Craziness, financing private conservatory education, and transfer student woes

This post is going to sound crazy, because it is. This said, thank you for listening, and for any input you are willing to share.

My entire life, I have aspired to a career in music. Senior year of high school, I auditioned for conservatories and got into some—but I did not have a plan myself for how I would pay for my bachelor’s degree, and did not discuss this with my parents before decision time. My parents told me, very reasonably (!), that we could not afford for me to go to any of the conservatories where I was accepted even after scholarships and aid, so I should go to the public in-state university where I had applied as a safety. Freshman year, I went to the public university, and had a great experience. My teacher there was in fact a former principal player of one of the best orchestras in the world, and the music department offered me not only nearly a full ride but also the opportunity to perform whatever concerti I learned with the university orchestra (which is fairly good for an amateur ensemble). Perhaps I just had a glowing experience because I enjoyed being the best player there, the top of the heap; perhaps it was so enlivening just because it was freshman year. Time shall say.

Nonetheless, it was still my dream to go to a conservatory, and in fact I thought I would be hopeless to have any employment in music other than maybe teaching K-12 public school if didn’t go to one of the best conservatories in the US. So freshman year, I repeated the application-audition process, and yet again got into a very good conservatory with a teacher I respect highly. My parents decided on the basis of a few factors (concern about how my earning a BA in Music Performance at the public university, which doesn’t offer BMs, would affect not only employment opportunities but the general ed/liberal arts courseload I would have to take; having sold a rental house that we managed) to help me pay to go to the conservatory where I currently study. Since then, I have spent one year at the conservatory. Overall it was a positive experience—I love my teacher, have enjoyed the high level of chamber music and orchestral playing.

This said, I experienced regular transfer student difficulties. Public university is in a different town from where I grew up in my home state; conservatory is 2000 miles across the US. I missed my teacher at public university terribly—since I was one of his only serious students, he would give me lessons for free 2 or 3 times a week if I needed extra help, and has kept in touch with me since I left. He still regularly invites me back to perform not only in orchestral and chamber music concerts when I am home for breaks, but as a soloist too. All these things are to be expected. Leaving is not easy, but it’s part of life.

Furthermore, the level of stress I experienced at the conservatory was a bit of an issue. Some of it was regular work/academic stress: of course, you all know that making it as a musician is never easy. However, I also had to lie awake in bed every night knowing that I am guilty of inflicting $50,000 loans on my parents every single year I go to conservatory. My parents, who are married, are still divided on the issue of whether or not I should go to the conservatory. Now I realize how selfish I have been to put my dreams and wants so far ahead of any practicality or even comfort of everyone else in my family. A private school education, much less in art, is an insane luxury for the 1% of all humans.

(Admittedly, the wealth and privilege of the other students at the conservatory/affiliated academic institution really bothers me sometimes. It seems that not only do the other students not understand that not everyone can just buy plane tickets or spend $400 on clothes whenever they like, but also the institution is set up so that it’s basically impossible to save money on housing, food, etc. anything within their program. $50k, the yearly cost of my tuition plus housing and dining (on-campus is mandatory for all undergrads under the age of 23), is my mom’s entire salary before taxes. It’s 1/3 of my parents’ total take-home pay.)

This summer, I have made the mistake of letting my mom see that most of my emotional ties and friendships are really at the first school I attended. I took a summer class there to get some cheap transfer credits, had lessons with my former teacher, and played chamber music with my friends there. She says that if I had such a good experience there, then I should transfer back (!) to my old school from the conservatory because it’s not worth $100,000 for me to go to a school that I like only marginally better, especially when my old teacher is an excellent pedagogue in his own right. She also said that although it might be inconvenient, I shouldn’t worry so much about the professional repercussions of leaving conservatory, because my goal is to be a university professor anyway so I’m planning on getting both an MM and a DMA, and my bachelor’s won’t matter so much then. I see her point, and in some ways kind of agree with her.

However, it is terrifying to think of actually having to go through with this. I don’t want to give up the benefits of studying at the conservatory that weren’t there at a big public university: the professional standard for students’ playing, the excellence of my peers, the competitive orchestra program. What if without the constant reinforcement of excellent students, I don’t improve or develop as good of ensemble skills at my old school?

Worst of all is having to tell my conservatory professor that, after transferring to his conservatory, I’m transferring back to my old school. He already knows about this dilemma because several months ago, my mom sent him emails without asking my permission first, causing a bit of a blowup. He thinks the idea is insane. The conservatory teacher is famous, extremely well-connected, his studio has a reputation for feeding into MM viola studios at Yale NEC Juilliard Northwestern etc. It seems like career suicide.

There are a few motivations for possibly returning to my old school that I haven’t addressed—but if at all, I was thinking of going back not to that same university but to another school locally for my master’s, as I’ll be a junior this year and that’s not far off. Should I tell my mom that I’m staying in conservatory? Or should I save myself and family a good $100,000, finish my bachelor’s with a teacher who has transformed my playing, be close to family, and get to play the major concerto repertoire for my instrument with local semi-pro and part-time orchestras?

You are not going to be able to make a lot of money after graduation. I think it is insane to take out $50K/year to fund your education. I am always for going to a “better” school, but not when you couldn’t afford it. Your parents must love you very much to have even agreed to it in the first place. The question is “would YOU take out 50K/year loans to fund your education?” If the answer is no, then you shouldn’t expect your parents to do it.

If your parents are borrowing $50k/year for 3 years it’s $150k + interest. Is your conservatory teacher going to help you repay that? If not, their opinion doesn’t matter. I’d return to the state school, especially if your parents are divided on the idea of borrowing.

First of all, I’m sorry for your dilemma. It is not an easy situation for a young person. I hope that you can reach out to BOTH of your teachers…and have a heart to heart with them…including a discussion of FINANCES.

Have you asked for more money at the conservatory? Does your conservatory teacher understand the debt that you are taking on? CAn he assist you in appealing for more money (scholarship/financial aid)? He may change his answer if he understands the full story. If not, I would consider his attitude a red flag. It’s seems highly questionable to me that any teacher would suggest that your best chance for music success also requires high debt. Most teachers and professional musicians that I know would highly recommend AGAINST that. No teacher should be difficult to approach. If he is, that is another red flag. The “adult” thing to do is be able to have open, honest communication about serious concerns (like this).

BTW…your post is not crazy. It sadly reflects the high cost of education today…and the sometimes false narrative that you can buy success…so that justifies a high tuition. You are right to question that…bc if it is false, you are left with debt. And…in your issue, even if your dreams come true, you are still left with a lot of debt. There does not seem to be a “win” with a lot of debt looming.

This is only my opinion. You have two teachers who know you well…discuss your situation and concerns (including finances) and ask for advice.

And there is an old saying that goes: Money (success) is no guarantee of happiness; however poverty (debt) is a guarantee of misery. Gamble wisely.

I think @bridgenail gave excellent advice.

Also, I think the fact that you are taking the time to post here and ask for advice, shows that you are considering going back to the state university. My own son is starting his freshman year at a jazz program at a state university. He was accepted to more prestigious schools, but even after scholarships, it was going to be over 20,000 more a year (over $80,000 total) than we had to spend. And he has a younger brother that we need to think about also. Of course he was disappointed that we could not afford the more prestigious school, but the stress you are describing, knowing how much debt your parents will go into to finance your schooling was not something he wanted. He’s only been in school a week, and he’s happy so far. It’s not perfect (but nothing is), but he’s focusing on all that he can accomplish there without us going into debt.

I think the idea of one’s dream school and having to go there is an ill-conceived myth. It is not a dream school if one has to give up financial security to do so.

Again, I think Bridgenail gave excellent advice. Would your conservatory professor think you were crazy if he knew how much debt it would take for you to stay there?

I would agree with being wary of any teacher who is critical of you for contemplating a change that would avoid paying $50k/year.

This debt will continue to put pressure on you for years. Grad school may or may not be funded. And you will have to make choices on making a living that may limit your artistic goals, unless you yourself are entirely free of the debt burden.

That said, it may be that paying the tuition now will end up saving money on grad school. Yale, for instance, is tuition free for those who get in.

I cannot judge which school would most help you develop into the player you want to be. It sounds like the opportunities from being “top of the heap,” and the interest shown you by a teacher at the state u, might compensate for some of the advantages of the conservatory.

For others reading this, there ARE state universities that offer BM’s. And there ARE conservatories/schools of music within universities that may give better financial aid than a freestanding conservatory. We don’t know where this student is attending and it may be one that only uses financial measures for aid, or one that uses merit. In either case, we just don’t know the parents actual financial standing.

If your parents can afford the conservatory- as it seems they can- I honestly think you should first decide where YOU WANT to be. You sound conflicted. I would try to put the money issue aside and decide that first.

Have a serious talk with your parents about the loan and how burdensome it is. You can state your preference clearly to them but tell them how you are feeling about the loan and the pressure it puts on you. If they tell you the loan is no problem, and you really want to stay, then do so.

Everyone needs to understand that you may not get this money back. It’s not like majoring in computer science. Is an orchestral job your goal? Many many musicians follow other paths besides orchestra these days, and many free lance. You need to feel free to follow whatever path your talent and desires lead to.

I would recommend returning to the state school (can you do that at this late date?) but I also understand it is much more complicate than that. You need to be clear on what you want, and have an honest talk with your parents. As well as the two teachers.

Let us know what you do!

Thank you all for taking the time to read about my dilemma and craft judicious feedback. Your generosity is appreciated!

I have talked to my dad more about the issue (he was not there for the initial conversation, as he was helping my younger sister move into her apartment to start school). He does not want me to consider finances an issue when making a decision; he said he wants me to choose whatever I think is best. I feel conflicted hearing this, because I would be happy both places and would have a good education at either school.

There are some sizable emotional factors influencing me to want to return to the state university. For one, I would be only 100 miles or so away from family instead of 2000 miles away. However, I do not want the emotional factors to be wholly deciding. The choice I make should be based upon what is educationally, professionally, and financially best.

My dad seems to be encouraging me to stay at the conservatory. I think he does not want it to seem like I have to sacrifice my education there. However, I think what you have all said is correct—my mom is hoping that I will pay back at very least half of the debt, and if I can I intend to pay back the debt entirely. Half would leave us both with $75k in debt, which seems horrendously unfair not to mention impossible for either party.

At this late date is it possible to return to the state university? There may be enough advantages there to outweigh the losses. It almost sounds as if you want your parents to say the conservatory is too expensive, so you can decide! It’s hard but follow what you want. The music will work out.

@compmom Thank you so much! Yes, it is possible because the university is on the quarter system. I think you are right that I want some sort of justification for returning—definitely emotionally, leaving and being at the conservatory has been difficult. Hopefully in the end the decision I make will be the best one.

In some ways, you cannot go wrong. There are arguments for both. But at the undergrad level, I do agree that avoiding substantial debt is a biggie. Good luck ! I have a feeling you are going to do well :slight_smile:

@rebeccaclarke If you would feel overall happier at your old Univ. and are worried about making your conservatory prof mad, just sit down with him and tell him that your parents’ financial situation has changed and they informed you that they can’t afford it any longer, are pulling the plug on finances and they are making you return to your prior university (Little white lie, but in my book, ok to throw your parents under the bus, so to speak - just make sure you let them know you are doing this). Before doing this, MAKE ABSOLUTELY certain there is a spot at your old place and that the finances are in order there. Good luck, let us know what you decided!