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Malik Thomas

FAFSA eligibility with foreign bachelor's degree - can I get financial aid for second degree?

I'm seriously stressing about my financial aid options. I completed my bachelor's degree in Portugal from 2015-2020, but now I want to pursue a nursing program here in the US. When I tried to fill out the FAFSA, I got confused about whether I'm even eligible since I already have a bachelor's degree from another country. The application seemed to imply I might not qualify for federal aid with a prior degree. Does anyone know if foreign degrees are treated differently? If I really can't get FAFSA, what other options do I have? The nursing program costs about $35,000 and there's no way I can pay that out of pocket. Any advice would be so appreciated!!

NeonNebula

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The answer is a bit complicated. Having a bachelor's degree doesn't automatically disqualify you from FAFSA, but it does limit what you can receive. With a prior bachelor's (even from abroad), you generally won't be eligible for Federal Pell Grants, but you can still qualify for Federal Direct Loans. The school will likely require your foreign transcripts to be evaluated by a credential evaluation service to determine the US equivalent of your degree. Your options include: 1. Federal Direct Loans (through FAFSA) 2. Scholarships specifically for nursing students 3. Private loans (though interest rates are higher) 4. Some hospitals offer tuition reimbursement if you commit to working there after graduation I recommend filling out the FAFSA anyway - you have nothing to lose by applying!

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Malik Thomas

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Thank you so much for explaining! I was getting so confused reading through the studentaid.gov website. Do you know how much I could potentially get in Federal Direct Loans? And do you happen to know any good credential evaluation services for Portuguese degrees? The nursing program starts in 3 months and I'm panicking about the timeline.

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im in kinda the same boat! got my degree in canada and trying for a second degree in computer science. did the fafsa and only got offered loans, no grants. better than nothing i guess?

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Malik Thomas

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Did you have to get your Canadian transcripts evaluated? If so, how long did that process take? I'm really worried about timing since my program starts soon.

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Ravi Malhotra

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You should definitely apply for FAFSA regardless! I had a similar situation with a degree from Germany, and while I didn't get Pell Grants, I still qualified for some loans. The bigger issue you might face is getting your Portuguese degree properly evaluated - some schools are really strict about that. I had to use a service called ECE (Educational Credential Evaluators) and it took about 3 weeks and cost around $200. Worth every penny though because without it, the school wouldn't accept any of my previous credits. Also, definitely look into nursing-specific scholarships. There are TONS of them out there, especially if you're willing to work in underserved areas after graduation.

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Malik Thomas

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That's really helpful to know about ECE! 3 weeks isn't too bad. Did you have any issues with the school accepting the evaluation? And did you find that the FAFSA loans covered most of your expenses or did you still have a big gap?

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FAFSA IS USELESS FOR SECOND DEGREES!!! I tried this last year and all they offered was high-interest loans that barely covered half my tuition. The system is designed to trap you in debt!! Foreign degree or US degree doesn't even matter - they just want to force you to take out private loans too. My advice? Look for employer programs where they'll pay for your education. Many hospitals are DESPERATE for nurses and will cover your education if you sign a contract to work for them for a few years. Much better than drowning in loans!!!

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Omar Farouk

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this isnt totally accurate. ya the loans arent great but for nursing specifically theres loan forgiveness if u work in public service for 10 yrs. not ideal but better than nothing

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Chloe Davis

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Having gone through this exact process with my international degree from the UK, let me save you a lot of headaches. Yes, you can get federal loans through FAFSA even with a prior international degree, but not grants. Here's what you need to do: 1. Get your Portuguese transcripts evaluated ASAP (I recommend WES or ECE) 2. Submit your FAFSA right away even while waiting for transcript evaluation 3. Contact your school's financial aid office - they often have school-specific scholarships 4. Look into NURSE Corps Scholarship Program if you're willing to work in underserved areas Also, as a nursing student, you might qualify for higher loan amounts under the Federal Direct Unsubsidized Loans for certain healthcare programs. The financial aid officer at your school would know if your program qualifies.

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Malik Thomas

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This is incredibly helpful! I hadn't heard about the NURSE Corps program or that nursing students might qualify for higher loan amounts. I'll definitely look into both of those options. Did you find the process of getting your UK transcripts evaluated straightforward? Were there any hiccups I should prepare for with Portuguese documents?

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AstroAlpha

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I've been trying to get answers from Federal Student Aid about a similar situation for WEEKS. Keep getting put on hold for hours then disconnected. Super frustrating when you're trying to make decisions about your future! Has anyone actually managed to speak to a real person there?

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Chloe Davis

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I had the same issue but found a service called Claimyr that got me through to an FSA agent in about 30 minutes instead of the usual 3+ hour wait. They basically hold your place in line for you. I was skeptical at first but it actually worked. Their site is claimyr.com and they have a video showing how it works: https://youtu.be/TbC8dZQWYNQ Once I finally got through, the agent was really helpful in explaining my options with my foreign degree. They confirmed that I was eligible for Direct Loans but not Pell Grants.

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Ravi Malhotra

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Also, don't forget to check if your nursing program is eligible for the Health Resources and Services Administration (HRSA) funding. They have specific programs for nursing students that can provide substantial financial support. The Nurse Faculty Loan Program (NFLP) might be relevant if you're interested in becoming a nurse educator eventually. These options aren't affected by your previous degree status in the same way FAFSA grants are.

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Malik Thomas

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I hadn't even heard of HRSA funding! I'll definitely look into that. I'm not necessarily planning to become an educator, but I'm open to different paths within nursing if it helps with financing my education. Are there any other nursing-specific funding sources you know about?

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Omar Farouk

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just wondering why ur doing another bachelors? have u looked into accelerated nursing programs for ppl with degrees in other fields? might be faster & cheaper

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Malik Thomas

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That's actually a good point. My Portuguese degree is in Business Administration, and I had looked briefly at accelerated BSN programs. They're still around 16 months and pretty expensive, but maybe I should compare the total costs more carefully. Have you heard if the financial aid options are any different for accelerated programs?

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NeonNebula

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One more thing to consider: If your Portuguese degree isn't evaluated as equivalent to a US bachelor's degree (sometimes foreign degrees are evaluated at a different level), you might actually qualify for more aid options. It's worth getting the evaluation done professionally before making assumptions about your eligibility. Also, regardless of your FAFSA eligibility, fill out the CSS Profile if your school accepts it. Some schools use this for institutional aid decisions, and they often have different rules about prior degrees, especially international ones.

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Malik Thomas

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That's interesting! I hadn't considered that my degree might not be evaluated as equivalent. That would be a silver lining if it means more aid options. I'll check if my school uses the CSS Profile too - thanks for that tip!

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Someone told me that some state nursing boards won't even accept foreign educational credentials for licensure without jumping through a million hoops. Have you checked whether your Portuguese bachelor's will satisfy the prerequisites for nursing licensure in your state? Would be terrible to go through the whole program only to find out there are licensure issues. The whole system is designed to make things difficult for international students and immigrants honestly.

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NeonNebula

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This is partially correct but doesn't apply in this case. The licensing issue typically affects people who got their NURSING education abroad and are trying to practice in the US. Since OP is planning to complete a US nursing program, they'll meet the educational requirements for US nursing licensure regardless of where their first degree was from. The previous degree is only relevant for FAFSA purposes, not for nursing board eligibility.

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one thing i learned the hard way - even if fafsa says ur not eligible for grants, still fill out the fafsa form anyway! some schools and scholarship programs require a completed fafsa even for their own funding thats not federal aid

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Chloe Davis

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For nursing specifically, also look into the Nurse Corps Loan Repayment Program. If you work in a critical shortage facility or in an area with a shortage of nurses after graduation, they can repay up to 85% of your nursing education loans. Many states also have their own nursing incentive programs with similar benefits. Another option: some hospitals have programs where they'll help pay for your education while you work for them part-time in a non-nursing role. Worth asking around at hospitals in your area!

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Leo Simmons

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I went through something very similar with my degree from India! Here's what I learned that might help you: 1. **Federal loans are still available** - You can get Direct Unsubsidized Loans even with a prior bachelor's degree. For graduate/professional programs like nursing, you can borrow up to $20,500 per year. 2. **State-specific aid** - Don't forget to check your state's financial aid programs. Many states have nursing-specific grants and scholarships that aren't affected by federal eligibility rules. 3. **Transcript evaluation timing** - Get this started NOW. I used WES and it took about 4 weeks during busy season. Some schools will let you enroll conditionally while waiting for the evaluation. 4. **Hospital partnerships** - Seriously look into this! I know several people who got their entire nursing education paid for by hospitals in exchange for 2-3 year work commitments. Much better deal than loans. The $35k price tag is definitely manageable with the right combination of federal loans, scholarships, and maybe a hospital partnership. Don't let the FAFSA confusion stop you - you have more options than you think!

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