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sassyscrapperinid

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Posts posted by sassyscrapperinid

    Considering college for myself - can I do it and homeschool?

    in General Education Discussion Board

    Posted

    It's a bit confusing, I guess, because you're thinking "estimated family contribution is zero, that means I pay nothing no matter what." What it means is that you qualify for a certain amount of aid, including grants. Zero equals the government giving you $5500 towards your education. There are qualified expenses (books, tuition, etc).

     

    So if you go to the community college and it costs $580 per term plus $400 for books. So $980 per term, two terms is $1960 for the year. Taken from the $5500, you'll have an excess of $3540 to use towards other qualified expenses. You don't have any basic money out of pocket though.

     

    But if you go to WGU to become a teacher or as an IT major, for example, you'll have $2980 per term. There will be some books or tests occasionally out of pocket also (like the Praxis II test is not covered, but most liberal arts books and some teacher materials were included). Anyway, so $5500 from the $5960 in school fees comes out to $440. You would be responsible for that difference and those few other fees along the way.

     

    So if you go to a school whose tuition is $10,000 per year, you'd have $4500 (plus books, fees, etc) excess to come up with. Most people use loans for these expenses.

     

    My (step)brother and his wife are Dave Ramsey fans who would never take out a loan. It is taking my brother longer to get through school, but not much longer. And he'll graduate with no debt. But in order to do that, they had to raise the money upfront as they got limited grant money (his wife is a teacher, they have no children).

     

    Anyway, hope that helps a little. EFC of zero doesn't mean you will pay nothing (unless you go somewhere you can spend less than $5500).

     

    Thanks Pamela! Thats what I figured, but since it has been such a long time, I didnt know if things had changed from what I was reading here. :001_smile:

    Considering college for myself - can I do it and homeschool?

    in General Education Discussion Board

    Posted

    No. Graduate students don't get grants; but for those of us going back for bachelor's degrees, aid means grants first if we have a low EFC. Those are not paid back as long as you do the coursework for it (and even then, there is some leeway so a term or two isn't the end of the world).

     

    If you have an EFC of $0, then you are looking at $5550 in grant money. You'd only have loans for more than that. For example, my college is $2980 per term. So a person's out of pocket would be $440 if they had and EFC of $0. (note: even better, a term is 6 months and courses are self-paced so you could get away with a degree for less than $2000!).

     

    hey thanks for the info here. The last time I went to school, grants covered ALL of my tuition and books. It says our EFC is 0, so I dont understand what the $440 is for if we get $5500 in grants? thanks!

    Considering college for myself - can I do it and homeschool?

    in General Education Discussion Board

    Posted

    In person degrees are important in my profession.

     

    You do know that aid = student loans, right? It's not the "aid" I thought it was when I started. Don't get me wrong, I've gotten scholarships and such (academic, and there are fewer for grad school) but aid is lingo for student loans. IF your efc is $0, you'll qualifiy to the highest amount of subsidised loans which means the government "pays" the interest on a portion of the loans while you are in school.

     

    Yes, going back to school is doable.

     

    For me, personally, I could not have done it a moment earlier than I did. My kids were 10, 12 and 14 when I started. If they had been younger it would have been too much of a struggle.

    So, now a days a grant = a loan??? Thats confusing. I am going back to school myself this fall, as well as 2 of my teenagers, and it says our efc is $0 and that we qualify for $X in grants and $X in loans. We wont do loans. But, certainly its not the same thing. Thanks for the input.

    To the OP: I am glad you started this thread as I am taking 3 classes this fall, two of which are online. :001_smile:

    VBS and preaching salvation cc

    in General Education Discussion Board

    Posted

    This is the nature of faith. When belief is mistaken for fact or truth or knowledge, there is confusion. The idea that many responding posts thought it would be obvious to anyone sending their child to vbs to expect an experience like this shows how prevalent this kind of methodology is in American Christian culture. The idea that many responding were shocked on your behalf shows how prevalent the idea is that there is no excuse for this methodology. I can't imagine how anyone would honestly think this question was meant to deceive. If anything, it reveals the differences found in the same theological desire to convert the nonbeliever - there's a spiritual war that takes no prisoners v. the Holy Spirit works gently in its own way. Each person assumes their beliefs are relatively universal and ought to be understood and accepted by others as such. To suggest you "planted" this question for the purpose of deception is astonishingly ironic given the defense offered for deceiving children for the Kingdom of God.

     

    :iagree: Im not sure why someone would think that the OP did it intentionally or maliciously. But Im sure someone will correct me. LOL

    Bringing the skeleton out of the closet

    in General Education Discussion Board

    Posted

    :grouphug:

     

    I have no experience with this, but my gut feeling is to make sure the wife knows. She has to protect her own kids.

     

    I unfortunately have experience with this and the wife DEFINITELY needs to know so she can protect her child. And I would even venture to say that EVERYONE in your family with children needs to know so they can protect their children as well. Its hard when this happens but the cycle has to stop some where.

    Apparently my level of expectation is to high.

    in General Education Discussion Board

    Posted

    I always tell this story. I pulled my two oldest kids from public school. The FIRST day of homeschooling, I asked my son to do one task on his own. He threw his pencil on the floor, threw himself on the floor and against the wall, got up, ran THROUGH the house into his bedroom, slammed the door and screamed.

     

    :eek: I was like, "What the heck?????"

     

    They get used to homeschooling. Seriously. He hasn't done anything like that since that summer and this is our third year homeschooling. My kids are working on stuff independently this afternoon and I hear no complaints.

     

    They get really used to it. When you homeschool, they can't blend into the woodwork while 25 other kids answer the question. It's all on them to perform and it takes a while for them to transition to that.

     

    I am not very familiar with your story, but I wanted to ask if dd has had time to de-school?? I think that she may just need a little time to transition. Maybe you could start with some more interest led learning that is fun and not so much table work? Maybe spend the summer just doing an awesome nature study? Just a thought.....:001_smile:

    Speaking of camping....

    in General Education Discussion Board

    Posted

    I started taking my girls for an all girl campout a couple years ago. We didnt get to go last year cuz we were traveling last summer as a family. This year, I want to take the girls again and I want it to be SUPER fun. We will probably only do 3 or 4 days this year. What kinds of crafts would be fun for a 7 year old and a 16 1/2 year old?? Any other ideas that would span across age would be great. Thanks!

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