Money for DNP...how!?

Why don't you wait, work really hard and save up the money, then pay cash for it? I assume with an 8 month old you're under 45 or so. Waiting another couple years will not hurt you. It sounds like you can't go to school right now.

Why did you fell compelled to tell us you were 'white'? Just curious.

I agree with meanmaryjean. Save your money and pay out-of-pocket. Is your tuition 15,000 a semester? If so, I would recommend you find a less expensive school. There are plenty of reputable state schools that are significantly less expensive. You could also look at scholarships. There are faculty loan repayment programs if you are interested in teaching. Good luck!

Get part time job in an short-staffing or local travel agency, put the money aside. I got all I need for my MSN plus posh new laptop and a little something more in less than a year this way.

Reg. being "white", I too saw quite a few scholarships for grad students/research projects which had a condition that the recipient must be "representative of minority group" or direct note stating that only members of certain minority group (s) are eligible.

So is it really important to have a DNP? What return on investment (ROI) will you see? Enrichment isn't the right answer if it entails spending money you don't have or owing anyone because of it.

I commend education, but the DNP is about as useful and economical as a MFA.

Are they still in default? I would get that fixed. In my state they will take your nursing license if they find out that you have defaulted on student loans.

Is that 15,000 for the degree or 15,000 for the first payment toward the degree? If it's the latter, that's WAY too much money and you really should shop around for more affordable options.

As far as inability to to take out student loans, if you have defaulted in the past you are absolutely right in thinking that it may be difficult to obtain traditional financing. If you have parents that are able and more importantly willing to cosign your odds will be much better of receiving loans. But why focus on the need for loans? Have you considered saving up money to pay cash for a more affordable program? Are you eligible for any grants or scholarships? I am just assuming you found out you wouldn't receive financing after filing for FAFSA but in case I am wrong in that assumption have you asked the financial aid department of the school about financing options?

Just an aside, but unless you are concerned about getting advice that steers you towards grants and scholarships that are only available to minority races why tell us you are white? What difference does that make?

This bothers me kbrn2002. Because a co-signer is responsible for the balance of the loan if the borrower defaults. This borrower has already defaulted. Co-signing ANY loan is a terrible idea- co-signing a loan for someone with a history of not paying back what they've already borrowed is just plain foolish.

HYOU should analyze your cash flow. It should take 2-3 hors. Develop a spending plan which is more detailed than a budget. You'd be surprised what you can save and pay off when you account for every dollar.