Student Loans/Financial Aid Thread

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Old Mar 17, 2013 | 02:31 AM
  #16  
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Originally Posted by thejordan
Are you ****ing kidding me? I gave you the advice you needed. I'm graduating with a BS in Neurbiology and Physiology. I live on my own, pay for my own ****, and worked hard to get all the grants and scholarships I could to minimize my debt. Listen to someone who's there.

I don't understand your issue with community college either.

Also, if you aren't EMT certified, you'll have to do that first, get your hours, then go through paramedic. Most medic programs don't include the EMT part. So that's one semester for EMT, then 2 years for a paramedic program. Also, when you're done, you'll only have an AA which is useless outside of being a paramedic/fire. If you're looking at expensive schools, why not get a BS which will be far far more applicable in the future?

Assist.org will tell you what classes transfer where. It's a huge headache figuring that stuff out.
Thought you were trolling. My bad. I don't have any issues with CCs it just that they require you to have "points" to enroll into those classes. I'm not looking to spend 3 years to get on that list. Hence why I have chosen the route for NCTI because I can get into a class faster, although it does cost a bit more.

I'm applying this to my fire career, I already have everything except Paramedic which limits me to fire/emt jobs. Also if I end up in a 4 year, I will have to move out of this area (pretty sure sac state or davis is the closest I can get a BS in fire anything) and will lose my position on the Coastside as a volunteer FF (experience is better than papers).

Originally Posted by stupidchicken03
Jordan is not trolling, he is correct with is first statement. It is best to contact/sit down with a financial advisor at the school you wish to attend.

I worked at the Financial Aid office at a JC for just over two years. FAFSA is always number one to do. You have to do it for grant money AND loans.

To be considered independent you have to be at least 24 years old, married, have a child that you support more than 50%, or be an orphan/ward of the court.

If you are not independent by any of those, you are depended and will be required to to use your financial information along with your parents'/guardians' financials.

If you do not qualify for FAFSA, your next best bet would be scholarships as far as "FREE MONEY" Even if you do not qualify for grants through FAFSA, you still need to have it filled out to be able to take out loans.

There are Sub and Non-sub loans. One you accrue interest on while in school, and the other does not start gaining interest until 6 months after graduation/not enrolled in half time status.

Junior Colleges in CA also offer the Board Of Governors Fee Waiver (BOG) which can cover tuition fees and possible a fraction of parking permits (depending on the school). This is for JC ONLY and is separate from FAFSA (you do not get a check, it just waives your fees).
I checked with people who attened NCTI and ETS all of them said FAFSA will not help with those programs. Only thing NCTI offers is a payment plan as you are attending your classes, I'm not employed full time nor anywhere near it so there's definitely no way I could pay 1,000 a month min for the classes.
Old Mar 17, 2013 | 02:47 PM
  #17  
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Originally Posted by Heedz
Thought you were trolling. My bad. I don't have any issues with CCs it just that they require you to have "points" to enroll into those classes. I'm not looking to spend 3 years to get on that list. Hence why I have chosen the route for NCTI because I can get into a class faster, although it does cost a bit more.
I have no idea what "points" you are referring to. I do not see it being a 3 year waiting list either. The program might even have prereqs that you may need to fulfill first anyway. You're looking at like only a couple hundred dollars for each full time semester at a community college.

Either way, the area you're in is both heavily saturated in those types of jobs and schooling. If you want a serious long-term future, you may have to move. I know plenty of people with multiple BS degrees having trouble finding work. Is that something you want to be doing the rest of your life or do you want options?

Last edited by thejordan; Mar 17, 2013 at 02:49 PM.
Old Mar 17, 2013 | 03:05 PM
  #18  
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Originally Posted by thejordan
I have no idea what "points" you are referring to. I do not see it being a 3 year waiting list either. The program might even have prereqs that you may need to fulfill first anyway. You're looking at like only a couple hundred dollars for each full time semester at a community college.

Either way, the area you're in is both heavily saturated in those types of jobs and schooling. If you want a serious long-term future, you may have to move. I know plenty of people with multiple BS degrees having trouble finding work. Is that something you want to be doing the rest of your life or do you want options?
It's a seniority list, you get points for being there for X amount of quarters, points for GPA, the list can go on. It's not just prereqs.

Moving once again consists of me losing my position as a volunteer which is on going training and experience which schooling cannot beat.
Old Mar 17, 2013 | 04:19 PM
  #19  
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Originally Posted by Heedz
It's a seniority list, you get points for being there for X amount of quarters, points for GPA, the list can go on. It's not just prereqs.

Moving once again consists of me losing my position as a volunteer which is on going training and experience which schooling cannot beat.
Education is considered experience. In the long run, schooling beats it, maybe just not in the low-end of your field.

Getting a position elsewhere is also a possibility is it not?

It seems like you're sticking yourself in your own hole, in which case, best of luck. You'd be better off joining the military.
Old Mar 17, 2013 | 05:18 PM
  #20  
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Originally Posted by TheFozz
Chegg.com is your best friend.
I got one up one you - BookFinder.com

Occationally I got books, shipped, for $1.

A dollah.

Originally Posted by thejordan
Assist.org will tell you what classes transfer where. It's a huge headache figuring that stuff out.
Call the school you want to get into as well, and have a catalog/sylabus handy for the classes you've taken. My councilor waved a bunch on classes for me which didn't transfer on paper. Lots of classes won't do that as their name differs by a word or two or the description is just phrased differently.


And for my $0.02 on paying for school, I paid out out of pocket for everything - my parents didn't believe in giving me $ for school because they didn't get any support, back when school literally did not cost as much as today, inflation adjusted. I think I got $1000 once from when I really, really needed it. I went to community college and later SJSU (where tution seems to climb $500 - $1000 every semester).

In retrospect I wasn't even as sound with my money as I should have been. I worked a lot of hours at my job (which was its own detriment), but for less than the market average because business slowed more year by year and my boss was like family - I still see her about once a week. Still managed it.

When paying for tution, installment plans made it possible, as was using my bank credit card, either directly or putting advances in my checking account (sometimes the pay systems wouldn't take Visa or only do bank transfers, weird). I paid the balance off in full each month though, as I always do.

As such, save for the loan on my WRX, I've $0 debt. It's a nice feeling.
Old Mar 17, 2013 | 06:05 PM
  #21  
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So what you're saying is what we all avoided?

Sell the red Subbie and buy a $2000 Civic and use the rest for school $$$$.
Old Mar 17, 2013 | 06:21 PM
  #22  
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Originally Posted by de_engineered
Call the school you want to get into as well, and have a catalog/sylabus handy for the classes you've taken. My councilor waved a bunch on classes for me which didn't transfer on paper. Lots of classes won't do that as their name differs by a word or two or the description is just phrased differently.


And for my $0.02 on paying for school, I paid out out of pocket for everything - my parents didn't believe in giving me $ for school because they didn't get any support, back when school literally did not cost as much as today, inflation adjusted. I think I got $1000 once from when I really, really needed it. I went to community college and later SJSU (where tution seems to climb $500 - $1000 every semester).

In retrospect I wasn't even as sound with my money as I should have been. I worked a lot of hours at my job (which was its own detriment), but for less than the market average because business slowed more year by year and my boss was like family - I still see her about once a week. Still managed it.

When paying for tution, installment plans made it possible, as was using my bank credit card, either directly or putting advances in my checking account (sometimes the pay systems wouldn't take Visa or only do bank transfers, weird). I paid the balance off in full each month though, as I always do.

As such, save for the loan on my WRX, I've $0 debt. It's a nice feeling.
My parents didnt pay for school either and I started off at a JC as well.

When I started Sac State it was $1700ish per semester. When I graduated 3 years later it was over $3500 per semester.
Old Mar 17, 2013 | 06:44 PM
  #23  
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Originally Posted by stupidchicken03
My parents didnt pay for school either and I started off at a JC as well.

When I started Sac State it was $1700ish per semester. When I graduated 3 years later it was over $3500 per semester.
That's about my story. Least heedz is going for something he really wants to specialize in - I ended up in jouralism, and appreciated what I got out of it, but was really disatisifed with the program. And now I work at a bank. Go figure.
Old Mar 17, 2013 | 07:58 PM
  #24  
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Originally Posted by thejordan
Education is considered experience. In the long run, schooling beats it, maybe just not in the low-end of your field.

Getting a position elsewhere is also a possibility is it not?

It seems like you're sticking yourself in your own hole, in which case, best of luck. You'd be better off joining the military.
I dunno if it's just me but your post pissed me off.
Old Mar 17, 2013 | 08:16 PM
  #25  
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Originally Posted by thejordan
Education is considered experience. In the long run, schooling beats it, maybe just not in the low-end of your field.
Education is experience? Where do you get that from?

Originally Posted by thejordan
It seems like you're sticking yourself in your own hole, in which case, best of luck. You'd be better off joining the military.
What the f*** are you talking about?

First off, he was asking for advice from people on what he should do. If you can't help then STFU.
/thread? Really?

Last edited by RallyTech; Mar 17, 2013 at 08:19 PM.
Old Mar 17, 2013 | 08:21 PM
  #26  
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and you telling me to go join the military because I'm better off there is being extremely disrespectful to those serving.
Old Mar 17, 2013 | 08:21 PM
  #27  
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Originally Posted by thejordan
You'd be better off joining the military.
Get off your high horse dude. Your input is appreciated and you have great points, but not when you act like this. Just take the sarcastic edge off of your posts, that's all.
Old Mar 17, 2013 | 08:42 PM
  #28  
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Got to love those that just don't know, I served in the us army infantry, I went to Iraq and did my time, I chose to do it cause I wanted to serve, I'm out now doing full time school and going for my bachelors in criminal justice, best decision since I got out. Not saying I'm better then those who didn't serve but to those that don't under stand, and those who think just join the military it's an easy way out, you have no idea dude, if your not prepared, your just going to get ate the f**k up, how about you join the military bro, and if you have already been in, then you obviously didn't learn anything from it. Drugs are bad, stay in school. This has been a public service announcement from yours truly. P.S. im sure what I said is no relevance to this thread just seen some posts and went with it lol. That is all.
Old Mar 17, 2013 | 08:45 PM
  #29  
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Originally Posted by AWDomination
Got to love those that just don't know, I served in the us army infantry, I went to Iraq and did my time, I chose to do it cause I wanted to serve, I'm out now doing full time school and going for my bachelors in criminal justice, best decision since I got out. Not saying I'm better then those who didn't serve but to those that don't under stand, and those who think just join the military it's an easy way out, you have no idea dude, if your not prepared, your just going to get ate the f**k up, how about you join the military bro, and if you have already been in, then you obviously didn't learn anything from it. Drugs are bad, stay in school. This has been a public service announcement from yours truly. P.S. im sure what I said is no relevance to this thread just seen some posts and went with it lol. That is all.
My addition to this would be.

You think all those people who just make it through schooling are the ones to be firefighters? I don't think so.

@thejordan have you ever seen anyone die in front of you, a dying person, moving a dead body that is semi warm still?

Have you been surrounded by flames 10ft high with just a hose line?
Old Mar 17, 2013 | 09:02 PM
  #30  
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Originally Posted by Heedz

My addition to this would be.

You think all those people who just make it through schooling are the ones to be firefighters? I don't think so.

@thejordan have you ever seen anyone die in front of you, a dying person, moving a dead body that is semi warm still?

Have you been surrounded by flames 10ft high with just a hose line?
Ya what heedz said.



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