Hey, so my parents want to pay for college in loan payments...so they don't have to pay it all up-front and so I can help out with it too when I get a steady job.

But I have to figure out which loan we should get.

Suggestions????

If you got Federal Perkins or Stafford loans from filling out your FAFSA, those are good bets. There's also the Federal PLUS loan, which is specifically designed for your parents to repay most of it. If you can't get enough money from the Federal loans, you might want to inquire at your bank or credit union if they offer student loans as well, or you could look into something like Astrive, but I'd call that a last resort. Most student loans (except, notably, the PLUS) don't become due until after you graduate.

Thanks for the help. :)

The military has a pretty good program

Lawls!

The military has a pretty good program

Good one, Trav

:lolhit: :lolhit: :lolhit: :lolhit: :lolhit: :lolhit: :lolhit: :lolhit:

The military has a pretty good program

Yes, I believe that's what John Kerry stated awhile back.;)

The military has a pretty good program
My kind isn't allowed to join. :(

Sure they are! Don't Ask, Don't Tell.

Isn't it interesting that someone who has long written about the wealth of their household is now looking for a loan to pay for higher education?

Sure they are! Don't Ask, Don't Tell.

yes. Bill Clintons crowning achievment during his 8 yers in office.

My kind isn't allowed to join. :(

Trust me OD, your kind is allowed to join. Just don't tell anyone. I'd like to see you out here, doing what I do everyday, man that would make my day. You could contribute to the seemingly non-existent rich snobs in the military. And I mean that in the most non-invasive way, haha.

Isn't it interesting that someone who has long written about the wealth of their household is now looking for a loan to pay for higher education?


have you seen the costs for college?:@@:

Set up a 529 savings plan (http://www.savingforcollege.com/intro_to_529s/). The smartest way to go.

Trust me OD, your kind is allowed to join. Just don't tell anyone.
My sexuality is apart of who I am, and if I have to hide apart of who I am, I'm not really joining, am I?

But to be honest, I love this country, but not enough to die for it. There are plenty of other great places to live on this earth, and you only live once. And I know that's an un-popular stance to have in the United States and I know I'll get tons of shit for it, but that's ok.

--------

PS: Michelle, ES doesn't really look at reality. Because the reality is that even people who make 100,000+ don't have an extra 20,000 a year to pay up-front for a simple state school, when they have two other kids to think about. Also, getting a loan doesn't mean you are poor. It just means you can't pay for everything up-front.

Why do you think people make car-payments, even if they make a good income? Because paying for something up-front is a lot to ask of most anyone, unless you are really rich, which my parents aren't and I've never claimed that they were. I've said they are upper middle-class, but NOT rich...meaning paying that much money up-front isn't really an option, and most likely isn't for most people in my situation. But hey, making assumptions about people's lives is always good and rational. :)

Oh and thanks for pointing out that the cost of college these days is insane. And that even those who make a good income still can't pay for it. If only people weren't ignorant to this fact.

Gahh. I hate when people quote those on my ignore list! It reminds me why they are always wrong and forces me to respond to their un-true remarks. :(

Gahh. I hate when people quote those on my ignore list! It reminds me why they are always wrong and forces me to respond to their un-true remarks.
That means do it more!

But to be honest, I love this country, but not enough to die for it. There are plenty of other great places to live on this earth, and you only live once. And I know that's an un-popular stance to have in the United States and I know I'll get tons of shit for it, but that's ok.

no, that is THE stance that we have here in the U.S. We have a choice.

I don't want to be a auto mechanic or a farmer, but I sure am glad that there are those that do. My son is in the service, he plans on getting his masters in English literature after his hitch is up (he still lacks a few years on both counts). He will probably end up as a teacher (and maybe he will write a great novel to boot... who knows).

It's fine to do what you feel in your heart is for you. But I'll tell you this, if your family and friends right to the life that they choose was threatened, I'll bet you would do whatever was required to preserve it.

BTW... good luck in school, and in the future.

but I sure am glad that there are those that do.
Me too. I'm glad that there are those who serve. But risking my life for the United States just isn't worth it to me.

Sure, I think we are a great country overall, but there are many other great countries that I wouldn't mind moving to if I had to.

But I'll tell you this, if your family and friends right to the life that they choose was threatened, I'll bet you would do whatever was required to preserve it.
Hmmmm, we could move to Canada. ;)


BTW... good luck in school, and in the future.
Thanks. :)

Hmmmm, we could move to Canada.

But.... Sal would be there.... chasing my rock hard abs and trying to lay duck eggs on my sofa.

;)

PS: Michelle, ES doesn't really look at reality. Because the reality is that even people who make 100,000+ don't have an extra 20,000 a year to pay up-front for a simple state school, when they have two other kids to think about. Also, getting a loan doesn't mean you are poor. It just means you can't pay for everything up-front.




I didn't look at the reality of it either until my 12 y/o brought home different college brochures last winter.......what the.....they are shoving college at 12 y/o's now? Even with the help of the fund their grandparents set up for them,I am still going to have to find ways to pay for the rest of college for 2 kids. I'm not even in the mindset that it's still 6-7 years off for my oldest cause those 6-7 years are gonna fly by.
I have already talked to my daughter about applying for various scolarships too when she's able to,those would help ease that financial strain too.
I hope all works out OverDose

I am surprised that you and your parents are just now looking into how to pay for college. They and you have had years in which to prepare and are just now trying to figure out what loans to get? Piss poor planning if you ask me.

Isn't it interesting that someone who has long written about the wealth of their household is now looking for a loan to pay for higher education?

Wow! The power I have to bring such responses to one simple question.

Everyone is right, of course on this point: I have no idea what the costs of college are these days. I got a free ride through school, with the military - therefore the tax-paying public footing the bill.

I would expect anyone looking into college these days to look for funding long before they start packing their bags. There's no shortage of grants, loans and scholarships of every shape out there just for the asking.

How is the question wrong, OD? Your college funding should have been a done deal by now. That's not a charge of denying the realities of life, IMHO, all of us are broke, just at different levels. An astronomical number of us are only a few paychecks ahead of bankruptcy, regardless of reported income.

... unless you are really rich, which my parents aren't and I've never claimed that they were. I've said they are upper middle-class, but NOT rich...meaning paying that much money up-front isn't really an option, and most likely isn't for most people in my situation. But hey, making assumptions about people's lives is always good and rational. :)

Just to put things in the proper perspective:

Median household income

Lake Oswego, OR: = $71,597
National = $41,994

Source: 2000 census, U.S. Census Bureau

And those who've said that financial planning for your college education at this late stage in the game is a bad sign weren't kidding. I mean, YIKES.

Still, as I've said before/elsewhere, tuition for state colleges (especially IN-state tuition) is eminently affordable, and a state college offers just as good an education as any (you get out of your college education what you put into it). OSU tuition is less than $5500 a year. (http://www.50states.com/college/detail/or/209542.htm) Do some research, kid!

I didn't look at the reality of it either until my 12 y/o brought home different college brochures last winter.......what the.....they are shoving college at 12 y/o's now? Even with the help of the fund their grandparents set up for them,I am still going to have to find ways to pay for the rest of college for 2 kids. I'm not even in the mindset that it's still 6-7 years off for my oldest cause those 6-7 years are gonna fly by.
I have already talked to my daughter about applying for various scolarships too when she's able to,those would help ease that financial strain too.


Yes, they are SHOVING college brochures to children so they and their parents can prepare ahead of time. It sounds like it rocked your boat and I don't understand why?:@@:

JJ is 10 and already planning for college and his majors so he can go toward that course and get scholarships that are available to him.
Makes plenty of sense to me, and yeah, OD and his parents fail miserably in not preparing beforehand.

OD, have you considered a trade?

Plumbers make a damned good salary and their wages are expected to increase due to fewer and fewer people entering the trade.

The average yearly salary for plumbers in 2006 was $45,830, according to the U.S. Department of Labor. That's a damned good salary, IMO. Plus, people LOVE to see you drive up to their house. :)

Nobody will respect you, though... :(

Nobody will respect you, though... :(

Only self-important snobs, Nappy. Only snobs.

And guess what? Snobs needs plumbers, too.

;)

Hell, I thought Overdose's town was rich. The median income in my town was $88,235 in 2000. Of course it seems like $75,000 of that goes for property tax and the rest goes for electricity.

Still, as I've said before/elsewhere, tuition for state colleges (especially IN-state tuition) is eminently affordable, and a state college offers just as good an education as any (you get out of your college education what you put into it). OSU tuition is less than $5500 a year. (http://www.50states.com/college/detail/or/209542.htm) Do some research, kid!
ROFL! 5,500 dollars for TUITION.

You don't include housing costs (6,000+), books, food or personal expenses (shampoo, toothpaste etc. etc.)

On the OSU website it says once all those are included, the average cost of going to Oregon State for one year is 15,000+.

I love how you just think the cost of tuition is all you have to pay. :lolhit:

--------

Hell, I thought Overdose's town was rich. The median income in my town was $88,235 in 2000. Of course it seems like $75,000 of that goes for property tax and the rest goes for electricity.
The median income for a family is $94,587 in Lake Oswego, compared to Beaverton, a town close by, which has a medican income for a family at 60,389.

Also, your town may have a higher family income, but I never claimed Lake Oswego is the richest place on the earth. What I said was that it is wealthy compared to most other cities in Oregon, and even compared to other cities in the United States seeing as how the average income for the United States is 44,000...and Lake Oswego has an average income of 71,000, which is a lot more.

Honestly, having a median income for a family at 94,587, is very good. Meaning most of the families are upper-middle class.

Also, what is the name of the city you live in Frogger?

And sure, we should have gotten a loan awhile ago. But getting a loan doesn't take forever and is pretty easy to get. So, I don't know why you, Frogger, have to be such an asshole about it. :)

ROFL! 5,500 dollars for TUITION.

You don't include housing costs (6,000+), books, food or personal expenses (shampoo, toothpaste etc. etc.)

On the OSU website it says once all those are included, the average cost of going to Oregon State for one year is 15,000+.

I love how you just think the cost of tuition is all you have to pay. :lolhit:

Brain-boy, OSU is located in Portland. That's ... what? Thirty miles from you? Unless, of course, your parents are kicking your sorry ass out of the house, which, given your whiny "But it's IMPOSSIBLE!!!!!" attitude about every fucking thing, wouldn't surprise me in the least.

On second thought, you shouldn't go to college. You're not smart enough to find the damned campus. :rolleyes:

ROFL! 5,500 dollars for TUITION.

You don't include housing costs (6,000+), books, food or personal expenses (shampoo, toothpaste etc. etc.)

On the OSU website it says once all those are included, the average cost of going to Oregon State for one year is 15,000+.

I love how you just think the cost of tuition is all you have to pay. :lolhit:
Indeed. At IIT, tuition is $23,000 a year or thereabouts. My scholarship pays for $19,550 of that. Ultimately, my out of pocket expenses for college for that year was in the neighborhood of $12,700, not including textbooks (another grand or so, I believe) and personal expenses (easily an additional couple thousand).

Brain-boy, OSU is located in Portland. That's ... what? Thirty miles from you? Unless, of course, your parents are kicking your sorry ass out of the house, which, given your whiny "But it's IMPOSSIBLE!!!!!" attitude about every fucking thing, wouldn't surprise me in the least.

On second thought, you shouldn't go to college. You're not smart enough to find the damned campus. :rolleyes:
Uhhhhhhhhhhh, wtf, :@@: Oregon State is located in Corvallis, NOT Portland.

Corvallis is 1 hour and 45 minutes away from my house and is in the opposite direction of Portland. LOL.

I love how ignorant you are about the cost of college and how far away Oregon State is from my house.

Making assumptions seems to be your strong point.

So now that you've been proven wrong on how much it costs to go to college, where Oregon State is located and how far away I live from Oregon State, can you maybe take some more time to research things before you spout off your mouth??? (I doubt I'll get a reply...but now I might, just because I said that). :)

Uhhhhhhhhhhh, wtf, :@@: Oregon State is located in Corvallis, NOT Portland.

Corvallis is 1 hour and 45 minutes away from my house and is in the opposite direction of Portland. LOL.

I love how ignorant you are about the cost of college and how far away Oregon State is from my house.

Making assumptions seems to be your strong point.

So now that you've been proven wrong on how much it costs to go to college, where Oregon State is located and how far away I live from Oregon State, can you maybe take some more time to research things before you spout off your mouth??? (I doubt I'll get a reply...but now I might, just because I said that). :)

Son, I've shown you how cheaply you can attend OSU as an in-state student. You'll have to live at home, but obviously you do not consider that an option. Tough shit. It's doable and at a reasonable price.

Now, do a search for "OSU Portland Metro" and get back to me about how you have to LIVE in Corvallis to attend OSU.

Fuck, forget OSU. WSU has a campus in Vancouver. Tuition fees for Fall 2007 for non-residents? $8,302

And finally, you are the most "I can't POSSIBLY do that! It's IMPOSSIBLE for meeee! Nobody UNDERSTAAAANDDSSS! It'll NEVER WORK! " defeatist loser I think I've ever come across online.

Get you head out of your ass, stop thinking there's only ONE way to do anything, and do not presume to inform me about college or its costs. I've already been there, remember? YOU HAVEN'T.

You're never going to amount to a thing with your attitude, kid.

Sheesh. :rolleyes:

Son, I've shown you how cheaply you can attend OSU as an in-state student. Approximately $5500 a year will do it. You'll have to live at home, but obviously you do not consider that an option. Tough shit. It's doable and at a reasonable price.
So you expect me to drive 4 hours (without including traffic), every day to attend school from home? Even if I were to live at home, I'd have to pay for car insurance and gas, which would all be outrageous and very expensive since I'd be driving so much.

Plus, I'd still have to pay for books, food and personal expenses which would be thousands of dollars in total. So, going to college would still cost upwards of 10,000 dollars even if I lived at home.

Now, do a search for "OSU Portland Metro" and get back to me about how you have to LIVE in Corvallis to attend OSU.
The vast majority of kids who attend Oregon State live on campus. They do this so they can get the full college experience and because their parents homes are too far away. My home is too far away. Thus, I either get a dorm or an apartment to attend school. That costs thousands of dollars.

Fuck, forget OSU. WSU has a campus in Vancouver. Tuition fees for Fall 2007 for non-residents? $8,302
Student books are each hundreds of dollars.
Food is hundreds of dollars.
Personal items and expenses are hundreds of dollars.
Car insurance and gas is hundreds of dollars a month.

Add all of the above to your 8,302 dollars and you get upwards of 10,000 dollars a year.

Besides, I'm 18. I think it is time to leave my parent's home.

Get you head out of your ass, stop thinking there's only ONE way to do anything, and do not presume to inform me about college or its costs. I've already been there, remember? YOU HAVEN'T.

You're never going to amount to a thing with your attitude, kid.

Sheesh. :rolleyes:
Uhhhh, you went to college a long time ago.

The OSU website says if you go to their college, the total amount of money you'd be spending is upwards of 15,000. I think I'll listen to their estimates of how much college costs. Thanks. :)

Did you not read Borg's post?

He went to college FAR more recently then you...and he even agrees with how much I say college costs these days.

I guess you're right. It's simply impossible for you to complete college courses without spending at least $15000 a year. Face it; you're doomed.

At least we know there's one thing you're a success at: self-defeating behavior.

At that, you excel. Your parents must be so proud. :thumbs:

Did you not read Borg's post?

He went to college FAR more recently then you...and he even agrees with how much I say college costs these days.
yeah, but he was smart enough to get a scholarship, and not put off putting the rest of the money together until the month before school started.

Son, I've shown you how cheaply you can attend OSU as an in-state student. You'll have to live at home, but obviously you do not consider that an option. Tough shit. It's doable and at a reasonable price.
I would really advise against a freshman college student living anywhere but in a dorm unless the financial situation offers no other option. One would really be missing out on an important part of the college experience.

So you expect me to drive 4 hours (without including traffic), every day to attend school from home?

P.S. It's a 17.2 mile drive from Lake Oswego to Vancouver - approximately half an hour drive.

Christ. :rolleyes:

yeah, but he was smart enough to get a scholarship, and not put off putting the rest of the money together until the month before school started.
:@@: His tuition is far more then mine, which is why getting a scholarship was needed badly. HOWEVER, if you had read correctly he still has to pay for some of his tuition, which is about equal to ALL of my tuition. So...whatever buddy.

Also, how does putting off getting a loan make college anymore or less expensive? The answer: it hardly does, AT ALL.

Honestly, why do you have to be such an asshole towards me? Sure, I put off the loan. Give me a break and if you don't have anything to say to help me, why be a jerk?

I would really advise against a freshman college student living anywhere but in a dorm unless the financial situation offers no other option. One would really be missing out on an important part of the college experience.

Bull. I lived a few blocks off campus and I didn't miss a thing (except the lousy cafeteria food).

P.S. It's a 17.2 mile drive from Lake Oswego to Vancouver - approximately half an hour drive.

Christ. :rolleyes:
I was talking about the drive to Oregon State. Duh

Regardless, going to Vancouver is still going to cost me about as much as it would if I were to go to Oregon State, because it is out of state tuition costs. So, that "idea" of yours is pointless.

I also see how you left all the other things I said un-answered. Why? Because you know it costs more then just tuition.

You still have to pay for food, gas, BOOKS, insurance and personal items.

Give me a break and if you don't have anything to say to help me, why be a jerk?

You've been given plenty of good advice. You just don't like the answers.

Privileged little brat; that's all you are.

:rolleyes:

Bull. I lived a few blocks off campus and I didn't miss a thing (except the lousy cafeteria food).
You do miss a lot. I lived in a dorm for my entire freshman year, and the culture was highly beneficial for me, really. My roommate became one of my best friends, I met a lot more people who lived on my floor, it helps one learn compromise, and unlike living at home, it also gives the student more control over their living quarters, but in a somewhat sheltered and structured fashion, which is an important thing to learn. I moved into my own place in Chicago after the end of Spring 07, but that was my choice, and I think living in a dorm was very beneficial for me. Really, living in a dorm is a somewhat essential part of college. It's not all about classes and academics.

You've been given plenty of good advice. You just don't like the answers.
Your advice was for me to go to a school in another state and pay out of state tuition, which is far more then in-state tuition.

This would also mean I'd have to pay for gas and car insurance, which I wouldn't have to pay for if I lived on-campus at Oregon State.

What a great idea!:rolleyes:

I was talking about the drive to Oregon State.

Uh?

Didn't you just say this:


Corvallis is 1 hour and 45 minutes away from my house and is in the opposite direction of Portland.

My god you're a self-defeating punk. Good luck, kiddo. You're really going to need it, in life.

OD....have you also looked into community colleges? My sister just graduated from Oakland University in Auburn Hills out here in Michigan. She's now an RN and going back for her Masters to be a Teaching RN. It's something to look into if you wanted.

You do miss a lot. I lived in a dorm for my entire freshman year, and the culture was highly beneficial for me, really. My roommate became one of my best friends, I met a lot more people who lived on my floor, it helps one learn compromise, and unlike living at home, it also gives the student more control over their living quarters, but in a somewhat sheltered and structured fashion, which is an important thing to learn. I moved into my own place in Chicago after the end of Spring 07, but that was my choice, and I think living in a dorm was very beneficial for me. Really, living in a dorm is a somewhat essential part of college. It's not all about classes and academics.

Learning to be independent and handle whatever comes along is also an essential part of college. You don't learn that by living off of mom and dad's dorm money.

But hey, you kids have all the answers. Stop asking people who've already been there for advice. You don't really want it, anyway.

Uh?

Didn't you just say this:




My god you're a self-defeating punk. Good luck, kiddo. You're really going to need it, in life.
Uhhh, it is 1 hour and 45 minutes ONE WAY to Corvallis.

If I lived at home I'd have to drive that twice in a day. Once to get there for school and once to get back home. That equals twice in a day. Get it?

And that would be basically 4 hours a day, TOTAL, when you include any sort of traffic or stops along the way.

How do you not understand that?

Learning to be independent and handle whatever comes along is also an essential part of college. You don't learn that by living off of mom and dad's dorm money.

But hey, you kids have all the answers. Stop asking people who've already been there for advice. You don't really want it, anyway.
What are you talking about? I am there, and I'm not asking advice; I'm giving it.

Oh, and I agree that college is also about learning to be independent. Didn't you read his original post? He was asking about loans. Loans which, usually, the student must pay off.

OD....have you also looked into community colleges? My sister just graduated from Oakland University in Auburn Hills out here in Michigan. She's now an RN and going back for her Masters to be a Teaching RN. It's something to look into if you wanted.

It's clear he doesn't want to. What he wants is to have his fancy college experience away from home, with a life of fun and frivolity in his paid-for dorm room, and eat it too.

OD....have you also looked into community colleges? My sister just graduated from Oakland University in Auburn Hills out here in Michigan. She's now an RN and going back for her Masters to be a Teaching RN. It's something to look into if you wanted.
Sure, I've looked into them.

But I'd rather get the college experience and I have no problem paying 15,000 a year for this experience and usually (NOT ALWAYS) a better education, since it is a state school not a community college.

Didn't you read his original post? He was asking about loans.

I did. Did you?

His parents are paying.

Hey, so my parents want to pay for college in loan payments...so they don't have to pay it all up-front

It's clear he doesn't want to. What he wants is to have his fancy college experience away from home, with a life of fun and frivolity in his paid-for dorm room, and eat it too.
How is this dorm going to be paid for if I get a loan and end up paying it back??? :@@:

and so I can help out with it too when I get a steady job.



Did you forget that part?????????

I did. Did you?

His parents are paying.
You conveniently cut out the part of that post which undermines your entire point.
and so I can help out with it too when I get a steady job.
I don't think that's an unreasonable set up. Personally, I'm paying for college by myself, because my dad doesn't have a lot of money to spare. But why is it so bad to have your parents help out with college expenses?

:@@: His tuition is far more then mine, which is why getting a scholarship was needed badly. HOWEVER, if you had read correctly he still has to pay for some of his tuition, which is about equal to ALL of my tuition. So...whatever buddy.

Also, how does putting off getting a loan make college anymore or less expensive? The answer: it hardly does, AT ALL.

Honestly, why do you have to be such an asshole towards me? Sure, I put off the loan. Give me a break and if you don't have anything to say to help me, why be a jerk?
it's a $3k differance...i've had bar tabs that big:lolhit:

I'd rather get the college experience

See? What'd I tell ya? He wants it all.

and I have no problem paying 15,000 a year for this experience

Then what the fuck are you whining about? Pay too much for an education and STFU.

and usually (NOT ALWAYS) a better education, since it is a state school not a community college.

You get out of a college education what you put into it. The learning institution has less to do with the result than the kid attending it.

As for the horrific distances you'd have to travel to go to college - WSU is less than 20 miles from Lake Oswego.

it's a $3k differance...i've had bar tabs that big:lolhit:

:thumbs: word

See? What'd I tell ya? He wants it all.
Most students do.

Then what the fuck are you whining about? Pay too much for an education and STFU.
Where was I whining?

You get out of a college education what you put into it. The learning institution has less to do with the result than the kid attending it.
Different colleges specialize in different subjects.

As for the horrific distances you'd have to travel to go to college - WSU is less than 20 from Lake Oswego.
And end up paying OUT-OF-STATE TUITION, which is far more then in-state tuition, and end up paying for GAS and CAR INSURANCE. It isn't worth it when you add all of those things up.

I don't think that's an unreasonable set up. Personally, I'm paying for college by myself, because my dad doesn't have a lot of money to spare. But why is it so bad to have your parents help out with college expenses?

There's nothing wrong with it, but given OD's defeatist attitude toward just about everything that involves him having to expend a little fucking energy and sweat to achieve something, I think it's safe to say that OD will NEVER repay his parents for a damned thing.

See? What'd I tell ya? He wants it all.
How is this a bad thing? If he can afford it and get the loans, go for it.
As for the horrific distances you'd have to travel to go to college - WSU is less than 20 miles from Lake Oswego.
Didn't you say WSU is $8000-ish a semester for tuition? That's $16 grand a year, just for tuition. And you advised him to do everything for less than $15,000 a year. That option doesn't seem helpful.

The problem with WSU is that I'd be paying out-of-state tuition, which is more then the in-state tuition at Oregon State.

Plus, I'd have to pay for car insurance and gas if I went to WSU.

Where was I whining?

This entire thread is you whining.

I can't go to a local college; it might not teach what I want to study!
I can't live at home; I'd miss out on all the cool fun in the dorms!
I can't drive to Corvallis every day; it would be such a looong drive!
I can't attend OSU in Portland; 'cause I don't wanna!
I can't drive to WSU in Vancouver; it costs a bit more for out-of-state students than in-state students, and besides, imagine how much gas it would take to drive 40 miles EVERY DAY!

:rolleyes:

Your advice was for me to go to a school in another state and pay out of state tuition, which is far more then in-state tuition.

No. My advice was for you to go to OSU Portland. But you didn't like that idea, did you?

I offered an alternative. You don't like that idea, either.

You've got an excuse for every suggestion that has been offered. Figure it out yourself, loser.

I can't go to a local college; it might not teach what I want to study!
Why waste money on a college where they don't have the programs you want to study?

I can't live at home; I'd miss out on all the cool fun in the dorms!
Uhhh, no. I'm 18 and it is time for me to leave home. Most kids do leave home when they are 18 too.

I can't drive to Corvallis every day; it would be such a looong drive!
A 2 hour drive each way seems a bit much, don't you think?

I can't attend OSU in Portland; 'cause I don't wanna!
There is no OSU in Portland...

I can't drive to WSU in Vancouver; it costs a bit more for out-of-state students than in-state students, and besides, imagine how much gas it would take to drive 40 miles EVERY DAY!
It costs about 3,500 more. That's more then a "bit".

Good Gawd, F, we all know OD's got some complaining issues, but it's his damn education, not yours. He should take it any way his parents will give it to him.

No. My advice was for you to go to OSU Portland. But you didn't like that idea, did you?

I offered an alternative. You don't like that idea, either.

You've got an excuse for every suggestion that has been offered. Figure it out yourself, loser.
The only OSU is in Corvallis. :confused:

Uhhh, no. I'm 18 and it is time for me to leave home. Most kids do leave home when they are 18 too.

You'll never make it on your own, kiddo. It's too much work, and this thread is ample evidence that you're not willing to WORK for a damned thing.

A 2 hour drive each way seems a bit much, don't you think?

A shitload of people drive two hours each way to work every day. You do what you have to do in this world, and if that means you have to live two hours away from your city job so you can afford the rent, YOU DO IT.

There is no OSU in Portland...

OSU Portland Metro (http://oregonstate.edu/portlandmetro/index.html)

You'll never make it on your own, kiddo. It's too much work, and this thread is ample evidence that you're not willing to WORK for a damned thing.
Uhhh...ok...

I worked to get a 3.8 my senior year. But okie doookie.

A shitload of people drive two hours each way to work every day. You do what you have to do in this world, and if that means you have to live two hours away from your city job so you can afford the rent, YOU DO IT.
...and now that's outrageous. Are you really suggesting I drive 4 hours a day, when I could stay down there on campus???

And paying for gas and car insurance is going to save me so much money.

OSU Portland Metro (http://oregonstate.edu/portlandmetro/portlandalumni.html)
The actual campus is in corvallis.

And that's for online classes mostly. I don't understand why you think I'd want to do that, over going to the actual campus in Corvallis?

Wow.

Are you really suggesting I drive 4 hours a day, when I could stay down there on campus???

NO. I've suggested you go to a local college. But you don't wanna.

The actual campus is in corvallis.

Extension classes are available in Portland.

And that's for online classes mostly. I don't understand why you think I'd want to do that, over going to the actual campus in Corvallis?

Haven't you been whining about how expensive it would be to attend school in Corvallis?!?!@?

People in hell want ice water, OD. They don't usually get it.

"You can't always get what you want, but IF YOU TRY, sometimes, you get what you need."

And what you need is a good dose of reality. Life isn't easy. The world doesn't owe you shit. To get anywhere, you have to get off your ass and work for it. If that means driving two hours to get to class, YOU DO IT.

NO. I've suggested you go to a local college. But you don't wanna.
Why would I want to do that when I want to leave and go out on my own?

Haven't you been whining about how expensive it would be to attend school in Corvallis?!?!@?
No. I haven't. I've said it is a lot, but I'm still going to pay for it because I can.

And what you need is a good dose of reality. Life isn't easy. The world doesn't owe you shit. To get anywhere, you have to get off your ass and work for it.
I never said it does owe me anything and who says I'm not going to work to pay off some of the loan when I'm out of college?

OD, as long as you believe anything is impossible, it will be for you. Millions of others will get through college, but you won't. My heartfelt advice is to quit thinking it is impossible and start doing it. Get a full time job if necessary, and take one or two courses a semester. Learn to do without a lot of things you are used to. Spend your weekends studying, and show you are willing to sacrifice something to get that education.
A person who truly believes they can do something, and who is willing to do whatever it takes to achieve it, is very hard to stop.

OD, as long as you believe anything is impossible, it will be for you. Millions of others will get through college, but you won't. My heartfelt advice is to quit thinking it is impossible and start doing it. Get a full time job if necessary, and take one or two courses a semester. Learn to do without a lot of things you are used to. Spend your weekends studying, and show you are willing to sacrifice something to get that education.
A person who truly believes they can do something, and who is willing to do whatever it takes to achieve it, is very hard to stop.
WHEN DID I EVER SAY IT WAS IMPOSSIBLE AND THAT I COULDN'T DO IT???????????????????????????????????????????????? ?????????????????????????????????????????????????? ????????? :@@: :@@: :@@:

What a friggin' drama queen!!!!!

What a friggin' drama queen!!!!!

You realize, of course, that OD reads none of our posts because we're being ignored. Further, he can't even respond, as doing so would force him to acknowledge ignoring his own ignore list. Quite the conundrum.


:bombout:

I don't really see what everyone has against community colleges. I got to start college two years early and I pay less than $2000 per semester in tuition. So I get my first two years of college (which are all general ed. classes anyways and not concentrating on my major) on the cheap. Plus I have very small classes with a lot of personal attention from professors (less than 30 students in each, although the school itself is quite large, with 15,000 on my campus alone).

I don't really see what everyone has against community colleges. I got to start college two years early and I pay less than $2000 per semester in tuition. So I get my first two years of college (which are all general ed. classes anyways and not concentrating on my major) on the cheap. Plus I have very small classes with a lot of personal attention from professors (less than 30 students in each, although the school itself is quite large, with 15,000 on my campus alone).

The only person here that has a problem with community colleges appears to be OD. I, too, attended community college for a year before going on to a state college. Cheap, cheap, cheap, and I was able to enter college with a lot of general ed credits already completed.

Good deal all the way around.

The only person here that has a problem with community colleges appears to be OD. I, too, attended community college for a year before going on to a state college. Cheap, cheap, cheap, and I was able to enter college with a lot of general ed credits already completed.

Good deal all the way around.
Yep, i'm going to have my associate's degree (that's 60 credits for anyone who might not know). Another advantage of community college, tying into what OD said about choosing a college for the program(s) you want, is that people who are undecided on a major have the opportunity to take a lot of classes and at least touch on subjects in which they're interested. Then you can decide what you want to do, making an informed decision instead of maybe showing up at college and finding that the subject of your major doesn't suit you at all.

I don't really see what everyone has against community colleges. I got to start college two years early and I pay less than $2000 per semester in tuition. So I get my first two years of college (which are all general ed. classes anyways and not concentrating on my major) on the cheap. Plus I have very small classes with a lot of personal attention from professors (less than 30 students in each, although the school itself is quite large, with 15,000 on my campus alone).
I don't have a problem with a community college, I'd just rather go to a state school because I want the dorm experience and I want to leave home.

I never complained about the cost of a state school, all I said was that it s pretty expensive...but that my parents and I are going to pay for it through a loan, becaues paying for everything up-front isn't realistic, even for people who make a good income. No whining, no complaining, just stating a fact.

I have tons of friends who are going to a community college, hell, my best friend Sadie is going to a community college. Soooooo...there is nothing wrong with them in my opinion, they just aren't for me. :)

fuuck after reading this thread I am glad I am all growed up, have no snotty nosed brats to send to college, owe nada to nooooooooobody and am one self bitch....

works for me

I'm proud of you Sal. :)

Yeah, there are similarities so smile and suck it up bucko. :D

Wow, well to go to school of any kind is a want of most. Truth is most or a lot can't afford it. I have a lot of friends and including myself we all had to work and go to school. Most of us had to stay at home or with family closer to our schools. For me I would have loved to have someone help me pay for school and be in a situation of not having to choose between school and if I got to eat healthy. There is a lot of good broke food that we lived on lol.
I do not regret working and going to school. I got my ECE (early childhood education), It was the best choice I made. I feel you really do appreciate what you accomplish at the end and I also owe no one.

One thing borg said that I do agree with is that I did not live on campus as I could not afford to and I lived with my cousins, but I did miss what all my other friends were doing on campus and in dorms. The only worries they had was who to go out with that weekend and what clothes to wear.

One thing here in Canada and probably in the USA is that you have grants, bursaries and scholarships that you can try for and achieve. Student loans and such are also good. What ever you choose make sure it is a decision you can be proud of and works for you and your family.

One thing borg said that I do agree with is that I did not live on campus as I could not afford to and I lived with my cousins, but I did miss what all my other friends were doing on campus and in dorms. The only worries they had was who to go out with that weekend and what clothes to wear.

My school is a commuter school... There are no dorms. :D So I don't have to worry about all the "fun"* everyone else is having.


*More like interrupted studying, no privacy, and sucky food...

Boy, does Fran have you pegged right, Overdose. She has offered good, viable suggestions and you have whined about every one.

My parents couldn't afford to send me to college so I sent myself. I found a college I could afford and went there. I used my GI Bill money and worked during school for expenses. During the summer I worked a full time job and attended a local community college to get additional credits at low cost. After two years I transferred to another reasonable school in Oak Park, Ill.. Again, I worked during school and over the summer.


You asked about my home town. Here is the latest profile.

Males: 56,265 (48.6%)
Females: 59,450 (51.4%)

Suffolk County

Median resident age: 38.4 years
New York median age: 35.9 years

Zip codes: 11787.


Estimated median household income in 2005: $95,000 (it was $80,421 in 2000)

Smithtown $95,000
New York: $49,480


Estimated median house/condo value in 2005: $553,000 (it was $248,400 in 2000)
Smithtown $553,000
New York: $258,900

Races in Smithtown:

White Non-Hispanic (92.9%)
Hispanic (3.3%)
Two or more races (0.8%)
Asian Indian (0.7%)
Chinese (0.7%)
Black (0.6%)
Other race (0.6%)

As you can see I live in a fairly wealthy town. My wife and I make far more than the median salary now that we are retired and made more than double the median when we were still working. We could easily afford to send our four children to undergrad college and grad school. We paid their tuition and school related expenses for college but made them earn the money they needed for extras. All four of our kids worked both while attending school and during vacation. All four also attended state schools, Albany, Genesseeo, Cornell, Cornell (state portion).

My wife and I told our children we would not pay for their graduate studies even though we could easily afford it. We felt paying for their own graduate studies would be a character building exercise and would help them grow into men and women who could be proud of themselves. Our daughter attended a state graduate school, C.W. Post University and attained a Master's Degree in Special Education. My oldest son attended a state graduate school, Stony Brook University and received a doctor of dentistry degree. My next oldest son attended a state school, Syracuse Medical School and got a dotor of medicine degree. My youngest decided to not go to a state school and attended Cornell Law School where he got a doctorate in law. The three oldest had graduate school bills in the area of $18,000 a year. The youngest had graduate school bills of over $40,000 a year. Each of them paid off their own loans with no help from my wife and me. Each of them is an independent adult.

I am afraid that if you don't stop whining and grow up you will never become an independent adult.

We're talking about our places of residence now? Hooray!
Chicago Community Area 16 - Irving Park
Latitude/Longitude 41°57′N, 87°43.8′W
Neighborhoods

* Irving Park
* Kilbourn Park
* Old Irving Park
* The Villa

ZIP Code parts of 60618, 60630, 60641
Area 8.37 km² (3.23 mi²)
Population (2000) 58,643 (up 16.91% from 1990)
Density 7,010.0 /km²
Demographics
White 44.2%
Black 1.91%
Hispanic 43.3%
Asian 7.44%
Other 3.15%
Median income $38,159

Hey, Borg, I lived in River Forest for two years.


Males: 5,340 (45.9%)
Females: 6,295 (54.1%)

Cook County

Median resident age: 38.6 years
Illinois median age: 34.7 years

Zip codes: 60305.


Estimated median household income in 2005: $95,200 (it was $89,284 in 2000)

River Forest $95,200
Illinois: $50,260


Estimated median house/condo value in 2005: $592,800 (it was $386,600 in 2000)
River Forest $592,800
Illinois: $183,900

Races in River Forest:

White Non-Hispanic (86.7%)
Black (4.8%)
Hispanic (4.0%)
Two or more races (1.6%)
Other race (1.0%)
Asian Indian (0.9%)
Chinese (0.8%)
Filipino (0.8%)

You realize, of course, that OD reads none of our posts because we're being ignored. Further, he can't even respond, as doing so would force him to acknowledge ignoring his own ignore list. Quite the conundrum.


:bombout:


Yeeees, painted himself right into the corner he did. hahah

*and ya know he reads them.

Well, looky there, he didn't respond to F. de Marzipan. Betcha she's on the list to now.
Kids these days.

Boy, does Fran have you pegged right, Overdose. She has offered good, viable suggestions and you have whined about every one.
What I don't understand is why she offered any suggestions when I didn't want, need or ask for any.

I'm going to a State University to get the experience and leave home because I feel it is time to go. If I can afford it and make it work, why should I settle for anything less? It is my college experience, and if I, along with my parents, are willing to pay the extra money for the college I want to go to, why should I be made to feel bad about going?

Regardless, her suggestions were bad ones. Sorry to say.

You asked about my home town. Here is the latest profile.
The 95,000 is an estimate for 2005. :rolleyes:

Both cities have wealthy families and are above both their state and the national median income. But if you really want to play the numbers game...(since you seem to think Lake Oswego isn't as rich as I made it out to seem).

The median family income for Smithtown in 2000 is 87,335.
The median family income for Lake Oswego in 2000 is 94,587 (I wonder what it will be in 2005....)

Source: http://factfinder.census.gov/home/saff/main.html?_lang=en (official site)

Oh, and just for fun, Lake Oswego has 97.7% of its citizens being a high school graduate or higher, and 62% have a bachelor's degree or higher. Compared to Smithtown where 91.5% are a high school graduate or higher and ONLY 36.4% have a bachelor's degree or higher. And even with the 2005 estimates for Smithtown, Lake Oswego has higher percents from the 2000 Census Report.

So, whatever. You were the one who was all, "wow, for someone who brags about his town bla bla bla"...well yeah, there is a lot to brag about. Lake Oswego is higher then the state and national averages for most everything by a long shot and not only is it a great place to live, you have a lot of resources and intelligent people around you.

We paid their tuition and school related expenses for college but made them earn the money they needed for extras. All four of our kids worked both while attending school and during vacation. All four also attended state schools, Albany, Genesseeo, Cornell, Cornell (state portion).
The plan you had for your children is exactly the plan my parents have for me.

My parents are paying for my tuition and school related expenses, and I'm getting a job on campus to pay for my needed/personal expenses.

I am afraid that if you don't stop whining and grow up you will never become an independent adult.
:@@: What was I whining about...?

The 95,000 is an estimate for 2005. :rolleyes:

The median family income for Smithtown in 2000 is 87,335.
The median family income for Lake Oswego in 2000 is 94,587.

Both show both cities have wealthy families and are above both their states and national median incomes. But if you really want to play the numbers game...
Wow. Both of you live in rich towns it seems. My town had a median family income of $76,214 in 2000. Still well above the national average but your town is nearing the six figure mark, OD! Dang.

EDIT: The town where I lived in 2000 had a median income of about $60,000. Plus that town is only 50% white, with a considerable amount of immigrants and people who don't speak English at home, while the town I'm in now is about 95% white. Quite a difference!

You're right, DF. You have to look at expenses though. My property taxes on my Long Island home are over $12,000 a year and that is with a STAR and a military exemption. Electricity cost close to five thousand a year as does heating oil and I'm not even there the entire year. People have to make a lot of money to live here so the high salaries are relative.

Just about everyone in my town is a millionaire but that doesn't translate into the same thing as being a millionaire somewhere else.

You're right, DF. You have to look at expenses though. My property taxes on my Long Island home are over $12,000 a year and that is with a STAR and a military exemption. Electricity cost close to five thousand a year as does heating oil and I'm not even there the entire year. People have to make a lot of money to live here so the high salaries are relative.

Just about everyone in my town is a millionaire but that doesn't translate into the same thing as being a millionaire somewhere else.
That's true. But even in that barely above average town that I lived in, property prices were through the roof. Real estate is absolutely ridiculous around here, I believe it's one of the worst areas (with your area being probably the absolute worst :thumbs:).

Still well above the national average but your town is nearing the six figure mark, OD! Dang.
Hey, I looked at CNN Money: Best Places To Live, because I remembered the Lake Oswego newspaper talking about it and the 2007 Median Family Income is now 109,549 for Lake Oswego according to CNN.

Look and see if your town is on the list. But it's pretty cool that Lake Oswego ranks 32 on the Top 100 best places to live in terms of the stats they picked.

Any other people on Allforums have their town on the list?

Source: http://money.cnn.com/magazines/moneymag/bplive/2007/snapshots/PL4140550.html

PS: Even if your town isn't on the list, you can plug it in and compare it to the Top 10 towns.

LOL I highly doubt that it's in there... I live in a small town.

A couple towns near me are on there though... In order of distance from me: Eldersburg, Olney, Elkridge, Catonsville, and Crofton. Those range from about 15 minutes away to over an hour away. Olney is the only one of those places I've actually been to. Quite nice there, although we could never afford to live there. A lot of houses there go for upwards of a million bucks!

The county where I live (I'm not in a city.... They have to pump sunshine to my house...lol)

Rich folks... all of ya.... :p

The median income for a household in the county was $36,996, and the median income for a family was $42,155. Males had a median income of $29,812 versus $23,035 for females. The per capita income for the county was $16,230.

Back on topic...

Hey, Overdose. Check out the stats on education sources in and around Lake Oswego from the Money Magazine link above:

Colleges, universities and professional schools within 30 miles = 19
Junior colleges and technical institutes within 30 miles = 10

:rolleyes:

Hey, I looked at CNN Money: Best Places To Live, because I remembered the Lake Oswego newspaper talking about it and the 2007 Median Family Income is now 109,549 for Lake Oswego according to CNN.

Look and see if your town is on the list. But it's pretty cool that Lake Oswego ranks 32 on the Top 100 best places to live in terms of the stats they picked.

Any other people on Allforums have their town on the list?

Source: http://money.cnn.com/magazines/moneymag/bplive/2007/snapshots/PL4140550.html

PS: Even if your town isn't on the list, you can plug it in and compare it to the Top 10 towns.
Chicago is the 2nd best big city, according to this.