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Rank: Frosh
Groups: Member
Joined: 3/29/2008
Posts: 9
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I have been accepted to school starting this July. I'm just wondering how everyone deals with all the financial hurdles. My course is fairly expensive, and requires a move two provinces over. I've gotten a student loan, but it hardly covers half of the $26,000 tuition. I've applied for scholarships, and am having a difficult time getting a student line of credit. Any suggestions would be greatly appreciated.
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Rank: Frosh
Groups: Member
Joined: 3/29/2008
Posts: 3
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Check with your university about bursaries. If your student loan won't cover anything, that likely makes you eligible - plenty of financial need. And the best part is bursaries are free money. You don't have to pay them back.
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Rank: Frosh
Groups: Member
Joined: 3/29/2008
Posts: 6
Location: toronto
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friz wrote:I have been accepted to school starting this July. I'm just wondering how everyone deals with all the financial hurdles. My course is fairly expensive, and requires a move two provinces over. I've gotten a student loan, but it hardly covers half of the $26,000 tuition. I've applied for scholarships, and am having a difficult time getting a student line of credit. Any suggestions would be greatly appreciated. i dont have any segggestians. but i am curious what program are you going into
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Rank: Frosh
Groups: Member
Joined: 3/30/2008
Posts: 11
Location: Canada
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If you get accepted to Waterloo, you can pay it off with the co-op program.
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Rank: Frosh
Groups: Member
Joined: 3/31/2008
Posts: 5
Location: Ontario
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The most important thing is to save as much as you can. I have recently started going shopping less. I got a job last year and save the money that I make. I have also applied to some scholarships which I am waiting to get. The other thing is to check the OSAP website. It is a very resourceful website, gives you lots of options.
Hope that helps
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Rank: Frosh
Groups: Member
Joined: 3/31/2008
Posts: 7
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Go to your school's Department of Advancement, and see what advice they can give you.
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Rank: Frosh
Groups: Member
Joined: 3/31/2008
Posts: 8
Location: delta
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a full time summer job will help alot, also whatever free time you ahve you should apply for scholarships, every little bit help and some times no one applies to so many scholarships and they just go un-used so don;t ever feel like theres no point jsut try try try
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Rank: Frosh
Groups: Member
Joined: 3/29/2008
Posts: 9
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For those wondering, I have been accepted to the international culinary school at the Art Institute in Vancouver. I'm handing in the wrenches (am a automotive mechanic) and becoming a chef!
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Rank: Frosh
Groups: Member
Joined: 3/31/2008
Posts: 7
Location: Canada
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friz wrote:For those wondering, I have been accepted to the international culinary school at the Art Institute in Vancouver. I'm handing in the wrenches (am a automotive mechanic) and becoming a chef! what made u change paths?
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Rank: Frosh
Groups: Member
Joined: 3/29/2008
Posts: 9
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I have worked as a mechanic for several years now, and have learned a lot. It is a very demanding job, and my body cannot handle after a car accident I was in a few years back. I have enjoyed being one of the only female mechanics in the city, and one of the very few in the province. I just saw it time to move on and do something else that I have a passion for. I have always enjoyed entertaining and cooking, so culinary school seemed like a natural move to help me refine my skills. Also, it's still a fast paced and hands on profession, which I couldn't do without.
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Rank: Valedictorian
Groups: Member
Joined: 3/5/2008
Posts: 561
Location: Kingston and Toronto
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How I make it work:
First year:
Savings $2000
OSAP ($7000 loan, $4900 grant) $11900
General Bursary $3500
Loan from my aunt & uncle $4000
Parents $2000
Total: $21400
Tuition $6000
Books $1000
Rez & Meal Plan $10000
Random (eating out, booze, clothing, trips home (@ $66/round trip), Christmas and birthday gifts) $900
Total: $17900
Leftovers: $3500, I gave it to my dad to play around with (he likes messing with stocks but doesn't make any money, he promised I will get at least the $3500 back, so I see no harm in that), I don't count it in my second year, I plan to use it to pay back my OSAP) loan
Second year
Summer Job (ten weeks) $4000
OSAP ($7000 loan, $4900 grant) $11900
Parents $2000
Total: 17900
Tuition $6000
Books $500
Food $1300 (eight months of the year)
Rent (with phone, internet, utilities) $6000 (I have to pay rent 12 months a year)
Random (eating out, booze, etc.) $1000
Total: $14800
Leftovers: $3100 (I am guessing, since the year is not over), $3000 will go to my dad to play with
Third year
Summer job (hoping for at least...) $5000
OSAP ($7000 loan, $4900 grant) $11900
Total: $16900
Tuition $6000
Books $600
Food $1300
Rent (with phone, internet, utilities) $6600 (rent up $5)
Random (eating out, booze, etc.) $1000
Total: $15500
Leftovers (I HOPE): $1400
I am really unsure about third year, I really don't want to take any money from my parents, so I am going to try and make more than $5000, and I am going to scrimp and save.
Uschi
Queen's '10
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Rank: Frosh
Groups: Member
Joined: 4/7/2008
Posts: 6
Location: Belleville
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I would definitely recommend getting a job or two. Even if it is on campus, get a part-time job. It might be hard to juggle school work and a job, but it's definitely worth it when you have money in your bank!
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Rank: Frosh
Groups: Member
Joined: 4/7/2008
Posts: 9
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BUDGET BUDGET BUDGET thats all I got to say. I am in third year going into forth and I work part time throughout the school year, spend very little money on entertainment although living off campus has been cheaper than living on campus so consider that. Use a full time job and save as much as you can to help. Keep applying to as many scholarships you can; check your province as well as the province you are entering and the school.
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