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Going to school to support yourself

828 Views 16 Replies 15 Participants Last post by  LoveOhm
I'm very new to this forum and not *technically* single yet, though my relationship with DP is circling the drain and might as well not exist. I'm trying to play nice while planning for how to care for my daughter and myself alone. I've always wanted to go to college and I read in a few different threads that some mama's go to school full time and use their student loans to pay for their needs as opposed to getting a minimum wage job. I couldn't make more than $8 an hour right now and I just don't see how we could get by on that. Has anyone done this? Any advice?
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I am in the same place right now. My earning potential is about 8/hr, and I just dont see how I can make it work doing the minimum wage thing. So I am choosing to enroll part time this summer, and enroll full time in the fall at the local community college, and live on whatever financial aid I can get. I still am going to need very cheap (think subsidized) housing, food stamps (and local food banks when necessary), and whatever else I can find for low-income resources, as I dont anticipate my stbx paying any child support, or doing it reliably.

But I think I can make it work, and I am actually REALLY excited to be doing something worthwhile while my ds is little. By the time I have a degree, he will be in school, so I will have MUCH more freedom in terms of job choices. And I am hoping to take several online classes so I can still spend a majority of my time with him.

I would also like to hear some BTDT from other moms who have done school while single parenting.
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I mean, you COULD get by with minumum wage if you got housing and that. I plan on working 20 hours a week when the baby is about 12 weeks old. I can do that, still collect welfare/food stamps, hopefully get some child support (the new babies dad works a legit job so it will be coming directly from his check). I am currently studying to become a Birth Doula. I figure that at least 3 clients a month will get me in a good place...


School and work is hard with kids, but you can do it MAMA!
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for my dd and me my biggest expense is housing. my next biggest expense would be my car. we could live on v. little money for food. i cannot live on financial aid. i have to work part time too. getting by would be really tough but it can be done as long as you dont have to pay dc.

i am in the midst of sorting that out. one thing i do know i cant be a full time student and work part time. i dont have enough help and i would miss out a lot with my dd.
Be very wary of accruing this kind of debt, and if you're going to do it, go for a degree that will position you for a well-paying, in-demand career that would work for a single mother. Be sure you're ready to be a serious, committed student so you can move through efficiently and with good grades.

You've got to be practical. Nursing, x-ray technician, teaching, etc. Don't saddle yourself with this kind of debt for an art history degree. This is NO offense to art history majors. If you're 18, and don't have kids, and possibly have family financial support, major in whatever you want. But when you're a single mom who is financially responsible for one or more kids, prudence must reign.
I live with my mom right now, so I'm not forced to live off student loans. However, I have a fairly good idea of how it could be done.

I'm going to a local community college right now, in their pre-nursing program (nursing is very single mom friendly). I've taken 13 hours (12 is full time) this semester & last. Because I am on food stamps, I qualify for a full Pell Grant. The Pell Grant pays for my tuition & books & other supplies, with some left over. I could also get minimal health insurance through the school for less than $200/semester--that wouldn't eat up the entire Pell Grant either. The school also provides daycare, but I don't know the specifics as far as cost.

Subsidized & unsubsidized student loans are slightly over $4000/semester. Fall semester is approximately four, four and a half months long. Spring semester is a little longer. There are beaucoup cheap apartments within walking distance of the college. With just one kid, you could easily rent a studio or one-bedroom apartment. It wouldn't be a nice apartment, but here at least you'd be able to find something around $400-$500 month with at least water paid without too much trouble. It'd be easier if you split a 2-bdrm with a roommate, but the trade-off there is that you'd have a roommate.

Food stamps for my family are going up to just over $500 a month this month. BUT, I have three kids, & I know the exact number varies by region. (I also imagine Orlando has a higher cost of living.) So, you might get $200 or so a month. You can also qualify for WIC if you don't already get it, and that will cover a lot of food. It might be worthwhile to apply for TANF (welfare); I gather the amount is very low, but it would still be another crutch & going to school probably would excuse you from the work requirement. And I assume you would also be getting child support.

So. A struggle for a couple of years or a struggle for a lifetime. Pretty easy choice, right?

ETA: I'm also going to be applying for Project Quest, once I get my prerequisites. This is a program where, if I am accepted, they will pay for my nursing school, and in return I'll promise to work in the city for 3 years. Since I can't (and WON'T) move out of San Antonio anyway, it's not a hardship for me at all.
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didn't read all the responses, but I went to school at night when I sensed a change in our life, my stbx was slowing down/work wise, and I was slowing down/him wise


I got a crappy Associates, though, the lowest paying there is, so don't make that mistake. But I am still glad I did it, because when I was graduating, my stbx totally stopped working/business went under, so I stayed for a year and supported us while he went to school. He just graduated, and I moved out. good timing all around.

I got a Medical Assisting degree, and was VERY lucky to get a rare and much desired position in an Emergency Department, doing Medic type duties. I love love it. I didn't like the midnights, and long shifts (12 and 16 hours, sometimes) and once I was totally on my own, it wasn't compatible with figuring out shared custody. So again, with my ER experience, and great transcript (4.0, valedictorian) I landed a higher paying M-F/8-5 position with a GI surgeon. I am so happy, and make a bit more than what is typical for my degree.

Anyway, I would recommend going back at night if you have to, getting a degree in one of the higher paying, growing careers. That's the one good thing about Med Assisting, the pay sucks but the demand is incredible. Everyone is loosing their jobs, but i always had offers and options left and right.

my student loans aren't CRAZY, which is good. I pay back about $129 a month. You have to make enough to support yourself and your children AND pay those back. As an x-ray, ultrasound, nurse, even an LPN, you could make enough to do that. the hours/shifts kinda suck, though.

That's another good thing about Med Assisting; the shifts are all doctors hours, no evenings, no holidays, no weekends...if you can land a higher paying position (Dermatology, Dental, Surgeon) it is doable. Its fun, too....I am not on my feet constantly like in the ER, I get to know pt's better....I just really really love what I am doing.

good luck to you, this is the most difficult time...but you will work hard and come out of it better. There is nothing more satisfying than being free from a lacking relationship, supporting yourself and your kids, and loving what you do.
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I'm a full time student/single mother with a 2 year old.
Sometimes I wish I could just work a full time job ($8 an hour or not I miss spending more time with my baby)
it does get stressful having to stay up late every night to study and work on papers and get lunches etc ready at night instead of going to sleep or relaxing.
This may just be because I am at the end of the semester and am worn out,
but it's worth it.
I guess i'm lucky where I live we have rental subsidy for people who earn under a certain amt of $ every year and child care subsidy as well...

Good luck
It is worth it.
I am also very nearly single, filling out the paperwork for my divorce lawyer as we speak. I am in my second year of what will be 3 1/2 years for an Associates Degree. I work full-time and I have a 3-year old son. I do my college online, through the Minnesota Colleges and Universities distance program. I work during the day, and do college at night, after my son goes to bed. I don't get a lot of sleep, but I manage to work 40 hours a week, take 12-14 credits per semester, AND have time with my son. I know, I know, it's not very AP of me to work full-time and do so much school, but school is only when he is sleeping.

I guess my point of this is have you looked at distance/online learning? It's still an accredited degree, but it fits into YOUR schedule, rather than the other way around.
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First of all, Melijack1--wow! Impressive, the load you are balancing. way to go.

I have been 'struggling' with this sort of thing just currently in my life, so I can relate to all of you. I am going to school part time at local Community college, 2 years so far. I have about 34 credits so far and normally I am working part time and taking online classes. I have been out of work for several months now but hoping the search ends soon


I do get some welfare, but the challenge is that you have to fulfill 'job search time' to qualify for TANF. They want you to volunteer or do one of several activity choices, at least 30 hours a week if your child is over 6 yrs.
My daughter is 9 years old, I get child support occasionally and very sporadically so essentially I can't rely on it.

I've been getting $600. month from TANF, my school loans equal out to about $600. per month, and I get food stamps. Ideally I would also work part time and get another $6-700. per month at least. It's the part time work that eludes me these days, and challenge seems to be finding work that is 'mother's hours' (daughter in 3rd grade,no afterschool care at this point available; or programs I will have to pay, both of which seem scarce these days)
So, I scrape by and my mom has helped a couple times but is of the belief that it's not her place to help, I should be able to do this on my own; And my boyfriend is quite well off enough, a single dad with 2 kids and he was lucky enough to have been taught how to make money.

But it's true, I think deep down I want to be able to do it on my own too, but I am totally frustrated and tired from searching for a way to accomplish this. I am in a Liberal Arts program now, but after reading this post wondering if I shouldn't just go for teaching or nursing instead of my passion.
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Quote:

Originally Posted by melijack1 View Post
I am also very nearly single, filling out the paperwork for my divorce lawyer as we speak. I am in my second year of what will be 3 1/2 years for an Associates Degree. I work full-time and I have a 3-year old son. I do my college online, through the Minnesota Colleges and Universities distance program. I work during the day, and do college at night, after my son goes to bed. I don't get a lot of sleep, but I manage to work 40 hours a week, take 12-14 credits per semester, AND have time with my son. I know, I know, it's not very AP of me to work full-time and do so much school, but school is only when he is sleeping.

I guess my point of this is have you looked at distance/online learning? It's still an accredited degree, but it fits into YOUR schedule, rather than the other way around.
i heard in the twin cities there is a program for women who are single mamas to go to school for free and have help w/ housing and daycare as long as they stay in school. i heard its an awesome and empowering program. i can't recall what it is called, though...
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I'm on welfare and I work as a nanny. With the cost of childcare, it simply wouldn't make sense to have any other job for me.
I was single when I started college. I went to school when my eldest was 5 (starting Kindergarten). I got my bachelor's in Speech Pathology, and my graduate degree in the same (Speech Language Pathology).

I had to use student loans, and have a ton of debt from it- almost a mortgage. Most of that came from out of state graduate school (I had grants and scholarships for my undergrad).

However, I contract to the schools so that I have the same schedule as my children and I make enough that I can pay my monthly payment (on the 5-10 year plan) and can pay all of my regular bills.

I would recommend a field that will allow you to pay your needs for living, in addition to paying back the cost of college. That was one of the reasons that I found speech pathology - I wanted something that was flexible and interesting to me, but also would support my children and myself.
I'm in the same boat- around here I could make 10 an hour at the most, and I have four kids. I just start at cc, taking prereqs for the dental assisting program. I am going to be funded for school through the unemployment office, as a displaced homemaker. You should check that out if you fall under that category. The kids and I get child support, so that helps, and subsidized housing, which I'm dying to get out of. It's the child care that's killing me. I homeschool my kids, and with four of them, I'll be paying about $2000 a quarter in child care. If I thought I could provide us with a house on student loans, I would cheerfully rack up the debt and do what I really want to do- get my bachelor's and then apply to dental school. A house around here is $1000 a month, and I don't think I can even borrow that much.
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Quote:

Originally Posted by ToastyToes View Post
Be very wary of accruing this kind of debt, and if you're going to do it, go for a degree that will position you for a well-paying, in-demand career that would work for a single mother. Be sure you're ready to be a serious, committed student so you can move through efficiently and with good grades.

You've got to be practical. Nursing, x-ray technician, teaching, etc. Don't saddle yourself with this kind of debt for an art history degree. This is NO offense to art history majors. If you're 18, and don't have kids, and possibly have family financial support, major in whatever you want. But when you're a single mom who is financially responsible for one or more kids, prudence must reign.
Great advise ToastyToes both supportive and practical!!!
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Quote:

Originally Posted by Elbereth View Post
I was single when I started college. I went to school when my eldest was 5 (starting Kindergarten). I got my bachelor's in Speech Pathology, and my graduate degree in the same (Speech Language Pathology).

I had to use student loans, and have a ton of debt from it- almost a mortgage. Most of that came from out of state graduate school (I had grants and scholarships for my undergrad).

However, I contract to the schools so that I have the same schedule as my children and I make enough that I can pay my monthly payment (on the 5-10 year plan) and can pay all of my regular bills.

I would recommend a field that will allow you to pay your needs for living, in addition to paying back the cost of college. That was one of the reasons that I found speech pathology - I wanted something that was flexible and interesting to me, but also would support my children and myself.
More wonderful advice!
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Originally Posted by RockStarMom View Post
I'm on welfare and I work as a nanny. With the cost of childcare, it simply wouldn't make sense to have any other job for me.

Quote:

Originally Posted by singin'intherain View Post
I'm in the same boat- around here I could make 10 an hour at the most, and I have four kids. I just start at cc, taking prereqs for the dental assisting program. I am going to be funded for school through the unemployment office, as a displaced homemaker. You should check that out if you fall under that category. The kids and I get child support, so that helps, and subsidized housing, which I'm dying to get out of. It's the child care that's killing me. I homeschool my kids, and with four of them, I'll be paying about $2000 a quarter in child care. If I thought I could provide us with a house on student loans, I would cheerfully rack up the debt and do what I really want to do- get my bachelor's and then apply to dental school. A house around here is $1000 a month, and I don't think I can even borrow that much.
I would suggest that both of you look into subsidized childcare.... my state offer sub childcare if you are on welfare and are in school (there are ways around the welfare to work program). You can get a great quality preschool or nanny and I find they will at least cover a chunk of the cost, add to it that in my state the NCP is responsible for 1/2 the childcare cost related to the CP's employment/school obligations...... and RSM you are in my same state.

I get you on being a nanny I am considering that myself for some side income but also if you want to be in school I want you to know there are ways.....
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