RE: Kicka, part 3 (Full Version)

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Mrs.Wifey -> RE: Kicka, part 3 (7/22/2008 9:04:54 PM)

I think some of ours are subsidized as well... Right now I haven't actually paid anything for my education, it's all been paid by Pell Grants.



lexie -> RE: Kicka, part 3 (7/22/2008 9:07:39 PM)

What are Pell Grants?

When you get student loans in the US, do you go through private institutions? (Ours are done by the government.)



Miss Giggles -> RE: Kicka, part 3 (7/22/2008 9:11:07 PM)

Wow. I am thinking of starting the pre reqs for nursing. I was going to wait but the waiting list is so long to get in to any nursing school. I have to make an appointment at the community college to see an advisor.

I will probably due the LPN and then here you can do the LPN to bachelor's online.

Lexie you can do either federal student loans or private student loans. There is a lot of competition right now for student loans.

Some schools have used up all the money the state gives for loans so more people have to get private loans.



Mrs.Wifey -> RE: Kicka, part 3 (7/22/2008 9:14:48 PM)

Lexie, we have both private and government student loans. Pell Grants are government grants based on your income and a couple other factors. Since I've only been going to the community college they have been more then adequate in paying for everything.

Giggles, do you just want your bachelors?



Miss Giggles -> RE: Kicka, part 3 (7/22/2008 9:24:06 PM)

I don't know. I already have a bachelors but its in business so I have no idea if they would count the credits. Plus I graduated from college in 2000 so they probably won't count them. I think it had to be less than 5 years to count towards a second degree.

I just want to get out of IT. It's real hard for a woman to move up in IT. I'm not blaming the field for that I just think I am average at what I do and to move up you have to be an expert.

Or I have to move out of this state. If it weren't for family I'd be out of here.

I have to say though that I do have to start with the first bio and chem class - my bio teacher was good but the chem teacher gave us the answers out of the book and we watched movies [&:]

So I barely passed the ONE bio class in college I took because I didn't understand the chemistry.

They are opening a new campus of Davenport University too which will have a bachelor's program in nursing so I have to make appointments at either place. I 've always wanted to go to U of M but gosh they are expensive! Their waiting list is around 2 years or more for the actual nursing school.



Mrs.Wifey -> RE: Kicka, part 3 (7/22/2008 9:30:45 PM)

Most places that I have seen, your science classes have to have been done within 7 years and other courses are like 10 or 15years(IIRC). I know here, you can get another bachelors of nursing, you would basically have to do just the nursing part + science classes but not all the other gen ed things.



Miss Giggles -> RE: Kicka, part 3 (7/22/2008 9:34:57 PM)

I'll let you know what they say when I go to the advising session. But I am starting over with the science since I had one class. LOL

But I do want a bachelor's it just depends on how long it will take to start working in the field. Another 5 years will seem like forever. [:D]. Good news is that if I stay here in Michigan there is a big shortage of nurses. They have brought in nurses from the Phillipines to work.

They are finally expanding the hospitals due to the population growth in the suburbs.



purejoy -> RE: Kicka, part 3 (7/22/2008 9:46:56 PM)

quote:

ORIGINAL: Miss Giggles
I don't know. I already have a bachelors but its in business so I have no idea if they would count the credits. Plus I graduated from college in 2000 so they probably won't count them. I think it had to be less than 5 years to count towards a second degree.

Because of the shortage of nurses, a lot of places are offering a condensed program for people that already have their bachelors degree. That would be something good for you to look into.
Also, make sure that where you live you would be able to get a job as an LPN...in my state they're being phased out, and it can be difficult to even work somewhere besides a nursing home.



Miss Giggles -> RE: Kicka, part 3 (7/22/2008 10:03:27 PM)

Good question about the LPNs. As far as I know there are no plans to phase them out. That would really cause an uproar here. Most doctor's office have an LPN as their head nurse (kind of like the liaison to the doctor) and that's not counting all the other positions at hospitals and clinics.



29redballoons -> RE: Kicka, part 3 (7/22/2008 11:02:06 PM)

I have been an LPN for ...well, since 1985...and since then, they have been going to "phase them out". No disrespect to anyone's posts...but that statement is always funny to me. Why phase out an employee that can do absolutely any clinical task that an RN can do (with the exception of administer blood and chemotherapy...at least here in Ga) and do it for half the cost. Doesn't make sense to me....


...okay, I am hopping off my soap box and back to your regularly scheduled programs....[;)]



solo_soprano22 -> RE: Kicka, part 3 (7/23/2008 1:19:50 AM)

quote:

ORIGINAL: Miss Giggles

I have to say though that I do have to start with the first bio and chem class - my bio teacher was good but the chem teacher gave us the answers out of the book and we watched movies [&:]

So I barely passed the ONE bio class in college I took because I didn't understand the chemistry.



We have a nursing school here, but the nursing majors usually only have to take one chemistry class... and it's the lowest chemistry I think. Although I hear complaints about it... as I think I would about ANY chemistry class, the lower one isn't that bad compared to what's about it. (But that all depends on the person and the school...and how many chemistries that school requires.) I know nurse anesthesias here have to take all the way up into biochemistry...which would be five or six chem. classes. And of course the nurse/premeds have to take up into orgo II, but that's all premeds, most bio. majors and all the chem. majors anyway.

Odd thing about chemistry is (for me, that is), if I have a bad professor, I probably won't get it if it's one of those things I can't read and understand the first or second time. I've actually had chemistry professors who make it worse, and in high school we had video professors and were given the answers to the tests ahead of time. [&:] Biology (and the biological chemistry...which is basically just all chemistry) never really gives me major issues, but it's still rather difficult most of the time. I guess loving it makes it easier to cope or something. If not, I just try to make it... which is what I had to do with genetics. :)



ThursdaysChild -> RE: Kicka, part 3 (7/23/2008 8:06:33 AM)

quote:

ORIGINAL: McGuinessMagee

Kat, it's funny how things come back around in our lives. Your comment about pirates reminded me of a conversation dh and I had with a friend who teaches in Sydney. He said they had to change the theme for their whole term, which they had used for years, one year after a child curled up into a foetal ball and started rocking when the teacher mentioned that their theme for that term was Pirates.

This child was one of the boat people who had come to Australia and when they crossed over to here their boat had been attacked by pirates and this child had lost family members.

It sort of takes away from the glamour when you start to think that there really are still pirates out there killing people.

Kylie[sm=silly.gif]


Oh, that poor kid! I get pretty impatient with people who want to change mascots, team names, etc. because it might offend someone, but I can't blame them in that case. When it causes someone that much trauma, it's a small thing to do for them, IMO.

As for tuition, it's too darn depressing! Ugh! I'm wondering if I EVER want to do a master's degree. I should, for professional reasons, but I don't really want to work when we move home. I'm hoping that we're able to save enough now that when we go home we can just live on DH's income...or I can supplement it by working part-time, subbing, or working from home. We already have the house paid off and that's the biggest debt we had.





Georgia-Peach -> RE: Kicka, part 3 (7/23/2008 8:30:15 AM)

I went to community college and I don't remember exactly what it cost, but compared to a university not a lot. I can only imagine what college will cost when Hunter is ready to go. We are opening him a savings account now so that when the time comes we can help him with college and hopefully he will get a scholarship if those are still around then.



daughter_of_faith -> RE: Kicka, part 3 (7/23/2008 9:05:33 AM)

That is sad about the little boy whose family was attacked by pirates. I guess I just kind of thought of pirates as we know them as a thing of the past.

Yes, many people find certain high school mascots offensive. We were the Trojans. As you can imagine, some found this highly offensive!

As far as degrees & cost, my tuition at the private college I attended as 15-16K a year (went up a touch each year and was over 16 my last year there). Thank God for grants & scholarships! I attended for 2.5 years to finish my degree (already had an AS from a CC) and my out of pocket cost (read loans) was under $25,000. I start working on my master's degree this fall and it's $212 per credit hour so it will be about 7K for my masters. Thankfully my employer will pay half of that tuition.



lexie -> RE: Kicka, part 3 (7/23/2008 9:27:49 AM)

quote:

Lexie, we have both private and government student loans. Pell Grants are government grants based on your income and a couple other factors. Since I've only been going to the community college they have been more then adequate in paying for everything.


Ok cool. The way our government subsidises our tuition is basically, they see the enrollment at a university, and then give them an amount of money based on that (again I believe, I've never fully looked into it but this is how it's been explained to me.) That lowers our tuition to $5000. Then if you need help, you can apply to the government for a student loan.

Knowing the cost for us to get our educations is anyone setting aside money for their children's education? I've heard people say "well, I did it by working and using student loans so my children can do." Well, Dh did it by working and student loans and he definitely doesn't want his children do that. I've also heard of people who are paying off their own student loans while paying for their children to go to university.

quote:

We were the Trojans. As you can imagine, some found this highly offensive!


My mom's school was Trojans and we always used to make fun of her - why would your school mascot be a condom????



isaacsmom -> RE: Kicka, part 3 (7/23/2008 10:17:26 AM)

I had a scholarship to community college, and a vocational rehabilitation grant for about 2 years while I completed my associates. My last 2 years were paid out of pocket/small Sallie Mae loan. DH's college was paid mostly out of pocket and a small Sallie Mae loan for his last 50 hours or so. We were able to consolidate our loans and lock at a low interest rate a couple of years ago. We have a very small amount of student debt compared to a lot of our classmates.



Miss Giggles -> RE: Kicka, part 3 (7/23/2008 10:32:44 AM)

I think my master's degree was 500 something a credit hour. Each class was 3 credits. I don't know what I was thinking. At least I got reimbursed for most of it even though the degree is almost useless (Information Technology)



PrudentWife -> RE: Kicka, part 3 (7/23/2008 10:34:42 AM)

MissGiggles,

I worked in healthcare for 3 years here. Granted, I was a financial analyst, but I know a bit about it anyway.

You will have *no problem* getting a job as an LPN. Hospitals/nursing homes/rehab facilities/MD offices are all trying to fill every position they possibly can with an LPN over an RN. RNs make almost double what LPNs make, so it just makes more sense to hire LPNs for many positions.

The major universities around here only accept 7 year old credits. I don't know about smaller, private colleges like Davenport.

You can become an RN with an associate's degree. There are a couple accredited programs where you can get your RN with an associates. My guess is those community colleges would be more likely to accept your liberal arts credits (history, english, math). You will still have a bachelor's in business, and will not be passed up for promotion opportunities because your nursing degree is only an associate's. I would honestly recommend meeting with a nursing instructor or dean from one of the community colleges.



Mrs.Wifey -> RE: Kicka, part 3 (7/23/2008 10:36:56 AM)

quote:

Knowing the cost for us to get our educations is anyone setting aside money for their children's education?


We are, but they are basically going to get enough to attend a state college. Anything above and beyond the cost of state college will have to be earned and we might require that they pay for the first semester and prove that they are actually going to do the work.

Alot of the kids I went to school with had parents who paid for their education, and I would say that 75-80% of them flunked the first semester. There wasn't such a high rate amongst the students who had earned the money to pay for their first semester. So, we'll see.



Miss Giggles -> RE: Kicka, part 3 (7/23/2008 10:45:41 AM)

My parents paid. I am kind of torn on it since it is getting so expensive and now you need a bachelor's degree even for entry level jobs. Not everyone flunked but a lot of people majored in some useless degrees.

I probably will do some kind of tuition matching. Or encourage them to join the military and have the GI bill depending on what kind of field they want to go into.



lexie -> RE: Kicka, part 3 (7/23/2008 10:57:17 AM)

My parents and I paid for mine and I will be eternally grateful. Whereas mine (with room and board) cost about $40,000 the way that tuition and stuff keeps going up, Akeelahs will cost $70,000. With the RESP we have for her now she should have $40,000 which will be a huge help, but that's still $30,000 that needs to be found elsewhere. And that is just one child.



Mrs.Wifey -> RE: Kicka, part 3 (7/23/2008 11:17:29 AM)

Lexie, is that $40,000 just with what ya'll will have saved? Or is that including interest? What is the interest rate on a RESP?



lexie -> RE: Kicka, part 3 (7/23/2008 11:30:41 AM)

The $40,000 is based on what we put in, the money the government puts in, and interest from the company.

Basically right now, we put in $100 a month. The government pays $0.40 for every dollar we put in, up to $600 a year. I can't remember what the company puts in, I'd have to ask Dh.

There are some good benefits for going that route - the government contributions being one. As well, if she doesn't go to school we can either transfer it to another child or get back the money less what the government paid in. If she only uses part of it, we can transfer the rest to an RRSP for us. It's also a tax-shelter.



Mrs.Wifey -> RE: Kicka, part 3 (7/23/2008 11:38:16 AM)

The government contribution is good. We have Gabby's spread out in mutual funds with our retirement money. Our goal is to give her(and any other kids) about $40k for school, and then an addition nest egg of $15k which would be put in mutual funds and marked for their first home or retirement fund.



solo_soprano22 -> RE: Kicka, part 3 (7/23/2008 11:42:13 AM)

quote:

ORIGINAL: daughter_of_faith


As far as degrees & cost, my tuition at the private college I attended as 15-16K a year (went up a touch each year and was over 16 my last year there). Thank God for grants & scholarships! I attended for 2.5 years to finish my degree (already had an AS from a CC) and my out of pocket cost (read loans) was under $25,000. I start working on my master's degree this fall and it's $212 per credit hour so it will be about 7K for my masters. Thankfully my employer will pay half of that tuition.


By the time I'm done I'll be out around $150,000 (five years at around $30K a year)... which is a lot, but then I hear of people who have to pay nearly double that. [sm=icon_smile_yikes.gif] One of my friends is going to college in FL, but he has to pay 50K a year (with everything including the dorming...I commute from home).



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