<p>I know. My state and yours does, I believe, but there are many niche postitions within a lot of nursing homes that put one in the zone without doing the jobs that are exclusive to those certified. My son’s SO did this for a while. No certifications at all, but she got plenty of experience and the rehab center did reimburse her for those courses taken towards any further education in that direction. She was a psych major in college and had to take specific science courses to be eligible to even be considered for a master’s program. She’s in one now–in your state, actually for OT, full time. She was with a very well regarded rehab center for a number of years. and paid reasonably well even with no certification other than a CSN that they all had to get to work with the patients there, many who were terribly disabled. </p>
<p>Yes, the PLUS will be deferred as long as OP in in a college progam full time. The problem is that the interest on these loans are juggernauts and keep chugging along getting bigger all of the time Doesn’t take long to double what’s owed if nothing is being paid. </p>
<p>Her parents can make things as clear as they want. No money, loans can’t be paid. On $60K, we are talking over $4K in interest alone each year. And OP has her own loans that SHE MUST repay as they will come after her if she is earning any money and not paying on them. Those are legally HER responsibilty, not her parent’s. The PLUS are legally her parents’ and not hers. </p>
<p>I have a close friend who is in so much trouble with loans. She and her DD took out what has now accumulated to $200K+ in face amounts. She can’t pay, neither can her DD. Neither make enough to pay even the interest and never did The government has finally basically extracted some nominal amount that isn’t even close to the interest and they are shut down for a lot of things as a result of all of this, but unless they strike it rich somewhere, they will die without having made a dent on those loans which get bigger every day. They get reviews that try to squeeze something out of their income, but you can’t squeeze anything out of stone. There are income guidelines on all of this that do allow people to keep certain base amounts and if you earn less than that, you don’t have to repay. You get monitored and have to pay when you go over. Miserable terrible way to live and it’s all on your credit history, but that is what they signed up for.</p>