Domain: tiger-web1.srvr.media3.us The wife and I made a difficult decision this weekend | Page 36 | O-T Lounge
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re: The wife and I made a difficult decision this weekend

Posted on 8/14/18 at 2:30 pm to
Posted by NfamousPanda
Central
Member since Jan 2016
1167 posts
Posted on 8/14/18 at 2:30 pm to
If you have higher than a 24 on the ACT and a 3.0 high school GPA or higher, going to Southeastern is super affordable. Annual out of pocket cost is estimated at about $500. And only gets cheaper if your ACT and GPA were higher than that

Southeastern Scholarship Info
Posted by Anfield Road
Home of the Blue Turf
Member since May 2012
1948 posts
Posted on 8/14/18 at 2:30 pm to
quote:

Now explain why that is a bad thing. Let's assume you are at a reasonably priced school pursuing a proper degree.


I'm not saying it is a bad thing as long as the ROI makes getting a student loan worth it. In fact, I think if you major in something useful, it is worth it.

What I was looking for (and this is a mental exercise for me) are concrete numbers that show me that it is possible to go through college by purely working through it.
Posted by MrLSU
Yellowstone, Val d'isere
Member since Jan 2004
29503 posts
Posted on 8/14/18 at 2:31 pm to
You are one SELFISH SOB! Your children will treat you as you have treated them--good luck being alone when you get sick and need help because your kids can't afford to help you out because its just too expensive for them.
Posted by Mingo Was His NameO
Brooklyn
Member since Mar 2016
37536 posts
Posted on 8/14/18 at 2:32 pm to
quote:

Sure, Lnchs case isn't an apples to apples comparison


As in already had established work history and presumably savings, a second earner, and an established life as far as housing, car, etc, etc and it wasn't a 4 year university. You're right it's not apples to apples and not really comparable at all.

I'm sure it's technically possible to make it without student loans, but it would be very, very unlikely.
Posted by here4thepopcorn
Houston
Member since Aug 2018
209 posts
Posted on 8/14/18 at 2:32 pm to
quote:

Yall are just never going to accept that people can work and pay for school on their own.


I actually agree with you. People can definitely do it. However, I wouldn't except someone to finish on time and it would take awhile.
Posted by cgrand
HAMMOND
Member since Oct 2009
47567 posts
Posted on 8/14/18 at 2:32 pm to
in-state tuition at LSU is 12,000 or so per 24 credit hours. 12,000 is $1000/mo.

this is a gross oversimplification, but 1,000/mo is not a lot of money to have to earn while in school. i made double that in 1984 just by bartending
This post was edited on 8/14/18 at 2:33 pm
Posted by Displaced
Member since Dec 2011
33012 posts
Posted on 8/14/18 at 2:35 pm to
But you're taking away all the financial aid and options available to help fund it. If you aren't able to get any of those options (loans, scholarships, grants, etc...) I would argue that you have no business going to college at that time.
Posted by Anfield Road
Home of the Blue Turf
Member since May 2012
1948 posts
Posted on 8/14/18 at 2:35 pm to
quote:

I actually agree with you. People can definitely do it. However, I wouldn't except someone to finish on time and it would take awhile.


If it comes down to taking on loans and graduating on time vs. graduating debt free and taking a little longer (2 or 3 years), I'm taking the loan all the time. Opportunity cost to draw out your time in college is too great.
Posted by Mingo Was His NameO
Brooklyn
Member since Mar 2016
37536 posts
Posted on 8/14/18 at 2:36 pm to
quote:

this is a gross oversimplification, but 1,000/mo is not a lot of money to have to earn while in school. i made double that in 1984 just by bartending


Now double that and you're almost at COL
Posted by NfamousPanda
Central
Member since Jan 2016
1167 posts
Posted on 8/14/18 at 2:37 pm to
quote:

I actually agree with you. People can definitely do it. However, I wouldn't except someone to finish on time and it would take awhile.


I graduated in 3 years with a Business Management bachelor's degree with a decently high GPA, debt free with no help from family, and working 20-30 hours a week. It's possible. And not that hard IMO.
This post was edited on 8/14/18 at 2:39 pm
Posted by LNCHBOX
70448
Member since Jun 2009
88784 posts
Posted on 8/14/18 at 2:39 pm to
quote:

You're right it's not apples to apples and not really comparable at all.


It's almost perfectly analogous to a child though. The only thing that needs to be added are the shared cost of housinga nd utilities to make it a exact comparison tow hat this dude is looking for.

I'd say you would need to earn around $2000 a month to pay your own way assuming a frugal lifestyle with roommates.

$500 a month to housing and utilities
$500 for tuition/fees and books
$50 car isnurance
$50 cell phone
$500 food/living
the rest for whatever you feel I'm missing
Posted by cgrand
HAMMOND
Member since Oct 2009
47567 posts
Posted on 8/14/18 at 2:39 pm to
quote:

Now double that and you're almost at COL

COA is bullshite

you dont have to live in campus housing
you dont have to use the meal plan
books and shite are readily available now without buying new at the bookstore

back to the OP, he said he couldnt pay tuition, but that he would have his kids live/eat/etc at home
This post was edited on 8/14/18 at 2:40 pm
Posted by Mingo Was His NameO
Brooklyn
Member since Mar 2016
37536 posts
Posted on 8/14/18 at 2:40 pm to
quote:

you dont have to live in campus housing
you dont have to use the meal plan


You have to live and eat somewhere no?
Posted by cgrand
HAMMOND
Member since Oct 2009
47567 posts
Posted on 8/14/18 at 2:41 pm to
yes, at home (like the OP said in post #1)
Posted by Mingo Was His NameO
Brooklyn
Member since Mar 2016
37536 posts
Posted on 8/14/18 at 2:43 pm to
quote:

yes, at home (like the OP said in post #1)


Are you not following the conversation we're havjng



Or are you just dumb?
Posted by cgrand
HAMMOND
Member since Oct 2009
47567 posts
Posted on 8/14/18 at 2:43 pm to
there's a bunch of "can't" in this thread that is disturbing. no, you "can't" attend most colleges without assistance and/or a job if you insist on using campus facilities for everything

but you "can" get the degree without assistance which is all that matters
Posted by LNCHBOX
70448
Member since Jun 2009
88784 posts
Posted on 8/14/18 at 2:43 pm to
quote:

Are you not following the conversation we're havjng



Or are you just dumb?

quote:

back to the OP, he said he couldnt pay tuition, but that he would have his kids live/eat/etc at home
Posted by slackster
Houston
Member since Mar 2009
91502 posts
Posted on 8/14/18 at 2:44 pm to
quote:

For scholarships, there exists a subset of students that are hardworking and smart enough to finish college in a well paying major (i.e. engineering) but didn't have high enough ACT/SAT to earn scholarships. There were plenty of guys I went to school with who are doing well now but didn't earn much in scholarships. For the Mississippi Eminent Scholars Grant for example, you had to score a 29 on the ACT. I don't know much about TOPS, so I can't comment on that.


While most scholarships are available to new freshmen, there are plenty that are available to transferring/existing students too.

I think the point is that while it's not EASY to do without loans, it certainly CAN be done. However, you're not going to LSU/MSU from jump street - it's going to be BRCC to LSU or Copiah-Lincoln to MSU.
Posted by cgrand
HAMMOND
Member since Oct 2009
47567 posts
Posted on 8/14/18 at 2:46 pm to
quote:

Are you not following the conversation we're havjng

no, i have not read 35 pages of people whining that a college education is not possible without someone else paying the cost

not sorry
Posted by Anfield Road
Home of the Blue Turf
Member since May 2012
1948 posts
Posted on 8/14/18 at 2:48 pm to
quote:

It's almost perfectly analogous to a child though. The only thing that needs to be added are the shared cost of housing and utilities to make it a exact comparison tow hat this dude is looking for.

I'd say you would need to earn around $2000 a month to pay your own way assuming a frugal lifestyle with roommates.

$500 a month to housing and utilities
$500 for tuition/fees and books
$50 car isnurance
$50 cell phone
$500 food/living
the rest for whatever you feel I'm missing



This is kind of what I'm looking for. Granted it was 10+ years ago but I spent less on housing and utilities. I think $500 for tuition and books is a bit low. This would assume tuition for the year is only $6000. I guess this works during first two years in CC, but once you get to the 4 year college to finish off, is there anything that cheap? Also, books are expensive. I think I may have spent $400+ per semester on books though I probably was not as judicious as I should have been on this front. I bought from the campus book store instead of searching for used books online for 3 of the 4 years. Didn't trust online commerce until later. Car insurance looks reasonable especially if you have a beater. Phone plan looks reasonable. I can probably get the food/living for much less than $500 if I had to live like a college student. However, are there jobs that are available to college students that would pay for $2000 per month? Let's assume a college student is working for 30 hours per week (I worked around 20) or 120 hours per month. That would require a job that pays > $16 per hour. Where do you find those kind of jobs as a college student outside of co-op rotations?
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