school- loan or wait?

I'm 23, not too old. ^^ I've experienced similar feelings like you when I was your age. It seems that there is so much that I should do, there's just an urge telling me that I should do something other than sitting around doing nothing. I believe that time is always counting down and we shouldn't waste it whenever possible, so we really should do something actively all the time. I would advice that you list some options and work out the possibilities. Then ask yourself, what do you really want in life. When you think you've got the answer, it's time to move. We are all naive but there is no line between naive and matured. You get more matured when you do something and gain experience. Do remember that in our parents point of view, we are always never matured enough and there is a lot of truth in that, you should listen to their advices carefully and don't miss out their wisdom as they have lived a longer life than you and have a lot of valuable experiences. If you think you can take the risk, and you can hold the responsibility in your actions, just try and go ahead, carefully. Don't get beaten too easily, something will work out. Good luck! ^^

I remembered when I finished high school. My mother told me that she can't send me to college because she is a widow of 5 kids and all she can afford was my high school education. I did not want to waste my time sitting down and waiting for heaven to reach the earth. I made my move by going to colleges and seeking scholarships. I was so happy then that I got a hundred percent scholarship. At least now I don't have to think of loans to pay off my studies. I don't think you're being naive it is good that you are thinking of finishing your studies. It is anyway for your own good. God will be willing to help those who are willing to help themselves. Find scholarships first there are 50 or 100 per cent that you can apply. That way you won't have too big a burden when you finish school. Happy new year and good luck!

It sounds to me like you are very ambitioius. I suggest that you look for scholarships to help pay for college. If you search the college you are going to attend and check out all the scholarships, you may come across one that you fit into. I would also say, yes, definitely go for the student loan. That is how I went to college. I got grants and then student loans to pay the rest. The nice thing about the student loans is that you don't have to pay for them until after you graduate and they are very low interest. Don't sit around doing nothing when you can be getting an education that will help you find a great career.

Get the loan! You need to get school taken care of now while you are young before you start stacking up responsibilities and a family. I am almost 26 and stopped going to school a semester shy of finishing my bachelor's degree. Before I knew it I was married and had a baby and now I've got another one on the way. I love my life and my family but I really wish I had hunkered down and finished that last semester. Everyone has school loans. The loan companies are awesome at working with you on a payment plan. My friend only pays $30 a month on her loan. Thirty dollars!! That is so easy to afford. Plus, a lot of companies these days will help you pay off your student loans afte they hire you. So, my advice is to take out the loan and go to school. You will get a better job with the education under your belt. It will be so worth it. Good luck!

butterfly, it sounds like you are ambitious enough to have the drive to do well in college, so I would say, "Go for it!" Do not wait. 40 years ago when I graduated from high school, I joined the military instead of going to college. When I was discharged from the Navy, I tried going to college, but after four years of not being in the 'study' mode, I did poorly. Earned B's & C's for the courses that I did complete, but there had been several that I never completed. 18 years later, I did go back to college, earned straight A's, and graduated from a community college with an Associate's Degree. And started to earn good money which has got me in good financial shape so that I could retire in 4 years (I am now 58 yr old). My only regret is not doing this back when I was 22 yrs old. So, check into scholarships, student loans, and the financial aid office at the college of your choice and get started. I did the student loan called a Stafford Loan. It took 10 years to pay off the loan, but the payments were easy as I earned good money after graduation. Lastly, you are right that i nothing is going to come to you if you are just sitting around all day. You got to make it happen. Good Luck in 2009!

I know the feeling. I'm actually going to be (hopefully) in my last semester of college if there aren't any complications with class requirements, etc. I really don't think that you're being naive for wanting to take out a loan to go to college, especially since you say that your parents aren't making a move to help get you on your way. I personally don't want to have to take out a loan for anything. Everyone's situation is different though and I got pretty much a free ride to college. Financial aid cut a lot though and it didn't cover my full tuition last semester but it covered most of it. I think it depends on the school that you choose to go to because some of them are really expensive and some are about $2,000 a semester (like mine) which is considerably lower than private colleges for example. I would take up the suggestion of looking up scholarships. I don't know your complete situation to know your parents' reasons for maybe delaying or not wanting you to go to college but I'm guessing that they have their reasons. I don't think that waiting on God is a solution though because God helps those who helps themselves. There won't be some type of divine intervention that's going to help get you to college. I think that you should go though because you seem to be articulate from your responses and I can tell from this topic that you are ambitious like others have said. Some suggestions that I can think of are to look into scholarships, maybe find a job if you can and try to save up, check out federal work-study. You can work in your school and earn money for your tuition at the same time. I wish you all the best. I hope that you can figure out something that allows you to go to college.

hello butterflytears, Our parents should be responsible in sending us to college. But for one reason or the other they can't do it. In my own opinion, maybe you can start looking for a part time job so you can enrol and study at the same time. Surely, it will take for you to finish for you can only get some units but at it's okey at least you've started than staying and doing nothing at home. You'll have a better future in doing that than waiting as your parents told you. Having a loan is also just fine but the cost there is expensive. But you can finish your studies at once than the former. Why don't you take scholarship exam or program if there is offer in your place? You might make it.

The idea of starting the college is a good one. I think you should go ahead with the loan and start the good work. It is a great thing which you have planned to do and you need to start it at the earliest.

Hi butterfly if you are in such a great financial problem then you can wait for a year and work somewhere and earn money , you can easily get a job which is low in pay and then save money and after year you can continue with your ambitions.