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So I'm debt free right now and have very good credit. I have enough money saved to pay for my cost of living for 1 year, and tuition for 1 year. I have accepted admission to UCLA's MSW program, a professional degree program for a masters in social work. I plan to work in mental health, likely government work for the first few years out of school then eventually once licensed as an LCSW private practice as a therapist in California, or a mix of gov work and private practice on the side. Tuition and cost of living remaining will be about 30 thousand dollars for my second year. I was provisionally offered both the Federal Direct Unsubsidized Loan for $20k and the Direct Graduate Plus Loan for $27k Considering this, what do you think is the best option, considering the above loans and any others out there for a loan to pay for that 30k, considering my good credit? I would prefer to keep the cost as minimal as possible because out of school my income will be low, probably around 50-55k a year to start. Thanks!!!
I did my undergrad in philosophy and quickly learned how competitive teaching at the college level has become (overwhelming adjunct faculty, etc). Originally I wanted to teach philosophy at the college level and I have been studying for the GRE (as hard as it is for me b/c I don't remember so much of the math!). I am still in self debate mode but I have now turned my attention to online Masters degrees in Education (emphasis in science or social science) since with my current financial situation it's not practical for me to move and/or drive an hour each way to school (I have student loan debt and credit cards, etc). I have been checking out the USC Rossier school online but have read some bad reviews and it is one of the most expensive. With that said, I'd like to get some thoughts and/or new information regarding choices. •What online M. Ed programs are good (if any)? Are any worth it? If possible, I would like to avoid having to take the GRE (since it's been many years since I did all that math and studying is going to be uber time consuming - but I suppose I would do it if I felt like I needed to in order to achieve my desired outcome of getting a good job teaching K-12 somewhere). Any other thoughts/advice would be amazing. Thanks all!