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Should I take a risk to take a student loan?? Dear People Thank you for all your helpful advice that you put here. My question is about taking a student loan in this recession times. I am 35, I work as a teacher assistant and my monthly income is about 1300-1400. I only work 9.25 month though. Our yearly gross income with my husband is about 20,000-22000. I want to continue my education to obtain my ohio in Speech pathology (communicative disorders) I have a BA in English but I can't find a job with it and I really don't want to be a teacher. I have to have credentials for teaching for which I have to pay, but I really don't want to be one and that's why I am changing my career. Taking a student loan is risky , my husband is against it because of this economical situation. I know it won't get better at least for a long time but I still find it an investment. I can also apply to scholarships or other programs but no guarantee I will get them. Bottom line I need student loan to continue my education. Please advice me what should I do. Do you think it's worth to take the risk? ( I really don't want to see myself a teacher assistant for the rest of my career life).
Let me start by saying that no matter what anyone else thinks, you and your husband need to be in agreement on what you decide. don't do something independent of him; your debt is his debt too. that said, i'm wondering if there's another way to get this done. your combined income is not huge. have you talked with financial aid departments of universities about what your options might be? also, there are scholarships for just about every situation, including women returning to school in their 30s - have you applied? there may also be local scholarships from groups in your community (rotary, soroptimist, etc). another option: you make your own money; is there a way to save some of it so that you can pay for school? all that's to say that there may be options other than borrowing. the terms tend to be decent (for a loan), but you don't want a lot of debt piling up if you don't have to. questions to consider: - how long will it take you to finish? perhaps there is more than one plan - part time, full time? - how much would you have to borrow? and when would you have to start paying it back? - how much spare income do you have currently? iow, how much of what you and your husband is left every month after you pay your usual expenses? - are you considering having a family or expanding your family any time soon? a student loan and going back to school could be a great investment, but there are many factors to consider. don't just dive in without talking with someone knowledgeable and agreeing with your husband. good luck!
You do not need your husband's permission or consent to get a student loan... just for the record. However, since you have a bachelors degree already and aren't using it, he may be concerned that you will do the exact same thing with this degree as well. "Oh, well, i can't get a job in the field" or "I think I'll drop out" or "i just really don't want to do speech pathology after all". These are prob the root of his fears. If he had faith you were going to follow through, he would be all for you going back to school.... You have to commit to getting the degree or not. Most people who are your age do all that you are describing, and still never leave the job they had when they started their degree. Here is an option: If he is adamant about you not getting a loan, then ask him to get a second job while you work full time and go to school full time.
Of course you can take loan if you are confident that you can put your 100% in study. You know, to turn an investment into profit hardwork is must.