Advice on a job situation and transferring

Paying for College
1

<p>I need some advice from parents. </p>

<p>First is regarding a job. Long story short, during the interview for my job that I have this fall I was asked how long I was willing to stay with the department. This was a big factor in her decision. I said all 4 years, and I was hoping to get hours during break. Now because of financial concerns I may have to transfer out especially if I wish to go to graduate school. Do I have an obligation to call the employer and tell her this? I don't know if I will for sure be transferring. It's still up in the air. The reason she asked how long I would be willing to stay is because training was time consuming. I only will be working 12 hours in between classes this fall, but it can be increased if I want. I do need a job this fall, and I'm worried if I called her I would lose the job.</p>

<p>Second part. Sorry for the length in this part. How do I bring the issue up about transferring to my parents? I haven't even been to classes yet. I'm not transferring because I don't like the place, but because I don't like the amount of loans I'm going to be taking out. I just realized that when my parents where denied their PLUS. I'm taking out the 5,500 allowed for freshman, 1,500 Perkins, and now an additional 2,500 in unsub. Nearly 10,000 when added up. If I continue at this school I would probably have to take out that amount each year. I don't want to graduate with 40,000 in loans. I did want to apply to a 2 year school, but my mom said no. I didn't argue with her than and I should've. I have already talked to my dad and he isn't understanding that after this year I will be only asked to take out more loans. With my sister graduating in either 2012 Winter, or 2013 Spring. My dad just got a full time job, although he is putting in year and then he might try to get a new job. My mom is suppose to graduate next summer, or fall and she will be able to get a better paying job if she passes her national exam. This means I will lose part of the 6,000 in grants I received. I understand perfectly well that they will be asked to pay more, but I know my parents can only contribute by PLUS loan if they can the financial problem fixed. I still view the PLUS as my responsibility to pay.</p>

<p>I know that not going this year would be best, but I've already taken a 3 credit course this summer. So I would probably be considered a transfer at most schools, expect I know there is some that have less than 12 credits means your a first time applicant. I can't attend any privates regardless of merit or not. I will be attending school this fall because my mom, and I aren't on good terms. I need to have a break from her, and even my aunts told me this. I will be transferring to the 4 year public near my house. To be honest I don't like the location the 4 year is at, but sometimes you have to go where you have to go. If it matters right now I'm thinking physical therapy, which is where graduate school comes into play. I'm in a freshman interest group this year that helps find majors, and careers so it may change. I do plan on running the loan repayment calculator, and showing them.</p>

<p>Thanks for the advice in advanced. I was told not to worry by my dad, but I'm worried. I don't think he took me seriously when I told him I was thinking of transferring already. To them what I major in will play a big factor. I told him I would wait and see, but I seriously think transferring would be my best financial decision.</p>

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<p>You have no more obligation to notify your employer than they do to you. It is a general courtesy, in spite of the fact most jobs can sack you with about a 1 minute warning, to give the employer 2 weeks notice. Work hard, but don’t jeopardize your job by being too forthright with details of things that might or might not happen–the reality is that you may not transfer in a year or two years or at all. Two weeks notice.</p>

<p>Your whole transfer “plan” sounds a bit like a mess. Is there a 4 year option (even if that is a 2 year college followed by finishing at a 4 year college) that is for certain cheaper than the 10K a year in loans? You are talking about privates, and as a transfer student, even with good aid, you aren’t very likely to get through it without a bunch of loans. </p>

<p>Your name is on the bottom line of the loans, so you need to worry about them.</p>

3

<p>Yes there a 4 year school, and a 2 year school by my house. Tuition at the 4 year near my house is more than the one I’m attending by about $400 dollars. Seeing how I would be commuting it would still be a better option. I could attend the 2 year, but seeing how I’m going to school this fall I would probably have a year there. I could see going from a 4 year to a 2 year and than back to a different 4 year becoming a huge mess in terms of credits transferring etc. Although credits are suppose to transfer over because all the campuses are connected under one system, and according to the 2 year website I’m guaranteed to transfer to the 4 year of my choice. I honestly would prefer going to the 2 year school for a year, and than transfer. Like I said before I wanted to apply to the 2 year, but my mom wasn’t happy with that. </p>

<p>I have no intention to transfer into a private. It would still be to much loans for my comfort level. I just need to figure out a way to tell this to my parents with them understanding where I’m coming from. As I said before they are not totally clueless, but my mom will need more than telling her it’s too expensive. She needs a reason such has my major is no longer there. I’m hoping that by winter I will be able to say I’m declaring in the pre physical therapy route, which I could than use the cost of the graduate program as a reason to transfer. She is probably also worried that I won’t make friends, or go out with friends once I transfer.</p>