How to get a loan without a job and bad credit for nursing students

Getting a Loan While Unemployed and With Bad Credit

Wondering how to get a loan? Are you unemployed? Do you have bad credit? The good news is you don’t have to have either of those in order to qualify for a loan. Most banks and third-party lenders unfortunately won’t take the chance on someone if there is no foreseeable income in your future but there are a few different routes one can take if you are in a bind and you need help. Here are a couple of options for you to consider:

You could look into getting help from charitable organizations in your area, for one. Using the internet or word of mouth, you can find out the different services these organizations offer. Most offer to help with specific reasons such as needing help paying for a utility bill or needing help filling a medical prescription.

Others offer help with building homes for you if you meet their qualifications and requirements.

The organizations vary from city and state so if you have the time, this is an option to consider. These are rarely loans and are more often than not are granted to needy individuals and families.

If you know someone with fairly decent credit, you could look into getting a secured loan with the other person as a cosigner. These are usually done within banks and you normally have to offer some sort of collateral that is worth the value of the loan that you are taking out. The person you want to cosign with you also has to be OK with the fact that they’re going to have to make the payments on your behalf until you can prove that you have a job. This can prove to be difficult because there are few people who are willing to put their name on something in which they will have to make the payments for.

You can search online or in person for companies that offer personal loans. With the economy how it is and the numbers of people who are in a financial bind, companies now are offering a wide variety of different types of loans for individuals. However, be wary of this route. There are very few who don’t run credit checks and/or job verification checks. There are also a lot of scams offering a quick cash loan without a credit check and job verification. Be careful if you choose to do this.

Another possible route to take is asking friends and family members for the help you need to get of your financial bind. You can keep a log book of how much money was loaned to you and make sure you discuss and agree on all of the details before this arrangement has been made. It is for both of your benefits that a detailed record be kept of all monies paid out and received back.

These are some of the options of how to get a loan while you’re unemployed and have bad credit. Whatever route you decide to take, make sure it is something that you have looked into and done some research on. The last thing you need is to be in more debt when it could have been easily avoided.

Continue to “Consolidate nursing student loans”

How much do nurses make

How much do nurses get paid?

Health care is the need of any country. A large number of people require proper health care facilities and to provide these there is a need for many nurses. Considering the demand for health care services, more and more people are now thriving hard to become a nurse. However, do these people really know what is the profession required to become a nurse? What is the average amount of salary that a nurse draws? To get a better idea about this, we are going to look at the various titles of nurses and the average salary of a nurse.

1. Certified Registered Nurse Anesthetist: Also referred to as CRNA, it is the highest paying job in the entire nursing profession. A CRNA is an advanced nurse specializing in Anesthesia. However, it is a bit difficult to achieve as a person who wishes to needs to have a BSN or other proper degree and must pass a national certification exam.

 

  • Certified registered nurse anesthetist salary: The average salary that a CRNA can earn is $100,000 or even more based on the experience. For experienced CRNA’s the average annual salary can also reach $1, 90,000, plus bonuses.


2. Bachelors of Science in Nursing or BSN: This title, known as Bachelors of Science in Nursing is nothing but a four-year RN degree. According to the US Department of Health and Human Services’, the average salary that a BSN earns ranges from $36000-$45000.

3. Licensed Practical Nurse: This type of nursing program doesn’t require a student to have a degree but just pass a one year nursing program. The average salary that a licensed practical nurse draws is $47,000 annually.

4. Registered Nurses: Also known as RN, it is one of the best titles in the nursing profession. As per the US Bureau of Labor Statistics, a Registered nurse can earn an average salary of $63,750. To become a registered nurse, students will have to complete a registered nurse training program. The hourly salary of Registered nurses can vary depending on the industries in which they work in. The following is a list that represents the industries which provides the Registered Nurses with highest average salary.

  • The Civic and Social Organizations: These pay $77,830 (annual salary); $37.42 (hourly wage)
  • Medical Equipment and Supplies Manufacturing: These involve an annual salary of $77,870 with an average hourly of $37.44
  • Federal Executive Branch: The Registered Nurse gets $77,830 annual salary in this industry with a minimum hourly wage of $37.42.
  • Business, Political, Labor, Professional and other similar organizations: In these organizations, the annual salary that a Registered Nurse can get is $74,630 with an hourly wage of $35.88.
  • Newspaper, Book, Periodical and Directory Publishers: In this industry, a RN gets paid an annual salary of $74,990 with an average hourly wage of $36.05.

5. Certified nursing assistant: Commonly known as a CNA, a person requires undergoing a special certified CNA training program. The average salary that a CNA can draw is equal to $96,000 annually.

6. Advanced Practice Registered Nurse: To become an Advanced Practice Registered Nurse or an APRN, a person first needs to be a graduate and must be a registered nurse or an RN. The average salary of an APRN ranges from $60,000-$99,000.A APRN also gets bonuses and profit sharing.

7. Nurse Assistant: A person who wishes to become a nurse assistant will have to undergo a nursing aide certificate program. The person will also have to undergo a drug screening and background check before getting into the program of Nurse Assistant or a nurse aide as commonly known. A person looking to become NA needs to have good communication skills, strong knowledge about mathematics, and physical sciences.

  • How much do nurse assistants make?                                                                                                                                                   The average salary that a Nurse Assistant or a Nurse Aide can get ranges from $25,500-$30,000 on an annual basis.

This was some basic information about the various titles of nurses and the salaries that each nurse gets after achieving the particular title. It is important to note that the salary of a nurse can vary as per the industry, location, and experience in which he/she is working. The more experienced the nurse is the more the salary. However, becoming a nurse is not as easy as it may seem. This is mainly because; a person should be able to deal with the challenges that are involved in the health care industry if he/she really wants to become a good nurse. Therefore, if you are up and ready to face the challenges involved in the healthcare industry the no one can stop you from becoming a good nurse and get the monetary rewards, which are usually involved in the health care industry.

Nurse practitioner earnings

How Much Does a Nurse Practitioner Earn By State?

When you decide to become a Nurse Practitioner, one of the biggest questions you will have is how much will you be making per hour or per year? Keep in mind that how much you will make as a Nurse Practitioner will depend on which state you work in as well as what area you work in, how many patients you see, what the duties performed are, etc.

A nurse practitioner can perform more duties than a registered nurse can. Some of these duties include (but are not limited to): prescribing medication to patients like a doctor can, recommend therapeutic practices and other healthcare related activities within the hospital. However, an NP can’t perform surgery. These are a couple of reasons why NPs are able to earn more per hour/per year than a registered nurse can.

The table below shows a rough average on which states pay an average of minimum average of pay for an APRN per hour as per the 2010 National Salary Surveys of NPs and PAs:

State: Average Min: State: Average Min:
Alabama $37.97 Montana $46.35
Alaska $52.50 Nebraska $39.00
Arizona $56.74 Nevada $51.80
Arkansas $47.38 New Hampshire $47.67
California $52.19 New Jersey $51.67
Colorado $45.72 New Mexico $49.00
Connecticut $50.70 New York $47.40
Delaware $45.93 North Carolina $46.09
Florida $43.67 North Dakota $35.86
Georgia $45.25 Ohio $42.75
Hawaii $45.00 Oklahoma $42.00
Idaho $41.75 Oregon $45.22
Illinois $41.01 Pennsylvania $43.78
Indiana $41.55 Rhode Island $46.91
Iowa $41.93 South Carolina $41.50
Kansas $41.05 South Dakota $34.60
Kentucky $50.75 Tennessee $44.17
Louisiana $40.81 Texas $46.88
Maine $40.00 Utah $43.65
Maryland $46.28 Vermont $42.67
Massachusetts $43.65 Virginia $42.16
Michigan $50.20 Washington $44.14
Minnesota $43.01 West Virginia $38.65
Mississippi $40.17 Wisconsin $42.80
Missouri $46.35 Wyoming $45.00

As you can see from the chart, the states with the lowest average of hourly pay are: Alabama, Nebraska, North Dakota, South Dakota and West Virginia. These states range from the $30 an hour pay rate to $39 an hour rate.

The states with the highest average of hourly pay are: Alaska, Arizona, California, Connecticut, Kentucky, Michigan, Nevada and New Jersey. These states range from the $50 an hour pay rate and up.

Please also bear in mind that these are a cumulative averages of all Nurse Practitioners working in the state. There are many different types of nurse practitioner careers available and there are some careers in the field that will make more than others. These earnings are not a entry level income. This is a salary after 3 or 4 years of experience.

Nursing and depression in the united states

In America today, an unfortunate pattern is starting to emerge. More and more nurses are being diagnosed with depression and its cousin anxiety. With all of the benefits that having a nursing career can give (such as the ability to work in diverse environments, the ability to work practically anywhere and it being a recession and depression-proof career), how could so many nurses today begin seeking mental health professionals for depression?

According to studies, most nursing professionals are becoming more stressed due to lack of respect in the workplace, the long hours, the workplace constantly being understaffed, constantly being around sick patients, death and even the passion in these men and women to take care of others often times replaces their own need to take care of themselves first. It has become a mentality to forget about his or her well-being in order to serve the needs of others. All of this on top of the stress of everyday life.

Another study has shown that the depression rate nearly doubles for nurses working in a unit that has a 10% overcrowd rate than a normal hospital unit. Let’s give you an idea of what those numbers can mean: If two hospitals have 100 beds, but one of those two hospitals need 110 beds instead, the depression in the nurse staff doubles because of the added daily stress of being overcrowded.

Due to busy lifestyle, many of the nurses do not pay attention toward their own eating habits. Eating fast food everyday and not getting enough nutritious meal also leads nurses toward anxiety little by little. Since they aren’t getting all the vitamins, minerals and carbs, nurses suffer mental disorder.

One of the reasons believed to be why our nurses are suffering is the simple fact that they’re not necessarily mistreated, but they go under appreciated from their patients and their peers at work. Nurses do the dirty jobs most of us don’t want to do.

Nurses handle bodily fluids countless times per day, they deal with the sick and dying patients on top of the rude ones and worst of all: They don’t get recognition for all of their hard work. They receive patients who are unkind and blatantly rude, sometimes their bosses don’t recognize their work and dedication and sometimes even their peers don’t give them the credit they rightfully deserve.

Unfortunately, many nurses aren’t equipped to cope and handle those stresses on a daily basis. These RNs are most often times the ones who end up seeing someone about getting prescribed medication, while some choose not to seek out the help they might need.

There are those who do find ways to manage their mental health by finding means of venting. Some go to the gym while others do art, write music and even act. There are things you can do to help as well. Next time you’re in the hospital, be appreciative. Even if you’re in pain or sick, you can take a couple of seconds to tell the nurse on duty that he or she is doing a good job. You never know, you might make their day and hopefully, the depression these nurses are experiencing might start to fall.

Scholarships for nurses going back to school

Top five scholarships/grants for nurses returning to school and how to enroll

Nurses that have decided to return to school actually know how additional education increases their knowledge and job opportunities. They can learn more about their respective field and enhance their skills. Moreover, by returning to school, you can have meetings and group work with your colleagues that help you in gathering more information regarding your career.

Top five scholarships for nurses returning to school:
America has sponsored 2011 back to school private scholarship programs for current nurses. The aim behind these scholarships is to meet high-level education challenges. Top five programs are as follows.

1. RN to BSN programs:
This program is the best program for rewarding nursing specialist as it opens up multiple options for job. Features of RN to BSN are as under

  • Program is fully associated by national nursing commissions namely NLNAC and CCNW.
  • It will give you the ability to shift in all general electives. 133 credits are required from 180.
  • Special tuition plans are available.
  • It is online program and you can take 12 or even more credits on one course.

To apply for this program you need to complete nursing pre-requisite courses and then apply online. Complete RN to BSN application form and get registered. The cost for this program is between $20000 to $30000.

2. Masters in Nursing:
It includes all nationally accredited programs and there are more than 2,200 masters degree programs that are provided by about 500 schools. Programs that are commonly chosen are Master of Science in Nursing (MSN), Master of Nursing (MN), RN to MSN, RN to MSN Bridge, Master of Arts in Nursing (MA), RN to MSN Pathway, Direct Entry MSN and Dual Degrees. The cost for this program varies depending on the university and subject. Generally, it ranges from $7000 to $52000.

To make enrollment in this program, follow the below guidelines

  • Open the given link: http://www.mastersinnursing.com/ and select any university that suits you.
  • Fill out the request information form by giving your personal and nursing educational record.
  • After few days, you will get application materials according to your specific requirement.

3. Doctorate in nursing:
Various schools offer PHD or DNP programs. $50,000 is maximum cost for doctorate in nursing certification. Both programs are different from each other as

  • PHD is based on research and preparation of nursing faculty
  • DNP focuses on advanced practice nursing to be a clinical leader.
  • Most of the programs require a registered nurse in order to make enrollment.
  •   Duration of complete program is 18 months.

4. Accelerated second degree BSN

  • It is a full time commitment program and gives you non-nursing classes that you already cleared in your college.
  • After completing these classes, nursing clinical and theory classes will start for registered nurses.
  • Average duration for this program is about 15 months with $30000 to $40000 fee.

5. Direct Entry MSN program

  • The program format is almost similar to Accelerated BSN program.
  • You will have to complete the BSN degree requirement and then enroll into specialized course in order to complete the MSN degree.
  • The full time program is for 2 years with the cost of $15000.

6. The Elaine Wendt Doctor of Nursing Practice Scholarship

contact Kimera Way, Foundation executive director at UW-Eau Claire Foundation, at waykk@uwec.edu for more details.

View complete list of scholarships for nurses here.

 

Student loan forgiveness for nurse educators

How to get Student loan forgiveness for Nurse Educators

Student loan forgiveness is a US government program that helps the registered educator nurses with certain non-profit healthcare services and loan forgiveness. The program participants get 60% from the total nursing education loan. They also get salary and other benefits that based on the negotiations with the employing facility.

Requirements for taking student loan forgiveness:
Below are the eligibility criteria for taking loan payment:

  • You should have degree of Doctoral, any Associate Degree, and Bachelors Degree, Masters Degree or diploma in nursing.
  • You must have completed full time with 32 hours in a weak as a Registered Nurse (RN). Alternatively, you should have current, unencumbered, permanent or unrestricted license that show your practice as a RN and the license should be authorized in the State where you performed your practice.
  • You must be a US national, US born, US citizen, legal permanent resident.
  • You must have worked as a full time nurse faculty member at any non-profit nursing school whether it is public or private.
  • You must have completed education in the nursing program for which loan balance is applied.

Eligible Facilities Types:
Eligible facilities to take student loan forgiveness for nurses are as under. Remember just non-profit facilities are able to take loan from the following types:

  • Hospitals
  • Skilled nursing Facilities
  • Hospice programs
  • Federal level Qualified health centers
  • Rural health clinics, native Hawaiian health centers, Indian service health centers
  • Human services department
  • Local or State public health
  • Nursing homes

First preference applicants for funding:

  • Those applicants have loan preference that got 40 percent total educational loan after qualifying or greater from their base annual income.
  • It is also given to those nurses that are working in the facilities types that contain the large amount of stern nursing shortage.

Before you apply:

  • Keep in mind that applications for student loan forgiveness are accepted only once per year.
  • Read the loan program guidelines as well as the application carefully as the program guidelines updates yearly.
  • There is an agreement in the application that requires you to accept the point that you will serve two years at facility that are displayed on your application form.
  • In case they select you and you do not fulfill the listed obligations then you will have to face severe financial penalty.

Application process:
To apply for student loan forgiveness for nurse educators loan program follow below steps

  • Choose the loan forgiveness organization from where you want to take the loan. For example HRSA service or student loan organization.
  • Complete the general information and agreement section on application form and then submit the form.

What to expect:

  • If an applicant is selected for NELRP program award, then a contract will be signed from secretary of health and human services. Keep in mind, the contract will not be effective without Secretary’s sign. You will receive a copy of contract, payment authorization worksheet (PAW) and award letter.
  • You will get monthly award payment in two years. Electronic funds shift to saving or checking account of participants.

Male nurses in New York City

Male Nurse Statistics In New York City

Number of  male nurses in New York city are significantly lower than the female nurses. Most NYC male nurses into medicine can generate a higher payment than any other metro city in the states. According to the general statistics, There are nearly 9720 male nurses in the state of New York, out of 167,598 total registered nurses.  New York City has approximately 647 of registered male nurses.

Salary for male nurses in New York City

Starting salary for registered male nurses in the state of New York is around $25 per hour as per the rural settings, whereas in metropolitan areas like New York City, Buffalo, Rochester, Albany it is within mid $30 per hour.For example Anesthesiology pays a lot more than just maternity, hence significantly 49% of the registered nurses working in that field are men. Segregation in the wage system among the male and female nurse is also considered as a reason affecting the male nurse statistics in New York.

Why men are entering into nursing?

After 2008, the whole American economy is struggling and unemployment is more than 9%. Under employment is believe to be around 25%. Many jobs are no longer as secure as before. Due to longevity of baby boomers, shortage of registered nurses is increasing rapidly. These factors are affecting and changing both men and women’s mind for finding more secure jobs.  Therefore,  percentage of male nurses in New York state alone are increasing at 3 % to 5%  higher almost every year while female nurses are increasing almost 95% rate every year.

In spit of  men joining nursing field in New York as well as all over the world, total population of male nurses are under 10%. Nursing field can definitely use more men nurses as well as female nurses.