Personal Narrative: Student Loans

Superior Essays
One day my mother approaches my siblings and I with horrible news. We are moving to Western Kansas and taking over my grandparents farm. At the moment, my life halted, but this decision had a monumental impact on my ethics and values. That summer we moved out to Scott City and shared a house with our grandparents while we finished remodeling our house. During this time I worked for my grandfather on his farm and helped with multiple labor intensive jobs. Influentially impacting my life, my grandfather teaches me new lessons every day. Through his generous giving and hard-work ethic he has demonstrated to me how to approach life. Working with him every summer since I moved here, has taught me useful trades.
As a farmer you do frequent maintenance
…show more content…
The total estimate cost is around $24,000 (The Student Loan Report), and I still plan on applying for scholarships to assist me through my first year without taking out a loan. Although a loan may be practical, and there are a multitude benefits due to the loan from the William Carpenter Foundation in 4-H that is interest free insuring I do not pay extra for my education. Student loans also provide grace periods to allow you to find a job before they start acquiring too much interest. There are opportunities that make getting a loan favorable, but in my situation I believe that I will be able to leave college debt …show more content…
I cannot wait to start college, but planning is a major part of being successful, and I will plan to work during college and create opportunities for myself over the summer through internships and jobs. My mother and father have taught me to put myself out into the world and to not be afraid of making connections and new friends. This skill will help to establish connections with important companies, and it will allow me to find jobs faster and meet wonderful new people. I will also use what my teacher has taught me about financial planning and situations I will experience in college. I am beyond great full for the experiences I have had and how they will impact my future career and

Related Documents

  • Decent Essays

    Help! I’m having issue with a file in Max. Customer had a credit freeze on credit report. Customer released the credit and I called our credit vendor to release credit freeze on our end.…

    • 84 Words
    • 1 Pages
    Decent Essays
  • Improved Essays

    I would have to say that Ms. Ernestine Dawson who is apart is Delta Sigma Theta Inc. has made an impact on my life. I have been alive now for about 18 years and my parents have introduced me to many people. People who want to know all about my life. People who want to help me live my life. Then there were other people who didn't really seem to care much about me.…

    • 569 Words
    • 3 Pages
    Improved Essays
  • Superior Essays

    Laredo Turning Points

    • 1219 Words
    • 5 Pages

    The next turning point would another misfortune, and my mother was hit by a car crossing the street from her place of employment in the parking lot at Laredo Texas. My mother was in critical condition, and the car that hit her fractured her ribs, pierced her lung, and she broke her own teeth. I have a younger brother who lives in Atlanta, Georgia; nevertheless, one of us was required to move back to Laredo, Texas. I decided it would be myself; consequently, my mother has always been my rock, so now it was my turn. My brother, David was working on two Masters, and it was the rational decision.…

    • 1219 Words
    • 5 Pages
    Superior Essays
  • Improved Essays

    Student Loan Crisis A Myth

    • 1036 Words
    • 5 Pages

    Who would have thought to be a graduate there is a most likely chance that you end up with a degree that won’t give you the assurance of a job and an endless college loan debt? Well, there’s a good chance it might not be you but throughout United States majority of college graduates are dealing with this issue at this moment. People are contemplating whether or not “Is the student loan crisis a myth?” within these articles in the book of 13th edition: Patterns College Writing by Laurie G.Kriszner and Stephen R.Mandell. However, I disagree that this student loan crisis is a myth because of certain economic limitations within the society that prevents college graduates that have loans to be debt-free.…

    • 1036 Words
    • 5 Pages
    Improved Essays
  • Improved Essays

    Life's a journey worth taking the unbeaten path. That is why, despite looking up to my loving parents and having the utmost respect for them, I have taken a different road than they did. However, undergoing any challenge without their guiding experience can certainly prove to be an undertaking. I, a first generation college student, am the pioneer of higher education for my family. Though I join many others in lunging out into the world for the first time, I am doing so without having a father or mother to tell me how to tackle the college experience.…

    • 447 Words
    • 2 Pages
    Improved Essays
  • Improved Essays

    The Student Loan Crisis

    • 972 Words
    • 4 Pages

    People need to be aware of the issues on education and education reforms. The educational system requires people to pay thousands of dollars for a higher education. Students from all over the nation are forced to take out loans that put them into debt for most of their life. Low-income students also do not have many options nor are they able to afford higher education. The cost of education will keep on getting higher and higher as time progresses and the next President and Congress needs to focus on this problem for students who are in college and for the students who will be attending in the future.…

    • 972 Words
    • 4 Pages
    Improved Essays
  • Improved Essays

    In today’s American society, going to college is almost necessary to be equipped with the essentials to be highly successful in life. Many career paths require a college education and having a college education can give you an edge on others when applying for jobs that do not necessarily require college education. In order to go through college, the school must be compensated in some way as payment for educating, so there are many ways to do this: obtain grants, scholarships, pay with cash, or take out student loans. However, all of these options are not good. Taking on student loans to pay for college is not a good idea despite when people say a student loan is a good debt because you are learning; student loans can ruin future life plans and be a great burden on…

    • 449 Words
    • 2 Pages
    Improved Essays
  • Decent Essays

    My college life started in the summer of 2012, all of my hopes and ambitions were suspended in mid air. The apogee of the first year of my college life in spite of facing the stigma of my age group; was that of the support I received from the instructors in helpimh making my career goals obtainable. During the second semester of my third year of college I started losing my passion. I changed my major from Anthropology to Criminal Justice and tried to keep going. However; needing to take a step back.…

    • 115 Words
    • 1 Pages
    Decent Essays
  • Improved Essays

    College And Debt Essay

    • 1564 Words
    • 7 Pages

    College is a source where students get the golden ticket of their dreams. A lot of high schoolers might have a dream to attend college one day to gain more knowledge but to get higher degree one might need a lot of money, and colleges will give chances where people can take loans but when it leads to debt it can be worrisome. According to the Journal of Financial Counseling and Planning (Volume 27) , “Going to college without enduring student loans is impossible and most students do not know much of what they will be repaying”. Attending college is profitable but the debt makes it very tough. An article by Joel Elvery, an economist in the Federal Reserve Bank of Cleveland indicates that “Americans owe nearly $1.3 trillion in student loan debt, spread out among about 44 million borrowers”.…

    • 1564 Words
    • 7 Pages
    Improved Essays
  • Improved Essays

    Student Loan Crisis

    • 818 Words
    • 4 Pages

    These days, it is common knowledge that college is expensive. Most who attend college must take out student loans to even afford it. Although some believe the student loan debt crisis is purely fictional, the student loan crisis should not be considered a myth like Chris Lewis and Layla Zaidane suggest in their article “Here’s Your Crisis: Student Loan Debt Isn’t a Myth.” Due to financial aid and students not taking advantage of student loans, people believe student loan debt should not be considered a crisis, while others argue high college tuition rates and the weak job market are reasons to believe it is a real problem. One reason people think the student loan debt crisis is mythical is due to the financial help students usually get.…

    • 818 Words
    • 4 Pages
    Improved Essays
  • Improved Essays

    Best, J., & Best, E. (2016). The shifting landscape for student loans. Society, 53(1), 51-55. doi:10.1007/s12115-015-9972-5 This scholarly article discusses how student loan policies are leading to repayment problems for graduate students. It discusses how the majority of policy proposals are set up for students with higher loan balances rather than those with lower balances.…

    • 1145 Words
    • 5 Pages
    Improved Essays
  • Improved Essays

    Student Debt Essay

    • 769 Words
    • 4 Pages

    Millions of post-grads find themselves with student-loan debt in amounts that are outstanding. While the Pell Grants and other forms of aid exist, balances amount so high that students find them paying them off near their later years in life such as fifties or even sixties. Many claim that jobs acquired after attending college to not supplement enough for a successful lifestyle and for payment of this debt. This leaves many to question the the worth of investing in a higher education. Does it pay off in the long run, even with tremendous student debt?…

    • 769 Words
    • 4 Pages
    Improved Essays
  • Improved Essays

    Essay On Student Debt

    • 1075 Words
    • 5 Pages

    Student loan debt has increasingly become an issue, not only for those who have acquired it and must deal with it, but also for the economy. To function normally in today’s society, pursuing a college education is a requirement for those who want a high paying job. With this decision, students also decide to take on large amounts of student loan debt and the long-term turmoil that it inevitably leads to. Student loan debt impacts students purchasing power which negatively impacts the economy. Over 42 million people owe $1.3 trillion in student loans (Rosato).…

    • 1075 Words
    • 5 Pages
    Improved Essays
  • Improved Essays

    Student Debt Essay

    • 1168 Words
    • 5 Pages

    Game of Loans Education should not be a debt sentence. However, according to Mark Kantrowitz in The Wall Street Journal, the average student this year will have to pay back more than $35,000 in student debt (Sparshott). Statistically, that is more than buying a new 2016 car or truck, which averages around $33,560. For a college student that is just graduating and makes less than 30K a year, that is outrageous!…

    • 1168 Words
    • 5 Pages
    Improved Essays
  • Decent Essays

    I will make sure my academic plan works out for my college career, because I am very goal driven and I will not accept failure. Some of my strengths include being goal focused, having the drive to keep myself on task, and being brutally honest with myself by accepting and asking for help when I need too. Some areas that I need to work on include time management because I am working full time, staying focused on assignments that I see no interest in, and taking point during group projects so my potential group can stay on task and accomplish assignment. I think the two courses I will really like from my major would be GAM-207 Information Technology and Game Design and IT-340 Network and Telecomm Management. I have always found networking and…

    • 839 Words
    • 4 Pages
    Decent Essays