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$8K a year is cheap for college. Since you have community college already, you're looking at a total cost of under $20K, about as cheap as any college gets.
A FT job even at minimum wage will net you well more than $8K per year. A PT job may get you close to it. If you don't want to use your $47K savings then get a job and pay as you go.
My own example: I had a double major - undergrad degrees in history and geography, master's degree in history. My debt load was $36K from all that put together although I could have kept that to about $29K if I'd been smarter about it. Most useless degrees ever, right? Maybe.
Within 3 years I was able to get a better job that started at $49K compared to the $38K job I was working before, so the degrees were worth $10K per year right there and I've been working it 3 years, so that $36K is now justified. Within the next 5 years I'll be making in the 60s somewhere. Even more important, I'm doing what I like to do, so the degrees were worth it. You want to look at it as a long game.
COLLEGE IS A ******* RIP OFF! HOW THE HELL AM I SUPPOSED TO BREAK 50K IN NET WORTH IF I HAVE TO PAY TUITION? ISN'T FINANCIAL AID SUPPOSED TO HELP THOSE LESS FORTUNATE? WHAT A SCAM!!!!! I'm 23, why are they trying to take everything from me? Apparently I'm not destitute enough with only 47,000 in net worth to qualify for a Pell Grant... I'm not paying 8,000 a year for a POS state school. I was assuming I'd get a free ride like I did in community college..... It was the whole purpose I applied to one.
College is just a tool in a toolbox of tools that you are using to construct a career. The problem isn't college per say, the problem is that people have HORRIBLE career planning procedures, where they more times than not don't even have a quality career plan in place at all.
If you have a quality career plan in place and can map out where you can get an increase of $10,000 a year immediately upon graduating, and it costs $20,000 in total for the degree....then you break even in two years and profit in three years. But MOST college students don't have it mapped out like this, to where they can even look at ways of taking that $20,000 cost maybe to $12,000 so they breakeven/profit faster.
Most go to college and slap a degree on a resume, full of experience that's NOT relevant to the positions they are applying for, and are ticked off when they aren't moving up in the world.
You HAVE TO MAP OUT your Career, from beginning (Freshmen in college) to the end (age 67 or 70). Don't listen to the people that say this advice is silly, you need to do quality research and construct a quality Career Plan.
It's just like opening a business, if you don't have a quality Business Plan you will fall on your face because WITHOUT that plan, it's like you don't have a compass, and you will never truly know where the hell you are going.
College is just a tool in a toolbox of tools that you are using to construct a career. The problem isn't college per say, the problem is that people have HORRIBLE career planning procedures, where they more times than not don't even have a quality career plan in place at all.
If you have a quality career plan in place and can map out where you can get an increase of $10,000 a year immediately upon graduating, and it costs $20,000 in total for the degree....then you break even in two years and profit in three years. But MOST college students don't have it mapped out like this, to where they can even look at ways of taking that $20,000 cost maybe to $12,000 so they breakeven/profit faster.
Most go to college and slap a degree on a resume, full of experience that's NOT relevant to the positions they are applying for, and are ticked off when they aren't moving up in the world.
You HAVE TO MAP OUT your Career, from beginning (Freshmen in college) to the end (age 67 or 70). Don't listen to the people that say this advice is silly, you need to do quality research and construct a quality Career Plan.
It's just like opening a business, if you don't have a quality Business Plan you will fall on your face because WITHOUT that plan, it's like you don't have a compass, and you will never truly know where the hell you are going.
You used to be able to join a company or state job and work your way up to the top with hard work or brown nosing.
Any bachelor's degree that costs money is expensive. Anything covered by financial aid isn't.
time is not an insignificant variable in this. opportunity cost etc
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