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What are more options for getting money to pay for school?

T

thehstrybean

Diamond Member
So I'm starting my sophomore/junior year in college this semester, and I'm fresh out of ideas on how to pay for it. I have the TN hope with is $2000/semester, which cuts my bill to $566/semester. I have a part time job at the school from 1pm-5pm working at the help desk, and I'm majoring in archaeological anthropology. I've applied for all the scholarships I can and need money to pay for rent and such. Aside from taking out a loan, what are options for getting college money? I'm desperate right now...
 
You're complaining about $566/semester? Get another part time job right now and that's like 2 weeks pay or less.
 
1. Get Another part time job
2. Start selling clothes
3. Learn how to go weeks without eating
4. Sell yourself
5. Get another danm job
6. Pester your parents
7. Pester someone who forgets alot
8. Rob a bank
9. Look for more scholarships
10. Find another job
 
Originally posted by: BigJ
You're complaining about $566/semester? Get another part time job right now and that's like 2 weeks pay or less.
Click to expand...

No, not complaining about that. I'm need money to pay for the $3-400 worth of rent I have. My school tuition is awesome.
 
get a loan, low rates and long repayment periods make it fairly easy to get an education. you can't afford NOT to get a loan if it means you can't go to school.
 
Originally posted by: tenshodo13
1. Get Another part time job
2. Start selling clothes
3. Learn how to go weeks without eating
4. Sell yourself
5. Get another danm job
6. Pester your parents
7. Pester someone who forgets alot
8. Rob a bank
9. Look for more scholarships
10. Find another job
Click to expand...

1. Got one. Another IT job.
2. Why clothes?
3. I can almost do that already.
4. Eh...
5. See #1
6. That's a no go. Already shot me down
7. Tried. Failed.
8. Can't go to school if I'm in prison.
9. Searched. Applied. Waiting.
10. See #1
 
Originally posted by: MikeyIs4Dcats
get a loan, low rates and long repayment periods make it fairly easy to get an education. you can't afford NOT to get a loan if it means you can't go to school.
Click to expand...

Got any suggestions on a lender that I could use where I wouldn't have to have my parents co-sign and with low rates (granted, they won't be as low as if I had a co-signer, but I have good credit)...
 
Do FAFSA and take the Federal Subsidized loan. This one is nice because the gov't pays the interest while you are in school. That way you can take a second part time job, but with low hours and put those earnings into savings so that by the time you are done, you can pay back the subsidized loan, or at least, a healthy chunk of it.

Try to get the federal loans first. These ones have relatively low interest rates.
 
Originally posted by: Tiamat
Do FAFSA and take the Federal Subsidized loan. This one is nice because the gov't pays the interest while you are in school. That way you can take a second part time job, but with low hours and put those earnings into savings so that by the time you are done, you can pay back the subsidized loan, or at least, a healthy chunk of it.

Try to get the federal loans first. These ones have relatively low interest rates.
Click to expand...

The only loan that was federal that I was offered was the unsubsidized due to my FAFSA. This sucks. I just applied for another job on campus that would have me down there 10pm to 4am.
 
Originally posted by: thehstrybean
Originally posted by: MikeyIs4Dcats
get a loan, low rates and long repayment periods make it fairly easy to get an education. you can't afford NOT to get a loan if it means you can't go to school.
Click to expand...

Got any suggestions on a lender that I could use where I wouldn't have to have my parents co-sign and with low rates (granted, they won't be as low as if I had a co-signer, but I have good credit)...
Click to expand...

if your parents have cut you loose, you should easily qualify for Pell Grants and/or Stafford loans.
 
Just be happy you have the Hope scholarship...they started doing that the year after I started college.

Edit: I thought the requirements for the Hope were such that you could get the University scholarship at all UT schools.
 
Take a loan. It's not the end of the world. When you graduate, you'll probably be able to get your parents to, as a gift, pay some/all of it off. Up to a certain extent, I would rather enjoy all hours of college life than spend it working.
 
Even federal unsubsidized loans aren't that bad of a deal, especially since it doesn't sound like you need that much money. Go get one.
 
Originally posted by: BigJ
You're complaining about $566/semester? Get another part time job right now and that's like 2 weeks pay or less.
Click to expand...

He's complaining about having to make rent. But I agree, a part-time job at 25-30hur/week should be enough for rent AND tuition if he was smart and got a cheap studio or something.

For college you can either have a part-time job or take out loans. With your tuition practically waived, a part-time job should be enough to pay the bills (including food if you don't go out all the time).

Oh, I read further down that you have about $400 worth of rent (monthly I hope), so you were smart and found a cheap place. Assuming only 4 weeks per month (even though most months have 4.5 weeks), if you have a standard minimum wage of $7/hour at 30 hours per week then you should be making $210/week after taxes. That's $840/month. You're going to have about $100/month to spare after tuition, rent, and other bills (you should spend most of your time out of your apartment, free internet/electricity can be found in any campus computer lab).

If you're not making $7/hour, look harder because that's an easy part-time wage to find no matter where you go. If you're making more than that, then congratulations, you can actually afford some minor luxuries!
 
Originally posted by: MikeyIs4Dcats
Originally posted by: thehstrybean
Originally posted by: MikeyIs4Dcats
get a loan, low rates and long repayment periods make it fairly easy to get an education. you can't afford NOT to get a loan if it means you can't go to school.
Click to expand...

Got any suggestions on a lender that I could use where I wouldn't have to have my parents co-sign and with low rates (granted, they won't be as low as if I had a co-signer, but I have good credit)...
Click to expand...

if your parents have cut you loose, you should easily qualify for Pell Grants and/or Stafford loans.
Click to expand...

They still claim me as a dependent, which means my FAFSA is based off of their income, and they make just enough to disqualify me for most grants...
 
Just take the unsubsidized loans, its not like you have to pay them until after you're done with school. Just don't borrow a lot more than you need (although remember to factor in expenses like food, transportation, etc).

The best advice would be to talk to your school's financial aid office, they'll know what options you have.
 
I guess it all depends on how much you need to study to get the grades you want. If you want straight As, then stick with the PT job and get a student loan. If you can settle for lower grades, get a FT job and maybe do something on the side as needed.
 
Go to school part-time and work full-time? It will drag out college (which no one wants to do) but at least you'll finish eventually.
My brother will hopefully graduate this December after taking 8 years or so to get his 4-yr. degree. He's hated that its taken this long, but he'll graduate with no debt, and he's already gotten years of experience working full-time (in which he's done quite well for himself).
 
Originally posted by: Mursilis
Go to school part-time and work full-time? It will drag out college (which no one wants to do) but at least you'll finish eventually.
My brother will hopefully graduate this December after taking 8 years or so to get his 4-yr. degree. He's hated that its taken this long, but he'll graduate with no debt, and he's already gotten years of experience working full-time (in which he's done quite well for himself).
Click to expand...

Wow I give your brother props. I think what does a lot of people in is doing what he did. When You start working full time and get a decent pay check and then have to go to class every night it can get pretty old after a while and which would you rahter do...sit in class, or get paid? 8 years is a long time tho....


I would say take a loan out, you don't really need that much and student loans arnt that bad.
 
Originally posted by: thehstrybean
Originally posted by: Tiamat
Do FAFSA and take the Federal Subsidized loan. This one is nice because the gov't pays the interest while you are in school. That way you can take a second part time job, but with low hours and put those earnings into savings so that by the time you are done, you can pay back the subsidized loan, or at least, a healthy chunk of it.

Try to get the federal loans first. These ones have relatively low interest rates.
Click to expand...

The only loan that was federal that I was offered was the unsubsidized due to my FAFSA. This sucks. I just applied for another job on campus that would have me down there 10pm to 4am.
Click to expand...

Unsubsidized loans are still nice. You can defer the interest payments until after you've graduated, so you won't be paying anything while you're still in school. You can take out around $5500 a year, which should cover your rent, utilities, and food that your job doesn't.
 
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