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i wish i did, but my FI is only at the beginning of his education program and knows absolutely NOTHING haha.
but congratulations on thinking about the next step! i wish i could even think about having a child when he graduates, but i know he won't be near ready...
Thanks! Yeah, Im really excited about it. Even though it probably won't be until June of 2012 before we have the baby. :)
I would make an appointment with your on-campus financial aid department/ advisor. S/he should be able to answer some of your questions. Regarding Pell Grants, I believe they are given out based on your income, so it isn't really dependent on whether you are working full-time or part time.
Ah I see. So, If my husband only got a sub job until I graduate, then I might still get financial aid?
I still would LOVE it if anyone knew of any scholarships available for Married Parents. :)
So this may be a really silly question, (and please don't take it the wrong way) but... if your husband graduates but only works as a sub (part-time I'm guessing), will you be able to afford a child? For example, will he be able to have insurance if he doesn't work full-time (prenatal care and delivery usually costs several thousand dollars - and that doesn't take into account all the baby well visits, etc.). I doubt that any additional financial aid you get for being a parent would offset the costs of actually having a child. Just thoughts to consider. Certainly check with the financial aid department for more info though!
if you have a baby and you stay home I bet you can get grants. those don't have to be paid back. I know that being married is not the same as being a single mom. But I know that it is based on income and my single mom friends who all work, ALL have it paid for with mostly grants and only little loan $
you will have to look online. I bet you can find a lot of info a the federal student site
EvaBostonTerrier, see THAT's Why I really wanted to be able to find scholarships so that my husband can go ahead and find a full-time teaching job. So that if my financial aid IS taken away, I can pay for school with various scholarships. :) Honestly I'm not too concerned because if it all comes down to it, we would definitely wait if we thought we weren't financially ready for a little bundle of joy.
I've never heard of having a teacher in the family disqualifying you from pell grants (or any other grants or loans for that matter). As far as I know the only thing they care about is how much income your family has vs. how expensive your college is. They don't care what the profession is, only the income. I imagine your aid went up when you got married because you were now part of a new family (you and your husband) with virtually no EFC, rather than having your parents incomes driving up your EFC. Your husband getting a job (any job) would raise your EFC and thus decrease your potential aid. Having a baby might decrease your EFC, if they take dependents into account like they do for taxes, but they might not. I don't know about that one.
I agree with the PP who said talk to a financial aid councilor at your school. They will be able to better guide you about financial aid and may even be able to refer you to someone who could help you do a more comprehensive financial assessment and plan for the next few years. Good luck to both of you!
It has been a few years since I was in school, but if things are still roughly the same, they base your aid estimates on the taxes from the previous year. So, lets say he was graduating this may, and you had the baby in june 2010. Your financial aid for 2010-2011 would have already been calculated and would be based on your 2009 taxable income. If you had another year of schooling after that, your aid for 2011-2012 would be based on your 2010 taxable income, so even if he worked full time after graduation, you'd only have 6 months of income on those taxes. There could have been plenty of changes since I graduated though. I think meeting with someone at your school is a great idea.
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Just a few questions: Me and my DH are in college, and will be for a few more years. The husband should finish up a year or two ahead of me and we're planning on having a baby the summer after he graduates. Soooo, I'll still be in school(at least for a little while longer). I know when we got married our financial aid went up dramatically, so I was wondering if there was any additional aid when we decide to have a baby?
We're both going into Education, so that would mean when he graduates, I don't get as much money anymore because our EFC will go up a LOT. Which brings me to my second question; I know that when you have a teacher in the family, you don't get any financial aid like Pell Grant and such, but does that apply to substitutes as well? I'm thinking that if I can get a scholarship or something for being a married parent in college it will give me a little more money if my aid does get taken away when my DH graduates.
So, Does anybody have any experience with this?