college tuitition was Re: Children of the 21st century

We are considered a low income family. My oldest daughter is 10 and I would like to make sure she can afford to go to college. I think my finances would be so much better if I had stayed in college instead of marrying Mr. Wrong. Are their programs for low income families to secure tuition? Can

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  1. #1
    DVICTOR1
    Guest

    Default college tuitition was Re: Children of the 21st century


    We are considered a low income family. My oldest
    daughter is 10 and I would like to make sure she can afford to go to
    college. I think my finances would be so much better if I had stayed in
    college instead of marrying Mr. Wrong. Are their programs for low income
    families to secure tuition? Can you give me a link to the plan you
    are using so I can read about it? I have three girls, and the thought of
    them not being able to afford to go to college is something I hope to
    avoid.
    I will do a search for college tuition programs, but I
    thought maybe someone could give me additional information.


    Thanks!

    Melissa in OK


    <font size="2" face="Georgia">10.0pt;font-family:Georgia;">I think if we'd given the kids everything they wanted,
    like some

    families do, we wouldn't have their college savings set aside--which

    we do! We used one of those state programs for buying credits at

    today's prices, regardless of what the credits might actually cost in

    the future when the kids use them. Our oldest is a junior in college

    and we have barely had to scratch the surface of that tuition savings

    plan yet. And this on my part-time income and my husband's civil

    service income!<font size="2" face="Arial">
    10.0pt;font-family:Arial;">





  2. #2
    lisa griffeth
    Guest

    Default college tuitition was Re: Children of the 21st century

    I don't know how you feel about relocating or how long the program will last (we are hoping a long time as our youngest is only 6...) but the state of Georgia has a plan funded thru lotterymoney that pays for full ( I think- we've not used it yet) tuition and books for GA students (to state approved colleges/universities) for 4 years if they have a good grade point average coming out of high school and maintain it while in college... Something to think about and look in to..... Lisa G.

    DVICTOR1 <dvictor1@cox.net> wrote: <DIV class="Section1"> <div class="MsoNormal"><SPAN style="FONT-SIZE: 10pt;FONT-FAMILY: Arial;">We are considered a low income family. My oldest daughter is 10 and I would like to make sure she can afford to go to college. I think my finances would be so much better if I had stayed in college instead of marrying Mr. Wrong. Are their programs for low income families to secure tuition? Can you give me a link to the plan you are using so I can read about it? I have three girls, and the thought of them not being able to afford to go to college is something I hope to avoid. <div class="MsoNormal"><SPAN style="FONT-SIZE: 10pt;FONT-FAMILY: Arial;">I will do a search for college tuition programs, but I thought maybe someone could give me additional information. <div class="MsoNormal"><SPAN style="FONT-SIZE: 10pt;FONT-FAMILY: Arial;"> <div class="MsoNormal"><SPAN style="FONT-SIZE: 10pt;FONT-FAMILY: Arial;"> <div class="MsoNormal"><SPAN style="FONT-SIZE: 10pt;FONT-FAMILY: Arial;">Thanks! <div class="MsoNormal"><SPAN style="FONT-SIZE: 10pt;FONT-FAMILY: Arial;"> <div class="MsoNormal"><SPAN style="FONT-SIZE: 10pt;FONT-FAMILY: Arial;">Melissa in OK <div class="MsoNormal"><SPAN style="FONT-SIZE: 10pt;FONT-FAMILY: Arial;"> <div class="MsoNormal"><SPAN style="FONT-SIZE: 10pt;FONT-FAMILY: Arial;"> <div class="MsoNormal"><FONT face="Georgia" size="2"><SPAN style="FONT-SIZE: 10pt;FONT-FAMILY: Georgia;">I
    think if we'd given the kids everything they wanted, like some
    families do, we wouldn't have their college savings set aside--which
    we do! We used one of those state programs for buying credits at
    today's prices, regardless of what the credits might actually cost in
    the future when the kids use them. Our oldest is a junior in college
    and we have barely had to scratch the surface of that tuition savings
    plan yet. And this on my part-time income and my husband's civil
    service income!<SPAN style="FONT-SIZE: 10pt;FONT-FAMILY: Arial;"> <div class="MsoNormal"><SPAN style="FONT-SIZE: 10pt;FONT-FAMILY: Arial;">


    &#32;_____________________________________________ _____

    Tired of spam? Yahoo! Mail has the
    best spam protection around



  3. #3
    ~trina~
    Guest

    Default college tuitition was Re: Children of the 21st century



    I hope I can shed some light on this…..since
    I was in the same situation for MYSELF, and have 3 kids as well.

    --due to my husband’s illness, I decided
    going to school for myself was to my best interest, if something ever happened,
    then I can take care of my family.

    As an undergrad (for a BA/BS), there are pell
    grants,loans of various types (Stafford, subsidized, unsubsidized), as well as BOG waivers.

    In the state of CA, if your girls plan to
    go to a JUNIOR COLLEGE, then you can apply for a Board of Governor’s
    Grant.

    As a lower income family (limits vary for
    various state programs,etc), the BOG waiver can be used to pay for all tuition
    costs, EXCLUDING

    Books and parking permit. They do not tell
    you much about this, let alone advertise that it can be used at more than one school
    at one time, by the same student. For example, I was attending University of La Verne(CA) and I was told I needed
    24 additional units in various areas. So, while I attended my core classes for
    my degree that were only offered at my university, I attended 2 additional
    junior colleges at the same time (as the university) and applied for the BOG
    waiver at both colleges and didn’t have to worry about tuition. (these
    can be taken as online, hybrid, on campus classes—all receive same credit
    and were transferable to go towards my BS in Organizational Mgmt degree. When
    you get to grad school, however (which I am now in and will graduate in May
    with my Masters Degree), then it is all loans. Food for thought, if you work at
    the college or university, you can also receive free tuition for your children
    as well, which I hope to do….teach/work where they attend.

    Hope this helps. Any more Qs ,just ask. ~trina~
    12.0pt;color:._,___





  4. #4
    sherrykfp
    Guest

    Default college tuitition was Re: Children of the 21st century



    The state of Oklahoma has OHLAP (Oklahoma Higher Learning Access

    Program) They will pay tuition and new next year fees and book costs,

    at state schools, and if I remember correctly, pay that same amount to

    the school of your choice. It is based on income and grade point

    average, I believe you sign up in the ninth or tenth grade. Just

    google OHLAP and you can get all the information.

    HTH

    Sherry

    --- In Budget101_@yahoogroups.com, lisa griffeth <apiamama@...> wrote:

    >

    > I don't know how you feel about relocating or how long the program

    will last (we are hoping a long time as our youngest is only 6...) but

    the state of Georgia has a plan funded thru lottery money that pays

    for full ( I think- we've not used it yet) tuition and books for GA

    students (to state approved colleges/universities) for 4 years if they

    have a good grade point average coming out of high school and maintain

    it while in college...

    > Something to think about and look in to.....

    > Lisa G.

    >

    > DVICTOR1 <dvictor1@...> wrote:

    > We are considered a low income family. My oldest

    daughter is 10 and I would like to make sure she can afford to go to

    college. I think my finances would be so much better if I had stayed

    in college instead of marrying Mr. Wrong. Are their programs for low

    income families to secure tuition? Can you give me a link to the

    plan you are using so I can read about it? I have three girls, and

    the thought of them not being able to afford to go to college is

    something I hope to avoid.

    > I will do a search for college tuition programs, but I thought

    maybe someone could give me additional information.

    >

    >

    > Thanks!

    >

    > Melissa in OK

    >

    >










  5. #5
    herberkids3
    Guest

    Default college tuitition was Re: Children of the 21st century

    Talk to a financhial advisor at the college. They know all the

    programs available for grants. You sound like you are looking more

    for a grant than a loan. A grant does NOT need to be paid back.

    However, many require that the student get good grades through out

    school in order to remain eligable.



    There are many nation wide grants available, but also many state

    wide one. If your child is a senior this year, she needs to apply

    for these NOW. The deadline is in a few weeks, and these grants are

    snatched up quickly.



    Once grants are established, then look at student loans. Student

    loans are interest free, and do not charge payment until the child

    stops going to school (ie- graduated, quit, gets kicked out, etc).

    These are usually lower interest, and as long as your child only

    takes out what is needed for the class costs, they are usually easy

    to pay back.



    Most students are offered the full amount they can take out each

    semester (which 6 years ago for my husband was $5,500 per semester,

    when only about $1,000 was needed each semester). A lot of kids fall

    into the trap of taking it out and living off the extra, which might

    be helpful in the short term, but long term you are looking at

    MASSIVE bills. Or, rather, the student is.



    There are some loans that you can get with a slightly lower interest

    rate if a parent signs with the student, but then you are

    responsible for life if the student fails to pay it back.



    Additionally, though you are not required to pay until the student

    stops attending school, you -can- pay. It wouldn't even have to be

    much, but if your child works part time while attending school, and

    sets aside $50 a month to send in, and you match it, that's $1200 a

    year that is being paid back on an interest bearing loan before it

    collects interest. That would leave a low loan amount when your

    child does have to start paying it back, and you are already used to

    paying on it.



    Many have programs where you can do a graduated paying system,

    meaning while you have a lower paying job, you pay a lower amount.

    As you make more money, your payment amounts go steadily up.



    Additionally, paying on the loan before payments are due make for a

    much lower payment amount when they are required.



    Loans can be daunting, but honestly, not all students get the

    scholorships and the grants to cover everything. Some grants will

    barely even cover the cost of the books per semester. You just have

    to teach your daughter when she goes to make -good- desicions.



    I am seeing now your daughter is younger. You have several years to

    help set aside some money for school, even if it's only $50 a month

    here or there. It won't be much, but it does help in the begining.

    Additionally, your daughter is young enough that her grades haven't

    come into play yet on whether she qualifies for certain colleges.

    Impress upon her that colleges look at their grades from 9th grand

    on up to 12th grade. Scholorships go to the kids who prove

    themsevles, either athletically, educationally, or based on another

    talent. Some towns give out a scholorship based on moral fiber.

    Others give it based on heritage. Some award them based on income.

    Your town might have a scholorship program set up, so look into that

    now.



    It sounds bad, but start grooming your daughter to win what ever

    type it is. If it's based on volunteer work, start spending 1

    saturday a month volunteering somewhere with your daughter. Next

    year, up it to two saturdays a month, then add a week day afternoon.

    By High School, she'll be used to volunteering, and will have a

    great record at it. Look into it now, though, and find out if your

    town or anyone in the town sponsers a scholorship, and find out how

    it's won.



    Our town, for instance, sponsers quiet a few through different

    organizations. One is based on volunteering, one is based on writing

    (you have to write an essay with a platform that you can show why

    you support it), several are athletically based (there are several

    all around sports ones, 1 gymnastics one, and 2 football ones).



    The bottom line is that you need to look into the information now,

    because you need to know what to expect in her senior year. You

    don't want it to just kind of pop up, and have no clue what to do

    when the time does come.



    Good luck





    --- In Budget101_@yahoogroups.com, "DVICTOR1" <dvictor1@...> wrote:

    >

    > We are considered a low income family. My oldest daughter is 10

    and I would

    > like to make sure she can afford to go to college. I think my

    finances

    > would be so much better if I had stayed in college instead of

    marrying Mr.

    > Wrong. Are their programs for low income families to secure

    tuition? Can

    > you give me a link to the plan you are using so I can read about

    it? I have

    > three girls, and the thought of them not being able to afford to

    go to

    > college is something I hope to avoid.

    >

    > I will do a search for college tuition programs, but I thought

    maybe someone

    > could give me additional information.

    >

    >

    >

    >

    >

    > Thanks!

    >

    >

    >

    > Melissa in OK

    >

    >

    >

    >

    >

    > I think if we'd given the kids everything they wanted, like some

    > families do, we wouldn't have their college savings set aside--

    which

    > we do! We used one of those state programs for buying credits at

    > today's prices, regardless of what the credits might actually cost

    in

    > the future when the kids use them. Our oldest is a junior in

    college

    > and we have barely had to scratch the surface of that tuition

    savings

    > plan yet. And this on my part-time income and my husband's civil

    > service income!

    >










  6. #6
    DVICTOR1
    Guest

    Default college tuitition was Re: Children of the 21st century


    I am behind on my emails. This would be a wonderful
    program. Here in OK they just started a lottery last January for “education”
    but we don’t have any programs like that that I have heard of. Maybe
    once it gets rolling and the schools come up from poverty levels and get
    properly funded, they might start a college program. That would be wonderful!

    Melissa in OK



    <a name="5"></a><a href="http://groups.yahoo.com/group/Budget101_/message/27864;_ylc=X3oDMTJyOGJkMjhuBF9TAzk3MzU5NzE1BGdycEl kAzcwMDI0MzQEZ3Jwc3BJZAMxNzA1MTQ0NzA5BG1zZ0lkAzI3O DY0BHNlYwNkbXNnBHNsawN2bXNnBHN0aW1lAzExNjg1MzA3MDc-" title="http://groups.yahoo.com/group/Budget101_/message/27864;_ylc=X3oDMTJyOGJkMjhuBF9TAzk3MzU5NzE1BGdycEl kAzcwMDI0MzQEZ3Jwc3BJZAMxNzA1MTQ0NzA5BG1zZ0lkAzI3O DY0BHNlYwNkbXNnBHNsawN2bXNnBHN0aW1lAzExNjg1MzA3MDc-"><font size="2" color="#1e66ae" face="Georgia">10.0pt;font-family:
    Georgia;color:#1E66AE;font-weight:bold;text-decoration:none;">Re: college
    tuitition was Re: Children of the 21st century
    </a><font size="2" face="Georgia">10.0pt;font-family:Georgia;font-weight:bold;">
    <font size="2" face="Arial">10.0pt;font-family:Arial;font-weight:bold;">Posted by:
    "lisa griffeth" <font color="#1e66ae"><span style="color:#1E66AE;">apiamama@yahoo.com
    <font color="#1e66ae"><span style="color:#1E66AE;">apiamama


    7.5pt;font-family:Verdana;font-weight:bold;">Wed Jan10,2007
    11:02am (PST)

    <font size="2" face="Georgia">10.0pt;font-family:Georgia;">I
    don't know how you feel about relocating or how long the program will last (we
    are hoping a long time as our youngest is only 6...) but the state of Georgia
    has a plan funded thru lottery money that pays for full ( I think- we've not
    used it yet) tuition and books for GA students (to state approved
    colleges/universities) for 4 years if they have a good grade point average
    coming out of high school and maintain it while in college...

    Something to think about and look in to.....

    Lisa G.





 

 

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