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

[Keracee]

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.

[Leedeedee]

I wanted to rent out a room from some one's home for $200 a month but my mother is a very skeptical person and doesn't want me living under a roof with "strange people" who can be anybody she said.

If you're paying for it, it's your choice where you live and with whom. He who pays the piper calls the tune.

[DFutureNP25]

I am a product of a single parent household and going into high school I was told that there was no money for college. So I made decent grades. I received some merit & income based scholarships and grants for LPN school and some for the ADN program. I lived at home until I started working as a LPN. I went to a local community college and earned my degree. What ever wasn't covered I paid for out of my own pocket. My mother did not give me a dime for college. Basically, go to a more affordable college to earn your degree. I paid my BSN out of pocket and it was very affordable.

[Keracee]

Please explain; The $20,000 you have received? for work study? Grants? Loans????Not understanding what you mean by "putting up" do you mean saving $2,500 each semester, when you are asking your mom to help with the $400 for rent. I am confused about these amounts and more confused that you are asking your mom to co sign for loans.

QUOTE=Keracee;9054735]I tried working 20 hours per week but my job is overstaffed and my manager is not lenient with the hours at all. She keeps giving me hours like 10 or 13 or 17 per week. I want to quit but I will not do that because I don't want to burden my mom even further.

You need to get a different job. You need to work 20 hours per week if going to school full-time.

20000= 5,500 Loans. 5,000 work study. And 9,500 grants

[Keracee]

The moment I saw you wanted to add debt to your disabled dad I lost all empathy.

My dad could only finish 2 years of college as he had a full ride scholarship for football but after his accident they took it away from him. He wants me to go to college and he offered to co-sign on my loans.

[osi2011]

Is it absolutely necessary for you to rent an apartment? I know you would probably prefer to live on your own especially when attending a nursing program which is tough in itself, but you can cut down on costs drastically by just living with your mom during the time you are in nursing school, and if you do work in your free time, you can help out a little by opting to pay for the light bill on one month or offer to buy dinner one night a week just to help her out.

[Keracee]

Is it absolutely necessary for you to rent an apartment? I know you would probably prefer to live on your own especially when attending a nursing program which is tough in itself, but you can cut down on costs drastically by just living with your mom during the time you are in nursing school, and if you do work in your free time, you can help out a little by opting to pay for the light bill on one month or offer to buy dinner one night a week just to help her out.

I don't mind living with my mom. It's just that the nursing program will be 2 hours away from me.

[tcvnurse, BSN, RN]

I am the daughter of a banker, and here is what I know: I will NEVER, cosign a loan for anyone, blood relation or not. Because should you default on the loan, the cosigner is held entirely responsible. Doesn't seem quite fair does it? So anyone reading this do not feel guilty about saying NO when somebody, probably an entitled kid, asks you to cosign a loan for them. Just don't do it.

[Claire_bear123]

You sound very entitled and have unrealistic expectations of how you plan to support yourself and get into nursing school. GET A JOB....WORK MORE HOURS....we've all done it honey, welcome to adulthood.

[LawP15]

I dont think your Mom should co sign anything at all. You needed to plan first before getting into any debt. I'm so sorry but getting into debt is not the way to do things. Have you applied for all scholarships available? Grants? Or even gofundme. It will be better if you can get all of your expenses into a very well and plan out budget, get a part time job and save as much as possible. I know is possible.. I was out of my house by 18 years old, paying for my bills and going to school. Wish you the best of luck.

Co singing is a huge responsibility.

[Leedeedee]

I am the daughter of a banker, and here is what I know: I will NEVER, cosign a loan for anyone, blood relation or not.

Yes, unfortunately a lot of us have learnt the hard way that everyone, even family, no matter how much you trust them usually, become completely selfish and untrustworthy where money is concerned. Sad but true.

[TheCommuter, BSN, RN]

Moved to the Pre-Nursing Student forum.

[brandy1017, ASN, RN]

My dad could only finish 2 years of college as he had a full ride scholarship for football but after his accident they took it away from him. He wants me to go to college and he offered to co-sign on my loans.

He is well meaning but foolish. If he is on disability he doesn't have a lot of money to begin with and private loans probably wouldn't approve the loan with him as a cosigner. But parent plus loans are different, they don't care what a person makes or even if they are working, they will give any amount of loan out that the college suggests above and beyond the cost of the school as long as the parent doesn't have bad credit. It wasn't that long ago that they didn't even look at someone's credit and just gave them out like candy!

The problem is when he can't pay them he will default and then they will garnish what little disability he has. Don't do it. Find another way to go to school.