I went off to college immediately after high-school and I did not have any idea of what I was getting myself into financially. In the first weeks of my first semester I found out that I had to take out loans because I didn’t have enough with my scholarship money, Tuition Assistance Program (TAP) award, and Pell Grant. I also needed money to pay for my books. A worker in the financial aid office told me I had to take out loans in order to pay my bill. I had already moved away from home, settled into the dorms and attended a few classes before I even found out that I didn’t have enough to pay for it. I kind of felt like it was a trap.

And I still had other expenses to pay. I spend most of my extra money on food because the on campus meal plan (financial aid covers this food option) doesn’t have healthy options. There are hardly any vegetarian options and since I’m a vegetarian I am always forced to find food at outside food stores. In order to pay for this, I work every school break there is, summer break, winter break, and even spring break. For me, finding affordable, healthy food adds more stress and anxiety than having to take a mid-term or a final exam.

My undergraduate days are coming to an end and I’m filled with anxiety because I’m already $30,000 in debt. It is estimated that I could pay that off in 10 years, meanwhile, it only took 4 years to obtain. I don’t think getting accepted into graduate school would be a problem because my grades are really good. However, paying for the GRE test, application fees and the cost to attend has lead me to pause. The price of one application fee is enough to buy food for 2 weeks and the cost of the GRE exam is enough to buy me food for an entire month! Sometimes I feel that eventually I will have to sacrifice my nutritional health in order to afford an education.

About 98% of my tuition is covered by scholarships, grants from the school, and federal loans and grants. To most other students attending Syracuse, paying the remainder 2% of the school’s tuition would be easy to cover by their parent’s incomes. However, for me it is difficult and extremely stressful, especially since both my parents’ incomes fall below the poverty line, they speak little English and I am a first generation college student. Knowing this, I could not bear to ask for my parents’ helps in paying for my education, and decided to save up whatever money I made from my job as a cashier during high school. Still though, as life is filled with unforeseen circumstances, a lot of the money I made during high school went towards helping my parents. I have to constantly be in communication with the financial aid office and bursar office to settle my dues.

Like many other low-income students here, I’ve had to take on a job on top of classes in order to pay for books, and to save up for next semester’s tuition. Having to constantly be in contact with the financial aid and bursar office, keeping track of my finances, and working on top of taking classes has definitely taught me how to manage my time and money well, but has also burdened me with a great amount of stress. Attending a private institution such as Syracuse for low-income students is an omnipresent issue in regards to finances. However, I am extremely grateful to attend such a prestigious academy.