I am currently in my second semester at Nassau Community College, and every day I have to take 3 different buses just to get to campus, taking me almost 2 hours. Recently, the bus that comes near my house was cut and now it only runs every 5 hours. So my time to be at school and do what I need to do as a student is limited.

Right now, I am working towards becoming a physical therapist but have had issues trying to find the classes I need. I went to the advising office on campus, but was only told what classes I would need to get my general degree and not what would best prepare me to transfer. The office attempted to help, but because they had to help so many other students I wasn’t able to get the advising that I need to make sure that I will be prepared for life after college.  Also, due to budget issues the school does not have all of the classes I will need to continue my education, so I will be behind when I transfer schools.

Right now, I am able to afford to go to school due to financial aid programs. I am very lucky to receive these, but what I will receive will not nearly cover the costs of the four year college that I will need to attend to receive my degree. I’m not sure how I’m going to afford it, right now I already have an on-campus job while I’m in classes full time an am stretched so thin.

As a college student I knew I would have my fair share of financial issues. Applying for scholarships, grants and taking out loans can be a painful process, especially when you’re deemed not poor enough to get actual help and not rich enough to cover the expenses.

I’m a sophomore at SUNY Cortland and am currently in the BFA studying studio art but I plan on changing my major to gear more towards illustration/animation. My career goals involve working for major companies creating storyboard art for tv shows/movies or video games. As an artist I understand that right from the get go I won’t have an immediate high paying job. It’s something I will have to work hard for and I look forward to that part of my life. Furthermore as an artist, I know money will be tight but I haven’t even stepped foot into that career field yet and I’m already facing many financial struggles that I was under the impression would be taken care of.

As of right now I have received the federal Pell Grant, TAP, federal Perkins loan and other loans and I also work to get myself through school. And sadly that still isn’t enough. Due to a low credit score I am unqualified to get more loans that would pile on to my amount of debt. I couldn’t afford to pay my tuition up front so now I make monthly payments, any money I earn I can barely touch because it goes towards a $500 monthly payment plan that my mom struggles to help me with.

Any time I need to spend money or finally agree to eat out, I always check in with my mom to see if I can afford it. I report back to her any payments I made so we can keep track of our funds. The Excelsior Scholarship promised to aid those making $100,000 a year or less. I fall under that category as do many others. The Excelsior Scholarship also claimed it would cover tuition payments and as years progressed the threshold would increase so no one had to pay for college and be in debt. Sounds great right?

And it is, in theory. I understand that when any new program rolls out there are bumps in the road but my experience with the scholarship was anything but helpful. If the items on your college bill don’t have the word “tuition” in it you pay for it yourself. Though it’s true that any amount of money is helpful, the specific qualifications for the scholarship helped as little people as possible. One of my friends who received it only got $1,000. After receiving financial aid, federal aid etc and receiving the Excelsior Scholarship, I thought I was finally free of counting pennies to see if I could buy a half gallon of milk, I was wrong. The Excelsior Scholarship only allows up to $5,000 per student for solely tuition. This scholarship doesn’t include dorms, meal plans, studio fees, lab fees, athletic fees, transportation fees etc.

After going back and forth with the financial aid office (who were not given information about the Excelsior Scholarship) and the Excelsior Scholarship office for two weeks, I thought I wouldn’t be able to attend college again and I would have to stay home to work. Luckily I was able to take out a loan and work some more with the financial aid office and dip into my savings account. In the end, I chose to stick with the aid I was already receiving because it came out to more than the scholarship. But why do I have to choose?

The financial aid office also required my parents 2015 tax records, my financial situation has changed drastically in two years! Looking at recent records most likely would have helped me get more aid but that is not the way the system works. I want to study abroad so I have a savings account but on more than one occasion we’ve had to dip in to help with payments. So I work more to save more money which gets exhausting and cuts into my social life, but I wouldn’t even be able to go to college without this job so I have to keep working. Life isn’t easy, people have to make sacrifices and work hard, but college is about getting integrated into adult life slowly, not getting thrown in and suffering all the way through.

I am a junior with a double major in Political Science and Psychology, as well as a minor in International Relations. I came to the United States in 2015 seeking a better education. As an international student, I don’t get financial aid, I don’t get loans, and there are restrictions on how long and where I can work.  New York State’s disinvestment in state colleges has affected me in multiple ways. The lack of funding has resulted in overworked professors who don’t have time to assist students as much as they need to, crowded classrooms and health center, and expensive textbooks.

I’ve been working part time at the writing help center on campus to support myself while getting help from my parents to put myself through college. However, the college expenses are sometimes too much. For the past two years I’ve gone through my classes without ever getting the required textbooks. I would either rent them from third parties or borrow a friend’s. The state needs to fund colleges so as to minimize costs for students of all socio-economic backgrounds.

Since I was adopted from Russia by my single mother who possess a PHD in English literature, the importance of my education has been emphasized from early on in my life.   As my high school years elapsed and the daunting reality of the real world loomed over my conscience, I found myself applying to community college. To my surprise, there were a lot more hurdles I had to overcome then just an entrance exam. Despite New York State offering a wide variety of financial aid support to students, I was unable to qualify for any financial aid.  Thus, my mother and I took loans to supplement the cost of community college.

By the end of my two-year program, the debt I had accumulated was over $9000. With my Associates Degree in Criminal Justice, I transferred to Buffalo State College where I am now a senior studying Political Science. As my first year at Buffalo State waned into the past I had accumulated a loan which surpassed $20,000. During the summer prior to my senior year I moved from Buffalo State campus into an apartment close to campus.

The summer of 2017 was the beginning to a life full of relentless stress and physical pain. As bills began to pile up I found myself working full time at a local pizzeria.  Luckily for the first time I was actually able to receive financial help from the New York State government through the new Excelsior Scholarship. Which was even harder to receive than loans. Along with the hoops one has to jump through, the programs has many restrictions which have the potential of crippling students. An example of one of these restricting parameters is the required number of credits a student must take during a semester in order to receive the financial support.

Over my senior year here at Buffalo State College I have been working 40+ hours a week while being a full time student. The financial burden of living expenses such as rent, utilities, food etc., has made it increasingly difficult to focus and dedicate spare time to school. The fear of eviction and the potential of being homeless is a daunting reality for students who fully support themselves. I often find myself worrying about my finances, rather than worrying about important school assignments.

I first got a Medical Assisting certificate at Ridely Lowell, which is a trade school, which I am currently in $18,000 in debt for. I then got my Associates at Dutchess Community College in psychology.  I am now going for my Bachelors in Psychology. I didn’t qualify for any financial aid because I am independent, even though I only make $25,000 a year.

I work full time to cover outside expenses like food, rent, utilities, a car.  I got a better job at a hospital recently which pays a little bit more. I take out loans for New Paltz. If I get a C or above in school, my full time job gives me a grant of $2500 toward tuition. To pay for this semester, I had to put it on a credit card though, because the tuition assistance from my job doesn’t kick in until later. I work full time over night so I only sleep 3 hours a night. Its impossible to study.

If college was free, I wouldn’t have to work so hard, maybe just part time. It would greatly improve my college experience. I’d get to spend more time studying and be able to meet deadlines. Now I record my notes to play while I’m driving. I have to take a course over because I got a D, it was a course that started at 11am but I got out of work at 9:30am and sleep deprivation made it hard to stay awake through the class. I now have to retake the class but it’s full. I often have trouble registering for a class because it interferes with work, especially since I live 30 minutes from campus. If the class is too close to 5pm or right after then I can’t take it. I wanted to get a concentration in organizational psychology but a lot of the required courses were at 8am and since my job wants me to be at work that early it’s not realistic. I need the job though, so what can I do? This limits the options I have for my future prospects of becoming a Physician’s Assistant.

I applied for the Excelsior Scholarship, one day I was on hold for 20 minutes, then 40 minutes. They said I didn’t have enough credits, I was in school for too many semesters, they said over the phone that as long as I don’t have a bachelors and meet the income eligibility I’d get it, but in the 11th hour of the last day they denied it because of credits. When I call them and talk to them no one knows anything.

I am a freshman at Brooklyn College studying Communication Television and Radio.  Without the Excelsior Scholarship, I would have needed to take out a loan.  Luckily, I found out about the scholarship through Forest Hills High School. They pushed me to fill out FAFSA early. They had an assembly about the scholarship and sent emails with a link to apply.  I don’t plan to stay in Brooklyn College.  My mom just moved to Florida and I will be transferring to a school down there.  I am aware that the scholarship will turn into a loan however, I am still grateful because the scholarship gave my mother time to save up before she can start paying out of pocket.

Currently, balancing work and school is a lot.   I am taking 15 credits while working 40 hours a week to pay for additional costs such as textbooks, food and transportation. My mom helps me out with the costs but balancing it is a lot, especially straight out of high school. If I had the option to take fewer classes I would. I believe the scholarship would be better if students were able to take a mandatory 12 credits because 15 is a lot of pressure, especially since the scholarship doesn’t cover Winter or Summer semesters.

I was initially rejected from the Excelsior Scholarship. I was looking forward to having my last year of college paid for. When I did some research into why I was rejected, I realized it had to do with the amount of credits I had. As an Excelsior applicant, I needed to have 90 credits going into my senior year but only had 89. I realized that my college level courses in high school had not been transferred to CSI. I had taken credits through College Now at Kingsborough Community College when I was in high school that had not automatically been applied to my transcript.

Once I contacted my high school, I was able to access the credits, appeal and qualify for the scholarship. I had taken out loans for the first three years, gotten some TAP and some merit scholarships. Excelsior came at the right time, I figured if I could get it for my last year that would be great so it was worth appealing! For the rest of the costs I have a small savings from my grandfather and I work 20 hours a week. This pays for books, food and metrocards.

Textbooks are definitely the most stressful cost. I pay around $200 a semester. I don’t know a lot of people who applied for Excelsior, maybe only one other person. I found out because I saw the commercial on TV and the news stories. My parents also saw it and urged me to apply. I think that the 15 credit requirement is fair as long as students know about it beforehand. As far as the four year requirement, I think it would be unfortunate if they got a job outside of the state, but for majority of students I think it’s fair. For me that would be the least fair part of the scholarship.

I am studying psychology.  I receive the Pell Grant and TAP.  I had to drop chemistry because it was so hard and I ended up becoming part time that semester.  It disqualified me from TAP mid semester, which was really stressful.  Another semester, I dropped Russian and the same thing happened.  If I didn’t receive financial aid at all during college I would be in a lot of debt, probably have a mental breakdown. 

I work as a home attendant 20 hours a week.  I used to do tutoring.  I pay for food out of pocket.  I live with my grandma and we have SNAP.  When I first got into school it was hard to register for the courses I needed.  If college was free it would mobilize and expand people.  People would have more time.  It would help people in need that can barely survive.  Transportation is the biggest challenge for me as a student.  It takes me 2 hours each way.  Also mental health.  There needs to be better mental health services and services for non traditional students. 

I am a Sophomore studying Computer Engineering.  I am a part of  the ASAP program.  I work at a restaurant 30 hours a week.  I get an $875 voucher for textbooks and materials for school.  Some semesters I max out.  My job pays for food. 

It’s hard to balance work and school.  I sleep 2-3 hours.  ASAP gives me priority registration, that’s how I’m able to work 30 hours/week.  I can plan my class schedule around work. 

College should be free and available for everyone.  A lot of people want to go to college, but they can’t because they have to work to support their family and kids!  My biggest challenge is sleep and transportation.  There’s no parking near my school and the F train is always having problems.

I study Precolonial History.  I am a 4th year student receiving  a TAP award and the Pell Grant.  I work 30 hours a week as a home attendant.  Pell covers textbooks, metrocard and food.  I live with my mom so I don’t have to worry about rent.

It is stressful to work and be in school.  I wouldn’t be in school if I didn’t receive financial aid.  I’d be working.  I am not graduating on time, I have to stay an extra year and will run out of TAP.  It stresses me out a lot I don’t know what I’m going to do.  It’s really messed up that in order to receive TAP I’ve been forced to be full time.  It’s a lot of work, I can’t handle it.  The workload from five classes is a lot.  Paper after paper.  12 credits is considered full time but you can’t graduate on time. 

Most people I know don’t graduate in 4 years.  The hardest part about being a student is balancing work and finances, it effects my mental health.  We need better mental health services!  Food is super expensive too, especially at Hunter which is on the Upper East Side. Who can afford to spend $10 a day on food? It’d be great if there was an affordable option for students.