Why don't you just go to school? You should just start already! Well, I've tried to calculate costs and it just doesn't add up. My CC program would cost 5k plus books/supplies for LPN and 8k or so for RN plus books/supplies. LPN would be 16 mo (4 semesters) and ADN would be 16 mo (4 semesters). Cost of living for that amount of time is at minimum 28k. Loans would give me 12,500 yr1 and probably 6K for the remainder of the program spilling into yr. 2. I am a 2nd degree student so grants and scholarships are limited. With a 2 yr old at home and a decidedly unsuportive husband in this endeavor, there simply is not enough time in the day to work full time to support us, take care of my daughter (I am solely on duty whenever I am not working), and devote the study time (using the formula of 3-4 hrs per credit hour) to pass courses. We are low income due to hubs being out of work for a few years and me having to take a "survival job" because it was all I could find in our depressed economic area when we were scraping along rock bottom. Rather than be homeless I swallowed my pride and took this job. 2 years later and it's still all I can find but I continue swallowing that pride because it provides insurance and benefits despite the fact that I am one promotion above high school kids and two promotions below management who never bothered to go to college. It pays about 13 an hour and supports 3 people. With that amount childcare is way to expensive to afford. Nursing is not for the money, it is something that would fufill me, help others and bring purpose to my life and others lives (if I am blessed enough to touch them in some way). I am tired of hanging my head everyday as I pour people their over-important lattes even though I have a BA. I'm tired of feeling embarassed of what I do for a living. Tired of being ashamed to say I can't follow my dream because of finances or because I can't figure out a way to make it work. I would be left paying out of pocket 17k for an LPN and over 20K for an ADN taking into consideration living xp (hubs can't be relied upon to cover expenses I have realized over the past couple years). I tried a "test run" of NS by studying ahead for pre-reqs I am about to begin. I tried to devote just 4 hrs of time per day to study around my work schedule and household duties. I was lucky to fit in two. I could drop my work to PT if I wanted to make 9 an hour (demotion for availability restrictions). That amount is so little it wouldn't help much with xpenses so it doesnt seem worth it for the stress it would put on me, my fam. and gpa. I have been trying to save up for 2 1/2 years to cover the xt costs of school, but there is little left over at the end of the month, if any (a lot of times I am choosing to pay either the electric or the phone or go for beans and rice for protein instead of meat etc.) I haven't been able to save much and feel as if I am spinning my wheels. I am 33 and time is running out. Am I missing something? How do single moms do it? I say this because I feel like one since I have full financial responsibility, full childcare responsibility whenever I am not working and full household duty responsibiliies. Any ideas guys? There has GOT to be a way to do this. What am I missing?
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Why don't you just go to school? You should just start already! Well, I've tried to calculate costs and it just doesn't add up. My CC program would cost 5k plus books/supplies for LPN and 8k or so for RN plus books/supplies. LPN would be 16 mo (4 semesters) and ADN would be 16 mo (4 semesters). Cost of living for that amount of time is at minimum 28k. Loans would give me 12,500 yr1 and probably 6K for the remainder of the program spilling into yr. 2. I am a 2nd degree student so grants and scholarships are limited. With a 2 yr old at home and a decidedly unsuportive husband in this endeavor, there simply is not enough time in the day to work full time to support us, take care of my daughter (I am solely on duty whenever I am not working), and devote the study time (using the formula of 3-4 hrs per credit hour) to pass courses. We are low income due to hubs being out of work for a few years and me having to take a "survival job" because it was all I could find in our depressed economic area when we were scraping along rock bottom. Rather than be homeless I swallowed my pride and took this job. 2 years later and it's still all I can find but I continue swallowing that pride because it provides insurance and benefits despite the fact that I am one promotion above high school kids and two promotions below management who never bothered to go to college. It pays about 13 an hour and supports 3 people. With that amount childcare is way to expensive to afford. Nursing is not for the money, it is something that would fufill me, help others and bring purpose to my life and others lives (if I am blessed enough to touch them in some way). I am tired of hanging my head everyday as I pour people their over-important lattes even though I have a BA. I'm tired of feeling embarassed of what I do for a living. Tired of being ashamed to say I can't follow my dream because of finances or because I can't figure out a way to make it work. I would be left paying out of pocket 17k for an LPN and over 20K for an ADN taking into consideration living xp (hubs can't be relied upon to cover expenses I have realized over the past couple years). I tried a "test run" of NS by studying ahead for pre-reqs I am about to begin. I tried to devote just 4 hrs of time per day to study around my work schedule and household duties. I was lucky to fit in two. I could drop my work to PT if I wanted to make 9 an hour (demotion for availability restrictions). That amount is so little it wouldn't help much with xpenses so it doesnt seem worth it for the stress it would put on me, my fam. and gpa. I have been trying to save up for 2 1/2 years to cover the xt costs of school, but there is little left over at the end of the month, if any (a lot of times I am choosing to pay either the electric or the phone or go for beans and rice for protein instead of meat etc.) I haven't been able to save much and feel as if I am spinning my wheels. I am 33 and time is running out. Am I missing something? How do single moms do it? I say this because I feel like one since I have full financial responsibility, full childcare responsibility whenever I am not working and full household duty responsibiliies. Any ideas guys? There has GOT to be a way to do this. What am I missing?