Is student loan worth it?

  • Posted by a hidden member.
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    Dec 07, 2013 5:17 AM GMT
    I really want to go back to school (college). I want to study fashion or film, but i guess i had to choose just one, id pick fashion in a heartbeat. dont know what to major in yet but i want a career related to fashion when i graduate.

    Parsons is my first choice but the school is too expensive. I am working so hard applying for scholarships but Im pretty sure it still wont be enough to get me through 1 school year.

    My second choice would be FIT. Its reasonably affordable. It's a SUNY.

    If I take out student loan (private or non-private) to help me with my finances, personal expenses and anything related to school like projects and stuff, would that be a smart choice?

    I plan on attending in Fall next year if I get accepted. I am really doing my best building my portfolio and writing my essays for admission and scholarships. I am really very excited and happy doing all the preparation (its a good stress in a way because I know I love what I will be doing and I am really very passionate about my interests) but I cant help think about the financial aspect. I wonder if I will ever get by in New York on loans and grants/scholarships alone.

    Parsons is like 42k a year. :C I know. :C

    Do guys know of any scholarship providers who target Arts or Fashion majors? Any suggestions would be highly appreciated. Also, if you have advice on how to make it to College and stuff. Thank you guys. icon_smile.gif Happy Holidays.
  • Posted by a hidden member.
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    Dec 07, 2013 7:31 AM GMT
    You should be guided by a logical, fact seeking, discovery of pros and cons.

    E.g., if it cost $100,000 to get a $30k job, well, maybe, that's worth considering another career path.

    While having a passion for our work makes us both good, and happy, it does not guarantee work.

    I know folks with GEDs who make big money, and folks with MBAs who park cars.

    Reality is that you have to gauge reality against inspiration.

    E.g., getting a degree in x discipline may be worthless if there are no jobs in that area.

    Often, vocational experience is much more valuable than tons of school.

    These are decisions only you can make, based upon proper discovery fostering an ability to make an informed decision.

    E.g., a degree in kinesiology may be fascinating, but, about the only thing it will get you is a job counting reps.

    No one here can decide for you. You have to do your own discovery, think it out, and do what makes sense from a logical, and truthful, perspective.
  • Posted by a hidden member.
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    Dec 07, 2013 7:47 AM GMT
    fashion and film is a total crap shoot man, both depend more on connections than talent (for the most part, there are exceptions, but very few)
  • nomad4life

    Posts: 332

    Dec 07, 2013 12:57 PM GMT
    I mean if you want to go back to school, do it. But have you actually taken time to work in that area? You might be able to get a job or internship without the need of a degree. My sister majored in Communications because she wanted to be a radio dj and ended up working in the fashion industry just because she's a beautiful girl and knows her shit about what's in and out.
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    Dec 07, 2013 12:57 PM GMT
    If you do decide to go to college for one of these, I have one advice for you.

    Going to college is really not about learning and getting a degree in your career choice, it's all about NETWORKING. It's about meeting people and making connections with classmates and professors that will eventually lead you into your career, whatever it may be (speaking from experience). Be intentional with everyone! icon_smile.gif

    GOOD LUCK!
  • Posted by a hidden member.
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    Dec 07, 2013 1:25 PM GMT
    If you major in fashion design, also choose another major or minor that would be as marketable, if not more than your major field of study.

    Student loans are worth it. Stick to subsidized federal loans. Stay away from non-subsidized federal loans. Do not even consider private loans.
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    Dec 07, 2013 5:00 PM GMT
    I think it's worth it. for me, I viewed it as a once-in-a-lifetime adventure....I was never going to be 18-24 again, so why not go to school? still paying on loans now some 7 years after i graduated, but I don't regret it at all.
  • Posted by a hidden member.
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    Dec 07, 2013 5:10 PM GMT
    Hey guys thanks a lot.

    There is this scholarship that i will be joining and hoping I win cause if i do, i get 100% scholarship on tuition.

    still i would need money for personal expenses, housing, my food, materials for school, and etc.

    plus, im an adult student. ill pay for college all by myself. My family is not financially capable of supporting me right now.

    if i dont get the scholarship, im just scared i would end up taking out huge amount of loans… :C

    but i will win the scholarship!!! i will work so hard on that…

  • Posted by a hidden member.
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    Dec 07, 2013 5:25 PM GMT
    You don't necessarily need a degree in the creative fields to be successful, but saying that, I would still get it. It looks good on your resume, especially if you go to a well renowned art school. You also make a lot of connections at school, which in today's market means everything.

    Btw..... supplies are going to cost a fortune
  • Posted by a hidden member.
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    Dec 07, 2013 5:34 PM GMT
    I value education over almost everything. If you ask me I will always say, "get more education". I have a student loan that I doubt I will live long enough to totally repay. And I'd say it was worth it. I'd do it again.

    I also recognize that for a person just starting out the idea of graduating with a mountain of debt maybe never owning a home because of student loan debt does not sound appealing.

    Get the education anyway.
  • joxguy

    Posts: 236

    Dec 07, 2013 5:54 PM GMT
    First off if you have the passion for learning going to college is the way to go. Picking a school is also worth looking into, don't just pick the school that cost the most and think it is the best. There are many state schools that offer great program in film not sure about fashion.

    Federal loans are the way to go. Many of them are interest free to start and when it is time to pay them back they have lots of options that make it affordable. They even have plans where you don't have to pay the hold loan off.

    If you are living near where you went to high school, call you school and see if you can get an appointment with your school counselor. Even if it has been some time since you were there, many of them will be glad to help you out.
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    Dec 07, 2013 6:04 PM GMT
    joxguy saidFirst off if you have the passion for learning going to college is the way to go. Picking a school is also worth looking into, don't just pick the school that cost the most and think it is the best. There are many state schools that offer great program in film not sure about fashion.


    Parsons is known for its apparel program though
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    Dec 07, 2013 6:36 PM GMT
    Get the scholarship. icon_wink.gif If that one doesn't pan out, find another. There are tons of them. I went to grad school on a full scholarship, and I'm not nearly as charming as you.

    Follow your passion. Sure, it will be expensive going to school and living in New York. Especially when you are considering only the top schools. And living in New York. But it will be worth it.

    And heed the good advice youngRJ1 and JJDUDE gave you. It's surprising how smart people with no heads can be.
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    Dec 07, 2013 7:36 PM GMT
    southern89 saidYou don't necessarily need a degree in the creative fields to be successful, but saying that, I would still get it. It looks good on your resume, especially if you go to a well renowned art school. You also make a lot of connections at school, which in today's market means everything.

    Btw..... supplies are going to cost a fortune


    Thanks. icon_smile.gif

    For some reason I really feel like I will be home there. It will be very competitive, I know that, but I am willing to give my 110% best just to get the most out of my investment.

    And yes, you're right. When it comes to fashion, Parson is THE SCHOOL. that is why I want to go there. Plus, it's in New York and New York is the fashion capital.

    I know. the supplies. :C whew. when i think about it i feel like theres a big lump in my throat and its hard to swallow all of it.
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    Dec 07, 2013 7:39 PM GMT
    shortbutsweet saidGet the scholarship. icon_wink.gif If that one doesn't pan out, find another. There are tons of them. I went to grad school on a full scholarship, and I'm not nearly as charming as you.

    Follow your passion. Sure, it will be expensive going to school and living in New York. Especially when you are considering only the top schools. And living in New York. But it will be worth it.

    And heed the good advice youngRJ1 and JJDUDE gave you. It's surprising how smart people with no heads can be.


    lol haha.

    Yes. they actually did.

    mmm. I think Ill save up for now. I am just scared because if i go to school, no one will be supporting me but myself. i may end up taking out private loans since federal loans doesnt cover full college cost but Im scared. whew

    :C
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    Dec 07, 2013 8:04 PM GMT
    Jantheman said
    southern89 saidYou don't necessarily need a degree in the creative fields to be successful, but saying that, I would still get it. It looks good on your resume, especially if you go to a well renowned art school. You also make a lot of connections at school, which in today's market means everything.

    Btw..... supplies are going to cost a fortune


    Thanks. icon_smile.gif

    For some reason I really feel like I will be home there. It will be very competitive, I know that, but I am willing to give my 110% best just to get the most out of my investment.

    And yes, you're right. When it comes to fashion, Parson is THE SCHOOL. that is why I want to go there. Plus, it's in New York and New York is the fashion capital.

    I know. the supplies. :C whew. when i think about it i feel like theres a big lump in my throat and its hard to swallow all of it.


    Also.. a word of advise about art school.. don't pick any fights or get into drama. Word gets around easily
  • Posted by a hidden member.
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    Dec 07, 2013 8:10 PM GMT
    southern89 said
    Jantheman said
    southern89 saidYou don't necessarily need a degree in the creative fields to be successful, but saying that, I would still get it. It looks good on your resume, especially if you go to a well renowned art school. You also make a lot of connections at school, which in today's market means everything.



    Also.. a word of advise about art school.. don't pick any fights or get into drama. Word gets around easily


    oh no worries. im never that type of person. haha. im pretty peaceful. did you go to art school too?
  • Buddha

    Posts: 1765

    Dec 07, 2013 8:26 PM GMT
    Paying for college/University? What's that?

    tCM3l.jpg
  • Posted by a hidden member.
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    Dec 07, 2013 8:28 PM GMT
    Jantheman said
    southern89 said
    Jantheman said
    southern89 saidYou don't necessarily need a degree in the creative fields to be successful, but saying that, I would still get it. It looks good on your resume, especially if you go to a well renowned art school. You also make a lot of connections at school, which in today's market means everything.



    Also.. a word of advise about art school.. don't pick any fights or get into drama. Word gets around easily


    oh no worries. im never that type of person. haha. im pretty peaceful. did you go to art school too?


    Yup. I went to RISD for illustration
  • Posted by a hidden member.
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    Dec 07, 2013 8:50 PM GMT
    I absolutely believe that student loans should only be used for tuition. Unless you live in a dorm, I would find another way to pay for your daily living expenses.
  • roadbikeRob

    Posts: 14295

    Dec 07, 2013 9:27 PM GMT
    somersault saidfashion and film is a total crap shoot man, both depend more on connections than talent (for the most part, there are exceptions, but very few)
    That sounds exactly like the city planning profession.
  • Posted by a hidden member.
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    Dec 07, 2013 10:27 PM GMT
    shortbutsweet saidGet the scholarship. icon_wink.gif If that one doesn't pan out, find another. There are tons of them. I went to grad school on a full scholarship, and I'm not nearly as charming as you.

    Follow your passion. Sure, it will be expensive going to school and living in New York. Especially when you are considering only the top schools. And living in New York. But it will be worth it.

    And heed the good advice youngRJ1 and JJDUDE gave you. It's surprising how smart people with no heads can be.


    @shortbutsweet, I would be fired if my face was not in my locked photos. Damned internet. icon_wink.gif
  • Posted by a hidden member.
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    Dec 08, 2013 12:11 AM GMT
    JJDUDE said
    shortbutsweet saidGet the scholarship. icon_wink.gif If that one doesn't pan out, find another. There are tons of them. I went to grad school on a full scholarship, and I'm not nearly as charming as you.

    Follow your passion. Sure, it will be expensive going to school and living in New York. Especially when you are considering only the top schools. And living in New York. But it will be worth it.

    And heed the good advice youngRJ1 and JJDUDE gave you. It's surprising how smart people with no heads can be.


    @shortbutsweet, I would be fired if my face was not in my locked photos. Damned internet. icon_wink.gif


    You must work for some real assholes that spend all day on RJ looking for you. Golly...that seems neurotic.
  • Posted by a hidden member.
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    Dec 08, 2013 1:11 AM GMT
    chuckystud said


    You must work for some real assholes that spend all day on RJ looking for you. Golly...that seems neurotic.


    @chuckystud, They are ridiculous, believe me!
  • Posted by a hidden member.
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    Dec 08, 2013 1:16 AM GMT
    southern89 said
    Jantheman said
    southern89 said
    Jantheman said
    southern89 saidYou don't necessarily need a degree in the creative fields to be successful, but saying that, I would still get it. It looks good on your resume, especially if you go to a well renowned art school. You also make a lot of connections at school, which in today's market means everything.



    Also.. a word of advise about art school.. don't pick any fights or get into drama. Word gets around easily


    oh no worries. im never that type of person. haha. im pretty peaceful. did you go to art school too?


    Yup. I went to RISD for illustration


    Wow thats a really good school too!!! icon_biggrin.gif