anna225

My childhood dream was to be an army medic - but, I got diagnosed with epilepsy so that was blown out of the picture unfortunately. You all make good points about the degree that my life will be impacted.

I would if I could. I only would get a 6-month grace period before I'd have to start paying my loans which I'm not financially capable of.

I absolutely love this, thank you! You seem so sweet. I believe my mom has Dave Ramsey's Total Money Makeover at home sitting on a shelf so I will definitely grab it when I head their way for Thanksgiving. I will definitely throw all I possibly can at my loans and live at home granted I'm not married by then. As someone else recommended, I believe I'll work 1-2 years FT at a hospital, possibly a FT and PT job, then try to become a travel nurse! That would not only be some pretty decent pay, but also an experience of a lifetime I bet getting to see so much. Thanks!

That was exactly my plan! As of now I don't have a spouse or anything, so I was planning on moving back in with my parents for a couple years and throwing as much as I possibly could towards my loans. I just could imagine I could throw so much more at them if I was able to work two full-time jobs.

I am at a private school unfortunately. My fear is just not being able to get into another nursing school as I don't have the greatest pre-req grades.

I do have a job but it only covers my bills, gas for my car, and half of my rent for a month. I didn't have luck finding a roommate for this year.

Thank you for giving me this information rather than only telling me to escape what I was in. I will definitely look into an ADN, I have just heard horror stories about it being more difficult for them to get jobs as opposed to those holding a bachelor's so I have never put much thought into it.

I am getting my BSN. In my home state of Texas, there are basics on top of the pre-reqs required for me to get into nursing schools down there. These basics include courses such as Texas history and so on. I would be at least another two or more years behind to complete these courses. For the community college in my county, it costs roughly $5000 for one semester full-time. That would be about $20,000 to finish pre-reqs. On top of that, I would have to pray to get accepted into another nursing school on my first attempt, and I do not fully trust that I would be able to as I didn't have the best first year at the university I attended. One year at most nursing schools in the state also would wind up to cost about $20,000. This total would be around $60,000, which is substantially cheaper, but only if I was to get accepted into another nursing school. Where I am now, so long as I don't fail my nursing classes, I am ensured to complete my degree. While I do want to get out of the hole I'm in, I don't trust that everything would turn out better by changing schools. I am ultimately afraid of not being accepted into another nursing school on my first try, and therefore I'd have to begin paying my student loans after the sixth month grace period. I cannot afford the ~$1000 a month (or more if I went to a community college for a couple years) payments right now, so I absolutely must finish or I more than likely never will. Again, it's not a situation I WANT to be in. It's an incredibly complicated and tough situation that I got myself into by making the original decision to go out of state when I wasn't sure what I wanted to do with my life. I have accepted the situation I am in, I just fear the payments I will have to make in the future and want to know what would be my best options for attack, which was the purpose of this post. My situation is 100% my fault and I accept it, however I was never educated by advisors and counselors on what I was getting myself into - rather, I was just encouraged to go to a school I wanted to and pay later. It's ultimately my fault for making the decision, but the government's also for allowing such outrageous costs for an education when compared to just decades ago.

I have Parent PLUS loans that will be refinanced under my name once I complete school and have Subsidized Stafford Loans. Are these eligible for income-based repayment plans? I figured the Parent PLUS wouldn't be, and they're the one's that will have >$100,000 accumulated.

I have $90,000 already racked up from prior schooling. I took (most of) the pre-reqs required for the nursing school I anticipated on going to and they don't transfer well to any schools in-state back home, so I would have to start from pretty much scratch and take about four years. The one school I could and did transfer to and have most credits transfer was this private nursing school. This school I'm currently attending takes students directly out of high school, however I was only able to be a year ahead because they have nursing classes and clinicals for three years. I couldn't jump ahead on those. Basically, it would be even more expensive and time-consuming to transfer and go to a community college at home for two more years then onto an in-state nursing school than to just finish what I got myself into. It's a sticky situation overall and I am stuck in it regardless.

Hi! I am wondering how likely and doable it is to work two full-time jobs as an RN? I am currently in nursing school and will be graduating with over $200,000 in student loan debt (before interest) because of some stupid financial decisions I made. I chose to go out of state for a different major and took the wrong route on changing it. Rather than transferring back to an in-state school or even community college, I stayed out of state and somehow wound up in a private nursing school. Long story short, I am doomed when I have to begin paying my loans. I am terrified of not being able to make my ~$2000/month loan payments working as a nurse, and I know I would not be able to live a sustainable lifestyle this way. I will be moving back in with my parents and throwing almost my entire paychecks towards loans, and I am afraid that after bills I will not have enough to make these payments. I would do absolutely anything to be able to have these loans paid off within ten years but it'll be nowhere near possible with one job in nursing. My situation being as stressful and complicated as it is, I am having a difficult time wanting to keep going and graduate, but I know I won't be able to afford to pay off my current loans without a degree. Due to all of this, I was wondering how possible and doable it is to work two full-time jobs as an RN? I plan to work in the DFW metroplex, and my preference for my first job would be in a pediatric ER but I am open to anything, just because of my situation. EDIT: I am still unfortunately 3 years out from graduating but am stuck in the situation I am in. I am a first generation so nobody in my family understood what I was getting myself into, so please don't judge too hard!