How do you pay for your masters degree?

Sarah - posted on 10/07/2009 ( 11 moms have responded )

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I am currently teaching science at a public middle school and I am looking into getting my masters. However it is so expensive and I do not know how to pay for it the school system does not offer any help. I am trying to find government scholarships and grants, but everyone that I come in contact with says that they are not able to help me! They tell me to take out loans. That is not what I want to do. I am still paying back my undergrad. We have a young daughter, a house payment, car payments and all of the other stuff that we need (gas, electric, phone, etc) Why does the government support people who don't do Anything but they cannot help those of us who are trying to better ourselves? I worked as a case worker and there were people who would have more kids just so they could get more money from Welfare.....I know that some of the people they help really need it and that is why it is there...I just do not understand....

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Kristin - posted on 10/21/2009

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I took loans out for my graduate degree and certifications and my husband is in grad school now. We also have all the same bills and a newborn. We look at grad school as an investment in our future. The loan interest rates are going to be going down next year and you don't have to start paying them back until you graduate (I think though you have to be considered full time) Also, I don't know what it's like in your state, but I believe in PA, you have 5 years to get your level 2 permanent certification (through grad school/masters degree) or your teaching credentials become invalid. You might just have to bite the bullet and take the loans. Some schools/states do grants and scholarships, but not many. Good luck!!!

Noodle9405 - posted on 10/21/2009

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I didn't have any loans for my undergrad and refused to take out any for graduate school. So, my husband and I took away all of our extras. I only took one class per semester and it took me 5 years to finish. It was hard but so worth it in the end when I got a raise and didn't have to pay back any loans. I know it is hard. Good luck!

[deleted account]

Another thing is that if you take at least six hours, your student loans are deferred for the time you are enrolled for six hours. We also have used our money we get back from taxes every year to pay for schooling. If you have to take one class at a time, then do that. Also check out some of the online courses versus the traditional schooling. Sometimes you can get a better price online because the courses are shorter programs.

Trinity - posted on 10/18/2009

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Quoting April:



Quoting Trinity:

If you have not consolidated your loans from your undergrad and you have been teaching at a title 1 school for five years then you can ask to have your loans forgiven. Since you teach science the max is 17,500 I think. If your loan is through Direct Loans check out the links on the left for teacher forgiveness/forbearance.





This is true but you also need to make sure your loans were taken out 2001 (? I believe) or beyond for this to take into effect.  I know because I don't qualify because my loans were taken out '92-97 = (





Yep I forgot that part.  My loans for undergrad were between 2000-2002 so I was still approved.  Sad to say it but I took out a loan for my MA not one week after the undergrads were forgiven.  Figured better to do it now while I am used to being busy than when I am not.  Also when I am not used to having a lot of extra funds.

Sarah - posted on 10/15/2009

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Quoting Kathy:

I never wanted to take out a loan for any part of my education.I applied for scholarship on my own for undergrad and got two. The I applied for work study on campus so I could work around my class schedule. Of course my parents were there to help too with undergrad. For grad school I was working and we had tuition exemption for teachers for part of it in my state. Since my grade were good in undergrad the university exempted me from some of the grad school testing. Ask if there is such a thing where you graduated. I did a search before PCs for fellowships. I even checked with the university itself. When I was about to get married in grad school, we put the wedding off until after I graduated. Since you are already married with kids perhaps you can budget and save and/or only take one class per semester or school term. When I returned to grad school for further certification that's what I did. There are also on-line schools that offer help. The rest of your question was more of a vent. My point is you have to do for yourself, look for yourself, owe no one and prioritize. Otherwise, you appear to feel entitled and isn't that what you are accusing of those on welfare?



Yes, I know that part of that was a vent...but when talking to some of the tuition assistant people, they told me that if I quit my job I would then be able to get assistance from them...I just do not understand...I have a job, but to get help I have to quit? I am still searching and I have contacted the Dept of Ed for the State and they have sent me some information about scholarships that I might be able to get..

April - posted on 10/12/2009

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Quoting Trinity:

If you have not consolidated your loans from your undergrad and you have been teaching at a title 1 school for five years then you can ask to have your loans forgiven. Since you teach science the max is 17,500 I think. If your loan is through Direct Loans check out the links on the left for teacher forgiveness/forbearance.


This is true but you also need to make sure your loans were taken out 2001 (? I believe) or beyond for this to take into effect.  I know because I don't qualify because my loans were taken out '92-97 = (

Cynthia - posted on 10/12/2009

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I'm in the same dilema. I guess wherever you live there is injustice in the eyes of those who need financial support of some kind. There are so many in my country that receive welfare benefits while pretending they don't work, while others like us who work their butt (excuse my language) out and want to better themselves find the doors closed. I'm still going to try though and knock on a few doors. Good luck to you. Cynthia

Kathy - posted on 10/11/2009

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I never wanted to take out a loan for any part of my education.I applied for scholarship on my own for undergrad and got two. The I applied for work study on campus so I could work around my class schedule. Of course my parents were there to help too with undergrad. For grad school I was working and we had tuition exemption for teachers for part of it in my state. Since my grade were good in undergrad the university exempted me from some of the grad school testing. Ask if there is such a thing where you graduated. I did a search before PCs for fellowships. I even checked with the university itself. When I was about to get married in grad school, we put the wedding off until after I graduated. Since you are already married with kids perhaps you can budget and save and/or only take one class per semester or school term. When I returned to grad school for further certification that's what I did. There are also on-line schools that offer help. The rest of your question was more of a vent. My point is you have to do for yourself, look for yourself, owe no one and prioritize. Otherwise, you appear to feel entitled and isn't that what you are accusing of those on welfare?

Trinity - posted on 10/10/2009

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If you have not consolidated your loans from your undergrad and you have been teaching at a title 1 school for five years then you can ask to have your loans forgiven. Since you teach science the max is 17,500 I think. If your loan is through Direct Loans check out the links on the left for teacher forgiveness/forbearance.

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