Im 19, and will Be 20 in the End of November, Im tired of living in limbo with just a GED and want to build a foundation for success in life with education, I want to enroll in an associate’s degree
with the University of Phoenix online,
here is my situation
I work part-time (never know how many hours I will get week-to-week)
I have a debit card but dont really use it, i kinda keep it essentially just for online shopping and an emergency fund use, would it be better to sign up for a credit card (im thinking Chase)
and not worry about getting enough hours to pay for my education, in terms, I would essentially have worry-less continuation of being able to get my degree and then worry about the debt later in life.
is that better or should I just pay for it through working, I get an average of 9-20 hours per week, plus I have my cell phone bill and other spending habits i cant shake
I really think it would be better to pay with a credit card



I dunno why, but nobody really speaks highly of the University of Phoenix Online, and since you said you were considering transferring credits to a different university later on and finish your Bachelor’s, you might want to mail some of the universities in Delaware and see how many of them accept credits from UoP Online in the first place. That should give you an idea of how many credits gained from UoP Online are indeed transferable.
I tend to agree with the above poster’s opinion that community college is a good way of experiencing college life and also getting an Associate’s degree. Might even work out to be cheaper than UoP Online. If you were looking at UoP online to enable you to work full-time(Heaven knows we need the money to survive) and also get an education in the process so as to get ahead in life, you could seriously consider an ROTC scholarship. They take care of your education costs for a four year degree, and you will be expected to serve them for 4-8 years, depending on whether it is the Army ROTC, Navy ROTC or the Air Force ROTC. You go to a good college, and by 28 you could possibly enter the civilian workforce armed with a four year degree from a good college(if you can get yourself admitted to an Ivy, so much the better. Even otherwise, any good college will do) http://www.military.com/rotc
Even if joining the military was not on your mind and you wanted to work full-time while simultaneously working on your Associate’s, perhaps you could also look at other distance / online education providers before making up your mind to enroll with UoP Online. Some of them might even work to be cheaper and/or might involve credits that are indeed transferable.http://www.apu.apus.edu/index.htm
Do NOT enroll at U of Phoenix. There are ALWAYS better and cheaper alternatives.
U of Phoenix’ courses are substandard. Even if you do manage to transfer credits to a real college, you will be so far behind you be able to keep up with students who started out in a real school.
Most likely you will never graduate with a four year degree. Employers have been known to toss all job applications listing courses or degrees from U of Phoenix directly into the trash.
They will use your Pell Grant and get you loans. I would definitely advise against enrolling there. They have a bad reputation for putting people in a financial bind. I would attend community college first. It’s cheaper. Once, there, you can decide if cokege is really for you.
Check with all the community colleges in your home state, and see if they offer online courses and/or degrees. Many of them do, and they’ll be more reputable than U of P, and far cheaper. If you were to join the Guard or Reserves, they’d pay your tuition, up to the amount needed to go to a good public uni in your home state – so it would definitely cover a community college. You’d then need no loans.
The Guard will pay your tuition at a cc, plus give you a salary you could use to pay down any debt you do have; or to buy a car to allow you to take your classes on-campus. Then, when you transfer to a university, talk to them again – they may pay for your tuition there as well.
U of P and other for-profit, “as seen on tv” schools do not have good reputations with employers. And while your credits at U of P are eligible to transfer to other schools, if you take a highly vocational major (heath care admin, for example) rather than a standard liberal arts major, you’ll probably have difficulty getting most of your credits to transfer, because they are so vocational.
Even if you do go to an expensive school, you’ll finance it via your NG pay, your NG tuition reimbursement, and student loans. NOT credit cards – student loans. Student loans are far lower in terms of interest than credit cards are, and you don’t have to pay regular student loans back until after you graduate.
The best way? Don’t go to University of Phoenix in the first place.
It’ll be hard to “build a foundation for success” when you’re up to your eyeballs in student loan debt for a worthless UoP associate’s degree… and you can’t find a job and your credits won’t transfer to a real university.
If you’re serious about getting an education, go to a community college. An associate’s degree from a community college will cost you literally a fraction of a Phoenix associate’s (average of $6,000 vs $24,000!)… and the cc credits will actually be transferable to a respectable university.
I’m assuming you’re in Delaware, but here’s a list of all community colleges in the US. http://www.utexas.edu/world/comcol/state… Stick to the ones in your own state, because the tuition will be much cheaper than going out-of-state.
Consider this research and decision-making process the beginning of your education. Making good, informed choices is the foundation of success in life.
There is no good way to pay for that “school”. It exists for profit and costs a LOT more than real colleges. “Degrees” from there are worthless to employers. The credits are also very unlikely to transfer to any other school,
You have no idea how credit cards work and you are too young with too low of an income to get one anyway. You realize that you have to make payments on credit cards immediately, not “later in life” and even if you could qualify for a card, the limit would likely be far too low for you to put much on it. You’re in very dangerous territory with the way you are thinking about credit. Please do a lot of research on how credit works and how credit cards work before you even consider applying for one.
Enroll in your local community college – most will have online classes as an option. It is a LOT cheaper and you can transfer to a 4 year school later if you want. As far as paying for it, you can apply for financial aid at http://www.fafsa.ed.gov
Moral of the story: do not go to University of Phoenix at all.
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