How Does One Pay for College? – #Undergraduateadult

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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 to learn how you could afford your higher education.


Can One Pick a Degree at 50+ – #UndergraduateAdult

Did you go off to college after graduating from high school?

Most times, if you are going to continue with your education, you enter college right away. What about those who had to put off their higher education for various reasons? Do they stand a chance at their degree years later? Or, is it a lost cause?

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Maturity Happens

High school graduates think mostly about finding a mate to pass their time away. They have their lives ahead of them, and they’re in no rush to get on with living a professional life. Once they enter college, it marks their freedom from the parental rule. It is party time, with boys and girls, social life is more important to them at this stage in life vs. that educational path to Professionalism.

Their studies suffer if they can’t give their full attention to the class work, causing many to drop out of school after their first year.

At 50+ years, life has already happened for us. Most of us now have grandchildren, while our own children should be graduating from college. We are more focused on what we want in life as we come closer to our retirement age. And yes, we have bucket lists.

What is on your bucket list?

College is one of the top items on my list. It has been for many years. I feel focused on where I want to go with my life. What I want to do and how I want to do it.

I was going to stop at an Associate degree when I first decided to go back to school last month. Now I think I want that bachelor degree after all. So what if I have 15 more years until I am at retirement age. For all I know, the government may raise the retirement age before I reach 65. I’d have to work longer in life after all, why not make a career change that would see me through the rest of my life.

I believe I will pick Bachelor of Science – Integrated Studies. Then I will be able to pick and choose what I want to learn. Whether it be Human Resources, management, accounting. Maybe a little of everything.

My Answer

Yes, you can pick a degree at 50+. You have your whole life ahead of you. One never knows when they are going to die, just make the best of things while you can. Take care of yourself, you’ve made it this far. Maybe you will be around for another 50 years anyway.