Teaching English in Japan

[cookderosa]

I know Cookderosa and several others can address the financial aid/ drop or not question better than I can..

Well you can use financial aid at TESC, but you may not need it. FA can't be used directly for exams (like CLEP) but would be used for the classes you actually take at TESC. If you price shop and transfer back (like suggested in this thread) you can probably cash flow everything. Just pay as you go.

I did use aid in my degree, but I had a Pell Grant that I really wanted to use. It was about $5000ish and I used it on classes in my major. I used a system of taking 1 student loan and rolling payments forward- using the overpayment cash to pay my exams, saved it and paid my student loan in full the day it was due. Twice as much trouble as it's worth when you are close because it adds a lot of time and schedule planning. However, I started with zero credit and wanted to take classes in my major- so that's what I did.

Now, if your real question is "can I take out a student loan at TESC for living expenses and defer my existing loan" the answer is yes, but you have to drag out your plan by a year. You'll have to add classes to your testing process, which can be a lot of juggling. However, this is the cheapest degree around. Sanantone has a degree plan for a bachelor's degree that comes in under $4000. You don't need a loan for this process.