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Educate me on Education loans ( sending yo kid to college )
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<blockquote data-quote="BIG_Country" data-source="post: 714016" data-attributes="member: 1450"><p>Yep, this is the new face of TN...just give the kiddos free college. So if you gonna go, you'd be stupid not to take the first two years for free. Then go to a 4 year college and be out in two years. BUT you got to take at least 15 hours a semester to get out in said 4 year collage. I did not figure this out until my 4th year and realized that I still had 1 more year to go.</p><p></p><p>But as far as loans, try to stay away from them if you can. As soon as your done with collage, you'll start getting bills for the loan. Plus if you don't stay on top of the payments they'll eat you up. My wife just paid hers off and it only took her 4.5 years to do it but 3.5 of those years she work two jobs and between 60 to 70 hours a week just to pay it off early. If she'd had kept making the small payments that she was before we meet, she'd probably still have another 5 or 10 years worth of payments. Myself I just worked my way through it. </p><p></p><p>**************************</p><p>I guess the main thing is to look at collage like a investment, and you are wanting a good return on your money. So if you go to a collage that cost like $60K a year for 4 years... you've spent $240K and you get like a education degree and a job making $25K.... Your in a hell of a hole ...</p><p>But if you could get the same education degree at a different college that cost like $10K a year and go for 4 years... it just $40K...And you have the same degree that is going to get you that same $25K job, your be able to pay a loan back easier and fast.</p><p>**************************</p><p></p><p>So in the end if you price school you can go cheaper but still have a good job education, and might not have to get a loan or you might just need a smaller loan.</p></blockquote><p></p>
[QUOTE="BIG_Country, post: 714016, member: 1450"] Yep, this is the new face of TN...just give the kiddos free college. So if you gonna go, you’d be stupid not to take the first two years for free. Then go to a 4 year college and be out in two years. BUT you got to take at least 15 hours a semester to get out in said 4 year collage. I did not figure this out until my 4th year and realized that I still had 1 more year to go. But as far as loans, try to stay away from them if you can. As soon as your done with collage, you’ll start getting bills for the loan. Plus if you don’t stay on top of the payments they’ll eat you up. My wife just paid hers off and it only took her 4.5 years to do it but 3.5 of those years she work two jobs and between 60 to 70 hours a week just to pay it off early. If she’d had kept making the small payments that she was before we meet, she’d probably still have another 5 or 10 years worth of payments. Myself I just worked my way through it. ************************** I guess the main thing is to look at collage like a investment, and you are wanting a good return on your money. So if you go to a collage that cost like $60K a year for 4 years... you’ve spent $240K and you get like a education degree and a job making $25K.... Your in a hell of a hole ... But if you could get the same education degree at a different college that cost like $10K a year and go for 4 years... it just $40K...And you have the same degree that is going to get you that same $25K job, your be able to pay a loan back easier and fast. ************************** So in the end if you price school you can go cheaper but still have a good job education, and might not have to get a loan or you might just need a smaller loan. [/QUOTE]
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