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Affording School
Hey everyone.
I know I post a lot of things asking for advice about education and schooling, and here is another thing I'm wanting to ask you guys. How did you afford school and/or university? I don't have a job and I'm currently finding it extremely hard to get them. I've looked at over 50 stores and handed my CV in at the very minimum 20, and still haven't been able to get a job. From this I got one interview but got rejected because the job required me to be 18, and I wasn't at the time. In the current climate is it because so many people are out of work that they'd rather employ someone who is more flexible than a student and are able to work full time? Or am I just trying to find excuses because I can't get a job? My Art teacher keeps telling me to do big mural paintings to get more marks, but I literally cannot afford the paint. I told her this and she really wasn't very encouraging at all. In fact she made me feel quite ashamed and I wish I hadn't have told her. Now I'm completely stressed about how I'm going to pay for university. I have some money that I was saving up to invest in my future, but it's not a patch on the Uni fees. Sorry, this is long as always. Basically I just want to know some budgeting tips, for when I do manage to get a job. I will be living at home so this will cut out a lot of the cost. |
maybe U should start a revolution against regime that doesn't give its people a chance for free of charge education...
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The military gave me access to over $55,000 strictly for college :o
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You could always take a break from classes and try to save up some dough for the next semester, maybe look for financial aid or scholarships during that time. Or just bite the bullet and let the loans pile up |
Well currently Im in my first year of college. And I have financial aid to help me. So far it has payed for my tuition. As an art student, expenses are quite high. I got alot of my supplies from what I had left of my grant. But I also have to pull whats out of my pocket. In the first semester I used graduation money that was saved. I finally was able to get my first part time job. It took me forever to get. Its so hard to get a job now days. So many people are losing jobs and or looking for them but having no luck getting them. I always wondered why I never got a call back. It made me furious. I was so hungry for work. And I was old enough for many jobs. I wanted to work at this gas station by my house, but they wouldnt let me because I was 19. My mom and I go to this place alot, but they discriminate against younger people because they had people steal in the past. I mean it fealt like I wasnt able to be given a chance. But I finally got a job so its ok now. But everybody deserves a chance, seriously. I mean alot of college students need that part time job to pay for their expenses. Jobs should be somewhat flexible with that. As for your situation its sort of similiar. I say its best to stay home to cut off alot of those expenses. Im happy to have a mom to help me get on my feet and stay home. Because I know alot of parents are like " Your 18 time to get out." And they have to struggle. It says your from England? Do they have financial aid there? There is still alot I dont know,especially about college, so I hope my question doesnt sound stupid. But you might have to keep trying to get a job. Keep being persistent. Even walk into the store and talk to the manager face to face and bug them. Show them that your dedicated to get that job! As for budgeting, saving up, and not buying unessacary items is a good way. Buy the supplies of what you need for school and pay for tuition. If thats possible I dont know. In any case, that really wasnt kind of your teacher to make you feel that way. Art supplies are waaaaaay expensive. I wish I could paint! But still, you just got to keep fighting for what you want. It may take a long time, but keep your goal in focus. Positive thinking positive thinking ^_^ The hard work will pay off.
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a student loan is the easiest money you will ever come into and its well cheaper than the national lotto!
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Education and such (with some few exceptions) is all paid for by the government in my country. ^^ So yeah.
But many companies have become more picky on who they hire. They'd prefer someone educated with good skills - to one un-educated with killer skills. |
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Basically we do have grants and financial aid but I'm not entitled to anything. It's based on your parents income, if they earn over a certain amount of money it means that you can't have much aid. I don't know if I'll be entitled to any or not, but if I am it will be the bare minimum. [The whole system pisses me off, I'm penalised for my parents working hard when it's got nothing to do with me at all, but still at least I have a good home etc.] The only way will probably to launch myself into a loan but it seems so daunting that I'll be in excess of £10,000 debt, and that doesn't include all the software and computery crap they encourage you to buy [I'm doing Game Design/Computer Animation.] Quote:
Like I said, I'm not entitled to any financial aid... scholarships are extremely difficult to come by. I will look into that though. I want to look into all my options in the best way possible. |
Yeah Im a bit nervous what happens when I transfer out of this college. It feels like people try to scare me about the college I want to go to. That its really top and costs alot. I want to go for animation. The college is a design school and requires you to have a laptop and stuff. But I just keep telling myself it will work out in the end and I will find a way. I hate how it always comes down to the money. >o< I thought college was free in your country? Or is that only certain parts? In any case, thats how it works here. Some loans and grants are better than none. I would take what you can get just to get started. Dont they offer jobs at the college?
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Thief, thanks, but you're not helping. When you're young it sounds ideal to just riot and make everything change. Fact is, we're adults trying to make ends meet. |
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In England it goes: Nursery > Primary School > High School > College or 6th Form > University. Exams go like this: Primary School [SATs Exams] > High School [SATs and GCSEs.] > To get to 6th Form or College you need good GCSEs > 6th Form/College [A Levels or BTEC] > To get into Uni you need good A Levels/BTEC and a bunch of other stuff > University. [Degree.] Kind of confusing I know. Quote:
I'm getting paid for some odd graphic design jobs, but they aren't that frequent. |
Oh~ Can you not transfer to a university? That is alot of stuff 0.o Oh my!
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You could try to find a course taught in English (Unless you know another language) in a European country. That's what I've done. lol. No 3k tuition fee for me. It's only 300 odd euro's. And living expenses are much cheaper than in UK.
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Yeah I dont know if that works here. 0.o It probably is different I just dont know about that stuff. I know what I need to do. But damn. 0.o
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Also, even though my current uni hasn't got the reputation of any of the uni's I got into, in England, it's course is far more varied. I'm currently doing Math and Physics with modules in Computer Science and French. Varied is good for me because I'm not so certain on what I want! |
Things in my country have a very different situation so I can't give a proper advice. I think trying to get a job would be a good idea, also taking a gap year of course.
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Cut this nonsense young fellows. This is my thread and I have power here :D Haha.
Anyway thanks to everyone who has given me advice so far :D |
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Disregard the troll - the government conspiracy crap is a bunch of nonsense perpetuated by 14 year olds with no knowledge of civics who believe everything they read on the internet. And even if black helicopters and the Illuminati and shadow governments were real, it has nothing to do with art school. Thief, when you move out of your parents' house you'll realize that revolution isn't going to put food on the table. It generally involves being gunned down by people more powerful and smart than you. As it stands, you're helping ruin a perfectly good thread with your trite Socialist foolishness. |
I took the liberty of cleaning up the thread a little. Let's stay on topic, and Thief, if you have nothing positive to contribute please keep quiet.
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Time's are hard people are In the same situation as you Im afriad alot of people will be hiring more flexible people. Go with the student loan I think thats the best option.. o.=.o Cant you go to Connexion's for financial advice? you can borrow some of my paint In the mean time If you like. Take care ^.=.^
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Please don't come back until you drop the socialist rhetoric. |
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when I grow up I'll marry MissMisa and work so hard to get her enough money so she can afford anything she wants:) |
Student loan. no really it is the best thing you can do for yourself.
you said you're not entitled to financial aid? do you think this is because your parents (may) earn alot? you can a get a "non-means tested" loan which basically gives you the full amount without taking your parents' earnings into account, its a good way. also, if your parents aren't actually earning that much you can get a £1000 grant (non repayable) to aid. again if you are staying in London to study your loan amount will also be higher :) as for repaying the loan; don't ever panic about that... put it this way; i've started "re-payments on mine..." or i would do, but this is the thing; it is paid back directly out of whatever pay you earn, like PAYE tax, and on top of that, if you're not earning over a certain amount/ year you dont even start to pay. for example: i am working 20 hours a week at £6.50/hour, not the greatist money i'll grant you, but it pays my rent, food bills and still leaves me with money to play with. My Partner (BF) works 40 hours a week at just over Nat. Min wage; he gets paid just under a grand a month (after tax :( ) Neither of us earn enough to start repayments. last i heard you need to be earning over 16k/year to even START repaying, and even then i's means tested, so you wouldn't lose more that a few pounds a week, its less than tax and Nat Insurance.... (and I'm STILL waiting for my £900 rebate from last year >.> ) not only all this, but if you still havn't paid back your loan by the time you hit 35 /40 (that kinda time) it gets written off. seriously. the student loan really is the best loan you will EVER get; its a low interest, gets taken minimally and doesn't affect your credit rating... And on top of the loan, do you know about student accounts at banks? you can start one while you're still in college, with a £1000 non chargeable overdraft, and that increases every year you're in Uni... yea, i know, Debt = Bad, but this is useful; for a student, being in debt is beyond the norm, and the only time you get in trouble is if you go overdrawn on your overdraft (yes, people do it...) after you finish uni, the over draft will slowly shrink, so you need to keep up on it, but that happens over about 5 years, so it's manageable :) have a shop around with banks, and see if you can talk to a financial advisor, it think you need to now... (and yes, the job situation sucks, it's why i'm holding on to mine with my teeth... the other girls i work with have all had their hours cut to practically 0; i got smart and got me a min. hour contract last year...) but don't forget; alot of bars around your chosen Uni will be hiring temps in and so on, so get applications in there, as soon as freshers' is over ;) can i ask, where are you planning to go? :) Wow... i ranted :eek: Mod mode: Theif, Keaton. Pack it in both of you, or you'll both have an Infraction. |
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Also, you SHOULD be eligible for a student loan (Or perhaps a grant?), and then pay it back after you get a good income after college. Also Thief: Dude, that's creepy. |
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Also, what they don't take into account is how many brothers/sisters you have. I have 2 brothers. Maybe my parents could afford to pay for me, but a) I'm not going to take any money off them because it's not mine, and b) if they have to pay for me they have to pay for my brothers too. That's why I want a job. I want to pay at least some rent and for my own food. So in the end I'm not entitled to anything... and I don't get money off my parents either. I'm not poor enough to receive benefits and they aren't rich enough to pay for me... Looks like I get the bad end of the stick financially. Though of course that is not to say I don't appreciate my home life at all. Quote:
I'm going to Bradford, since it's the closest and it's pretty decent. |
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Aye, I truly understand you there. I wasn't having a go at you or anything like that. It's the flaw in the system sadly. But again, the loan is your best bet. Just to clarify though, we are all in lots of shit these days. Here's my predicament. I'm going to join a Film School, and my course costs 17,5k per year, and it's a two year course. To add onto that, the camera itself I need, costs around 2k, and the programme (Downloadable, but no guarantee) that I need for editing, is around 600 pounds. My parents, together, earn less than 15k a year. So you're not the only one in a tight squeeze :) |
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Id say sign up for loans and grants, my parents dont make a great deal of money and neighter do I, but Im gonna have to make that work somehow and and Art school is hella expensive, so I will be paying those loans back forever but it will be worth it, once i have a career. ^_^ I still have to move and everything to start school forget to mention that, so I still have those other fee's.
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and its not benefits like state benefits; its a loan... leaving home to scam benefits would only result in her have even less money :p Quote:
but the course should be able to provide some of the equipment.. most proper courses (at art & design Universities at least) have stuff students can use, on a loan like the libraries... that and the computers (/macs) at the course should surely have said programme on them for you to use there? you'd still need to buy it after the course, but it gives you more time to save up for it... also look into "Student" licensing on some software; Adobe does it, i got CS2 for £300 (normal rrp; £500/£600) if your course can't provide any of that for you then look elsewhere, other ones might be able to |
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Seems we are both in trouble. I also need to fork out for the computer, the software, A LOT of software [Maya, Zbrush, 3DSMax etc.] I'm using student learning editions but I can't have the Maya logo slapped all over my final project :/ I did a photography course, I can see where you were coming from, when he told me how much the camera I was holding cost I was mortified haha! My friends for some reason are not bothered about the whole money thing. Maybe I should just chill out but I want to be ready and clued up about the whole thing! |
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Aye, the course'll provide the equipment, like green screens, lighting, sound studios, the cameras and all that. But the problem is getting into the course first. Misa: Just relax abit darling. I'm sure asking your parents for ABIT of money is not that bad. Seeing as it's your parents duty to help you out. My personal view ofcourse, but as long as you help fork out for it. A loan is your best bet :) |
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