A
female
age
30-35,
anonymous
writes:Hi I need help.I want to be a photographer, and I have to choose between two different colleges.I can go to college "one", which will cost $30, 000 and take me 3 years to save for. this course goes for two years and when I finish I will have a diploma in photography.Or I can go to college "2" which will cost $55, 000 but will be payed for by the government with an additional fee of $12,000 which I will have to pay back once I have a stable income. But upon completion I will have a bacholer of art (better than college 1 qualification) and the course will take 3 years but I can commence it straight away, unlike college 1 because I need to save.College 2 also has better facilities.Which college do u think is better?I prefer college two, but im not to keen to owe the government $67, 000. Reply to this Question
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male
reader, LazyGuy  +, writes (2 May 2009):
 Student loans are pretty normal. While it shows real wisdom not wanting to have a debt, this is different. There will be no suprise intrest rates, the loan is extremely limite in how you can spend it (you are not getting it to go on a holidy or a new couch) and frankly, it is the way a lot of people fund their education.
So go for college 2. While the loan is huge and will take decades to pay off, it is the way things are done.
Also with current down economy, it might be wise to take yourself out of the job market for a couple of years.
Being a proffesional photographer is already hard enough (ENG-cameraman wannabe here) you need all the training you can get to stand a chance.
A
reader, anonymous, writes (2 May 2009): Wow that is expensive!! Even when converted to GBP. I was thinking you should go for college 1, until I read that college 2 offers a better qualification. You may be paying it back for quite some time, but graduating from college 2 will increase your chances of finding a job, and you won't be wasting 3 years saving up beforehand. Just make sure you know what you're getting into before agreeing to pay back such a huge loan!! Good luck in making the right decision, let me know what you decide.
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A
reader, anonymous, writes (2 May 2009): not sure of Oz rules - but college 2 gets my vote - in theory you will come out with a better job. the paying back is at low - zero interest? so its a gentle payback.
once you deduct what you would have earn't and then spent on college 1, college 2 is a much smaller number for a longer course with better facilities, that you start sooner.
go click and be happy,
Star.x.
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