much advice needed?

Question

I am wanting to go to votech college for LPN school which is 16 month program. I would have to quit my full time job which my pay check is much needed. My parents wont help. i was looking at getting a loan for bills for 16 months. what type of loan could i get? I am 22 with 2 kids and hubby would be only one working we dont make much on his income would i prolly get some type of Grant to pay for school. My parents think i should wait 3 years till kids are in school. I want to go now. just money wise i dont know how to quit to go back. any ideas what to do, where to look.

my kids are in daycare it would be 3 more years till there out of daycare. I have no one else to keep the kids everyone works.

I work in a bank, The vo tech in my area is 8-4 classes online and no online that is why its so hard. its quit and go or dont go at all. My job is a 12 people bank and we have no part workers so i doubt they would let me do that.

Answer 1

There are loans out there that are for your expenses outside school tuition: BUT if you can just live off of the grants/scholarships your better off, maybe you can go to work part time/ also there are programs that you can apply for that help you with childcare at the school, all of the votech schools and community colleges here in Washington state offer childcare on a sliding scale the services are right in the school so you don't have to drive all over the place to drop them off. Good luck this is such a high demand profession...If you do your research correctly you'll find there are many opportunity's out there for you..Good luck, I wish you the best

Answer 2

You can check out these sites they may help
http://www.students.gov/STUGOVWebApp/Public
http://www.fafsa.ed.gov/
I recomend you look at the first website but I have used the FAFSA website myself. Any way you go I would try to get a government PELL grant. The amount though will depend on your income and the size of your family. Try to stay away from Student loans if possible. Another avenue to pay for schooling would be the Air Force National Guard. Most of the states have ANG units. It is much different than the Army National Guard or any of the reserves. They have bonuses plus the G.I. Bill plus tuition assistance plus a state kicker program that will also help. If you could get into the medical field , your training would count towards your college degree. (Just a thought, not a push). If you do have to get student loans they also have a Student Loan Repayment Program.

Answer 3

You will probably qualify for full grants and loans (I don't know that state you are in, but NY has a grant on top of the federal loans and you need to contact a bank. You can apply for student loans through any bank (Federal Stafford Subsidized and unsubsidized loans) and will get approved regardless of your credit score. As an independent student you are allowed up to 6200 a semester or something.

Also, does your school offer child care? Went I went to college the first time I took my daughter with me for my night class and she stayed in the daycare. On-campus care is usually a lot cheaper than outside.

Also, you can take your student loans and buy yourself a computer that will suit your needs for school (www.dell.com has a few cheap, decent computers) and then you could take your classes on-line at home.

Good Luck!!!

Answer 4

Get yourself a stafford loan, but before you do that make sure you can apply for a Federal Pell Grant, it's money you don't have to pay back at all for low income families or low income individuals. Everyone needs the opportunity to go to school that's why the government offers this free money. Look into the Pell grant before you apply for the Stafford loan. You can get both though. The loan you have to pay back though. I'm in the same situation you're in...It's going to take some sacrifice lady and it ain't easy at all....it can be done though. You'll probably cry tears when you get your degree because you'll look back of all the hard times you had to get that degree that you earned. Paying bills and barely making it, sacrificing sleep for exams, etc. If you REALLY want it, you can HAVE it. That's with anything in life. I drive a nice car, It's costing me an arm and a leg but once it's paid off, I'll be happy. I always wanted that car when it came out. I got it, because I wanted it, I just had to put forth the sacrifice to keep it. A lot of people look at me like you must have money. No, I just want what I want and I always get what I want. Not spoiled, but I get what I want and no one gave it to me I had to suffer for it.

Answer 5

Their are grants out there for you and student loans, Pell grants. Talk with the finance department at the school you will be attending . They will sit down with you and discuss financial resources available to you and help you apply for them.

I was a single mom of 2 children when I went through this same course (2 yrs). It was very hard. I went to school all day then worked at night working for the local VFW at their club bartending getting home at 10 pm.
Maybe you can work your job part time or find something for the evening time when your husband is ay home to take care of the kids. Also try to enlist the help of your parents for babysitting or payment of books --Once they see you are serious they may "come around " and help.

Good Luck Dear.. The world needs good nurses

Answer 6

Go to the financial aid office of the school you plan to attend. They will assign a counselor to assist you in obtaining grants to pay for tuition, and you should also qualify for low-interest government loans that would supplement the loss of income while you go to school...and there is no payment until 6-12 months AFTER you graduate. Don't wait 3 years...go now. You won't regret it and you will be earning more faster

Answer 7

Hi there i personally think that you should apply for a career development loan which has an APR of less then 6 % i think its not bad and you pay after two years of graduation when you start earning good money . If you are in the uk then try www.barclays.co.uk If outside then try google search and you will find your local banks offering the loans.!
Best of Luck

Answer 8

It sounds like you should wait until your kids are in school. Where are your kids now? Who takes care of them, if you are both working?

You might consider going part-time. See if your job will allow you to work a little less. Also, does your work pay for classes? You might be able to pay for some of the vo-tech classes that way.

Answer 9

If I were you then I would try to get as many grants as you can and if possible maybe go to school online that way maybe you can also get a night job.

Answer 10

Can your parents at least take care of your kids for your school hours? If ya'll can afford it, do it.
Grants will be there. Admissions will help find them, that is their job.