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re: The wife and I made a difficult decision this weekend

Posted on 8/14/18 at 2:15 pm to
Posted by Anfield Road
Home of the Blue Turf
Member since May 2012
1948 posts
Posted on 8/14/18 at 2:15 pm to
quote:

Then don't get a degree if your aren't willing to take out loans and don't have the cash. What exactly are you after here?


People in this thread are saying that you can fully pay your way through college when in reality you're borrowing your way (at least partially) through college.
Posted by Mingo Was His NameO
Brooklyn
Member since Mar 2016
37154 posts
Posted on 8/14/18 at 2:15 pm to
quote:

What exactly are you after here?


He's just trying to fidure out if it's possible to attend college financially independent and not have to get student loans. I contend that it is not.
Posted by NfamousPanda
Central
Member since Jan 2016
1138 posts
Posted on 8/14/18 at 2:17 pm to
I attended college financially independent within the past decade. Parents never paid a dime. Went to school taking 21 hours a semester and going 2 or 3 days a week depending on the schedule. Worked the other 3-4 days a week.
This post was edited on 8/14/18 at 2:19 pm
Posted by LNCHBOX
70448
Member since Jun 2009
88718 posts
Posted on 8/14/18 at 2:17 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.

I'll concede your point on roommates.


So basically you want to know under what scenario can someone in 2018 pay for college with no financial aid or scholarships, no parental support (either monetary or living expenses in anyway), no willingness to take on debt... did I miss any?

I feel like any answer given will just be met by another constraint from you, so let's just skip ahead and say it's not possible to pay your way through college.
Posted by Anfield Road
Home of the Blue Turf
Member since May 2012
1948 posts
Posted on 8/14/18 at 2:19 pm to
quote:

So basically you want to know under what scenario can someone in 2018 pay for college with no financial aid or scholarships, no parental support (either monetary or living expenses in anyway), no willingness to take on debt... did I miss any?


Precisely. Is it true or not that at some point in the past (distant or otherwise) that this was possible?
Posted by Mingo Was His NameO
Brooklyn
Member since Mar 2016
37154 posts
Posted on 8/14/18 at 2:19 pm to
quote:

I attended college financially independent within the past decade. Parents never paid a dime.



Straight out of high school with no loans?
Posted by LNCHBOX
70448
Member since Jun 2009
88718 posts
Posted on 8/14/18 at 2:20 pm to
quote:

People in this thread are saying that you can fully pay your way through college when in reality you're borrowing your way (at least partially) through college.



But you can. I literally just told you how my wife did for her second degree. While not my child, she did take advantage of living expenses provided by me, went to a cheaper small school that was local, and worked while she was in school to pay her tuition and fees each semester. She stopped working her last semester and I took on some side work to cover her then, but that is essentially a wash. Man of her fellow students did similar.
Posted by LNCHBOX
70448
Member since Jun 2009
88718 posts
Posted on 8/14/18 at 2:21 pm to
quote:

Precisely. Is it true or not that at some point in the past (distant or otherwise) that this was possible?



I say it's still possible today.

You would need roommates and live a very frugal lifestyle. But I know you can find people working their way through school in just about any restaurant's waitstaff.
This post was edited on 8/14/18 at 2:22 pm
Posted by Displaced
Member since Dec 2011
32990 posts
Posted on 8/14/18 at 2:21 pm to
TN offers 2 years for CC free for every HS graduate

Start there...
Posted by NfamousPanda
Central
Member since Jan 2016
1138 posts
Posted on 8/14/18 at 2:21 pm to
quote:

Straight out of high school with no loans?


Yep. Straight out of high school. No loans. Not a lick of debt when I graduated. Southeastern offers a fantastic scholarship for incoming freshman. Couple that with TOPS, and school is practically paid for.

I went to school 2-3 days a week while taking 21 hours a semester and worked the other 3-4 days.
This post was edited on 8/14/18 at 2:22 pm
Posted by here4thepopcorn
Houston
Member since Aug 2018
209 posts
Posted on 8/14/18 at 2:23 pm to
So, technically I'm sure you could. It would take forever (years and years) and you might only get to do 3 hours at a time, but you could make it happen while working.

Posted by Displaced
Member since Dec 2011
32990 posts
Posted on 8/14/18 at 2:24 pm to
quote:

People in this thread are saying that you can fully pay your way through college when in reality you're borrowing your way (at least partially) through college

Now explain why that is a bad thing. Let's assume you are at a reasonably priced school pursuing a proper degree.
Posted by LNCHBOX
70448
Member since Jun 2009
88718 posts
Posted on 8/14/18 at 2:24 pm to
quote:

So, technically I'm sure you could. It would take forever (years and years) and you might only get to do 3 hours at a time, but you could make it happen while working.





Who said that?
Posted by dfintlyHmmrd
Jigga City
Member since Dec 2016
1408 posts
Posted on 8/14/18 at 2:25 pm to
That is not nearly the same as someone coming straight out of high school and doing it on their own. She had a second wage earner to support her, she had experience in the workforce, and a college degree so Im sure she earned more than a recent high school grad. And what was the "cheaper smaller school", some people are much more fortunate to live within commuting distance of decent school. Not everyone has that luxury.
This post was edited on 8/14/18 at 2:27 pm
Posted by here4thepopcorn
Houston
Member since Aug 2018
209 posts
Posted on 8/14/18 at 2:26 pm to
Could she have done it without you though? Paying rent, car, insurance, etc?

I'm sure she could have, except it would have taken her ages.
Posted by Anfield Road
Home of the Blue Turf
Member since May 2012
1948 posts
Posted on 8/14/18 at 2:27 pm to
quote:

TN offers 2 years for CC free for every HS graduate

Start there...



Good starting point though that may not be easily replicated across every state. Mississippi might be doable as it has a pretty good network of community colleges that are cheap and have the ability to transfer credits to 4 year colleges. Are CCs widely available throughout the nation. I know NC also has a decent selection of CCs.
Posted by LNCHBOX
70448
Member since Jun 2009
88718 posts
Posted on 8/14/18 at 2:28 pm to
quote:

That is not nearly the same as someone coming straight out of high school and doing it on their own.


Again, roommates and a frugal lifestyle.
quote:

she had experience in the workforce, and a college degree so Im sure she earned more than a recent high school grad.


Nope. $10-$12 for student type work related to her eventual new filed. The kind of work any college student can get.
quote:

And what was the "cheaper smaller school", some people are much more fortunate to live within commuting distance of decent school. Not everyone has that luxury.


Delgado. And no one said it was going to be prestigious.
Posted by Displaced
Member since Dec 2011
32990 posts
Posted on 8/14/18 at 2:28 pm to
Sure, Lnchs case isn't an apples to apples comparison, but what point are you trying to make?
Posted by LNCHBOX
70448
Member since Jun 2009
88718 posts
Posted on 8/14/18 at 2:29 pm to
quote:

Could she have done it without you though? Paying rent, car, insurance, etc?



Yes. She wouldn't have had nearly as nice stuff as she did. But she could have.

quote:

I'm sure she could have, except it would have taken her ages.



Yall are just never going to accept that people can work and pay for school on their own.
Posted by LNCHBOX
70448
Member since Jun 2009
88718 posts
Posted on 8/14/18 at 2:30 pm to
quote:

Sure, Lnchs case isn't an apples to apples comparison, but what point are you trying to make?




It's like I said, it's easier to just skip to the part where it's "impossible" to work your way through school with no debt.

But at that point, take out a loan. Or don't and make less money your whole life.
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