Parents not supporting me but Im Starting Lvn program next month paying 800 a month!

Nursing Students LPN/LVN Students

Published

Hi all,

Im starting my lpn program nxt month its a 14 months program and im paying 800 a month.I get paid about 1,400-1,500 a month Im 20 and my parents doesnt want to help me do the loan.I didnt get approved cuz i had no credit

My parents doesnt wanna help me becuz they think I cant finish the program..Im going to provedthem wrong, so I will sacrifice paying that much money just to finish without ever needing help from them.

I will go to school 4 times a week during morning and would work probably about 6 times a week during nights and morning just to pay my tuition

HOW HARD IS THE PROGRAM?ESPECIALLY IF I HAVE TO KEEP WORKING AND WORKING..IM SURE A LOT OF YOU WORKED ALSO WHILE BEING IN SCHOOL....PLS HELP SOME ADVICE WILL BE APPRECIATED

Specializes in Peds.
True, unless they also don't have the income or the credit history to qualify. Lots of people live beyond their means and those closest to them have no idea they're even struggling. It's hard to say.

For the Federals (like Stafford) income and credit history don't seem to matter. My daughters have to take out these loan. We're middle class and they do not get grants so they have to rely on loans. I just to the FAFSA's annually and they take out their loans....

Up Vote Up Vote ×
Specializes in Public Health, DEI.
For the Federals (like Stafford) income and credit history don't seem to matter. My daughters have to take out these loan. We're middle class and they do not get grants so they have to rely on loans. I just to the FAFSA's annually and they take out their loans....

Right... I got Stafford loans myself. My parents didn't have to sign for them- except the first one, they had to co-sign, because I was only 17. But this poster should be able to qualify for those without regard to the parents.

Up Vote Up Vote ×

I dont know what school this poster is going to but at the school I attended they did not accept student loans. Something about the default rate of past receivers and the goverment can rovoke giving government funded loans to that school. (the ones you can get by filling out the fafsa) They did recieve pell grants but no loans. The only way you could get a loan to pay for the school was if you got a personal loan through a bank or one of the school loans some banks offer. One of my class mates did tell me though that if you are under 25 and considered a dependent of your parents by the fafsa rules. You can fill it out and send it back with only your income on it and the fafsa people will send you out a letter and give you a chance to explain why your parents info was missing and in some circumstances they will waive the dependency status and you can get pell grants. Like I said this was just told to me by a class mate so I dont know if it works but maybe you could talk to your financial aid office about it. I could not get a pell grant due to mine and my husbands income and due to a past bankruptcy private loans were not possible so I did work full time and go to school. Like someone else mentioned it is not easy but it is really possible if you put our mind and heart into it. GOOD LUCK

Up Vote Up Vote ×

Hi all,

I thank all of you for replying, my parents have good credit history I dont have any good credit history and also I couldnt get approved for other grants but did got approve for stafford loans.They estimated my stafford and it went about 4,000 for but i still hve to pay the rest ouf of pocket which cost about 800 a month.

I will try my best to try and finish it, It will be hard but we'll see how it goes..GOOD LUCK TO ME Hehehe..

Thanks again for giving me advises

Up Vote Up Vote ×
Hi all,

I thank all of you for replying, my parents have good credit history I dont have any good credit history and also I couldnt get approved for other grants but did got approve for stafford loans.They estimated my stafford and it went about 4,000 for but i still hve to pay the rest ouf of pocket which cost about 800 a month.

I will try my best to try and finish it, It will be hard but we'll see how it goes..GOOD LUCK TO ME Hehehe..

Thanks again for giving me advises

It sounds as if you're going to a private school. It might be cheaper to try a community college or adult schoool, many of which are approved. The amount you'll be paying per month sounds like loan sharking. I don't understand why you wouldn't qualify for a grant. Grants should not be contigent on credit history since they aren't repaid. Best of Luck

Up Vote Up Vote ×

In order to get a grant I dont know what the specific amount you can make is but I know it is very low. My husband and I made around 19,000.00 the year I tried to get a grant and that was to much money to get any help at all. Someone told me they only allow like 8,000.00 per adult in the house hold to qualify for a grant if you dont have any children. I dont know how they expect you to be able to live and go to school on that amount of money.

Up Vote Up Vote ×
Specializes in Family Nurse Practitioner.
Parents who cannot afford college do have the ability to cosign a student loan that the student can repay. Even if the parents don't have the money, their signature is worth more than gold.

But cosigning IS making them legally obligated to pay the debt if the student defaults. We don't know the history and for whatever reason it sounds like they aren't comfortable with that. Many parent's can't or won't pay for secondary school for their children and if that is the case there are resources out there to help. This poster sounds very determined to be successful and it is my opinion that the value of your education increases ten fold when you pay for it yourself.

Up Vote Up Vote ×
Specializes in Case mgmt., rehab, (CRRN), LTC & psych.
But cosigning IS making them legally obligated to pay the debt if the student defaults. We don't know the history and for whatever reason it sounds like they aren't comfortable with that. Many parent's can't or won't pay for secondary school for their children and if that is the case there are resources out there to help. This poster sounds very determined to be successful and it is my opinion that the value of your education increases ten fold when you pay for it yourself.
Parents who fail to provide financial information on FAFSAs or cosign for a dependent student with no credit history are, in my opinion, being selfish. It should be natural for class mobility to occur, and education is the quickest way for students from working-class families to move into the middle class.

I graduated from high school with an A- average and was accepted to three state universities, but my parents refused to sign the FAFSA or cosign on student loans despite their good credit histories. I come from a working-class family of three (mom, dad, and me) and no one in my extended family had ever been to college, nor do they believe in education. My mother worked at a factory for 25 years and, while she earned okay money, she had nothing to show for it. My father has an erratic history with a string of low paying jobs. They fail to see that times have changed, and that an education is needed to compete in this job market. You cannot just graduate from high school and walk into a good job, but this did happen frequently in the 20th century. My mother told me, "Everyone doesn't need to go to school. I didn't." I ended up working a dead-end job at a factory for over three years.

It is this type of thinking that prevents upward mobility.

Up Vote Up Vote ×
Specializes in Peds.
Parents who fail to provide financial information on FAFSAs or cosign for a dependent student with no credit history are, in my opinion, being selfish. .

I agree with you wholeheartedly Commuter. Providing financial info. does not obligate parents to repayment of any loans the student has. Only cosigning a loan would. In order for my daughters to get school loans, we had to fill out a FAFSA and gladly did so. I now have one child who is graduated and teaching in Louisville, KY and another who will graduate in the spring.....

Up Vote Up Vote ×
Specializes in Case mgmt., rehab, (CRRN), LTC & psych.
I agree with you wholeheartedly Commuter. Providing financial info. does not obligate parents to repayment of any loans the student has. Only cosigning a loan would. In order for my daughters to get school loans, we had to fill out a FAFSA and gladly did so. I now have one child who is graduated and teaching in Louisville, KY and another who will graduate in the spring.....
I commend you for being a thoughtful parent who displayed concern for the futures of your children by disclosing necessary information on the FAFSA. With a good education their lives will forever be greatly enriched.
Up Vote Up Vote ×

I got a credit card and lived off of that the whole time i was in school, now I just have to pay it all back, that way i only worked on the weekends part time, so I could study during the week. its hard to work full time and go to school, but it can be done

Up Vote Up Vote ×

HI all thanks for the reply

Hi commuter we both have the same problem,My parents just keeps telling me go find a job keep working working working.BUt I want to become A very successful person in the near future.I just dont want to become a person who's going to work paycheck to paycheck just like what im doing now.

MY MAIN GOAL IS TO BECOME AN LVN FIRST SINCE I DONT HAVE THE SUPPORT THEN CONTINUE MY RN SINCE I'LL HAVE ENOUGH MONEY TO PAY FOR IT. IN THAT CASE I WILL DEFINITELY TRY MY BEST TO HAVE A GOOD FUTURE FOR ME. AND DEFINITELY WOULD HELP MY PARENTS OUT EVEN THOUGH THEY DONT WANNA SUPPORT ME. I'LL TRY TO PROVE THEM WRONG FOR NOT TRUSTING WHAT I CAN DO!!

THANKS FOR THE REPLY ALL I APPRECIATE IT

Up Vote Up Vote ×
+ Add a Comment