I had interest in a wide array of subjects from neuroscience to criminology. I ended up completing my undergraduate degree in Sociology with a double major in Criminology and am now working towards a M.S. degree in Clinical Mental Health Counseling. My undergraduate experience was quite intense, and I feel I navigated it in the dark. Because no one else had gone into higher education in my family, things like taking out loans, applying for scholarships, utilizing campus resources, and exploring institutions and programs were a trial-by-error situation.
This resulted in being left with high interest, high balance loans. My father had finally found a job where he was making a comfortable amount of money, which left me at a disadvantage for financial aid even though I handled my finances completely independently. I was able to accept a couple thousand dollars' worth of federal loans annually, but upwards of $50,000 of student debt was acquired through private loans, with the average interest rate being in the double digits. I received very few grants or scholarships throughout my undergraduate experience because on paper, I was not disadvantaged.
I was tasked with communicating with FAFSA, the financial aid department on campus, federal aid programs, and all other avenues you can imagine just to afford to live and pay tuition. One time, I even added the President of my university to an e-mail, along with other leadership staff of the institution, my advisors, and financial aid to express my concerns over the expenses I was struggling with.
Over and over again I was declined further financial aid, including emergency funds that were reserved by the school I was attending. Luckily, letting these individuals know that I was worried I would have to drop out of my final year of school pushed them to help me with the cost of tuition. I had just applied for and receive SNAP benefits through Pennsylvania and couldn't find a way to make ends meet, but I wasn't willing to stop asking for help.
I seldom, if ever, used campus resources because I didn't have the knowledge of them. For example, there was a writing center that would assist students with improving the quality of their assignments, reviewing applications, practicing interviews for jobs, and much more. I did not know this existed until my last semester, but by then I had already developed a strong foundation of those skills.
I attended the first institution I applied to because they offered a scholarship, which ended up breaking down to about $5,000 per semester. I didn't understand how the offer worked, which left me footing the rest of tuition. I didn't have access to the same resources because I didn't have mentors or networks to educate me on them. I took a life-changing responsibility on at age 18 because my family knew nothing about private student loans. And still, I persevered, graduating a year early as Cum Laude.
Now, as I continue my education into graduate school, I have learned some hard lessons but can improve my quality of education. I have much more knowledge on finances and options available to me, though still struggle to receive scholarships, grants, or other forms of financial aid that doesn't result in debt. I have transferred my private lender for a better interest rate. I am working full-time and paying off my debts across the board. I connect more with my professors and cohort for assistance. And I am achieving more than 18-year-old me could imagine.