I have no clue what to do. I'm two years away and I'm afraid I won't be able to apply for my dream school (It's the only Art institute in Canada and I really want to go there!!) How did you pa or how are you planning to pay?
I'm in college now, and I have to take out loans. My problem is that I don't get an financial aid, because the FAFSA, which determines how much you're expected to contribute, seems to only be taking into account that my dad makes good money. Except he's supporting a six person family on this one income, and my sister will be going to college the year after next. >.<
But yeah, loans. My parents are paying the interest now every month, and then once I graduate, I plan to move back home for a while, to earn money to pay off the loans.
I'm planning on contributing any work money I can and taking out loans. Oh, and savings.
Universities and colleges and such things usually have a financial aid officer whose job it is to find money ferreted away to help students who want to go to school. I would call the school, or look them up online to see if you can find who this person is at your Art Institute.
They really want you to go, and have lot of alumni and other interested parties who donate to special funds just to help people like you!
Ask, and see what it takes to tap into those resources!
Also, talk to your high school guidance counselor! There are lots of people around whose job it is to get you to college, the trick is just tracking them down.
Scholarships, my savings, and the college fund my parents have been putting money away in for years. ^^
Even then, I'm only really set for the next year at best. My parents will not allow me to take out any loans as they believe it's best for me not to start out in debt. We could get more financial aid from my college, but since my house is technically worth quite a bit of money they consider us "rich." It's funny, when we bought it, it was only worth less than a 15% of what it's worth now. We could never afford it at the current market value, but the financial aid people don't understand that. There's also the fact that I'm not a minority, so I'm excluded from most help. There are no academic scholarships, so even though my grades are high there's nothing to win. There's a large chance my parents will put our house on the market to pay for my last two years.
I really have no idea. There's no way my family can afford 6 years of university for me - and I'm headed there next fall.
I'm applying for OSAP - an Ontario government loan program. Plus all the bursaries and scholarships that I qualify for, though they tend not to give many out to students applying to something as useless as a Bachelor of Arts in Theatre Studies . . .
With OSAP, I'll be in huge debt after university, so I may be paying it off until I'm 30 . . . but I'd say it's worth it, and huge debt is really my only option. OSAP, or a bank loan plan, either way they'll be money to pay back later.
I don't qualify for financial aid, because dad makes too much. But my dad doesn't believe in helping kids through college they need to support themselves...
In addition to buying my own car by myself, getting my first job by myself, and moving and buying into my first house by myself, I found an employer that'll pay up to $10,000 a year for tuition. So that helps a lot. I may not go to an ivory league college but it's good enough for me!
Quote Suki Kurokaji:
Wow - I am so glad that I'm not the only one that FAFSA has completely screwed over! Yea, loans - lots and lots of loans... plus working.
I live in canada so I don't know if that makes a difference
If i get my metis card (which I'm unsuire of, I look metis but I don't have that much blood in me) that could help. And the Art Institue has a finacial aid officer to help. I never had a college fund set up and I barley make enough money to suppost myself through the week (small town no job opportunities) I can't find any scholorships for the school but I am looking and emailing for information. The last thing I want to do is take out a loan but...if I must then I have to.
For me, my mom had "college accounts" for us since we were babies. It's some system where it would gain money each year, depending on how certain stocks were, but we would never lose money. So the worst that could happen is that it would stay the same for a year. 1/4th of the money is released to us each year, now that I have just begun college - this way we'll get all of it over four years. It covers about half of my total college payment (tuition, boarding, fees, etc).
The other half is almost completely covered by government financial aid, called FAFSA. We applied for it a few months before I graduated high school, and it's a combination of grants (don't pay back) and loans (paid back monthly, but not until after we graduate). The amount of aid an individual gets is based on many factors, like household income, number of kids in the house, level of education of the parents ,if I'm working, cost of my school, and many others. I was lucky enough that I got enough aid to almost completely cover everything that the college account didn't.
After using my aid and college account, we ended up being only about $1,000 short this year. To pay for that, we set up a monthly payment plan with my school to make those payments smaller and easier on my family. So for now I'm mostly covered, and when I graduate I won't have terrible amounts of loans. I'll be in debt, but not as badly as my sister (who's school is twice as expensive as mine, and sher grants are the same as mine, so her loans are way bigger).
I don't know how it works up in Canada, but maybe this will help
My best general advice?
- If your country has some sort of student aid, apply! The worst that'll happen is you'll be denied!
-scholarships! Usually free to apply for, some don't even require essays, and every little bit counts! Even little $100 scholarships can at least cover a textbook or two, or some art supplies. (I'm a graphic design major, I understand how expensive being an artist can be! XD)
-Start saving now! Ask your parents if they have money to help with! I didn't know about my college account until I started applying for colleges! If they don't, maybe you can all start setting money aside. In two years, that could add up to quite a bit
Sub of Zuzie
Financial aid is my best friend, I love you Pell Grant and Training Grant!
i pay using pell grants from the government and subsidized/ unsubsidized loans
the loans are the only thing i am having to pay back.
My fist two years i toke at a community college, which was a total of $11,000 (5,500 per year)
My next 5 year are at a state university, which will cost around $50,000 ($10,000 per year)
but i am also living in a rental home with my boyfriend so my cost are a lot less then if i lived on campus
I'm about two years away as well. I say about because I plan to work full-time for a year to save up some money.
I'm just finishing grade eleven this year. Gah, I'll be a HS senior next year! D:
I'm scared to go off to uni or college and find all this money to use for fees and all. Thankfully, due to living where I do and the fact that I did all my schooling in this city, I get something like (Not really sure. Totally blanking on it.) 1 or 2 years of the government paying for my tuition, book fees, boarding fees (If I choose to live in a dorm. And I probably will), and a food loan. I don't have to pay back the money for the tuition, book fees or boarding fees, but I do have to pay back the food loan. After all, it is a loan. But it's $700/month. No way would I turn that down even if I have to pay it back.
The rest are gifts from the government, which is totally awesome. :3
The only setback is that I would have to move back to this city and work for a minimum of one year here if I don't want to be in debt. -grumble-
Scholarships and my parents. It's about half and half.
My parents are dead-set determined on putting both of their children through college and grad school and have the money to do so, so... yeah. I'm no help.
Quote La Roux:
I'm no help to this conversation either because I'm in Australia and we have HELP DEBT. Which is where the gov pays for the course, but I still need to pay for books/other fees. I then pay the gov back (no interest) when I'm earning over 48k/pa.
That said, I paid my first degree upfront, so only need to put 1/3 of this 2nd degree on HELP DEBT.
Honestly, go talk to a bank and a university about what they have available. Different levels of help are available in different countries (Hell, even different states or cities). Your best bet is honestly to go talk to someone at the school you're thinking of going to.
Meaning Loans. I get financial aid. Right now I'm already owing 14k? Yup that's sounds about right. *Sigh* And that's for a community college. >.< And only two sesmeters. Including books.
My parents made a savings bond when I was little so all the work I got paid for by them was put into that for college, I managed to buy a truck for 3K, 10K for a year of college and I now have 12K left for another year
I sold my soul to the devil in exchange for him paying my tuition and textbooks.
No but really, I've just been working my butt off since I was 17 to pay for it. No loans, no nothing.
"Yn'gnl sh'g: D'phnegul k'tha dugh, ughl'nigu'ra ulfn'ahk y'ngwu Maghoor-N'kyah? F'nakhr ugh'r'yheh liung'ngu a'Phtak'lu, hfir'knia y'nu h'lyeahugha Oprah rg'ynh." - Cthulhu
My parents and grandparents set up education IRA's for me the year I was born. One was an investment IRA which my grandparents put $5000 in when they passed away. It did pretty well until the economy crashed the year I started college. It ended with about as much as had initially been invested. That payed for my first quarter.
The second IRA my parents set up and have been adding to every year since I was born. It gained interest at a constant rate for 20 years as long as I didn't use any of the money until I turned 18 or started college. In addition 1/3 of my $3 weekly allowance went into that. I also put all the additional money I made washing cars and mowing laws into it and later my pay check from my summer jobs until I started college (last two years of paychecks have gone into a retirement fund I set up). That will pay for 4 years at my University and maybe my first year of grad school.
But seeing as going to university is -way- cheaper in Switzerland, it's not exactly the same situation (at least, I assume it's cheaper... if Canada is anything like the US with this...)
Tuition fees are 700 CHF (Swiss Francs) per semester and I'm at the -best- university in Switzerland.
My brother's planning to go to the MI next year, though, so we're trying to figure out the best way to pay for everything.
If I could get a job, that probably would help.
Realized this sounds like bragging.
What I wanted to say is that the university I go to is one of the most renowned in Switzerland, but seeing as all universities are public, with no entrance exams or high fees, it's pure choice where you go to^^
When you can't sleep, well, you can't dream, when you can't dream, well, what's life mean?My PIFF I wish that I could fly, way up in the sky, like a bird so high, oh, I might just try
I didn't plan to go to college. It's really tough. I had no plans, I hadn't applied for scholarships and I hadn't had a job but my parents yelled at me until I agreed to go.
So, yeah, I took out a loan and I managed to get a government grant and I paid for a lot of the stuff myself with money I saved up doing odd jobs and such. I'm really thankful for the grants and such, but I still have this loan to pay off now and my parents are refusing to help even though they forced me to go xD;
I got a scholarship and don't have to pay.
Only art institute in Canada? Which one is that? I can think of a several..
Alberta College of Art+Design
Art Institute of Vancouver
Ontario College of Art+Design
And those are really just a few, but they're all art institutes.
In any case, I went to the Alberta College of Art+Design, and I paid for my education using student loans. Besides that, my parents lent me money to pay for supplies.
That's what I was thinking There are lots of art institutes.... And they're all real schools which means you can get OSAP (if you're in ON) or whatever your province's student aid program is. You'll get more or less, essentially depending on your parents' income. Most people don't have a college fund, you know. You're in no crappier a situation than anyone else.
So you'll get through it the same way every student in Canada who isn't privileged to have a college fund has to, and has had to in the past, and will continue to have to until education becomes more accessible. You'll apply for everything you can and work a crappy minimum wage job and eat ramen for a few years.
At this point, there's not a lot you can do about it, so you should just worry about being able to qualify. Work on researching the requirements for the program you want and fill them. The rest will follow. I know when I applied to uni I got to file 3 applications for a flat fee, and there was a fee for everything else after that. But it wasn't high and it probably still isn't.
I got some scholarships and I get in-state tuition to an out of state school thanks to the Academic Common Market. I didn't get a whole lot of scholarship to my school (5k, compared to 15k at Auburn, 12k at Becker, a full ride at ULL...), but with the common market it evens out, and its my dream school.
I'm in the same boat as Suki. My mom makes squat (seriously, I make about as much as she does, and I get paid cash for taking care of horses >.>) but my dad makes good money. So we're expected to pay a lot. With my brother also going to college soon...blegh. So I'll probably have to take out some loans, maybe a little help from parents. I think I have less than 10k to pay for, between the Common Market and scholarship. FAFSA will only supply about 5.5k in loans for me, so I'll have to do somethin else >.>
This is actually driving me crazy... What art school do you think is the sole one of its kind in the country? I can only find one postsecondary program that exists at only one institution, and that's a BA in Portuguese Studies at York.
I was on financial aid for a while, but due to a drop in grades I'm now paying by saving up money and getting a bit from my family.
Hopefully I'll be back on financial aid by next spring.
Stafford loans are a good option if you have no other choice. Most colleges offer enough aid and grants that you can actually make money as well as pay though (assuming your grades/portfolio are good enough and you apply for them all).
Tronline search engines. I must have applied to dozens of scholarships. Haven'y gotten any yet, but the only results I've gotten were for major scholarships, like the Coca-Cola, which I didn't think I'd get anyway
My grandmother saved up a college fund for me, otherwise my parents paid.
My boyfriend took out loans for all four years of his college, with no scholarships. That seems awful to me. I apply for scholarships, and my parents help out. I will probably have almost 15k in loans though by the end of it.