how are you paying

ohcomeon · Aug 9, 2011

I have been paying out of pocket each semester. I am not eligible for pell grants because I have a bachelor's degree already.

cogath · Aug 9, 2011

Scholarships pay about 50%. The rest I find in loans and out of pocket. I am 80,000 in debt. Think twice before you choose loans or an expensive school like I did.

justjj01 · Aug 9, 2011

I am in the same boat as a few others....I went to college 20 years ago for 3 years and my parents paid for my college....now 20 years later...I have too many credits and don't qualify for student loans....even though I have never had a student loan before......only because too many credit hours :-((( Doesn't seem fair! So we are paying out of pocket.........

JonB04 · Aug 9, 2011

80k in debt for the same degree?

studentnursepupmom · Aug 9, 2011

I just graduated in May from 5 years of college (English/history major) which was paid for with federal grants and money my grandparents left me for my education. I still have a little of that left, but I'm hoping I can get more federal grants for the ASN program I'm starting this fall? I don't know, they might not offer the same grants for a second degree... if not, I guess it's time to start racking up some student loans!

That Guy, BSN, RN, EMT-B · Aug 9, 2011

I did a few things im not particularly proud of........

Nah just kidding I had a college fund set up from my rents that paid for all my school.

mamayogibear · Aug 9, 2011

When I first started taking pre-reqs I got a grant to cover tuition and supplies the first term. The next two terms I got a scholarship. Then the second year of pre-reqs I only got a grant to cover tuition and supplies. However I had to take out a student loan to pay for my two kids daycare which was about $1000 a month per kid! So I have about 30K in student loans allready and haven't even started nursing school.

This fall I will be paying for tuition and supplies from either a grant or scholarship (I have had one interview for a school based scholarship). But once again will have to get a loan to pay for daycare!!!

I remember reading in another thread somewhere a girl was complaining about how single moms get it easy not having to pay for school, ohh that made me so mad!

DarkBluePhoenix · Aug 9, 2011

As It states above how are you paying for rn's school loans grants and what was your efc if you don't mind me asking

I am not applying to any private colleges so no private loans to take out. If I get into ta CC, I get most of my units waived because I am poor

As for if I get accepted to any BSN programs (state schools) then I will be getting federal loans:down:

RunnerRN2015, ASN, RN · Aug 9, 2011

We don't qualify for any funding since my husband's salary is too high. FAFSA just laughed when we applied for aid. Last year my older son was away at school (in-state tuition, thank goodness!) and we had to shell out $16,000, but he's going into his 3rd year with no student loans and that's our goal. This year, he moved back home so it's less than $6,000 out of pocket BUT.....I'm starting school now AND my younger son will also be in college next year! Not sure how we'll afford THREE of us in college at the same time. The school I'll be at is affiliated with a large healthcare system and they offer partial loan forgiveness if you work for them so that's what I hoping for when I'm done. Worst case, we take out deferred loans and use my salary to pay everything back.

allnurses Guide · Aug 9, 2011

EFC of zero. Paying through a scholarship, grants, subsidized and unsubsidized loans and via personal savings.

bkhadijah · Aug 9, 2011

Loans, loans and more loans.

Student4_life · Aug 9, 2011

My first two years I used the GI Bill. Having busted my butt to get grades that would all but assure a spot in a merit based acceptance NS. With those grades, I decided to apply for any large scholarship that fit my demographic (27 y/o white male with a EFC too high for Grants but way below COA), and now that the dust has mostly settled I have enough aid that I am getting paid to go to school (and I am still waiting to hear back from 2 more scholarships).

Some scholarships you really have to dig for (one of mine is from a local hospital that has a work commitment attached that few people know about, another one thru my school has a short application that students generally don't want to waste their time filling out, so much so that the school pushed back the deadline to get more applicants...).

There is money out there for everyone, so I urge you to apply for all scholarships you qualify for. Minimum awards are typically $500, and once you have a decent generic essay (I reused mine in everything) the apps take about 30 min to fill out. That's 1000/HR if you apply for scholarships that are a good match, if you have another way to make that kinda scratch let me know. And if you grab bigger scholarships the payoff is even higher. The alternative, student loans, are much easier to get. You just sign at the bottom line that you are accepting a loan that will be with you until you pay it off or die, no bankruptcy on knowledge. I guess that when the alt to a $500 scholarship is a $500 loan, you are really getting closer to 1332.25 an hour after factoring in interest @6% for 10 years.