student loans...aghh??

Well, I can understand and sympathize with you. I don't have kids, but my husband is going back to school (not college, but a vocational school) for his firefighting and EMT certifications. We don't really share money, so he pays for his stuff and I pay for mine.

I've been in college part time for the last four years. I average about 2 classes every semester. I had applied for the nursing program 4 times and never got in. This spring, I applied again and I got a letter that I was an alternate if anyone else dropped out. I had to attend an orientation last Thursday and I just found out that I got in. I am now scrambling to get the FAFSA filed (already done, just waiting to hear back) and in the meantime I am looking into student loans. I am in a panic, classes start in three weeks and I am trying to keep calm. I talked to some other people in this orientation about how to pay for it (I had never gave it much thought since I had never made the cut before). They said once I find out how much or if the government will give me aid- they referred me to Sallie Mae or Stafford Loans. I think they are the same thing. Not sure. I've never done this before because until now, I only took a few classes a semester and paid for it out of my own pocket. Now that I am loaded down with 13 credit hours, I need to find a way to pay for it all.

Student loans are scary, but they are better than any other type of loan. You won't have to start paying them back until 6 months after he's done with school. By then, he'll have a degree and surely a better paying job in the profession he's working towards.

Best of luck to you both. Congrats on the baby and relax- it'll be easier than it seems- at least that's what everyone has told me to get me to calm down.

Student

Don't let other people influence you with fear of student loans. Taking out a loan ia actually good for you and building up credit. In fact, it's the best way to start making good credit. People who say it's a bad thing are biased. It's only bad if you don't deal with the responbilities that come with the loans.

Four thousand is a drop in the bucket to many school loans, especially if it will open doors to better paying job. I have out $18,000 and pay $150.00 and i'm thinking about going back for another year to get another certification.

Consolidate after you through with school! in the meantime looks gor grants and scholarships.

Maybe you can try below website to get the information you need. It's about a unique student loans solution for your second opinion.

i would suggest you get a federal loan, because any private loan is going to have higher interest rates.

can he get some sort of scholarship? there are many to apply for, i don't know what you guys would qualify for, but deffinatly worth a shot!