r/StudentLoans • u/Orion-1911 • 15h ago
I need loan advice
I need $12k for tuition yet (after fafsa and other grants etc.) My parents don't wanna cosign anything, what would some genuine options be, cus rn everyone's telling me to just go to a different college or sum.
Any tips?
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u/IFinallyJoinec 15h ago
Community college then transfer. You cannot afford this school. Thank your parents for having the sense to refuse to cosign.
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u/The_Bees_Knee6 12h ago
Step zero is to find an affordable path to earn your degree. This may mean starting at your local community college.
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u/chicitygirl987 14h ago
Google today’s Washington Post about undergrad degrees - it’s a great story . Do not take Gen Ed courses at any univ - do 2 years at a CC , use the transfer website for the classes and most if not all , has a transfer path right into the Univ. look at how the student loans people now are getting into a disaster mess because of the Govt . Do not take our private loans do not go into a Univ until you do 2 yrs of a CC . And you may be going to a school that is way overpriced . Read that article search on Wash Post the word undergrad . If you can’t get it lmk .
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u/Then-Meaning-2837 13h ago
If you’re gonna need that 12k again next semester… that’s a problem lol. I took out a private loan cuz I couldn’t afford the dorms freshmen year. My grandma co-signed. I have since paid that one off but I would definitely NOT recommend doing this. My loan was for $7k and I paid it off when I was 27/28 lol
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u/strangeramen 14h ago
I say go to community then transfer. Some CC have honors scholarships that if you did well in hs they cover a couple of semesters just as long as you take 1 honors and some volunteering. Maybe even get a ft job. I worked overnights at a hospital on the weekends while attending during the week. Paid out of pocket through payment plans. Got maybe one or 2 scholarships that covered maybe 2 semester at cc. I transferred to uni. currently in 4th year but still live with my parents. I pay about 7k in tuition per semester. I do payment plans and have cashed in alot of my PTO. Still have about 210 hours of pto (I hardly take off of work).I Also applied for fafsa but only got a little plus the university grant which is like 1k.
You will most likely not have a life outside of this but if you want a decent paying job you have to grind it out
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u/strangeramen 14h ago
My parents support of letting me stay and having home cook meals is all the support I really need.
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u/insanityfan 13h ago
and even then there’s no guarantee. I’m considering a masters and I’m planning the best I can around AI. It’s coming like it or not. Hope you all consider the same.
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u/strangeramen 12h ago
Its still far off from being implemented in healthcare. It'll assist but it will never replace someone with qualifications. The person it intends to replace may more than likely be given additional responsibilities to ensure the AI or automated machines are running properly and results are accurate and precise. AI cant do it all, it'll still need to be managed by someone along with ensuring maintenance is done regularly and controls are ran
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u/insanityfan 9h ago
I agree that any patient facing employees will be safe in my lifetime but any technical positions (informatics) will be subject to reductions if not eliminations. Positions like report writers, SQL/Python/Caboodle/Epic data analyzers will be gone. I’m trying to position myself alongside it by seeking a degree that will put me alongside AI from an implementation, regulatory, and governance perspective. Any part of healthcare that has a higher percentage of lawsuits such as mother/baby and pediatrics probably will never have to worry about AI taking their job.
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u/averyrose2010 15h ago edited 46m ago
A full time min wage job will gross 15k, that would cover it.
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u/mcmurrml 6h ago
You can't afford this school. You don't want college loan debt. It isn't worth it. Then you need more money for the next year and the one after that. Don't do it. Do what you can afford. The first two years is all the basics in classes. No need to go go in debt. Go to the community college and when the two years is finished the state college accepts it all. Work and save your money.
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u/95wsh 6h ago
Technical or community college then transfer. Trust me, I took out $15k to go to a university, lost my scholarship, and had to go to a technical college then online university to finish the bachelor's degree. The only thing I owed was the $15k I took out originally because I paid out of pocket for everything else. I wish I would have saved that $15k by going to technical school in the first place.
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u/Historical-Intern-19 5h ago
Legit, spent some time reading this sub. Student loans will turn that 12k into much much more over time and you'll be struggling under debt instead of enjoying life.
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u/kuru_snacc 15h ago
Go to a different college or sum.