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.

[Ellie G]

"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

And you seriously want her to co-sign a loan for you now? Time to put your big girl panties on and grow up. Get a better job and work more hours. Save money. Apply for scholarships if you can. You may have to delay for a year or two. Many of us have had to make sacrifices for school. I was a single parent, worked full time and made it through nursing school and I know I'm not the only one.

[Neil B. Ball]

This. Re-read this a couple times if you need to:

And you seriously want her to co-sign a loan for you now? Time to put your big girl panties on and grow up. Get a better job and work more hours. Save money. Apply for scholarships if you can. You may have to delay for a year or two. Many of us have had to make sacrifices for school. I was a single parent, worked full time and made it through nursing school and I know I'm not the only one.

I have to agree with most of the others commenting here, Keracee.

Your mother is quite clearly and explicitly overburdened with how many people she needs to support. This may be tough love, but it doesn't seem realistic that you pursue education to become a nurse yet. Try to understand the reality of these circumstances, especially from your mother's perspective, and have patience. My recommendation is to step back from nursing school and spend a year working full-time before pursuing education (often called taking a "gap year"). Re-evaluate your financial situation, look into paying off debt, and ask your mother what she believes would be best for you.

Best of luck. You can do this.

[someonetobe]

You would still need your parent info for the fasfa even for the job corp lpn programs

[Happi2016]

Sometimes you can find through a church an elderly person who would like to have someone live in the house with them. You can live for almost free that way in exchange for keeping them company. Just be sure to spell out the details in writing so there are no misunderstandings. In my agreement I prepared a simple dinner for the woman each night and spent about 2 hours per night talking with her. I also did the grocery shopping (she paid for the gas and food) and shoveled the snow when needed. I slept in her home every night and went to school during the days.

Another thing I found really helpful was to work as a home health aide on the weekends. If you can find the right situation it can be wonderful work, the key is to be careful who you accept as a client. The lady I work for allows me to study when she is sleeping. I also study when I am preparing meals for her, etc. If you have an "easy" patient then this is far easier work than working as a PCT or CNA/NA.

Don't give up your dream! Keep trying.

[needluck]

well..it sounds as though your Mom has a lot on her plate, and provides well for all of her children..honestly, I dont think she would even be approved to co sign..I know so many parents, myself included..who co-signed..and now I am the one paying off the student loans..maybe cut her some slack..try working for a year or two to save money while you are still living at home so you can pay upfront for your nursing degree..just a thought IMHO!!

[Livetoride]

Judging from your posts, you are willing to throw people under the bus just to become a nurse. I can't believe you would be willing to put your own pregnant mother and disabled father on the hook for loans. You're not a kid anymore, so it's time to figure out how you are going to pay for stuff without accumulating debt. Everyone has a dream. Doesn't mean it happens on your time.

Go to Job Corp and go through their LPN. You get free food, free rooming, and education. I'd say that is a pretty sweet deal.

[Livelaughlove72]

If you mother is hesitating to cosign with you (or anyone really) look for a private loan lender that offers the option to release your cosigner. I think most lenders will let you do that after you have made a certain number of monthly payments on time. That might help her feel better about it, knowing she wouldn't be stuck with your loan on her credit forever.

[jaycam, RN]

You have a 3.4 GPA. You should be able to get scholarships to help pay for tuition and books. You have access to job training at Job Corp due to your age. You have the ability to save up money before starting. It's going to be hard, but often the things worth doing are. Most of us aren't lucky enough to have family willing to pay or co sign our loans, but we manage. You can do it without the private loans if you're careful.

Apply to the cheaper school. Yes the extra time seems like it's a lot, but you can study on the bus, or record your lectures and listen to them in the car. We make sacrifices of our time to make it work. I had choices between several schools. One of them was closer, but cost more and didn't have as good of a reputation as the school I chose to go to. So I spend more time commuting to get the better price and better reputation.

[GadgetRN71, ASN, RN]

To be honest, if I were your mom I wouldn't take on a loan either. She has enough on her plate. You could always join the military. Or just postpone your plans. Sucks, but sometimes we have to do that.

[kasmom95]

Go to work as an aid at the local hospital, they will usually pay for a large chunk of your tuition.

[Livelaughlove72]

You mentioned that your father is disabled. Does he receive government assistance? If so talk to financial aid and you may be able to qualify for additional unsubsidized loans based on that instead of having him apply for a plus loan.

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.