A conversation about Safety School, Reach School, Match School, Target School | AZ College Planning

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Student Hello!

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JD Wyczalek: Oh, there you are.

 

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Student Yeah, I was texting that I was already here waiting for you, and all that.

 

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JD Wyczalek: Alright.

 

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JD Wyczalek: Great, how are you today?

 

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Student Doing good, and yourself?

 

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JD Wyczalek: I’m doing good. Do you have plans for Halloween?

 

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Student I don’t know how to answer that question, but I already bought the kids enough candy to last them a lifetime, so…

 

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Student So maybe for the neighbor… maybe for the… the neighbor’s kids, yeah, maybe.

 

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JD Wyczalek: Oh, nice.

 

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Student Because my kids are grown now, they are, like, big teenagers, so…

 

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JD Wyczalek: Okay.

 

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JD Wyczalek: Oh, yeah, yeah.

 

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JD Wyczalek: When I was in reach school, safety school, match school, target school, college my freshman year, I went to Biola University in Los Angeles.

 

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Student Mhm.

 

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JD Wyczalek: A bunch of us were hanging around, and someone in the group said.

 

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JD Wyczalek: hey, Halloween’s coming up, what should we do? And someone else in the group said, we should go trick-or-treating!

 

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JD Wyczalek: And, well, we don’t have any costumes. Well, no problem, we’ll just go to the Goodwill. So we went to the Goodwill, and we found something.

 

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Student Nice.

 

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JD Wyczalek: And then… and then, uh…

 

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JD Wyczalek: Someone in the group says, where should we go trick-or-treating?

 

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JD Wyczalek: And someone else said.

 

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JD Wyczalek: We should go to Beverly Hills!

 

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Student The rich folks live!

 

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JD Wyczalek: Oh, yeah!

 

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JD Wyczalek: Yeah, so we… we drove over there in my… in my friend’s really terrible car.

 

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Student Oh my god!

 

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JD Wyczalek: And we parked on the street, and there’s all these giant mansion houses, and we walk up this driveway.

 

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JD Wyczalek: Super long driveway, and we knock on the door, knock, knock.

 

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JD Wyczalek: And the guy answers the door, and he says, what do you want?

 

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JD Wyczalek: Or, like, costumes, trick or treat?

 

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JD Wyczalek: He’s like, oh, okay. You know the little fun-sized candies?

 

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JD Wyczalek: Here’s one for you. Those are not fun!

 

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Student We need to, like, dig in and take a lot. What’s wrong with you?

 

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JD Wyczalek: Right, right. So, lesson learned, if you ever go to reach school, safety school, match school, target school, college or trick-or-treating in LA, don’t go to Beverly Hills.

 

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Student Yeah. Yeah.

 

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JD Wyczalek: So…

 

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Student Or I’ll do a trunk or treat or something, or buy my own candy, how about that?

 

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JD Wyczalek: Yes. So, let me ask you this question as we start.

 

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JD Wyczalek: And that is, um…

 

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Student Right.

 

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JD Wyczalek: What brings you in today, and what’s your big concern with reach school, safety school, match school, target school, college?

 

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Student Right, my son is a senior in high school, and he’s, um…

 

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Student hoping to study nursing or something medical field, so I’m just trying to look for as much.

 

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Student I don’t want to pay all these huge prices, you know? I’m being debt.

 

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Student So, I’m just trying to look at what are all the options out there, scholarships, reduction in prices, whatever. So, I saw your webinar, or whatever, I saw it online, I was like, okay, let me sign up and see what you can offer.

 

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JD Wyczalek: Okay.

 

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JD Wyczalek: Mhm.

 

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JD Wyczalek: Okay, so let me ask you a couple questions.

 

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JD Wyczalek: Uh, has your son already applied to reach school, safety school, match school, target school, colleges?

 

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Student Um, we are looking into one reach school, safety school, match school, target school, college, it’s called Chamberlain.

 

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Student Reach school, safety school, match school, target school, college of Nursing? Yeah, that’s one that we’re really looking into, because we heard good things about it. He hasn’t applied fully. Right now, he’s been on the phone with one of the representatives right now. We’re supposed to have a meeting.

 

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JD Wyczalek: Oh, uh-huh. Yep.

 

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Student I thought ours was 8 AM, I mixed up the timing, so…

 

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JD Wyczalek: Oh, okay.

 

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Student There’s no aroma yet, just, you know, just talking, if that makes sense.

 

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JD Wyczalek: Um…

 

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JD Wyczalek: really looking to Chamberlain before you decide to go there.

 

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Student Okay.

 

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JD Wyczalek: They are a, uh, for-profit reach school, safety school, match school, target school, college.

 

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Student Okay.

 

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JD Wyczalek: Which is… which is fine, I don’t… it doesn’t matter to me.

 

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JD Wyczalek: Um, what we’ll…

 

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JD Wyczalek: What you need to find out is.

 

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JD Wyczalek: Does… is the reach school, safety school, match school, target school, college, um…

 

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JD Wyczalek: Is it… is it, uh, um…

 

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Student Accredited? Yes, it’s accredited.

 

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JD Wyczalek: Accredited, accredited, yeah, thank you.

 

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Student Yeah. Mm-hmm. It is.

 

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JD Wyczalek: It is a credit, okay. All right, good.

 

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JD Wyczalek: Um, Guid?

 

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Student I think what I like about it is that you don’t need to do any prerequisites and all that, testing and everything, so it’s kind of like a straight shot into it. And then there’s no waiting list, because my first priority was actually to go into a community reach school, safety school, match school, target school, college, um, apply, there’ll be a long waiting list, and all that stuff, or he ain’t just go straight in and, you know, crush it out in 3 years and be done, and start working.

 

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JD Wyczalek: Yeah.

 

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Student Right.

 

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JD Wyczalek: Yeah. Um…

 

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JD Wyczalek: The other thing is, what kind of a degree is he going to get from Chamberlain?

 

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JD Wyczalek: Is he going to get a bachelor’s degree?

 

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Student Yes.

 

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JD Wyczalek: If the answer is yes, then I would consider it.

 

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Student Yes.

 

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JD Wyczalek: And that. Uh, the other thing with these, um, for-profit reach school, safety school, match school, target school, colleges.

 

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JD Wyczalek: Is they tend to be expensive.

 

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Student Oh, I know.

 

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JD Wyczalek: And don’t necessarily give out the best scholarships, if any scholarships at all.

 

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Student You’re right.

 

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JD Wyczalek: Okay. Um…

 

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JD Wyczalek: If you’re looking in-state.

 

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Student Yeah.

 

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JD Wyczalek: then I… then I would… I would look at, uh, ASU, and I would also look at, uh, GCU.

 

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JD Wyczalek: Grand Canyon University.

 

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Student Grand Canyon University is private tour, too.

 

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Student You know that, right?

 

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JD Wyczalek: It’s a private… it’s a private school, yes.

 

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JD Wyczalek: But they do have a lot of money to give out.

 

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Student Yeah.

 

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Student Oh, okay.

 

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JD Wyczalek: Uh, and… and…

 

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Student Okay.

 

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JD Wyczalek: Most of the time, like, maybe 7 out of 10, maybe even 8 out of 10 times.

 

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JD Wyczalek: It’s less expensive to go to Grand Canyon.

 

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JD Wyczalek: than it would be to go to ASU.

 

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Student Oh.

 

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Student Really? I thought it was the opposite. I thought Grand County was more expensive than ASU, because I thought, you know, ASU is state, GCU is private.

 

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JD Wyczalek: Mhm.

 

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JD Wyczalek: Yeah. Um, GCU and ASU, they are competitive with each other.

 

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Student Good to know.

 

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Student Okay.

 

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JD Wyczalek: And if you apply to both, my guess is it would probably be cheaper to go to Grand Canyon.

 

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Student Well, good to know. Thank you for telling me that. I didn’t know that. For a nursing degree?

 

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JD Wyczalek: So…

 

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JD Wyczalek: So, definitely… yes.

 

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Student For nursing? Okay, bachelor’s in nursing, okay.

 

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JD Wyczalek: Uh huh?

 

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JD Wyczalek: Yep. Yeah. Um…

 

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JD Wyczalek: just to give you a little bit of history on GCU.

 

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Student Okay.

 

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JD Wyczalek: Uh, they did have a problem with their nursing program.

 

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Student Oh.

 

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JD Wyczalek: Where… where no one in the Valley would hire.

 

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JD Wyczalek: any graduates from GCU that were nurses?

 

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Student Okay.

 

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JD Wyczalek: And the reason is because.

 

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JD Wyczalek: The nursing program used to be straight virtual.

 

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JD Wyczalek: Well, when they figured out what the problem was.

 

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JD Wyczalek: they, uh, reverted the program. So for the last 5 or 6 years now, it’s been a really good program.

 

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JD Wyczalek: Where you could take some virtual classes, but you’re also going to do your rotations, which is what’s required.

 

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JD Wyczalek: For, uh, going into the nursing field.

 

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Student Yeah, I would rather not do a virtual for my kid. I’d rather that he be in class.

 

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Student I think that’s better for me, yeah.

 

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JD Wyczalek: Yes. Uh-huh.

 

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JD Wyczalek: Um, how are his grades? What’s his GPA?

 

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Student Um, I think it’s 3 point…

 

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Student I believe last time you saw, you said it was 3.5 or 3.6 or something like that?

 

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JD Wyczalek: Okay. Yeah, good job on that, definitely keep that up.

 

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Student Uh huh.

 

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JD Wyczalek: Has he taken the SAT or ACT?

 

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Student Uh… I’m just taking what?

 

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Student The, the, what?

 

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Student You know what? Hold on, we’re just going to get do a door. He’s his own Zoom Meeting, and I’m going to just…

 

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Student Crash into his… Hold on.

 

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JD Wyczalek: Okay.

 

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Student Can you, uh, hold on, please?

 

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Student Uh, no. Hold on.

 

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Student Oh, hold on, excuse me a minute. Okay.

 

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Student Okay, sure.

 

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Student Okay, what did you ask? Did you the… this is my thoughts.

 

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JD Wyczalek: Did you take that? Hi, I’m JD.

 

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Student Hello?

 

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JD Wyczalek: Uh, did you take the SAT or ACT? And if you did, what score did you get?

 

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Student Uh, ACT…

 

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Student I got a score, I think it was somewhere, like.

 

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Student 23.

 

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JD Wyczalek: Alright. And your GPA is about a 3.5, 3.6?

 

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Student 3.5.

 

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JD Wyczalek: Yeah, good job on that.

 

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JD Wyczalek: Okay. Uh, and you want to study nursing?

 

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Student Yep.

 

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JD Wyczalek: Okay, I just mentioned to your mom that you should consider looking at GCU, Grand Canyon University.

 

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JD Wyczalek: Uh, they’ve got a really good nursing program, and it’s usually cheaper to go to GCU than it is to go to ASU.

 

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Student Okay, don’t worry. Are you… do you have any other questions for him? Because he needs to finish his own meeting.

 

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JD Wyczalek: Uh, no, uh, nice meeting you, go back to your meeting.

 

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Student Mhm. Okay.

 

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Student Ah, thank you. On mute.

 

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JD Wyczalek: Yeah.

 

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Student Sorry.

 

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JD Wyczalek: Yeah, no problem at all.

 

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Student Like I said, this two is the… the misses are clashing at the same time. I thought ours was 8am, I didn’t know it was 4pm.

 

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JD Wyczalek: Yeah, yeah, no problem at all.

 

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Student Yeah. Okay, so I’m writing down GCO, so we’ll look into that as well.

 

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Student But do they… do they require prerequisites and stuff?

 

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JD Wyczalek: Um…

 

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JD Wyczalek: Yes.

 

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JD Wyczalek: But you’re going to, you’re going to get a full, uh, a full bachelor’s degree at that school.

 

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JD Wyczalek: And, uh, um, my…

 

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JD Wyczalek: My middle daughter, she went to Grand Canyon.

 

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Student Okay.

 

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JD Wyczalek: And, um, she graduated from GCU in three and a half years.

 

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Student Okay.

 

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JD Wyczalek: Yeah, and the reason is because she… she just…

 

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JD Wyczalek: Took as many classes as she could.

 

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Student Mhm.

 

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JD Wyczalek: And, uh, was able to graduate faster that way.

 

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Student Okay.

 

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JD Wyczalek: I’ve had quite a few kids who’ve accelerated graduation at GCU.

 

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Student What did she study?

 

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JD Wyczalek: That… she studied communications.

 

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Student Gotcha, okay.

 

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JD Wyczalek: Yeah, I’ve had, I’ve had others, uh.

 

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JD Wyczalek: I had a nursing student who did Accelerate.

 

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JD Wyczalek: and graduate early, uh, from GCU.

 

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Student Mhm.

 

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Student Okay.

 

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JD Wyczalek: So, it can be done. It’s a lot of work, but it can be done.

 

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Student Right, right.

 

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JD Wyczalek: But that… but that extra semester, you’re… you’re saving a ton of money.

 

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Student Oh, definitely.

 

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JD Wyczalek: And that’s, uh…

 

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Student It’s just quite… it’s just quite funny that ASU is more expensive than GCU. I thought it was the opposite, for real. I thought with ASU it was cheaper out-of-state, so you have that in-state tuition, um, reduction and all that stuff, so…

 

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JD Wyczalek: Yeah. You know.

 

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Student Good to know, good to know.

 

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JD Wyczalek: Yeah, yeah. Um, I do not recommend AU.

 

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Student AU, okay, do not recommend.

 

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JD Wyczalek: No, not for nursing.

 

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JD Wyczalek: And the reason is because…

 

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JD Wyczalek: If you look at AU.

 

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Student Uh huh.

 

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JD Wyczalek: Their admission… their admission ratio is, like, 90%.

 

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JD Wyczalek: So he’ll get in, he’ll get in fine.

 

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Student Okay.

 

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JD Wyczalek: But then, they only take, um…

 

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JD Wyczalek: 30 kids into the nursing program.

 

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Student Mm.

 

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JD Wyczalek: And 300 or more apply.

 

00:15:00.000 –> 00:15:09.000

JD Wyczalek: So it’s a 10… so it’s a 10% chance of getting admitted if he was to go to AU Flagstaff campus, so I don’t recommend that.

 

00:15:00.000 –> 00:15:02.000

Student Oh, Lord.

 

00:15:08.000 –> 00:15:12.000

Student Oh, no. Why not? No. I want something…

 

00:15:12.000 –> 00:15:15.000

Student within where we stay. He’s not… he’s not going out of city or somewhere, no.

 

00:15:15.000 –> 00:15:17.000

Student Yeah.

 

00:15:16.000 –> 00:15:18.000

JD Wyczalek: Well, why not?

 

00:15:18.000 –> 00:15:20.000

Student It’s just a preference.

 

00:15:20.000 –> 00:15:23.000

JD Wyczalek: Okay. Alright.

 

00:15:21.000 –> 00:15:24.000

Student Yeah, I don’t want him too far, too far out.

 

00:15:24.000 –> 00:15:28.000

JD Wyczalek: Uh, how… how close are you to, uh, GCU?

 

00:15:28.000 –> 00:15:31.000

Student We actually leave, um, like…

 

00:15:31.000 –> 00:15:34.000

Student maybe 5 or 4 miles away from GCU?

 

00:15:34.000 –> 00:15:44.000

Student Well, yeah, yeah, just use that canal back. We’re at, um, 51st Avenue and Northern. It’s literally there, like, within 10-15 minutes, we’re there.

 

00:15:35.000 –> 00:15:37.000

JD Wyczalek: Oh. He could…

 

00:15:43.000 –> 00:15:46.000

JD Wyczalek: Uh-huh. Yeah, so he could live at…

 

00:15:44.000 –> 00:15:46.000

Student Yeah. No, it’s not far at all.

 

00:15:47.000 –> 00:15:49.000

JD Wyczalek: He could live at home and go to GCU.

 

00:15:49.000 –> 00:15:58.000

Student That’s what I’m saying, I’m trying to save that money. We’re, you know… Thinking of lodging and all that, or feeding and all that, it’s going to save all that money.

 

00:15:51.000 –> 00:15:53.000

JD Wyczalek: Yeah, yeah.

 

00:15:53.000 –> 00:15:55.000

JD Wyczalek: So, stay at… stay at home.

 

00:15:58.000 –> 00:16:02.000

JD Wyczalek: Yeah, yeah, that would… that would save you a ton of money.

 

00:16:02.000 –> 00:16:04.000

Student Yeah.

 

00:16:02.000 –> 00:16:07.000

JD Wyczalek: Um, yeah, definitely look at GCU and their nursing program.

 

00:16:06.000 –> 00:16:08.000

Student Okay. I appreciate that.

 

00:16:08.000 –> 00:16:14.000

JD Wyczalek: do look at, uh, at ASU’s nursing program. Now, ASU’s nursing program.

 

00:16:14.000 –> 00:16:16.000

JD Wyczalek: there’s two…

 

00:16:16.000 –> 00:16:20.000

JD Wyczalek: Uh, admission policies with their nursing program.

 

00:16:20.000 –> 00:16:22.000

Student Okay.

 

00:16:21.000 –> 00:16:23.000

JD Wyczalek: There’s a direct admit.

 

00:16:23.000 –> 00:16:26.000

JD Wyczalek: And then, um, there’s an apply.

 

00:16:26.000 –> 00:16:30.000

JD Wyczalek: So, I’d have to look it up, but uh…

 

00:16:30.000 –> 00:16:33.000

JD Wyczalek: For a direct admit into the nursing program.

 

00:16:33.000 –> 00:16:39.000

JD Wyczalek: you have to have a minimum GPA, and I want to say it’s a 3.7, or maybe a 3.8.

 

00:16:39.000 –> 00:16:41.000

Student Okay.

 

00:16:40.000 –> 00:16:45.000

JD Wyczalek: So, uh, you’ll have… again, you’ll have to… to check that out. Um…

 

00:16:44.000 –> 00:16:46.000

Student Okay.

 

00:16:46.000 –> 00:16:50.000

JD Wyczalek: if a student has a 3.8 or above GPA.

 

00:16:49.000 –> 00:16:51.000

Student Mhm.

 

00:16:50.000 –> 00:16:55.000

JD Wyczalek: And they apply to the nursing program, they’re in the nursing program right from the very beginning.

 

00:16:55.000 –> 00:16:58.000

Student Gotcha. For ASU?

 

00:16:56.000 –> 00:17:00.000

JD Wyczalek: If… for ASU, correct, yeah.

 

00:16:59.000 –> 00:17:01.000

Student Okay. Okay.

 

00:17:00.000 –> 00:17:03.000

JD Wyczalek: With GCU, you’re in at the beginning.

 

00:17:03.000 –> 00:17:05.000

Student Okay.

 

00:17:04.000 –> 00:17:10.000

JD Wyczalek: Um, if… if a student applies to ASU nursing program.

 

00:17:10.000 –> 00:17:12.000

Student Mhm.

 

00:17:10.000 –> 00:17:13.000

JD Wyczalek: And they’re not admitted.

 

00:17:13.000 –> 00:17:15.000

Student Uh huh.

 

00:17:13.000 –> 00:17:15.000

JD Wyczalek: right away.

 

00:17:16.000 –> 00:17:19.000

JD Wyczalek: They would still take all the biology classes.

 

00:17:19.000 –> 00:17:21.000

Student Mhm.

 

00:17:19.000 –> 00:17:22.000

JD Wyczalek: Which will… which will help them when they go into the nursing program.

 

00:17:22.000 –> 00:17:24.000

Student Gotcha.

 

00:17:23.000 –> 00:17:26.000

JD Wyczalek: And then… and then in their sophomore year.

 

00:17:26.000 –> 00:17:31.000

JD Wyczalek: they would apply to the nursing program at ASU.

 

00:17:31.000 –> 00:17:33.000

Student Mhm.

 

00:17:31.000 –> 00:17:34.000

JD Wyczalek: Uh, and then you have to have a minimum GPA.

 

00:17:34.000 –> 00:17:37.000

JD Wyczalek: to get into that nursing program, and I think it’s 3.0.

 

00:17:37.000 –> 00:17:42.000

JD Wyczalek: in reach school, safety school, match school, target school, college. So you’d have to have a 3-0 in reach school, safety school, match school, target school, college or better to get…

 

00:17:37.000 –> 00:17:39.000

Student Mhm.

 

00:17:41.000 –> 00:17:47.000

Student That does… yeah, that sounds just too complicated. I want something easy, easy, and narrow.

 

00:17:47.000 –> 00:17:50.000

JD Wyczalek: uh, GCU. Probably.

 

00:17:48.000 –> 00:17:51.000

Student Oh, that’s look at you, too. Okay.

 

00:17:50.000 –> 00:17:53.000

JD Wyczalek: It’s probably your easiest bet with that.

 

00:17:52.000 –> 00:17:55.000

Student Okay, thank you. I’ll look into that.

 

00:17:54.000 –> 00:17:56.000

JD Wyczalek: Yeah. Um…

 

00:17:57.000 –> 00:17:59.000

JD Wyczalek: The other thing is, uh…

 

00:17:59.000 –> 00:18:03.000

JD Wyczalek: Have you applied for financial aid with a FAFSA form yet?

 

00:18:03.000 –> 00:18:08.000

Student Not yet, and the reason why I haven’t is because of the fact that.

 

00:18:08.000 –> 00:18:17.000

Student they only consider your income, but they don’t consider your expenses or debt, right? So if you make a reasonable… if you make…

 

00:18:14.000 –> 00:18:16.000

JD Wyczalek: Right.

 

00:18:17.000 –> 00:18:26.000

Student Not… I mean, if you make something, they’re like, okay, you’re making enough, so you’re not entitled to anything. And that’s part of the reasons why I want… I want to talk to you on how can we…

 

00:18:27.000 –> 00:18:31.000

Student walk around that. They’re not looking at the money.

 

00:18:33.000 –> 00:18:39.000

Student But they are looking at how they can assess, because there’s also debt, there’s a debt ratio as well. It’s not just the income, we have debt…

 

00:18:39.000 –> 00:18:43.000

JD Wyczalek: Uh, right, right. Yeah, the FAFSA does not ask about debt at all.

 

00:18:39.000 –> 00:18:41.000

Student to fill the center.

 

00:18:43.000 –> 00:18:47.000

Student I know, which is… which is kind of not balanced, it’s not… it’s not good.

 

00:18:44.000 –> 00:18:49.000

JD Wyczalek: Yeah. Yeah, I had… I had another family.

 

00:18:49.000 –> 00:18:52.000

JD Wyczalek: Um, where they made about…

 

00:18:53.000 –> 00:18:55.000

JD Wyczalek: $450,000 a year.

 

00:18:55.000 –> 00:18:57.000

Student Uh-huh.

 

00:18:56.000 –> 00:18:59.000

JD Wyczalek: Uh, and they, and they spent…

 

00:18:59.000 –> 00:19:02.000

JD Wyczalek: $460,000 a year?

 

00:19:02.000 –> 00:19:05.000

JD Wyczalek: So… yeah.

 

00:19:05.000 –> 00:19:08.000

Student It’s not possible. Maybe medical bills.

 

00:19:06.000 –> 00:19:08.000

JD Wyczalek: He had 4…

 

00:19:08.000 –> 00:19:11.000

JD Wyczalek: No. He had 4 car payments.

 

00:19:11.000 –> 00:19:13.000

JD Wyczalek: a Harley-Davidson payment.

 

00:19:14.000 –> 00:19:16.000

JD Wyczalek: a boat payment, an RV payment.

 

00:19:16.000 –> 00:19:21.000

JD Wyczalek: And… and he’s like, I can’t afford reach school, safety school, match school, target school, college. And I said, well, sell something.

 

00:19:21.000 –> 00:19:23.000

Student Right!

 

00:19:22.000 –> 00:19:25.000

JD Wyczalek: Um, yeah. So…

 

00:19:24.000 –> 00:19:26.000

Student That’s ridiculous!

 

00:19:25.000 –> 00:19:27.000

JD Wyczalek: If you have…

 

00:19:27.000 –> 00:19:29.000

JD Wyczalek: uh, medical debt.

 

00:19:30.000 –> 00:19:35.000

JD Wyczalek: Uh, then you might be able to write an appeal to the reach school, safety school, match school, target school, college and ask them to.

 

00:19:35.000 –> 00:19:37.000

JD Wyczalek: Yeah, help out with some additional aid.

 

00:19:38.000 –> 00:19:41.000

Student Oh, through FAFSA, or through the reach school, safety school, match school, target school, college directly?

 

00:19:41.000 –> 00:19:43.000

JD Wyczalek: Through the reach school, safety school, match school, target school, college directly.

 

00:19:43.000 –> 00:19:45.000

Student Okay.

 

00:19:44.000 –> 00:19:50.000

JD Wyczalek: And you’re… and you’re… if you were to do that through Chamberlain, they’ll probably tell you no.

 

00:19:51.000 –> 00:19:54.000

JD Wyczalek: But at GCU, they might say yes.

 

00:19:57.000 –> 00:19:59.000

JD Wyczalek: So, um…

 

00:20:00.000 –> 00:20:03.000

JD Wyczalek: On the FAFSA, there’s 3 questions.

 

00:20:03.000 –> 00:20:09.000

JD Wyczalek: The first question is, among other questions, there’s 3 financial questions.

 

00:20:09.000 –> 00:20:13.000

JD Wyczalek: The first question is, how much do you have in your checking and savings account?

 

00:20:13.000 –> 00:20:15.000

JD Wyczalek: Whatever that number is.

 

00:20:13.000 –> 00:20:15.000

Student Mhm.

 

00:20:15.000 –> 00:20:17.000

JD Wyczalek: It is. Um…

 

00:20:18.000 –> 00:20:22.000

JD Wyczalek: the number that you should… that you should report on the FAFSA.

 

00:20:22.000 –> 00:20:25.000

JD Wyczalek: Is… what is the low?

 

00:20:25.000 –> 00:20:29.000

JD Wyczalek: So, what are… you get paid at the beginning of the month, and then you pay your bills.

 

00:20:30.000 –> 00:20:35.000

JD Wyczalek: what’s the low after you pay all your bills? That’s the number that you should report there.

 

00:20:33.000 –> 00:20:35.000

Student Like, what’s the batter? Okay.

 

00:20:35.000 –> 00:20:38.000

JD Wyczalek: Yeah. Yeah. And the…

 

00:20:36.000 –> 00:20:38.000

Student I can listen, yeah, okay.

 

00:20:38.000 –> 00:20:42.000

JD Wyczalek: And then the next question it asks is, how much do you have in your investment accounts?

 

00:20:43.000 –> 00:20:47.000

JD Wyczalek: Um, that would not include.

 

00:20:47.000 –> 00:20:51.000

JD Wyczalek: your retirement accounts, or 401Ks, or IRAs, so…

 

00:20:49.000 –> 00:20:51.000

Student Oh. Okay.

 

00:20:51.000 –> 00:20:53.000

JD Wyczalek: So, do not report those.

 

00:20:54.000 –> 00:20:57.000

Student Okay, don’t report investments.

 

00:20:58.000 –> 00:21:00.000

JD Wyczalek: retirement accounts.

 

00:21:00.000 –> 00:21:03.000

Student Ironman accounts. Okay.

 

00:21:02.000 –> 00:21:06.000

JD Wyczalek: And then… and then the last financial question is.

 

00:21:06.000 –> 00:21:09.000

JD Wyczalek: Um, what’s the value of your business?

 

00:21:11.000 –> 00:21:13.000

JD Wyczalek: Do you… do you have a business?

 

00:21:14.000 –> 00:21:16.000

JD Wyczalek: Then the answer would be zero on that one.

 

00:21:16.000 –> 00:21:18.000

Student Okay.

 

00:21:18.000 –> 00:21:20.000

JD Wyczalek: Okay? Um…

 

00:21:18.000 –> 00:21:20.000

Student Okay, mhm.

 

00:21:21.000 –> 00:21:24.000

JD Wyczalek: Filling out the FAFSA is not that difficult.

 

00:21:24.000 –> 00:21:26.000

JD Wyczalek: It’s a two-step…

 

00:21:24.000 –> 00:21:31.000

Student They do ask for tax… they ask for tax returns, don’t they? Um, like, your tax document for the year, or the last year, right?

 

00:21:30.000 –> 00:21:35.000

JD Wyczalek: Yes, yeah, so you’ll have to create a FSA ID.

 

00:21:36.000 –> 00:21:40.000

JD Wyczalek: And, um, to do that, you’ll go to studentaid.gov.

 

00:21:40.000 –> 00:21:45.000

Student FSAID, so go to students, uh-huh.

 

00:21:45.000 –> 00:21:47.000

JD Wyczalek: studentaid.gov.

 

00:21:47.000 –> 00:21:49.000

Student Studentaid.gov.

 

00:21:47.000 –> 00:21:50.000

JD Wyczalek: And that AI…

 

00:21:50.000 –> 00:21:52.000

JD Wyczalek: studentaidaid.gov.

 

00:21:53.000 –> 00:21:57.000

JD Wyczalek: Uh-huh. And you’ll, uh, click on Create a FSA ID.

 

00:21:53.000 –> 00:21:55.000

Student Okay, mhm.

 

00:21:57.000 –> 00:22:00.000

JD Wyczalek: And you’ll need two of them. One for you.

 

00:22:01.000 –> 00:22:04.000

JD Wyczalek: Uh, parent, and one for your son.

 

00:22:06.000 –> 00:22:10.000

JD Wyczalek: And then, um, you log into the FAFSA twice.

 

00:22:11.000 –> 00:22:13.000

JD Wyczalek: The first time you log in, you’ll log in.

 

00:22:13.000 –> 00:22:15.000

JD Wyczalek: As you, as the parent.

 

00:22:15.000 –> 00:22:18.000

JD Wyczalek: So you’ll use that FSA ID to log in.

 

00:22:19.000 –> 00:22:22.000

JD Wyczalek: And then it’s going to ask you all those questions.

 

00:22:22.000 –> 00:22:28.000

JD Wyczalek: Those three questions, and then it’s going to say it’s going to connect to the IRS’s database.

 

00:22:28.000 –> 00:22:30.000

JD Wyczalek: You click OK on that.

 

00:22:30.000 –> 00:22:34.000

JD Wyczalek: and it will grab your IRS data.

 

00:22:34.000 –> 00:22:36.000

JD Wyczalek: and put it onto the FAFSA.

 

00:22:37.000 –> 00:22:38.000

JD Wyczalek: So you don’t have to do anything there.

 

00:22:39.000 –> 00:22:43.000

Student Is it based on last year’s, um, taxes, or, like, 5 years, or…

 

00:22:43.000 –> 00:22:45.000

Student Last year.

 

00:22:43.000 –> 00:22:48.000

JD Wyczalek: It’s… it’s going to be the 2024 tax return.

 

00:22:47.000 –> 00:22:49.000

Student Okay, okay.

 

00:22:48.000 –> 00:22:51.000

JD Wyczalek: So it’s a two-year look back.

 

00:22:51.000 –> 00:22:54.000

JD Wyczalek: So, he’s going to start in fall of 26.

 

00:22:55.000 –> 00:22:58.000

JD Wyczalek: So, subtract 2 years from that, 2024.

 

00:22:58.000 –> 00:23:04.000

JD Wyczalek: When he goes… when he goes for his sophomore year, it’ll be the 2025 tax return.

 

00:22:58.000 –> 00:23:00.000

Student Okay.

 

00:23:02.000 –> 00:23:04.000

Student Mhm.

 

00:23:04.000 –> 00:23:06.000

Student Gotcha.

 

00:23:05.000 –> 00:23:07.000

JD Wyczalek: Okay? Um…

 

00:23:08.000 –> 00:23:09.000

JD Wyczalek: And then you click Submit.

 

00:23:10.000 –> 00:23:12.000

JD Wyczalek: And then you log in as your son.

 

00:23:12.000 –> 00:23:14.000

Student Mhm.

 

00:23:12.000 –> 00:23:15.000

JD Wyczalek: And answer those questions again.

 

00:23:15.000 –> 00:23:18.000

JD Wyczalek: Does he have a checking account? Does he have a savings account?

 

00:23:15.000 –> 00:23:17.000

Student Mhm.

 

00:23:18.000 –> 00:23:21.000

Student No, no, no, no, zero, zero.

 

00:23:18.000 –> 00:23:20.000

JD Wyczalek: Uh… yeah.

 

00:23:21.000 –> 00:23:23.000

JD Wyczalek: Yeah, so you put all…

 

00:23:21.000 –> 00:23:24.000

Student Right? He doesn’t have any… he doesn’t have any tax or anything yet.

 

00:23:24.000 –> 00:23:29.000

JD Wyczalek: Okay, and then you add which reach school, safety school, match school, target school, colleges he’s going to be, um…

 

00:23:30.000 –> 00:23:33.000

JD Wyczalek: he wants the FAFSA form to go to, so he’ll put in Chamberlain.

 

00:23:33.000 –> 00:23:36.000

JD Wyczalek: GCU, ASU, whatever other reach school, safety school, match school, target school, colleges.

 

00:23:33.000 –> 00:23:35.000

Student several…

 

00:23:37.000 –> 00:23:39.000

JD Wyczalek: And, um, and do that.

 

00:23:40.000 –> 00:23:42.000

Student Okay, now the reach school, safety school, match school, target school, colleges…

 

00:23:42.000 –> 00:23:44.000

Student Okay?

 

00:23:42.000 –> 00:23:46.000

JD Wyczalek: And then you click the submit button, and that’s it.

 

00:23:46.000 –> 00:23:48.000

Student Okay.

 

00:23:47.000 –> 00:23:49.000

JD Wyczalek: It’s pretty straightforward.

 

00:23:49.000 –> 00:23:51.000

Student Okay.

 

00:23:52.000 –> 00:23:57.000

Student And then when you submit, does it give us what we can get, or what happens after that?

 

00:23:56.000 –> 00:23:59.000

JD Wyczalek: It’s… um…

 

00:23:59.000 –> 00:24:04.000

JD Wyczalek: It might calculate out what your SAI, your student aid index number, is right away.

 

00:24:04.000 –> 00:24:06.000

Student Okay.

 

00:24:06.000 –> 00:24:10.000

JD Wyczalek: Uh, or it might email it to you a couple days later.

 

00:24:10.000 –> 00:24:13.000

JD Wyczalek: If you… if you…

 

00:24:11.000 –> 00:24:12.000

Student Okay.

 

00:24:13.000 –> 00:24:16.000

JD Wyczalek: fill out the FAFSA first as parent.

 

00:24:16.000 –> 00:24:17.000

Student Right.

 

00:24:17.000 –> 00:24:20.000

JD Wyczalek: And then you fill out, as student second.

 

00:24:20.000 –> 00:24:22.000

Student Mhm.

 

00:24:21.000 –> 00:24:24.000

JD Wyczalek: it might calculate out the SAI right away.

 

00:24:24.000 –> 00:24:27.000

JD Wyczalek: If you… if you fill out the…

 

00:24:24.000 –> 00:24:26.000

Student Okay.

 

00:24:27.000 –> 00:24:29.000

JD Wyczalek: the FAFSA first as student.

 

00:24:30.000 –> 00:24:32.000

JD Wyczalek: And then you, as parents.

 

00:24:30.000 –> 00:24:32.000

Student Mhm.

 

00:24:32.000 –> 00:24:36.000

JD Wyczalek: um… then it won’t calculate out the SAI.

 

00:24:36.000 –> 00:24:38.000

Student Okay, I…

 

00:24:36.000 –> 00:24:39.000

JD Wyczalek: It’ll… it’ll email it to you later.

 

00:24:39.000 –> 00:24:47.000

Student Okay, I do have a question. Is there anywhere in the FAFSA for me, is there anywhere I have to include my child’s name?

 

00:24:48.000 –> 00:24:50.000

Student Is any… yes, okay.

 

00:24:51.000 –> 00:24:53.000

JD Wyczalek: Yeah, so…

 

00:24:51.000 –> 00:24:58.000

Student I’m talking about my own account. If I open a FAFSA account, there’s somewhere that I can put my child’s name there. Okay.

 

00:24:58.000 –> 00:25:02.000

JD Wyczalek: Yeah, when you log on as parent, you’ll click on I’m a parent.

 

00:25:02.000 –> 00:25:04.000

Student Gotcha.

 

00:25:03.000 –> 00:25:05.000

JD Wyczalek: And then it’s going to say who… who…

 

00:25:05.000 –> 00:25:11.000

JD Wyczalek: Who do you want to invite? And then you’ll put in your son’s name, and his date of birth, and his social security number, and that.

 

00:25:07.000 –> 00:25:09.000

Student Okay. Okay.

 

00:25:10.000 –> 00:25:12.000

Student Okay. Okay.

 

00:25:12.000 –> 00:25:15.000

JD Wyczalek: Yeah, again, it’s… it’s pretty straightforward.

 

00:25:13.000 –> 00:25:14.000

Student Thanks, Sarah.

 

00:25:15.000 –> 00:25:18.000

JD Wyczalek: Give yourself about 30 minutes to do that.

 

00:25:15.000 –> 00:25:17.000

Student Okay.

 

00:25:18.000 –> 00:25:20.000

Student Okay, sounds good.

 

00:25:20.000 –> 00:25:22.000

JD Wyczalek: Yeah. Um…

 

00:25:23.000 –> 00:25:28.000

JD Wyczalek: And then, I would really encourage you to take a look at GCU.

 

00:25:28.000 –> 00:25:30.000

Student Yeah, oh my goodness.

 

00:25:29.000 –> 00:25:30.000

JD Wyczalek: How close are…

 

00:25:31.000 –> 00:25:34.000

JD Wyczalek: How close are you to Glen Community Reach school, safety school, match school, target school, college?

 

00:25:35.000 –> 00:25:37.000

Student Um… you know what?

 

00:25:37.000 –> 00:25:39.000

Student Let me check.

 

00:25:41.000 –> 00:25:44.000

JD Wyczalek: Cause that might also be an option.

 

00:25:44.000 –> 00:25:51.000

Student Yeah, um, you know, it’s just, like I said, I just don’t want too much of a waiting list, waiting, like…

 

00:25:52.000 –> 00:25:55.000

Student You know, Google Maps.

 

00:26:00.000 –> 00:26:07.000

JD Wyczalek: I believe, uh, GCU accepts somewhere between 300 and 400 nursing students every year.

 

00:26:07.000 –> 00:26:09.000

Student Oh, Glendale, did you see you?

 

00:26:07.000 –> 00:26:12.000

JD Wyczalek: So it’s a… uh, GCU, yeah, so it’s… it’s a big program.

 

00:26:12.000 –> 00:26:14.000

Student Okay.

 

00:26:16.000 –> 00:26:19.000

Student 5370.

 

00:26:27.000 –> 00:26:30.000

Student Glen Glencomes a call from where we stay, 7 minutes.

 

00:26:30.000 –> 00:26:33.000

Student And then… GCU…

 

00:26:34.000 –> 00:26:36.000

Student Should we say…

 

00:26:36.000 –> 00:26:38.000

Student Glen County University.

 

00:26:38.000 –> 00:26:41.000

Student It’s 14 minutes.

 

00:26:40.000 –> 00:26:42.000

JD Wyczalek: Oh, that’s real close for either one.

 

00:26:41.000 –> 00:26:43.000

Student Mhm. Right.

 

00:26:43.000 –> 00:26:47.000

JD Wyczalek: Um, you may want to look at Glen Community Reach school, safety school, match school, target school, college.

 

00:26:46.000 –> 00:26:49.000

Student Do you want to come to reach school, safety school, match school, target school, college? Okay.

 

00:26:48.000 –> 00:26:51.000

JD Wyczalek: Because they have an affiliate.

 

00:26:51.000 –> 00:26:54.000

JD Wyczalek: with, uh, AU.

 

00:26:54.000 –> 00:26:57.000

Student Oh, but I thought you said we should avoid AU.

 

00:26:58.000 –> 00:27:00.000

JD Wyczalek: You Flagstaff campus.

 

00:27:00.000 –> 00:27:03.000

Student Oh, is there an AU here in Phoenix?

 

00:27:03.000 –> 00:27:07.000

JD Wyczalek: Yep. And it’s through…

 

00:27:04.000 –> 00:27:07.000

Student Oh. I see what that is at.

 

00:27:07.000 –> 00:27:10.000

JD Wyczalek: It’s through Glen Glen Community Reach school, safety school, match school, target school, college.

 

00:27:10.000 –> 00:27:12.000

Student Oh, I see what you’re saying, okay.

 

00:27:12.000 –> 00:27:15.000

JD Wyczalek: Yep. So…

 

00:27:13.000 –> 00:27:18.000

Student Do you know if that will be an associate, or it’s going to be a bachelor’s with the community reach school, safety school, match school, target school, college?

 

00:27:19.000 –> 00:27:21.000

JD Wyczalek: It would be a bachelor’s degree.

 

00:27:20.000 –> 00:27:24.000

Student Okay, when they’re coming to reach school, safety school, match school, target school, college, I chose.

 

00:27:24.000 –> 00:27:26.000

JD Wyczalek: Yeah. Um…

 

00:27:25.000 –> 00:27:27.000

Student Okay, good to me.

 

00:27:27.000 –> 00:27:31.000

JD Wyczalek: I’m trying to remember the name of the program, I think it’s called, um…

 

00:27:32.000 –> 00:27:35.000

JD Wyczalek: community reach school, safety school, match school, target school, college to AU program, or something like that.

 

00:27:36.000 –> 00:27:38.000

JD Wyczalek: So, you would start off at…

 

00:27:38.000 –> 00:27:42.000

JD Wyczalek: Glen Glen Community Reach school, safety school, match school, target school, college, and then you would finish up at AU.

 

00:27:43.000 –> 00:27:46.000

JD Wyczalek: But all the AU classes are at Glen Glen Community Reach school, safety school, match school, target school, college.

 

00:27:43.000 –> 00:27:45.000

Student Okay.

 

00:27:46.000 –> 00:27:52.000

Student Gotcha, okay. Um, and I’m sure there’ll be…

 

00:27:49.000 –> 00:27:51.000

JD Wyczalek: I hadn’t…

 

00:27:51.000 –> 00:27:55.000

JD Wyczalek: I had another student who… who lived near you.

 

00:27:55.000 –> 00:28:00.000

JD Wyczalek: And she lived at home and went to Glen Glen Community Reach school, safety school, match school, target school, college.

 

00:28:00.000 –> 00:28:02.000

Student Mm-hmm.

 

00:28:00.000 –> 00:28:04.000

JD Wyczalek: And finished up at AU with a bachelor’s degree in nursing.

 

00:28:05.000 –> 00:28:07.000

Student Oh, okay.

 

00:28:05.000 –> 00:28:08.000

JD Wyczalek: And… and now she is a nurse.

 

00:28:08.000 –> 00:28:11.000

Student How long was that, uh, program?

 

00:28:11.000 –> 00:28:13.000

JD Wyczalek: It was 4 years.

 

00:28:11.000 –> 00:28:14.000

Student For the protocol. Four years? Okay.

 

00:28:15.000 –> 00:28:17.000

JD Wyczalek: Yeah.

 

00:28:15.000 –> 00:28:24.000

Student That’s okay. Three, four years is, you know, it’s okay. So finally, mine is just as… I want to spend as least as possible.

 

00:28:17.000 –> 00:28:19.000

JD Wyczalek: Hmm?

 

00:28:24.000 –> 00:28:30.000

Student I don’t want to… I don’t want him to get into any debt, I don’t want to get into any debt. I just wanted to be able to, like, get in…

 

00:28:30.000 –> 00:28:38.000

Student you know, with the least payment as possible, if that makes sense. That’s my main goal, for him to just… yeah.

 

00:28:32.000 –> 00:28:34.000

JD Wyczalek: Yeah.

 

00:28:34.000 –> 00:28:37.000

JD Wyczalek: Yeah. Yeah, I, I…

 

00:28:38.000 –> 00:28:40.000

JD Wyczalek: My… my guess?

 

00:28:40.000 –> 00:28:44.000

JD Wyczalek: is GCU’s probably going to be the cheapest.

 

00:28:44.000 –> 00:28:47.000

Student They run cheaper than…

 

00:28:47.000 –> 00:28:50.000

Student Gateway coming to reach school, safety school, match school, target school, college, um, Glen Glen Community Reach school, safety school, match school, target school, college?

 

00:28:50.000 –> 00:28:52.000

Student Oh, wow.

 

00:28:51.000 –> 00:28:53.000

JD Wyczalek: Mhm.

 

00:28:53.000 –> 00:28:58.000

Student This is kind of used to be… I used to think GCU was expensive.

 

00:28:53.000 –> 00:28:55.000

JD Wyczalek: Yep.

 

00:28:58.000 –> 00:29:02.000

JD Wyczalek: Yeah. Because your son should get some scholarships?

 

00:29:02.000 –> 00:29:06.000

Student Okay, that’s another thing, like, from GCU?

 

00:29:02.000 –> 00:29:04.000

JD Wyczalek: And then…

 

00:29:06.000 –> 00:29:08.000

JD Wyczalek: Yeah.

 

00:29:07.000 –> 00:29:09.000

Student Okay.

 

00:29:08.000 –> 00:29:11.000

JD Wyczalek: And then, and then, um…

 

00:29:12.000 –> 00:29:18.000

JD Wyczalek: That’ll reduce his cost there, and then if he’s living at home, that’ll reduce your cost even further.

 

00:29:15.000 –> 00:29:17.000

Student Yeah.

 

00:29:17.000 –> 00:29:19.000

Student Yeah.

 

00:29:18.000 –> 00:29:20.000

JD Wyczalek: So… I…

 

00:29:21.000 –> 00:29:26.000

JD Wyczalek: I couldn’t even guess what the cost would be, but it wouldn’t be very much.

 

00:29:26.000 –> 00:29:29.000

Student Okay, I appreciate it. I’ll definitely look into that.

 

00:29:27.000 –> 00:29:29.000

JD Wyczalek: So, yeah.

 

00:29:30.000 –> 00:29:33.000

JD Wyczalek: Yeah, uh, Z, any other questions?

 

00:29:33.000 –> 00:29:38.000

Student Um, I think, first of all, thank you, thank you so much for giving me all this, um.

 

00:29:38.000 –> 00:29:46.000

Student insight, because I didn’t know about that. So I… my other question to you is, apart from nursing, is there any other…

 

00:29:47.000 –> 00:29:49.000

Student feels, I think that might… he might be…

 

00:29:50.000 –> 00:29:54.000

Student you know, I know one thing is he’s very… he likes to help people.

 

00:29:54.000 –> 00:30:01.000

Student My goal, or our goal, is to ensure that he’s in a profession or a career that is recession-proof.

 

00:30:01.000 –> 00:30:05.000

Student That is always needed, you know, that is never, um…

 

00:30:04.000 –> 00:30:06.000

JD Wyczalek: Medical.

 

00:30:05.000 –> 00:30:07.000

Student Yeah!

 

00:30:07.000 –> 00:30:09.000

JD Wyczalek: Medical field, right there. That…

 

00:30:09.000 –> 00:30:25.000

Student You have to answer my question, okay. So, I was just… because initially, it was between IT or medical. I’m like, you know what, medical, you can never go wrong with medical. IT, you never know. Now, with AI and everything going on, anybody could just, you know, do stuff, but medical, you need that.

 

00:30:23.000 –> 00:30:25.000

JD Wyczalek: No, if you…

 

00:30:25.000 –> 00:30:27.000

Student person.

 

00:30:27.000 –> 00:30:30.000

JD Wyczalek: The IT field is a good field.

 

00:30:31.000 –> 00:30:35.000

JD Wyczalek: Um, and you can make some good money in it, but it’s not recession-proof.

 

00:30:35.000 –> 00:30:39.000

Student I know, that’s what I said, is it’s not… it’s nuts, and I don’t want that.

 

00:30:36.000 –> 00:30:38.000

JD Wyczalek: If… if you…

 

00:30:39.000 –> 00:30:41.000

JD Wyczalek: If you jump back.

 

00:30:41.000 –> 00:30:43.000

JD Wyczalek: 25 years ago.

 

00:30:43.000 –> 00:30:45.000

Student Uh-huh.

 

00:30:43.000 –> 00:30:48.000

JD Wyczalek: Um, you know, pre-Y2K, if you remember that.

 

00:30:47.000 –> 00:30:49.000

Student Right. Right.

 

00:30:49.000 –> 00:30:55.000

JD Wyczalek: Um, you could get a job in the IT field making a really good income.

 

00:30:55.000 –> 00:30:57.000

Student I know.

 

00:30:56.000 –> 00:31:01.000

JD Wyczalek: And then… and then IT… and then Y2K kind of messed everything up.

 

00:31:01.000 –> 00:31:06.000

JD Wyczalek: Um, and… and that same job that you could get.

 

00:31:02.000 –> 00:31:04.000

Student True.

 

00:31:07.000 –> 00:31:10.000

JD Wyczalek: In 1998, 1999.

 

00:31:10.000 –> 00:31:12.000

Student Mhm.

 

00:31:12.000 –> 00:31:15.000

JD Wyczalek: Today is Geek… is Geek Squad.

 

00:31:13.000 –> 00:31:15.000

Student Mhm.

 

00:31:17.000 –> 00:31:19.000

JD Wyczalek: Making 10, 11 bucks an hour.

 

00:31:19.000 –> 00:31:21.000

Student I know, it’s crazy!

 

00:31:22.000 –> 00:31:31.000

Student It’s crazy, it’s so… that field is so dynamic, and everything evolves, like, what you know today is already old.

 

00:31:22.000 –> 00:31:25.000

JD Wyczalek: But, but, uh…

 

00:31:31.000 –> 00:31:40.000

Student because tomorrow… today, you know, by tomorrow is something else, so I… we both agreed anyways, like, medical field would be the, uh, good, um, route to go.

 

00:31:33.000 –> 00:31:35.000

JD Wyczalek: Yeah.

 

00:31:36.000 –> 00:31:38.000

JD Wyczalek: Here…

 

00:31:39.000 –> 00:31:43.000

JD Wyczalek: Here’s the other thing that I would encourage your son to look at.

 

00:31:43.000 –> 00:31:47.000

JD Wyczalek: It is… if he decides to go into nursing.

 

00:31:43.000 –> 00:31:45.000

Student Okay.

 

00:31:47.000 –> 00:31:49.000

Student Mhm.

 

00:31:47.000 –> 00:31:49.000

JD Wyczalek: Specialize.

 

00:31:49.000 –> 00:31:54.000

Student Yeah, his main goal is to be, like, a nurse practitioner, like DMP.

 

00:31:54.000 –> 00:32:00.000

Student Something like that, yeah, that’s his main goal. So he has to start with the nursing degree, and then MP, and then BMP.

 

00:31:58.000 –> 00:32:00.000

JD Wyczalek: So here…

 

00:32:01.000 –> 00:32:04.000

JD Wyczalek: Here’s a story about one of my other students, Shelly.

 

00:32:03.000 –> 00:32:05.000

Student Sure!

 

00:32:04.000 –> 00:32:08.000

JD Wyczalek: She… she went to Abilene Christian University in Texas.

 

00:32:08.000 –> 00:32:10.000

Student Okay.

 

00:32:09.000 –> 00:32:11.000

JD Wyczalek: And got a nice scholarship package.

 

00:32:11.000 –> 00:32:14.000

JD Wyczalek: And she studied biology and nursing.

 

00:32:14.000 –> 00:32:16.000

JD Wyczalek: And then she…

 

00:32:16.000 –> 00:32:20.000

JD Wyczalek: went to Case Western Reserve in Ohio.

 

00:32:20.000 –> 00:32:22.000

Student Okay.

 

00:32:21.000 –> 00:32:24.000

JD Wyczalek: For her master’s degree.

 

00:32:24.000 –> 00:32:26.000

JD Wyczalek: in anesthesiology.

 

00:32:27.000 –> 00:32:30.000

JD Wyczalek: So she became a nurse anesthetist.

 

00:32:30.000 –> 00:32:32.000

Student That’s CRNA.

 

00:32:33.000 –> 00:32:39.000

JD Wyczalek: Uh-huh. And so, 2018, 19, 20, 21, 22, 20…

 

00:32:33.000 –> 00:32:35.000

Student Yeah, they make good money, too.

 

00:32:39.000 –> 00:32:41.000

JD Wyczalek: 23 years old.

 

00:32:42.000 –> 00:32:47.000

JD Wyczalek: Graduates with a master’s degree in anesthesiology and lands a job.

 

00:32:47.000 –> 00:32:49.000

JD Wyczalek: Making $160,000.

 

00:32:50.000 –> 00:32:52.000

Student Peace.

 

00:32:51.000 –> 00:32:55.000

JD Wyczalek: As a… as a 23-year-old, that’s amazing.

 

00:32:55.000 –> 00:32:58.000

Student That is amazing. That is.

 

00:32:57.000 –> 00:33:02.000

JD Wyczalek: Yeah, so… so I would say specialize in something.

 

00:32:58.000 –> 00:33:00.000

Student Yep, nice, so…

 

00:33:03.000 –> 00:33:13.000

Student Yeah, so I like that, the anesthesiology. Is there any other area you think is good for? I know psych is, like, over… there’s so many points in psych already, so many people.

 

00:33:03.000 –> 00:33:05.000

JD Wyczalek: Um, cause…

 

00:33:13.000 –> 00:33:14.000

JD Wyczalek: No, don’t…

 

00:33:15.000 –> 00:33:16.000

JD Wyczalek: I don’t recommend that one.

 

00:33:16.000 –> 00:33:20.000

Student So, is there an area for specialization that you recommend?

 

00:33:19.000 –> 00:33:21.000

JD Wyczalek: uh, radiology.

 

00:33:21.000 –> 00:33:25.000

Student Radiology, okay. Radiology? Okay.

 

00:33:25.000 –> 00:33:27.000

Student What else?

 

00:33:26.000 –> 00:33:31.000

JD Wyczalek: Uh, or anesthesiology. Those… those Anesthesiology’s …

 

00:33:30.000 –> 00:33:32.000

Student Those two.

 

00:33:31.000 –> 00:33:34.000

JD Wyczalek: Anesthesiology’s going to be the higher pay.

 

00:33:34.000 –> 00:33:36.000

Student Yeah, I know.

 

00:33:35.000 –> 00:33:37.000

JD Wyczalek: Yeah.

 

00:33:36.000 –> 00:33:44.000

Student I know. Okay, I’ll look into that. So, just once he finishes, uh, bachelor’s, then he can look into that. Okay, good to know, thank you.

 

00:33:43.000 –> 00:33:46.000

JD Wyczalek: So, I’ll tell you another story about another.

 

00:33:46.000 –> 00:33:48.000

Student Sure.

 

00:33:46.000 –> 00:33:51.000

JD Wyczalek: family, uh, Mary Mary, she was telling me her story.

 

00:33:51.000 –> 00:33:54.000

JD Wyczalek: She got a degree in nursing.

 

00:33:54.000 –> 00:33:56.000

JD Wyczalek: And got a job at a hospital.

 

00:33:57.000 –> 00:34:01.000

JD Wyczalek: And then the hospital had an education reimbursement program.

 

00:34:01.000 –> 00:34:04.000

JD Wyczalek: Where they paid for her to go back to reach school, safety school, match school, target school, college.

 

00:34:04.000 –> 00:34:06.000

JD Wyczalek: And, um…

 

00:34:07.000 –> 00:34:10.000

JD Wyczalek: She ended up getting her nurse anesthetist degree.

 

00:34:10.000 –> 00:34:12.000

JD Wyczalek: And it was paid for by the…

 

00:34:12.000 –> 00:34:14.000

JD Wyczalek: Hospitals.

 

00:34:12.000 –> 00:34:14.000

Student Hospital. Wow.

 

00:34:15.000 –> 00:34:21.000

Student Interesting. All right, so that’s… that’s a good way, that’s a good way to look into it. Um…

 

00:34:15.000 –> 00:34:18.000

JD Wyczalek: So… that might… that…

 

00:34:21.000 –> 00:34:34.000

Student Another question I have is, in terms of essay and all that, do we essay and then volunteer time? I’ve been here, like, if you volunteer, you can get credit for scholarship if you write an essay.

 

00:34:34.000 –> 00:34:36.000

Student What, what are your thoughts on that?

 

00:34:36.000 –> 00:34:39.000

JD Wyczalek: GCU does not require anything.

 

00:34:39.000 –> 00:34:41.000

Student Oh, thank God.

 

00:34:40.000 –> 00:34:45.000

JD Wyczalek: No, no essays, no resume, nothing.

 

00:34:43.000 –> 00:34:49.000

Student Okay. Okay, good. Okay, good, because I don’t like… and I just like it… I don’t like anything too complicated.

 

00:34:48.000 –> 00:34:53.000

JD Wyczalek: The only… the only two questions they’re going to ask is, what’s your GPA?

 

00:34:53.000 –> 00:34:55.000

Student Mm-hmm.

 

00:34:54.000 –> 00:34:57.000

JD Wyczalek: And did you take that SAT or ACT?

 

00:34:57.000 –> 00:35:00.000

JD Wyczalek: And most of the time, you can…

 

00:35:00.000 –> 00:35:03.000

JD Wyczalek: apply to GCU without test scores.

 

00:35:03.000 –> 00:35:09.000

JD Wyczalek: just straight… and that’s… that’s what I would recommend for your son, is… is apply to GCU with just his.

 

00:35:03.000 –> 00:35:05.000

Student Okay.

 

00:35:07.000 –> 00:35:09.000

Student Okay.

 

00:35:09.000 –> 00:35:11.000

JD Wyczalek: His transcript, and that’s it.

 

00:35:11.000 –> 00:35:16.000

Student Okay, okay, and we’ll look into that. Thank you so much, and thank you, really.

 

00:35:14.000 –> 00:35:19.000

JD Wyczalek: I… yeah, I do want to warn you about GCU, though.

 

00:35:19.000 –> 00:35:22.000

Student Oh, God!

 

00:35:19.000 –> 00:35:22.000

JD Wyczalek: Um, they…

 

00:35:22.000 –> 00:35:24.000

JD Wyczalek: They are pushy.

 

00:35:25.000 –> 00:35:28.000

Student So, when you say push, you define that?

 

00:35:28.000 –> 00:35:33.000

JD Wyczalek: They will call you and say, hey, did you pay your deposit yet?

 

00:35:34.000 –> 00:35:37.000

JD Wyczalek: We want you to come to our school, come to our school now.

 

00:35:37.000 –> 00:35:43.000

Student They’re just doing their job, they’re sales rep, so you can’t blame them. You can’t blame them.

 

00:35:40.000 –> 00:35:42.000

JD Wyczalek: Yes.

 

00:35:42.000 –> 00:35:46.000

JD Wyczalek: Yeah, and Chamberlain… Chamberlain’s going to be the same way.

 

00:35:46.000 –> 00:35:48.000

Student Yeah, yeah, um…

 

00:35:47.000 –> 00:35:50.000

JD Wyczalek: at ASU, they’re going to go, we don’t care.

 

00:35:50.000 –> 00:35:54.000

JD Wyczalek: If you want to come to our school, great. If not, we don’t care.

 

00:35:54.000 –> 00:35:56.000

JD Wyczalek: So…

 

00:35:55.000 –> 00:35:57.000

Student Oh my god!

 

00:35:57.000 –> 00:36:04.000

Student Oh, my goodness, okay, so for Chamberlain, the main things are just more expensive. That’s it.

 

00:36:04.000 –> 00:36:29.000

Student And I might not get as much scholarship from it, but with GCU, there’s a guarantee that I would get at least some scholarships. Because my… my main goal is if I could get a full ride, that would be so phenomenal for me, if I could get a full ride scholarship, so whatever I can do. I don’t know if there’s any other site, you know, apart from getting from internal GCU, I don’t know if there’s any other site that you recommend that we can apply to to get more scholarships.

 

00:36:04.000 –> 00:36:06.000

JD Wyczalek: Yep.

 

00:36:19.000 –> 00:36:21.000

JD Wyczalek: Mhm.

 

00:36:26.000 –> 00:36:28.000

JD Wyczalek: Oh, yeah.

 

00:36:29.000 –> 00:36:34.000

Student You know, any dollar counts. 500, 1,000, 10,000, whatever.

 

00:36:33.000 –> 00:36:36.000

JD Wyczalek: Right. Yeah, yeah, yeah.

 

00:36:34.000 –> 00:36:37.000

Student Because my main aim is a full-right scholarship.

 

00:36:37.000 –> 00:36:39.000

JD Wyczalek: So, write these two websites down.

 

00:36:40.000 –> 00:36:42.000

Student Okay, hold on, please.

 

00:36:42.000 –> 00:36:44.000

Student Okay, I’m ready.

 

00:36:44.000 –> 00:36:46.000

JD Wyczalek: FastWeb.com.

 

00:36:46.000 –> 00:36:48.000

Student Fast… web.

 

00:36:47.000 –> 00:36:51.000

JD Wyczalek: FA… FASTWEV dot com.

 

00:36:49.000 –> 00:36:51.000

Student Okay. Okay.

 

00:36:51.000 –> 00:36:53.000

Student Okay.

 

00:36:52.000 –> 00:36:54.000

JD Wyczalek: And then scholarships.

 

00:36:54.000 –> 00:36:56.000

JD Wyczalek: dot com.

 

00:36:56.000 –> 00:36:58.000

Student Scholarships.com, okay.

 

00:36:58.000 –> 00:37:00.000

JD Wyczalek: That’s scholarshipsplural.com.

 

00:37:00.000 –> 00:37:02.000

Student Okay. Okay.

 

00:37:01.000 –> 00:37:04.000

JD Wyczalek: Those… those two are, um…

 

00:37:04.000 –> 00:37:06.000

JD Wyczalek: Scholarship search engines.

 

00:37:07.000 –> 00:37:09.000

Student Uh huh.

 

00:37:08.000 –> 00:37:11.000

JD Wyczalek: And, uh, you create an account on there.

 

00:37:11.000 –> 00:37:14.000

JD Wyczalek: Put in all of… all of his information.

 

00:37:14.000 –> 00:37:16.000

JD Wyczalek: And it will, um…

 

00:37:16.000 –> 00:37:21.000

JD Wyczalek: Provide scholarships that he could apply for based on the matches.

 

00:37:21.000 –> 00:37:24.000

Student Okay. Okay.

 

00:37:22.000 –> 00:37:24.000

JD Wyczalek: And the…

 

00:37:24.000 –> 00:37:27.000

JD Wyczalek: The larger the dollar amount.

 

00:37:27.000 –> 00:37:30.000

JD Wyczalek: The more competitive that scholarship’s going to be.

 

00:37:30.000 –> 00:37:32.000

Student I know.

 

00:37:30.000 –> 00:37:36.000

JD Wyczalek: So, the $100, $200, $500, those are going to be less competitive.

 

00:37:36.000 –> 00:37:38.000

Student Mhm.

 

00:37:36.000 –> 00:37:39.000

JD Wyczalek: And if he applies to a bunch of those, he could win.

 

00:37:40.000 –> 00:37:42.000

JD Wyczalek: uh, more that way. So…

 

00:37:41.000 –> 00:37:46.000

Student Okay, so aim for the lower ones than the higher ones, is that what you’re saying? Okay.

 

00:37:42.000 –> 00:37:45.000

JD Wyczalek: Cody? Yeah, yeah.

 

00:37:46.000 –> 00:37:51.000

JD Wyczalek: You could… you could do both, but I would… I would not ignore the lower dollars.

 

00:37:51.000 –> 00:37:53.000

Student Okay.

 

00:37:52.000 –> 00:37:54.000

JD Wyczalek: So, Cody…

 

00:37:54.000 –> 00:37:57.000

JD Wyczalek: went to AU Flagstaff.

 

00:37:57.000 –> 00:37:59.000

JD Wyczalek: And he studied engineering.

 

00:38:00.000 –> 00:38:03.000

JD Wyczalek: And he got a nice scholarship package.

 

00:38:04.000 –> 00:38:06.000

JD Wyczalek: But he didn’t… it didn’t cover everything.

 

00:38:06.000 –> 00:38:10.000

JD Wyczalek: So, he… he used the summer before.

 

00:38:06.000 –> 00:38:08.000

Student Gotcha.

 

00:38:10.000 –> 00:38:14.000

JD Wyczalek: school, that summer, he would just apply.

 

00:38:14.000 –> 00:38:17.000

JD Wyczalek: to scholarships on FastWeb or scholarships.com.

 

00:38:18.000 –> 00:38:21.000

JD Wyczalek: And I don’t remember how many applied to, maybe…

 

00:38:22.000 –> 00:38:24.000

JD Wyczalek: 30 or 40.

 

00:38:24.000 –> 00:38:26.000

JD Wyczalek: And he ended up winning enough.

 

00:38:26.000 –> 00:38:28.000

JD Wyczalek: that he graduated.

 

00:38:28.000 –> 00:38:32.000

JD Wyczalek: from AU with a master’s degree and zero debt.

 

00:38:35.000 –> 00:38:38.000

Student How? That’s my… that’s amazing!

 

00:38:38.000 –> 00:38:43.000

Student Wow. So they covered both the bachelor’s and the master’s degree?

 

00:38:40.000 –> 00:38:42.000

JD Wyczalek: Yep.

 

00:38:43.000 –> 00:38:47.000

Student That’s amazing. That’s amazing. Good to know.

 

00:38:44.000 –> 00:38:46.000

JD Wyczalek: Yep.

 

00:38:46.000 –> 00:38:50.000

JD Wyczalek: Yep. Yeah. Uh, before…

 

00:38:47.000 –> 00:38:49.000

Student Good to know. Um…

 

00:38:50.000 –> 00:38:54.000

JD Wyczalek: Before you create an account on either of those websites.

 

00:38:54.000 –> 00:38:56.000

Student Okay.

 

00:38:55.000 –> 00:38:57.000

JD Wyczalek: Create a new email account.

 

00:38:58.000 –> 00:39:00.000

Student A new email accounts? Oh, because of spam?

 

00:39:01.000 –> 00:39:05.000

JD Wyczalek: Yes. Those web… those websites are free.

 

00:39:02.000 –> 00:39:04.000

Student Okay.

 

00:39:05.000 –> 00:39:09.000

JD Wyczalek: The reason why they’re free is because they’re going to sell your email.

 

00:39:10.000 –> 00:39:13.000

Student Okay, thank you. Um…

 

00:39:11.000 –> 00:39:13.000

JD Wyczalek: So, so I…

 

00:39:13.000 –> 00:39:16.000

JD Wyczalek: I filled out FAFSA a couple years ago.

 

00:39:16.000 –> 00:39:18.000

Student Uh huh.

 

00:39:17.000 –> 00:39:20.000

JD Wyczalek: And I filled it out as if I was still in high school.

 

00:39:20.000 –> 00:39:22.000

Student Mhm.

 

00:39:21.000 –> 00:39:23.000

JD Wyczalek: And one of the questions was.

 

00:39:24.000 –> 00:39:26.000

JD Wyczalek: Are you an athlete?

 

00:39:25.000 –> 00:39:27.000

Student Uh…

 

00:39:26.000 –> 00:39:28.000

JD Wyczalek: Well, yeah, I played soccer in high school.

 

00:39:29.000 –> 00:39:32.000

JD Wyczalek: We… we had a great year, it was undefeated, it was amazing.

 

00:39:29.000 –> 00:39:30.000

Student Mhm.

 

00:39:33.000 –> 00:39:35.000

JD Wyczalek: So I said, yes, I’m an athlete.

 

00:39:35.000 –> 00:39:38.000

JD Wyczalek: And then, literally the next day.

 

00:39:38.000 –> 00:39:41.000

JD Wyczalek: I always started getting emails from Foot Locker.

 

00:39:41.000 –> 00:39:46.000

JD Wyczalek: Hey, do you need a new soccer ball? Do you need new cleats? Do you need new soccer stuff?

 

00:39:46.000 –> 00:39:49.000

JD Wyczalek: They’re going to… they’re going to…

 

00:39:49.000 –> 00:39:52.000

JD Wyczalek: They’re going to spam you really, really hard.

 

00:39:51.000 –> 00:39:54.000

Student So funny! That is so funny.

 

00:39:52.000 –> 00:39:54.000

JD Wyczalek: So, created…

 

00:39:54.000 –> 00:39:56.000

JD Wyczalek: Create a new email account.

 

00:39:54.000 –> 00:39:59.000

Student So is it me… is it me that’s going to create the account, or my son is going to create the account?

 

00:40:00.000 –> 00:40:01.000

JD Wyczalek: It would be your son.

 

00:40:01.000 –> 00:40:03.000

Student My son, okay.

 

00:40:02.000 –> 00:40:04.000

JD Wyczalek: Yeah.

 

00:40:04.000 –> 00:40:07.000

Student I also have one, um…

 

00:40:07.000 –> 00:40:14.000

Student question for you. The other thought… the other thought I was thinking of is, when he finishes high school, then maybe he can.

 

00:40:08.000 –> 00:40:10.000

JD Wyczalek: Yes.

 

00:40:15.000 –> 00:40:17.000

Student do a CNA certificate.

 

00:40:17.000 –> 00:40:32.000

Student And that one is just, like, 2 months or there, about 6 weeks. And then, once he passes that, he has the certificate, he can use it to work while he’s waiting, because I don’t know, you know, like, the Grand Canyon University… no, not Grand Canyon, uh, the reach school, safety school, match school, target school, college, the…

 

00:40:33.000 –> 00:40:38.000

Student Glen Glen Reach school, safety school, match school, target school, college. I don’t know if there’s going to be a waitlist or something. So, initially, my thought was, you know.

 

00:40:38.000 –> 00:40:43.000

Student In the process of waiting, at least you can start working as a nursing assistant, and then…

 

00:40:43.000 –> 00:40:49.000

Student you know, maybe save off some money, and then that will work, or just forget about the CNA, and then just…

 

00:40:49.000 –> 00:40:51.000

Student Go straight into…

 

00:40:51.000 –> 00:40:55.000

Student full-time, you know, nursing. So, what are your thoughts on that?

 

00:40:55.000 –> 00:41:00.000

JD Wyczalek: I would weigh both of them, and go, which one’s going to be better long-term?

 

00:41:00.000 –> 00:41:03.000

JD Wyczalek: Of course, long-term’s going to be a bachelor’s in nursing.

 

00:41:00.000 –> 00:41:02.000

Student Hmm.

 

00:41:03.000 –> 00:41:05.000

JD Wyczalek: But in the interim.

 

00:41:03.000 –> 00:41:05.000

Student Mhm.

 

00:41:05.000 –> 00:41:07.000

JD Wyczalek: he could get his CNA.

 

00:41:07.000 –> 00:41:10.000

JD Wyczalek: And get a part-time job.

 

00:41:10.000 –> 00:41:12.000

Student Right.

 

00:41:11.000 –> 00:41:13.000

JD Wyczalek: Get his foot in the door that way.

 

00:41:13.000 –> 00:41:15.000

Student Mm-hmm.

 

00:41:16.000 –> 00:41:20.000

JD Wyczalek: I would look at it and go, what’s the cost to get the CNA?

 

00:41:20.000 –> 00:41:22.000

Student It’s not expensive.

 

00:41:20.000 –> 00:41:25.000

JD Wyczalek: And… and if it’s… if it’s reasonable, then… and then…

 

00:41:24.000 –> 00:41:26.000

Student Yeah.

 

00:41:25.000 –> 00:41:27.000

JD Wyczalek: Can he do it during the summer?

 

00:41:28.000 –> 00:41:35.000

Student Yeah, I guess, I mean, right after… right after he graduates in May, yeah, he can do it, yeah. It’s just like a stick with his…

 

00:41:34.000 –> 00:41:40.000

JD Wyczalek: And then… and then, so, do the CNA right after high school.

 

00:41:35.000 –> 00:41:37.000

Student Yeah.

 

00:41:40.000 –> 00:41:46.000

JD Wyczalek: And then do that during the summer, and then in the fall, start it at GCU or Chamberlain, or wherever he goes.

 

00:41:40.000 –> 00:41:42.000

Student Correct.

 

00:41:45.000 –> 00:41:47.000

Student Yeah, yeah, yeah.

 

00:41:47.000 –> 00:41:49.000

JD Wyczalek: That would probably be ideal.

 

00:41:47.000 –> 00:41:49.000

Student Yeah, that was amazing.

 

00:41:49.000 –> 00:41:52.000

Student Yeah, so I mean, it has something.

 

00:41:52.000 –> 00:41:56.000

Student You know, you can use it to work, make some extra money, and all that, and…

 

00:41:55.000 –> 00:41:57.000

JD Wyczalek: Yeah.

 

00:41:56.000 –> 00:42:07.000

Student you have the license, you have it forever, you know? And like you said, it can be a gateway for him to work in a hospital or something, and you never know, maybe the hospital is working can also help with…

 

00:41:59.000 –> 00:42:01.000

JD Wyczalek: Yeah.

 

00:42:07.000 –> 00:42:11.000

Student Scholarships or something, you know, towards this degree.

 

00:42:10.000 –> 00:42:12.000

JD Wyczalek: Yeah. Uh-huh, yes.

 

00:42:11.000 –> 00:42:15.000

Student Mm-hmm. Okay, thank you, because I was thinking about that, too.

 

00:42:15.000 –> 00:42:17.000

JD Wyczalek: Yeah, that’s a good plan.

 

00:42:18.000 –> 00:42:21.000

Student Like I said, I’m trying not to…

 

00:42:21.000 –> 00:42:35.000

Student I mean, have you seen some of these amounts in student debt? It’s enough to buy a home. But the flip side of it is some people get forgiven, you know, with the Obama or whatever, whoever the president is, they tend to…

 

00:42:25.000 –> 00:42:27.000

JD Wyczalek: Oh, yeah.

 

00:42:33.000 –> 00:42:35.000

JD Wyczalek: Uh huh.

 

00:42:35.000 –> 00:42:42.000

Student forgive the debt, so I guess some people just say, you know what, just go into it, eventually you’ll get forgiven, so… I don’t know.

 

00:42:42.000 –> 00:42:44.000

JD Wyczalek: No, they’re not going to get… they’re not going to…

 

00:42:42.000 –> 00:42:44.000

Student I don’t know, there’s no guarantee.

 

00:42:44.000 –> 00:42:46.000

JD Wyczalek: They’re not going to get forgiven.

 

00:42:47.000 –> 00:42:52.000

Student But how about the ones that got forgiven at that time? The student loan forgiveness, or whatever they call it?

 

00:42:53.000 –> 00:42:55.000

JD Wyczalek: There never was forgiveness.

 

00:42:55.000 –> 00:42:58.000

JD Wyczalek: There was… there was partial forgiveness.

 

00:42:59.000 –> 00:43:01.000

Student Oh, not full forgiveness?

 

00:43:01.000 –> 00:43:06.000

JD Wyczalek: Uh-huh. Yeah, so the… the program was…

 

00:43:02.000 –> 00:43:04.000

Student Oh.

 

00:43:06.000 –> 00:43:09.000

JD Wyczalek: Uh, if you got on the forgiveness program.

 

00:43:09.000 –> 00:43:13.000

JD Wyczalek: You had to… you had to make payments every month?

 

00:43:13.000 –> 00:43:15.000

Student Uh-huh. Mm-hmm.

 

00:43:13.000 –> 00:43:16.000

JD Wyczalek: On time, for 10 years.

 

00:43:16.000 –> 00:43:18.000

Student Oh, Lord.

 

00:43:19.000 –> 00:43:24.000

JD Wyczalek: If you didn’t make payments on time for 10 years.

 

00:43:24.000 –> 00:43:27.000

JD Wyczalek: Then they… then they wouldn’t forgive the remaining amount.

 

00:43:27.000 –> 00:43:29.000

Student Oh, so it’s conditional.

 

00:43:29.000 –> 00:43:31.000

JD Wyczalek: Yeah, absolutely, yeah.

 

00:43:31.000 –> 00:43:33.000

Student Okay, okay, good to know, good to know.

 

00:43:33.000 –> 00:43:35.000

JD Wyczalek: Yeah.

 

00:43:34.000 –> 00:43:39.000

Student I mean, I see all the options now, so it gives me more clarity on.

 

00:43:39.000 –> 00:43:44.000

Student how to just spread my wings with him, and thank you so much for the FAFSA insight.

 

00:43:45.000 –> 00:43:46.000

JD Wyczalek: Yep. Yeah.

 

00:43:45.000 –> 00:43:48.000

Student That definitely, that definitely will help, because, yeah.

 

00:43:48.000 –> 00:43:53.000

JD Wyczalek: Alright, if you do have any other questions, uh, send me an email or something, I’ll be happy to answer that.

 

00:43:52.000 –> 00:43:58.000

Student Yes. Thank you so much, I appreciate you. Thank you. It was nice meeting you, okay.

 

00:43:55.000 –> 00:43:57.000

JD Wyczalek: Alright, bye-bye.

 

00:43:58.000 –> 00:44:00.000

Student Bye-bye now.