I am a first generation college student who started my academic journey at Hostos Community College. I am a bit older and have established a fairly decent job to pay my current bills, but not enough to pay for school.  I filled out my FAFSA and sent it in but New York State did not offer me a Tuition Assistance Program (TAP) award, because of my current pay so I have to take out federal loans. I found this to be extremely challenging considering I was struggling to make ends meet with my current expenses. I currently have my associates, which I am very proud of, but continuing my journey to achieve my bachelors has been a struggle. My current student loans exceed the 20 thousand dollar range. I would have loved for tuition cost to be much less or if New York State offered grants to help pay for even just textbooks.

Taking a full load of 15 credits or about 5 classes can be extremely difficult with a full time work schedule. My biggest fear is when I finally get my degree and enter loan repayment, my salary will not match what is needed to pay back the loans. Being a part time student during some semesters means taking much longer to graduate, but the financial burden increases since it is the same cost of a full time student taking 12 credits to 18 credits.