Hello everyone! I have a non-nursing Bachelor's and have wanted to be a nurse even during my undergrad but my school did not offer the program. 8 years after college and a full career in healthcare later, I am finally trying to put everything in motion now as a SAHM. Everyone tells me not to waste my time on ADN and go straight for ABSN or direct-entry MSN because I will need my BSN anyway, etc.
My question is, why don't people talk about cost!? I'm wondering if I am missing something. I have $11,000 in student loans left to pay back. I could do my ADN for under 10k but an accelerated program is going to run me between $45,000-$70,000. I am familiar with PSFL as I already have seven+ years toward it but I am not saving money with it anyway because I made too much. Do people who do accelerated programs and get reimbursed somehow after? I want to get through school quickly and I have the time to dedicate to an accelerated program but I cannot imagine being saddled with minimum of $500+/month payments while working as a floor nurse. I know RNs get hired here in Dayton/Cincinnati even without a BSN so that's not a sole deciding factor for me.
Why does everyone tell me to do these programs? Are they unaware of cost, or is it easier to pay back than I realize? I absolutely want to do an accelerated program but I can't see how it would be a responsible financial decision to take out huge loans unless there is forgiveness that I'm unaware of. Any feedback is appreciated!