any student aid. I never took out any loans in the past, most of my Bachelor's degree was paid for by scholarship. Is anyone else having this problem? I can't believe that I'm the only one with a Bachelor's degree who is going for an Associate's in Nursing, especially considering that 75% of kids at my school are receiving aid. I thought that when starting my Associate's track I was considered undergraduate again? Can anyone help??! thank you!!

From my understanding, you are not eligible for grants but you would be eligible for loans. So I'd do your FAFSA and see what happens.

2ndyearstudent, CNA

Specializes in CNA.

Hi all! I'm looking for students who have been accepted to an AAS program at a local community college. My problem is that I have been accepted to Southwest Tennessee Community College in Memphis, but since I already have a Bachelor's degree, I've been told by someone in financial aid that I can't get any student aid.

I am in the same boat. I have a Bachelors of Science in Engineering and am going to graduate with an ASN on May 16.

I was always auto rejected for any student aid due to the number of undergrad credits I already have and I had to fill out waiver forms just to get Federal Student Loans - which I did get after filing the requisite paperwork.

I also found that the people reviewing scholarships don't have much love for a middle aged male ex-engineer no matter my GPA, honors, or volunteering activities.

I'm glad my future employers will be paying for my BSN education!

Good luck. Those loans are bearing down on me fast.

Edited by 2ndyearstudent
typo

I already had a BA when I applied to my local CC. I was not eligible for any financial aid, they even told me when I turned in the application "don't bother applying for aid, you can't get anything". Well I'd saved money for years, and that's what I paid for the degree with. My advise to any second degree students is that unless you want to be hassled by collections companies for the next few decades, avoid loans at all costs. Just save and pay for it, or see if you have a relative who will front you the money.

sandyfeet

Specializes in Emergency Nursing. Has 5 years experience.

I have a Bachelors and am one year into an ADN program. I was not eligible for any grants but was able to take out loans. I have to fill out a waiver explaining why I am still going to school after completing so many credits, but I always am eligible for loans. Perhaps it is on a school-by-school or state-by-state basis, but in my case your financial aid officer was completely wrong.

hey guys thanks very much!

where did you sign the waiver form? was it at your school or through the gov't, etc?

Yeah my school is weird, I submitted my fafsa and everything, they said it looks good, then I called them when I didn't hear anything back, and someone just told me I wasn't eligible for any type of aid because I had a degree already. I find it sooo hard to believe!

thanks again

btw I did hear about the fact that I wouldn't be eligible for grants, but I've tried to apply for loans through Sallie Mae, Chase, and Citibank and my school doesn't come up on their list of participators. Are any of you specifically going to Southwest TCC in memphis by any chance?

sandyfeet

Specializes in Emergency Nursing. Has 5 years experience.

hey guys thanks very much!

where did you sign the waiver form? was it at your school or through the gov't, etc?

Yeah my school is weird, I submitted my fafsa and everything, they said it looks good, then I called them when I didn't hear anything back, and someone just told me I wasn't eligible for any type of aid because I had a degree already. I find it sooo hard to believe!

thanks again

The waiver was though my school's financial aid office (in CA). I just did my FAFSA as usual and then followed up with my school. Let me just say, financial aid was one of the biggest nightmares about this program, not because of my BA but because of their poor communication! I had to go into the office several times before I had all of the right forms filled out because each time there was suddenly something new that was holding up my application! So keep pressing them and don't give up because sometimes you will get different answers from the same office!

You will have to fill out an "hours waiver" which you get from your FA office at the school. Usually it has to go before a board to get approved. This is the same nightmare I went through while taking my pre-reqs at a local CC. IT WAS AWFUL and they somehow never covered the cost of the classes. Once I transfered to the university I'm at now (it's an ADN program) I've had enough to cover the costs and then some. CC's just blow when it comes to FA. Good luck. You will have to jump through multiple flaming hoops before you get your loan. Also I suggest asking to speak to the supervisor or manager. A lot of times the people sitting at the front desk don't have all the correct information.

I have a Bachelor's and am about to graduate with an Associate's in nursing. I wasn't eligible for any grants but was able to get loans after filling out my FAFSA. If you have a low enough income, you might be eligible for help through your state. I got help through my state's workforce program.

In CA, you can fill out a BOGW. This waiver covers the cost of tuition.

akulahawkRN, ADN, RN, EMT-P

Specializes in Emergency Department. Has 5 years experience.

The California BOGW does cover enrollment/tuition fees. Even if you have a Bachelor's Degree, you may still qualify for the waiver. It's worth at least applying for it...

I have to pay cash, 4 payments per semester. I'm just working as much as possible, but its hard because that is still only part time.

NurseNotRatched, ADN, BSN, CNA

Specializes in Substance Abuse, Mental Health. Has 6 years experience.

i was in your shoes! listen! i'm 1/2 finished w/ an adn program and i have a b.a. i earned in 2005. i was denied financial aid after i had completed the fafsa and fin. aid application. i anticipated this though and worked out a payment plan with the business office but all the while i was looking left and right for scholarship opportunities that would be open to me. one month, it was going to be really really hard making the payment and i pleaded with the financial aid office for any help and they did! i was eligible for $1,200 that they deposited that day ($600 for fall and $600 for spring)! then i found out the nursing faculty nominated me for a full scholarship through my school's foundation. i received the money a couple of months into the semester but it was awesome. any money i had paid toward my books and tuition was reimbursed back to me and then some. so as it turns out, i didn't receive any federal aid but i was still eligible for private scholarships and funds. please look into any and all possible sources. most schools have some kind of foundation office where people give back to the school to help students financially outside of the usual financial aid. also, check the college foundation for your state. mine has a scholarship-loan program that will give you money for nursing school as long as you commit to work in the state for at least a year.

i have a bachelors and was allowed to get a federal loan one semester, then cut off the next semester because i had too many credits. i tried to appeal to no avail. since i had taken an extra chemistry class that was not part of my program but needed for the rn to msn program i wanted to apply to, i went beyond some irreparable credit cap that cut me off.

that was for an associates in nursing, by the way. so my advice to you is be careful with extra classes if you have a bachelors and are getting loans for your associates in nursing! there are some funky financial aid rules out there! :-( i was aware i wouldn't qualify for grants, and rightly so, but not sure why i couldn't get loans anymore even though i was well below the maximum loan amount for that level.

Stephalump

Specializes in Forensic Psych. Has 2 years experience.

that was for an associates in nursing, by the way. so my advice to you is be careful with extra classes if you have a bachelors and are getting loans for your associates in nursing! there are some funky financial aid rules out there! :-( i was aware i wouldn't qualify for grants, and rightly so, but not sure why i couldn't get loans anymore even though i was well below the maximum loan amount for that level.

You cannot get ANY financial aid after you reach 150% of the required hours for your degree program, including loans So after 90-ish hours at a community college, you're cut off. Sometimes schools don't catch it or enforce the rules, but if they DO catch it or suddenly start cracking down, they can take it away without any notice.

Sometimes appeals works and sometimes not, but when they do go through, you aren't allowed to take any classes outside of your degree plan.

So, yes, people with a lot of credit hours need to be careful taking extra classes. And those who are over maximum time frame and still receiving aid need to have a financial back up plan in class their luck runs out!