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	  <title>Ask MetaFilter questions tagged with tuition</title>
      <link>http://ask.metafilter.com/tags/tuition</link>
      <description>Questions tagged with 'tuition' at Ask MetaFilter.</description>
	  <pubDate>Thu, 10 Sep 2009 07:43:21 -0800</pubDate> <lastBuildDate>Thu, 10 Sep 2009 07:43:21 -0800</lastBuildDate>

      <language>en-us</language>
	  <docs>http://blogs.law.harvard.edu/tech/rss</docs>
	  <ttl>60</ttl>	  
	<item>
	<title>Ik heb... financialaidie?</title>
	<link>http://ask.metafilter.com/132465/Ik%2Dheb%2Dfinancialaidie</link>	
	<description>NetherlandsFilter: As a Dutch citizen, am I eligible for financial aid for school in the United States? I&apos;m a US-Dutch dual citizen, and I&apos;m starting grad school in the US soon. I was applying for FAFSA when I realized there&apos;s probably an equivalent program in Holland.&lt;br&gt;
&lt;br&gt;
But I can barely read Dutch, let alone Google effectively in it. Has anyone successfully done this?</description>
	<guid isPermaLink="false">tag:ask.metafilter.com,2009:site.132465</guid>
	<pubDate>Thu, 10 Sep 2009 07:43:21 -0800</pubDate>
	<category>college</category>
	<category>dutch</category>
	<category>financialaid</category>
	<category>gradschool</category>
	<category>grants</category>
	<category>loans</category>
	<category>netherlands</category>
	<category>resolved</category>
	<category>tuition</category>
	<category>usa</category>
	<dc:creator>zvs</dc:creator>
	</item>
	<item>
	<title>Free degree or let loose passion?</title>
	<link>http://ask.metafilter.com/132057/Free%2Ddegree%2Dor%2Dlet%2Dloose%2Dpassion</link>	
	<description>I work for a university with a generous tuition discount and after two years of research my conclusion is that the graduate programs here are generally for people who return to their same jobs (with the exception of med and law school). Most programs rank above the top 30 and the reviews from alumni and current students have given me the impression classes tend to be weak. Help me here! I want to do my masters. Since not finishing it at another university it has been a passion of mine to do the degree. However, faced with a lot of choice at this university where I work, none of the choice is in my own interest areas. &lt;br&gt;
I really don&apos;t want to start anything new. I realize there are some directions I could go that would be good off-shoots but I am unsure as to what it would mean in the context of the job I currently have and will probably have once the degree is finished. Frankly, the job I have is one I am great at but whose prospects are very dim in the current economic environment. I keep thinking that perhaps the best idea would be to do something in policy as a way to make something out of nothing, however my heart lies in technical and creative brand management - a highly selective field I needed time off from. It&apos;s been two years and the economy has since tanked so I am stuck. Chuck it in? Do a degree while I work and look for work? Chart a new course?</description>
	<guid isPermaLink="false">tag:ask.metafilter.com,2009:site.132057</guid>
	<pubDate>Sat, 05 Sep 2009 08:11:08 -0800</pubDate>
	<category>Graduate</category>
	<category>program</category>
	<category>reimbursement</category>
	<category>tuition</category>
	<dc:creator>Anonymous</dc:creator>
	</item>
	<item>
	<title>Education tax credit - can we claim it twice for two students? </title>
	<link>http://ask.metafilter.com/130328/Education%2Dtax%2Dcredit%2Dcan%2Dwe%2Dclaim%2Dit%2Dtwice%2Dfor%2Dtwo%2Dstudents</link>	
	<description>Can more than one student filing on the same US tax return claim the new &lt;a href=&quot;http://www.irs.gov/newsroom/article/0,,id=205674,00.html&quot;&gt;American Opportunity Tax Credit&lt;/a&gt;? I am currently a half-time undergraduate student at a US university.  I plan to claim on my 2009 US Tax return (1040) the American Opportunity Tax Credit (an expansion of the Hope tax credit), so as to receive a refund for some of my tuition expenses.    In addition, Mrs. Deadmessenger plans to enroll in college for the first time this semester, and thus will have substantial eligible expenses of her own.  &lt;br&gt;
&lt;br&gt;
So, here&apos;s our question:  The &lt;a href=&quot;http://www.irs.gov/newsroom/article/0,,id=205674,00.html&quot;&gt;IRS&apos;s webpage&lt;/a&gt; is pretty clear on the fact that the maximum annual credit is $2500, representing 100% of the first $2000 in eligible expenses, and 25% of the next $2000.   Is that $2500 limit a per-student limit, or a per-family limit?  In other words, if I rack up $4000 in eligible expenses, and Mrs. Deadmessenger does as well, would the credit on our joint tax return be $2500 (meaning that the limit is per-family), or $5000 ($2500 for each of us, or a per-student limit)&lt;br&gt;
&lt;br&gt;
The &lt;a href=&quot;http://www.irs.gov/newsroom/article/0,,id=211309,00.html&quot;&gt;IRS&apos; FAQ&lt;/a&gt; on the credit doesn&apos;t address this scenario.    &lt;br&gt;
&lt;br&gt;
Oh, and just to get it out of the way:   You are not my tax professional, accountant, CPA, tax attorney, enrolled agent or tax preparer.   Thanks in advance for your help anyway!</description>
	<guid isPermaLink="false">tag:ask.metafilter.com,2009:site.130328</guid>
	<pubDate>Sun, 16 Aug 2009 16:38:37 -0800</pubDate>
	<category>americanopportunitytaxcredit</category>
	<category>college</category>
	<category>education</category>
	<category>expenses</category>
	<category>taxcredit</category>
	<category>tuition</category>
	<category>university</category>
	<dc:creator>deadmessenger</dc:creator>
	</item>
	<item>
	<title>In-State Tuition in Colorado</title>
	<link>http://ask.metafilter.com/129887/InState%2DTuition%2Din%2DColorado</link>	
	<description>Please help me get in-state tuition in Colorado! Here is the situation:&lt;br&gt;
&lt;br&gt;
I have lived in Colorado for a year, going to school.  I pay out-of-state tuition and would like to change that.  In September, I am going to go to Spain for 6 months to study abroad with my school.&lt;br&gt;
&lt;br&gt;
I have a Colorado Driver&apos;s License, and according to this ( http://sfs.colostate.edu/residency/instatetuition.aspx ) it appears that that might be enough.&lt;br&gt;
&lt;br&gt;
Technically, I will have identification issued in July 2009, so couldn&apos;t that start the countdown for my 12 month requirement?&lt;br&gt;
&lt;br&gt;
&quot;Evidence of legal ties outside of Colorado during the domicile year that demonstrate residency in another state may include the following:&quot;&lt;br&gt;
&lt;br&gt;
I won&apos;t fit the criteria of any of these.  How should I go about this?&lt;br&gt;
&lt;br&gt;
Any help will be greatly appreciated!</description>
	<guid isPermaLink="false">tag:ask.metafilter.com,2009:site.129887</guid>
	<pubDate>Tue, 11 Aug 2009 16:15:17 -0800</pubDate>
	<category>college</category>
	<category>colorado</category>
	<category>instate</category>
	<category>outostate</category>
	<category>tuition</category>
	<dc:creator>PaulingL</dc:creator>
	</item>
	<item>
	<title>Paying for graduate school out of your 401k. Stupid idea?</title>
	<link>http://ask.metafilter.com/126493/Paying%2Dfor%2Dgraduate%2Dschool%2Dout%2Dof%2Dyour%2D401k%2DStupid%2Didea</link>	
	<description>Paying for graduate school out of your 401k. Stupid idea? I have been working on a masters degree for some time now, paying out of my own pocket. It is not cheap, but I believe it will be worth it in the long run. &lt;br&gt;
&lt;br&gt;
However, some extra income I was counting on to help me fund my tuition didn&apos;t materialize, so it looks like I could run out of money before I finish graduate school. I&apos;ve been thinking about tapping into my 401k to cover the rest of my tuition, but I have a feeling that might be a stupid idea. Is it?&lt;br&gt;
&lt;br&gt;
P.S.: I am not a permanent resident in the US, so student loans are not an option for me.</description>
	<guid isPermaLink="false">tag:ask.metafilter.com,2009:site.126493</guid>
	<pubDate>Fri, 03 Jul 2009 16:28:00 -0800</pubDate>
	<category>401k</category>
	<category>education</category>
	<category>loans</category>
	<category>retirement</category>
	<category>student</category>
	<category>tuition</category>
	<dc:creator>falameufilho</dc:creator>
	</item>
	<item>
	<title>Paying for school</title>
	<link>http://ask.metafilter.com/126335/Paying%2Dfor%2Dschool</link>	
	<description>I have a pretty big tuition bill, even after Stafford and Perkins loans are applied. Can&apos;t pay it in cash. Should I take out another loan or take money out of the mutual funds? The thing that sucks is I had thought I could use all the money in my mutual funds to pay the school bills in the first place, and then when I started school last fall I lost nearly half of it. So far I didn&apos;t have to touch it, but it looks like tuition got raised and even if I saved every penny of my summer job I&apos;m not going to be able to cover it with my bank account. &lt;br&gt;
&lt;br&gt;
If I take out another loan, I have to pay interest on it. If I cash out my mutual fund, I&apos;ll basically be able to cover my bills for the rest of the year (and then I graduate) but I&apos;ll never see the money I lost in it ever again.&lt;br&gt;
&lt;br&gt;
One other thing, so the money I have in the mutual fund now is about the same as how much I started with, seven years ago, but not accounting for inflation. So on the face of it you could argue I didn&apos;t lose any *actual* money, but if you account for inflation, I did. The question I suppose is whether I should wait for that mutual fund to recover or just cut my losses and use it so I don&apos;t incur more debt.&lt;br&gt;
&lt;br&gt;
Sorry if this seems like a basic question. I am horribly bad with financial things, so the answer is not entirely obvious to me.</description>
	<guid isPermaLink="false">tag:ask.metafilter.com,2009:site.126335</guid>
	<pubDate>Wed, 01 Jul 2009 13:55:32 -0800</pubDate>
	<category>college</category>
	<category>funds</category>
	<category>loans</category>
	<category>mutual</category>
	<category>school</category>
	<category>tuition</category>
	<dc:creator>Anonymous</dc:creator>
	</item>
	<item>
	<title>Educate me (and mine).</title>
	<link>http://ask.metafilter.com/122124/Educate%2Dme%2Dand%2Dmine</link>	
	<description>Which colleges or universities still offer free tuition to children of employees who get accepted to the school? I once worked at a university where an employee&apos;s child (provided the parent was at a certain job level/rank and had been in the job long enough to qualify) could go to any of the undergraduate divisions for free if they were accepted to them. If the child went to another college, the university would pay half of the tuition. &lt;br&gt;
&lt;br&gt;
Pretty sweet deal. &lt;br&gt;
&lt;br&gt;
I know that schools are doing away with this kind of benefit, but what schools do you know of where this is still offered? My career is such that I can work in the academic setting, so where should I look for employment if I want my kids to get a free education?&lt;br&gt;
&lt;br&gt;
This regards the US</description>
	<guid isPermaLink="false">tag:ask.metafilter.com,2009:site.122124</guid>
	<pubDate>Thu, 14 May 2009 14:05:15 -0800</pubDate>
	<category>benefits</category>
	<category>college</category>
	<category>education</category>
	<category>employment</category>
	<category>fringe</category>
	<category>highereducation</category>
	<category>tuition</category>
	<category>tuitionbenefits</category>
	<category>university</category>
	<dc:creator>mds35</dc:creator>
	</item>
	<item>
	<title>Learning to Write Spanish Online</title>
	<link>http://ask.metafilter.com/117101/Learning%2Dto%2DWrite%2DSpanish%2DOnline</link>	
	<description>I&apos;m thinking of preparing the DELE (Diploma de Espa&#xf1;ol como Lengua Extranjera, or official Spanish Language Diploma) exam. My spoken Spanish is OK, my listening is fine, and my reading skills are good. What I can&apos;t do, because I&apos;ve never practiced, is write essays in Spanish, and essays are a part of the DELE. So I&apos;m looking for some online tuition in Spanish, say something where I submit written work, have it corrected and commented on for grammar and style and then returned to me for a second improved draft across several pieces of writing. I could probably pay someone to do this, but I&apos;d prefer something online - and something where a human, not software, is doing the work. If you knew of any online service which offered this or something similar, I&apos;d love to hear about it.</description>
	<guid isPermaLink="false">tag:ask.metafilter.com,2009:site.117101</guid>
	<pubDate>Wed, 18 Mar 2009 15:28:59 -0800</pubDate>
	<category>DELE</category>
	<category>resolved</category>
	<category>spanish</category>
	<category>tuition</category>
	<category>writing</category>
	<dc:creator>Holly</dc:creator>
	</item>
	<item>
	<title>How to negotiate for grad school tuition assistance/funding?</title>
	<link>http://ask.metafilter.com/116570/How%2Dto%2Dnegotiate%2Dfor%2Dgrad%2Dschool%2Dtuition%2Dassistancefunding</link>	
	<description>Seeking advice regarding negotiating for funding/tuition assistance from grad schools. In a nutshell, I&apos;ve been accepted to an MA program but was not extended an offer for a fellowship or any other sort of financial assistance. (Asking for a friend.)&lt;br&gt;
&lt;br&gt;
A few details:&lt;br&gt;
&lt;br&gt;
It&apos;s a master&apos;s program in political science at the University of Missouri at Columbia. I did my undergrad there (archaeology). Furthermore, my dad was a tenured professor at the university for his entire career (now retired). I was born in the town of Columbia and lived there until I was 27, when I moved out of state (9 years ago).&lt;br&gt;
&lt;br&gt;
I could potentially make this work without taking any loans or anything, provided that the department give me a break and allow me to at least pay in-state tuition. I&apos;m not sure how to bring the topic up, however. That is, is there a good way to present my situation and ask for their consideration? Is there something I should avoid?</description>
	<guid isPermaLink="false">tag:ask.metafilter.com,2009:site.116570</guid>
	<pubDate>Thu, 12 Mar 2009 10:22:17 -0800</pubDate>
	<category>fundingnegotiation</category>
	<category>gradschool</category>
	<category>tuition</category>
	<dc:creator>penchant</dc:creator>
	</item>
	<item>
	<title>How can I prove residency without a lease or utilities?</title>
	<link>http://ask.metafilter.com/115350/How%2Dcan%2DI%2Dprove%2Dresidency%2Dwithout%2Da%2Dlease%2Dor%2Dutilities</link>	
	<description>After already attending  CUNY Hunter college as a nyc resident, they took away my residency until I can prove it to them again. However, I don&apos;t have a lease, didn&apos;t get a drivers license until 6 months ago, and have no other proof that I&apos;ve lived here other than attending school here for the past 3 semesters.
(Please somebody help me) I moved to NYC in september of 2007 from New Jersey after graduating highschool in June. I started attending Kingsborough, paying out of state tuition since you need to live here a year before you are a resident. My apartment is a month to month that we pay in cash, there is no lease. I have had a enough one time jobs, but no employment records. All the utilities are included in our rent. Because it is NYC, I didnt bother getting a NYs drivers license until the next august (which I obviously realize now was a mistake.) Finally we were having a problem with the post, not receiving any mail until mid february, so I don&apos;t have any mail that is dated before the first day of class (Jan 26th) &lt;br&gt;
&lt;br&gt;
Because I was accepted to Hunter as a NYC resident, I filled up my schedule and paid the $2000 and everything was great, until the the other day I received an e-mail saying I had to prove my residency again. As I already said I don&apos;t really have any proof, and I just don&apos;t know what to do. I can&apos;t afford the out of state tuition, and if I knew it was going to be this expensive I wouldn&apos;t have taken so many classes. &lt;br&gt;
&lt;br&gt;
AND the school wants my parents tax information for 2007, where I was still in highschool, so they claimed me as a dependant for that year, even though I moved out in september. Why does the school need their 2007 taxes and not 2008? I could have moved in 2008 and still have lived in NYC for a year prior to this semester.&lt;br&gt;
&lt;br&gt;
Can Hunter kick me out if I can&apos;t pay the out of state tuition? Is there anyway other than the residency form to prove that I&apos;ve lived here for 17 months?</description>
	<guid isPermaLink="false">tag:ask.metafilter.com,2009:site.115350</guid>
	<pubDate>Fri, 27 Feb 2009 12:42:10 -0800</pubDate>
	<category>CUNY</category>
	<category>Hunter</category>
	<category>NYC</category>
	<category>residency</category>
	<category>tuition</category>
	<dc:creator>rubberkey</dc:creator>
	</item>
	<item>
	<title>Why should I pay when I had to teach myself</title>
	<link>http://ask.metafilter.com/113754/Why%2Dshould%2DI%2Dpay%2Dwhen%2DI%2Dhad%2Dto%2Dteach%2Dmyself</link>	
	<description>If I paid for a class to help me pass a test but I received real assistance towards passing the test, can I contest paying for that class? My wife attended the &lt;a href=&quot;http://www.ulv.edu/education/programs/&quot;&gt;teacher education program through the University of La Verne&lt;/a&gt;, at one of their satellite campuses near our home. Ideally, she would have continued on to get her masters through this program, but her experiences with the teaching program made her (and her classmates) decide it wasn&apos;t worth it. &lt;br&gt;
&lt;br&gt;
My wife took one class in particular to pass a test (I&apos;ve forgotten the name, sorry) that would allow her to be a high school teacher. The professor of the class treated her class as more of a hindrance to her weekend plans than her job (the teacher lived a couple hours away, and the class was on the weekends). The professor&apos;s job was to prepare her students for this test, but she wouldn&apos;t give specific feedback in some cases, because she was also a grader for these test, and could end up grading on of her students. When my wife asked the head of the local program, she was told that there wasn&apos;t a conflict of interest, and the professor should be giving specific feedback. When my wife and other students complained higher up the chain, they were told the professor was a good person, and &quot;don&apos;t worry, you&apos;ll all get A&apos;s.&quot; &lt;br&gt;
&lt;br&gt;
My wife and some of her classmates studied and worked together to make sense of the study material. They ended up passing, and she is now teaching. She hasn&apos;t paid the remainder of her tuition yet, and one of her class-mates was looking into how to challenge paying for some classes. I figured I could tap the hive-mind for some insight. &lt;br&gt;
&lt;br&gt;
Notes: I won&apos;t name any names beyond the University, because I don&apos;t wish to lay much blame on anyone beyond the University. My wife and her classmates had enough experiences with La Verne that they aren&apos;t shy about their feelings. If calling out the university is bad form, I&apos;ll accept post deletion. My wife and I will pay some of the tuition, and all if need be. The tuition pay-back will be a temporary financial strain, but that&apos;s not the issue. She feels that she and her friends taught each-other the material, but still payed the professor to come and have a weekend get-away in our town, and the administration treated the students like children.</description>
	<guid isPermaLink="false">tag:ask.metafilter.com,2009:site.113754</guid>
	<pubDate>Mon, 09 Feb 2009 07:27:10 -0800</pubDate>
	<category>challenge</category>
	<category>tuition</category>
	<dc:creator>filthy light thief</dc:creator>
	</item>
	<item>
	<title>Getting loan check in mom&apos;s name into my bank account.</title>
	<link>http://ask.metafilter.com/112800/Getting%2Dloan%2Dcheck%2Din%2Dmoms%2Dname%2Dinto%2Dmy%2Dbank%2Daccount</link>	
	<description>My mother was recently approved for a Parent PLUS loan to cover my tuition for this year.  The check is now on its way in mom&apos;s name to my address, and I have some questions... My mother, who lives across the country from me, was recently approved for a Parent PLUS loan to cover my tuition for this year.  The check for $6000 in mom&apos;s name is on its way to my address, and due to several issues, I need help figuring out how to get the check into my account.  The issues:&lt;br&gt;
&lt;br&gt;
A) There is a branch of my bank where mom lives, but not a branch of mom&apos;s bank where I live&lt;br&gt;
B) Mom has a long history of inability to manage finances and bouncing checks, and is currently a month behind on all of her bills&lt;br&gt;
C) Mom has a husband with a drug addiction and very few scruples with whom she shares a bank account&lt;br&gt;
D) The distance between us (so that we can&apos;t go to a bank together)&lt;br&gt;
&lt;br&gt;
As far as I can tell, there are only a few options here.  One, which Mom suggested, is that I sign her name, &quot;Pay to the order of&quot; my name, and deposit the check into my account.  But: Since this is such a large check, will the bank give me problems about depositing the check without my mom being there in person?  Could I deposit it in the ATM without issue?  &lt;br&gt;
&lt;br&gt;
Another option would be to send mom the check with my signature and &quot;For Deposit Only&quot; with my account number on the back.  I would have my mother sign it and deposit it into my bank account in person.  Would writing &quot;For Deposit Only&quot; ensure that she couldn&apos;t put it into her own account?  Would my bank give her any problems for depositing the check without me being present?&lt;br&gt;
&lt;br&gt;
The last option that I can think of would be to send the check to mom, have her put it into her bank account, and then write me a new check from that.  This is not ideal for the aforementioned reasons.  &lt;br&gt;
&lt;br&gt;
What is the best, easiest, fastest way to get this check from my mailbox into my bank account with the smallest risk of mom or her husband taking the money for themselves?  Is there another way I&apos;m not thinking of?  &lt;br&gt;
&lt;br&gt;
It should be noted that this loan will get lumped in with the rest of my loans and get paid back by me, not by my mother, and that without it, I will be unable to complete this semester at school.</description>
	<guid isPermaLink="false">tag:ask.metafilter.com,2009:site.112800</guid>
	<pubDate>Wed, 28 Jan 2009 11:52:42 -0800</pubDate>
	<category>bankaccount</category>
	<category>financialaid</category>
	<category>loan</category>
	<category>money</category>
	<category>shadyfamily</category>
	<category>studentloan</category>
	<category>tuition</category>
	<dc:creator>Anonymous</dc:creator>
	</item>
	<item>
	<title>Asking for tuition support instead of a raise</title>
	<link>http://ask.metafilter.com/109604/Asking%2Dfor%2Dtuition%2Dsupport%2Dinstead%2Dof%2Da%2Draise</link>	
	<description>There will be no raises this year - so be it. But I&apos;d like to try negotiating for tuition reimbursement in leiu of a raise. Can you give any advice on conducting this conversation with my boss? Background: I work for a nonprofit museum. I report to the President/Executive Director. I&apos;ve been here 4.5 years and gotten two merit raises in that time, the last of those being two years ago this month. The monetary compensation is still a bit below par for the field, but otherwise the job is quite good - excellent health benefits, retirement, security. My boss, the director, has also been extremely supportive of professional development for me; he&apos;s authorized essentially unlimited support for conference attendance, encourages me to be active in national organizations which require meetings around the country, and last year paid for me to attend a lengthy seminar out of state with a bill equivalent to what I might have got as a raise. All that is good and, essentially, this job is a pretty good place to be for a mid-career person such as myself. &lt;br&gt;
&lt;br&gt;
But we had a sombre meeting a few weeks ago, as many nonprofits (and for-profits) did, laying out the financial prospects for the next 3 years. It was clear that we are going to be in very lean times, drawing a lot less from our endowment and fighting for revenue in a tight economony. So there&apos;s much less slush in the budget. For this reason, the President and board let us know that across the board, there would be no raises given in 2009.&lt;br&gt;
&lt;br&gt;
Which is a bummer, because I was just about ready to ask for another raise. In the time since my last one I&apos;ve brought a lot of grant money into the institution, developed new programs, and led the staff through some major changes, with good outcomes. I feel I have a strong case, but I understand that no raises means no raises.&lt;br&gt;
&lt;br&gt;
Instead of asking for an exception to be made, I thought of asking for support for graduate school tuition. That would come from a separate pot of money from payroll, so wouldn&apos;t qualify as a &apos;raise,&apos; but would be esentially just as helpful. I&apos;m trying to finish my Master&apos;s and will be starting some coursework in spring. I could ask for the total tuition amount, for some undefined amount, for half the tuition, for tuition + books and transportation..I&apos;m a little at sea as to how to make the ask and whether I should be asking for a specific amount, or just what he&apos;s willing to offer.&lt;br&gt;
&lt;br&gt;
And I feel tentative about this because I know money&apos;s tight. And I have the usual feminine aversion to asking for raises - I&apos;m no wily negotiator. In this climate it will take me a little more courage than it would have last year. Can anyone give me advice on initiating this conversation and preparing for it? I haven&apos;t been job-hunting, so I don&apos;t have a fallback position to move to if I don&apos;t get what I want - so I feel like I&apos;m in a little bit of a weak negotiating spot. If I don&apos;t get what I&apos;m asking for, I will have to sit tight for a while anyway. So I&apos;m interested in getting&lt;em&gt; something&lt;/em&gt; from the interaction, even if it&apos;s a token of some kind (ideas welcome).&lt;br&gt;
&lt;br&gt;
Thanks!</description>
	<guid isPermaLink="false">tag:ask.metafilter.com,2008:site.109604</guid>
	<pubDate>Fri, 19 Dec 2008 07:43:43 -0800</pubDate>
	<category>compensation</category>
	<category>raises</category>
	<category>tuition</category>
	<category>work</category>
	<dc:creator>Miko</dc:creator>
	</item>
	<item>
	<title>I wantz to bez a nurze.  But I can has $$ from Prezident Catz?</title>
	<link>http://ask.metafilter.com/104982/I%2Dwantz%2Dto%2Dbez%2Da%2Dnurze%2DBut%2DI%2Dcan%2Dhas%2Dfrom%2DPrezident%2DCatz</link>	
	<description>I have some student loan questions Basic situation: After 11 years out of school, I&apos;ve decided to go back to school for nursing.  Before this process, I had $0.00 in debt, and close to $0.00 in assets.  I decided at the last minute to get the ball rolling, so paid for 2 prereq classes on my credit card.  My parents, who are supportive of this, loaned me the $1000 for the classes so I could pay off my credit card.  I told them I&apos;d get a loan to pay them back, but have yet to start that process.&lt;br&gt;
&lt;br&gt;
I already have a bachelor&apos;s degree in music.  No grad school (or classes) whatsoever.  I&apos;m doing really well in my classes so far, and committed to this path.&lt;br&gt;
&lt;br&gt;
1) I have at least one more semester of prereqs to complete, and if I&apos;m able to do them all in one semester (microbiology, chemistry, A+P II and maybe nutrition) I think it will be really tough for me to work, and I don&apos;t think enough to support myself.  I do some photography work which pays really well when it&apos;s available but it isn&apos;t consistent.  I&apos;ll be taking the prereqs in Boston (I&apos;m moving there in December).  Will I be able to take out student loans to support myself and pay for classes for the semester?  I don&apos;t think I&apos;ll be enrolled in a program, just taking the classes at  a community college there.  &lt;br&gt;
&lt;br&gt;
2)Is the credit crunch likely to affect student loans in general in the next 2 years?   I know that&apos;s a big question but is there anything I can do to prepare for this situation?&lt;br&gt;
&lt;br&gt;
3) Does my previous degree prevent me from getting federal student loans?  I&apos;m pretty sure it&apos;s totally unmeaningful but I never took out loans during my undergrad.&lt;br&gt;
&lt;br&gt;
4) I&apos;m 1/2 way through the semester on the classes that I&apos;m taking now.  And have to pay my parents back for the classes.  Can I apply for a student loan still for this semester?&lt;br&gt;
&lt;br&gt;
5) I keep hearing people say &quot;college debt is the best kind of debt there is&quot;.  Why is that?  I always think debt is debt, and it all sucks.  The only reason I&apos;m comfortable doing it here is because there seems to be a well paying job at the other end of the tunnel.&lt;br&gt;
&lt;br&gt;
6) Do you just take whatever loan is available or offered?  Do you have rights of choosing who provides the loans or is that usually regulated by the school?&lt;br&gt;
&lt;br&gt;
I&apos;m sure I could find these questions answered somewhere on the web but the whole thing is incredibly confusing to me so if you can help me out I&apos;d really appreciated it.</description>
	<guid isPermaLink="false">tag:ask.metafilter.com,2008:site.104982</guid>
	<pubDate>Thu, 23 Oct 2008 08:22:43 -0800</pubDate>
	<category>college</category>
	<category>loans</category>
	<category>payment</category>
	<category>student</category>
	<category>tuition</category>
	<dc:creator>sully75</dc:creator>
	</item>
	<item>
	<title>Will maintain high GPA for $ for college</title>
	<link>http://ask.metafilter.com/103488/Will%2Dmaintain%2Dhigh%2DGPA%2Dfor%2Dfor%2Dcollege</link>	
	<description>I&apos;m a permanent resident in the U.S., not citizen, looking to find some scholarship money to help with financing my degree. This is my second year in college so entrance scholarships are out of the question. I&apos;m a Canadian citizen, independent (married), live and work and go to college in the U.S.&lt;br&gt;
&lt;br&gt;
I have an exceptional GPA and the problem I keep running into with most small, local scholarships is they want to know what US high school I attended as well as my scores for SAT etc (I never had to take SAT or any entrance tests, I transferred straight from a Canadian university)&lt;br&gt;
&lt;br&gt;
Any suggestions on where I can find merit-based scholarships for US students who aren&apos;t citizens?&lt;br&gt;
&lt;br&gt;
Fastweb and equivalently spammy websites aren&apos;t helping too much :(</description>
	<guid isPermaLink="false">tag:ask.metafilter.com,2008:site.103488</guid>
	<pubDate>Sun, 05 Oct 2008 18:07:53 -0800</pubDate>
	<category>canada</category>
	<category>gpa</category>
	<category>scholarships</category>
	<category>tuition</category>
	<category>usa</category>
	<dc:creator>icarus</dc:creator>
	</item>
	<item>
	<title>So i&apos;m frugal, but what&apos;s next ? </title>
	<link>http://ask.metafilter.com/100162/So%2Dim%2Dfrugal%2Dbut%2Dwhats%2Dnext</link>	
	<description>I am a frugal person entering his senior year in college [age 21]. 
I have been following advice like the stuff in
&lt;a href=&quot;http://ask.metafilter.com/84915/Today-is-the-first-payday-of-the-rest-of-my-life &quot;&gt;thread 84915&lt;/a&gt;and &lt;a href=&quot;http://ask.metafilter.com/99582/Help-me-cut-costs-without-feeling-the-pinch&quot;&gt;thread 99852&lt;/a&gt;
and living below my means. I sought advice in Financial books for college kids my age [for example, generation debt], but left feeling wanting more because they focus primarily on how to cut expenses [skipping the latte, etc].

So, I have some student loans already, but will need more for my senior year. I also have some money set aside, but I should I use this money to lower the loan amount that I&apos;ll take out or use this money for an investment (Roth IRA, index fund), and take out more for my student loans ? 
Here&apos;s my scenario:&lt;br&gt;
&lt;br&gt;
- I have NO debt - EXCEPT from my Student Loan Debt &lt;br&gt;
&lt;br&gt;
($46,025.40 for undergrad so far, heading into my senior year).&lt;br&gt;
($27,519.40 are government loans - fixed rates, ), &lt;br&gt;
the rest is from a private company, at variable rate -  &lt;br&gt;
A combination of federal and private loans &lt;br&gt;
I am getting VERY Scared about affording this (right now, I have&lt;br&gt;
estimated payments of $ 541.34, given the current interest rates and a normal payment schedule that is not income contingent).&lt;br&gt;
&lt;br&gt;
- I have NO credit cards. &lt;br&gt;
&lt;br&gt;
- I do have a checking account (with a debit card).&lt;br&gt;
&lt;br&gt;
- I have a saving account (only 1.05% APR) of $ 800 (a 6 month&lt;br&gt;
emergency reserve). &lt;br&gt;
&lt;br&gt;
- In the past 5 months or so, I have saved 40 % of my income to a&lt;br&gt;
general savings and a checking account &lt;br&gt;
&lt;br&gt;
(it&apos;s only 1.05 APR, and I know there&apos;s better ones (ING, etc) but&lt;br&gt;
both my [savings and checking]&lt;br&gt;
banks charge a rather large fee (of $30 or so) for transactions from&lt;br&gt;
one bank account to another, &lt;br&gt;
for retirement. &lt;br&gt;
&lt;br&gt;
My most important question is THAT I have received conflicting advice&lt;br&gt;
regarding the following&lt;br&gt;
situation:&lt;br&gt;
&lt;br&gt;
This fall, I&apos;ll need to take out an additional $5,500 (estimated) for&lt;br&gt;
living expenses (this is living frugally, rent, utilities, etc) (I am aware that I could work off campus more hours, but I have tentatively decided not to do that.&lt;br&gt;
(I decided not to work more than 12-15 hours a week, while in school, &lt;br&gt;
which can be for metatalk if you want to discuss that).&lt;br&gt;
&lt;br&gt;
&lt;br&gt;
Should I take that 40% [which I saved - $650] and my federal work study job income ($2220) towards my expenses and take out a smaller loan (the advice from a counselor at the school financial aid office) ? &lt;br&gt;
(Because any rate that I get on investing wouldn&apos;t be higher than my loan rate)&lt;br&gt;
(I have not applied for the loan yet, so not sure of the rates that I&apos;d be getting. This loan would be a private loan, because I am already taking out the maximum from Stafford and Perkins loans. I am looking at PLUS Loans - another govt loan, but that may not work, because my parents do not want a loan in their name). &lt;br&gt;
&lt;br&gt;
Should I take that money and put it into certain investments for retirement (Roth IRA, Index Fund,etc) ?&lt;br&gt;
&lt;br&gt;
Should I put that into something more safer like a money market account (Andrew Tobias&apos; advice for those with less than $5,000) ?</description>
	<guid isPermaLink="false">tag:ask.metafilter.com,2008:site.100162</guid>
	<pubDate>Tue, 26 Aug 2008 12:28:42 -0800</pubDate>
	<category>college</category>
	<category>collegeloans</category>
	<category>debt</category>
	<category>finance</category>
	<category>personalfinance</category>
	<category>studentloans</category>
	<category>tuition</category>
	<dc:creator>fizzix</dc:creator>
	</item>
	<item>
	<title>Which source of $$$ to use for medical school?</title>
	<link>http://ask.metafilter.com/96665/Which%2Dsource%2Dof%2Dto%2Duse%2Dfor%2Dmedical%2Dschool</link>	
	<description>Paying for medical school -- which money to use? I&apos;m starting medical school in Canada in September. I&apos;ve got about $50k in US mutual funds and treasury bills, $15k in a Canadian RSP (which can be used to pay for education if repaid at a certain point), and the banks are offering a line of credit at prime + 1%. &lt;br&gt;
&lt;br&gt;
The question is: how do I start paying for school and living expenses? Withdraw and use the investments, and then move to the line of credit when they&apos;re exhausted? Use the line of credit, and wait for the investments to grow in order to repay the LOC? Are the investments likely to grow in the next few years? Buy lottery tickets?</description>
	<guid isPermaLink="false">tag:ask.metafilter.com,2008:site.96665</guid>
	<pubDate>Tue, 15 Jul 2008 13:46:53 -0800</pubDate>
	<category>borrowing</category>
	<category>finance</category>
	<category>investment</category>
	<category>medicalschool</category>
	<category>money</category>
	<category>tuition</category>
	<dc:creator>Anonymous</dc:creator>
	</item>
	<item>
	<title>Shall I get greedy or follow my heart?</title>
	<link>http://ask.metafilter.com/96254/Shall%2DI%2Dget%2Dgreedy%2Dor%2Dfollow%2Dmy%2Dheart</link>	
	<description>It it worth it for me to put an amount of money into an immediate fixed annuity and take out a loan to pay for tuition, or is it alright to just pay off my tuition with the money available to me. Hello, yet another question on tuition unlike those in the past. I realize the best person to speak to would be a financial planner, but I don&apos;t think the amount is enough to warrant an independent planner. &lt;br&gt;
&lt;br&gt;
I&apos;m currently still in college and I have 34K in CD&apos;s that will mature very shortly. I have taken out a loan last year and I want to do everything I can do to prevent doing that again. I strongly want to minimize the amount of debt I graduate with. &lt;br&gt;
&lt;br&gt;
I am being offered an immediate fixed annuity on the 34K which will lock up the principal for five years and give me a payout on the interest every quarter. If I do this, I will undoubtedly have to take out loans for my remaining years in school. I am weary of the annuity for this reason, along with the fact that they grant high commissions. &lt;br&gt;
&lt;br&gt;
What &lt;em&gt;I&lt;/em&gt; would like do is to simply use this money to pay for the rest of my education. No harm in that, right? Put it in a high yield savings account and take it one year at a time. Can anyone give me a reason why this would be a bad idea or otherwise work against me?&lt;br&gt;
&lt;br&gt;
I&apos;ve been told that this is not necessarily the best way of handling my money, and that I should try and gain capital off of it while I&apos;m in school so that I can make a down payment on an apartment or car or whatever when I graduate. I feel that  a large sum upon graduation that will probably just go to my loans would not help me much.&lt;br&gt;
&lt;br&gt;
Is there any alternative? Is it imperative that I rapidly try to accumulate more wealth on this sum of money and dive further into debt, or is it okay to spend it on my tuition with less stress upon entering the &quot;real&quot; world.</description>
	<guid isPermaLink="false">tag:ask.metafilter.com,2008:site.96254</guid>
	<pubDate>Thu, 10 Jul 2008 12:15:20 -0800</pubDate>
	<category>$</category>
	<category>annuity</category>
	<category>college</category>
	<category>finance</category>
	<category>loan</category>
	<category>tuition</category>
	<dc:creator>saxamo</dc:creator>
	</item>
	<item>
	<title>Help with student loan</title>
	<link>http://ask.metafilter.com/95738/Help%2Dwith%2Dstudent%2Dloan</link>	
	<description>I am looking for the best general student loan company.  What are your experienes with specific student loan companies? So I have managed to pay for the first 4 years of my 5 year program.  But now I am completely broke so I need a student loan.&lt;br&gt;
&lt;br&gt;
I have talked to a financial officer at my school who more or less said &quot;most are good&quot;.  What I would like from the hive are some of your experiences with specific loan providers.&lt;br&gt;
&lt;br&gt;
Perhaps you may even know the &quot;best of the best&quot; loan providers if you have recently spent time researching this.&lt;br&gt;
&lt;br&gt;
My permenent address is considered to be Maryland and my school is located in New Jersey.&lt;br&gt;
&lt;br&gt;
I already recieve federal perkins and direct loans.&lt;br&gt;
&lt;br&gt;
&lt;br&gt;
Misc. Information:&lt;br&gt;
I NEED the loan to cover everything...i.e.:  food, housing, books, tuition, etc&lt;br&gt;
&lt;br&gt;
I just put myself into credit card debt by flying back to my school from Australia (study abroad).  Can I increase my loan to pay off this debt and consolidate it under a better APR?&lt;br&gt;
&lt;br&gt;
Am I allowed to increase my loan by a few grand, 3K - 4K, for my own personal use during my last year?  Most will be spent on drinks, concerts and the occasional weekend trip - so not exactly a school expense, just a little NECESSARY relaxation.</description>
	<guid isPermaLink="false">tag:ask.metafilter.com,2008:site.95738</guid>
	<pubDate>Thu, 03 Jul 2008 20:17:05 -0800</pubDate>
	<category>$</category>
	<category>APR</category>
	<category>Borrow</category>
	<category>college</category>
	<category>Loan</category>
	<category>Money</category>
	<category>School</category>
	<category>student</category>
	<category>tuition</category>
	<category>university</category>
	<dc:creator>Black_Umbrella</dc:creator>
	</item>
	<item>
	<title>Does cost/benefit compute?</title>
	<link>http://ask.metafilter.com/87718/Does%2Dcostbenefit%2Dcompute</link>	
	<description>What, if anything, are the advantages of attending an expensive private prep school over a local public high school. Help me justify the $31,000 tuition cost of prep school. My 14 yr. old daughter has applied and been admitted, as a day student, to a top 50 &lt;a href=&quot;http://www.nmhschool.org/&quot;&gt;prep school&lt;/a&gt;. My wife who works at the local high school says nothing can justify the cost (we have been granted significant financial aid.) Is this true? What would she get out of this experience that she might not get from a public school education?</description>
	<guid isPermaLink="false">tag:ask.metafilter.com,2008:site.87718</guid>
	<pubDate>Wed, 02 Apr 2008 15:10:14 -0800</pubDate>
	<category>education</category>
	<category>highschool</category>
	<category>prepschool</category>
	<category>privateschool</category>
	<category>publicschool</category>
	<category>tuition</category>
	<dc:creator>Xurando</dc:creator>
	</item>
	<item>
	<title>Can has higher education?</title>
	<link>http://ask.metafilter.com/87319/Can%2Dhas%2Dhigher%2Deducation</link>	
	<description>How does one apply for financial aid at a public university as an independent party? This is to imply there will not be financial assistance from the parent/guardian; is there a way for their income to be excluded as criteria in evaluating aid eligibility? The situation is this. A student has been attending a public university for the past two years and has been denied financial aid from the government and university for both years. These applications included the parents financial records/income.&lt;br&gt;
&lt;br&gt;
The situation has changed and the parent will no longer be financially able to assist in payment for tuition/housing for certain reasons and the student will be one their own. The income of the guardian is such that financial aid requests have been denied in the past but various obligations/expenses make supporting multiple college tuition bills unfeasible.&lt;br&gt;
&lt;br&gt;
Is there a way for the student to prove financial independence from the parents and have their request evaluated solely on their income and financial situation? Would this simply require not being claimed as a dependent? &lt;br&gt;
&lt;br&gt;
This is for a California university if this impacts the situation at all. This question at MeFi is meant to serve as the groundwork prior to meeting with the university financial aid office. I assume this it&apos;s not possible for one to just say their parents will not be assisting in paying for one&apos;s education since most everyone would do that. Any help is appreciated, MeFites.</description>
	<guid isPermaLink="false">tag:ask.metafilter.com,2008:site.87319</guid>
	<pubDate>Sat, 29 Mar 2008 04:09:34 -0800</pubDate>
	<category>aid</category>
	<category>calgrant</category>
	<category>college</category>
	<category>fafsa</category>
	<category>financial</category>
	<category>individual</category>
	<category>payment</category>
	<category>student</category>
	<category>tuition</category>
	<dc:creator>Anonymous</dc:creator>
	</item>
	<item>
	<title>Why are professional schools so expensive?</title>
	<link>http://ask.metafilter.com/83624/Why%2Dare%2Dprofessional%2Dschools%2Dso%2Dexpensive</link>	
	<description>Why are professional schools like medical and dental school so expensive? Do they charge so much because they &lt;em&gt;can&lt;/em&gt; or do they charge so much because they &lt;em&gt;must&lt;/em&gt;?</description>
	<guid isPermaLink="false">tag:ask.metafilter.com,2008:site.83624</guid>
	<pubDate>Thu, 14 Feb 2008 08:13:03 -0800</pubDate>
	<category>cost</category>
	<category>dentalschool</category>
	<category>medicalschool</category>
	<category>tuition</category>
	<dc:creator>Paul KC</dc:creator>
	</item>
	<item>
	<title>Can I claim my tuition payment on this year&apos;s taxes?</title>
	<link>http://ask.metafilter.com/83447/Can%2DI%2Dclaim%2Dmy%2Dtuition%2Dpayment%2Don%2Dthis%2Dyears%2Dtaxes</link>	
	<description>I attended my last semester of college in the spring of this previous year and paid about $6k in tuition, some in January and some in February. When I got my 1080-T from my university, though, it said that I could only claim $414 (about one credit&apos;s worth) on my taxes for this year. It seems like this is because they billed me for the semester before the end of 2006, and put it on my 1080-T for last year. Since I actually paid them this year, though, can I claim it on this year&apos;s taxes? I didn&apos;t claim any of the tuition on my taxes last year. I&apos;m paying taxes in Massachusetts (where I also attended college), if that changes anything, and my income for this past year is well under $40k. This makes a fairly significant difference in my rebate, so if there&apos;s any way that I can do this I would like to.&lt;br&gt;
&lt;br&gt;
Also, does my university send the information in my 1080-T to the IRS? Will I need to talk to them if I&apos;m going to claim it on this year&apos;s taxes?&lt;br&gt;
&lt;br&gt;
Thanks!</description>
	<guid isPermaLink="false">tag:ask.metafilter.com,2008:site.83447</guid>
	<pubDate>Tue, 12 Feb 2008 08:12:36 -0800</pubDate>
	<category>1080-T</category>
	<category>college</category>
	<category>taxes</category>
	<category>tuition</category>
	<dc:creator>drdevice</dc:creator>
	</item>
	<item>
	<title>taxes in the UK</title>
	<link>http://ask.metafilter.com/81525/taxes%2Din%2Dthe%2DUK</link>	
	<description>Can my wife claim my tuition as a tax credit in the UK? I am a PhD student in the UK.  My wife is currently supporting both of us.  We are from Canada and are ignorant about how taxes work in the UK.  Can she claim the money we have spent on my tuition as a tax deduction?&lt;br&gt;
Extra credit question: How?&lt;br&gt;
Super bonus question: What forms do we need?&lt;br&gt;
Thanks.</description>
	<guid isPermaLink="false">tag:ask.metafilter.com,2008:site.81525</guid>
	<pubDate>Mon, 21 Jan 2008 07:37:50 -0800</pubDate>
	<category>Britain</category>
	<category>england</category>
	<category>financial</category>
	<category>Kingdom</category>
	<category>taxes</category>
	<category>tuition</category>
	<category>UK</category>
	<category>United</category>
	<dc:creator>arcadia</dc:creator>
	</item>
	<item>
	<title>I paid my kid sister&apos;s tuition last year. How do I approach that for tax purposes?</title>
	<link>http://ask.metafilter.com/80089/I%2Dpaid%2Dmy%2Dkid%2Dsisters%2Dtuition%2Dlast%2Dyear%2DHow%2Ddo%2DI%2Dapproach%2Dthat%2Dfor%2Dtax%2Dpurposes</link>	
	<description>I paid my kid sister&apos;s tuition last year. How do I approach that for tax purposes? Can I possibly get a tax credit? Can she?</description>
	<guid isPermaLink="false">tag:ask.metafilter.com,2008:site.80089</guid>
	<pubDate>Thu, 03 Jan 2008 14:17:27 -0800</pubDate>
	<category>accounting</category>
	<category>taxes</category>
	<category>tuition</category>
	<dc:creator>joshjs</dc:creator>
	</item>
	
	</channel>
</rss>

