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I'm University bound! Yeah me!!!
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<blockquote data-quote="mattsmom27" data-source="post: 48501" data-attributes="member: 50"><p>Thank you all for your well wishes :smile:</p><p></p><p>Suz, first yes, I'm feeling better. I have my moments and surely will have more but I've decided to just not dwell when I don't need to and instead start putting positive things in place again. </p><p></p><p>As for the lack of student loans, I actually had over $60K of student loans for community college medically forgiven after college. This eliminated my need to pay and also saved my credit from being destroyed, but also eliminated the opportunity to apply for future student loan funding. I figured that was it, the gig was up, University wasn't going to happen. Recently I started thinking where there is a will there is a way, I just couldn't accept that my dreams weren't going to happen. So I started googling some stuff and making some calls. So this is how it boils down:</p><p></p><p>First, I have independent income enough to pay the rent, bills, support the kids and I. We have no car and I rent, don't own, and that won't change until I'm done school and working. But at least we'll get by until I'm working.</p><p></p><p>This leaves tuition, books, transportation (monthly transit passes) and any child care for easy child. Soooo ... I start year 1 as a "part-time" student. This eliminates half the tution costs, book costs etc for year 1. I will have to come up with about $2000 up front for start date in September, so I'm plunking it away and that's all there is to it, we will all learn to be resourceful and more appreciated of what we have. We are fortunate that I have a nice apartment, nice furniture, no credit card debt, loans etc. So we don't have big things to take care of. I can handle the $2000. Then once I've started classes I can apply for a $2500 per year bursary based soley on financial need, I meet all criteria so am gauranteed the bursary. There is also bursaries based on financial need for summer school, which I'll take next summer, 2 courses fully funded, leaving me only 2 classes short of full first year course load come Sept. next year. </p><p>Sept. of year 2 of my program I will be enrolled with full course load. I have a year to keep socking money away each pay period, I can be gauranteed my $2500 bursary, and once I hit year 2 there are so many bursaries it isn't even funny. I happen to qualify for more than most because I am first off a mature student, second I am aboriginal, third I am considered disabled, fourth I am not eligible for loands and fifth I have high financial need. THere is also the special needs department for disabled students that will purchase me a new laptop to make things easier and will help buy my books etc. </p><p>During year 2 I will save the portion I need to contribute for year 3, and during year 3 I will save the portion I need for year 4.</p><p></p><p>So while it won't be free, and it will still probably amount to me contributing about $300 a month out of pocket, what a small price that is to pay for a serious education!!! So, we won't order pizza every Friday, instead maybe every second or every third. I can definitly save a ton just by making my coffee at home instead of the about $150 a month I spend at the coffee shop up the street etc. I don't even know if we'll miss the money if I knock off the coffee shop!!!!!!</p><p></p><p>There ya have it, no student loan debt :smile: :smile: :smile: I wish I had known all of this years ago, but something tells me there is a reason I didn't. I think now is my time, the right time, difficult child is in the best place mentally and emotionally he has ever been. He is NOT the same kid, dare I say I want to call him a easy child, or at least a typical teen!! easy child is older now, turning 8 on Friday and her father and his new wife moved their business here to our town , sold their house and bought one here. So many days I would normally have had to pay a sitter, he can take his visitation during those periods. Heck in the winter she's gone with her dad 3 nights a week for hockey anyhow!!!! Which also means those 3 nights a week I don't have to put her needs aside to study etc.</p></blockquote><p></p>
[QUOTE="mattsmom27, post: 48501, member: 50"] Thank you all for your well wishes [img]:smile:[/img] Suz, first yes, I'm feeling better. I have my moments and surely will have more but I've decided to just not dwell when I don't need to and instead start putting positive things in place again. As for the lack of student loans, I actually had over $60K of student loans for community college medically forgiven after college. This eliminated my need to pay and also saved my credit from being destroyed, but also eliminated the opportunity to apply for future student loan funding. I figured that was it, the gig was up, University wasn't going to happen. Recently I started thinking where there is a will there is a way, I just couldn't accept that my dreams weren't going to happen. So I started googling some stuff and making some calls. So this is how it boils down: First, I have independent income enough to pay the rent, bills, support the kids and I. We have no car and I rent, don't own, and that won't change until I'm done school and working. But at least we'll get by until I'm working. This leaves tuition, books, transportation (monthly transit passes) and any child care for easy child. Soooo ... I start year 1 as a "part-time" student. This eliminates half the tution costs, book costs etc for year 1. I will have to come up with about $2000 up front for start date in September, so I'm plunking it away and that's all there is to it, we will all learn to be resourceful and more appreciated of what we have. We are fortunate that I have a nice apartment, nice furniture, no credit card debt, loans etc. So we don't have big things to take care of. I can handle the $2000. Then once I've started classes I can apply for a $2500 per year bursary based soley on financial need, I meet all criteria so am gauranteed the bursary. There is also bursaries based on financial need for summer school, which I'll take next summer, 2 courses fully funded, leaving me only 2 classes short of full first year course load come Sept. next year. Sept. of year 2 of my program I will be enrolled with full course load. I have a year to keep socking money away each pay period, I can be gauranteed my $2500 bursary, and once I hit year 2 there are so many bursaries it isn't even funny. I happen to qualify for more than most because I am first off a mature student, second I am aboriginal, third I am considered disabled, fourth I am not eligible for loands and fifth I have high financial need. THere is also the special needs department for disabled students that will purchase me a new laptop to make things easier and will help buy my books etc. During year 2 I will save the portion I need to contribute for year 3, and during year 3 I will save the portion I need for year 4. So while it won't be free, and it will still probably amount to me contributing about $300 a month out of pocket, what a small price that is to pay for a serious education!!! So, we won't order pizza every Friday, instead maybe every second or every third. I can definitly save a ton just by making my coffee at home instead of the about $150 a month I spend at the coffee shop up the street etc. I don't even know if we'll miss the money if I knock off the coffee shop!!!!!! There ya have it, no student loan debt [img]:smile:[/img] [img]:smile:[/img] [img]:smile:[/img] I wish I had known all of this years ago, but something tells me there is a reason I didn't. I think now is my time, the right time, difficult child is in the best place mentally and emotionally he has ever been. He is NOT the same kid, dare I say I want to call him a easy child, or at least a typical teen!! easy child is older now, turning 8 on Friday and her father and his new wife moved their business here to our town , sold their house and bought one here. So many days I would normally have had to pay a sitter, he can take his visitation during those periods. Heck in the winter she's gone with her dad 3 nights a week for hockey anyhow!!!! Which also means those 3 nights a week I don't have to put her needs aside to study etc. [/QUOTE]
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