commander

Hi PLM, I'm also plan on going to SMC for an ADN. My plan is to work part time no more than 20hrs per week until i get to into the nursing program. When I'm actually in the program is when I'll take out loans to cover school/supplies/living expenses. In fact, I'm calling the financial aid office today to talk to them about how to do this. You're young, you have time in your future professional life to pay of your loans, it will be ok. That's the way it works. In the big picture, the loan we'll get in for those two years will be a drop in the bucket in our future salary earning potential. Also, some hospitals will pay 1/2 your tuition loans if you commit to work with them for a year or two. I don't know the specifics of who, but I think Kaiser is one of them. One thing about your post though... is that I think you misunderstand the waiting list procedure. After you finish your prerequisites is when you can apply to be put on a waiting list, which could be up to a two year wait. You can work during that time as well. The key is to not stress, lots of people take out loans, pay them off, and have a career. Have a great day !