I’m going to school in the Clinton Hill area of Brooklyn which is pretty expensive. I saw something online where you can rent a room and you have roommates. There’s one that’s walking distance from my school so I was thinking about doing that. It’s $700 a month they also have another apartment that’s bigger for 1,000 a month. Utilities included. Regular apartments (no tomo mates) are 2-3k and housing though the school is about $16,000 a year.
I have around $4,000 in Stafford loans. I didn’t qualify for work study. My mom is planning on doing a parent plus loan to cover the rest of my tuition. Also I’m a incoming Freshmen.
This school does not sound affordable for you. Ypu already are taking out loans for most of your costs. And now you want to take out additional loans for housing?
How much in loans altogether?
It’s the most affordable out of all the schools I was accepted to besides CUNYs. Also it’s the best school for my major and my parents want me to go.
Correction I was given $5,500 in Stafford loans. I just checked the letter. I believe my mom was planning on taking out $7,000 I addition to this with the parent plus loan. So $12,500 in total.Only $5,500 would be in my name though.
Will that amount be sufficient for you to pay all of your tuition, fees, books, room, board, utilities, and transportation?
Even so…Is this school too far from home for you to commute?
You will have at least $50,000 in loans when you are done…at least, because costs will go up…all of the costs. And there is also interest on those loans.
Is your mom able to contribute to your college education at all…besides taking out loans?
What is this special major?
I think those loans will only be enough to cover tuition, fees, books, and transportation.
Realistically the commute would be hell but doable. However I do feel strongly about moving out this year. If everything goes according to plan then I’ll be working by my sophomore year if not sooner. I just need to finance this upcoming year to start myself off.
She will be helping but my parents are currently going through a separation. So her intended contribution will probably be significantly less. Thus the loans.
Child Study. It’s the only school that offers it. Also the school came highly recommended from a number of principles and administrators.
I know it has to be doable. People do it all the time lol. I just need to know where to look. Do schools offer discounts for apartments? Who should I talk to?
Ok…so if the $12,000 in loans is only going to pay for tuition, fees, books, transportation…how do you plan to pay for your living expenses?
I don’t know… That was my question lol.
My opinion…this is not affordable. You would need at least $10,000 more per year.
The people who do it all the time have jobs that can pay rents off-campus, parents who can pay for those places, excess financial aid that they can get in a refund to pay for that, or else borrow money to do so. If you can’t do any of those things, then you can’t live in an apartment. Schools can’t work out discounts for apartments unless they own the apartment.
As far as who can talk to, you can always make an appointment with your school’s financial aid office but realistically all they can do is suggest some loans that your family can take out.
Are you kidding me??
I find it hard to believe that a principal or an administrator worth their salt told you to go to St. Joseph’s over one of the 4 year CUNY schools.
You need to take your happy self over to Hunter or Queens college where you can get a better education for a fraction of the cost. I would not be taking or advising you to take loans to attend St. Joseph’s where, Hunter,Queens, Bklyn, Baruch, CIty are all better options and more affordable.
Your major in child study is going to train you to be a pre-school teacher, which you can do at CUNY for a fraction of the cost. If you should become a teacher or anything else working with children, you will have to go to grad school (which will be loans). To become an administrator for the NYC DOE, you must now have 7-10 years teaching/PPS experience in addition to receiving your certificate in educational leadership. Save your money, go with the affordable options. There are very few in college options in NYC that I would recommend for a student, who is a NYC resident to attend over CUNY.
Even if you did not get into them on this round, my recommendation would be to attend one of the CUNY CC’s through ASAP, which as long as you are receiving some kind of TAP/PELL they would cover your tuition, fees, books and a metro card (you can do your first 2 years for free). If you don’t want to complete the AA, complete 30 credits with at least a 3.2 and then transfer to the 4 year CUNY of your choice.
Are you talking about the Child Study program at [St. Joseph’s](http://www.sjcny.edu/brooklyn/academics/undergraduate/majors/child-study)? It’s an early education/teaching program isn’t it? [url=<a href=“http://www.ccny.cuny.edu/earlychildhooded/%5DCUNY%5B/url”>http://www.ccny.cuny.edu/earlychildhooded/]CUNY[/url] doesn’t have anything like that available?
I think $80k worth of loans is too much for an undergrad degree. If you can attend one of the CUNYs, I’d try to do that. Do you have to go on for a master’s degree or will you be able to work with a bachelor’s degree?
Totally agree. Child study is early childhood education. Your debt will need to be bare bones. BARE bones…because your income will be quite low.
Now that the city has universal Pre-K and they are adding more seats, if OP is certified to teach preschool after graduation, s/he will be able to do so. Early childhood ed major is at Bklyn, Queens, Hunter, CIty and Lehman. Op could also start the major at BMCC, Hostos and Kingsborough
http://www.cuny.edu/academics/programs.html
Type in early childhood education
I’ve honestly heard nothing but good things. Not only did they recommend it but some of them send their own children there. I was accepted to Megar Evers, BMCC and CSI.
I was thinking about doing that. It would save a lot of money… but I feel like people have some weird thing towards private institutions as opposed to CUNYs especially CCs and wouldn’t want that to hurt me later on. Also Child Study allows you to graduate pre-certified in 4 areas as opposed to the usual one or two at most you get in other schools. It’s really the only pro to the program.
I was accepted to Pace as well and a couple other private schools in LI with scholarships but that’s even more expensive.
If I were to do the 2 years at a CUNY CC and transfer to a 4 year would it look bad?
I think as long as you have the NYS certification, @Daniiiiixo, what school you graduated from doesn’t matter. If you want to be a teacher, I’d graduate with as little debt as possible. I started at a NYS cc and transferred to a 4-year school. Nobody knows or cares that I attended a cc. It’s the last degree that counts. Do you have to get a master’s to teach in NYS?
Yes. To my understanding you have to obtain a masters degree within 5 years of completing your undergrad.
But you can get that masters degree while you are working. Many employed teachers get their masters degrees by attending college evenings, weekends, and/or summers.
Yes, you must complete your masters with in 5 years to keep get your permanent certification (you must also have 3 years of work experience). Most grad programs in education take place after the end of the school day so most teachers work then go to grad school. If you are working for the NYC DOE, you will most likely take the 30 credits above your masters to get the salary bump (*you can always take the additional courses you want then, but it won’t matter when it comes to getting a job).
If your are not Pell eligible and are receiving at least $5 in TAP, if would be most cost effective to do the ASAP Program at BMCC (to go free) get your 3.0 gpa after 30 credits if you don’t want to stay for the associates and then transfer to Hunter, Queens, Bklyn or City (there is no asap at CSI). If you stay for the associates, you can transfer the entire degree and then apply to a 4 year.
Do you still get money for books, transportation, etc when you do ASAP?
IF you are approved for ASAP at a participating CUNY CC (they have it at BMCC) it covers tuition, a book voucher for your books and a metrocards for transportation