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19k in debt have a science degree and living at my parents house.
I am working low end job, trying to decide the next plan.
I have a low science gpa around 3.0
I would like to achieve at least an income of 70k or above.
Just want to hear your guys thoughts and some advice.
Be willing to come home sweaty and dirty and the world is yours.
Physical therapy is a great career. The starting salary is on the low side but you can make around $100k or more with a few years experience. Your GPA is low for PT school, but if you get good volunteer experience, make yourself known to school admissions, and apply early you'll definitely have a shot of being accepted. Schooling costs and debt are a factor for all graduate medical professions, but you can enter a loan forgiveness program after school, i.e. military, work in rural underserved area.
Nursing might also be a good option. It might be easier for you to get into. Good pay and lots of career growth for nurses such as administration, case management, nurse practitioner, etc.
I wouldn't suggest trades unless you're really passionate about working in that kind of field. You can make great money, but most trade work is very taxing on the body. I've met too many tradesmen who had at least one major orthopedic injury. Plus, trade school now isn't that cheap either. Where I live, trade schools run about $30k.
Physical therapy is a great career. The starting salary is on the low side but you can make around $100k or more with a few years experience. Your GPA is low for PT school, but if you get good volunteer experience, make yourself known to school admissions, and apply early you'll definitely have a shot of being accepted. Schooling costs and debt are a factor for all graduate medical professions, but you can enter a loan forgiveness program after school, i.e. military, work in rural underserved area.
Nursing might also be a good option. It might be easier for you to get into. Good pay and lots of career growth for nurses such as administration, case management, nurse practitioner, etc.
I wouldn't suggest trades unless you're really passionate about working in that kind of field. You can make great money, but most trade work is very taxing on the body. I've met too many tradesmen who had at least one major orthopedic injury. Plus, trade school now isn't that cheap either. Where I live, trade schools run about $30k.
Physical therapy is probably what I can see myself doing. If I can get in then that would be awesome, however high debt should be taken into consideration. I don't know about nursing, I work in hospital and can't see myself enjoying that profession.
I think if I can't get into pt school this year, I would have to consider either trying again next year or join the airforce or navy, score high on asvab which would give me better job opportunities. That way I would be in a good financial position after everything is said and done with. GI bill plus free housing for a period time sounds nice. Would you recommend airforce or navy?
I am not too sure about trade skill as of yet, can't see myself being happy there, but I am aware that trade skill professions have been left on the back burner and offer high pay.
Are any of you guys aware of IRA? I have read multiple books that me being 23 I should start putting money into an IRA account due to compounding interest. Is it better to pay off my debt first or start my IRA account now and put some money into the account? My loans are government issued, I believe its relatively low interest rate about 8?
Easy to enter? WHERE? State and City Please? Training? Training is...Pretty much unavailable.. what is available is mostly residential and that just about useless..
Quote:
Originally Posted by Europeanflava
Have you thought about becoming an electrician? Easy to enter, does not cost alot to get trained, and if you get the right knowledge/training you can expect to earn ALOT of money out of it.
Physical therapy is probably what I can see myself doing. If I can get in then that would be awesome, however high debt should be taken into consideration. I don't know about nursing, I work in hospital and can't see myself enjoying that profession.
I think if I can't get into pt school this year, I would have to consider either trying again next year or join the airforce or navy, score high on asvab which would give me better job opportunities. That way I would be in a good financial position after everything is said and done with. GI bill plus free housing for a period time sounds nice. Would you recommend airforce or navy?
I am not too sure about trade skill as of yet, can't see myself being happy there, but I am aware that trade skill professions have been left on the back burner and offer high pay.
Are any of you guys aware of IRA? I have read multiple books that me being 23 I should start putting money into an IRA account due to compounding interest. Is it better to pay off my debt first or start my IRA account now and put some money into the account? My loans are government issued, I believe its relatively low interest rate about 8?
If it's low interest student loan debt, it's better to put money in an IRA.
If it's low interest student loan debt, it's better to put money in an IRA.
if you're broke and poor, it's better to invest in taxable >.> the tax on a poor/broke man is minimal and he'd have access to it for moving/jobs/life. The tax free growth in an IRA is only nice when you actually get taxed.
You need to figure out if being a PT is a good fit for you.
Head on over to the career center a local college and ask to do some aptitude tests and interest inventories. Find out what careers might be a good fit. Then find some people in those fields and ask to interview them, see if you can set up some job shadowing, volunteering.
Anything for a buck will only get you so far. Figure out what you are good at, interested in... then figure out a career path.
So many folks are just wandering around, thinking they can "work their way up the corporate ladder" without any clear idea of what is involved or where they want to end up
Be smarter than that.
Right now, there are a number of new Physician Assistant programs and Pharmacy programs opening up around the country. Might this be a good fit for you? These are $70,000/year jobs for people with science backgrouinds. If you graduate and work in underserved populations, you can often get help paying off those loans.
If you don't know where you going, any path will do. Figure out where you're going.
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. $19K is still $19K. If it's no issue, may be you should send a check to the OP's way?
