Posted in Blogging, Returning to School 30+ Years Later

How Does One Pay for College? – #Undergraduateadult

Image courtesy of creative commons license By: Tax CreditsCC BY 2.0 via flickr.com

Are you thinking of going back to school?

For years I kept thinking about my missed opportunity to go to college after graduation. My friends went, their friends went, and all found professional careers.

But I never went. Instead, I settled for being a low skilled worker. I never viewed myself as a low-skilled worker until recently. All those different jobs I did over the years never added much to my skill sets. They were fundamental skills that could be applied to most anything, except to a profession.

I was happy with my basic skill set. What mattered to me was making a living. When I say making a living, I’m talking about a surviving living when one can afford to live off of the weekly pay they make. There was a time when companies would make certain that their workers could afford to live in their communities by keeping up with the cost of living increases. This isn’t happening so much anymore.

More and more businesses are balking at giving employees cost of living raises or any raises for that matter. It takes money away from their bottom line. If they dish out raises than they won’t be able to keep people on for resources.

Well for the past couple of years, it has become more and more difficult for me to continue living within my community. The cost of heating fuel has increased, the cost of health care has grown, and the cost of food has increased. But, my wages have not.

Something needs to change, I guess it has to be me. If I want to earn a better salary, then I need to have a better job. To do that, I need to improve my skills by going back to school and earning that degree.

How will you pay for your education?

When I first started looking at colleges, I didn’t know anything about financial aid. I thought one had to pay out of their own pocket for schooling since it had been years since I had applied to go to school. Financial aid packages were only for the students that were heading to college right after high school. At least that was what I thought. Had I only known…

Have you ever wondered if you could afford it?

I thought, I could take out a loan, or put my education on a credit card. But that sort of financing would only cover the cost of one or two terms. I lacked the cash or monetary funds to pay for the courses from my own pocket. Scholarships would work, but how does one get them? Especially when they have been out of school for so long?

More than likely you can afford the cost of college if you have never enrolled.

I hemmed and hawed about going back to school until my student advisor told me that it wasn’t as expensive as I thought.

How could $380 a credit not be considered expensive?

She had me apply for financial aid, otherwise known as a Pell Grant.

Pell Grants are money from the Federal Government that is used to pay for a higher education. This money is not paid back. The loans that follow that is what is paid back over time.

This money is based on your income. You submit a copy of your tax return and then the government decides how much money and what kind of money you qualify for based on your income. Then you don’t need to repay the loans until you are done with school or drop your course load below full-time status.

Had I known about this money and how easy it was to file for, I would have gone back to school sooner.

Are you still wondering if you can afford to go back to school?

 

Visit https://studentaid.ed.gov/sa/fafsa to learn how you could afford your higher education.

Author:

Linda is a student at Franklin Pierce University studying Business Management and works a full-time day job. She not only blogs when she has time, but she writes Young Adult Contemporary and Romance. Fantasy too. Since 2013, she has been a member of RWA and has published six books since 2010. One of which is a short story collection. In her spare time, which seems to be a rarity, she likes to knit, crochet, quilt, and sometimes garden, and find a chance to play with her pooches, Keelaa and Julie.