So this just hit me, I am actually going to graduate school in the Fall! Which is so exciting but so scary too. I have only focused on how it will benefit me and the social aspect. I thought about the financial aspect but not as much. Right now I am job searching so I can have a little nest egg to start with in the Fall, I have two promising opportunities. I am looking more into student loans because I know it is inevitable. I know with Federal loans you can take out a max of 20,000 dollars, but I read on the website that they don't actually give you more than your tuition. I am going to OSU which is about 12,000 a year just for tuition, then I have to consider books, a place to live, food and my other bills (car, utilities, water, phone, internet) hopefully I will be able to get into graduate housing which covers utilities and I would just pay for water. I know my parents will help as much as they can but I have a brother in undergrad and they have pretty much stretched our money as far as it can go, I don't want to be selfish and ask them for more than they can give. I am afraid. Every aspect is so scary and exciting, I mean I know people do this ALL THE TIME and manage and it is fine but most of the advice I have gotten is from people who have two incomes which is great but not my case. I know also that you can take out Grad PLUS loans for if you need anymore than what you are given. How has the financial aspect worked out for you all?
I am wondering if I can find an on campus receptionist type job and then that would help, or even a job anywhere but I have to consider that I am going to school and my grades are my number one priority. I am just wondering how people do this alone? Am I being unrealistic? I got into an argument with my mom the other day and she pretty much said that going to school for social work is pointless because I will not make enough money to support myself. I don't believe that, I can do this right? I mean I just have to budget and you can pay loans back based on your salary (federal loans) I can do this, I know I will never be rich but I think that even alone making 40-50K a year is ok, and then if I ever have an other half even if they made 30K a year we could still financially survive right? I am jumping way ahead of myself (like always!) but I really believe I can handle this, I want this career so much. Any advice about working while in school? I looked up TA and GA and they aren't offered to graduate students. So any advice at all? About working, or living on loans, or just not being a ball of stress all the time?!