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Message
Looking for ways to pay for my last two graduate courses
Posted on 4/26/16 at 10:10 am
Posted on 4/26/16 at 10:10 am
I have two courses left until I graduate with my Masters, each course is about $1500. The last thing I want to do is come out of pocket to pay for them but I also want to avoid taking out a loan. I currently owe $14K in student loans. I'm looking for some advice on what someone on the money talk board might do?
My financial situation is good. Me and my wife make good money, over 6 figures combined, no kids. I would just rather not spend $3K during the summer.
My financial situation is good. Me and my wife make good money, over 6 figures combined, no kids. I would just rather not spend $3K during the summer.
This post was edited on 4/26/16 at 10:50 am
10
Posted on 4/26/16 at 10:14 am to 13SaintTiger
Can you pay for it with a credit card? If so you could apply for one with a 0% APR for 12 months and pay it off over the next year?
This post was edited on 4/26/16 at 10:15 am
Posted on 4/26/16 at 10:15 am to 13SaintTiger
Apply for a scholarship?
I'm not sure what alternative you're looking for if you don't want to pay out of pocket or take out a loan.
At a 6 figure salary either are easily mangeable for you unless you're just downright careless with your money
I'm not sure what alternative you're looking for if you don't want to pay out of pocket or take out a loan.
At a 6 figure salary either are easily mangeable for you unless you're just downright careless with your money
Posted on 4/26/16 at 10:16 am to Delacroix
quote:
Can you pay for it with a credit card? If so you could apply for one with a 0% APR for 12 months and pay it off over the next year?
Haven't thought about this. Thanks.
Posted on 4/26/16 at 10:18 am to 13SaintTiger
quote:
13SaintTiger
quote:
I have two courses left until I graduate with my Masters, each course is about $1500.
$3K in two 50% pops. Not too too hard to choke down depending on what you make and how much free time you have.
quote:
I currently owe $14K in student loans.
Which means adding to the loans would add 20% of the current principal balance. Not a terrible worst-case scenario. Let's use that as a Plan Z.
quote:
Me and my wife make good money, over 6 figures combined, no kids.
WTF?????????????????????????????????
You can't save $500/paycheck in a 100K+ combined annual income for the next 6 weeks to pay for the first one, and then do the same for the last one?
If that's the case, then you are in way, way, wayyyyy over your head with your bills and debts Brah.
Posted on 4/26/16 at 10:18 am to southernelite
quote:
At a 6 figure salary either are easily mangeable for you unless you're just downright careless with your money
I could manage paying for the courses....just looking for alternative options without coming out of pocket.
quote:
I'm not sure what alternative you're looking for
Me either, that's why I'm asking. Maybe there is something out there that I do not know about or haven't thought of.
Posted on 4/26/16 at 10:19 am to 13SaintTiger
quote:
My financial situation is good. Me and my wife make good money, over 6 figures combined, no kids. I would just rather not spend $3K during the summer.
If your financial situation is good, why are you online asking people how to pay for a $3K item? If you find it painful to pay all at once, most schools will charge a small fee to set up a payment plan & allow you to pay it in 3-4 increments.
Posted on 4/26/16 at 10:21 am to GFunk
quote:
You can't save $500/paycheck in a 100K+ combined annual income for the next 6 weeks to pay for the first one, and then do the same for the last one?
I could, which might be what I will do but I am just searching for other options.
quote:
If that's the case, then you are in way, way, wayyyyy over your head with your bills and debts Brah.
I'm not. The only real debt I have are my student loans and they are getting paid off by my job.I'm just frugal
Posted on 4/26/16 at 10:25 am to 13SaintTiger
quote:
13SaintTiger
quote:
The only real debt I have are my student loans and they are getting paid off by my job.I'm just frugal
Cash-flowing an entire semester in post-grad is being frugal bro. Wake up. If this is truly the case, you're going beyond the pale.
Posted on 4/26/16 at 10:28 am to GFunk
quote:
If this is truly the case, you're going beyond the pale.
Not sure what you mean?
Posted on 4/26/16 at 10:33 am to 13SaintTiger
Add the $3k to your student loans. It is a rounding error. This is a non-issue honestly.
Posted on 4/26/16 at 10:34 am to 13SaintTiger
quote:
each course is about $1500.
quote:
Me and my wife make good money
Posted on 4/26/16 at 10:37 am to dj30
this should be peanuts to them.Posted on 4/26/16 at 10:43 am to Fat Bastard
Unless he's got a $350k mortgage, a Benz for his wife, a decked out 3/4 ton truck, and eats at Galatories every night, that 3k should be easy to digest without a second thought about.
Especially considering the the 3k will add what, $20-30 a month the student, if that? Now yeah, if he extends that over 20 years, he will pay an extra 3-6 grand depending on his rate.
Especially considering the the 3k will add what, $20-30 a month the student, if that? Now yeah, if he extends that over 20 years, he will pay an extra 3-6 grand depending on his rate.
Posted on 4/26/16 at 10:49 am to 13SaintTiger
quote:
I could manage paying for the courses....just looking for alternative options without coming out of pocket.
You seem to think taking a loan/getting a credit card doesn't mean that the money is coming out of your pocket. Are you serious?
Posted on 4/26/16 at 10:53 am to southernelite
Dude is all over the place about money. Not long ago was talking about custom ordering a truck on the OT. Here is a thread on the money board from 2 months ago about freeing up 2300 a month and no mention of 14k in student loans.
LINK
Strange guy
LINK
Strange guy
Posted on 4/26/16 at 10:57 am to 13SaintTiger
Your three options:
1) Pay for it out of your available money.
2) Get a loan/charge it/payment plan.
3) Find a way to get an extra 3,000 dollars or the equivalent.
#1 and #2 are pretty cut and dried. #3 has a whole universe of options ranging from "Get a scholarship/grant/TA position" to "Moonlight as a gigolo for the money" and everything in between.
And who knows? You might find you enjoy being a gigolo and being an educated one has to be worth more per hour, right? Probably have to pay your dues for a year or so taking the working class granny jobs, though while you build your rep.
1) Pay for it out of your available money.
2) Get a loan/charge it/payment plan.
3) Find a way to get an extra 3,000 dollars or the equivalent.
#1 and #2 are pretty cut and dried. #3 has a whole universe of options ranging from "Get a scholarship/grant/TA position" to "Moonlight as a gigolo for the money" and everything in between.
And who knows? You might find you enjoy being a gigolo and being an educated one has to be worth more per hour, right? Probably have to pay your dues for a year or so taking the working class granny jobs, though while you build your rep.
Posted on 4/26/16 at 10:57 am to southernelite
quote:
Unless he's got a $350k mortgage, a Benz for his wife, a decked out 3/4 ton truck, and eats at Galatories every night, that 3k should be easy to digest without a second thought about.
I have and do none of that. I don't even have a credit card. quote:
Especially considering the the 3k will add what, $20-30 a month the student, if that?
I didn't think about it because my job pays for the loans I have now and all but these two courses. I was just trying to avoid a 6% interest on student loans. No big deal, it seems the best route is to take out the loan, I'll just pay it off within the month.
To the poster below you, I dont want to come out of pocket all at once durinng vacation plans. I budget my money accordingly and out of the money I pull in I only give myself $900 a month to spend, everything else is invested or saved for future plans so I really don't see it. I did not expect to come out of pocket at all for these courses and was surprised. It really isn't as a big a deal as many of you are making it out to be, I'm just looking for the best way to do this.
Posted on 4/26/16 at 10:59 am to HeadyMurphey
quote:
Here is a thread on the money board from 2 months ago about freeing up 2300 a month and no mention of 14k in student loans.
Yes, and that money is invested and saved accordingly now. No mention of the student loans because my job pays for them yearly.
Posted on 4/26/16 at 11:02 am to 13SaintTiger
quote:
I'm just looking for the best way to do this.
...is to pay for it out of pocket. If your summer vacay plans are crazy big, scale 'em back. Curtail your investing for a brief 2-3 months and PAY YOUR WAY. No, don't borrow it....pay your dang tuition. Eat beans for a couple months, skip the two weeks at the beach, and pay your tuition. Voila, no need to become a gigolo.
ETA: I hope you're not taking your last two MBA courses, or you've wasted your money all along, LOL.
This post was edited on 4/26/16 at 11:03 am
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