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  1. #1
    Moderator and Blogger boysRsmelly's Avatar
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    Default Need some serious advice...

    Okay... I want to go back to school and finish my degree. It took me 5 years just to get 2 years worth done because I don't have any money and I have to work all the time. Well... that worked okay for the community college I was going to, but now I need to transfer to a university. I'm really stuck on what to do... I need to work to survive (literally)... but I really want to get through college so I CAN actually make some money.
    Anyway, I finally FINALLY qualify for a grant. The government and the university I applied at are willing to give me $12,000 next fall in grants and scholarships if I go full time (at least 12 credit hours... so like 4 classes because one will be a 4 credit hour class). Well, the problem is that I have bills... LOTS of bills. I am in debt way over my head and I can barely make ends meet. I can't possibly go to school full time and work full time... it just wouldn't work. Another problem is that if I did go to part time status at my job... I would lose my health benefits. I have a medical condition and I have to go to the doctor and take medication on a regular basis. My husband also relies on me for health insurance. Of course if I did go part time... there wouldn't be so many deductions coming out of my check... so I wouldn't be missing as much money as far as pay checks go.
    So in a nutshell... there are pros and cons to both side of this. Honestly girls... what would you do if you were in my situation? I need real answers here... not just a "go for it" (or "don't go for it").

  2. #2
    Rising Bag Star
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    Default Re: Need some serious advice...

    okay. so you want to go back to school. but there is a deilema here. i think i may be able to offer some advice. i went to school for 2 years and i dont even have my AA yet. and i really want to go back to school. someone once told me that when you earn your degree, it is the only thing in your life that nobody can take away from you. and when you go to apply for that better job, you will need that degree. i know you have bills to pay and that you are in debt. but i think that you should make this happen. as for health insureance, i know that a university would offer that to you and porbably to your husband as well. i work a third shift job from 11 pm to 7 am. my job is full time and if i wanted to go to school full time i could. you could consider getting another job to accomadate your school hours. also, another thing that will be hepful is fitting all of your classes into like 3 days a week. like bunch all of you classes into mon, wed fri and that would allow you tues and thurs off. that is what i did and i loved it because i wasn't at school for five days a week. in fact, i did fit all of my hours into tues and thurs one semester, but that is when i dropped out . there are always ways to work around this. I know it will be tough for you, but i say 100%, GO TO SCHOOL and take that money from the government. i mean, seriously, JUMP ON THAT!!! just another 2 years to get your BA and it will fly by before you know it. so, i hope this helps you. but please, take this opportunity you are given because you will regret it and not many others will come around. boysRsmelly, i know it will be hard, but you can do this.
    Last edited by purse-aholic*; April 26th, 2007 at 02:09 AM.

  3. #3
    Moderator and Blogger boysRsmelly's Avatar
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    Default Re: Need some serious advice...

    I wonder if there is any way I can take out a student loan that would be deferred until I graduate... and then use the money to get rid of a monthly payment (e.g. pay off a credit card). I know you couldn't do that with a government loan (e.g. Stafford)... but a private company wouldn't have to know that the government and the college were giving me free money for tuition.

  4. #4
    Hello! LikityKity's Avatar
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    Default Re: Need some serious advice...

    I had a Stafford loan that I was able to get "hardship deferment" on until I graduated. I even got it defered for a few months while I was unemployed.

    What do you want to get your bachelor's in? If it's something that isn't in demand in the job market, and you can't think of how it would directly further you in the career you want to be in, having a bachelor's degree won't do much. I've come to realize that employers want to hire college grads simply because it's evidence of being committed and stable enough to see a challenging, multi-year project through to the finish. In many cases, a bachelor's degree ends up being more of a certificate of good character [please don't take this the wrong way, I'm not implying that you, or anyone else who doesn't have a degree is not of good character, it's just *proof* for a potential employer who doesn't know you,] than it is boost up the career ladder.

    Anyway, I really enjoyed my studies and I still try to stay informed in my major because it's that interesting to me, but it's not very applicable to the job market. If I could do it over again, I'd major in something like business, pre-med, pre-law, maybe economics or, if I could subtract without using my fingers and toes, accounting. In those fields, it's more plausible to turn your degree into $$$. 'Cuz I sure ain't bringing home the bacon at the job I ended up with.

    The important thing is to be sure you know what kind of job you want to use your bachelor's for, to see if that job is accessible with the degree you seek, and plan your college education around that.

    I don't know how helpful I'm being, you have a difficult situation for sure. To sum it up: it might not be worth the effort to work 24/7 so that you can get a degree in something that might be really enlightening for you (i.e., art history, literature, drama, philosophy, psychology), but if you have a specific career goal, all that hard work can really get you ahead. Good luck!!!

  5. #5
    Moderator and Blogger boysRsmelly's Avatar
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    Default Re: Need some serious advice...

    I don't know if I've told you guys this before... but I want to major in biology. Not a bachelors of science degree though... a bachelors of arts degree in biology. This way I have enough "room" to minor in environment studies (its through the sociology department). I am interested in doing conservation. But I work in a retail store... what does that tell you? LOL! I don't even make $15,000 a year and I looked up careers in the field I'm interested in and they start at over $30,000 a year in my state. So that would be doubling my income.
    Does this help you, Likity?
    Last edited by boysRsmelly; May 12th, 2009 at 07:27 PM.

  6. #6
    Hello! LikityKity's Avatar
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    Default Re: Need some serious advice...

    Biology seems to be a pretty popular major, and it would make sense to go for environmental conservation, considering the whole global warming/destroying the planet thing that's started to come back and bite us. Just last night a friend of mine told me he talked to a young woman who works at a coffee shop he frequents, and she has a master's in environmental conservation...I don't know why she works at a coffee shop, but it might be a bad sign for the field. Or maybe he just has a crush on a girl who's totally crazy and can't hold down a job, who knows? At any rate, it's no "party major" and it would be time well spent. Though I bet if you really put your mind to it and did some hardcore networking, you could get an office admin. job right now and make significantly more than you do in retail. Clearly you have computer skills.

    Keep in mind, a minor requires more time and more money. Also, getting a BA instead of a BS won't necessarily make your major any easier. It probably just means you'll have to complete extra-time-consuming english classes, foreign language classes, social studies type classes, instead of some maths and upper level science. Maybe you can major in Biology with a concentration in environmental conservation, or even get your master's in enviornmental conservation with the time and money you'd save by not doing the minor. I just recommend that you focus on jobs available while you're working on your degree, talk to the people in the field and find out what else you need to do while you're going to school that will help you get the job you want. A lot of my friends and I discovered the hard way that once you get through college, you don't automatically get a cool job and make good money. It was a painful lesson. I guess I spent most of my life thinking that things would just fall into place after I got over that hurdle, maybe I was just naive.

    Personally, I think environmental conservation would be really interesting. My major was sociology, and my favorite soc. professor had his doctorate in environmental conservation. So yeah, with all that said...

    "go for it!"

  7. #7
    Moderator and Blogger boysRsmelly's Avatar
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    Default Re: Need some serious advice...

    Hmm... well, I'll probably go for it. I just need to figure out how I'm going to pay my bills while in school. I barely squeak by every month as it is... any ideas to solve THAT problem?

  8. #8
    Moderator and Blogger boysRsmelly's Avatar
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    Default Re: Need some serious advice...

    Great... just great... the debt management company that I went to said that they can't help me because my debt far out weighs my income. Well I'm sorry... but if I was making enough money to pay off my debts then I wouldn't need YOU now would I? Idiots!
    I called the school today and they said that there wasn't anything that they could do for me... it was either go full time and accept the financial aid that they have offered or go part time without any help at all. She said that the government can't give me any more in aid... so she really didn't know what to tell me to do about my living expenses. Why is this happening to me???

  9. #9
    i love myself bagluvah's Avatar
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    Default Re: Need some serious advice...

    oh my gosh boys, i dunno what to say, but really that opportunity is once in a lifetime and that would help you get a more high paying job and to make your life much better in the future.....

  10. #10
    Moderator and Blogger boysRsmelly's Avatar
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    Default Re: Need some serious advice...

    Hehe... maybe my husband would like to move into my parents house!

  11. #11
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    Default Re: Need some serious advice...

    Hi,

    I am going to provide you a link to Troy University. Troy has a distance learning program where you can get your degree online.

    TROY-Montgomery Campus

    Distance Learning | Montgomery Campus

    Montgomery Campus


    Hope this helps. Everything is online.

  12. #12
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    Default Re: Need some serious advice...

    The way their quarters are set up you can take 1 class at a time and complete 5 courses per year or 2 at a time and 10 per year.

  13. #13
    Moderator and Blogger boysRsmelly's Avatar
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    Default Re: Need some serious advice...

    ^^^ Um... I dunno... they don't exactly have the program I am looking for. Thank you though... it was a nice thought.

  14. #14
    Moderator and Blogger boysRsmelly's Avatar
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    Default Re: Need some serious advice...

    Okay... I talked to a coworker of mine that also works for a student loan company. She said that it was totally possible for me to take out a private student loan to help pay some bills. I wouldn't really be incurring more debt... just moving it around a bit. I feel guilty... but I'm not seeing any other choice here. At least the interest rate would be lower...

  15. #15
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    Default Re: Need some serious advice...

    so, what excalty do you want to go to school for? What degree?

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