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Can I realistically afford my college's tuition if I also work?
My college's tuition (including dorm) is going to be about 18k a year. I also have to pay a car payment of $300 a month and insurance of $120. So if I'm rounding up my expenses would be around 23.5k a year not including gas and some food expenses though I'm on a meal plan for 7 meals a week so I wouldn't have to cook that much as I usually only eat twice a day.
If I work somewhere between part-time and full-time can I afford my college's tuition?
This would be in the state of Florida...
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It appears to me you are trying to pay for school as you go and graduate without any college debt. While I applaud the effort I believe your plan will fail as it is not possible to earn the money you need working part-time. You would need a full time job. If you try to go to school full time and work full time one or the other will fail if not both.
What I suggest is you sit down with a financial counselor at school and see what grants are available for you. Grants such as Pell grants are available on a year to year basis and many students are eligible for them. There may be other grants or even scholarships available.
Don't read this and say no I don't qualify. My son said the same thing. He said I made too much money for him to qualify. Long story short he received a Pell Grant and other Grants which significantly reduced his tuition. He then with the help of the finance counselor arranged for a student loan to cover tuition and other expenses. He did this each year he was in school. He also worked part-time for an ambulance company as an EMT while in school arranging his hours around his class schedule.
When he finished college he had saved enough money to pay off a major chunk of his college debt which he did and refinanced or rescheduled the remainder. HE is paying off about $10K at a very low interest rate and will soon pay that off.
You can do the same. Finance what you will need and work part-time as well but only enough hours as not to affect you school work. Bank half of what you earn and keep half for spending money. When you graduate you will be surprised at how much money you have saved if you are diligent at saving.
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Since you already have a base idea of how much it will cost per year for college you will need to find out what a job in Florida that you can do will pay and see if the figures balance out.
You have to remember one very important detail though. If you are studying and working as well you will be limited on the jobs you are able to apply for and do because of the amount of time that college will take up, especially since I am assuming you will be studying full-time. Being in college will mean you may only have weekends or a few days (if even that many) in the week for work, and this is not taking into account the time you may need to complete assignments. This will be something you will need to look into because the last thing you want to do ,is end up piling far too much onto yourself only to then realise you're struggling to keep up with all of it.
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