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SCHOOL HAS TO BE FINANCED - 6/22/2010 2:00:34 PM
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G-ROD
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Is the cost of college worth going to school? becuase in the end your going to be 20+ thousands of dollars in debt and have to make payments akll your life.
What is some alternativers of going to school to reduce debt? besides the normal such as scholarships etc......
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RE: SCHOOL HAS TO BE FINANCED - 6/22/2010 2:24:32 PM
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moon_mouse
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Do you mean what are alternatives for going into debt to go to school? You could go to a public university for the lower resident tuition. You could do your general education requirements at a junior college, which usually costs less. You could work hard in high school to test out of general education requirements, thus lowering the total credit hours you have to take and thus lower total tuition paid. You could investigate similar careers that require fewer years of education than your original goal. You could go part time and work, preferably in something related to your desired field.
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RE: SCHOOL HAS TO BE FINANCED - 6/22/2010 2:44:01 PM
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peace77
Posts: 518
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You can test out of some entry level classes.
You can work for an employer that either pays for or reimburses college expenses.
You can apply for all the scholarships and grants that you are eligible for. There is no limit to how many you can receive. One man received $92,000 worth of scholarship funds.
You can work will attending school. You can work either a work-study job or regular job in the community.
Or better yet, work for a university that offers free tuition for its employees.
Go to a school that offers cooperative education. There students alternate semesters spent studying with semester spent working at a job site related to their major. One major advantage to this program is that students graduate with work experience and are often hired at the work site where they spent their student hours.
Work 2 jobs before starting school, during breaks and summers.
Conserve funds during school. Buy used or downloadable textbooks when possible. Buy textbooks from online stores (make sure the ISBN numbers are the same).
Consider a live-in job to save on housing expenses.
Borrow only as a last resort.
Don't borrow more than you will earn in one year (after graduation)
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RE: SCHOOL HAS TO BE FINANCED - 6/22/2010 2:55:11 PM
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EsonTheSearcher
Posts: 620
Joined: 4/25/2009
From: Homer, GA
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Or you could just get real good at ball and and get in for free: like the girl in my county who had an article on her last year in the local paper...she got 4-yr paid tuition at UGA for basketball.
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RE: SCHOOL HAS TO BE FINANCED - 6/22/2010 7:09:42 PM
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WasLostAmFound
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quote:
ORIGINAL: G-ROD
Is the cost of college worth going to school? becuase in the end your going to be 20+ thousands of dollars in debt and have to make payments akll your life.
What is some alternativers of going to school to reduce debt? besides the normal such as scholarships etc......
Considering that a college graduate will make at LEAST 250K more over their working life than someone with just a diploma...I really don't see the issue. The big thing is deciding on a marketable skill. My SIL has a bachelors degree in Fine Arts...totally useless...now, if you're going to run up a 50-60K tab on an engineering degree or nursing, well, paying it back isn't going to take a whole lot of effort.
Right now, I'm on the "pay as you go" plan...but should I choose to go to school full time, I'll probably take out a loan or 2.
_____________________________
Formerly known as NotDoneYet...but...God had other plans!!!! My new blog... http://retirednavywife.wordpress.com/
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RE: SCHOOL HAS TO BE FINANCED - 6/23/2010 9:53:27 AM
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peace77
Posts: 518
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College graduates don't always earn more than those who don't go to college.
Some degrees lead to low paying jobs such as social work.
Some degrees may not lead to very few -if any jobs at all such as Fine Arts, Music or History.
It is possible to learn a trade and earn more than someone with a college degree. On average the college grad earns more. Lots of things influence averages including the part of the country where one works.
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I GoodSearch for Lance's Deaf Orphans.
Raise money for your favorite charity or school just by searching the Internet or shopping online with GoodSearch - www.goodsearch.com
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RE: SCHOOL HAS TO BE FINANCED - 6/23/2010 11:47:02 AM
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aletheiaoz
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The vast majority of people today do have to take out some sort of loan/financial aid to help pay for the rising cost of higher education. While in an ideal world, you would be able to pay for the cost of school without taking on debt, the fact of the matter remains that the cost of education has risen to the point where, for most people, this is simply not possible. However, many good options for financing an education are available. Stafford and Perkins loans, for example, are often considered "good debt" because they are low interest and are usually on a reasonable repayment plan. Scholarships and grants are also available for many reasons and to cover many needs - any person willing to invest the time and effort in searching and applying will most likely be able to find help of this kind. Many universities also offer part-time grants and payment plans to help make paying-as-you-go options more practical. So, typically, no matter who you are, there is probably a way for you to afford obtaining the education you desire, even if it is not at the university you desire (state schools are much cheaper than private on average, for example).
I also believe education to be intrinsically valuable. In other words, it has worth, value, and goodness in and of itself, regardless of any other factors. I believe that the more we know, the more God can use us. I also believe education can and should have highly practical applications and should be relevant to modern life and work enviroments.
I have considerable loans from undergrad which I am paying off, and am taking on more loans as I work on my graduate degree. For me, it is worth it. There are other areas I would rather live with less in so that I can continue my education...to me, my education is highly valuable and an investment. Yes, I hope to eventually aquire a higher paying job in a specific field, but I also believe my education was worth it even if I don't. To me, I look at education like exercising my mind - for example, with physical exercise, we would all probably say that it is "worth" the hard work and physical investment to be physically fit, even if we don't ever run in a marathon or play in professional athletics of some kind - its worth it because it makes us healthier, and the intrinsic benefits of physical fitness are known to us. Education is mental fitness. It works and develops your brain, stretching it and training it to be in the "best shape" possible. To me, those benefits - outside of a high-paying job - are worth it.
Look into different colleges and programs. Find the best value for you financially and educationally. Are there other things you can cut back on (nice car, rent, "fun" money for cable, eating out, etc) so that you can better afford your education? Figure out what you can financially afford to invest each month into your education and how much extra you are willing to take out a loan for if you must, and then choose the best degree program you can afford on the educational budget you have set for yourself. That's my advice!
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"Christianity, if false, is of no importance, and if true, of infinite importance. The only thing it cannot be is moderately important." - CS Lewis
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RE: SCHOOL HAS TO BE FINANCED - 6/23/2010 1:28:38 PM
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GregandJenny
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From: Near Seattle Washington
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quote:
Find the best value for you financially and educationally.
I think this is very important.
I also think people need to make sure the investment will net the return. If you spend 100,000 to become a teacher that's not the wisest thing to to.
G
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RE: SCHOOL HAS TO BE FINANCED - 6/23/2010 2:13:18 PM
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EsonTheSearcher
Posts: 620
Joined: 4/25/2009
From: Homer, GA
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quote:
ORIGINAL: peace77
College graduates don't always earn more than those who don't go to college.
Some degrees lead to low paying jobs such as social work.
Some degrees may not lead to very few -if any jobs at all such as Fine Arts, Music or History.
It is possible to learn a trade and earn more than someone with a college degree. On average the college grad earns more. Lots of things influence averages including the part of the country where one works.
True...my mother just has a tech degree from the 1970s and she makes $35 an hour...
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RE: SCHOOL HAS TO BE FINANCED - 6/29/2010 3:11:09 PM
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G-ROD
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College is a dope game!!!
Teachers who teach us all we know dont get paid nothin!!!!
Colleges are making billions of doillars a year off of us who seek a higher education!
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RE: SCHOOL HAS TO BE FINANCED - 6/29/2010 4:09:12 PM
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GregandJenny
Posts: 480
Joined: 2/16/2006
From: Near Seattle Washington
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G-ROD,
It might be a dope game for you but it isn't for me. The problem when people go to college (especially when they are younger) they don't have a goal and so they wonder around aimlessly and waste money in the process. They do it for an "experience" instead of an education.
G
_____________________________
It does not have to be well with my circumstance to be well with my soul!
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RE: SCHOOL HAS TO BE FINANCED - 7/1/2010 2:05:36 PM
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kernsfamily
Posts: 573
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From: Dallas (originally Detroit)
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college is MUCH MORE than earning more money...
it's about getting "qualified" to do the job that you are setting out to do...the one God has intended for you.
For me, that is art direction/graphic design.....in my field, I cannot get a decent job without a college education (note: a college EDUCATION is vastly different that getting "trained" to do a job.....)...i typically work within marketing departments of some of the biggest Fortune 100 companies, doing design work for some of the world's largest brands....
do people with ONLY high school educations make more than me? yeah...and while that does stink, they do jobs I would NOT want to do.
College educations are there not only to give you the POTENTIAL for higher earnings...but, to open the doors to jobs that are most certainly out of reach of those who do not have one.
_____________________________
Proud dad of 3 great girls....Blessed to have all of them in a "totally awesome" public elementary school!
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RE: SCHOOL HAS TO BE FINANCED - 7/1/2010 11:28:15 PM
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creationtalk
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I worked full-time and went to school full-time. I was self-supporting through college...and grad school. I did not take on any school debt until I was in my last few years of my Ph.D. And the primary reason I ended up taking out school loans was because someone I trusted ran me into debt and the only way I could pay the bills was to defer the payments and moved from one state to another to get a better job while finishing my dissertation (research was computer modeling, could be done anywhere I had internet access)--had to finance the move, but that cost was paid off in less than 2 years at the new job. Did I live fancy while in school? No. I walked most places because I didn't have a car or couldn't afford gas. I rarely bought new clothes, and then only what I had to have (like buying one pair of jeans because my last "good" pair just ripped out--and the ripped jeans were patched and worn around the house and even school (I was good at making patches "pretty"). There would not have been any loans if it weren't for extenuating circumstances.
Yes, college tuition is rising at a ridiculous rate...but it is still possible to go to school without debt if you are willing to work and make sacrifices--and make careful choices.
I could not do my current job without my education. I got the education not for a fancy degree, but so that I could do the type of work I love...and get paid well for it.
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RE: SCHOOL HAS TO BE FINANCED - 7/2/2010 12:34:32 AM
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iluvatar
Posts: 3546
Joined: 4/12/2005
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quote:
ORIGINAL: creationtalk
Yes, college tuition is rising at a ridiculous rate...but it is still possible to go to school without debt if you are willing to work and make sacrifices--and make careful choices.
That really depends on where you're going to school. Private schools are outrageously expensive - a quick scan of some of the private schools in the area (BU, BC, Berklee, Harvard, MIT) all put the yearly cost of attendance, including room & board, in the low-mid $50,000 range. It's not feasible for an undergrad to be able to pay that kind of money without scholarships, grants, and loans.
-Dan.
_____________________________
Well, I've been to one world fair, a picnic, and a rodeo, and that's the stupidest thing I ever heard come over a set of earphones.
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RE: SCHOOL HAS TO BE FINANCED - 7/2/2010 12:17:13 PM
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Ross.Lang
Posts: 313
Joined: 1/28/2009
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The trick is to go flat out in high school and get into a good school. Princeton has a $50,000ish sticker price, but if you get in, they cover 100% of what you can't pay without loans. Other schools will do something similar. I went to Lafayette College in Easton, PA for my undergrad; one of the 40 best schools in the country. My education would have cost me $160,000 if I took it on the chest, but I received $120,000 in scholarships and worked my butt off to graduate a year early; the final cost of my entire college education including room, board, and books, was about $6,500. I did the same thing at Princeton and ended up paying less than $3,000 for three years out of pocket, thanks to some generous scholarships.
Compare that to my Dad, who graduated from Wharton (UPenn) in 1981. He paid for that, and my mom to go to graduate school at U Maryland, while working...
drumroll
Part time. As an auto mechanic. At a gas station.
Between the time he graduated and today, the cost of education at Penn has risen 17 fold. Imagine if your salary had grown by that much. If you were making $20,000/yr in 1981, you'd be making $340,000 today, and you wouldn't need any scholarships!
Lastly, college is first and foremost about making social connections. Many people will choose a college for its word view or location, but the thing that makes an education at Harvard exceptional and an education at say, Liberty, more or less a joke by comparison, is that at Harvard your frat buddy's dad will get you a job making $100,000/yr at Goldman the day you graduate, whereas at Liberty, you get the college's name, which doesn't carry you very far anywhere else. Wherever you go, your first priory should be to become friends with the people and professors around you. Even your grades are of comparatively little importance.
-Ross
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RE: SCHOOL HAS TO BE FINANCED - 7/9/2010 9:23:46 PM
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WasLostAmFound
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quote:
ORIGINAL: Ross.Lang
Lastly, college is first and foremost about making social connections. Many people will choose a college for its word view or location, but the thing that makes an education at Harvard exceptional and an education at say, Liberty, more or less a joke by comparison, is that at Harvard your frat buddy's dad will get you a job making $100,000/yr at Goldman the day you graduate, whereas at Liberty, you get the college's name, which doesn't carry you very far anywhere else. Wherever you go, your first priory should be to become friends with the people and professors around you. Even your grades are of comparatively little importance.
-Ross
I respectfully disagree. Your first priority should be your education. Your frat bro's dad might get you a job at Goldman Sachs, but if you skated through school with a C- average, you won't get very far, your lack of knowledge will eventually show up.
Education is NOT all about $$$...from this and other posts I have seen from you on this board, I have noticed that you are all about the greenbacks. I've been comfortably well off and I've been homeless poor...and it's NOT all about the bank balance, type of car you drive, brand of clothes you wear, or how many zeros to the left of the decimal point in your bank account. It's about your passion, your calling, your vocation in life. As long as I have enough to keep myself out of the weather, decently dressed, and not too hungry, as long as I am doing what God is calling me to do, it's all a win.
_____________________________
Formerly known as NotDoneYet...but...God had other plans!!!! My new blog... http://retirednavywife.wordpress.com/
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RE: SCHOOL HAS TO BE FINANCED - 7/9/2010 10:01:01 PM
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iluvatar
Posts: 3546
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quote:
ORIGINAL: WasLostAmFound
quote:
ORIGINAL: Ross.Lang
Lastly, college is first and foremost about making social connections. Many people will choose a college for its word view or location, but the thing that makes an education at Harvard exceptional and an education at say, Liberty, more or less a joke by comparison, is that at Harvard your frat buddy's dad will get you a job making $100,000/yr at Goldman the day you graduate, whereas at Liberty, you get the college's name, which doesn't carry you very far anywhere else. Wherever you go, your first priory should be to become friends with the people and professors around you. Even your grades are of comparatively little importance.
-Ross
I respectfully disagree. Your first priority should be your education. Your frat bro's dad might get you a job at Goldman Sachs, but if you skated through school with a C- average, you won't get very far, your lack of knowledge will eventually show up.
I think Ross is more right than he should be, particularly at the more prestigious schools. Yes, your education is and should be important, but IMO too many people neglect the stuff he's talking about. Anybody with any experience will tell you that you don't actually learn much of anything important in school, and that most of your education comes on the job. As long as you're not a lazy idiot and you understand the fundamentals of the job, you should be able to get by in most entry level jobs just fine. OTOH, you could be brilliant, but without the connections to help you move around, you could go nowhere.
I didn't go to a big school, so I don't have those connections. I'm stuck using message boards & facebook.
-Dan.
_____________________________
Well, I've been to one world fair, a picnic, and a rodeo, and that's the stupidest thing I ever heard come over a set of earphones.
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RE: SCHOOL HAS TO BE FINANCED - 7/17/2010 1:15:07 PM
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solo_soprano24
Posts: 1798
Joined: 4/27/2005
From: I'm a Southern girl
Status: offline
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quote:
ORIGINAL: G-ROD
Is the cost of college worth going to school? becuase in the end your going to be 20+ thousands of dollars in debt and have to make payments akll your life.
What is some alternativers of going to school to reduce debt? besides the normal such as scholarships etc......
At my college, I knew plenty that were either at or close to 100k in debt after 4-5 years. 20k of debt was a year's worth.
I don't know anyone who can go without loans (to college and grad school both, unless there's a stipend/assistantship involved). I had loans for undergrad, but I had my parents helping me. Now to get a master's, it'll cost 70k over two years' time and there's no time to work except weekends (classes are literally all day). I want to get a doctorate (or concurrent MD/PhD), but a doctoral program in my field pays me, so I wouldn't have to worry about debt.
One of my friends has three degrees and is beginning pharm school in the fall. She is already 100k in debt, and that's NOT including pharm school. Even though she worked all through school, she couldn't put much of a dent in costs of education, although she would have been in more debt if she hadn't worked. She shops at thrift stores, eats whatever (she's into health, so it's probably mostly vegetables, lol), buys clothes at goodwill/thrift, and saves wherever she can. Most of my friends worked and couldn't make much of a dent; the costs are too great.
Honestly, it seems like education is nowadays means you have to get loans-- even in public institutions. I used to think public places were cheap, but right now, many are not, unless you work your way through taking only a few classes per semester over a long amount of time (unless you have "free" money like scholarships). Many (of the non-rich) see two choices: don't go, or go and become indebted. :)
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For God, For Learning, Forever.
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RE: SCHOOL HAS TO BE FINANCED - 7/18/2010 7:00:57 PM
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Ross.Lang
Posts: 313
Joined: 1/28/2009
Status: online
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quote:
Education is NOT all about $$$...
I like that mode of thought, but I think you've misread me a little bit. My father's buisness folded unexpectedly because of the failure of a massive investment right as I went into college. Pell grants helped pay for my first two years, and when I came home, we had dial up internet, no cable TV, and ate mostly hot-dogs and penut butter sandwiches, never went to the movies, and Chinese food was a special treat for birthdays. My wife grew up in an even worse situation, because it was both deeper and more persistant. If I seem to have a more material mindset than I should, well, God forgive me! Yet, I also know that there's nothing romantic about being poor. Some people seem to have this idea that being like an Indian untouchable would be a panacea for American materialism. It's not.
As for passion and calling, I have one, unrelated to salary :)
-Ross
< Message edited by Ross.Lang -- 7/18/2010 7:29:14 PM >
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RE: SCHOOL HAS TO BE FINANCED - 7/19/2010 9:22:15 PM
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WasLostAmFound
Posts: 598
Status: offline
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quote:
ORIGINAL: Ross.Lang
quote:
Education is NOT all about $$$...
I like that mode of thought, but I think you've misread me a little bit. My father's buisness folded unexpectedly because of the failure of a massive investment right as I went into college. Pell grants helped pay for my first two years, and when I came home, we had dial up internet, no cable TV, and ate mostly hot-dogs and penut butter sandwiches, never went to the movies, and Chinese food was a special treat for birthdays. My wife grew up in an even worse situation, because it was both deeper and more persistant. If I seem to have a more material mindset than I should, well, God forgive me! Yet, I also know that there's nothing romantic about being poor. Some people seem to have this idea that being like an Indian untouchable would be a panacea for American materialism. It's not.
As for passion and calling, I have one, unrelated to salary :)
-Ross
Honey, I was a homeless mother of 3...living on foodstamps, what little child support the courts could get out of the kids' father...we lived in a minivan for 3 months...I got lucky with a few breaks here and there and have pulled myself up to solidly middle class...HOWEVER...if I were to lose my house tomorrow, it wouldn't be a big deal. I'm not attached to material things anymore. My world crashed down on me, I literally lost everything including 2 children and my identity as a wife and mother. You know what? I survived it. To this day I could care less if I have anything more than gas in my gas tank, a couple of bucks in my pocket and a safe place to sleep. Money and possessions are fleeting, you can't take them with you when you leave this earth...I can find better things to use my time and energy towards...
_____________________________
Formerly known as NotDoneYet...but...God had other plans!!!! My new blog... http://retirednavywife.wordpress.com/
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RE: SCHOOL HAS TO BE FINANCED - 7/24/2010 10:45:50 AM
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APZR
Posts: 1007
Joined: 4/18/2005
From: GA
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Start with local colleges, then go to a major college for your Masters. I can't think of any business owner who asked about your first 4 years of college... they want to know about your specialty eduction and Masters. Also consider the economics of your future career choice. IE: don't pick a turf management or art major where you'll only make $28,000 per year. As a general rule, you should not borrow more than the typical annual earnings for your chosen career.
< Message edited by APZR -- 7/24/2010 10:52:47 AM >
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Ya can't keep trouble from visitin, but you don't have to offer it a chair.
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