I work full time at a hospital (3 12 hour shifts a week) but I am going to school full time. I live on my own, pay bills on my own.
My bills are as follows:
rent-450
electric-100-130
water-65
car insurance- 80
cell-105-130
cable-35
internet-20
i work 35 minutes away from home, and school is 15 minutes away, so i fill up about twice a week, spending probably 120 dollars a pay on gasoline, more if i go to my visit my parents 20 minutes away..
I am just taking prereq’s right now and I have classes every day but Friday and Sundays.. pretty much all day long.
It’s hard to work school and work together, and it’s going to get harder once nursing classes start.
Now that you have the above information, my real question is pertaining to ‘living off’ of personal student loan. I’m obviously going to try to work as much as I possibly can, possibly 2 12’s a week instead of 3, but I’d like to take a personal loan from the bank so that i’m not struggling and neglecting school. I make decent money, up to 15.50/hr on weekends, at the job i’m at now, but it is a dead end job and i don’t want to neglect school because school is the most important thing right now.
I figured up that to live comfortably, I make about 1600/month right now, that would equal out to 70,000 for 3 years.. is that even a possiblity? I’m responsible at paying things back like rent, i will go without food before i neglect to pay rent or electric or the above mentioned bills.. however i have bad credit, everything is paid off now, but i had credit cards and medical bills waaay past due, paid of now though, but ruined my credit..
Getting another job is completely out of the question, getting rid of nternet won’t help because i need it for school, cell phone is my only means of contacting work and family, so that is out of the question, adn if i discontinue cable, i’m in a 2 year contract with directtv so i would still end up paying 20/month until the contract is up. i’ve thought everything through, i just need advice from someone who has lived off student loans while in school, or knows any information.
Also, how hard would it be to get a big loan from a bank with bad credit? and no idon’t know my credit score, i just know that they won’t even give me a freaking Old Navy card because of it. ughhh. help?
My cell phone is high because I have an iPhone, also in a contract through ATT so theres not a whole lot to do with that. Unlimited texting which i use too much to get rid of, and unlimited data is required with it because of the internet.. cable, yes i could live without, but seeing as how i’m paying 35 now, if i discontinue the service, i’m still paying 20/month for 2 years as a cancellation fee.. no matter where i move i’m still far away from something. i’m somewhat in the middle right now. from my house to school, 15 minutes one way, 35 minutes the other direction to go to work, therefore it is 45-50 minutes from work to school. also, i am in a lease, i just moved last month.
Mail this post
