<p>Maliska, you do not HAVE to have health insurance, and I don’t want to pay for yours. Your children can be covered under NY’s CHIP program at least until age 18, and you and/or your husband could find work which includes health insurance as part of its compensation package. </p>
<p>You could even go to college for free in NYC. </p>
<p>so much whining…</p>
<p>it looks more like whining from everybody else. if anybody says they need help with money they ram how bad you are for it down your throat.</p>
<p>[New</a> York State Department of Health](<a href=“http://www.health.state.ny.us/nysdoh/chplus/who_is_eligible.htm]New”>http://www.health.state.ny.us/nysdoh/chplus/who_is_eligible.htm)</p>
<p>see if you qualify for free or reduced care for your children</p>
<p>If you are really poor you can get WIC.</p>
<p>Yes, 24 is young to be married with 2 kids and be wondering why you can’t afford to go to college</p>
<p>Fencersmother…we do get insurance through WORK! It costs money at work too you know. We do not qualify for any goverment programs. Please shut up and stop acting as if i did not look or try. We dont get WIC , we dont get medicare, or anythign else. WE pay for every single little thing. </p>
<p>We get health insurance at work- since it is offered, that disqualifies us from majority of programs. It would have to be not offered rather than simply be expensive in order for us to qualify for those programs. </p>
<p>And I CAN NOT GO TO COLLEGE FOR FREE- I am not even a NY State Resident. </p>
<p>We fall into that category of the supposed american middle class that can afford to pay for everything themselves.</p>
<p>24 is not young, that is normal. Having kids over 30 or 40 and wondering why we have an increased rate of genetic problems is wrong not having kids when it is age appropriate… i.e 24.</p>
<p>who is to say when is too young to have children, that is a ridiculously emotionless comment, you have NO IDEA what another person’s life is like. It seems to me that everyone is just pointing fingers saying how dare you spend my tax money how dare you have children that young when it is meaningless how another feels about the situation. She is asking for help with money, she has children no matter what age she was WHO CARES. If a woman who is 18 years old gets raped and becomes pregnant and decides to have the child because she doesn’t believe in abortion, should she then suffer for the rest of her life and have everybody against her getting help with college for some strange reason, I think not, and nobody knows anybodys situation whether good or bad so it is wrong to judge.</p>
<p>Can I ask why you are working towards a degree in and how much more do you have to go. What state are you a resident of? Can you take online classes towards your degree?</p>
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<p>I know you really want to go to school now. BUT here is an idea. You are going to have a new baby soon. You will have two young children. Why not stay home for this year and ESTABLISH New York residency? Then go to school a year from now. I know it’s not your ideal, but there are a number of financial pluses. First…you would qualify for instate tuition if you are living in NY and are a NY resident. Second, child care for children over a year old is less expensive (I know…still costly…but a little less) than for infants. In the long run, this could save you thousands of dollars.</p>
<p>“We fall into that category of the supposed american middle class that can afford to pay for everything themselves.”</p>
<p>Yeah… I think that’s what people are trying to tell you: You and almost everybody else.</p>
<p>You probably will get your EFC lowered with the second baby. The problem is that if you get in under the wire for a Pell grant, it still isn’t that much money. (I know, that’s our situation.) Not that <em>any</em> help isn’t welcome, but it’s not going to appreciably change your overall situation.</p>
<p>Good luck though.</p>
<p>(Be happy you have health benefits through work. I wish we did!)</p>
<p>“You CHOSE to marry and have 2 kids very early in life” is not the same as “too young to have children”. learn to read</p>
<p>Nobody said there is anything wrong with that. There is something wrong with ANYbody saying, “gimme”</p>
<p>You can take college classes without leaving the house. When there is a will there is a way. Some people want whatever they want. Nobody can have it all.</p>
<p>My major is applied math and stats with an acturial science focus… Guess what, i cant take classes without going to school… there is no online math degree. </p>
<p>I dont have a lot of school left, but b/c it is math courses a lot of them are consecutive so i can not afford to not attend for even one more semester</p>
<p>I have lived in NYS since 10/08 but i cant prove residency until April with my lease.</p>
<p>Every year i dont go to school costs us tens of thousands of dollars in terms of long term income. When my husbands school loans kick in we can not afford for me to not have graduated. His loans will cost us 700-900 a month, it is just not possible at all for us to have only one income. </p>
<p>Ok in any case, i already lowered my EFC so i do qualify for PELL which qulifies me for some aid, so i dont have as many issues right now as i did 15 min ago. Some aid means i will cover at least half of my tuition probably for part time study. </p>
<p>In terms of my kids and child care- my MIL will hopefully relocate and live with us and help us on her off days from work. She is a nurse so she works alternate days. I want to know exactly how many young couples are willing to live with their MIL … so yah like i said, it is not as if we arent cutting every freaking corner. If you guys think we dont eat Top Ramen you are soo wrong…</p>
<p>“Actually there was a lot of medical reasons which stated i wouldnt have kids AT ALL. So i cant really say that it was much of a choice to keep the child when being surprised by pregnancy.”</p>
<p>I can understand being surprised by kid #1. I can’t understand being surprised by kid #2.</p>
<p>I think you said your new EFC is 3600. For 1/2 time student , that will give you a Pell Grant around 900.</p>
<p>You have a lot of potential with your intended major.</p>
<p>There are some things that are your decisions and the consequences of them. Others are not. It is not your decision as to how much you owe in taxes given your income, nor is it your decision how much in financial aid you are entitled to get, if any at all. Nor is it your decision to be accepted at a college of your choice.</p>
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What an incredibly personal and innappropriate remark! Uninformed too. I have a friend who was supposed to be unable to have kids because of some medical issues and was on the pill to control some other period related issues. She got pregnant 3 times - on the pill - despite being told it was unlikely she would ever conceive. She was mighty surprised 3 times.</p>
<p>Malishka, you said on your other thread that qualifying for the Pell would make you eligible for the SMART grant. You must be enrolled full time to get the SMART.</p>
<p>With a little one and one on the way, it might not be the best time to take classes. I suggest home studying the actuarial exams. I did that many years ago, when I was your age. In the next year, you will have NYS residency and can get NYS tuition rates for tuition, so the PELL and tuition credit will take care of that.</p>
<p>As for child care, that’s a problem we’ve all had with kids. As you get to know people in the area, you can swap baby sitting. It’s going to take longer to get through school in that situation. I worked for a while, until I had my third and it was not easy. Child care is never easy. I had thought about law school, but the numbers just didn’t make the crunch with kids and responsibility. Sometimes our choices make other choices much more difficult or not possible.</p>
<p>Sueinphilly, I do use the wide tip. Also have two narrow tip ones to add a little high light and fool myself into thinking it looks more natural, LOL</p>
<p>"Yes, 24 is young to be married with 2 kids and be wondering why you can’t afford to go to college "</p>
<p>I do know how to read thank you very much…</p>
<p><<24 is not young, that is normal. Having kids over 30 or 40 and wondering why we have an increased rate of genetic problems is wrong not having kids when it is age appropriate… i.e 24.>></p>
<p>24 is young if you are going to complain about how much life costs and that the govt is expecting you to pay too much for school.</p>
<p>I have a coworker who is expecting her first child in a few weeks, she is 40. While I would not have wanted to wait that long, she and her husband own their home outright, have no debt, are in good health and have and make about 160K.</p>
<p>I would say she is in a better place than you are right now. And I can guarantee she won’t be on this board in 18 years complaining how much her EFC is and doesn’t the government know she is going to retire in a few years (as some older parents have done). She PLANNED everything out. She has been planning and saving for the past 20 years. </p>
<p>It’s all about choices.</p>
<p>Ya know, it’s hard to do it all at the same time. Malishka, I feel you, but raising two kids and going to college is tough. I side with those who suggest you stay home with the little ones and re think your school next year when you have residency. Yes, you are delaying your income earning career, but these are precious days with your children that you can never get back. School will always be there. Your kids are only young once.</p>