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RNStephanie

RNStephanie

Pediatrics
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RNStephanie has 1 years experience and specializes in Pediatrics.

Pediatric Nurse

RNStephanie's Latest Activity

  1. RNStephanie

    NELRP 2010

    Everyone who got acceptance letters, check your accounts today. I got my deposit! Whoo hoo! Also, it would be wise to pay the higher interest loans first than the lower ones.
  2. RNStephanie

    NELRP 2010

    I don't think it matters if the loans are in repayment or if they're consolidated. All the govt wants to know is what's your income, your debt, and what type of facility do you work at. Good luck applying! If I were you, I would go ahead and get all your prommissary notes asap so you have those ready for the application process. I found getting those took the longest for me and Sallie Mae still sent me the wrong ones...
  3. RNStephanie

    NELRP 2010

    Snicci, You make a valid point about NELRP in terms of the program being set up to help those who are really in need. Before I got my acceptance letter, I was looking forward to $2000/mo for 25 years. Because of the current economic situation, no bank is offering loan consolidation so I would have found myself paying $600,000 at the end of the 25 years d/t the interest. $2000/mo is ridiculous! I was at the point of applying for a 2nd full time job just so I would have the money to pay that. Like you and many others, I applied to private and state universities, 7 in all, and was accepted to 5- all private. I'm the first in my family to have a college degree so I had no one to guide me through different types of colleges, loans, scholarships, etc. I did this all myself. You're right, we shouldn't have to justify our debt, what we should be upset about is the cost of an education. Why is it that an education is almost unobtainable? Can you imagine what it's like for someone in a lower socio-economic class to want to go to college, but doesn't have anyone to co-sign a loan b/c of bad credit? There are a lot of real barriers just to getting to school, not to mention staying, and graduating. As nurses we have a culture of cutting each other down instead of helping one another. Our jobs are not just stressful, they take a toll on our emotions, our sanity, and our bodies. It will continue to take nursing years and years to reach the level of respect that doctors have and as long as we keep cutting each other down, we'll take even longer. We're professionals that should be respected and appreciated and thanked the way doctors are. Our debt to income ratios vary by the debt you have and by your income. The mere fact that someone in charge of taking care of another makes an average of $45,000/yr is sickening! Not only are we taking care of someone, we're medicating them, we're arranging consults and coordinating procedures; we're treating wounds; we're feeding, bathing, brushing, changing, and wiping them; we're making sure services are in place for discharge and beyond; we're in the community, in other nations, and in people's homes... we are doing the job of 100 people and only get a national average of $45,000/year and to be trained we're paying $40,000. We don't become nurses for the money, although it does come eventually, we do it because we're a band of people with giant hearts and big brains. If we don't stop cutting each other off at the knees, we'll only continue to make $45,000/year nationally and we'll never have the kind of respect a doctor gets. In addition, I would like to say congrats to all of those who got your awards and for those of you still waiting, keep your heads up, you still have time- it's still only August.
  4. RNStephanie

    NELRP 2010

    Thanks Black Hills Nurse. I would also like to point out that no one enters college with the idea of going into debt; it's just the consequence of getting a good education and I don't think people should be discouraged from getting an education b/c of it! I hear way too many HS grads tell me they're not going to college b/c of the costs and I have to explain to them that making minimum wage anywhere will never get them ahead, especially when they have a family. Just think: if the cost of an education was the reason people didn't go to school, we wouldn't have doctors, we wouldn't have nurses, engineers, professors, lawyers, etc etc... And you can't assume all of those people start out with the silver spoon in their mouths. My husband for example, he's a professor, but had to go to school for a long time and has debt. Like me, he didn't have the parents to help him, so he borrowed. In the long run the debt sucks, but its not credit card debt so its good debt, and in a few years we'll be in a position where we have everything paid off and will start a family. We'll be able to vacation when and where we want, we'll have nice cars, we have great jobs, we love what we do, and we'll have a great home. Again, I stress that no one enters school with the intention of running up debt. I was only lucky to hear about HRSA and am glad I got it. We shouldn't be bitter about others getting the help they need and if you are, then I suggest you find another field to work in b/c a lot of our patients get a lot of help and services we probably would all like to have extended to us. You have to think to yourself, we are nurses, we help others, not just medically, but by looking at the whole picture of what the patient needs, what the community needs, etc. We should want those who are less fortunate to get the help they need so they may add to society, not take from it. Anyway, that's all I have to say. I'm proud of who I am and consider myself fortunate in many ways. We all are.
  5. RNStephanie

    NELRP 2010

    TwinMommy, You forgot to add the cost of living on campus so add $10,000+ and get over it. I'm sure when you filed your FAFSA that your EFC was much less b/c you had kids, I didn't so mine was $11,000 which I COULDN'T afford nor could my family with 2 other kids and a parent in school- that would be about $44,000/yr for college costs... so why don't you do the math, subtract $40,000-5,500 (for scholarships/grants) and multiply that over 6 years. Again, I went to a co-op school in Boston then transferred to a catholic university in D.C. I had to live on campus b/c the cost of living on my own would've justified me getting more loans. And why don't you vote Republican during the next election, I'm sure if they have it their way they'll get rid of most if not all of the financial aid and you or your kids won't be able to further your education... please please vote Republican- I can only hope you did b/c when I went to school, Bush was in office and cut a lot of the education incentives so I had to borrow and screw you out of getting a lousy $27,000 picked up by the government you hate. Boo hoo!
  6. RNStephanie

    NELRP 2010

    TwinMommy, Part of your mistake is assuming some of us didn't work. I did- every minute I wasn't in school and then would be up until 3am most years completing assignments, etc. I went to a school in Boston- it doesn't even matter where I went, if you look up the cost of an education it has historically gone up. I only got $1500 total for the Pell Grant over my years in school. I'm sorry you're so disappointed you feel you're not getting a contract d/t people like me 'taking up the funds,' but if it weren't for people like you taking up govt financial aid WHILE in school, maybe I wouldn't have had to borrow so much. In addition, I also come from a low income family and had 2 other siblings and a mother in college and my govt still gave me little to nothing to cover the cost of my education. I know what it is to struggle, I've been there. I still do financially soley d/t the cost of an education. I will have to hold off having children a few years so I can get situated and pay down this debt and thanks to HRSA, I can do that. I'm sure if you had a 483% ratio, you wouldn't bother complaining that you got the HRSA forgiveness or would you?
  7. RNStephanie

    NELRP 2010

    TwinMommy, I have racked up $229,000 in debt d/t my school being a co-op school so divide 229,000/6 yrs and you get the $40,000/yr of loans... I'm only lucky to have gotten the forgiveness and am happy b/c I don't make enough to pay $2000/mo for 25 yrs. When I started school I assumed I would get scholarships and more federal assistance, but b/c I didn't have kids and I was under 24 while in school, I didn't get enough financial aid to lower my college costs. I guess you can look at it like you got more financial aid while in school b/c you had a kid, and I got it after b/c I racked up debt d/t my govt not having the money to help me while I was in school...
  8. RNStephanie

    NELRP 2010

    Great question! I was wondering the same exact thing. I think it only makes sense to apply the money to high interest loans rather than to all of them.
  9. RNStephanie

    NELRP 2010

    I GOT MY ACCEPTANCE LETTER!!! I was contacted for info in early June and my ratio is 489%. YAY!!!!
  10. RNStephanie

    NELRP 2010

    This is great to hear that people are starting to get their contracts. I just got married and haven't made it home yet to check my mail... I hope there's good news waiting for me!
  11. RNStephanie

    NELRP 2010

    I re-read the stuff on the website and it said people will be contacted for the awards between July 1 and Sept 30. Now to hold our breaths!
  12. RNStephanie

    NELRP 2010

    Hi everyone. Good news, I was contacted for my verification documents. Anyone else? Do we know what this means?
  13. RNStephanie

    A Nurse who doesn't wash hands

    That is disgusting. I know the constant washing is such a pain, but holy hell- touching eyes and then other pt's meds?! GROSS! I would put up such a stink if I knew my family member's nurse wasn't washing her hands between pt's. I put up a stink when my own MD/NP doesn't wash their hands when they are visiting with me. I know others would say that its hard to change a vetran, but come on- MRSA, VRE, C. Diff... that could make someone very sick and its over something as simple as not purell-ing. I would bring it up to someone you feel comfortable telling, like your manager or educator. Tell them not to use your name, but rather in a way that gets her to change her behaviors such as handwashing audits. Our hospital does it randomly to make sure everyone is staying above 95% and in the NICU- 100%! Good luck and remember, you'll be on your own and practice the way you want to soon, so keep up the good hand hygiene!
  14. RNStephanie

    NELRP 2010

    Hey Fellow Nurses (or soon to be), I just want to start the thread on this year's NELRP application- anything about it. The process, the amount of paperwork, our debt/income ratio's, status, etc. Here's mine: the paperwork was a pain. SallieMae took 3 weeks to send me my info and just to be sure I had everything, I called HRSA. I asked the representative what a disbursement report was and if it was the promissary note. His response, "You're lender will know." I asked him 3 different ways, but that's all I got each time. Then I called SallieMae and got "Ruth" in India who had no clue what I was talking about so I asked if I could be connected to someone here in the states. Thankfully the woman I spoke to here knew what I needed and e-mailed it to me. The application says disbursement report or promissary note, but because SallieMae forgot what a promissary note is and they took 3 weeks to send me the wrong info, the disbursement report had to do. I triple and quadruple-checked everything. I even had my lawyer fiance check everything over to make sure it was done right. When I dropped it off at the post office, I remember walking out with my heart pounding and feeling like I was about to burst into tears... as if I knew I sent everything and it was all wrong. I also mailed it with delivery confirmation just to make sure I didn't get some bull crap "we didn't get it" response because I have proof! As for debt/income ratio, mine is 483%... let me repeat, 483%! No joke. Despite applying for financial aid and my parent's low income, I barely got anything for funding so I needed to borrow $40,000+ each year for 5 years (I was in a co-op program) to cover my expenses. So that's me. I'm a pedi nurse in NH and I love my job. I wish I could find out sooner than later if I got accepted. I've heard mixed things about the program and basically all of us who apply are all in the same boat: lots of debt, not enough income. I hope this thread will help us get through!
  15. RNStephanie

    Pearsonvue "Trick". Is this TRUE? Does it Work Every Time?

    I took my NCLEX-RN July 21 at 2pm, got 75 questions and thought every one of them was a shot in the dark. I wanted to cry. I went home, tried the Pearson trick at least 6 times and it kept blocking me from paying. I looked at my board of nursing site less than 24 hours after the exam and saw that I passed, I'm officially a nurse! So in short, yes the pearson trick works.