Early 30s F and never been married or had kids. Historically struggled with finances and jobs, planning to go to grad school and then get a PhD and become a college professor. Curious what themes others see in my chart, karmic lessons, etc. Thank you!
Hi all, first time posting. I (30F) need some help and am looking for ideas that I may not have thought of. Please be kind, I know I have made mistakes.
I have been accepted into a graduate program the next state over. It's close enough that I can commute until such a time when I can afford to move. Not ideal but it's an option. My family has come into some property where I would be able to have pretty cheap living expenses if I stay here (about $600). Then again, in-state tuition is substantially lower.
I finished my FAFSA and loans are capped at $20.5k per year...not semester, year. I know that this won't cover tuition and required fees, which are upwards of 30k for the year. Not to mention books and housing costs, transportation, etc. The graduate assistantships are already full, I was informed of this in my acceptance letter so that's not an option for this year. Besides which, I imagine those hinder on being local. I have no savings; I lost my job during COVID and employment has been a challenge ever since. I always manage to find a job, but have had historically bad luck with either management or pay (or in the case of my last job, both). Also as a result of unemployment during COVID, I had to file for bankruptcy in 2021, which makes finding private loans difficult as well. I'm unmarried and will not have roommates in the near future, and my family is not wealthy so I doubt they will be able to help much.
I'm kind of at a loss. I am so ready to get my life started and I really don't want to defer if I can possibly avoid it. After grad school I plan to get a PhD and be a college professor. A friend of mine suggested looking into an online master's program, but considering my choice of career, I feel like an online degree doesn't make the most sense for me personally. Despite my personal employment and financial failings up to this point, I am intelligent, warm, and a hard worker. I know that I will be a great professor, it's just getting there that feels impossible when you're 30, single, and broke.
Any advice is appreciated, and thank you if you've read this far :)