COVID19 is real and you should wear a face mask and stay 6 feet apart from people that you don’t live with, at least until your local governor lifts the mask mandate. Now that that’s out of the way, a lot of people are opting to continue their education online this year. I also have friends’ whose first-year college kids decided to go in-person but to stay at a local community college instead of going to their dream university right away. Either way, college is a little different this year. Are you on the fence about a traditional on-campus experience or choosing one of the online universities?
First of all, most universities that are regionally accredited, no matter if the university is an online university or a traditional on-campus university, will accept federal student aid and you will have to fill out the FAFSA. I wrote a blog post about how financial aid works here.
I got my bachelors degree in-person at a state university. State universities are usually nonprofit and usually regionally accredited. I’m getting my masters degree online at an online university. This online university is also nonprofit and is regionally accredited. My roommate is getting his masters degree from a state university but his program is mostly online this year. Our online experiences are very different because our colleges have different online approaches.
Online Programs All Do Things Differently
All online universities have different approaches from one another. Do not assume all online programs are the same style. My online university doesn’t prioritize lectures. They have them, but attendance isn’t a requirement. (I know, crazy, right?) I still do as many live lectures as I can. When I can’t, there’s usually a recorded lecture for me to watch. There’s not a lot of wiggle room in my program for other classes – my program is my program and I just have to do it. My roommate has a little more leeway with his classes, but not much. He also has to go to campus one or twice a month. I’m not sure why. I don’t completely understand his program. I think he just has that “one professor” who is preferring to do his class in-person or something.
When I was getting my bachelors in-person, I had so much leeway I didn’t really know what to do half the time. One semester that messed me up pretty bad. Most of the time it was kind of nice to be able to look into different interests every now and then, though.
You’ll Need To Figure Out Your Study Habits
You’ll need to figure out how to study best based on your program style. When I was doing in-person classes, generally I just did the reading and went to class and didn’t study much. The lectures were helpful. The discussions were even more helpful. I could ask questions in-person and get an answer with a face that came with emotion.
In my online program, I generally do the reading and watch the lectures as well. However, the lectures don’t help as much as they did when I was in-person. Also, the lectures usually aren’t really over the reading content. The lectures are more “additional information” or how to navigate certain things, or tips with the best way to approach the material in the course.
That’s fine and it still works. I have always been pretty good at reading through everything myself and making sense of the material eventually. Some people may not be very good at that.
Your Equipment Needs Will Vary
For my in-person undergraduate degree, I took notes in a Moleskine notebook. I tried a laptop every now and then but I was more at home with a notebook. For my online program, I needed a laptop. I chose a Surface Pro 7 so that I could handwrite some things with the stylus and touch screen.
Here is the laptop I bought in the ad below. Just so you know, I’m a member of the Amazon Associates Program and earn money from qualifying purchases.
Adjust Your Expectations For Social Interaction
On a much more depressing note, there is hardly any social interaction in my online program. A few of us made a little Slack group and we complain about classes and keep up with each other in that, but that’s about it. My graduate advisor calls me every week and makes sure I’m doing alright. I can always reach out if I need to. My roommate’s online program has more social interaction because his lectures are more designed to replace in-person classes.
Some Online Universities Let You Accelerate Your Classes
On much more happy note, I find I’m getting through the material a little faster since my program doesn’t prioritize traditional lectures. Western Governor’s University is “competency-based”. To them, that means if I pass the assessments, I get credit for the class. The amount of time I spend in a class isn’t weighted at all. A month and a half into my program, I’ve essentially completed an entire semester of full-time graduate classes. (Full-time for graduate students is 9 credit hours.) The classes are getting harder as they go, though. It’s looking like I might get done with my program in a year instead of 2 years. Not all online universities are competency-based. In fact, they’re quite rare and are a newer idea.
Be aware that the phrase “accelerating” is generally for marketing purposes. There’s no real set standard for “accelerating”. All universities handle it differently. What one university considers accelerating won’t necessarily be what another one considers it to be. Sometimes universities may also use other terms in its place, like “fast-tracking”. Don’t choose your school based on the advertising of accelerating. Plan on the program taking you the normal amount of time: 4 years for an undergraduate degree, 2 years for a masters degree, 3 years or more for a PhD.
Online Universities Work Well For Some People
In some ways I would have preferred an in-person on-campus program, but then again I’m not sure what I benefited from with my in-person program for my English degree. I still got lost in the shuffle as an older student and didn’t get to take advantage of many of the on-campus opportunities. I think that has more to do with my personality than my age.
What’s more important than online vs in-person is the school’s accreditation and if they are nonprofit or for profit. I do not have experience with for-profit universities and don’t know much about them. For profit universities aren’t inherently evil in theory, though, so as long as you do your research on your program and you’re okay its accreditation status, you will probably be okay.
You can ask current and former students about their programs at all the universities that interest you. If you’re getting your masters degree, I would double check with any future PhD programs you are specifically interested in to make sure they will accept your degree from your master’s program when applying. Most of the time, PhD programs like working with you as long as your program is accredited and you can product some sort of transcript showcasing at least a 3.0 GPA, or the equivalent of a 3.0 GPA.
I’m Looking Into In-Person State Universities for my PhD
I’m personally looking into in-person PhD programs at state universities instead of online PhD programs at online universities. I like getting MBA online, but I want experience teaching while I get my PhD, which is something you will miss out on in most online masters and PhD programs.
Do I prefer in-person or online universities? Personally, I still recommend in-person programs for your undergraduate degree. They force you out of your shell a little and better prepare you for bureaucracy you’ll experience out there in the real world. For masters programs, online classes or online universities can really make things easier and less stressful for you if you’re the right person for them. You will, however, miss out on some networking benefits and teaching experience.
I’d love to do a comparison of the undergraduate level and the graduate level. Unfortunately, my programs are so different there’s really not a good and fair way to do it. This blog post is probably all I’ll be able to give you about it for now.
Is there anything you would like to know about online universities or in-person universities? Or is there anything else you’d like to know about college? All I have is my experience in my programs, but I’m happy to share. Leave a comment below if you have more questions or want me to blog about anything else.
I didn’t know how college worked when I was in high school.
I didn’t know how financial aid worked for college, I just knew that I didn’t have $5,000 for tuition that first semester and I knew that my grandmother didn’t. There may be some people who don’t know how financial aid works in college, so I wanted to put this out there.
I’m a non-traditional student. I started my undergrad when I was 25 and finished when I was 30. I’m in a masters program now. When I was in high school, I was in a low-income household. I lived with my grandmother and cousins. We moved around a lot and there wasn’t a lot of talk about college other than “I’m sure you’ll get a scholarship” because I was smart or some other blanket statement like that. I actually enrolled at a university when I was 18, but I didn’t go because I still owed about $3,000 tuition after scholarships and got a job back home instead.
Money shouldn’t be a barrier to education.
This is slightly embarrassing of me to admit, I suppose. It’s super easy to get student loans if finances are a barrier. But, when you’re in a low-income household, words like “loans” have a very negative connotation and you learn not to like that. Now they have things like “entrance counseling” when you get loans to help you and your parents better understand student loans. Some people may laugh at the idea of clicking through the entrance counseling sessions when they enroll, but entrance counseling is definitely there for a reason.
Now listen up, fellow low-income households, because this is important. If you really don’t have the money for tuition and you really can’t get it any other way, check the student loans box on your FAFSA. In this blog post, I’m going to walk you through the process of getting student loans. While some of those other people who had parents who were in a financial place to understand college and student loans, and to put their kids in proper learning situations about it, we’re not in that place and that’s okay.
(I’m not a financial aid counselor or financial advisor – this is all based on my personal experience with college and student loans. Different universities may do things differently from what I experienced.)
How Financial Aid Works
First, let me say that I assume things because I was in a low-income household and these were my assumptions. I’m a white cis male. I’m gay, but I don’t know what that would’ve changed about my financial situation growing up. I was a relatively good student, I got As and Bs, I was in band and other extracurricular programs, and I had access to the internet. Despite those things, I still didn’t understand how to pay for college. While there are probably (hopefully) students in low-income households that do have an understanding of how financial aid works, there still may be students that don’t. Even with guidance counselors calling them into their office every 5 minutes coaching them on the subject, or guidance counselors reaching out about financial aid at universities on behalf of the student like mine did, some students still may not understand.
Loans are scary and carry a negative connotation.
If you’re in a low-income household, your understanding of loans is probably influenced by assumptions of high interest rates, picky banks and financial managers, and late payment worries. You’re also probably worried about credit and your parents credit scores.
You’ll be happy to know that federal student loans do not depend on, nor do they even look at you or your parents’ credit scores. If you want them, you will get them. Federal student loans also have a relatively low interest rate compared to standard loans. While this doesn’t much ease the worry of having to pay the student loans back after graduating, having to pay student loans isn’t the end of the world. There are income-driven repayment plans, and law-makers are currently talking about and looking into higher education financial reform.
“If you really don’t have the money for tuition and you really can’t get it any other way, check the student loans box on your FAFSA.“
If you are under the age of 24, you are an dependent student and the income information you provide will be your parents’ income information when you or your parents fill out the FAFSA. This doesn’t mean that the government scrutinizes your parents for their past credit history or current net-worth. It’s also important to note that the federal student loans are your loans, not your parents loans. However, your parents will be able file them with their taxes and claim any tax credits and deduct student loan interest on their taxes.
Your parents may be able to take out a Parent Plus Loan, which is not the same thing as your federal student loans. Parents are responsible for Parent Plus Loans, and the student is responsible for federal student loans. It’s between you and your parents to decide if it’s better for you or them to take out loans. Sometimes a combination of both is needed.
If you are over the age of 24, you are an independent student when you fill out the FAFSA. The loans are in your name and you are responsible for the loans. As an independent student, you are also eligible for more grants. Grants are money that you do not have to pay back. It’s not impossible for dependent students to qualify for some grants. However, they generally won’t qualify for as many as independent students. Students under 24 tend to at least get some support from their parents.
If you are really struggling and you find that enrolling in college right after high school isn’t a good fit for you, it may be easier to wait until you are 24. You still may need some loans depending on your income status by then. However, you will usually get more grants with your financial aid package that you won’t have to pay back. (Now, in 2020, these loans are called Pell Grants. Higher Education is always changing. The exact grants may be something different by the time you are 24, or they may not exist.)
What Age To Go To College
The longer you wait to go to college, the more you will not feel like going to college in general. And, hey, sometimes, if you end up in a good job and have a lot of interesting things going on, you may not need college. But, despite what some say about college not being indicative of actual skill, education does put you in a better position in some organizations when management is considering current employees during succession planning and promotions. Knowledge is also an important factor in the concept of while-brain learning. Whole-brain learning is a framework for describing what happens with experienced employees and managers vs knowledgeable employees and managers for given situations that arise during the work day. (More on this in another blog post a little later.)
I waited until I was 25 years old to start college. Looking back, I would have rather gone to college when I was 18. I would have had an easier time socially. There wouldn’t have been so much on my plate as an adult student. I might not have struggled financially as much.
“If you are really struggling and you find that enrolling in college right after high school isn’t a good fit for you, it may be easier to wait until you are 24.”
What Is The FAFSA?
The FAFSA is the Federal Application for Federal Student Aid. It’s found at https://www.studentaid.gov, and is a part of the US Department of Education. The FAFSA is free to fill out. Do not let anyone charge you money for filling it out. Be mindful and careful of the website you are on when filling it out. If it’s not a government extension (.gov), you are in the wrong place. Colleges and universities require all students (or their parents) submit the FAFSA. On the FAFSA, you or your parents provide income and tax information, demographic information, interests in types of aid (including grants, work study, and student loans), and what your housing plans are, and which colleges/universities you are interested in.
The year you’re starting school is important for determining which FAFSA application to fill out. Generally speaking, the FAFSA becomes available to fill out around October this year for the next school year. School years are generally August-July. So, in October of 2020, you’ll fill out the FAFSA for 2021-2022 if you’re starting college in August of 2021. If you need to start in August of 2020, you’ll need to fill out the FAFSA for 2019-2020.
What Tax Information Do I Use For the FAFSA?
The financial information that you or your parents provide will be based on the income taxes from the prior-prior year. So for the 2021-2022 FAFSA (those starting college in August of 2021), you will use the tax information from you or your parents 2019 taxes.
It’s important to add the universities you’re interested in onto the FAFSA, even if they’re a long-shot. After filling out the FAFSA, you’ll still need to apply to the universities that you want to go to via that university’s website to get admitted to the university, however you don’t have to get admitted just to see how much aid you’ll receive.
What Happens with Financial Aid Behind The Scenes?
Now, here’s where many low-income households lose sight of what happens next. The universities will look at the income from you or your parents’ tax information. The college will compare it to their own tuition costs, room and board costs, and fees. You will receive an offer of financial aid packages from the universities that you’re interested in. This award offer will be based on how much it costs to attend. How much it costs to attend includes tuition, rent for the semester on or off campus, meal plans, and books.
Your financial aid package award offer could be a mixture of grants, student loans, scholarships, and other financial sources. Generally, the student loan amounts that you’ll be eligible for will depend on what other financial aid you have and how much you still need to cover that university’s estimated cost of attendance. If you do not take out student loans, you will need to pay out of pocket for the parts of tuition, rent, books, and equipment that the grants or scholarships didn’t pay.
When Do You Get Your Financial Aid Money?
Another important thing to remember is that the universities will receive that grants, scholarships, and student loan money first. This process is pretty automated from the perspective of the student. The student or parent doesn’t do much except declare how many loans to take out and complete entrance counseling. Once your tuition and other fees are paid after the university receives the loans and scholarships, you or your parents will receive what financial aid is left over in a reimbursement check or deposit. You will then have that money to keep to pay for things like food, rent, and other necessities.
The FAFSA is free to fill out. Do not let anyone charge you money for filling it out. Be mindful and careful of the website you are on when filling it out.
Surviving On Financial Aid
You probably won’t be able to live off of just your financial aid reimbursement comfortably. I recommend getting a job on campus, in addition to a part-time job off campus a few days a week. This way, you don’t have to completely rely on your financial aid money. Your on-campus job will provide you with only a small amount of income. But, you’ll be allowed to work on school work in your downtime. When job hunting, you should take into account the time you will need to study and complete your particular program. Studying time will cut into your time for other sources of income, so plan accordingly.
Also, a lot of universities require students to buy a meal plan. They usually list this as a fee with your tuition and charges and charge it with tuition. Some universities will waive the meal plan requirement for independent students, or only require a smaller meal plan for those students. Either way, fighting it is mostly useless. Most of the time, meal plan funds have an expiration date. Sometimes the meal plan money on your account will roll over from fall to spring, but expire after the spring. Keep this in mind when budgeting food and expenses.
What About the Summer Months?
Your financial aid is not really designed to support you during the summer. The aid refund you receive will only be enough to help support you for the months you are having classes. If you have to pay rent, you will need income at least for the summer. You can try save for it throughout the fall and spring, or you can get a summer job. I recommend a job off campus for the summer, even if you keep working on campus during the summer.
You will also need food for the summer and you probably won’t have a meal plan. I also recommend buying a lot of tuna and spaghetti. You can also make a lot of stuff with eggs, bread, and milk.
Decide Early If You Will Live With Your Parents or By Yourself in the Summer
Just remember that you will have to budget for the summer months. This income could be from a summer job, income from a blog or internet venture, or from driving for Uber. If you can’t find summer income, you may need to go back home and live with your parents. For some in low-income families, this is an issue. You may not have a good life back home and not want to go back. This is something that will be on many financial aid counselors radars. Something else to keep in mind is the education gap when you return home. Communication can be more difficult. Your education is a career in thinking critically. Sometimes people back home find this threatening. Try not to start arguments.
Paying Back Your Loans
A few months after receiving your first student loan, you’ll hear from a student loan servicer. A student loan servicer is a company that buys your student loans from the government.
This is the tricky part because this is technically the phase I’m in right now. After 6 months of being unenrolled less than part-time, you will enter repayment on your student loans. There’s no real guaranteed way around it except staying in college. If you take a break for 6 months or more, you will have to start paying back student loans. If you graduate with your bachelors and wait longer than 6 months to enroll in a graduate program, you will have to start paying back your student loans.
I’m in grad school 3 years after graduating with my undergraduate degree. 6 months after I graduated with my BA, I started having to make payments. My income is low so I have one of the income-driven repayment plans.
Student Loan Servicers Have Different Policies When It Comes To Going Back To College
Now that I’m in graduate school, my student loan servicer stopped requiring payments. This was a surprise. Even though I was able to stop payments by enrolling in grad school, starting grad school once in repayment is not a guaranteed way to get out repayment. It completely depends on your particular student loan servicer and their policies. There’s no law that says they have to stop forcing you make payments once you enter repayment. Again, laws and circumstances are always changing. Who knows what the future will be like, especially if higher education reform does take place soon.
If I didn’t take out student loans, I wouldn’t have been able to go to college.
So, that’s the basics of financial aid. This is all based on my experience as a student. I don’t work for the US department of education. I’m not a financial advisor or a financial aid advisor for any university. There are things that I didn’t discuss, like some degrees and jobs after college making you eligible for student loan forgiveness. I didn’t go that route so I’m not as familiar with those situations. I just wanted to make people aware of the possibilities of being able to afford college, especially for those in low-income households. If I didn’t take out student loans, I would not have been able to go to college. This post may evolve over time as I learn more specific information, or as higher education reform takes place.
Comment and Let Me Know If This Helped
Leave a comment below if this was helpful to you at all. Were you ruling college out because of your family’s income situation? Don’t. Education is not prioritized enough. In my particular state, Kentucky, the low education rankings are really starting to show in politics and in our leadership. I know everyone says this, but it’s true; you’re education is an investment in your future. It’s also an investment in everyone else’s future. I’ll be blogging a bit more about college in the future. I believe education is important. I’ll also be sharing tips and info about college life, especially as an adult student. I’m also in the Amazon Associate Program so I figure that’s how I’ll monetize some of these blogs. I’ll recommend products that may help out new students. I earn from qualifying purchases with the ads affiliate links that I include in my posts.
I will also earn from qualifying purchases with the ad below.
To be completely honest, I applied for grad school without really thinking about what my life would be like for the next 2 years if I kept my full-time job. I remember as an undergrad I had issues juggling campus life and work and finances. Fast forward to now: my graduate program is mostly online, and I work 40 hours a week at a law firm. It seems like it’s going to work out this time, but it’s still going to be rough.
My day is pretty busy.
Waking up sometime between 6:30am-7am to feed the dog and take a shower (if I didn’t take a shower before bed last night)
Biking to work at some point between 7:30am-8am
Biking home from the office and cooking dinner sometime between 5:30pm-6pm
Taking the dog out
Eating dinner at some point between 6pm-6:30pm
Spending 30 minutes doing whatever
Studying from 7pm-9pm
Doing any household work, laundry, dishes, dog walking, cleaning by 11am
Going to bed at 11pm and waking up at some point between 6:30am-7am
Doable? Yes. Awful? Well, not ideal. I still have my weekends free from the day job, but I also study and attend lectures and webinars, too.
The trick, I think, is going to be finding time to go out and do something a little fun and interesting so I don’t go completely crazy over the next two years.
No Time For A Second Part-Time Job Anymore
I usually try to do a part-time gig-economy type job on occasion to keep some extra money around. That hasn’t been super doable since classes started. To stay comfortable, I took out some student loans so that I don’t end up in a “situation”. I already borrowed a crap ton during my time as an undergrad, but I guess we have to do what we have to do these days. I probably won’t get a raise this year at work because of COVID19. No job is ever 100% guaranteed, either. If something happens and I lose my job, I’ll need to be able to continue with my classes and stay on track. Hopefully after I get my master’s degree it’ll put me on a better track to earn around $50,000 a year more easily. Stuff’s expensive and I’d like to be able to contribute to whatever my future boyfriend and I decide to do with our lives together, like buy a house. (By the way, in theory I’ll be 35 when I’m done with my masters, so the clock is ticking, guys. I won’t be waiting around forever.)
I’m Switching Back to Office 365 To Stay Organized
For the last few years, I’ve been meddling in Linux, Google Drive, and other tools. That trend is now over. I’ve completely switched back over to Microsoft Windows 10 and am back in Office 365 with Outlook and OneNote. I’m even writing this blog post in Microsoft Word, because I don’t trust that I’ll backup my blog posts via the WordPress backup options often enough. When did I write that blog post where I complained about how busy I’d be when I started grad school? No problem. Let me check my OneDrive real quick.
I’m way over-organizing my life with Excel spreadsheets and telling people to fuck right off if they can’t accommodate a 30-minute gap between my activities. I also reserve the right to stop mid-conversation and check my notes for anything and everything. Are you worried about what am I writing down while we’re talking? Well, don’t.
My BA is in English, but I’m Getting My Master of Business Administration
There is also the possibility of a hurdle that I’ll be facing constantly – the fact that my undergraduate degree is a liberal arts degree and my graduate degree will be in business. Math is also not exactly my strong suit. I can study it okay and do alright most of the time, but it’s not my forte at all. What if I just literally like, can’t, even?
I did some research and apparently a lot of people go into an MBA program after getting an English degree. But also, the graduation rate for most MBA programs I’ve looked into is about 20%. That’s awfully low and I wonder if there is a correlation? Well, of course there is a correlation because I just pointed it out. I suppose I wonder if there is causation. I’m not one to give up on stuff that I’m spending a lot of money on, but those numbers don’t exactly instill me with confidence. I confess, I didn’t really look into the graduation rate of other master’s degrees, except for MFA programs, which tend to vary widely from what I could find. (I mean when you accept 12 students a year [sometimes every 2 years], surely more than 2.5 of them graduate? I also wonder which half of the one MFA student got through the program and which half didn’t.)
So Why Am I Making It Harder on Myself?
Well, I really don’t know. To make more money, I guess. Or to at least help make myself more confident when I go to job interviews? I’d also like to open the door to a doctorate in something interesting in the future. Or maybe just to be able to say that I have a master’s degree.
More thoughts on stuff as they come.
I tweet shorter thoughts from time-to-time on my Twitter. You can also follow me on Instagram.
Let me back up a little bit. I used to have a lot of other blog posts on this website, but they’ve all been deleted because I forgot to pay my web hosting bill once. Okay, I guess that’s not entirely true – that would’ve been easily recoverable. I’m not even really sure what happened. I was redoing my website after it was down for a few months and could’ve sworn I had a backup. Turns out I didn’t, or I can’t find it. But no big deal. Here’s the summary of every blog post that was on this blog since 2014:
My name is Eric Shay Howard. I currently live in Louisville, Kentucky. I’m gay and hopelessly single and in my 30s. I was a late bloomer. I have my Bachelors in English from the University of Louisville. I graduated with my BA degree when I was 30 in 2017. I blogged about campus life as an adult student for the 5 years I was on campus. I complained about all the guys just wanting to hook up with me on Grindr. On campus I got lost in the shuffle a lot, but I pushed through it and did the stuff I needed to do anyway.
I started a literary magazine my last semester at UofL. I edited it for 2.5 years, then I got busy with a full time job and had to put it on the back burner.
I have a short fiction collection called Crushes available on Amazon.
My full time job is at a big company and I work downtown. In June of 2020, I got admitted to Western Governors University for my Masters in Business Administration. I figure I better do it now while I still kind of feel like it.
Last year, I pushed the buttons to setup a Facebook page and a Linkedin page for a nonprofit I want to start that will help people with their personal transportation problems. It’s still in the seed money stages. I feel that Electric Scooter laws in many states need to be refined to allow people without driver’s licenses to operate them legally if they don’t go over 20 miles an hour. Many lower income groups don’t have a car and many people with disabilities can’t obtain a driver’s license, and bicycles are not a solution that works for all.
I like short fiction, photography, and coffee. I’ll probably mostly be blogging about my life as a grad student in an online program while also working a full time job. I will probably complain a lot. Occasionally I’ll take some photos. I like doing street photography.
Here’s a photo of me.
See you all in a week or so. You can follow me on Twitter and Instagram, like my page on Facebook, or subscribe to my YouTube channel.
Update: I found an older backup, and luckily I didn’t post too much in between then and now, so I’m only missing a few posts that weren’t really anything important anyway.