Nlng nigeria undergraduate scholarship 2011

2019: graduated from University with a gold medal, and i have an idea what I want to be in future, where I want to earn money and enjoy as many things as possible and live life in luxury so I started upskilling myself and applied to many jobs and attended job fairs but i failed in passing exams in every job and I never succeeded in any interview , I took each and every experience and started improving myself but i failed again and again. No matter how much I try there is so huge competition that I'm failing in every job openings . I am getting rejected by every company.
2020: COVID happened , no job openings and no job fairs to attend and stayed at home and became a shut in for 6 months all while watching animes, movies with whatever money I earned from part time jobs, friends and family. I thought I want to live like that forever (stupid me). In the later years i joined masters course from online as my father pressurized me by saying "do it , u r jobless, u r worthless scum, u are just a shut in who won't do anything" , I said "if I join masters in the institute u r recommending then this plan of urs will definitely fail as u already know it well, u don't have enough guts to send to go far away place where the institute is located if in case COVID reduces" he said "when COVID reduces, just drop out of masters" I said "huh? Then y should I join then?" He said "because I said so, it's for ur good" i said "dad,wait for few months I will find worthwhile job" he said "u will be worthless if u neglect ur career further" . And everyone around me pressured me to join masters course and I joined the course because of pressures and it was completely online at the time , and I worked tirelessly to pass each semester.
2021: continuing masters, i put so much effort into my exams only to barely pass. Whereas , my classmates scored straight As . I was suprised , i was putting so much effort and why I couldn't be as good as them but I was chill cause I'm passing. I finally got assigned a project. I completed the project early even before final semester and I even published a research paper in a journal
2022: in final semester when the COVID decreased the institute which I enrolled masters insisted us to come. The institute was pretty far away from my place. And my dad never allowed me to go there and he never wanted me to lose the masters , I thought of making deal with professor as i already completed the project and even my research paper was published in journal and my professor said " even if u complete the project and passed in every exam I won't pass u in the project unless u come " I said " I can't come due to family issues" my professor "then u r unworthy to study " my dad raised a complaint and after hearing the complaint the whole institute accused me of defaming the institute honor and blackmailed me they will get cops involved in this and ruin my future and to solve this they demanded me to come there and do what they say. I said to them "whatever it is , i won't come there" and i am dropping out of the institute and i do t need any master's . I dropped out of the college and I said this to my dad he became angry and i blamed him this was his mistake and told him "2 years ago I told u this will happen u and none listened to me now see there is 3 years gap in my career and no one will recruit me and 2 years ago when I was clean i failed everything now I have this remark of dropout and now none will recruit me, u do realise how fcked up competition really is in our country , if u r not competent u will be crushed" . A few months passed and i decided to leave the town and family. I found a minimum wage job out of the town and lived with one of my cousins, where I have to do maintenance of transformers and other electrical equipment. There i worked for 4 months and left it because my boss was too bossy and I don't want to work under him. I started working as another minum wage job and left it too because I can't stand bossy people there and also i slapped my boss because he was misbehaving with me and i finally thought my own stupidity, professors arrogance and power and my father arrogance and power are the reasons for this, and i decided to go in teaching field. So, i planned how to get into it, so first I started working as a tutor. I joined masters course again at a different institute with scholarship facility as I was a gold medalist from University during my undergraduation. I continued tutoring as a part time to earn money and working on masters in other hand
2023: I worked on my masters and passed through all semesters with above 4 GPA and worked on my project. The students that i tutored as a part time stood as strong as support to me. Their happiness after I teach them filled me with confidence that I can do many good things in life and I want to help as many students as possible. Though I never admitted this to them because as a teacher I can't show weakness before and I need to be strong. Also, my cousin who provided me shelter in times of need made me to be strong and not lose hope on myself
2024: i completed my masters last march and I immediately joined as professor and this professor job is good that none bosses me around again and i am teaching students who are very interested in my lectures, as i already has experience in teaching. I kinda love this job , i don't live with minimum wage anymore and I am helping people with their studies and most importantly none bothers me as i myself earned quite a name regarding skills all thanks to the technical skills and subjects i learned back in 2019. My hardwork of that time not wasted , instead the skills that i developed at the time are helping other people instead. Currently,i am planning on doing PhD maybe I will do it next year or some time later but presently I need to stabilize myself financially .
That's it guys, I'm curious what u think my type is based on this
Also, I agree , I made many stupid decisions in my life don't be harsh on me please... I already blamed myself enough

Can you negotiate for merit scholarships as a continuing undergraduate student if you have rly good grades?

I'm planning to apply for mext scholarship and in the undergraduate for bachelor's, i cannot find the field of design....but it's there in the undergraduate for leading to certificate (special training colleges)?.....can someone explain to me. The difference and if there are bachelor's degree in interior or architecture design

Deadline: May 31, 2024
Amount: $500
Description: This scholarship is for U.S. citizens enrolling or currently attending an accredited college/university within the U.S. for completion of an undergraduate degree. Applicants are required to submit an essay on the given prompt to be eligible. ​
APPLY HERE!
--
Best of Luck!

Hey everyone,
I'm currently someone (30M) who has always had folks by my side all my life as part of "my team," as my parents call it. A major reason for this outside support network is because I'm autistic, have ADHD-I, dysgraphia, generalized anxiety, social anxiety, PTSD (more on that later), and processing speed in the 3rd percentile. I did not learn I was autistic until I was 14 and always took medication for it and my ADHD-I. I also did not know I had ADHD-I until I was 24-25 because I was on my own for submitting the records of my disabilities to the graduate schools I've attended up until this point. As for my processing speed, I did not learn it was that low until this past August when I sought a DSM-V re-evaluation with my own money.
My mental health symptoms were so severe that, despite doing well academically in a suburban school district that was well funded through property taxes (I'm in the US so the education system here is messed up), I transitioned to a tiny high school that specifically accommodated disabled students. This school had no AP, honors courses, or foreign language courses offered at all. I enrolled in a rural undergraduate school because they gave me the best scholarship offer and my parents insisted on getting as many scholarships as I could (more on this towards the end of the post). Despite my university's reputation as the "stoner college" of northern Ohio, I got my butt handed to me academically and had a 3.1 GPA from that undergraduate and a 3.26 from all of my courses overall. Part of the reason was because I went for a BS, rather than a BA, in Psychology and didn't do well in the math courses with the exception of when I retook Calculus 2.
After my first year, I wanted to take a break from college, but I was forced to stay at the behest of my parents. They even hired a life coach who worked with me from a distance for all four years. As grateful as I am for that support, I realize it was the beginning of issues with becoming totally independent. Fast forward to graduation and I have one summer's worth of lab experience and a 3.5 PSY GPA to my name. I'm forced to take a gap year because I applied only to Ph.D programs (big mistake) and had low GRE scores.
So, how did I get into graduate school with my awful credentials? My parents hired a different coach who specialized in job applications and had a lot of connections. I was able to sell what little I had and get offers to 6/8 Master's programs I applied to in Experimental Psychology and had solid references that explicitly address that they thought I could do well despite my shortcomings. This coach taught me how to contact potential advisors and professors ahead of time and taught me the ins and outs of selling myself to get in.
My final Master's record upon graduation was a 3.48 GPA and I graduated a semester later. My final year of the Master's program, I reconsulted my old coach who helped me write my personal statement and get in contact with potential advisors again. I got two interviews and had one offer of admission to the current Ph.D program I'm in right now. This was despite my lackluster GPA (both undergrad and Master's) and not taking another 10 hours for an assistantship during my Master's program (no additional TAship or RAship in other words, even though everyone else in my program did something extra by their second year).
After I matriculated into the program, I got my Master's in December 2020 due to COVID delays and defending later than I had hoped in my case. I eventually had an ugly falling out with my first advisor due to a misunderstanding (I'll leave it at that since this background detail is already long), but thankfully passed my qualifier project still. I think the world of my current advisor, especially since he was the only one who took me when no one else would at all. I developed PTSD from the experience with my first advisor based on a neuropsychological evaluation I got back in August 2023. When I spoke to the original evaluator for my autism, she said that it was only likely that way because my stress management is characteristically poor and I have extremely low stress tolerance.
Fast forward to now and I recently turned 30 earlier this month. I am back with the old coach who helped me with my Master's and Ph.D applications once again and they're even helping me with "life stuff," getting through all of it and were immensely crucial for helping me get through the situation with my first Ph.D advisor.
I am thankful for the help I've received, but as the top of comment of a previous post alluded to in this instance, I have not learned to walk on my own.
In case this information is relevant, I have $53k in student loan debt principal. The undergraduate loans are eligible under Biden's SAVE plan and have their interest waived when payments are due since they're $0 at the moment. I have about $26k saved right now that I'm not going to put back toward my $24k of graduate loans until I know if I have income after this August.
I have student loan debt even though my father makes over $200k a year ever since I was around 10 years old and my mother makes anywhere between $60k-$80k a year. My parents do not have student loans since neither went to college. I also just learned that the coach billed my parents for around $680 each month over past two (highest ever). Even though its $100 per one hour session (thus leading me to think it was $200 a month since we meet twice a month). Turns out they charged for email and text communications with me even though those were encouraged. Should I feel guilty for not keeping track of the spending despite the agreement with my parents to help me on that? Given everything else mentioned earlier, should I feel guilty for "blowing through" these support systems? Folks love to tell me that someone who had half the resources I did taking my spot in graduate school instead could've gone further.
There is also something else I've been wondering ever since I learned their income levels. Other than the spending on me and my brothers, why would they be that insistent on me and my brothers taking out student loans? They said that they, my grandparents, and me would all pay for "a third" and part of that third on me and my brother's end was taking out student loans. I should also note that I went to a private high school for those with disabilities tuition free despite my parent's income as well because I got an autism scholarship from the state of Ohio that waived tuition.
Only other things I know that are finance related are the $350k in loans (not sure if this was principal or principal + interest) my father took out for his small business, which I know were paid off around my junior year of undergrad. Other than that, I don't know the mortgage of the house or anything else related to its value. I do know there's a mortgage in general though because one of my brothers asked if he paid for the house upfront and he said he did not at all and took out a loan. What else could be underlying their spending? I'm open to hearing others speculate.
Also, thank you for reading this super long post.

Hey everyone,
I'm currently someone (30M) who has always had folks by my side all my life as part of "my team," as my parents call it. A major reason for this outside support network is because I'm autistic, have ADHD-I, dysgraphia, generalized anxiety, social anxiety, PTSD (more on that later), and processing speed in the 3rd percentile. I did not learn I was autistic until I was 14 and always took medication for it and my ADHD-I. I also did not know I had ADHD-I until I was 24-25 because I was on my own for submitting the records of my disabilities to the graduate schools I've attended up until this point. As for my processing speed, I did not learn it was that low until this past August when I sought a DSM-V re-evaluation with my own money.
My mental health symptoms were so severe that, despite doing well academically in a suburban school district that was well funded through property taxes (I'm in the US so the education system here is messed up), I transitioned to a tiny high school that specifically accommodated disabled students. This school had no AP, honors courses, or foreign language courses offered at all. I enrolled in a rural undergraduate school because they gave me the best scholarship offer and my parents insisted on getting as many scholarships as I could (more on this towards the end of the post). Despite my university's reputation as the "stoner college" of northern Ohio, I got my butt handed to me academically and had a 3.1 GPA from that undergraduate and a 3.26 from all of my courses overall. Part of the reason was because I went for a BS, rather than a BA, in Psychology and didn't do well in the math courses with the exception of when I retook Calculus 2.
After my first year, I wanted to take a break from college, but I was forced to stay at the behest of my parents. They even hired a life coach who worked with me from a distance for all four years. As grateful as I am for that support, I realize it was the beginning of issues with becoming totally independent. Fast forward to graduation and I have one summer's worth of lab experience and a 3.5 PSY GPA to my name. I'm forced to take a gap year because I applied only to Ph.D programs (big mistake) and had low GRE scores.
So, how did I get into graduate school with my awful credentials? My parents hired a different coach who specialized in job applications and had a lot of connections. I was able to sell what little I had and get offers to 6/8 Master's programs I applied to in Experimental Psychology and had solid references that explicitly address that they thought I could do well despite my shortcomings. This coach taught me how to contact potential advisors and professors ahead of time and taught me the ins and outs of selling myself to get in.
My final Master's record upon graduation was a 3.48 GPA and I graduated a semester later. My final year of the Master's program, I reconsulted my old coach who helped me write my personal statement and get in contact with potential advisors again. I got two interviews and had one offer of admission to the current Ph.D program I'm in right now. This was despite my lackluster GPA (both undergrad and Master's) and not taking another 10 hours for an assistantship during my Master's program (no additional TAship or RAship in other words, even though everyone else in my program did something extra by their second year).
After I matriculated into the program, I got my Master's in December 2020 due to COVID delays and defending later than I had hoped in my case. I eventually had an ugly falling out with my first advisor due to a misunderstanding (I'll leave it at that since this background detail is already long), but thankfully passed my qualifier project still. I think the world of my current advisor, especially since he was the only one who took me when no one else would at all. I developed PTSD from the experience with my first advisor based on a neuropsychological evaluation I got back in August 2023. When I spoke to the original evaluator for my autism, she said that it was only likely that way because my stress management is characteristically poor and I have extremely low stress tolerance.
Fast forward to now and I recently turned 30 earlier this month. I am back with the old coach who helped me with my Master's and Ph.D applications once again and they're even helping me with "life stuff," getting through all of it and were immensely crucial for helping me get through the situation with my first Ph.D advisor.
I am thankful for the help I've received, but as the top of comment of a previous post alluded to in this instance, I have not learned to walk on my own.
In case this information is relevant, I have $53k in student loan debt principal. The undergraduate loans are eligible under Biden's SAVE plan and have their interest waived when payments are due since they're $0 at the moment. I have about $26k saved right now that I'm not going to put back toward my $24k of graduate loans until I know if I have income after this August.
I have student loan debt even though my father makes over $200k a year ever since I was around 10 years old and my mother makes anywhere between $60k-$80k a year. My parents do not have student loans since neither went to college. I also just learned that the coach billed my parents for around $680 each month over past two (highest ever). Even though its $100 per one hour session (thus leading me to think it was $200 a month since we meet twice a month). Turns out they charged for email and text communications with me even though those were encouraged. Should I feel guilty for not keeping track of the spending despite the agreement with my parents to help me on that? Given everything else mentioned earlier, should I feel guilty for "blowing through" these support systems? Folks love to tell me that someone who had half the resources I did taking my spot in graduate school instead could've gone further.
There is also something else I've been wondering ever since I learned their income levels. Other than the spending on me and my brothers, why would they be that insistent on me and my brothers taking out student loans? They said that they, my grandparents, and me would all pay for "a third" and part of that third on me and my brother's end was taking out student loans. I should also note that I went to a private high school for those with disabilities tuition free despite my parent's income as well because I got an autism scholarship from the state of Ohio that waived tuition.
Only other things I know that are finance related are the $350k in loans (not sure if this was principal or principal + interest) my father took out for his small business, which I know were paid off around my junior year of undergrad. Other than that, I don't know the mortgage of the house or anything else related to its value. I do know there's a mortgage in general though because one of my brothers asked if he paid for the house upfront and he said he did not at all and took out a loan. What else could be underlying their spending? I'm open to hearing others speculate.
Also, thank you for reading this super long post.

Provide your honest feedback. I am a master's student specializing in data science/ML/AI and looking to apply for jobs in Canada. I will be graduating in 2 months and I have started my job search from now. Both my bachelor's and master's degree are from the same university in Canada. I am a Canadian citizen so visa requirements won't affect my job search.

Hi, I was recently offered the Asean Undergraduate Scholarship in SIT, I'm matriculating this year and would like to know

1. how much do they subsidized when they say subsidized tuition fee?
2. how do I accept the Scholarship? so far when I click on the link they provided it just brings me to the SIT admission portal.

Thank you in advance.

TL;DR? Go to the 3rd paragraph.
For background: I recently completed my 12th (Physical Group) and did terribly in it because I didn't attend any college for the entire year and instead opted for a 2-hour (Physics + Chemistry + Math) tuition class at the end of Tihar due to my health condition. I was all good close to the end of the 11th, but my health condition deteriorated sharply from there on. Even without attending the college for the entire year in 12th and a month or two for 11th, my college did let me take the 12th Board Exams because they didn't want me to lose a year. The good news is, my condition has got better now and I'm pretty darn sure this stupid health issue won't bother me anymore, thanks to the extensive treatment I got. So, I'm up and ready to study, I want to study abroad but I know that due to my expected low GPA, I'm not going to get any scholarships, and I can't afford the massive tuition fees of most abroad countries universities, but I still want to study abroad, so I researched a bit about countries that offer no tuition fees or nominal tuition fees, and it's European countries, I've researched a bit about them but I do have questions.
From what I know, only Germany & France & some Nordic countries have no tuition fees or nominal tuition fees and I can afford the living costs in these countries as well. So, these are my preferred destinations, but there's a big hurdle, there are extremely few to no undergraduate courses whose language of instruction is English only, it's usually completely in the native language or a mix of it and English. So, to attend most of the courses, I have to learn a foreign language. However, I did find some courses that also, fortunately, match my interest and are taught completely in English in Germany. And, since the schooling length before university is 13 years in Germany, I have to attend either a preparatory course or a university for a single year here in Nepal, I chose the latter since I'll be attending a course completely taught in English. Btw, I'll be studying Engineering Physics or Electrical Engineering.
Now, talking about the universities that I found that offer courses in English, one has ranked 200-300 above/better than Tribhuvan University, and all others have ranked far worse than TU. So, these are my questions,
1)If I somehow didn't get into the higher-ranked university, is it still worth studying a program at a German university whose rank is lower than TU? Should I choose to study in Germany or TU in that case?
2)If I did get into the higher-ranked uni, it would take me a total of 5 years to complete the bachelor, would it be worth it?
3)Are there any universities in Germany, France, or the Nordic countries with no tuition fees or nominal tuition fees that consider aptitude tests (which I'm good at) than Nepali GPA?
4)Or, should I just crack exams like IOE and study engineering in Nepal and apply abroad after my bachelor's?
If you have any important information regarding studying in Europe, then please drop it in the comments.

I studied Financial Engineering (major) and Computer Science (minor) at Columbia for my bachelor's. I currently have 5 years of experience in FX algo trading at a bank.
I aim to transition to the buy-side in quant trading, with a stronger focus on research. I believe a master's degree, particularly with a focus on machine learning, would open more opportunities in quant trading and research. Additionally, I want to experience life outside of New York and enjoy the campus environment for my mental well-being.
I have offers from the CMU MSCF and Columbia MSCS programs. While CMU offers a lower cost with a scholarship and the chance to leave New York, its curriculum seems to include many subjects that I find irrelevant/overlap with my undergraduate studies and lacks flexibility in machine learning.
If anyone is familiar with these programs, please share your thoughts:

• Which school (or applying for a new job) would be a better choice for my career?
• CMU MSCF requires a summer internship. Would it make sense for me to apply for an internship with significant prior work experience?

Thank you in advance!

Hello. Literally download Reddit just to drop this word vomit cause I am kind of losing hope. So I graduated from undergraduate from an international African university, top of my class with a degree in political science. Got to join one of the best universities in Europe in political science. Mostly did these things because 1) I grew up under so much poverty and would do anything to get some money. Hence, my undergrad was entirely paid for using my scholarship which I kind divided up to take care of my family because of poverty. 2) I thought having access to a European institution on my CV would have benefited me. I’m now close to graduating with my masters degree and I have no prospects.
So the poverty I was escaping is literally next to me right now. My scholarship is due in two months. I’ve got dependents to take care of (black tax) and I am more likely to be indebted than to get a job right now. And I’ve got dependents. I’m trying to find part time gigs here and there but it’s also not working out cause I’m a foreigner in a country that’s facing inflation and minimum wage employees will NOT hire someone like me (there’s some racism in there).
Anyway, I know I need to stick to it and just hope to not die under financial hardship. But was hoping to hear some kind words.

Hi all
I will be chosing one of the above as a backup for my undergraduate degree. Currently, I'm waiting on a few govt colleges.
Which of the two is better? FLAME has a larger variety kf degrees, and offers a scholarship to me as well, but have heard greats applauds of KREA as well.
Thanks!
Myquals: 12th pass

My son will be a high freshman at a rigorous academic school in Texas next year. If he does well at this school, he shouldn't have problems being admitted to the best schools in the country. On top of that, he is a talented bassoon player, and all of his instructors seem to think being a musician is a possibility for him. I'm not sure that's what he wants, but I am curious about what the college landscape looks like for undergraduate student scholarships today. He's going to get my support no matter what his choice is, but if there is a choice that he likes where he can take financial advantage, I would like to support that.
Do you need to be a music major to receive these maybe-mythical scholarships? Thanks!
Edit - man y'all are awesome. Thanks so much for the information.

So I’m stuck deciding where to attend law school:
Notre Dame- no scholarship, full price. Top 50 public university for 15k tuition/year (in state tuition). Background Information: Applying to law school was an absolute nightmare as a super-reverse splitter. Despite interviews with George Mason, Georgetown and a couple of others I was waitlisted at most of the schools I applied to. And I applied to a lot. I wrote the extra essays. I have a great undergraduate record, triple major 3.94 GPA at a top 30 undergraduate university. I have a TON of work experience, worked 15 plus hours every week to pay for school since junior year of high school. I secured grants for independent internships. I won quite a few writing awards upon graduating magna cum laude at my university. I have really strong letters of recommendation.
Worked abroad for two years as an English teacher before applying to law school. I am confident I wrote some kick-ass personal statements, why —-? Etc.
But I SUCK at taking standardized tests. I sucked at the SAT as well, but had other high scores on APs and subject tests to measure my abilities. For law school, they just have the LSAT. I mean, I studied for over a year and half just to get in the high 150s. Yeah, I know, I suck. So no, I can’t study more and get a better lsat score, it just won’t happen.
So- WWYD? Do I take out a crazy amount of debt for Notre Dame? I want to secure a clerkship so I am drawn to Notre dame for their proven clerkship numbers as well as their Catholic ideology (I grew up Roman Catholic). I want to work in Chicago, DC, or NY. I am also willing to suffer through a few years of big law after the clerkship to pay off loans. But i just want to know if 200,000k is DOABLE.
Am I crazy for wanting to go to Notre Dame despite the debt? This will be the only debt I have, but it will be $200,000.
Truly appreciate any advice and insight.

Hey everyone,
I'm currently someone (30M) who has always had folks by my side all my life as part of "my team," as my parents call it. A major reason for this outside support network is because I'm autistic, have ADHD-I, dysgraphia, generalized anxiety, social anxiety, PTSD (more on that later), and processing speed in the 3rd percentile. I did not learn I was autistic until I was 14 and always took medication for it and my ADHD-I. I also did not know I had ADHD-I until I was 24-25 because I was on my own for submitting the records of my disabilities to the graduate schools I've attended up until this point. As for my processing speed, I did not learn it was that low until this past August when I sought a DSM-V re-evaluation with my own money.
My mental health symptoms were so severe that, despite doing well academically in a suburban school district that was well funded through property taxes (I'm in the US so the education system here is messed up), I transitioned to a tiny high school that specifically accommodated disabled students. This school had no AP, honors courses, or foreign language courses offered at all. I enrolled in a rural undergraduate school because they gave me the best scholarship offer and my parents insisted on getting as many scholarships as I could (more on this towards the end of the post). Despite my university's reputation as the "stoner college" of northern Ohio, I got my butt handed to me academically and had a 3.1 GPA from that undergraduate and a 3.26 from all of my courses overall. Part of the reason was because I went for a BS, rather than a BA, in Psychology and didn't do well in the math courses with the exception of when I retook Calculus 2.
After my first year, I wanted to take a break from college, but I was forced to stay at the behest of my parents. They even hired a life coach who worked with me from a distance for all four years. As grateful as I am for that support, I realize it was the beginning of issues with becoming totally independent. Fast forward to graduation and I have one summer's worth of lab experience and a 3.5 PSY GPA to my name. I'm forced to take a gap year because I applied only to Ph.D programs (big mistake) and had low GRE scores.
So, how did I get into graduate school with my awful credentials? My parents hired a different coach who specialized in job applications and had a lot of connections. I was able to sell what little I had and get offers to 6/8 Master's programs I applied to in Experimental Psychology and had solid references that explicitly address that they thought I could do well despite my shortcomings. This coach taught me how to contact potential advisors and professors ahead of time and taught me the ins and outs of selling myself to get in.
My final Master's record upon graduation was a 3.48 GPA and I graduated a semester later. My final year of the Master's program, I reconsulted my old coach who helped me write my personal statement and get in contact with potential advisors again. I got two interviews and had one offer of admission to the current Ph.D program I'm in right now. This was despite my lackluster GPA (both undergrad and Master's) and not taking another 10 hours for an assistantship during my Master's program (no additional TAship or RAship in other words, even though everyone else in my program did something extra by their second year).
After I matriculated into the program, I got my Master's in December 2020 due to COVID delays and defending later than I had hoped in my case. I eventually had an ugly falling out with my first advisor due to a misunderstanding (I'll leave it at that since this background detail is already long), but thankfully passed my qualifier project still. I think the world of my current advisor, especially since he was the only one who took me when no one else would at all. I developed PTSD from the experience with my first advisor based on a neuropsychological evaluation I got back in August 2023. When I spoke to the original evaluator for my autism, she said that it was only likely that way because my stress management is characteristically poor and I have extremely low stress tolerance.
Fast forward to now and I recently turned 30 earlier this month. I am back with the old coach who helped me with my Master's and Ph.D applications once again and they're even helping me with "life stuff," getting through all of it and were immensely crucial for helping me get through the situation with my first Ph.D advisor.
I am thankful for the help I've received, but as the top of comment of a previous post alluded to in this instance, I have not learned to walk on my own.
In case this information is relevant, I have $53k in student loan debt principal. The undergraduate loans are eligible under Biden's SAVE plan and have their interest waived when payments are due since they're $0 at the moment. I have about $26k saved right now that I'm not going to put back toward my $24k of graduate loans until I know if I have income after this August.
I have student loan debt even though my father makes over $200k a year ever since I was around 10 years old and my mother makes anywhere between $60k-$80k a year. My parents do not have student loans since neither went to college. I also just learned that the coach billed my parents for around $680 each month over past two (highest ever). Even though its $100 per one hour session (thus leading me to think it was $200 a month since we meet twice a month). Turns out they charged for email and text communications with me even though those were encouraged. Should I feel guilty for not keeping track of the spending despite the agreement with my parents to help me on that? Given everything else mentioned earlier, should I feel guilty for "blowing through" these support systems? Folks love to tell me that someone who had half the resources I did taking my spot in graduate school instead could've gone further.
There is also something else I've been wondering ever since I learned their income levels. Other than the spending on me and my brothers, why would they be that insistent on me and my brothers taking out student loans? They said that they, my grandparents, and me would all pay for "a third" and part of that third on me and my brother's end was taking out student loans. I should also note that I went to a private high school for those with disabilities tuition free despite my parent's income as well because I got an autism scholarship from the state of Ohio that waived tuition.
Only other things I know that are finance related are the $350k in loans (not sure if this was principal or principal + interest) my father took out for his small business, which I know were paid off around my junior year of undergrad. Other than that, I don't know the mortgage of the house or anything else related to its value. I do know there's a mortgage in general though because one of my brothers asked if he paid for the house upfront and he said he did not at all and took out a loan. What else could be underlying their spending? I'm open to hearing others speculate.
Also, thank you for reading this super long post.

Deadline: May 31, 2024
Amount: $3,500-$5,000
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Best of Luck!

Hello I am currently an undergraduate about to finish my associates than move on to my bachelors. I feel I have made many mistakes and would like help from anyone if possible. I havent went for scholarships or grants other than fafsa for 2 semesters everything else was out of pocket. My family does not have a lot of money not even close and neither do i. I had a lot of money saved up and had the option to pay it now so I thought it would be smart to, but now I am broke and in credit card debt and I regret it. I regret not going for grants or scholarships and I would like peoples takes on the matter. Is there anything I can do to get help for my past semesters or semesters coming up. My college does an EOF program but I have not filed for it once and I feel so dumb not doing it because it is literally free money. Now I feel like all this has made me lose so much because I had many options I never took advantage of and idk what to do.
Also I have 5500 in loans from fafsa. Other than that and the credit card debt I am loan free.