I have 60 grand of student loan when I finished BSN

Published

I had my ADN in 2014, then I went back to school two months later for BSN, now I just graduated from BSN, and the student loan I owe is little over 60 grand..Oh load. I had to pay over 600 a month for 10 payment. That seems a lot to me. Any suggestions? any programs that can reduce or forgive my loan? Thank you very much!

Specializes in LTC (LPN-RN).

@ calivianya,

What school did you attend? The cheapest BSN I found was 7K.

Up Vote Up Vote ×
Specializes in LTC (LPN-RN).
NurseNHowell It is uncommon to find a ASN for 65K. You went private. I am in NY and know about the states here. Same for TX. Very uncommon.
Up Vote Up Vote ×

You don't even have the associate degree completed yet? An associate degree is far cheaper than a BSN program, so you clearly can't coach the poster. I don't know where you live but for what the BSN degree costs and what is currently out there in pay is not matching. Now I can say that 8 years ago as a RN with an associate degree back then I was making double what I'm being paid right now. Just sayin' in response to ladeebug28

Up Vote Up Vote ×

Everyone's assumptions that the OP was too stupid to look into the educational options is just ridiculous and infuriating. Is everyone else completely ignoring the fact that the cost of an education varies greatly across our country and the impaction of the various nursing schools in each given area is greatly different!

Right now the tuition for that program is $12,717. There are cheaper ways of getting education if people would stop with the gotta have right now mentality...

...Now, does this help the PO any? No, it doesn't. But for everyone who's furthering their education, before you go and accumulate another 30,000+ in student loan, slow down and shop around. Sometimes doing things the old fashioned way will save you a lot of grief and money. When I'm finished with my BSN, I will have graduated with absolutely no student loan debt what so ever. People just really need to slow down some. This why these For-Profit schools have become so popular; fast track education with degrees that usually end being useless (depending on the degree).

Yeah that is not always the case whatsoever. You are completely assuming that your area's schooling is the same across the country which IT IS NOT, far from it.

I did my LVN since my RN pre-requisites were expiring. When I finally went to a private it was because I just had to redo my perquisites yet again and it wasn't even the second time. It took me 12 years to finally bite the bullet and do private school, which I did pick the cheapest one which still costs $65K for an ADN.

Slow down? What wait 25yrs instead of 12yrs? 12 years didn't save me anything, if you do the basic math it COST ME MONEY! Gotta have it right now? Yep that 12 years was instant!

You assume that everyone who has these high student loans is too stupid to have looked at all their options. It is completely asinine.

The education options and the volume of students attempting to attend completely varies even from one side of a state to the other side let alone across this huge country. Heck back home in Alaska there is TWO NURSING SCHOOLS!!!! Not just private vs public, only two schools! Yeah if I moved home before I did my RN then I would be even worse off. I heard they finally were getting ONE PRIVATE RN SCHOOL. So really the AK prospective nursing students aren't intelligent enough to look at all the options? Or they just want that instant quick fast track education? No! They want their RN finally and probably have been waiting forever to get into the only school around them.

Oh and lets not even go into the fact that the only two not for profit nursing schools are FIVE HOURS away from the each other so if someone doesn't get into one school they are screwed and not getting their RN unless they relocate which generally is not an option for many people given many need to live at home to be able to afford to go to school or live with their spouse and children. Or maybe their spouse can't find work in the one other city with a nursing program. But I guess if they just slow down some it'll happen

Up Vote Up Vote ×
NurseNHowell It is uncommon to find a ASN for 65K. You went private. I am in NY and know about the states here. Same for TX. Very uncommon.

Most of the private ADN/ASN schools phased out and went to BSN so there generally isn't many private options here unless you're willing to spend over $100K.

After 12yrs I finally did private. Most schools around here don't do a waitlist anymore and have you reapply every application period so your pre-requisites expire. Schools that waitlist your pre-reqs go based off when you applied. But I also lose points for having done my sciences repeatedly even though I aced them each time.

Up Vote Up Vote ×

Did I understand this right? For the associate degree Rn program, Pre req courses expire? What are the pre req s nowadays? Aren't they credited college courses anymore that stay on record? Thanks-

Up Vote Up Vote ×
Did I understand this right? For the associate degree Rn program, Pre req courses expire? What are the pre req s nowadays? Aren't they credited college courses anymore that stay on record? Thanks-

They do stay on your record but after 5yrs they want your sciences repeated since they are considered "outdated" but some schools if you did the sciences at their school they'll accept it for 7-10yrs.

Thats here in California

Up Vote Up Vote ×

Ok, thanks. California was a lengthy license process to get. They went through every class fingerprints and background with a fine tooth comb. I believe I waited 11 weeks to obtain that licenseí ½í¸Š

Up Vote Up Vote ×
Specializes in Mental Health, Gerontology, Palliative.
Did you get as good a deal on your nursing degree? =)

I got a great deal, $3000 for the entire BSN

Up Vote Up Vote ×
Specializes in ER.

Here in NY the only state schools with a BSN program have wait lists of at least 3 years. On Long Island there are only 2 community colleges but both only offer ADN programs which are basically useless on Long Island as no hospital I know of will even consider your application without a BSN.

That being said, the only BSN programs in the area run around $15,000 per semester for a total of $120,000 for 8 semesters/4 years.

Up Vote Up Vote ×

WOW.

My only suggestion is to look for an employer that will help you pay off the loan, or offers a sign on bonus to help you get going on a huge debt. COnsider relocating if necessary and good luck.

Up Vote Up Vote ×

Hello fellow Nurses,

I am looking for a little advise. I have considered going back to school to upgrade my ADN to a BSN but not sure if it is worth it at this time. I became an RN in 2008 and worked med-surg and on a pediatric neuro unit for almost 2 years but when I had my twins -twin boys that are turning 7 years old, I moved back to the city where my family was and started case management because there were no jobs at the time in the hospital. So I have been doing case management for about 6 years. Currently, I am in Utilization Review at an insurance company and the pay is good but it is 8-4:30 pm. Honestly by the time I get off work, get the twins from daycare and get home and attempt to make a decent meal I am VERY tired!!! I am a single parent. It seems like the market goes back and forth with hiring ADN's and not wanting to hire them and pushing ADN's to upgrade to BSN. I would like to make myself more marketable as eventually I would like to move out of state and not sure if I will have a problem because I only have an ADN. Is there a way to just take one class toward the BSN so I can at least be doing something toward that end goal? Or is it even worth it at all?

Up Vote Up Vote ×
+ Join the Discussion