Moving out, per diem status, and nursing school

[kikid]

Hello, I recently signed up on this site in hopes I can gather enough advice and suggestions for the journey I will soon take thus school semester..

I'm 21 and re-admitting into the nursing 1.. and this time I don't plan on failing again.

There are many reasons for me failing and it's not because I can't do it.. I'll get back to that later in this post..

I plan on staying in my parents house for nursing 1 and 2 (these next semesters) and then moving out during summer break. I currently switched from full-time to per diem. I work at a dialysis unit. Which has amazing pay and flexible hours. But I don't plan on working much during nursing school as it was one of the reasons I did not pass..

Full-time for my job is 3 days a week from 4am-7pm most of the time (13 to 14 hours depending on the treatment times for the patients).

I go to a county college in New Jersey. 2 years to graduate with summer break in between the 2 semesters.

For semester 3 and 4 I plan on working during the summer and saving up.. however, if I cannot meet ends, I'll take up a student loan if I have to. 1 semester is about $1700.. I'll be rooming with a good family member that will allow me to stay without paying rent.. however, I expect food and cleanliness will be my responsibility. Which isn't a problem..

Here's my reason for moving out. My relationship with my mom is very abusive. Mentally, emotionally, and physically. They were born in the Philippines and very conservative and care alot about image. DYFS has gotten involved in the past (during my Highschool years). I also have a sister who is now 16. My sister is the reason the school and DYFS got involved, due to her scars and marks and crying when she would go to school. However, they stopped the check ups after they felt my mom wouldn't repeat her mistakes again...

During nursing 1, I expected my mom to pay for my tuition (as it's what Filipino parents do traditionally). However, she told me to just work and take responsibility myself (which I don't mind. It taught me how to be careful with my money and how to handle).

However, I felt a bit hurt that she would pay for 2 of my cousins college in the Philippines (a 4 year nursing university... but in her defense, pesos are much cheaper)

On top of my tuition, my mom would sometimes ask for me to pay for groceries. She also had me lease a car which was $430 every month... I picked the car that was $200 but again, image was important and she wanted the nicer looking car.. however my bank account suffered greatly and I found myself working more and more to meet ends with my monthly tuition payments...

And working 3 days a week from 4am-7pm while going to school 3 times a week was impossible for me. I had no time to study because of work and no days off except for Sunday (which often times my mom would take us with her to go out and I couldn't refuse it or If hear a mouth full)

My mother didn't understand the life of a nursing student.. as her field of work is engineering.

I should also note my mother was diagnosed with Bipolar depression disorder. Which she is INDENIAL about.. Recently I found out, they stopped prescribing her her medication for it...

At home there are constant fights. The emotional and mental abuse is the worse you can think of. At one point she even physically hit me while I was studying and would fight me during studies..

I have no option but to move out and struggle on my own.

I'm only 21, and financial aid won't help, unless, I'm married or I emancipate myself. For sure my parents won't help. Can someone please help me in how to go about loans? And tips while I go out on my own? Hoe does health insurance work? May I still use my insurance card my father give me? Or are my parents able to remove me.. Money is the biggest issue for me here.. and I really want to graduate as a nurse.. I have so many managers rooting for me to get my RN license so so can be their dialysis nurse... Thank you in advance!

[Sour Lemon]

That's a LOT to sort through ...but it seems like your actual questions involve paying for school and health insurance. For school, visit your school's financial aid office for information about what you may qualify for. If you don't qualify for anything, then you'll just have to work and save until you can afford to pay.

And in most cases, your parents are not required to provide you with health insurance. Exceptions sometimes occur in cases of divorce when it's made part of the agreement for one parent to pay until a specified age.

[_firefly, BSN, RN, EMT-B]

Consider enlisting in the Navy or Air Force for Nursing. That would solve all your problems. Otherwise, Federal loans are offered to every student and will cover most or all of your tuition. Find a cheap room to rent. Maybe even share a room. Your school should offer discounted health insurance plans. Apply for scholarships and financial aid in general. You can probably download all of your books. You can definitely do it on your own. It just takes a little research and hard work. Good luck!