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Need some advice on quitting school

Posted

I need your loyal advice once again.

I am working 30 hours per week and bringing home 303.11 every two weeks. I just started a part-time job on the weekends that I work 12 hours. I get paid monthly at this new job.

My question is this.....my bills are getting further and further behind. I have no insurance on my car right now cause I cannot afford to make the payments. I quit eating out, I have not bought any clothes in over a year, I pinch and put every penny in a jar. My boyfriend has tried helping me, but now his bills are getting behind. I tried for a loan to consolidate. but the answer was no. Would you go ahead and quit for the fall semester, work 40 hours at my present job as well as the 12 on weekend and get caught back up, and apply to school in the spring. I need to make a decision soon to be able to withdraw from classes. My heart is saying "no", but that is not helping me with my bills. I love school. I made a 92 on my anatomy test yesterday and I was tickled to death!

Can somebody offer me some kind of advice...

Hissy:kiss

That is a hard question... Is there anything else you can do to keep your bills down? Maybe you could just withdrawl from a few courses, and goto work more, but change school to part-time.

Sometimes ya just gotta do what ya gotta do.

I would look into financial aid from the school though, for when you do return to school. It's kinda hard to go to school and finish with any kind of meaning if you don't have a roof over your head, no power, water, or any way to go where you need to go, or if you wind up bankrupted by a lawsuit that occurs while you're uninsured (not to mention the fines).

God bless and we'll pray for you.

Barb

Tweety, BSN, RN

Specializes in Med-Surg, Trauma, Ortho, Neuro, Cardiac. Has 28 years experience.

It's going to be very difficult to concentrate on school while under this kind of stress. When I was in that shape I took one class at a time and worked 40 hours, just to keep myself interested.

Good luck.

My take on this is that your doing great in school. You will make way more money when your done. Contact the folks you owe money to. Tell them your situation and see what you can do about either lowering your payments or stopping them all together while your in school. Let us know your what you do.

Thanks guy for the advice. I have gone down to two classes and that is Honors History and AP II. The people that I am indebt with have been called and of course they will not work with you. I cannot get financial aid cause they say I make too much money based on my taxes. I am at my ends witts here. I am so tired of crying and stressing. I went to my physician yesterday for a physical cause I was having palpitations and he said that was due to stress.....I appreicate all of you all

Hissy

Tweety, BSN, RN

Specializes in Med-Surg, Trauma, Ortho, Neuro, Cardiac. Has 28 years experience.

Originally posted by HISSYTHECAT

Thanks guy for the advice. I have gone down to two classes and that is Honors History and AP II. The people that I am indebt with have been called and of course they will not work with you. I cannot get financial aid cause they say I make too much money based on my taxes. I am at my ends witts here. I am so tired of crying and stressing. I went to my physician yesterday for a physical cause I was having palpitations and he said that was due to stress.....I appreicate all of you all

Hissy

Sounds like you're in crisis mode here. First and foremost take care of yourself and do what will give you the most peace of mind. It's not worth kiling yourself over.

(((HISSYTHECAT)))))

P_RN, ADN, RN

Specializes in ORTHOPAEDICS-CERTIFIED SINCE 89. Has 30 years experience.

You mentioned a consolidation loan. Have you contacted a credit counselor?

http://www.gottrouble.com/legal/consumer_law/credit_counseling_3.html

I'm not advocating this company, but what they have to say here is good information. I've been there, checking the penny jar to see if I had enough for bread and milk...school is important no doubt but peace of mind is more important. It took me 11 1/2 years to finish....good luck.

Love-A-Nurse

Specializes in LTC, ER, ICU,. Has 19 years experience.

hissythecat, may i email or pm you?

You could always go the bankruptcy route. I know a lot of folks don't want to even think about that, but I've known 3 individuals who have filed bankruptcy & it really helped them to get back on track.

Love-A-Nurse I would love for you to email me. It is hissythecat@yahoo.com.

I went to consumer credit counseling and they told me that I have too much going out and not enough coming in. They told me to file bankrupty or find a job that pays more. Every lawyer that I have talked to would charge around 800. I am thinking if I could come up with that, then I could come up with that to pay my bills.

800 bucks for bankruptcy? You've got to be kidding. That's like robbing Peter to pay Paul

I'd look for other lawyers. I've seen some advertise on the tv. Bankruptcy's for $85 or something like that. I don't know if you could go thru legal aid or not. I don't know much about the legal world.

If you go to church/synagoge/etc...you may ask your priest/rabbi/etc about any programs they may have. Like for instance, there's catholic social services, lutheran social services, etc that have credit programs and other assistance programs that may help.

Definately talk to your schools Financial Aid office. You would most likely be able to get aid that may help you out with living expenses as well.

I tried financial aid, student services, and other places. Unless I have a child or some form of dependent they could not help me. I have prayed and prayed, but I feel like I need to get myself straightened out and try to put some money in the bank. I just have to take one day at a time I guess.

Hissy ^..^

Love-A-Nurse

Specializes in LTC, ER, ICU,. Has 19 years experience.

i sent you an email. i will check back when i take another break from studying. as always, keep the faith!

sjoe

Specializes in Corrections, Psych, Med-Surg. Has 15 years experience.

"You could always go the bankruptcy route"

It is MOST unwise to do a bankruptcy unless:

1) You have very substantial debts that are dischargeable (many kinds of debts are NOT), say $40,000 or more. AND

2) You are earning enough to stay WELL out of debt during the process as well as after the final court decision. (Otherwise, you are simply digging yourself a much deeper hole from which there will be no ready escape--not even the possibility of a bankruptcy, since you can do so only every 7 or 10 years.)

It is clear that you do NOT meet this second criterion (and perhaps not the first one either).

You might have to lay off school, or take part-time courses for a while, unless you can find a job that pays significantly more than minimum wage, which doesn't seem to presently be the case.

It is not the end of the world, regardless, just a delay in your plans.

Just wanted to say good luck with whatever your decision is.

Well, the decision came and I went to school this morning and withdrew. I have cried ever since I left school. Maybe it is for the best. I keep thinking that this is the second time I have tried to go to school and had to withdrew because of finances. Maybe GOD is trying to tell me something, but I am just not listening.

Guys I appreciate all of your words and encouragement.

GOD Bless you all.

Hissy ^..^

BadBird, BSN, RN

Specializes in Critical Care.

How about contacting a local nursing agency and getting hired on as a sitter, they make good money, you will be able to study at the bedside, make more money and continue on in school. Just another option to think about. I personally would not quit school, once you do it will be really hard to go back. Don't use the credit cards, mail a minimum payment each month, if you can't you can't, I would not declare bankruptcy it could affect your hiring status, many employers check your credit history and if you have declared bankruptcy won't hire you.

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