Long story short, I am a pre-nursing student finishing up her pre-reqs. I am more of a traditional student, but it has taken me a long time to get to the point of actually applying to nursing schools. Because of that, if I were to start a program this fall, I would graduate after six years in school. I know that isn't a big deal to some people, but I am nervous about the possibility of my financial aid running out because I've read after six years in school, FAFSA stops giving you loans.
I am stuck between two schools. A private BSN program that would start this Fall (Fall 2018) and finish in Spring 2020. That would put me right at six years for a Bachelor's degree. I am nervous about this option because the school is incredibly expensive, but it is a BSN program and I have only heard great things about it. Students do say there are scholarship
My other option is at a Community College. It is an ADN program that I would not be able to begin until Fall of 2019 (you have to be completed with your pre-reqs before you can apply), and I would graduate Fall 2020. The perks of this program is that it would be only a fraction of the cost of the BSN, but I would only have my ADN and I have heard negative experiences of people with ADN's not being able to find a job. Plus, I think my financial aid would run out before I finished school. I also would plan to do a RN-BSN bridge option would just be another round of school (and student loans) tacked on.
I guess what my question is, in your experience, which is the better option? Should I start the BSN program with the perks of a great, respectable program and have my BSN and have a lot of student debt afterwards, or should I wait another year for the ADN program (that I may not even be accepted to) and have the harsh reality of not being able to find a job.
I appreciate everyone's help and advice!
*also, I would apply to a public BSN program, but they are extremely competitive around my area and my GPA does not compete. The BSN program I am applying to looks at you holistically, not just by your GPA and the ADN program is based on a point system and only cares about your pre-reqs which I have done well in so far.*