hi! i would like to really help you out with this situation. it seems that everyone has there own opinion. but if my personal experience can help you a bit or give you more insight, i'm glad to be of help. (my short or long story) i've lived in California since "89. a US citizen. Graduated high school there and also took vocational courses which i finished and work with the course (98-2001).. since i was born here in the Philippines, i'm sure our perspective may differ. but which i hope we both want to be a successful person someday...a few years back.... well, my main reason of pursuing my studies here because of a few hindrances from studying and putting my whole focus on the matter. one of which "working". you are currently working right? well, i've already experience the life of a working student. and personally, it was fun at first but at the end i can only priorities one thing at a time. for me... which was school. i had a grant. sure the government was going to help me out with that i highly appreciated for it. but i had to keep up a certain GPA. like i said, while i was a working-student. it only took a month for me to realized that i had to do something about my job. it was a big challenge coz i'm not so blessed with high IQ. i have to work hard to get from pt.A 2 pt.B. (if you can relate to that) the sad part is that i've only worked for this place for less than 5 months and i had a promotion already. now, i was really stuck between thorns. i had a grant and a work promotion. and the challenging part was that. i'm paying for this vocational course. the question is, who's going to pay for this, right? guess what i did? i became a full-time student and finished my course with a GPA of 3.7.(A- ave. 95%). the rest was provided by the Grace of God. Pray without ceasing!! you think i made the right choice? but then, this course wasn't enough for me. i still want to achieve more and that is to graduate from a bachelor degree. i came down here last 2001 to take up Optometry in Cebu. CDC. which is related to the vocational course i have taken there in SF. then later on found out that my being finish with a doctor degree, coming back there will only be honored as an assistant. so that was sad for my part. so i took a semester off and went back to Cali. and plan for my next step. and so i came across with nursing. since i was told left and right, why not take up nursing instead. you know if only knew this was going to happen i would have quit from there and go back to my minimum wage pay and but then regret for of my life time (maybe)for taking the 1st step and pulling it through to the end. but it didn't stop me there. that is why, i couldn't help but reply to your concern. i hope my story will make you understand or see that its ok to go here and study nursing. i'm now second yr BSN, full-time. i'm leaving off of an allowance of $500 a month. were talking about that will pay for everything as i repeat everything. from apt. rent, food. misc. addition to personal expenses too. now tell me, with your work how much are you making a month? between 1-2 thou.? and i'm sure you spent 75% of that for yourself, right? and believe me, i know what i'm talking about.. i was once in your shoes. ( we could be different in that aspect) but i love to travel, that's why. hehe and i could barely keep my bank account happy. anyhow, back to your concern. so is it expensive? for me i think not. as you can see from some of the msgs from the other forums, Philippines is one of the cheap country to finish education. i already justify that for being here. if this break in can help you which i hope it will.. my personal research and studies..hehehe if you start with: ( personal data) $500 a month x 12 = 6000 a yr. or more if you like. $700?? 35-40,000 pesos 1 yr. tuition x 4yrs. (BSN) = 140,000-160,000/53.30 1usd. $3,007.5 (BSN) course. 6,000 3,007.5 $9,007.5 x 4= $36,030 this is the total of 4yrs here in the Philippines. with a BSN.. ??? is $9-10k a year too expensive for 4yrs.?? This may vary of where you stay or the way of life-style you will have here. so they say that most nurses start at the rate of 30-45k a year. so what is the comparison of a life-time achievement to 35-45k a year? Your yearly earning is just a beneficial for your our part. Personally, my main focus now is to finish an education. your still young, and my best advice is.. its self-explanatory. Education first while, your still young coz work and money will always be there where you left it. if someone invented the time machine, i would have done this when i was at your age... I Pray and Wish you all the Best!! God Bless in everything you do from here on now.. ps. hit me up if you need more info...