I graduated from a 4 year college 6 years ago and went into the teaching profession. After teaching for awhile I’ve decided to go back to school, but the problem is that the degree I’m looking into is a full time program- you can’t work. But, with the economy the way it is, my question is how do I get the money to do this and go back to school if I’ve had a full time job for the past 6 years? For example, my classes would start in the summer ‘09 full-time, but I’ll have had a full time job since Jan. 09 and I don’t think that they would give me any grants or loans from either the government or a private institution since I’ve made “x” amount of money that year. This is a 1 1/2 year program.
Is there anybody on here that is a financial aid consultant that could help me?
Just thought I’d add that this is for an associate’s degree. =)
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First you’ll have to do a FAFSA. On the FAFSA you’ll have to report how much you made. However, because your situation will change drastically, the results of the FAFSA will be misleading.
What you can do, is contact your school and inquire as to how to file a “personal judgement” or “special circumstances” form. At my institution what that means is that you’ll report that you’ll have a change in employment in 2009-2010. You’ll have to include a letter that says ‘my program is full time, i will no longer be employed, my income will be $0.’ You may also want to include a letter from your employer stating that you left your job at such and such a date–I’d ask your school if they would require that.
The form will be reviewed and should be approved. They’ll adjust your EFC to probably about 0 and then you’ll be offered the maximum amount of loans. If this is a grad program you’re going into you’ll probably be offered subsidized, unsubsidized, and a grad-PLUS loan.
Don’t worry too much; we see this situation a lot. good luck