Is Vmi worth 3 years of 160k of student loan debt, Anyone who has done out of state tuition for 3 or 4 years

Nsa2029

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Sep 29, 2023
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Vmi guys I really hate to be frank like this but please give me your honest opinion. I have a pre existing condition that prohibits me from contracting.
 
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Vmi guys I really hate to be frank like this but please give me your honest opinion. I have a pre existing condition that prohibits me from contracting.
Agree with all the other posters. Are you sure you want to go to VMI? You have left The Citadel twice (not sure if you were asked to leave or you left on your own accord). I can promise you that VMI is no different and by all accounts more spartan and difficult. Ask yourself why you were not successful before. Have you addressed those shortcomings?
 
Agree with all the other posters. Are you sure you want to go to VMI? You have left The Citadel twice (not sure if you were asked to leave or you left on your own accord). I can promise you that VMI is no different and by all accounts more spartan and difficult. Ask yourself why you were not successful before. Have you addressed those shortcomings?
Yes
 
College professor here. My opinion on this is simple: No! Hard no! Very hard no! No college education is worth that much debt. Not now. Not ever. You'll be a beast of burden for years, until that loan is paid off. Not how you want to start your career.
 
Hell no.
Please take no offense, but I suspect you would not last a week at VMI. Be honest with yourself, VMI is a VERY tough and sparse place and it’s not for everyone. You’d spend a lot of money and leave with nothing, kinda like a bad poker night!
 
Nsa2029, you have posted a lot lately chasing an SMC. From what you have posted, you attended the Citdel and got shown the door. You also mention having a medical issue that would prevent serving. I am sorry to hear that. I think you need to spend some time really understanding what you are hoping to get out of the SMC experience. There are other ways to ‘serve’ without wearing the uniform. Every service needs capable, well trained civilians as well. You need to figure out what you want to go after, what school will get you there without being in debt for decades, and then go after it. You mentioned a GPA (fairly low if I recall). What is wrong with a community college to knock out core courses and work on your study habits? There are lots of internships and other programs that the federal government has that lead to civilian roles. Spend some time researching, reflecting and look outside the SMC path as well.
 
10000 pct NO.

Mom here. Four of my own, exchange students and all the friends seeking advice over the years. And what I would tell my own, as you have presented here, would be to maybe consider taking some time off. Work for a while. Find your passion and niche. You will. Higher education isn’t the end all be all for absolutely everyone.

There are successful people everywhere who don’t go that route. Have you considered a trade? Why are you set on military service?

Have you taken a career interest survey to see what and where you fit?

Have you talked to trusted adults about where THEY see you fitting?

Until you are solid and committed, don’t create debt that will follow you around for a very long time. Affecting you credit score and ability to finance. Affecting you cash flow. Go ahead and plug your debt into a debt calculator and see what you payment will be, and for how long. Also look at the COST of the debt: how much will you REALLY pay (interest)? And consider that you are taking away potential investment opportunities of that money, and reducing your retirement income even. Future growth of that money you are paying interest on, instead.

Its allll more than 160k.

I would advise my own to step back maybe for a year (unless you are that away from completing a degree). Work hard. Gain some maturity and life experience. And figure yourself out a bit. You may have a whole different outlook and perspective.

Lastly, be kk d to yourself. Extend yourself grace. You will find your niche. We all do. And often it is not the nice we saw ourselves in, or the one we want. But we make our way!!
 
My daughter has one more year left for her doctorate in child psychology. Has a masters and BA. She has less than 50k in total student debt and has been independent since 20.

My twin brother got his PhD and had the 150k student loan. He was saddled with a payment bigger than a mortgage. Luckily he was in the right field as a professor to make a salary worth that type of debt. I did the tax return for a woman with a PhD in English making minimum wage working for a newspaper - she was bitter.

Every student should study the costs of their plans and their realistic fruits of their work to determine if it’s worth it.
 
I was very direct earlier trying to give some “tough love” advice here…
Seems there is a consensus that you should do some soul searching and find yourself to determine what you want to do in the long run. Going to any SMC just to leave again is a waste of your valuable time and resources. Wish you great success but take some time and look deep into yourself for honest reflection.
 
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