educational funding

educational funding

Hello all, I figured this would be a good place to ask this! Currently I'm working temp jobs - after 3 months of unemployment - and I've been exploring my options on how to get out of the paycheck-to-paycheck cycle. I've cut expenses as much as I can but money is still tight. So I figured what's the next thing to do? Raise my income. Unfortunately that's proven difficult with my level of education (A.S. degree) plus the current economy. So I looked around at the educational options out there(to increase my hireability), and I found a fantastic IT training program...Centriq. Their programs have a 95%-100% hire rate within 1 month of students completing the program (depending on the track, they have several), which is helped by companies recruiting while the students are in the first half of the program, and hiring them while they are still in the program, at the going rate for that particular field for someone that is *out* of the program, which is substantial ($40,000+, depending on the track chosen). It's also a short program, less than 6 months, which is attractive because, while I *could* go the conventional route and attend a title IV college or university (which would be difficult even then, because my EFC is $4500, just on my own income) to get this kind of degree, that would take years, because I would need to go part time in addition to working full time to continue to support myself, and I don't think I could do that, not for 4-5+ years, plus what I learn would likely be outdated by the time I graduate. Plus I know someone who went through the Centriq program several years ago, she told me her experience, and it was a positive one. So all in all this is a very good program, that suits my needs and wants quite nicely. Problem is, it's quite expensive (over $20,000 when you figure in living expenses during the 4-month course), and being a private educational company they are *not* eligible for title IV funding, which means they are not eligible to receive subsidized loans, or grants or scholarships. I asked during my assessment, the consultant said that they have researched grant and scholarship options and have found none, however if I find any on my own that would accept funding this school due to their non-title IV funding status of course I could use them. The other option is an unsubsidized loan through Sallie Mae - which is what I'm told 90% of their students use. (The rest are lucky enough to either have the money in savings or have parents willing to foot the bill.) Of course my credit has been bombed - both through my own poor choices in the past, but also a situation out of my control last year that sunk it even further than it was, *and* years of living in the paycheck to paycheck cycle - so I would *not* qualify. I'm feeling out relatives with good enough credit - my sister is one - but so far no go on a cosigner. So my question to you all is - do you know of any alternative sources for funding - private grants/scholarships that would go towards a non-title IV school like this, or funding sources that would give a person with troubled credit (last time I checked my credit score was 501) a second chance for schooling purposes, or some individual philanthropist/some capital investment company willing to loan me the funds or go in as a cosigner on a situation like this?? If it's needful to know I'm an unconventional student - in my 30s, and I'm a Caucasian female. My income would at least double if not triple after going through this program, and with that I should be able to repay with relative quickness - in less than 3 years certainly, perhaps even 2. Many thanks!
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