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To Work or Not, I Need Advise!!

Students   (1,187 Views 12 Comments)
by krazy_coconuts krazy_coconuts (Member)

krazy_coconuts specializes in ICU.

2,331 Visitors; 71 Posts

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Just wondering...have any of you opted not to work while in NS and taken out a loan to support yourself? I've been working part time as a CNA while in school, but have been very overwhelmed and stressed out and I'm considering quitting. What would you guys do? BTW...I'm single, no kids and don't have rent or a car payment. I basically just need money for gas and food.

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purple_rose_3 has 6 years experience and specializes in Intensive Care and Cardiology.

5,588 Visitors; 260 Posts

That is a decision that only you can make, but if you think working is going to hinder your school work what is more important to you? Working or getting your degree?

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5,504 Visitors; 534 Posts

I am single, but do have rent and such to pay (though the car is paid off). I work part time but it isn't enough to cover everything. I make little enough money that I get a grant that pays for my tuition (which ends up being less than $4000 a year) and I take out the stafford loan. I am going to have some debt when I am out of school, but I will also be making enough money to pay it back.

I say go for it, but do the federal loans, subsidized (i think) is the one that you don't pay the interest on while you are in school.

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1,805 Visitors; 81 Posts

I worked part-time through my first semester of NS. I was really stressed out and I knew the nursing program was going to get even harder so I decided to quit my job during my 2nd semester. I'm married with 1 child and right now we are living just off of my husband's income. Money is tight and we have to make sacrifices to get by, but we know this is only temporary and things will get better once I graduate and get my first job. I feel so much better now that I can focus only on school. Some people can work throughout NS and do just fine, but there are others (like me) that just can't. For me, it's either work or school but not both. If you are stressed because of your job and you don't have many bills I would say don't work and just take out some extra loan money each semester for gas and food. But this decision is yours to make and you just need to weigh the pros and cons of the situation. What is most important to you? Good luck!

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Megsd specializes in Neuro.

5,867 Visitors; 723 Posts

I'm in an accelerated BSN program where we were "strongly advised" not to work, so I'm not. I got a sponsorship from a local hospital (I did lots of research before accepting it, though) which has paid for almost all of my living expenses, and I took out some federal loans through school to cover tuition. When all is said and done my loan payments after graduation will only be about $150 per month total, so I feel this was the best choice for me.

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8,513 Visitors; 1,714 Posts

If I had lived here longer or done better research, I could also have a hospital job that paid all my tuition, books, etc., on top of good money, and I would have done everything in my power to keep it - and they usually require 16 hours/wk here. Instead, I'm bartending that many hours. I am married, and his paychecks will cover all of our bills - with about $1.50 left over, but that's after groceries too. I applied for loans starting thsi fall - my second semester - and I'll reevaluate work once the award comes back. If I can work at all fall semester I probably will, and I'm planning on quitting in January. I'm in an ABSN program as well, and we don't "accelerate" until the last 2 semesters. I wish I could quit now, but it'll just be too hard financially.

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Lisa CCU RN specializes in Geriatrics, Cardiac, ICU.

6,938 Visitors; 1,531 Posts

If I had no kids, I'd work. But seeing how I have zero support from the kids father, I take out max on loans to support myself. Our program is full time days and to get a babysitter would take up most of the check I'd make, so it isn't worth going. I need time to study during the week too because I can't on the weekends.

So, my answer is yes, I take out loans to live on and yeah, I'll have about 80000-90000, but I can get income contengient payback upon graduation and my employer pays $250 a month, so I'll just go to grad school and up my income. I don't really care if I pay on it for 30 years. It's better than being uneducated all my life right?

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455 Visitors; 3 Posts

I would love not to work, but have too even with student loans. I'm not married and have to kids, but do have bills and rent and a car payment. I just figure that I only have to do this for 2 years and will survive one way or the other.

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MikeyJ is a RN and specializes in Peds, PICU, Home health, Dialysis.

9,216 Visitors; 1,124 Posts

It really depends on how intense your program is. I am in a very intense program (15 month accelerated BSN program) and working anything over 15 hours a week is not feasible for me. I worked 20 hours a week my first few weeks and as a result bombed my first nursing exam. Since then I have spoken with my manager to come in very early in the morning and leave early afternoon.

Unless you have kids, I don't see why a nursing student couldn't work 15 hours a week or even more if you are in a less intense program. You have to ask yourself if you would literally study for 16 hours straight on days you don't have classes? I doubt it.. so why couldn't one work a 6 or 8 hour shift a few days a week. Furthermore, I strongly believe that students who work 10 to 20 hours a week will end up doing better because they KNOW they have to study during their down time. Unlike people who have no job, no kids, no other committments tend to procrastinate.

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2,725 Visitors; 151 Posts

If you really only need money for gas and food, then I don't think you need to work. You need to take advantage of the time you could be working and just apply yourself more to your studies, especially if you are getting overwhelmed. You don't want to get behind. If your taking out loans anyway, you might want to pass the classes- right! Because you do pay them back whether you pass ns or not. Hey, just be one of those fortunate students that doesn't HAVE to work and enjoy school more.

Kim

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SummerGarden has 10 years experience as a ADN, BSN, RN and specializes in ED and Acute Care.

36,360 Visitors; 3,005 Posts

Just wondering...have any of you opted not to work while in NS and taken out a loan to support yourself? I've been working part time as a CNA while in school, but have been very overwhelmed and stressed out and I'm considering quitting. What would you guys do? BTW...I'm single, no kids and don't have rent or a car payment. I basically just need money for gas and food.

Gas and food? How about an on campus student job, rather then a loan???? They work around your schedule and many times you can study during your work hours (I see lots of students with books open in his/her laps or typing up essays on their work computer when it is slow). GL.

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3 Followers; 95,957 Visitors; 36,552 Posts

I had no choice. My financial aid was limited to loans and I could not get enough to cover my expenses. I maxed out cash advances on my credit cards, a dangerous practice, which in my case turned out to be disastrous. I worked full time and as much part time as I could get my hands on. Tried to get grants and scholarships. Just plain couldn't make it and then I got sick and lost my full time job. There it all went, down the tubes except for the bills that came due. Moral of the story: Save up as much as possible before you start, or do some better planning. You can't rely on the unforeseen not happening to you. I had no backup plan.

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