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Found 21 results

  1. My apologies if this has already been addressed in another thread here. I'm interested in creative ways to help reduce student loan debt. I ended up taking about $20K to $25K more in loans than I expected due to several factors, a) the university dramatically increased student housing costs from the time of my admission to the time of my defense (up 48% in four years); b.) my family's health needs during my studies prevented me from taking a substantial part time job; and c.) there was no real economy where I attended anyway (e.g., only entry-level minimum wage jobs). Now, I'm looking at my ow
  2. So, long story short, I’m almost halfway finished with my first year in an MSW program and I’m having serious doubts about whether this field is for me. Ever since I started thinking about pursuing this path I wanted to become a therapist, but I’m not even sure I believe in therapy anymore. I know there are many other possible career paths in the field, but tbh, I’m not sure I want to be involved with mental health at all anymore. It’s not my passion; it never has been. I pursued this because I thought it was practical (hilarious, I know, but my other idea for my life was to become an academic
  3. Long story short, I just calculated the amount I would have to take out in loans for tuition alone assuming a small scholarship and it's over 30k. Add loans for living expenses to that, even assuming I'm incredibly frugal and my partner is helping to support me, and I feel like I'm looking at 50k in debt for this degree. Feeling really down especially seeing as I already have over 40k in debt from my useless undergrad. This is what I want to do with my life and I don't want to get discouraged, but damn. I thought I was being smart by waiting a year and trying to get in-state tuition, but $50,0
  4. Hi hello it's me, creator of a million and one threads, haha. Sorry to post again but I really need some advice. I was accepted to Pitt yesterday (yay!!) and I really want to go. However, I'm worried about the amount of debt I will have to take on in addition to the debt I already have from undergrad. This is my second cycle applying, and I have a strong desire to start grad school this year. I feel like I'm ready and I don't see the point of waiting any longer (it's already been almost four years since I graduated from undergrad). However, I can't stop comparing the tuition at Pitt (22k) with
  5. So, Fletcher School at Tufts University has been my dream school for some time now. I got admitted into MALD and want to specialise in Development Economics but also take a few classes in Social Entreprenurship and International Political Economy. The flexibility of the MALD degree allows me to do that. I am particularly drawn to the cross registration option with Harvard and would love to take Social Entrepreneurship classes at Harvard Business School and also build some contacts. My problem is funding. I have received funding of $24k for two years (12k per year) from Fletcher. Still, th
  6. Hi everyone, One of the scariest things many of us who aspire to be SLPs are facing is the cost of education. This is a very sensitive topic for many people, including myself. I was not very smart about student loans as an undergrad, and am very worried about the amount I will rack up if and when I am accepted into a graduate program. I graduated with over $100k in student loan debt and am wondering if going to graduate school and tackling a possible $200k loan (due to interest) by the end of the program is worth it. Salary was never a huge thing for me going into CSD. It was never the r
  7. Hey everyone, I am about to join a PhD program in US this fall. I recently came across an Article about debt during PhD. The article mentions that the average grad school debt for Social Science PhD holders is $24,581, but it doesn't mention how students go into debt. My field is Social Sciences. Although I have been offered a tuition waiver and stipend for 5 years. Should I be concerned?
  8. Hello all. I need a bit of help deciding between Mills College and Wake Forest for their English MA programs. I've spoken with both schools and will be visiting shortly. They both assure me that they place students very well into top doctoral programs and - at least for Mills - into positions outside of universities (publishing, journalism, private high schools, community colleges, and so on). But neither program seems to have or to want to cough up hard data regarding their past placements. Is this something to be concerned about? Or maybe, more pertinently, does anyone have insight into the
  9. ????????

    CIR Chicago

    Hello all, I was accepted to the CIR program at Chicago (very excited and surprised) with 38k in funding. Yet this still means I need to shell out a lot of money for a masters. I plan to follow through with a phd program. I'm very interested in improving my language skills and doing a research assistantship. Are these goals feasible in a single year in such a rigorous program? Is 19,000 dollars in debt a deathtrap for a masters? Is this an normal amount of funding? I'm basically right out of undergraduate with a little research experience and time abroad (+bad quant GRE). I'm not willing
  10. Hey, everyone I was recently admitted to Simmons and Smith MSW programs, but both were entirely too expensive (around 80k in debt, taking into account both scholarships and grants). I've been pretty bummed about it and now I'm worried I won't be able to pull off going to grad school in the fall, even despite getting accepted. I have also been admitted to BC and Loyola, but haven't heard back about funding for either. I'm hopeful, but still skeptical. I have read a few threads asking how much debt is too much, etc. and it seems that the general consensus is that it's a personal
  11. Hello all, I'm going to add to the chaos this decision-making season. I have been accepted to the strategic studies program at SAIS DC with no funding, GWs Security Policy Studies Program with 7k a year, and Korbel's International Security program with 20k a year. I already live in Denver, and I know that Security is one of Korbel's top programs. But, will I be at a disadvantage if I am not in DC? I know Korbel offers the Global Security Program in DC for second year students, but it is highly competitive. Also, GW allows for two concentrations, the second of which for me would be
  12. Hi all, I spent two years researching and visiting programs in order to find the right MFA, and I got into my top choice and I’m super excited to start this fall! I applied to five programs and was accepted, and offered a teaching position and full tuition remission, at three. I picked up some helpful advice along the way and I thought I’d share. My disclaimers are, 1. Obviously this is my opinion, and others might feel differently. 2. I’m enrolled though I don’t actually start school until September. My perspective on my choice could very well change after a year of grad school! He
  13. About how much student debt do you have and how do you plan to repay it? I'm at over 40K right now and my loans are due for a payment soon since I graduated some time ago now. I seriously can't afford these payments with all the other things I pay for. I feel like I'm stuck and I definitely don't want any lack of future payments since that would hurt my credit score. Anyone dealing with this and found some sort of solution or a way to help?
  14. Hi All, I find myself paralyzed by the prospect of selecting a graduate program before even applying to a single program! Crazy, I know! Nevertheless, I'd greatly appreciate strategies, wisdom, or anecdotes from anyone who has considered planning for a masters and a doctorate. Thank you so much! Some context -- For the last couple years, I have planned to go for a MPH in environmental health, followed immediately by a PhD in medical anthropology. I decided on that order, hoping the MPH would buy my some time to explore other PhD tracks, and give me a stronger skillset and more refine
  15. As you can see in my sig, I'm applying to a lot of schools. I'm in Virginia so only 3 of them are in-state (4 if you count the fact that D.C. schools do 'american student vs international student' instead of 'in-state vs out-of-state/international'). On another forum someone reminded me of the old adage of "don't take out more loans than your first year's salary". If the stats I found online are right, the median salary for SLPs is about $58k. Probably a little less for first-year employees. By that logic, and provided these stats were right, I could only afford *one* in-state school
  16. Hi, I will be starting 2nd year of MPA at Columbia SIPA. I'm an international student. Though I have a partial scholarship from SIPA and taken a loan for my studies, the living and course have been so expensive that I'll run out of money to finance my last semester. I have already reached out to Prodigy Finance and MPOWER for additional loan, but they have declined my application. Since I'm an international student and have no one in the US who could be a cosigner for US bank loan, that is not an option. Plus, my family can't support my studies since it's not affordable. Are there any oth
  17. Not sure if this has been discussed before, but does anyone have any experience or know of people that are doing the public service loan forgiveness program? I assume a lot of people on this forum are looking to enter government service after they graduate, so wanted to know if anyone was considering taking on the extra debt with the intention of applying for this program? I know that you have to make 120 monthly payments, which would commit you to 10 years in that career field, which is a long time. Let me know your thoughts!
  18. Okay, so I was browsing the net and found this : http://www.apa.org/gradpsych/2013/01/debt.aspx You can go through the article but the statistics shocked me. " APA's latest survey of doctoral graduates, completed in 2011, revealed that more than two-thirds of all students took out loans during their education, with the median amount of debt ranging from $30,000 for psychology research PhDs to $80,000 for students in health service professions. PsyD students graduate with a median debt of $120,000." I know it's 2011 figures but I find this ridiculous. Not one psychologist
  19. First post! Pianist here. Going for the MM. I have no money so financial aid is a big deal. I've been admitted to Michigan, NYU, Boston Conservatory, and Georgia. Waiting on Mannes (no decision yet) and CCM (waitlist). I got rejected to seven other places, but that's neither here nor there. Georgia is offering a full ride with an assistantship and a stipend. NYU is offering an assistantship only, which does not cover living expenses (in NYC!!) Michigan is offering a big fat $0. But they are asking for the details of my other offers, because "funds may become available." I don't know what to
  20. I've seen this issue come up on a few different threads, so I thought I'd give my two cents. I am currently concerned about how I will pay for my MSW. I have long known that this is an expensive proposition. As such, I have set a personal cap of the amount of loans I am taking out to fund this venture. I have done research on income based repayment and loan forgiveness. I LOVE Heather Jarvis, the person I liked to, as a student loan resource. Thing is, I really don't want to either pay off loan for a really long time, nor gamble on the decisions of lawmakers to fund my higher education.
  21. Hello Everyone, I am in a bit of a quandery, and I was hoping that their might be someone on this forum who can offer me some advice. I was accepted into Florida International University's history Ph.D. program last month and was nominated for funding - I won't find out the results until sometime in April, and only after I accept their offer of admittance. There were the only program to admit me this cycle (1st time applying for doctoral programs). However, I am currently on the fence as to whether or not I should accept the offer and attend (if I receive funding), or return to my home in s
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