Some Questions, regarding USMC!

Strangely...

I've taken some time to reflect, and I think that I see myself being the most successful and happy per se at a school like Embry Riddle; this will involve me taking a big load of student loans, but manageable after graduation with a nice-paying job.
I'm either misremembering or missed part of the story. Didn't you contract with the USMC? Or you needed a parent's signature? Or you didn't need a signature but your dad didn't want you to be one of The Few?

Putting that aside, why will Embry Riddle be better than Norwich?

Also, what "nice-paying job" after graduation do plan on having?
 
Best of Luck to you. But the time is coming where you will need to finalize a decision and I believe this once again is not the final decision. Soon you will have to make a FINAL decision and live with it. AND …… based on everything you have posted it can be everything from Walmart greeter to the President of the United States. I Do wish you well but it is time to do some serious thinking about what your future will hold. This decision will put you on a path of potential success, potential debt or potential failure. No decision is actually a decision! As I have stated to you before is this thread this is YOUR decision, no one else’s. OWN it!
 
A lot of American youth would opt for a high paying job rather than service to country in the military so you have nothing to be ashamed of. It’s actually the American way today.

Devil Doc, they were never going the USMC route. They got cold feet within hours of signing and those feet never warmed. Dads opposition just gave them a supportive boost.

Alls well that ends well
 
@MichaelT2022, most of us here are “seasoned veterans” (not necessarily the military type, but the type that’s been around and seen a lot). Most of us are parents, so we know how indecisive and impulsive teenagers can be. And we well understand the pressures that young people face when making what seems like life-defining decisions. Which is why we’re here, chiming in with perspective to help ease your decision-making.

We’re also now suffering from whiplash, as surely you are too. Several posters encouraged you to take a “timeout” to truly assess all the moving parts. Some offered to provide direct, in-person advice. I don’t know if you took anyone up on that, but the indecisiveness and impulsiveness remain. Again, these are characteristic of many teens (and adults, for that matter). But you don’t seem to be learning or gaining from your circular yet wayward logic. It seems like one step forward, two steps back, repeatedly (including the multiple other threads you’ve started). I’ll echo others, with hopeful emphasis: You need to get off this forum, take several deep breaths, thoughtfully write down what you really want in the short and medium terms, and then talk it through with a trustworthy adult who knows you well but also is willing to call “BS” if necessary. If that process sets your timeline back, so be it. Better to take a clear and decisive step forward a year of two from now, than to continue wish-washing away depending on how the wind blows.

Now, for my extra two cents: Do all you can to avoid significant college debt. It’s an insidious and nasty thing, with a terrible ROI. It will eat away at your paycheck, your psyche and your quality of life for years. Given the choice between 3x cost paid by a loan and 1x cost paid by cash and scholarships, take the latter every single time. No college degree or experience is worth 3x another! I say this as someone who teaches at the college level, who sees too many students burning their parents’ — or their own — hard-earned funds: It’s not where you go, it’s what you do while you’re there.

Given your indecisiveness and impulsiveness, the best route seems to be in-state college (that you can comfortably afford) while participating in ROTC (with or without a scholarship). Try it all out. If all goes well, perhaps you can transfer to your school of dreams or earn an ROTC scholarship. If you change your mind and/or things don’t work out, you’d still be on a good path to a college degree — but without the weight of significant debt dragging you down as you embark on your career.

Now, about that timeout and deep breaths…
 
School debt should not exist for any student that is talked out of enlisting , where they would be a functioning independent adult, and really encouraged to go to civilian college instead.

The debt should rightfully be dads.
 
He thinks it's a waste, because he doesn't support be going to become a soldier. He states that even after 4-years there are no guarantees you're gonna be alive/or injured. He supports me becoming an officer, he just thinks I'm wasting time by going AD, instead of just doing ROTC next year at school

Um.......Marines are not soldiers.
 
You're right, the weather won't shock you, but the risk of visiting in Jan/Feb is that you hit a snowstorm during your trip that just complicates everything or forces a cancellation. That's not a reason not to try, just be aware.

During your visit you'll do all the normal activities--take a tour, check out your favorite academic programs and sports, etc. From my view the biggest downfall of Norwich is the feeling of isolation for some students. Northfield is small and has no nightlife to offer. And if you go 20 miles down the road.....well, more (or less) of the same. Ski/snowboarding opportunities are extensive, but expensive, and those are really only possibilities after Rook year. Barracks life on the weekends is fine if you have a good group of friends.

So, during your visit give serious consideration to that intangible: Will you enjoy your place in the backwoods of Vermont. But don't get so hung up on it that you pass up a really good deal and good education because you can't tolerate some discomfort. You did almost go to Paris Island, after all. : )

My wife and I most recently stayed at the Margaret Holland Inn, a B&B within a 5-minute walk of campus. It was nice.

Of course getting a beater used car & travelling an hour to the northwest on I-89 for weekends in Burlington isn't a bad idea either, at least after freshman year. The ski resorts in Vermont give nice discounts to students too.
 
Hey Michael. It is obvious that you are trying to weigh all your options and see what might be the best fit for you. We kind of tease you about this because you seem to have constant updates and changes of mind on your plan. And that is fine. You are young and it’s great to have options! May 1 is typically the response deadline to lock in a plan for college. All high school seniors are currently awaiting admissions decisions, scholarship offers, and on SAF, offers of appointment. There is no rush right now to decide on anything. What I preach on here to candidates is that you want to have as many options as possible – keep doors open! There is often self-doubt and I see young adults all the time on SAF self-select themselves out of what could have been a wonderful opportunity for them – don’t close a door on yourself! Keep everything out on the table so that when decision time comes you have many items to choose from, all that you earned for yourself. Are you applying for every scholarship opportunity that could possibly make ERAU a reality? If not, get after it!
 
I THINK that he wants to be a military officer.

[Sarcasm]Maybe the military has started giving higher pay to officers who went to expensive schools?[/Sarcasm]
Any time someone starts out their “I want to be a Marine ” followed by I don’t want to have a “combat job” I always wonder why on earth fixate on the Corps——-is it the uniform?

There is nothing wrong with following dads wishes and going off and staying safe and making loads of money after college while not serving in the military.

This is the path most Americans would take,

And nothing wrong with this it’s legal.

Serving in the military, being a teacher, a fireman, a police, or peace corps vol is not where the big money is.

Dad knew what was right for his
 
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Hey Michael. It is obvious that you are trying to weigh all your options and see what might be the best fit for you. We kind of tease you about this because you seem to have constant updates and changes of mind on your plan. And that is fine. You are young and it’s great to have options! May 1 is typically the response deadline to lock in a plan for college. All high school seniors are currently awaiting admissions decisions, scholarship offers, and on SAF, offers of appointment. There is no rush right now to decide on anything. What I preach on here to candidates is that you want to have as many options as possible – keep doors open! There is often self-doubt and I see young adults all the time on SAF self-select themselves out of what could have been a wonderful opportunity for them – don’t close a door on yourself! Keep everything out on the table so that when decision time comes you have many items to choose from, all that you earned for yourself. Are you applying for every scholarship opportunity that could possibly make ERAU a reality? If not, get after it!
Thank you for this... I am trying to apply to all sources I can find. I spoke to a financial advisor, and I explained that I may be taking up to 200k in debt, BUT although this may sound awful at first, with my Aerospace Engineering Degree - I'd be earning around 100k+ a year. The lady explained to me that I should expect around 30% - 40% of my salary to go to paying off student-debt, and a 15 - 20 year loan plan may be ideal.

I would also be taking a part-time job down in Daytona if I were to fully commit. Therefore, I can "pay-as-I-go."

I think, once I get everything settled with these loans, I will be committed.

Note: I've spoken to counselors at ERAU - I may also qualify for "donor-scholarships," so my debt may also drop a bit more as time goes on.
 
Thank you for this... I am trying to apply to all sources I can find. I spoke to a financial advisor, and I explained that I may be taking up to 200k in debt, BUT although this may sound awful at first, with my Aerospace Engineering Degree - I'd be earning around 100k+ a year. The lady explained to me that I should expect around 30% - 40% of my salary to go to paying off student-debt, and a 15 - 20 year loan plan may be ideal.

I would also be taking a part-time job down in Daytona if I were to fully commit. Therefore, I can "pay-as-I-go."

I think, once I get everything settled with these loans, I will be committed.

Note: I've spoken to counselors at ERAU - I may also qualify for "donor-scholarships," so my debt may also drop a bit more as time goes on.
I assume you are now looking at civilian careers and enlisting in the Marines or doing ROTC at an SMC or other college are no longer in play?

Be sure you are researching “entry level aerospace engineer” for salary ranges. Much will depend on zip code and competition with other new college grads. You will have no engineering job experience or engineering management experience. Allow for federal and state income tax (if applicable), rent, food, car payments, car insurance, car gas and maintenance, travel, personal entertainment, mobile phone and streaming subscriptions and internet, renter’s insurance, and the healthcare plan payment that will likely be a monthly deduction from salary. You will hope to be putting money in an IRA and company 401k for long-term retirement savings, which are best started in your early 20’s (or the earliest you have earned income) when you are earning a full-time wage - ideally 10%, which takes discipline, but your 80 year old self will thank you for being smart enough to set yourself up very comfortably. Your credit score will reflect the heavy debt load and will impact your ability to get the best rates on other consumer loans.

Put in the legwork to really research what this means. There are plenty of “budget apps for new college grads” type of tools out there.

If you take a 15-20 year loan, ask how much total interest you would pay out over the life of the loan. Ask if there are any debt forgiveness/deferral programs, such as if you went into government service as an engineer. Does the financial planner work for the loan provider? Are they a fiduciary? (Look it up.)

How old will you be in 15-20 years? Are your expenses likely to go down or up? Partnership, marriage, children, house, kid activities and expenses and college fund, grad school, more cars, more healthcare, more…

These are all rhetorical questions; I am not looking for answers. We have seen you sampling so many different options in your time here on SAF, we want you to make an informed choice that is the best path for you.
 
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Thank you for this... I am trying to apply to all sources I can find. I spoke to a financial advisor, and I explained that I may be taking up to 200k in debt, BUT although this may sound awful at first, with my Aerospace Engineering Degree - I'd be earning around 100k+ a year. The lady explained to me that I should expect around 30% - 40% of my salary to go to paying off student-debt, and a 15 - 20 year loan plan may be ideal.

I would also be taking a part-time job down in Daytona if I were to fully commit. Therefore, I can "pay-as-I-go."

I think, once I get everything settled with these loans, I will be committed.

Note: I've spoken to counselors at ERAU - I may also qualify for "donor-scholarships," so my debt may also drop a bit more as time goes on.
$200k in school debt is insane for an undergrad degree. Even if you make $100k/year out of college, paying 30-40% of your take home (after taxes) to school loans is not a great plan to start life out with. Even with pay increases, you will be struggling to save, buy a house, start a family for many years. You can earn the same degree at a state school for a fraction of the cost and land a job at those same places. ERAU is a solid school, but not for $200k of debt.

You have jumped all over the place on schools, programs and even the military. Time to pause and slow down. A decision isn’t needed tomorrow. This is your first adult decision in life, don’t rush it.
 
I explained that I may be taking up to 200k in debt, BUT although this may sound awful at first, with my Aerospace Engineering Degree - I'd be earning around 100k+ a year.
GULP!

That sounds awful at first…at last…and in the middle! To provide some perspective: Home lenders typically won’t give someone a mortgage if their total annual housing expense (most of which is that loan) exceeds 25% of gross income, or if the grand total of their annual debt payments (mortgage, auto loan, student loan) exceeds 36% of gross income. Another commonly used ratio: One should not take out a mortgage that exceeds 2.0-2.5 times their gross income.

So let’s apply these simple principles to a student loan, rather than a mortgage: $200K student loan vs. $100K gross income. Yikes! Don’t plan on any bank giving you a home mortgage while you’re paying off that student loan. You could be renting for a long time. Not to mention that over 15-20 years, you might pay nearly as much in interest as you do in college expenses.

(By the way, as someone who has relatives and friends who are financial planners: I would run like the wind from any planner who told me it was OK to devote 30%-40% of gross income to student loans. That’s borderline malpractice!)
 
I can personally attest to making 100k+ per year and owing 150k in student loan debt SUCKS. You throw thousands of dollars per month at it but just like a 30 year mortgage, only about 5% of your actual payment goes towards principal.
 
Some solid advise, from some very intelligent people given here on the SAF. If I was you I would think long and hard and take some of this advise. Starting life off with substantial debt is a bad idea. I know that there is a lot of people that do it however it is a heavy burden to carry. Weight your options, do not jump at the one that sounds cool. You need to do a lot of research before making an informed decision. You are lucky to be receiving all this advise, take it all into consideration.
 
You should have bailed on the USMC enlistment commitment you made , that your dad was so opposed to from the start, only after getting dad to pay for your civilian school. It is after all what he wanted right from the start.

Your dad talks you out of enlisting And now you will be on the hook for all these massive loans that will last for much of your life..

And based on your starts and stops , starts and stops , starts and stops, all within a few short weeks, and firm life plans that lasted only a few days for you——-there is no for sure that you will graduate and with that degree.

And no for sure if you do graduate you will do so in four years——especially having to work a part time job.

This is what your dad wanted from the start——why is he not paying?

You need a copy of Art of the Deal
 
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