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Should I quit my full-time job or reduce to part time in order to obtain grants or financial aid for college?

by tom44 on November 29, 2013

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Question by candleangel29: Should I quit my full-time job or reduce to part time in order to obtain grants or financial aid for college?
I am an adult learner currently enrolled in the University of Phoenix online program for Informational technology/ Networking program. I am worried about the debt that I am getting myself into. I currently work in a food packaging plant. With my current financial status, I could afford to work part-time and still pay my bills.

Best answer:

Answer by mocristy
I would check to see how much money you are allowed to make and still get Grants. The level is pretty low. For me it was about 19,000 a year. if you make less than that you may do better to go part time, but financial aid is based on your income for the last year. they use your income tax returns from the previous year. So cutting your hours now will not help you on this years.

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2 thoughts on “Should I quit my full-time job or reduce to part time in order to obtain grants or financial aid for college?

  1. prof says:

    Talk to your fin aid rep, find out what the wage caps are, remember that your education will take you where you want to be in the future. They job you have now pays the bills, but your degree leads to your future. Think about what you will have to give up, and perhaps you can pick-up extra odd jobs if you really need the money. You might even be able to sell back your books on-line for extra cash. You are the best judge of your circumstances, but what ever you decide make sure you stick to it.

  2. Found-1 says:

    If you quit, it may not effect the amount of fin aid you’ll get so you have a big decision to make. Usually when people go to that school they are already borrowing the maximum amount they are allowed… quitting can’t increase it. Here is a good publication. Look in the back for the maximum federal loans you are allowed.
    My advise is to go to a cheaper school. You’ll get out with less than half the debt and be able to find a degree program that is comparable, just with a lot less fancy and expensive advertising.
    Good Luck.

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