My mom can't take out the extra loans for me because her credit is really bad
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She needs to apply for the loans and get the denial letter. Once she has been denied you become and independent student, and more loans and aid will be available to you. You also need to apply for all the scholarships available to nurses, there are quite a lot.
And remember if you can get through the first two years on your own the Navy will pay you $10,000 plus $1,000 a month for the last 24 months of college if nursing is the major. I think the AF have a similar program but not 100% sure on the details.
Worst case scenario you get your degree and walk out of college with large(ish) loans. Because of your independent status none of them will require payments until six months after graduation. You can then get your nursing license and earn a decent income to pay the loans off OR direct commission and the military will pay them off for a three or four year commitment.
BTW - what are your other school choices?
Would the Navy pay my last two years through ROTC or OTS? This is a lot to think about. I contacted a recruiter for the National Guard even though I'm not 100% sure what it is and I will contact an NROTC instructor to ask about the Navy paying for my last two year (I won't put it so bluntly).
I'll let you guys know what I eventually do. I really appreciate your help.
She needs to apply for the loans and get the denial letter. Once she has been denied you become and independent student, and more loans and aid will be available to you.
Because of your independent status none of them will require payments until six months after graduation.
This should not be happening as you can repay based on income. Everyone even with low or no income can afford their federal loans.Avoid student loans at all cost. They are killing the students coming out of school today. I have sent you a pm; look at it and think it through
sember5,
Thank you thank you thank you! I'm not to sure what the national guard is because my JROTC instructors never mentioned it. The way your son is doing is seems like a great idea. He may have to defer college by a semester but that's better than a whole year.
It's not what I wanted but I will definitely contact them and get the process started. I see that you need eight years of service; If ROTC counts as four than that's just great!
I can't wait to tell my mother! I'm a little bit relieved