When people say they live off 'student financial aid'... - Mothering Forums
Forum Jump: 
 
Thread Tools
#1 of 29 Old 05-15-2010, 12:18 PM - Thread Starter
 
heartmama's Avatar
 
Join Date: Nov 2001
Location: In the bat cave with Irishmommy
Posts: 6,299
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
...can you tell me what they are talking about?

The most you can get with FAFSA is 2750 a semester, and most university grants are in the 1-5k range per semester.

When people say they "live off" financial aid...what does that mean? It pays the rent? The utilities? Food? That would require at least 20k a year. Are people getting that kind of grant and loan money? What is the secret?

Mother is the word for God on the hearts and lips of all little children--William Makepeace Thackeray
heartmama is offline  
#2 of 29 Old 05-15-2010, 03:44 PM
 
moonyoungi's Avatar
 
Join Date: Jul 2007
Posts: 285
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Financial Aid Year 2009-2010


Aid Year


Award Description Category Offered Accepted Loan Details Select/Review Lender
Federal Pell Grant Grant 5,350.00 5,350.00
Federal Pell Grant 2 Grant 892.00 892.00
National SMART Grant 3 Grant 2,000.00 2,000.00
National SMART Grant 4 Grant 2,667.00 2,667.00
Cal Grant B Fees Grant 4,026.00 4,026.00
Cal Grant B Access Grant 1,551.00 1,551.00
State University Grant Grant 1,118.00 1,118.00
Stafford Subsidized Loan Loan 5,500.00 5,500.00
Stafford Unsubsidized Loan Loan 7,000.00 7,000.00 Loan Details Select/Review Lender
Aid Year Totals 30,104.00 30,104.00


I take out maximum loan...which isn't ideal.

Secret....? I dunno. I just file fafsa every year. I it also depends on where you live (cost of living) and the state that you are in, your income level, your parents income level, how many kids do you have, etc. Also I get extra grant (SMART grant) for being a science major, which I think is kind of unfair, but hey...I will take what I can get. Oh and to get Cal Grant (the state one) you have to keep up you GPA above 3.0 or something like that.

And I think it also depends on your degree program. Are you going for AS, BS, MS, doctoral, professional; Are you in private school, state school, community college, big university, small university etc; Are you full-time, part-time. So lots of variables.
I attend one of the CSUs for undergrad science program, by the way.

For example, before I transferred to four year university, I only received about 1000 per semester at a community college, which isn't enough. Now I receive about 5000 per quarter, which helps a lot more. But I also work part time by tutoring SAT. I also barter childcare by working at my kids' daycare, so I don't pay anything there, which is super lucky for me.
moonyoungi is offline  
#3 of 29 Old 05-15-2010, 03:54 PM
 
nolansmummy's Avatar
 
Join Date: Apr 2005
Location: middle of nowhere
Posts: 2,411
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Our awards look alot like that too. Me and Dh are both going to school full time too. We go to a state university in the midwest. the area has the highest COL for the state- but its fairly cheap compared to other areas of the country.
Our leftover F.A (after paying tuition and fees) goes toward
1. books
2. School supplies
3. Rent for 6 months ( we pay a semester at a time, our rent is 900$ per month)
4. Bills ( usually not enough to pay more than one or two months of all)

My dh also works pt during the semester to pay our bills.

E Veg*n Mom to ds 6 : dd 3
nolansmummy is offline  
#4 of 29 Old 05-15-2010, 05:57 PM
 
One_Girl's Avatar
 
Join Date: Feb 2008
Posts: 4,707
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 15 Post(s)
I think some people who live off of their loans also have food stamps, daycare subsidy, and sometimes rent assistance that they also live off of. It is probably possible with all of those things and a cheap apartment.
One_Girl is online now  
#5 of 29 Old 05-15-2010, 06:16 PM
 
kittywitty's Avatar
 
Join Date: Jul 2005
Location: The Room of Requirement
Posts: 13,464
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 1 Post(s)
I did this for two years before getting married and becoming a SAHM. Someday hopefully I'll finish school! I got max financial aid and loans. Of course, my tuition was inexpensive in-state and my rent & utilities were super low. I had daycare assistance but had to pay ($500+ a month for two kids not even 40 hours a week!) for months I didn't have classes-like in between fall and spring or spring and summer classes since that was daycare policy. And I had to work 10 hours a week minimum to get that, so if my work was off or I was sick for a week, I had to pay $500. Otherwise, our COL was low and no food stamps, child support, or anything.

AP Mom to 5 knit.gifhomeschool.giftoddler.gif
 
  

kittywitty is offline  
#6 of 29 Old 05-15-2010, 07:01 PM
 
no5no5's Avatar
 
Join Date: Feb 2008
Posts: 2,635
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
DH & I did it for almost 8 years (before DD was born). We had mostly need-based financial aid (federal grants, school grants, work study, and federal loans). We still have LOADS of debt. But yeah, considering we paid our rent, bought two cars and two computers, paid for (cheap) vacations, ate food, etc., we did pretty well. We did work part time, for a few months here & there. But it really didn't pay to work, because any money we earned was less financial aid they'd give us.

I actually did better at an expensive private school for undergrad than at a cheap state school for grad school, because the financial aid was far better. I had a full ride merit scholarship (tuition, books, and $8,000 a year) for my grad school, and I still have more debt from that than I do from my undergrad, where all I had was need-based aid.
no5no5 is offline  
#7 of 29 Old 05-15-2010, 07:22 PM
 
Join Date: Mar 2005
Location: crazy with Vertigo
Posts: 2,348
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Wow, I'd love to knwo how to get approved for all that! I did the FAFSA and all we qualified for was Stafford Loans.

We are barely making ends meet on my DH's self-emp income, yet we are still being told that our EFC is over $6600 (!) There is *no way* that we can afford to pay that much OOP for him to finish his degree and we need him to finish his degree to improve our financial situation.

I'd love to know the secret. We aren't able to afford vacations, have had to cut back on kid's activites to the point that they aren't doing much at all and have to put groceries on credit cards. We had to cancel our health insurance and move to a much smaller place... and still do not qualify for much aid.

Black Orchid is offline  
#8 of 29 Old 05-15-2010, 08:24 PM - Thread Starter
 
heartmama's Avatar
 
Join Date: Nov 2001
Location: In the bat cave with Irishmommy
Posts: 6,299
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
I do file my FAFSA and have a zero EFC but all I get is the Pell Grant and small school grant which are eaten up by in-state tuition and books. They do offer me loans, and I haven't taken them...so maybe that is what I'm missing. But I am so scared of debt! Grant money though, I say yes to it all of course.

Mother is the word for God on the hearts and lips of all little children--William Makepeace Thackeray
heartmama is offline  
#9 of 29 Old 05-15-2010, 08:59 PM
 
BunnySlippers's Avatar
 
Join Date: Oct 2007
Location: Fluffierville
Posts: 2,735
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Canadian response:
first year $18,000, second was roughly 17,000, plus a grant for having a dependant, and a grant for being low income. Came to about $1500 first year, and..$1700? second year combined grant total.
The grants are automatic and do not get paid back. The government student loan I only have to pay back $7000 for each year..and if I can't afford it I can have it reduced or put off. After 15yrs it is wiped out entirely if I still owe anything.
It still requires major cut backs and being careful...but it is definately doable.

Decluttering 500/2010
BunnySlippers is offline  
#10 of 29 Old 05-15-2010, 11:04 PM
 
shayinme's Avatar
 
Join Date: Jan 2005
Location: land of lobster and lighthouses
Posts: 5,320
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
Originally Posted by heartmama View Post
...can you tell me what they are talking about?

The most you can get with FAFSA is 2750 a semester, and most university grants are in the 1-5k range per semester.

When people say they "live off" financial aid...what does that mean? It pays the rent? The utilities? Food? That would require at least 20k a year. Are people getting that kind of grant and loan money? What is the secret?
I got my BA about 10 years ago and my Masters back in 2006. When I was in undergrad once I hit junior/senior year I was able to borrow more money. I think my refund loan checks were like $800-900. Clearly could not live off that. But when I got to grad school, I was able to take out a lot more money, so I had loan refund checks in the $4500-6000 range which I did use to supplement my part time job.

Honestly it was a mistake, these were all federal loans and all told my student loans thanks to taking out the max (I went to private schools) was in excess of $100,000. Nope i haven't paid it off, not sure I ever will.

Knowing what I now know, I would advice against taking out extra money to live off of unless you have no other choice.

Mothering since 1992...its one of the many hats I wear.
shayinme is offline  
#11 of 29 Old 05-16-2010, 12:22 PM
 
sparklefairy's Avatar
 
Join Date: May 2005
Posts: 1,948
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
EFC doesn't mean what you're expected to contribute to just tuition for school -- they take into account what his living expenses would be also. Does that make sense? So you're probably already paying that $6600 toward rent or mortgage, food, clothing, etc.

Quote:
Originally Posted by Black Orchid View Post
Wow, I'd love to knwo how to get approved for all that! I did the FAFSA and all we qualified for was Stafford Loans.

We are barely making ends meet on my DH's self-emp income, yet we are still being told that our EFC is over $6600 (!) There is *no way* that we can afford to pay that much OOP for him to finish his degree and we need him to finish his degree to improve our financial situation.

I'd love to know the secret. We aren't able to afford vacations, have had to cut back on kid's activites to the point that they aren't doing much at all and have to put groceries on credit cards. We had to cancel our health insurance and move to a much smaller place... and still do not qualify for much aid.
sparklefairy is offline  
#12 of 29 Old 05-16-2010, 02:48 PM
 
Drummer's Wife's Avatar
 
Join Date: Jun 2005
Location: Land of Enchantment
Posts: 11,823
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
Originally Posted by sparklefairy View Post
EFC doesn't mean what you're expected to contribute to just tuition for school -- they take into account what his living expenses would be also. Does that make sense? So you're probably already paying that $6600 toward rent or mortgage, food, clothing, etc.
Right. My EFC is not 0 (anymore), but I can't recall the amount now b/c it hasn't changed the fact that I still get enough aid to cover my full tuition and books - with enough left over to pay a couple bills/buy a computer/etc.

It might depend on your school (community college vs. university) but the biggie is if you live on campus or not. Most parents rent or own a home, so it's a non-issue. I think my community college estimates my cost of attendance to be something like $30K a year - even though the classes are really cheap (like less than $50 a credit). They are factoring in a portion of housing, childcare, vehicle/gas, food, etc. As a family of 6, it costs us more than $30K to live for a year - and we don't live off financial aid as my DH works full-time and I was a SAHM before going back to school - but they calculate that my portion of the costs are about $30K - and figure my need-based aid off that. I don't have to pay anything out of pocket for school right now.

Some people do make too much (and/or have a small enough family size), that they don't get any grants or forms of aid besides loans -- but the EFC doesn't mean you necessarily have to pay that amount in order to attend school.

ribboncesarean.gif cesareans happen.
Drummer's Wife is offline  
#13 of 29 Old 05-16-2010, 07:34 PM
 
Join Date: Mar 2005
Location: crazy with Vertigo
Posts: 2,348
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Okay, I understand that, it makes sense... but we still didn't qualify for anything other than a stafford loan. After further conversation, we are suspecting it is because he is self-employed and his inventory is worth $30K. That is his business, but it considered an "asset"... not that we could sell it off and use the money for anything... because that is what is used to fuel the business

It just sucks to want to get ahead and do better but be stuck. I suspect we are right at the bottom of "well off enough to be expected to pay". Except that we aren't well off at all and don't have the resources to pay for things for our family, let alone fund college. We don't qualify for any kind of aid.

Black Orchid is offline  
#14 of 29 Old 05-16-2010, 08:48 PM
 
PlayaMama's Avatar
 
Join Date: Apr 2007
Posts: 2,763
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
Originally Posted by Black Orchid View Post
Okay, I understand that, it makes sense... but we still didn't qualify for anything other than a stafford loan. After further conversation, we are suspecting it is because he is self-employed and his inventory is worth $30K. That is his business, but it considered an "asset"... not that we could sell it off and use the money for anything... because that is what is used to fuel the business

It just sucks to want to get ahead and do better but be stuck. I suspect we are right at the bottom of "well off enough to be expected to pay". Except that we aren't well off at all and don't have the resources to pay for things for our family, let alone fund college. We don't qualify for any kind of aid.
look into PLUS loans. you might be able to take those out to cover your portion. i'd also check about getting a private loan.

i often found a discrepency between what the school thought i needed to live and what i actually did need.

eh. who needs a signature?
PlayaMama is offline  
#15 of 29 Old 05-17-2010, 09:16 AM
 
shayinme's Avatar
 
Join Date: Jan 2005
Location: land of lobster and lighthouses
Posts: 5,320
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
Originally Posted by Black Orchid View Post
Okay, I understand that, it makes sense... but we still didn't qualify for anything other than a stafford loan. After further conversation, we are suspecting it is because he is self-employed and his inventory is worth $30K. That is his business, but it considered an "asset"... not that we could sell it off and use the money for anything... because that is what is used to fuel the business

It just sucks to want to get ahead and do better but be stuck. I suspect we are right at the bottom of "well off enough to be expected to pay". Except that we aren't well off at all and don't have the resources to pay for things for our family, let alone fund college. We don't qualify for any kind of aid.
If he took out federal student loans (never the private ones) could he afford the cost of school then? Will his career path make it worth the cost of the loans? I didn't qualify for anything but federal loans, and the occasional small scholarship based on merit once I was in school. Yet while I don't make as much as I would like (mostly because of location) I have a solid career path that I did not have beforehand.

I would have loved to have been able access to things like grants to decrease my costs but my income was too high.

Mothering since 1992...its one of the many hats I wear.
shayinme is offline  
#16 of 29 Old 05-17-2010, 11:21 AM
 
Holland73's Avatar
 
Join Date: Jan 2004
Location: Urban Jungle on the Bay
Posts: 2,755
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 2 Post(s)
Quote:
Originally Posted by PlayaMama View Post
i'd also check about getting a private loan.
I'd be VERY, VERY careful about going the private loan route.

Read ALL of the fine print and be honest with yourself about whether or not you can pay it back, based on their terms.
Holland73 is online now  
#17 of 29 Old 05-17-2010, 03:06 PM
 
t2009's Avatar
 
Join Date: Sep 2009
Location: Somewhere between here & there
Posts: 570
Mentioned: 22 Post(s)
Tagged: 0 Thread(s)
Quoted: 6 Post(s)
Quote:
Originally Posted by Holland73 View Post
I'd be VERY, VERY careful about going the private loan route.

Read ALL of the fine print and be honest with yourself about whether or not you can pay it back, based on their terms.
ITA.

I have (reluctantly) taken on a boat-load of debt for grad school but I have stuck strictly to federal- and school-funded loans. The ONLY reason I felt comfortable doing so was because if something were to happen to me (death, injured such that I can't work, etc.) my DH will not be stuck with the debt. I couldn't imagine him having to repay my loans while trying to raise DS -- simply would be impossible given his earning potential.

I'm not sure private loans (or even PLUS Loans) have debt write-off in that case but I'd doubt it.

... Just one more thing to think about...

Mama to my little busy bee. 

t2009 is offline  
#18 of 29 Old 05-17-2010, 04:14 PM
 
Holland73's Avatar
 
Join Date: Jan 2004
Location: Urban Jungle on the Bay
Posts: 2,755
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 2 Post(s)
Quote:
Originally Posted by t2009 View Post


I'm not sure private loans (or even PLUS Loans) have debt write-off in that case but I'd doubt it.
There are 2 types of PLUS loans and both are federally funded:

1. Parent PLUS loans, in which parents borrow the money for their child -- undergraduate only

2. PLUS loans for graduate students, which has NOTHING to do with parents. This is how I am funding my grad school expenses.
Holland73 is online now  
#19 of 29 Old 05-17-2010, 04:26 PM
 
an_aurora's Avatar
 
Join Date: Jun 2006
Location: Palmer, AK
Posts: 6,492
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
We are "living off of" financial aid here. We are paying $$*&^% out of state tuition, and grants cover most of it. We are also maxing out our student loans, and paying rent one semester at a time. During the semester we both work (me 2-12 hour shifts, DH 2-8 hour shifts on the weekend) and that almost covers utilities, car payment, gas, and child care. We are still alternating utilities (paying gas one month, electric the next) and are barely, barely getting by.

ETA: by "maxing out" student loans, I mean government ones; we have not and will not touch private loans.

CPST & mom

an_aurora is offline  
#20 of 29 Old 05-17-2010, 06:28 PM
 
Join Date: Mar 2005
Location: crazy with Vertigo
Posts: 2,348
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Well, we aren't 100% sure what his goal is yet. He has a mish-mash of undergrad credits, but not enough to graduate in one are aof study. We aren't sure if he will use his education to improve his business (which has fallen off a cliff in the past three years) or find steady employment...

We aren't going anywhere near private loans. We don't have the money to pay that kind of interest. I like the idea that the Staffords, etc payments can be structured based on income, etc.

The place he going to go doen't seem expensive, but it is a private college. It runs about $550 per credit PT. It is very close to us, has really great instructors and has a program for returning adults which is why he picked it.

Interesting discussion. I am learning alot. Thank you for letting me pick your brains!

Black Orchid is offline  
#21 of 29 Old 05-17-2010, 06:35 PM
Dar
 
Dar's Avatar
 
Join Date: Apr 2002
Location: St. Louis, MO
Posts: 11,768
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Heartmama, have you looked into scholarships? During my undergrad years I didn't take any loans but I got scholarships that covered tuition and had my pell and some other grants for living expenses and books...

 
fambedsingle1.gifSingle mom to Rain (1/93) , grad student, and world traveler earth.gif


  

Dar is offline  
#22 of 29 Old 05-17-2010, 06:48 PM
 
lunarlady's Avatar
 
Join Date: Jan 2010
Posts: 1,330
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
We "lived off aid" for a couple years when both DH and I were in grad school at the same time. Basically, I took my max Stafford loan, which covered books, tuition, and a few cost of living things (like food). DH took his max federal loans AND private loans. Those covered his tuition, books, and our rent. I worked part time to pay for the TV, phone, gas, and cars. We did not live very well, and ate quite a bit of pasta, rice, and beans, but we did live. I can't imagine doing it with children, as there is no way the amount we had would have covered childcare. That being said, we ended that journey well over $100,000 in debt, so looking back I wish I had gone to school a little less, worked a little more, and not taken so many loans. Paying these things off has been a serious pain that is not likely to end for at least another 10 years. (And we've been paying for over 8 years now!)

CD'ing, homebirthing, milk making school teacher. Supporting my family on my income and trying to get out of debt in 2013!
lunarlady is offline  
#23 of 29 Old 05-23-2010, 12:59 AM
 
CarsonBookworm's Avatar
 
Join Date: Sep 2006
Location: Somewhere
Posts: 726
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
We're doing exactly that right now....
I went back to school last fall with an EFC of 0.
I got the max Pell grant and took maximum Stafford Loans. DH was on UI, so between both sources, we got by.


He is returning to school this fall, but since his classes are totally online, Unemployment says that he would still be eligible to collect since he is 'ready and able to work' so we'll still get that. We both get the Pell of 2775 per semester, plus Scholarships. We're planning to take out Staffords as well.

Working jammin.gif Student Mama to a energy.gif4 y/o.

CarsonBookworm is offline  
#24 of 29 Old 05-26-2010, 06:03 PM
 
jshannyn519's Avatar
 
Join Date: Apr 2008
Location: Fort Worth, TX
Posts: 974
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
I live off my financial aid as well. I have an EFC of 0, but I'm also a single parent with two children. There is a distinct advantage to single parenting and not getting child support - I get a LOT of help with school. I have the Pell Grant, SEOG grant, subsidized and unsubsidized Stafford loans, a scholarship for $4500, and a total of $15,000 in grants that come directly from my university. I also qualify for $2000 a year in work study funds, but I only get that if I can find a work study job, which has yet to happen.

My financial aid package at my expensive private university is WAY better than what the local community college was offering. My university is endowed so there is a huge pool of money available to students. And since I am a non-traditional student (over the age of 24, or with children, or both) I qualify for a lot of aid that the regular out-of-high school students don't.

I know that a lot of people don't want to get loans and I can understand not wanting to saddle yourself with a bunch of debt. But look at it as an investment in your future. You take out a student loan now, and finish school quickly, and then you'll be making good money and you can pay it back.

Jenni
Momma to my boy (1/99) & girl (7/00), Birthmomma to my Ladybug (8/09), the new baby monkey boy born 6/6/11!
Student nurse, doula, future midwife, and breastfeeding, bedsharing, babywearing, organic gardening, God-loving single momma

jshannyn519 is offline  
#25 of 29 Old 06-06-2010, 10:49 PM
 
Girlprof's Avatar
 
Join Date: Jun 2007
Posts: 1,029
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Blackorchid, have you set up a meeting with the financial aid office? In your situation, I wouldn't rely on forms to have anyone figure out your aid eligibility. If the school has aid available, try to set up an in person meeting to go over everything. Good luck!
Girlprof is offline  
#26 of 29 Old 06-07-2010, 04:00 PM
 
Sativarain1's Avatar
 
Join Date: Feb 2003
Location: Pacific Northwest
Posts: 1,872
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
I'm happy to learn that University students qualify for more grants. I have been in a community college and have just the pell. (Which of course I'm very thankful for)

"If you truly love nature, you will find beauty everywhere." -Vincent Van Gogh
Sativarain1 is offline  
#27 of 29 Old 06-08-2010, 01:33 PM
 
earthyamber's Avatar
 
Join Date: Apr 2007
Location: Airway Heights (Spokane), WA
Posts: 372
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Both my husband and I are students at a community college. Next year we will both be at a university. We live on financial aid grants and loans. We have an EFC of 0 so we get the maximum of all aid offered. Neither of us work, we just go to school. I do online classes nealy 100% of the time and so does my husband when he can. We do this so we don't have to pay childcare. Our financial aid pays for everything we need. We do not have a car, so no car payments or insurance (we take the bus everywhere). Our rent is $575 a month. We pay water/power/garbage/internet and that is about $130-150 a month. Food is about $300-500 a month. Then we have normal household items we need, school books, etc.

Amber (31) - Married to my high school sweetheart for 13 years, mom of 4 amazing kids (ages 12, 8, 3, and 16 months), homeschooler, and expecting our 5th child around May 18th!
earthyamber is offline  
#28 of 29 Old 06-08-2010, 04:14 PM
 
Join Date: Mar 2005
Location: crazy with Vertigo
Posts: 2,348
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Wow, I guess he needs to stop working and I need to join him at school.

We qualified for a whopping $1800 in state grant and it looks like the $12K its going to cost over that will have to be in loans. Sucks. And the college doesn't feel we qualify for any need-based stuff either.

It sucks to be in the big donut hole of not being able to afford education, but having too much to be considered "needy". Honestly, I'm feeling pretty bitter after reading a lot of these replies. Here we are, working 70+ hours a week, falling behind and trying to plan to have a better future and there is no meaningful help for us.

Black Orchid is offline  
#29 of 29 Old 08-11-2010, 03:05 PM
 
AugustLia23's Avatar
 
Join Date: Mar 2004
Location: In the present
Posts: 3,572
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
bump, thinking of how to make this happen while I work on pre-req's.

Non Practicing Midwife, going back to school! Mamma to my 3 loves, living each day to the fullest.
AugustLia23 is online now  
Reply

Quick Reply
Message:
Options

Register Now

In order to be able to post messages on the Mothering Forums forums, you must first register.
Please enter your desired user name, your email address and other required details in the form below.
User Name:
If you do not want to register, fill this field only and the name will be used as user name for your post.
Password
Please enter a password for your user account. Note that passwords are case-sensitive.
Password:
Confirm Password:
Email Address
Please enter a valid email address for yourself.
Email Address:

Log-in

Human Verification

In order to verify that you are a human and not a spam bot, please enter the answer into the following box below based on the instructions contained in the graphic.



User Tag List

Thread Tools
Show Printable Version Show Printable Version
Email this Page Email this Page


Forum Jump: 

Posting Rules  
You may post new threads
You may post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are Off