well, the past several weeks i have successfully avoided thinking about continuing education. when i was in santa barbara on may 30th for the marathon series of interviews with a prospective doctoral program, i flew home to seattle that night to find my dog dead. so now i have an association between the school and the loss of my baby that i cannot shake.
but now, it is down to brass tacks. they offered me a place in their clinical psychology program, which i accepted. i have sent off the admission deposit, and have gotten the financial aid loan packet back. what i have figured out is this: life for the next four years is going to significantly suck.
the loans that i am eligible for cover $5125 per quarter, total. tuition is 6000, plus another 1200 for mandatory fees, (room & board, and whatnot). transportation is going to be three round-trip flights from seattle to santa barbara per quarter, i figure that to be at least another thousand. so my doctorate is going to cost $3000 a quarter OVER what my loans will cover. and you know what? i haven't even figured in books yet.
thankfully i work full time. but i don't make much. i get paid on the 15th and 30th, rent and stuff comes out of the 30th for the next month. taking all of the 15th-of-the-month checks per quarter, i'll barely make it. that leaves me with half of one paycheck each month (after rent) to cover food, gas, car repairs (which are in progress) car insurance, doctor copays, prescription copays, dental work (also in progress), phone bill, clothes, emergencies, and everything else. so i'm going to have to cut back significantly. and make more money. i talked with my supervisor, who is encouraging me to start private practice work in the evenings as a second job. she even said i can use my work office for that purpose, so that's nice. but pretty soon i'll have to start practicum, which is 1000 hours, followed by internship, which is 1500 hours. so theoretically i'll be working three jobs at once: regular work, private practice work, and practicum & internship.
not to mention that i'll likely, by my calculations, meet my lifetime max for student loans before the doctoral program ends; where that money comes from, i can't even begin to say. unless something in my life radically changes, there is no way to save up that much money by then. i would be looking at about another $20000 for that.
and what does this do to my plans/hopes to start a family in the next few years? i want to have a child before i am old enough to increase the chances of birth defects. but that is not looking good, given that i'll barely be able to support myself. you know, i really wish i was settled in a relationship at this point in my life, where i could pool resources with someone and get support and encouragement through this process. right now i'm really shell-shocked about this whole damn thing. i feel anxious and unsettled, and vaguely depressed. when i take stock of my life, i have a lot going for me, but also a lot is missing. i really want emotional fulfillment. i really miss my baby.