I have a few grants, some scholarships, and the Excelsior Scholarship. I pay for nothing but books, however the Excelsior Scholarship definitely needs to be a little more transparent with its requirements. I didn’t have an issue with it at first but then they didn’t want to give me the scholarship even after I qualified and was accepted for it because I had 9 credits on my transcript from a school I used to go to. 

There, I paid out of pocket for everything and it was too expensive. I had to budget a lot of things out of my shopping list and even went on a diet due to my school expenses while at my last school. I was considering taking out loans before the Excelsior Scholarship came around because I was literally putting my health at risk by not wasting money that could go into school. College is a necessity. There is no reason for it to be treated like it’s a luxury when we have western countries being just as successful as we are.

I’m a student in the Human Service field, I feel forced to take out loans because my mother is the only other person helping me pay for my education and she is a single mother.

While I was at my 2-year school, both of my parents ended up paying for half of my tuition while I worked my brains out and paid for the other half myself.  My mom can’t help me out anymore because of the tuition hikes, which forced me to take out loans in the middle of the semester to cover the tuition.  It’s not ideal but it’s better than dropping out.  

Well, in general CUNY and SUNY tuition hikes are detrimental to lower class students who rely on the lower tuition for their advanced education. Because of the hikes, students are having to resort to increasingly drastic measures to make up the money.

In my case, I’ve been penny pinching since middle school so I’ve accumulated enough savings to pay through undergrad out of pocket. However the tuition (and especially the hike) has had me reassess my financial situation to see what I’ll have to cut and what I’ll have to do in order to afford it. Since on top of paying for school, I live alone and basically have been living self-sufficiently. On a side note I’m living almost exclusively on white rice to keep a monthly surplus.

I am currently a Senior.  When I decided that I wanted to major in art education I chose to come to SUNY New Paltz for their top rated art education program. Since the budget cuts it’s been nearly impossible for me to get all of the classes that I need in order to graduate. When I first transferred here there were so many more sections of classes offered. Making my schedule last semester was a nightmare because the classes I needed for my major and the classes I needed in order to fulfill my general education requirements conflicted in time slots. I had to repeat studio courses that I had already completed just to fulfill the requirements for my major. This semester I had the same experience. Not being able to take the studio courses in my concentration negatively impacts my educational development and my ability to teach in the future. I’m paying for a quality education but due to budget cuts out of my control, my education is being compromised.

I am currently in $33,000 of student loan debt, and I’m one of the lucky ones, as I know of people whose debt far exceeds that amount. There was never an option of paying out of pocket as I, nor anyone in my family can afford the astronomically high amount it cost to attend school.

The constant rise of tuition is a serious issue for all students as it is pricing out lower income families from a higher education. Even those currently receiving the Excelsior Scholarship could lose it and be faced with this hike.

I enrolled myself in the Educational Opportunity Program (EOP) and basically, it looks at the amount of money my parents make in a year and based on that, it allows me to apply for special grants and pays off my entire tuition. It also supplies each student with money to buy textbooks each semester. Textbooks are pretty expensive and most times I wouldn’t be able to afford them without the EOP program. Also, the program provides a library of books that we can borrow from instead of buying and anyone is allowed to donate to this library. If it wasn’t for EOP, I definitely wouldn’t be in school, hands down. I wouldn’t be able to afford it at all and even if I was able to afford it, I wouldn’t be able to do it without my EOP tutors, counselors, directors and all their support.

After moving off campus, I found myself struggling a lot with affording food. I didn’t realize how hard that would be. I also found myself struggling to pay for my phone bill and other necessities. There are times where I wasn’t able to pay and I wouldn’t be able to use my phone to hear back from programs or jobs I was applying to. I’ve had to take on two jobs during my time at school. It’s kinda hard to balance work and school at the same time.

My dad takes care of the FAFSA for financial aid. He takes out the Parent-Plus Loan, as well. So, it’s all just basically financial aid and loans.  My dad lost his job when I was in high school and he was still paying off my older sister’s undergrad. And I have a twin, so they’re paying college tuition for three people at this point.

When he lost his job, it (the expenses) fell onto my mom. It was hard to figure out where I wanted to go because I couldn’t afford to go to a private school. Now my dad’s a real estate agent and my mom still has her job. If it wasn’t for loans, I wouldn’t be able to go to college. My car was bought with a loan, too. My car was paid for through a loan that my mom is still working off. My car was $20,000 and I was wondering, “Mom, why did you let me buy this?” But, she’s already paid off half of it. I love my mom, she works so hard. I pay for my own gas and I have a job. My rent and bills are paid through the loans because you can put off-campus housing on it. I can’t afford luxury items, though. Like, I need a new laptop, but I can’t buy one. I’ve had to be smart and budget.

I’ve paid for college by working and getting loans because I don’t get any assistance from the government. I take 17 credits and work almost 40 hours per week at a bar. A lot of the times, I work double shifts. This has affected my schooling a lot. I’ve missed school because I was so tired. It has been just depressing, generally.

I’ve never bought textbooks for school, either, and this is my senior year. I would ask my parents to help me out with food costs or bills if I could, but most of the time I’ve covered those expenses by working. All the remaining money is used to cover what my loans don’t cover for tuition.

I’m taking out student loans, and working. My parents covered the first couple of years. This semester, I didn’t buy all of my assigned books for class. It seemed like a good way to save money.

Because I work about 20 hours per week while taking 16 credit semesters, I don’t have a lot of time to do anything but work.

I have private loans and some scholarships that I receive. Mainly, I’ve struggled with keeping up with my bills. The only real struggle right now is my car insurance. It goes up as I get older, as a man. My scholarships cover textbook costs, although sometimes I have to spend extra to get online software. So, I have to pay out of pocket for that — usually like $40.

When I was in community college, my car broke down on my way to school and I had to pay $6,000 out of pocket to get my transmission fixed. It kind of broke me. It just stressed me out all the time because I had to work so hard to afford that while going to school.