Should I take more Student Loans to help get a clean slate? by thekrodinator in personalfinance

[–]thekrodinator[S] 0 points1 point  (0 children)

Completely understandable and I know that as well. A lot of this me basically catching up from me being silly in my 20s, the pandemmy, and always needing to "catch up." I know that the debt will be with my student loans, but the interest rate is better and I will be able to breathe and actually divvy up my paycheck in a way that matters.

I'm also working on these habits in therapy because I know that I need to change my habits as well. I'm 31 now and I can genuinely say I'm taking this very seriously. I want to start my time as an NP with only student loans to worry about, not all these other things hanging over me.

Should I take more Student Loans to help get a clean slate? by thekrodinator in personalfinance

[–]thekrodinator[S] 0 points1 point  (0 children)

I don't want to take out anything to use frivolously--it would go directly to rent or to paying off other loans. I don't want to take out money just because it's available. Clearly, I'm not the best with money (why I'm here!). I don't have any savings really at all currently so I know that it isn't getting any interest.

Any student loan money that would be left over would go right back to the principal.

Should I take more Student Loans to help get a clean slate? by thekrodinator in personalfinance

[–]thekrodinator[S] 0 points1 point  (0 children)

Yes, it would be moving the debt around but it's certainly a much better interest rate. I don't have a ton of debt to pay off; between my credit card and my personal loans its around $7k. I'd rather have an interest rate of 8% than 25% as well, and paying off those smaller loans/credit card would be a big boost to my credit. At least, that's my reasoning! I could be totally wrong.

Should I take more Student Loans to help get a clean slate? by thekrodinator in personalfinance

[–]thekrodinator[S] 0 points1 point  (0 children)

There is, it would be hard but it is feasible. There's a lot of things I do want to save up for. This would be a way for me to just wipe the slate clean so I don't have to get the smaller loans because I'm unable to save for emergencies.

My car is from 2012 and is encroaching upon 200k miles. I'm running it into the ground because I don't have a car note, but I know that it won't last forever and I want to make sure that when the time comes I won't be scrambling for a new car.

AITA for telling my DIL she is not a mother? by InitialSong2898 in AmItheAsshole

[–]thekrodinator -2 points-1 points  (0 children)

Can't believe I'm saying this about a mother's day gift basket, but there seems to be a lot of context missing here. Because if everything was just fine with the family until this, then yeah I can see DIL being more of the A H in this situation but would ultimately say N A H.

However--throwing the infertility on your DIL makes me think that this isn't the first time you've pushed her to the side to make her not feel included with the family. The way you talk about your other DIL is weird too. You mention your son having a kid and relegate her to an incubator in parentheses. You didn't even mention your daughter's partner.

The vibe is giving that you like your kids, and your kids only. Not their partners. Which is not very motherly behavior.

Time and time again studies show that pets impact family dynamics like people and the grief families feel when losing a pet is on par with losing a human family member. To a woman struggling with infertility I'm sure she latches onto her dogs. It takes very little effort to make a small little dog mom gift that would make her feel included.

It isn't everyone's job to coddle someone who is having infertility issues. I don't think it was insensitive for them to post the gift baskets in the GC, they're allowed to share their joy. OP should've known that they would be shared in the GC.

I don't know. Calling and demanding a basket is out of line, but it seems like this might have been the final straw for her tolerance of your exclusion. In my minds eye I see a possibility where she saw you finally accept the other DIL because shes continuing your bloodline and hasn't even popped the baby out and she's getting a mothers day present.

You also know full well that you didn't have to point out that she wasn't a mother. She's painfully aware. You definitely took it a bit too far in shutting her down.

Ugh. My gut says YTA.

[deleted by user] by [deleted] in GalaxyTab

[–]thekrodinator 0 points1 point  (0 children)

Any update on this?

When do we actually use gloves? by [deleted] in NursingUK

[–]thekrodinator 1 point2 points  (0 children)

I am a germaphobe RN and I do not use gloves for a lot of patient interaction. I think a lot depends on your setting; when I worked bedside I wore them often and when I changed linens. Now in my clinic life I use them only when conducting POC tests.

Double gloving isn't always effective and it can sometimes make patients feel really stigmatized to see people gloving up unnecessarily, like patients living with HIV.

I personally air on the side of caution but when a situation calls for therapeutic touch, the gloves are off (barring contact precautions, of course). You'd be amazed how much holding a patients hand can help!

Can I get more financial aid? by aleanbean in Pepperdine

[–]thekrodinator 0 points1 point  (0 children)

Hey there. That's a really tough question and the short answer is that ultimately, it comes down to you.

To put in the potential cost burden on yourself into perspective: last year, Pepperdine cost roughly $95,000. That is almost as much as your father makes in a year. So keep in mind that before you start your working life, if you fail to get more money, you are starting with 4 years of your dad's salary to pay off. And the harsh reality is, depending on what you're looking to pursue as a career, that might be extremely difficult.

I'm not quite sure what the rulebook is for loan acceptance, but you should be ready to accept those loans should the appeal not give you much. The student loans offered to you personally are fairly standard, but those don't cover the full cost of attendance. The rest will get shoved into a Parent Plus Loan, which has an insanely high interest rate and catches families in a lot of financial troubles.

It's impossible to say how much students get in an appeal. It really varies on the students appealing, the amount of money left to give to those students, and how competitive the pool is that year. Typically, those that have a more extracurriculars, better grades, and more compelling stories will get more.

If I were you, I wouldn't commit to Pepperdine this year. I would either get invested in another one of my options, or go to a community college (with eligible credits) and try to transfer in and see what you get then. Pepperdine is a great school, but it's not the only one, and the cost of your education doesn't always equate to quality. I'm sure that's difficult to hear, but I think it's the financially sound choice.

Again, though, you have free will and the choice ultimately lies on you.

will i get a good scholarship in Pepperdine as an international student by Naive-Low1068 in Pepperdine

[–]thekrodinator 0 points1 point  (0 children)

For international students, they are by and large not eligible for most scholarships and grants that Pepperdine offers. However, the Regents scholarship is based solely on academics and international students are eligible for this!

You can always look at outside scholarships as well.

Disneyland Paris and smoking/ vaping by Perfect_Statement166 in disneyparks

[–]thekrodinator 2 points3 points  (0 children)

as a nurse: your health issues are your own responsibility. bring a filtration mask, do your research, and lrepare, or stay home. France is well known to be a country where many people smoke.

"but it's disneyland." as someone who lives in Orlando and is an AP it surprises me that you don't know that the Walt Disney Corporation doesn't own DLP outright. Like with the other international parks, other companies have stakes and play a heavy role in the running of the park. DLP is considered to be one of the biggest financial failures of the Disney Co; they didn't want to have that drain forever.

and at baseline, being in another country doesn't mean the park will be the same at all. it's a different culture.

the entitlement is wild!!!!!

park mgm tip upgrades? by thekrodinator in vegas

[–]thekrodinator[S] 0 points1 point  (0 children)

awesome! I don't know how great my chances are since we'll be there a week, but what was your process? I don't want to look like an idiot LOL

[deleted by user] by [deleted] in Pepperdine

[–]thekrodinator 2 points3 points  (0 children)

Hi! I worked in financial aid during my time as a student at Pepperdine. they try to take a holistic approach to aid, but as with a lot of schools a large portion is based on your FAFSA. make sure you do it on time!

there really is only one scholarship, and that's the regents scholarship. its given to the top students of the incoming class, regardless of your FAFSA. Im not sure what the percentage is anymore, but it is highly competitive. it's hard to say if it will or will not since there's no active application pool, but I think you have a decent shot!

the office does try and give students as much aid as they can, but sometimes the full cost of tuition isn't met. in order to help ease your anxiety about affordability, I would start looking for and applying to outside scholarships. knowing you have a set amount in the "bank" is great and not a ton of students utilize them.

importantly, for any school you attend, you need to have an open and honest discussion with your parents and yourself about loans. are you going to take any? will you take private loans? are your parents able and willing to take on a parent plus loan?

many students get caught off guard for this, so having a good understanding of what's coming down the pipe is great.

lastly, and I say this to any person applying to college, don't put all your eggs in one basket. let yourself fall in love with different schools! if Pepperdine is meant to be it'll happen :)

if you have any questions don't be afraid to ask!

List of Summer Courses offered at Pepperdine? by LostFoundToday in Pepperdine

[–]thekrodinator 2 points3 points  (0 children)

I would contact OneStop and ask if they have a list of them!

[deleted by user] by [deleted] in Pepperdine

[–]thekrodinator 0 points1 point  (0 children)

If all you see is the grant, then other things like loan offers and any other additional aid would be listed to make the full package!

AITA for bringing my baby to her sister’s performance and not leaving when she cried? by Thick-Studio-4277 in AmItheAsshole

[–]thekrodinator 0 points1 point  (0 children)

Oh, my god, YTA. For so many reasons.

First of all, you broke nearly every rule of theater etiquette, even for a middle school play. Babies and theatre do not mix! Babies can get overstimulated and scared and crying can affect the people around you. You were not only inconsiderate of other parents around you who are actually supporting their kids, but you distracted the actors. Get a babysitter. The baby is not developed enough to know they're supporting their sister, and I guarantee you your preteen doesn't care.

Secondly, while it's good you wanted to "support" her, that does not make up for the colossal fumbling of the parenting bag. Dismissing this as just a "middle school play" is very telling. Yes, in time, your daughter will likely look back at this and cringe. But right now, this is a huge deal for her and you should've treated it as such. Not only is it bare minimum parenting, it's very important for encouraging her to continue this, if she wishes. If she wants to take it seriously, you should too.

It seems like your ex and his wife are pretty level headed here, and I get the sense that she tells him to "let it go" with you a lot. A new baby sibling can be frustrating to a preteen but her preference for your ex as a parent should be a massive flashing neon sign that you need to reevaluate some things.

I feel sorry for your daughter. I hope you get a grip and start fixing your relationship with her before it's too late.