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publius2k4 Wrote:For most government jobs, cost isn't so much of an issue. Most government employees can have their loan balance forgiven after 10 years of on time payments....and the payments are based on income. So say a student earns an MBA and has $50,000 in student loans: Their monthly payment is around $100 per month (based on $30k annual salary). After 10 years, they would have paid $12k, and the remaining $38k would be forgiven. I know this is not an option for most people, but it is something to think about.
Yes, that's how I plan to pay off my debt.  But seriously, you have to make sure that you work for the government or a non-profit organization for 10 years while making 120 consecutive payments. If you ever leave and end up at a private organization, then you have to start all over.
Graduate of Not VUL or ENEB
MS, MSS and Graduate Cert
AAS, AS, BA, and BS
CLEP
Intro Psych 70, US His I 64, Intro Soc 63, Intro Edu Psych 70, A&I Lit 64, Bio 68, Prin Man 69, Prin Mar 68
DSST
Life Dev Psych 62, Fund Coun 68, Intro Comp 469, Intro Astr 56, Env & Hum 70, HTYH 456, MIS 451, Prin Sup 453, HRM 62, Bus Eth 458
ALEKS
Int Alg, Coll Alg
TEEX
4 credits
TECEP
Fed Inc Tax, Sci of Nutr, Micro, Strat Man, Med Term, Pub Relations
CSU
Sys Analysis & Design, Programming, Cyber
SL
Intro to Comm, Microbio, Acc I
Uexcel
A&P
Davar
Macro, Intro to Fin, Man Acc
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The conservative tax payer in me really doesn't like the incentive for people to work for the gubmint or non-profit to get a windfall paid for by my tax dollars.
I wish that option did not exist.
BSBA CIS from TESC, BA Natural Science/Math from TESC
MBA Applied Computer Science from NCU
Enrolled at NCU in the PhD Applied Computer Science
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ryoder Wrote:The conservative tax payer in me really doesn't like the incentive for people to work for the gubmint or non-profit to get a windfall paid for by my tax dollars.
I wish that option did not exist. Most conservative tax payers I know have no compunction taking advantage of such opportunities when it serves their interests... just sayin' 
To date: Transferred 60 credits in from B&M colleges, earned 57 credits by examination in 6 mos, aced the capstone to earn a BA in Psychology.
Earned: BA in Psychology, 2014 - TESC
Current Goal: BSBA in General Management, 2014 - TESC
Future Goal: MA in Counseling - TBD
3/6/13 - 12/22/13:
Substance Abuse: 464
Fundamentals of Counseling: 72
General Anthropology: 67
Organizational Behavior: 68
Intro to World Religions: 440
Art of the Western World: 60
Humanities: 56
Abnormal Psychology: A
Analyzing and Interpreting Literature: 68
Western Civilization I: Ancient Near East to 1648: 54
Human Growth and Development: 66
Principles of Macroeconomics: 67
College Comp: 50 (dupes English 101)
Intro to Statistics ALEKS
Research Methods In Psychology: A
Social Psychology: A
Intro to Educational Psychology: 71
TESC LIB-495 Capstone: A (4.0)
Principles of Management 70
Introductory Business Law 68
Ethics in America 463
Business Ethics & Society 462
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If it is there then go ahead and take it. I don't like $7500 government tax credits for people buying electric vehicles either. I would lobby against that. But if it is there then go ahead and take it because you and your family are paying for it anyway.
BSBA CIS from TESC, BA Natural Science/Math from TESC
MBA Applied Computer Science from NCU
Enrolled at NCU in the PhD Applied Computer Science
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ryoder Wrote:If it is there then go ahead and take it. I don't like $7500 government tax credits for people buying electric vehicles either. I would lobby against that. But if it is there then go ahead and take it because you and your family are paying for it anyway.
Have you ever received a subsidized student loan? If so, then you received help from the "gubmint." Even though you weren't in-state, you completed two degrees at a college that's subsidized by New Jersey taxpayers.
Graduate of Not VUL or ENEB
MS, MSS and Graduate Cert
AAS, AS, BA, and BS
CLEP
Intro Psych 70, US His I 64, Intro Soc 63, Intro Edu Psych 70, A&I Lit 64, Bio 68, Prin Man 69, Prin Mar 68
DSST
Life Dev Psych 62, Fund Coun 68, Intro Comp 469, Intro Astr 56, Env & Hum 70, HTYH 456, MIS 451, Prin Sup 453, HRM 62, Bus Eth 458
ALEKS
Int Alg, Coll Alg
TEEX
4 credits
TECEP
Fed Inc Tax, Sci of Nutr, Micro, Strat Man, Med Term, Pub Relations
CSU
Sys Analysis & Design, Programming, Cyber
SL
Intro to Comm, Microbio, Acc I
Uexcel
A&P
Davar
Macro, Intro to Fin, Man Acc
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sanantone Wrote:Have you ever received a subsidized student loan? If so, then you received help from the "gubmint." Even though you weren't in-state, you completed two degrees at a college that's subsidized by New Jersey taxpayers. Not to mention gasoline is heavily subsidized by the "gubmint". I'm surprised how many people I have encountered who do not realize this.
To date: Transferred 60 credits in from B&M colleges, earned 57 credits by examination in 6 mos, aced the capstone to earn a BA in Psychology.
Earned: BA in Psychology, 2014 - TESC
Current Goal: BSBA in General Management, 2014 - TESC
Future Goal: MA in Counseling - TBD
3/6/13 - 12/22/13:
Substance Abuse: 464
Fundamentals of Counseling: 72
General Anthropology: 67
Organizational Behavior: 68
Intro to World Religions: 440
Art of the Western World: 60
Humanities: 56
Abnormal Psychology: A
Analyzing and Interpreting Literature: 68
Western Civilization I: Ancient Near East to 1648: 54
Human Growth and Development: 66
Principles of Macroeconomics: 67
College Comp: 50 (dupes English 101)
Intro to Statistics ALEKS
Research Methods In Psychology: A
Social Psychology: A
Intro to Educational Psychology: 71
TESC LIB-495 Capstone: A (4.0)
Principles of Management 70
Introductory Business Law 68
Ethics in America 463
Business Ethics & Society 462
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I graduated from a B&M school in Burbank, CA with a MA in Organizational Leadership in one year. Woodbury University's program is done in person, although one class was done online. Classes are one night a week for five weeks. You get five weeks off around the holidays. No other breaks but only one class at a time. The program was and I believe still is half the cost of other graduate programs there because they have some off site cohorts through local government agencies. Total cost was about 15,000 for tuition. I finished my Bachelor's from Excelsior in May 2012 and started graduate school at Woodbury August 2012 and graduated August 2013.
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