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MissCandice 
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Location: Christchurch
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 Topic: Cold Feet..
Posted: 17 December 2008 at 7:40am |
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Arrrg! I just got my letter from studylink saying that my student loan was accepted and that i have 7 days from the date of the letter to cancel and not have to pay anything. Funny thing is the date of the letter is the 11th Dec, so i have untill tomorrow to cancel if i dont want to go ahead. How is that right? Im sure its not. I just studied legal and compliance at work for the comsumer, privacy and some other act, cant remember.
Anyways not the problem..
Iv got cold feet. What if i dont want to do it anymore, or what if i cant? Why do i do this to myself! What if i suck at the whole thing and i blow all that money!
Grrrr.
Some one tell me to suck it up and get over it please!
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~ Mummy to a beautiful girl ~
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james
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Posted: 17 December 2008 at 7:42am |
dont worry hun i feel the smae way keep putting of my applacation for teachers collage but am putting in today after lunch we can do it and just amagie how pround our babys are going to be when we get to the end 
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minik8e
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Posted: 17 December 2008 at 7:46am |
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Think positive - you CAN do it and you WILL do it - because you WANT to do it!!
I can't help with the student loan thing though, I've just signed up for another two (two different polytechs) because I'll be studying fulltime and working fulltime for 2009.... (plus my loan balance at the moment is in excess of $30K, so yeah....I just try not to think about it....)
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Natalie_G
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Posted: 17 December 2008 at 7:48am |
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I am a part time student, have been for a few years now. It can be scary getting back into it and take time to adjust to the workload but its the best thing you can do, I wouldnt change it at all.
I just wish I was a good girl and stayed at school and went to uni, instead of doing it later.
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ooEvaoo
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Posted: 17 December 2008 at 8:00am |
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Don't worry about it, if you decide you don't want to do the course anymore, part if not all of the fees will be refunded back to studylink...read through the terms and conditions of your course, it usually has a guide.
Minik8e..my student loan is blasted outta the water too...and I've still got 3 years to go! lolz. Will probably die with my SL debt!!
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kezplanet
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Posted: 17 December 2008 at 8:48am |
LOL ** Suck it up and get over it **
You wouldn't have gone this far if you didn't want it, have some faith in yourself!! 
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Kerryn, Mum to
Ashlyn(29/3/04), Anastasia(1/11/05) & Abigail (24/02/09)
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MissCandice
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Posted: 17 December 2008 at 8:48am |
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Im freaking out!
I know its nothing major but im already in debt and im thinking why am i doing this now instead of going back to work full time and getting myself out of debt!
I really want to do it!
Ok. So im going to just do it. I wont regret it once im finished.
I cant help thinking that what if i fail!
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~ Mummy to a beautiful girl ~
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kezplanet
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Posted: 17 December 2008 at 9:01am |
Kandice getting into more debt is something to think about BUT the reward after will be soooooo worth it!! The chances of you failing I would think are slim as we don't like to set ourselves up for failure so generally don't do it and there will always be help along the way.
Jump in ....... feet 1st 
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Kerryn, Mum to
Ashlyn(29/3/04), Anastasia(1/11/05) & Abigail (24/02/09)
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minik8e
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Posted: 17 December 2008 at 9:03am |
You won't fail Kandice 
To be honest, I don't notice my student loan repayments coming out of my salary. Granted, it's money I've never had (I've been paying for a student loan ever since I started working full-time) but because you don't see it, then have it taken away, you don't really miss it. And I pay back a hefty $70 a week (remember, the repayments are based on your income).
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MissCandice
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Posted: 17 December 2008 at 9:13am |
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I only work part time, and i think im just a few hundred over the threshold for have to pay back, do they only take money off wehat you ear OVER that amount or your whole income? Do they take WFF into account when adding up that total?
Thanks guys for having faith in me.. i have noone else to get support from.
Doing this all alone is going to be the hardest thing!
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~ Mummy to a beautiful girl ~
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caraMel
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Posted: 17 December 2008 at 9:25am |
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You can do it Kandice!
Doing it alone will be hard, but that challenge can also be your motivation. Imagine how good you'll feel knowing that achievement is all yours!
You're obviously a smart wee cookie and will be a great role model for Kylah.
Go on, you'll so regret it if you don't.
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Mel, Mummy to E: 6, B: 4 and:
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clover
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Posted: 17 December 2008 at 9:28am |
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Kandice, I've obviously missed the post but what did you end up studying in the end?
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MissCandice
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Posted: 17 December 2008 at 9:33am |
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Im doing pre health and im going to do midwifery. Its what iv wanted to do since Kylah was born as having her was what made me realize i do know what i want to do!
Thanks guys.
I just cant help but feel like its wrong. Iv never done anything for me, and its just different i guess.
I cant help but have a feeling that im neglecting Kylah by doing this. She wont be of course and i know this i just feel this way.
Im off to CPIT to take my ID in to complete the enrollment and talk to the careers people and hopefully get a timetable so i can sort it out with work.
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~ Mummy to a beautiful girl ~
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peachy
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Posted: 17 December 2008 at 10:09am |
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Kandice, debt is NOT a bad thing to have, we all need debt to get ourselves ahead. Its the managing of that debt that is the key, so as long as you can manage it, you will be fine. Believe in yourself!!
Go for it, you have nothing to loose and a whole lot to gain!
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Jessica
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Posted: 17 December 2008 at 10:12am |
Go for it Kandise, it is not like you are rushing into it, you have put a lot of thought into it. Kylah will be so proud of her mum and I know that having my qualifications does make me more positive that I can handle things. I am sure there will be times when you question why you are doing it but we have all been there. In the medium/long term you are doing something that will be a great benefit to you and Kylah, and that is what matters.
I have a good sized student loan and I was paying it off when I was working but am not at the moment. If it means you can get ahead make use of it and it is a huge help, I couldn't have gone to uni and t col without access to a loan and scholarships.
Hope everything goes well at CPIT today.
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Our con-joined boys 20 wk
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MissCandice
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Posted: 17 December 2008 at 10:17am |
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Iv decided to put it off untill June/July.
Iv just sat down and really thought about it.
Everything is getting ontop of me.
I have HUGE relationship problems, i have living back at home problems, i have stress of finding a house and coming up with bond.
Childcare for Kylah while studying.
Work.
I think i should put it off for a few months.
While i know i still want to do it, if the house/relationship issues dont work out il have a relationship break up to deal with too and i want to be thee for Kylah when/if that happens.
I am so stressed out i dont know how to control it, i think i need to eliminate what is causing it, sort myself out and reapply. When i can really focus.
Thanks guys for all your words of support i REALLY dont know what i would do without you guys.
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~ Mummy to a beautiful girl ~
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Jessica
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Posted: 17 December 2008 at 10:22am |
Probably a good call, you need to be in a good space to do as well as you can. Could you ask for some reading or some pre course work to do before july, it will help you get into 'study' mode and they will see you are keen and proactive. Just a thought.
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Our con-joined boys 20 wk
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MissCandice
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Posted: 17 December 2008 at 10:29am |
 Jessica wrote:
Probably a good call, you need to be in a good space to do as well as you can. |
Thants exactly why i think i should postpone. Right now im not in good head space, i have alot of things going on and i think that trying to start in feb is going to stress me out even more. Iv just cancelled my student loan.
I already feel like theres a weight being lifted.
Thank you again everyone!
I wish i could give you all a huge hug! You are great!
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~ Mummy to a beautiful girl ~
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lizzle
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Posted: 17 December 2008 at 11:43am |
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Kandice - if you are postponing cause thats what you feel is best for your family - good on ya, but if you are postponing cause you are scared.....you need to face your fear.
When I got my first job teaching I was terrified. If you search, you can probably find a thread saying "what have I done, I don't even like kids!!!!", and a lot of people telling me (very nicely) to get over myself. It was terrifying, but on the other side, I am so proud of myself for getting stuff done.
So, as I said, if you are postponing cause you think the situation is not good or conducive to study - great, but if it's cause you are scared - really need to push through cause it will be sooooooo worth it.
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skp
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Posted: 17 December 2008 at 12:05pm |
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I am really interested in midwifery also, the only issue I think would be being undermined by Dr's etc. It would be an awesome job if you had a good team to work with though
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Cold Feet..
