“For I know the plans I have for You” declares the Lord! “Plans to prosper you, and not harm you, plans to give you hope and a future” Jeremiah 29:11It probably will come down to him taking a loan. and it breaks my heart. Like. For. Real! The university he is attending is a hands on type school, with a lot of applied technology! and He will be gaining his bachelors degree in applied science. But it will all be automotive/high performance focused. So…killing some time at the local community college would really just waste his time and resources. I certainly don’t want him to come out of this being so burdened with student debt that he can’t enjoy his accomplishments… So, from here…providing he chooses the loan route. What ideas can you share for us to give him, as far as advice, and ways to knock the debt out quickly? I would gladly downsize, sell my possessions, etc….to help my boys succeed in their education and dreams. But I didn’t plan for them, like my heavenly Father has for me. And I am painfully regretful!
So, today surely proved to be a sad day….for many reasons, as we ventured the two hour trip to Lima for our oldest boys college orientation. The anxiety / sadness has been slowly creeping in since he officially graduated. But today hurt. It hurt real bad. No more Band… Marching Band/Band Camp/Drumline/ Concerts/ and just the great camaraderie of the band itself.Soon, there will be no more Brandon just hangin’ out at night. (we often joke, that he and the ten year old are the only ones that still like us) I’ll miss his sweet little smirk, when he’s crossed between embarrassed and thinking something is funny. His obsession with microwave popcorn will now smell up the dorm instead of our home. I know he is only going TWO hours away, and he will likely be home a couple weekends a month, but…..I’m still kinda freaking out. And to top it, during orientation, they pretty much told us parents that it’s not good to let them know your freaking out, because it may make the transition even harder on them. They said to begin the transition from Adult/Child relationship to Adult/Adult relationship……. ~oh sigh~…. Does that mean I can’t do his laundry, buy his groceries, prepare meals for the freezer, come clean his dorm once in a while? (ok, I was kidding with that last one….I know this boy, and I don’t enter his
pit room NOW!)
But That….That is just the normal “stuff” I will have to process through…..so they say!
What really saddened me today is when I learned that the financial aid wasn’t going to stretch quite as far as I had hoped, and well…..I’m not really sure how we will be able to provide the difference for each 6 week session. (it’s broken up a little differently through this University)
You see, although God has ALWAYS provided, and I am ever so grateful. We haven’t always made the wisest financial decisions, and well we have pretty much been broke our children’s entire lives. Not poor, but broke (I believe their is difference.)
One thing we have learned is….. to stay.away.from.debt!!!!
If you don’t have money (like cash) to buy it,
then you don’t buy it.
Or… you save up to buy it….
and guess what?
We don’t have car loans, or bank loans, or credit cards. But we do have a bankruptcy in our past. 😦
And we really did learn from it. Although we aren’t successfully participating in the program, we are firm believers in Dave Ramsey’s Financial Peace University. We are just still trying to keep our four walls up.
Anywho……with the great revelation from the financial aid counselor today, it has left us with some tough decisions to make. and to break to our son.
He would need extra money to pay for his college classes. Money that is so freely offered to him via the student loan system.
We have thought of a few “ideas” to throw his way….
1. Take the student loans, consider it not only an investment, but also a motivation to continue on. He certainly isn’t going to want to drop classes, or the college all together and have no marketable means (like a degree) to begin paying them back.
2. Wait a year, get a full time job, work hard and bank LOTS of money. The real reservation we have here is, B isn’t, nor has he ever really been a “driven” type of person in academic eyes. (remember my gratitude to the alternative education program) So, if he post pones a year, he may not be “driven” or as excited to get into this program.
3. Walk from our home and move to Lima, so that he an cut out the housing costs. Which would’t eliminate ALL that he is short, but it could help. Clearly that isn’t a very feasible option, and as much as I hate him leaving, I’m looking forward to him gaining this whole college experience. Remember….he’s breaking the generational curse!
I’m in tears all day that we didn’t plan better for his future. for his education. for his Life!
and He is the FIRST of FIVE!!!