Having to switch schools and have questions.

[lomofirefly]

I am currently attending SNHU with 6 classes left, however I have reached my maximum limit with student loans. The cost to attend SNHU is $2000 a semester and I simply cant swing that out of pocket, which tbh sucks because I have really enjoyed this school. I have tried private loans but need a cosigner and dont want to put that burden on someone I have also reached out for some scholarships and waiting to hear back.

Basically I am wondering what a good but cheaper school would be? I have did some reading up on the forums and read about Luna, a few other online community colleges but my main issue is needing some sort of payment plan.

Any help would be greatly appreciated.

[rebel100]

OMG how in the world did you manage to max out student loans??? May I ask how much you owe for a degree you didn't finish?

What exact courses do you need to complete to finish at SNHU? Maybe a CLEP or DSST? Transfer-and-Other-External-Credit-UC

[lomofirefly]

I have absolutely no idea tbh I attended a "bad school" for a semester that took $40,000 from me but it was supposed to be given back since they got into legal trouble with the actual gov and I also consolidated them so when I looked at the nslds.ed website it showed that I had an extra $23,000 taken out as well.

So basically $54,000 for a Bachelors now granted when I first started college I completely washed out but when I returned a few years later I have done good.

I have 542.164% used up and two semesters left.

$19,298- consolidated unsubsidized
$23,682 consolidated subsidized

[rebel100]

I'm not sure you will ever be free.

At any rate what classes are you missing? Most traditional schools will require 30 credits in residence (10 classes). one of the Big 3 will certainly work, but there are fee's associated with that too. I would explare every alternative to finish in place.

[lomofirefly]

Basically I have 6 classes left that are my concentration classes they are 6 classes that can differ from concentration to concentration. Im on the phone with them right now to talk more options, I may end up asking the parents for cosigner or having to put things on hold for a little while.

[jsd]

What are the six classes for your particular concentration that you need

[lomofirefly]

IT-201 Q5060 Computer Platform Technologies
LIT-229 X5732 World Mythology - yay for english electives
IT-100 Q4245 Introduction to Info Tech - boo to useless classes

I spoke to my advisor over the phone and I am good until the last 3 classes thank God that cuts down on my cost out of pocket to $3000 in all (versus the $6000) I may be able to swing that if I start saving up now.

[jsd]

Right off the bat, you can take CLEP Information Systems and Computer Applications for $80 + proctor fee (probably around $25) and SNHU transfer that in as IT-100

[rebel100]

Following the link I posted above might lead you to credit by exam that would satisfy some of the requirements.

You might also look at CSU-Pueblo and University of Idaho online independent studies classes that can be completed for around $500/course.

Beware SNHU has specific rules about transferring credit in the final 12 hours of enrollment.

[lomofirefly]

Thank you both very much I will look into those options and cross my fingers