I'm afraid that I will never become a nurse and be stuck with 11k in loans

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I'm afraid that I won't become a nurse because my mother refuses to co-sign on any loans for me. I know her and she would rather pay for something she can't afford.

Like she's about to go on Maternity Leave as a single mom and she's paying for my summer classes, my car maintenance, phone bill, and some times gas money if I dont have it. Plus she's saving $500 a week, and pay the

I will be applying for the nursing program very soon this Fall but I know that I probably won't end up going as I have to pay rent for housing (there's no dorms) and plus the 7,000 a semester. Which I need a loan. I tried talking my mother into co-signing before but she's really pessimistic and belives that it will garnish her wages. But I already have 11k in student loans with the goal of becoming a nurse (which my mothers knows this and supports me) but I just wish that she could just lower her views for once and help me out.

So I'm thinking that I should just apply for the program, put the deposit down for an apartment and just play as I go and hope that mother would be just a little sympathetic to my plight and co-sign a loan for me.

When I told my mother that my apartment will cost $400 a month her eyes bugged out and I knew that she was calculating all those months into her head of how much she gone have to pay for me. But she wouldn't have do that if she just co-sign for me.

I'm not really sure where I'm going with this post so I'll just ask a question: How can I talk my mother into co-signing for me?

Sorry if your eyes hurt from reading all of this bad grammer. But the text box won't get any bigger since I'm on my phone and I don't really know how to work Allnurses. I used to post on Reddit until I heard about this site.

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Specializes in Short Term/Skilled.

Technical colleges have MUCH lower tuition, and federal loans are available for all whose income qualifies based on FASFA. IF your mom makes too much money and you're under 24 you may not qualify but it's worth a chat with your FA office.

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She makes too much money but I use my father's information since he is disabled. But I will still need a loan for the summer semesters, living expenses, and maybe a new cheap car (1500) to get me to clinicals as my car has a new problem every week and is really expensive to get fixed.

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Specializes in NICU, Trauma, Oncology.

I don't think you need a consigner for federal loans. Unless that's changed over the years.

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I have 11k in federal loans. I just need my mom to cosign on private loans. My plan is to have my dad do the parent plus loans if he has bad credit so he can get denied and I get my student loans in my own name. But who knows. I work at subway but I get paid like $170 every two weeks which sucks sooo bad. I'm hoping to get work study at my university for the next school year which I was offered $2500 a semester and I could save that for nursing school.

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Specializes in ER/Tele, Med-Surg, Faculty, Urgent Care.

Let's get some more information. Are you over 21? Are you working 20 hours per week? If not you need to work more hours. You say you bring home $170 every 2 weeks. How you accrued 11K in student loans before you even start is concerning. Are you attending the most economical school available to you? Locally the community college charges about $700 per semester, the state university about $3,000 per semester for tuition. Your mom is a truck driver? (Semi payment). If she is smart, she will not co-sign for you because if you default on your loans, she will have to pay them. Looks like she is providing for: Herself (1), new baby(2) you (3), 3 siblings (6) & uncle (7) a total of 7 people!!!!! Sounds like she is going overboard already. The reality is that there are nursing programs of various prices.

Are you sharing an apartment? the $400 is rent only? What about food? utilities?

What is your plan B? if your mom will not cosign? Do you have one? You may need to postpone nursing school until you can save up or figure out Plan C.

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Sorry. I'm 18 and I will be turning 19 on August 17.

I'm a sophomore in college and I go to the cheapest university in my state that cost 4,000 per semester and I live at home. I work at Subway and I attended summer school so that's why I don't get that many hours. I worked 10 hours this week. And I know my mom has to provide for a lot of us and she's very stressed. That's the reason I wanted to become a nurse and not a doctor so I can help her with bills one day and my siblings. I'm the only one of my family who is inc college and I will earn the first bachelors degree in my entire family.

The reason I don't attend CC is because my university is 10 min (5 min by car) away from me and it was convenient to take the bus there when I had no car and my mother came home 1 night per week. While my CC is 22 mins away (1 and 30 min by bus) and it gets very bad here in the winter. I wanted to rent out a room for $200 but my mom said no find an apartment.

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Your mom sounds like all her funds are strapped with all those mouths she has to feed! Give your mom a break. You should focus on finding the cheapest program available in your area and work a part-time job (or full-time if you can wing it) and pay for school yourself.

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Your mom sounds like all her funds are strapped with all those mouths she has to feed! Give your mom a break. You should focus on finding the cheapest program available in your area and work a part-time job (or full-time if you can wing it) and pay for school yourself.

My goal is to save at least 6,000 by next summer. So I can pay for my own apartment.

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Have you ever thought about taking a CNA course while you're saving up for nursing school? Working as a CNA will bring in solid money, give you lots of experience working with patients, and help you save money for your RN courses. Just a thought.

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I tried being a CNA since I was 16. But it will be another thing I would have to pay for. It cost about a 1,000. I could forgo using my school refund on my apartment and pay for the CNA class or I could do it for free at Job Corps. Which I don't think is too bad. So do you recommend that I should become a CNA and just take a year off from school and work as a CNA?

The only downfall about that is my mother is sacrificing a lot to put me through college and I believe she may think that I'm not taking college or nursing serious and won't put much effort into helping me get through nursing school with finaces. She told me that she pays off her truck in the summer of 2017 so I was hoping that she could help me out a little more then but I know she's not financially stable to do it now.

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Specializes in ER/Tele, Med-Surg, Faculty, Urgent Care.

You might not qualify for work study if it is based on FAFSA ( I have a 21 y.o in college & she did not qualify due to my income). Even if you are in summer school, you really are not working enough hours. Here is a plan for you. You can work half-time (no more than 20 hours per week) if taking full time course load. Nor sure about the renting an apartment when you can live at home? Is this because you want to get an apartment? You say it takes 10 min by car ( how many miles is that?). If you work more hours you could get a better car? And as previous poster suggested, take a CNA course then work as a CNA. I know students who work every weekend, some are working 2-12 hour shifts as CNA every Sat & Sun, some work 2-16 hour shifts every Sat/Sun and go to school Mon-Friday.

My goal is to save at least 6,000 by next summer. So I can pay for my own apartment.
How are you going to do that when you only work 10 hours per week?

"I tried being a CNA since I was 16." But it will be another thing I would have to pay for. It cost about a 1,000. I could forgo using my school refund on my apartment and pay for the CNA class or I could do it for free at Job Corps. Which I don't think is too bad. So do you recommend that I should become a CNA and just take a year off from school and work as a CNA?

Please explain: You tried being a CNA???? $1,000 for a CNA class that would possibly lead to a job to help pay for nursing school, yes , and you have some refund to pay for the course but Wait, Free at Job Corps, what are you waiting for???? How long will it take at Job Corps to get the CNA? No need to take a year off unless you need to save for a better car.

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