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  • File :1244336213.jpg-(152 KB, 1920x1200, 327165.jpg)
    152 KB Anonymous 06/06/09(Sat)20:56:53 No.4392651  
    Brotrons, how do I afforded college?

    I'm 23 and jobless. A few months ago I found out that I count as an "independent student" which means the guvment looks at my income instead of my parents. Luckily my income is $0 so I figured I'd get enough to go to a real school. Right now I'm in community college and got enough Pell Grant money to go for free. But I'm running out of prereqs to take and have to transfer to somewhere real soon.

    But I just got my financial aid award letter from my school of choice, which isn't that expensive at all compared to everything else I looked at. Roughly $4000 a semester for tuition, but I figure after all school-related expenses are tallied up like parking, gas, eating foods, books, various supplies and random shit it'll be more like $5000. But I got my award letter and I'll only be getting $2675 per semester, which means I need another 2300 or so, which I'm sure I can cover in loans.

    But that 2300 adds up over 8 or so semesters. When I'm done I'd be $18000+ in the red. Even if I paid $500 a month on those loans, ignoring interest, that'd be 37 months of paying that shit off. And who's to even say I'll have $500 a month, or how much that would cut into my paycheck, if I even have a paycheck.

    But I'm not here to rant, I'm genuinely interested in how I should handle it. Some of you might have been in the same predicament. Do I just take on the debt? Is $18000 no big deal? Should I just give up and become a plumber or electrician? Try to become a successful programmer without a college education (I am majoring in computer science).

    Image unrelated. I'd consider a life of crime if I was confident I could consistently not get caught or killed.
    >> Anonymous 06/06/09(Sat)20:58:25 No.4392672
    GET A FUCKING JOB MORON
    >> The Red Barron 06/06/09(Sat)20:59:36 No.4392684
    student loans bro


    Can't go bankrupt on them but hey, WHAT COULD POSSIBLY GO WRONG AFTER GETTING THIS USELESS DEGREE
    >> Anonymous 06/06/09(Sat)21:00:57 No.4392696
    Get a real job you lazy fuck.

    There are plenty of shitty programmers.

    Be a plumber or electrician.
    >> Anonymous 06/06/09(Sat)21:01:18 No.4392701
    Maybe I should wait until I'm in debt and then worry about it, like everyone else.
    >> Anonymous 06/06/09(Sat)21:03:24 No.4392726
         File :1244336604.jpg-(82 KB, 800x501, Pic017.jpg)
    82 KB
    tl;dr

    GTA IV fixed a lot of things that were broken about the series, but I prefer Vice City. It has incredible spirit.
    >> Anonymous 06/06/09(Sat)21:04:54 No.4392739
    Lol at you for thinking plumbing or being an electrician is a failsafe. Shit takes years to train up.

    If you spent $18k training to become a plumber, you could have that debt all paid back in six months. But it doesn't cost anywhere near as much as $18k to train as a plumber. And you are not a plumber.

    Enjoy your failed life choice.
    >> The Red Barron 06/06/09(Sat)21:05:14 No.4392744
    >>4392726
    Only newfags don't think VC is the best

    That game was fucking gold at the time, and is still more fun than the rest despite you can do 1/4th of the shit
    >> Anonymous 06/06/09(Sat)21:07:17 No.4392768
    What kind of job can someone who hasn't had a job for a few years get that isn't terrible and pays more than minimum wage? The reason specifically why I don't work and put my efforts into school is because my experience working was terrible. The most I got paid was $7/hr. Just transportation and lunch would be half my paycheck by the time I got it. I mean getting a job sounds like a good plan but in practice it hasn't gotten me anywhere. I figured a college degree might help me in the income department.
    >> Anonymous 06/06/09(Sat)21:07:39 No.4392770
    >>4392744

    This is down to the fact VC actually had a plot. SA and IV were written by fucking monkeys at typewriters.
    >> Anonymous 06/06/09(Sat)21:09:12 No.4392788
    >>4392744
    Also, Vice City sucked. I think the best one for its time Was III. San Andreas was a good effort but too much shit to do. I have to eat, really? Work out? Why not just make it so that my stats are affected by whether or not I take a shit.

    IV was decent but it didn't feel particularly upgraded, just a logical step up from the PS2 versions. Mechanically it wasn't that impressive.
    >> Anonymous 06/06/09(Sat)21:10:45 No.4392800
    >>4392768
    You can't get a college degree just by relying on the government to pay it for you. You have to work without one, or have a rich family.
    >>4392744
    I enjoy IV's multiplayer as multiplayer, not as a GTA game but just an enjoyable get-together. VC was awesome as a game.
    >> Anonymous 06/06/09(Sat)21:13:05 No.4392819
    >>4392768

    You lazy shit.

    >that isn't terrible and pays more than minimum wage

    >Just transportation and lunch would be half my paycheck by the time I got it

    Get a job in Burger King or somewhere. According to Wiki, it looks like the average minimum wage in the US is around $7. 20hr a week is over $500 a month. As if you are going to spend $250 on lunch (which is free in a fucking burger bar) and transport. Snap out of it and do some work you lazy nigger.
    >> Anonymous 06/06/09(Sat)21:22:50 No.4392899
    >>4392819
    Laziness has nothing to do with it.
    >> Anonymous 06/06/09(Sat)21:26:29 No.4392943
    The only real way to go to school without ending up in debt in this country is to be REALLY rich (it doesn't matter) or REALLY poor (gubmint pays for it).

    Engineerfag, $30k in loans remaining to pay off.

    Not too worried about it. I live beneath my means.

    Paying that kind of money for a history degree, on the other hand, might not be wise.
    >> Anonymous 06/06/09(Sat)21:31:11 No.4392992
    >>4392739
    When did I say it didn't? The point is that it was a high-paying job that will always be in demand, and I'll probably be able to pay off the debt of training faster than getting a college degree.

    >>4392943
    OP here, I've thought about picking a more jobbable degree but programming is what I'm good at so I picked CompSci. I honestly think I'm destined for fail. My mom has $100,000 in loans still haunting her and the increase in her paycheck post-college was about $5,000. I'm seriously considering giving up.
    >> Anonymous 06/06/09(Sat)21:47:29 No.4393122
    You'll have to get a job at some point in time. if not just for paying offl loans, you'll need the job experience to get a job that's better that min. wage.

    if you know what degree you want, i'd finish up community college and get your AA before doing anything else. if you don't have a degree in mind, i'd stop taking bullshit classes until i figured out what i wanted to do.

    after you get your degree, find a job. any job. you need a source of income in order to get a loan. i would build up my work experience/ credit/ get some fucking money first before going back to school.

    there are scholarships and grants for pretty much anything and everything so i'd hit those up before considering loans. you could also do work on campus to help lower your cost.
    >> Anonymous 06/06/09(Sat)21:55:09 No.4393197
    >>4392992

    Work while you are going to school. It won't pay for everything, but it'll reduce your debt burden. I'd say you are doing everything right so far. I would try to:

    1. Get into a research position with a professor. You'll build connections and get a bit of money.

    2. Get a computer support job. Do homework while getting paid.
    >> Anonymous 06/06/09(Sat)21:58:37 No.4393226
    >>4392899

    No, you certainly can't afford working 20 hours a week because you're doing very important things.
    >> Anonymous 06/06/09(Sat)22:01:34 No.4393250
    >>4392651
    Consider yourself lucky, the first semester of college for me is going to cost at least $8,000. And $18,000 in debt from loans in nothing.
    >> Anonymous of College Park,MD 06/06/09(Sat)22:12:10 No.4393330
    >>4392672
    >>4392696

    Good luck getting a job in this shitty economy. The best you'll get is a part-time job working at a fast food restaurant...if they're actually hiring.
    >> Anonymous 06/06/09(Sat)22:12:21 No.4393331
    >>4392651
    $2300 per semester isn't bad. Apply for a job EVERYWHERE YOU CAN and you're bound to get something, then when the school year starts up go back to half-time. You'll get a decent amount of money, and if you work hard enough (read: really really hard) you won't have any debt to worry about, especially if you work year-round.
    >> Anonymous 06/06/09(Sat)22:15:46 No.4393343
    >>4392651

    get a degree in something where you can actually get a well paying job instead of majoring in film study or art history like the majority of retards.

    become a teacher, you get government benefits and you can always find work as long as you're math/science.
    >> Anonymous 06/06/09(Sat)22:17:57 No.4393367
    With teaching you can take out loans you dont need to pay back and get grants. Its only certain subjects in teaching though. ESE is one that I know of.
    >> OP !!tOywj9B+/qA 06/06/09(Sat)22:24:56 No.4393424
    Sell drugs. You can easily make a couple of g's in a couple of days. As long as you understand the risk with selling high margin stuff like coke or crack
    >> Anonymous 06/06/09(Sat)22:28:00 No.4393448
    >>4392819
    Getting a job is part of the equation, sure. $500/mo is awesome if you have no expenses. What about rent, utilities, general living expenses? It's going to be hella difficult balancing a part time job to support yourself, AND go to school. Doable, but difficult and stressful for sure.

    Getting a job is pretty hard right now anyway, even if it is Burger King. Now tell your boss you can work MWF because of classes and you'll get shitty hours for sure or never get hired to begin with. Even if you do, try passing 4-5 classes while working the 9PM-3AM shift at Burger King while eating a Tender Crisp Bacon Cheddar Ranch every day for lunch and tell me if you don't go insane.

    A free ride through school or at least something close to it would make shit twice as manageable. Work or not there will be a mountain of debt after graduating, it's just a question of magnitude.
    >> Anonymous 06/06/09(Sat)22:30:41 No.4393472
    >>4392651
    I've been there. I say just go with the loans; the average student has something like $40k in debt when they finish, but if you're careful you can keep it to $15-25k, which is about where I'm at.

    Don't let people moan and grumble at you about the economy. Just remember this: you need to find a bit of a niche and excel in it. Go out of your way to show off in some aspect of your major that interests you. Write and present a research paper at a conference when you reach upper-division classes, for instance. Look for a volunteer or internship opportunity related to what you want to do. When you get out of college, it's that reputation, and the connections you made, that are more likely to get you a good job than the degree itself (although of course the degree is important too, but so many people are "bartenders with a degree" because they didn't show any ambition and just expected the degree to somehow automatically get them a job).

    also, bear in mind that the learning experience of going through college is worth quite a bit of money in and of itself. If you're attentive it really expands your borders, in all sorts of subtle ways that you will appreciate for the rest of your life.
    >> Anonymous 06/06/09(Sat)22:32:15 No.4393487
    >>4393448
    Getting a job at Burger King has never been, and will never be, so difficult that anyone--ANYONE--who puts "in college" on his or her application/resume won't get hired immediately.

    It's all about what you want to deal with. If you don't mind working one of the shittiest part-time jobs in America, you can get it without too much trouble.
    >> Anonymous 06/06/09(Sat)22:37:37 No.4393530
    First, see if you can get any cheap credits through the CLEP. Since you've already taken community college classes, this might not be an option for you, but check it out anyways:

    http://www.collegeboard.com/student/testing/clep/about.html

    Second,

    >after all school-related expenses are tallied up like parking, gas, eating foods, books, various supplies and random shit it'll be more like $5000

    $5000 a semester? Seriously? What the hell are you spending so much money on? You can easily cut those expenses down by a lot.
    >> Anonymous 06/06/09(Sat)23:08:35 No.4393801
    >>4393530
    I'm unaware of anything cheaper that's in the area. Since I pay no rent where I am. Moving elsewhere to go to school could easily hinder more than it helps.



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