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January 8, 2017

Getting into debt to get an education

I have finally paid of my pre-2012 student loan and should seen a small refund.

Before 2012 students in the UK should get:

  • loan for tuition fees
  • loan for housing
  • grant for housing

The difference before 2012 & up to 2016 was the cost of tuition fees and before 2012 the amount of income you needed before you started paying it back (£15k pre 2012, £21k post 2012). Since 2016 the grants are no more.

I always thought American education costing way more, I mean NYU tuition is $48k (per yr) compared to UK £9k (per year), but American students average debt is around $35k whereas UK student debt is £44k. I suppose this is due to plenty of grants & scholorships in the US (with students living at home) whereas there aren’t many as all in the UK.

Now that the NHS is no longer supporting nurse training and students no longer received a bursary (much the same as a grant), I will be in the same situation as any other UK student come September.

I will walk out of Uni with around £52.950 of debt!!!!!

Fortunately I will only pay back each month 9 % of my income over £21k rather than a % of what I actually owe like in America.  Most UK students will never pay back their loans, either as they don’t earn enough or won’t pay in back with in 30 years.

So while I don’t like the idea that we come out with more debt, I do like the idea of how we pay it back, oh and that it comes out of our pay directly and doesn’t impact on our credit histories/scores etc so won’t have an impact on mortgage applications etc.

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ABOUTME - Getting into debt to get an education

iamdebg

After 3 years of using and hating a chromebook, I After 3 years of using and hating a chromebook, I have finally gotten myself a new laptop. Welcome back 'home' & 'caps lock' oh how I've missed you guys.

I appreciate uni giving us a chromebook for our studies but I've had issues throughout and really don't like them. It did save me having to buy a new laptop for 3 years though đŸ˜€

#newlaptop #acerswift5
Look what's just arrived wasn't expecting it. #un Look what's just arrived wasn't expecting it.

#universityclassification #universityofportsmouth
After only 2 months qualified I have received and After only 2 months qualified I have received and accepted a new RN role. I'm leaving the NHS for a night role in a nursing home.  I haven't enjoyed my time since qualifying & I realise I'm not a ward nurse especially surgical (though I can see myself in theatres). The original role I accepted and I would have enjoyed has been closed since this time last yr and I can't see it opening this year.
So many people I hear get their 'dream' role on qualifying, I'm not one of them & I'm not one to be happy just anywhere.  I want to be an oncology specialist or on the clinical research team. There are no jobs for these role so onto post grad study ASAP and see where it goes.

#registerednurse #nusinghomenurse #newlyqualifiednurse #oncologynurse #clinicalresearch 
#newrnjob 
#newnurserole
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After 3 years of using and hating a chromebook, I After 3 years of using and hating a chromebook, I have finally gotten myself a new laptop. Welcome back 'home' & 'caps lock' oh how I've missed you guys.

I appreciate uni giving us a chromebook for our studies but I've had issues throughout and really don't like them. It did save me having to buy a new laptop for 3 years though đŸ˜€

#newlaptop #acerswift5
Look what's just arrived wasn't expecting it. #un Look what's just arrived wasn't expecting it.

#universityclassification #universityofportsmouth
After only 2 months qualified I have received and After only 2 months qualified I have received and accepted a new RN role. I'm leaving the NHS for a night role in a nursing home.  I haven't enjoyed my time since qualifying & I realise I'm not a ward nurse especially surgical (though I can see myself in theatres). The original role I accepted and I would have enjoyed has been closed since this time last yr and I can't see it opening this year.
So many people I hear get their 'dream' role on qualifying, I'm not one of them & I'm not one to be happy just anywhere.  I want to be an oncology specialist or on the clinical research team. There are no jobs for these role so onto post grad study ASAP and see where it goes.

#registerednurse #nusinghomenurse #newlyqualifiednurse #oncologynurse #clinicalresearch 
#newrnjob 
#newnurserole
No weight loss but weight loss isn't linear. I ma No weight loss but weight loss isn't linear.

I managed to stay under my calories goal last week, not snaking just because I can.

This week the gymshark66 challengen is #HealthySwaps66 time to swap the 'unhealthy' to the 'healthy'. 

@gymshark #gymshark66 #gymshark66challenge #HealthySwaps66 #educateyourself66
Week 3 of the gymshark challenge @gymshark It's t Week 3 of the gymshark challenge @gymshark

It's time to educate myself. My aim for this week is to learn to eat within my calorie limits and try new foods.

#educateyourself66 #gymshark66 #gymshark66challenge
Yay finally arrived. Yes I don't take good photos. Yay finally arrived. Yes I don't take good photos. These feel so comfortable. @sidemenclothing @sidemen 

#sidemen #sidemenclothing
Day 1 of the kick-start challenge done @toneandsc Day 1 of the kick-start challenge done

@toneandsculptapp 

#toneandsculptapp #gymshark66 #Gymshark66 #activeeveryday66
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