Free printable scholarship certificates | | Free Printables: it MUST be free

National Security Language Initiative for Youth (NSLI-Y) Scholarship: Fully funded by the U.S Department of State, NSLI-Y provides intensive 8-week language & cultural immersion programs in locations around the world. The program is part of a U.S. government initiative to foster international cooperation by ensuring that Americans have the linguistic skills and cultural knowledge necessary to effectively communicate. NSLI-Y provides overseas critical language study opportunities to American youth through merit-based scholarships to spark a lifetime interest in critical foreign languages and cultures.
The program schedule consists of 4 hrs of language study at a local school, cultural excursions after school, free time, time w/ host family, homework.
Pros • Free travel to Indonesia, low income so might be only chance • Learn Indonesian language • Love traveling/ study abroad (my dream) • I’ve been focused on school, I want a break before college • Meet new friends • Could help me get other study abroad • Intangible benefits: personal growth, language, etc. • Short term fun • Can leave home earlier
Cons • College starts the day after I get back (3 hrs away) • Orientation dates are when im gone so I wont be able to go in person • Will probably attend a virtual orientation but its when im already gone • Only chance to participate
Government Internship for rising college freshman: Engineering internship at an Air Force Base w/ a college prep element. 1st & 2nd years do college/ life prep & engineering. 3rd & 4th years are placed on a team.
Pros • If I stay in the program, they will most likely offer a job (main purpose of program) • Guaranteed internship throughout college if I keep a 3.0 GPA • I’ll make around 6,000 (Salaried 30k+) • Salary increases every summer • College prep themes every week: guest speakers in industry, mentors, life lessons, “college hacks”, etc. • Project-based learning assignments: Learn coding in python (currently a beginner), build & program hardware, etc. • Can use all base amenities • Head start to learn Computer Engr & mentorship as first gen low income • Tangible benefits: money, engineering skills, career advancement, etc. • Long term advancements
Cons • Would be giving up other summer opportunities • If I decide I don’t want to do it anymore, I’ll regret not doing NSLI-Y Indonesian summer • Won’t be able to apply until sophomore year & the college prep isn’t included • If I get the post college job, I’ll have to move back near my hometown
I’m really conflicted on what to chose because I really love to travel, and I feel like going on the study abroad will be really beneficial to me. Though a lot of people have told me it would be stupid to pass up this internship because there are so many other study abroad opportunities. But I feel like there are other internships and I’ll be working the rest of my life so I should just enjoy the summer. At first I was gonna chose study abroad then I started to reconsider bc I fear that I won’t be good enough in engineering to get another internship in college.
So would I be “stupid” to pass up this internship for the study abroad?

Hi! I'm looking to transfer po either with HAU or AUF, possibly Computer Engineering or Electronics Engineering.
Ask ko lang po sana saan mas okay? But of course, I'm inclined to choose the univ na mas mababa tuition and where it's more plausible for me to get a scholarship po. Any other related information or detail is appreciated so feel free to share.
Edit: Ask ko na din po pala if any of the two universities have exams for scholarship or merit based lang? I know I can pass the exam po sadyang kapag merit based kasi I'm at a disadvantage due to my previous toxic learning environment and my grades are pretty subpar now.
Thank you in advance!

Good day! Is that real to accepted with scholarship from the waiting list. I was offered on 28th of March. HKBU extent my application from 30th of April to 30th of June. My academics is: IELTS 7.0 GPA 4.7 UNT predicted (National exam I am foreign student) 131/140 Have a lot of achievement as: 1) Seattle Education Department internship 2) International Olympiad of the Moscow Institute of Physics and Technology - 3rd Place. 3) MIPT internship for design work. 4) Nazarbayev University Ychem - republican conference. 5) young alpharabi from KazNU - certificate of honor 6) Network Olympiad among NIS 9th and 10th grade 3rd place 7) Novosibirsk State University Olympiad preparation

hi i got accepted to lkc med, i vaguely heard from the students at the whylkc event that they use ipads a lot, and on the website they said "all students are issued with an iPad". can someone help explain to me if this issuance is free or if there is a cost how much is it? i'm worried bc medicine fees alr so expensive and i didnt qualify for any scholarship...

So I’ve recently graduated cosmetology school and a little over a month ago I began working at a high end salon as a assistant and now moving to working one on one with a senior stylist. My dilemma is that I came into this industry to specialize in natural/curly hair and although my salon offers a ton of education and classes, none of it aligns with my primary goals in this industry. Some stylists do work with curls but I don’t feel like I’d be learning anything from them. On the contrary, I’d be teaching them and I still have a TON to learn in what I want to specialize in. Although I know the more you know the better in this industry, and I am learning and also am interested in being a well versed stylist, but I can’t fight the feeling that I’m straying from why I even started all of this and this is starting to make me feel less than excited to go to work. There aren’t many curly specialists in my area so this is making it tough for me to find a mentor or someone that I feel like I could really learn from. I’d say I definitely have to be more of a go getter and fly solo to get myself positioned in the industry but this is where I’m struggling on what to do. Also, the salon I work at doesn’t booth rent and it’s the typical stylist level 1 40/60 commission and go up from there by experience but I don’t think it would be right that I’m paying out of pocket for these pricey curly classes/certifications to then go to a salon and only make 40% especially when I’d be the only stylist there that could offer true curly cuts and styles. Maybe it’s something I can negotiate down the line but who knows. So my question is should I stay at the salon or would it make more sense to go all in solo? I know this is not recommended but I was thinking of just doing hair out of my house for now until I build my clientele up enough to booth rent because I really don’t see any other way to take off in this specialty while working for a salon and I already feel like I’ve wasted enough time dragging my feet in my area of focus. I regret not making better use of my time while in school but that’s not here nor there.
For background, the reason I can’t do both is because I am a single mom juggling 2 jobs so my time is very limited and I don’t want to take the little free time I have away from my kids so I’d have to sacrifice something and it can’t be my bread winning job because well, that’s how I support myself and my family. I’m only part time at the salon and make pennies so financially it wouldn’t be a hit to me. Sorry for making this long and thank you in advance for any knowledge or insight offered!!

Hi! I’m applying for law schools soon, I don’t have a lot of money to waste on applications that I have no chance of being admitted to. (I did get the fee waiver for the LSAT and it said i could get reduced-free applications to some schools but idk which) I’m a scholarship student: History Major at the University of Colorado. I’ve got good scores but no extracurriculars besides a fellowship I did with T. Rowe Price my junior year. I’ve got a good story coming from generational poverty and addiction and getting myself through undergrad while working full time with a disability, but honestly I don’t want to focus on that too much. I also can’t go to grad school if I don’t get pretty much full tuition in grants and scholarships. With that in mind; do I have a chance at any T-14s? Where can I get the most aid? What applications are the best use of my time and money?

This thread is for all SPM related discussions, may it be results, universities, courses etc. The intention is to help school leavers talk about the SPM in one central spot on the subreddit.
For both public school and private SPM candidates, you can check your results online at myresultspm.moe.gov.my or retrieve via SMS by sending SPM < space> IC number Examination number (Angka giliran) to 15888. Example: SPM 000527031234 WY189A123
Mental health resources

If you are feeling intense emotional distress and need someone to talk to, please call (a) the Befrienders Suicide Hotline at +603-79568145, (b) Talian Kasih at 15999 any time 24/7, or (c) the Buddy Bear Childline at 1800-18-BEAR (2327) if you’re under 18
More mental health resources

Links to relevant post-SPM posts

For young Nyets who are interested in TVET (Pendidikan Teknikal Dan Latihan Vokasional):

Apply to TVET courses (Pendidikan dan Latihan Teknikal dan Vokasional) offered by 7 different ministries and over 15,000 spots through https://mohon.tvet.gov.my/
Skills For Life programme by Youth and Sports Ministry that offers basic skills training to local youth through short-term courses. Registration link
Apply to SKM (Sijil Kemahiran Malaysia) courses. Check out Group SKM on Facebook for opportunities
Program Latihan Kompetensi Kemahiran Belia - sponsored fully by CIDB (Construction Industry Development Board) in 6 campuses; Kedah, KL, Johor, Terengganu, Sabah and Sarawak

Education Fair Dates

TheStar Education Fair in Penang, KL and Putrajaya
StudyMalaysia Education Fair in Sabah and Sarawak - (22-23 June and 29-30 June)
SureWorks Education and Further Studies Fair in KL and Johor
Jelajah Jom Masuk U

Free courses to explore new/existing interest:

National Training Week (NTW) 2024 from 24 – 30 June, when up to 150,000 free training courses covering essential life skills, future readiness, creativity, financial literacy, and sustainable development
e-Latih - free e-Learning platform for Malaysians with over 1800+ courses
Free digital tech training by MDEC
42KL - Learn to code for free (F2F classes)
FreeCodeCamp - Learn to code for free
EdX (choose free audit track)
Coursera

Volunteering/internship after SPM:

Kechara Soup Kitchen [Link]
SPCA Selangor Link
MNS (Persatuan Pencinta Alam Malaysia) [Link]
WWF Malaysia Link
MyKasih Link
Free Tree SocietyLink
AIESEX Link

General Scholarship info links

Fully Sponsored Overseas Scholarships

The moderation team will be removing any SPM-related posts - please share your advice threads, rants, and memes on , on the Daily Discussion Thread, or in this post.

National Security Language Initiative for Youth (NSLI-Y) Scholarship: Fully funded by the U.S Department of State, NSLI-Y provides intensive 8-week language & cultural immersion programs in locations around the world. The program is part of a U.S. government initiative to foster international cooperation by ensuring that Americans have the linguistic skills and cultural knowledge necessary to effectively communicate. NSLI-Y provides overseas critical language study opportunities to American youth through merit-based scholarships to spark a lifetime interest in critical foreign languages and cultures.
The program schedule consists of 4 hrs of language study at a local school, cultural excursions after school, free time, time w/ host family, homework.
Pros • Free travel to Indonesia, low income so might be only chance • Learn Indonesian language • Love traveling/ study abroad (my dream) • I’ve been focused on school, I want a break before college • Meet new friends • Could help me get other study abroad • Intangible benefits: personal growth, language, etc. • Short term fun • Can leave home earlier
Cons • College starts the day after I get back (3 hrs away) • Orientation dates are when im gone so I wont be able to go in person • Will probably attend a virtual orientation but its when im already gone • Only chance to participate
Government Internship for rising college freshman: Engineering internship at an Air Force Base w/ a college prep element. 1st & 2nd years do college/ life prep & engineering. 3rd & 4th years are placed on a team.
Pros • If I stay in the program, they will most likely offer a job (main purpose of program) • Guaranteed internship throughout college if I keep a 3.0 GPA • I’ll make around 6,000 (Salaried 30k+) • Salary increases every summer • College prep themes every week: guest speakers in industry, mentors, life lessons, “college hacks”, etc. • Project-based learning assignments: Learn coding in python (currently a beginner), build & program hardware, etc. • Can use all base amenities • Head start to learn Computer Engr & mentorship as first gen low income • Tangible benefits: money, engineering skills, career advancement, etc. • Long term advancements
Cons • Would be giving up other summer opportunities • If I decide I don’t want to do it anymore, I’ll regret not doing NSLI-Y Indonesian summer • Won’t be able to apply until sophomore year & the college prep isn’t included • If I get the post college job, I’ll have to move back near my hometown
I’m really conflicted on what to chose because I really love to travel, and I feel like going on the study abroad will be really beneficial to me. Though a lot of people have told me it would be stupid to pass up this internship because there are so many other study abroad opportunities. But I feel like there are other internships and I’ll be working the rest of my life so I should just enjoy the summer. At first I was gonna chose study abroad then I started to reconsider bc I fear that I won’t be good enough in engineering to get another internship in college.
So would I be “stupid” to pass up this internship for the study abroad?

This may be a bit of a rant as well but there’s so much going on in my head right now, I have no real direction.
I never really thought I was neurodivergent until the last couple of years after I had my son. Started with depression due to my ex husband wanting a divorce and cheating on me while I was pregnant. My “symptoms” have exploded since then and continue to get worse. My PCP at the time didn’t think there was anything wrong and put me on sertraline to start. I weaned myself off and had been med free until this year when it would have been my 5 year wedding anniversary. i had found a drop of hope with my new job who effected housing and good pay for my experience in the field. I moved on site at the end of January 2024. I found a new pcp a month ago and she said I had to get evaluated by a specialist in order for her to prescribe medication, and she also put me on a new antidepressant: a Wellbutrin XL. Shortly after that visit I found out my health insurance was no longer valid. This past Monday, I was laid off my job and given a month to find new housing. My divorce/child possession decree stated I had to live in this county. No child support. I’m devastated. I don’t have any real family to help and nowhere to go. I feel like my brain has been rotting for the last couple of years. I get distracted super easily and it’s difficult for me to stay on task. With no official diagnosis, and I can’t afford to seek out a specialist, I’m feeling incredibly defeated and lost.
Does anyone have any advice on how to obtain any kind of assistance? Housing? Healthcare?
How do those of you with adhd/autism cope without medications? What kind of jobs do you have? My only job experience has been in veterinary clinics/customer care. I have no degree or certifications. Are there any work from home options that would allow me to make my own schedule, since I cannot afford childcare?
I’ve already gotten distracted from this, so I’ll end it here. Thank you so much for any help you may have to offer.

Have been a HiltonHonors member for a long time but never really did a whole lot with it. Have now picked up the Surpass card and considering picking up a 2nd for my wife. I've never had an FNC before so was wondering if (a) do they ever expire and (b) are they really pretty much universal (as in, you can use them at just about ANY property)? Also, if we accumulate four or five of these, will a property allow you to use multiple FNC's during the same stay? If you have any tips for us noobs, would love to hear them.

Hello redditors of antiMLM,
Just this week, I received an email from a relation advertising FOREVER—not to be confused with Forever Living. Searching through this sub, I found a few short references over the last years with little detail. In one, a commentor described FOREVER stating "as mlms go, it seems ethical." Every red light went off while I looked into these “FOREVER Ambassadors.” I then began a search, with much of the ultimate work done by my spouse. It took longer than seemed acceptable to identify this MLM for people who glanced over the internet. FOREVER is not listed on any of the MLM databases I could find from this sub or elsewhere. Based on the mandatory “FOREVER Ambassador Community” on Facebook, now 8 years old, at least 2,500 people have gotten into their clutches at some point (I haven’t linked because I think it might be against the sub rules).
Thus, for the benefit and enjoyment of the people, here are references for the community to identify a yet-another-multi-level-marketing scheme. I am a sarcastic person, so be forewarned. All sources were publicly available and required no logins or access.
TABLE OF CONTENTS
(1) Background of the FOREVER business model
(2) The FOREVER Ambassador program
(3) Costs of serving as an Ambassador
(4) Compensation advertised for Ambassadors
(4a) Income in cash from personal sales
(4b) The downline system used by FOREVER
(4c) Non-monetary-achievement compensation
(5) FOREVER Ambassador Business Training
(6) Conclusion down to brass tax on FOREVER
STUDY OF FOREVER
(1) Background of the FOREVER business model
FOREVER is an online service that advertises it can be a “permanent digital home that lasts for many generations.”[1] This is to be accomplished via a so-called “FOREVER Guarantee Fund” that invests to pay for digital storage for over 100 years.[1] Their website promises me that “permanent” is “not a buzzword”—I think that’s the Platonian ideal of a buzzword.[1] Regardless, this is not a quality review post.
(2) The FOREVER Ambassador program
The sellers used by FOREVER are called “FOREVER Ambassadors.”[2] As advertised, it looks like a classic MLM pitch. You can “earn up to 35%” commission” while having “the freedom to work from home, and the flexibility to make money on your own schedule.”[2] FOREVER lists various opportunities, such as “trainings” and the ability to “learn and grow with friends,” as well as “make life-long friends.”[2] As part of the “Meet our Team” webpage for corporate FOREVER, there are multiple “Executive Ambassadors” listed.[3] There is no barrier to entry on experience required to become an Ambassador.[4] I observed that, throughout the internet and on the FOREVER website, the vast majority of Ambassadors are women—as you know, many MLMs target women and moms.
(3) Costs of serving as an Ambassador
FOREVER has, at minimum, an “Annual Ambassador Fee” that is the primary cost to entry of the program.[2] For $179 a year, one would receive “back office tools,” various marketing materials, and “countless opportunities”—maybe money, but more on that soon.[2] There is a link to an Ambassador’s own selling website.[5, at 22] This Ambassador fee “is subject to change over time.”[5, at 25] There is also a FOREVER Merchandise store where Ambassadors can get their supplies.[6] These include a 40-pack set of catalogs for $44.99 and a $144.99 tablecloth for potential customers during in-person events.[6]
For Ambassadors, FOREVER advertises there are “free training events.”[5, at 25] Each year, for $399 in 2024, Ambassadors can attend the 3-day “FOREVER Live!” event.[7] It is in the destination getaway of… next to their headquarters in Pittsburgh, PA (I’m sorry Pittsburgh, you’re a beautiful city).[5, at 24] It is also possible to pay for a “p2P Virtual Party” and “p2P Live Events,” but is unclear what those mean.[5, at 5] Various “ranks” of Ambassadors receive a “monthly stipend” starting at $25 a month after $15,000 total in personal plus team sales a year.[5, at 9]
(4) Compensation advertised for Ambassadors
(4a) Income in cash from personal sales
FOREVER pays its Ambassadors based on a “cash sales” versus “full sales” system.[5, at 5] The too-long-didn’t-read summary is that some products are paid less commission than others because of “margin” of different products.[5, at 5–6] Critically, the Personal Commission Rate is where our story kicks into gear. At the bottom, an Ambassador who sells less than $2,000 a year in sales receives the windfall of a 15% commission.[5, at 7] The number rises to 34% once sales are $90,000 or greater in one year (I don’t know where the 35% from earlier went).[5, at 7] However, to earn the 20% commission or more once one passes the $2,000 sales amount requires completion of the “FOREVER Ambassador Business (FAB) Training.”[5, at 7] I read it, more on that later.
You might ask, “Is there a sales quota for FOREVER® Ambassadors?” FOREVER says “no.”[8] However, the less one does the less FOREVER pays Ambassadors for what they do (this chart is older than the Compensation Guide cited).[8]
(4b) The downline system used by FOREVER
Of course, while it took forever to reach here, we come to the “downline” process—FOREVER’s words, not mine.[9] FOREVER immediately identified that new Ambassadors “choose another Ambassador to mentor you as you grow your business” (I do not know if this means an upline).[2] Nevertheless, “Team Sales” are compensated by FOREVER down to the 5th Line.[5, at 9] If an Ambassador does not build a team, then they do not earn Team Commissionable Cash Sales Commissions.[5, at 9] FOREVER states that getting new Ambassadors “to sign up under your name” is how you help “further your business.”[9]
However, even if an Ambassador builds a team, they receive a very restricted downline compensation if they do not make a minimum of personal sales.[5, at 9] For future reference, an “Associate Ambassador,” the bottom, makes less than $2,000 and earns no downline sales.[5, at 9] An “Ambassador,” second to last, is the first rank with a downline commission (4% for 1st Line), requiring $2,000/personal a year.[5, at 9] To reach “Senior Ambassador,” third to last, and above, a FOREVER Ambassador must start earning exponentially greater amounts of personal plus team sales to rise in the “ranks.”[5, at 9] A Senior Ambassador requires $8,000/personal but $15,000/gross, and is the first to get 2nd Line commission (4% for 1st Line and 2% for 2nd Line).[5, at 9] It is unclear to me if “new members” must be recruited “each month” to rankup—the website says so, but I see it nowhere in the Compensation Guide.[8]
At the top of hierarchy, there become two “Executive Ambassadors.”[5, at 9–10] These ranks start at $28,000/personal and $250,000/gross a year.[5, at 9] As well, one must have at least three “Team Leaders” in their 1st Line.[5, at 10] Team Leaders refers to Ambassadors who have themselves reached the rank of “Associate Lead Ambassador” ($12,000/personal and $30,000/gross).[5, at 9] FOREVER advertises that the Executive ranks are for—and I am not making this up—those Ambassadors who are “grooming FOREVER Leaders on your team below you.”[5, at 10] Irony is dead folks.
(4c) Non-monetary-achievement compensation
Because being paid to work is overrated, FOREVER will also provide “Additional Benefits” to its various ranks. As an Associate Ambassador, you can join the aforementioned Facebook Group and hear the CEO talk on a monthly phone call.[5, at 11] Regular Ambassadors also get a certificate to put on their wall.[5, at 11] Senior Ambassadors get a standing ovation at FOREVER Live!—you can even be ovated on stage as an Associate Lead Ambassador (I would pay $179 a year to not).[5, at 13–14] My observation is that a lot of ranks mostly provide additional types of standing ovations at FOREVER Live! and reserved seats for dinners there.
But then you can reach the pinnacle of Everest (that much like the real one, other people just carry you up there): the Million Dollar Club.[5, at 20] For making $1 million in personal and team sales in a year, one will earn a single $10,000 dollar bonus.[5, at 20] If you are then a “top-performing Ambassador,” one can be taken on the “Achievement Gathering,” to Jamaica in 2024, to mill around with other top-performing Ambassadors—and the corporate staff.[5, at 24] There is no mention how many people earn it or how much must be earned.[5, at 24]
(5) FOREVER Ambassador Business Training
I mentioned earlier that Ambassadors must complete a “FAB” training to receive more than 15% in commissions.[5, at 7] To hit this post home, I wanted to identify some highlights. The FAB training has 5 Steps to reach regular Ambassador status.[10, at 4] These Steps include such activities as “Meet with your Upline” (Step 1), “Connect with your Upline” (Step 2), “Meet with your Upline” (Step 3), “Meet with your Upline” (Step 4), and “Meet with your Upline” (Step 5).[10, at 7, 10, 12, 14, 16] You also have to join the FOREVER Facebook group and any created by your Team (just “ask your Upline” to find it).[10, at 6–7] There’s a task in Step 2 to create an introductory “Share List,” with five lines each for “Friends,” “Teachers,” and your own “Parents/Grandparents.”[10, at 7–9] For an unclear number of hours, you must attend multiple weekly and monthly “training opportunities” and “calls.”[10, at 6–7, 10] And one last item, to rank up in FOREVER, you must register for an upcoming event.[10, at 12] As of writing, the only one listed on the linked webpage is the $399 FOREVER Live! conference.[11]
(6) Conclusion down to brass tax on FOREVER
I was unable to find an Income Disclosure Statement for FOREVER. However, basic math tells us that an Associate Ambassador, the bottom, can only earn up to $300 a year.[5, at 11] To reach regular Ambassador, which includes signing up and beginning all the time sinks listed above, the maximum personal commission is $1,200, in addition to whatever downline (however big those are on average).[5, at 11] Without a downline, even the top-bracket personal sellers are the only ones to earn more than $30,000 a year.[5, at 7] The Federal Reserve Bank of St. Louis estimates that the Real Median Personal Income in the United States for 2022 was $40,480.[12]
There is one way to make it with FOREVER: to build a downline. It’s a multi-level-marketing scheme, and no one should join it. Unless of course, you want to join my downline—I promise you'll be rich just like me.
LIST OF REFERENCES
[1] “Our Story,” FOREVER.com (accessed May 18, 2024), https://www.forever.com/our-story
[2] “Become a FOREVER Ambassador,” FOREVER.com (accessed May 18, 2024), https://www.forever.com/opportunity
[3] “Meet Our Team,” FOREVER.com (accessed May 18, 2024), https://www.forever.com/our-story/team
[4] “What is required of me as a FOREVER Ambassador?,” FOREVER.com Support (accessed May 18, 2024 [updated “2 years ago”]), https://support.forever.com/hc/en-us/articles/215823437-What-is-required-of-me-as-a-FOREVER-Ambassador
[5] Ambassador Compensation Guide, FOREVER (Jan. 31, 2024), https://www.forever.com/app/users/forevealbums/ambassador-kit/f3ii4wzeewd0nfwg4nb40kyw1/files/1043b0c6-de01-4aff-a1e3-83db7e6b1b17
[6] “FOREVER Merchandise,” FOREVER.com Ambassador Training (accessed May 18, 2024), https://www.training.forever.com/store
[7] “FOREVER Live! 2024,” FOREVER.com (accessed May 18, 2024), https://www.forever.com/events/forever-live-2024
[8] “Is there a sales quota for FOREVER® Ambassadors?,” FOREVER.com Support (accessed May 18, 2024 [updated “2 years ago”]), https://support.forever.com/hc/en-us/articles/215142548-Is-there-a-sales-quota-for-FOREVER-Ambassadors
[9] “Downline,” FOREVER.com Support (accessed May 18, 2024 [updated “2 years ago”]), https://support.forever.com/hc/en-us/articles/221072448-Downline
[10] FOREVER Ambassador Business Training, FOREVER (May 14, 2024), https://www.forever.com/app/users/ambassador-training/albums/02-forever-ambassador-business-training-booklet/qcg622q43zy6835w9ojq3wkw/files/f0bd2387-bb14-43a2-a46d-344a91470147
[11] “Events,” FOREVER.com (accessed May 18, 2024), https://www.forever.com/events
[12] “Real Median Personal Income in the United States,” Federal Reserve of St. Louis (accessed May 18, 2024), https://fred.stlouisfed.org/series/MEPAINUSA672N
POST EDITS
A few formatting errors and a minor phrasing correction.

note: sorry if this post is poorly formatted, first time poster
I [M 21] am the youngest of three siblings in a household with recently divorced parents. It’s currently an awkward living situation where my father, mother, I, and soon my sister are living in the same house so as to cut costs (my older sister is a fulltime student, and my brother is living his own life. I commute from the house to both college and my full-time internship), as well as because there’s still a chunk of mortgage left to pay ($130,000). I’ve been seeing the divorce weigh heavily on my father and his health, and I really want to pay the house off so he and my mother can go on their separate ways as quickly as possible. This is the first year I’ve been working full-time while doing school, and my annual salary is about 40k after tax, and will jump to 55k after tax during the full time summer internship. I’ve just graduated with a bachelor’s in Finance, but want to continue for my Master’s in Accounting so I’ll be going to school still for the next year (last year until I graduate with a Master’s). It’s currently being paid for with a full scholarship, so I want to finish my fourth year because it’ll complete my schooling for free. I currently have 22k saved distributed in an HYSA (10k), Roth-IRA (5k), mutual funds account (5k), and stocks (2k).
My guaranteed future cash flow will come from the following until I graduate with my Master’s degree.
~14k from fulltime summer internship 2k stipend from fulltime summer internship 8k stipend from scholarship
Any thoughts of what I should or could be doing differently? I’m planning on getting a full-time job during my master’s degree, but I honestly don’t know how I’m going survive the workload alongside 4 graduate degree classes per semester. Any financial advice would be appreciated, as I’m quite new to all of this. Thank you.
Edit: in my haste, I forgot to mention other key facts, but generally my father doesn’t like to divulge information about his income, so all I can say is that the mortgage hasn’t been paid fully in the 8 years we’ve been living in this house, and that it was originally a 350k house that is now worth 600k. There is 130k left in mortgage payments, and once it’s paid off my father plans to sell the house, either to one of his sons (if we have the money for the down payment) or on the market, paying my mother what he owes her, and living his own life with the rest of the money (generally speaking 400k).
I’m wanting to be able to pay off the house, but unsure of buying it because of all of the talk about how the housing market is ass, and that it would be an expensive purchase for someone who would live alone for the next couple of years in a house with a master bedroom and 3 other bedrooms.

I really want to start the course, I have a CISCO certificate in python and would like to add over it something AI oriented and this course is a match-in-heaven. (Plus you get to brag about a HARVARD certificate in your linkedIn) But I'm really fearful that I have to pay $300 for the certificate as I can't se a way to get it for free.
so if anyone passed the course and got the certificate for free please teach me how is it done?

Backstory: My husband runs a food truck with his mom in the summer and maintains a daily full time job, I work full time in mental health. We often bicker about everything from who forgot to fill the water pitcher last to whether our mother's are disrespectful to each other. We have a pattern of questioning each other on stuff we know the other knows more about. Further context, I don't work on his truck, but I do maintain the paperwork side of it (accounting, licensing, food safety certifications, etc).
The situation: I brought our toddler up to the truck today to see daddy and grandma, otherwise he doesn't get to see them as much in the summer. A customer asked what they had that was gluten free, and he said they have corn chips for the nachos and corn tortillas. We marinate all our meat by hand and buy fresh veggies and queso for toppings, but we do toast the corn tortillas and the flour tortillas on the same pan for the tacos. So I asked, "but what about cross contamination?" in front of the customer. He kind of snapped at me and said, "it's fine, it's not a problem." The customer didn't get anything and he lectured me that I don't work on the truck, no one's ever complained, and that he knows what he's doing. I think I'm trying to make sure we don't accidentally make anyone sick and/or get a lawsuit. I know for things like tree nut allergies, even being in the same airspace as a peanut can be deadly for some people, celiac people out there, can it be the same? I'd rather be safe than sorry.
ETA: Only my question was asked in front of the customer. He lectured me inside the truck after the customer left.