@iamjgrimes: Going part time has always been the sensible advice. Keep your job, spread the cost, avoid the debt. That advice was built on rules that changed July 1. Your federal loan amount is now tied to your credit load, so 6 credits a term means you borrow a fraction of what you could have borrowed last year. Same classes, same tuition bill, less money to cover it. Part time can still be the right move for a working professional, but only if you priced it out before you enrolled. Book a Graduate School Clarity Call in my bio and let's look at your actual numbers. #ApplyToGraduateSchool #gradschool #loans #studentloans
I found an accelerated online 1-yr grad program in ‘24 I completed while working full time. Folks better get creative.
2026-09-21 00:40:10
230
SouthernSugar :
This is my fear. I want to get my Ph.D but i know it I can’t quit my job while I pursue it.
2026-09-20 21:00:37
647
nique_monae_ :
I’m just so glad this is my last year 🤦🏾♀️because what grad student is going to school full time and working full time with a whole family to support. We are living in ghetto times
2026-09-20 20:58:43
242
Mae :
This is so sad for so many people
2026-09-20 20:42:21
221
takunda :
This is why I’m working and in grad school full time, it sucks but it is what it is
2026-09-21 17:06:48
11
Sharina Lenton :
Full load is 9 hrs and I had 8 this semester. They cut my aid in half🤦🏾♀️
2026-09-20 22:39:20
95
UniqueJewel38💎 :
I’m at Walden and what I was told by financial aid 2 courses × 3 credits each = 6 credits → Full-time
* 1 course × 3 credits = 3 credits → Half-time
* 5 credits → Three-quarter-time
* 6+ credits → Full-time
2026-09-21 11:26:25
5
iLaurena 💚 :
Plus loan is gone for NEW borrowers but it still applies and can leave you short. Your employer having tuition reimbursement is key now. My university allows you to not pay until the end of term when the company pays out .
2026-09-21 01:11:36
36
camila :
I got 6 credits and received 5k in refunds plus a tuition waver they only gave me 10k per semester I’m not sure how I feel it but my school is relatively cheap so I am grateful for that
2026-09-21 09:26:03
18
SYD SIMS🧿🦋 :
I did a full time grad school program while working full time. But that shit wasn’t easy. We did mini-mesters.
2026-09-21 03:37:25
24
Memphis Born & Raised 🤌🏾 :
I started back in 2024 and next spring is my last semester. Praise the Lord 😭😭
2026-09-21 00:23:23
33
faithoffscript :
Full-time job, Full-time Ivy League masters program AND out-of-state commuter
2026-09-22 04:36:57
5
♡ :
full time student and graduate student, I'm fighting for my life each week 😭
2026-09-21 14:32:17
7
b 💌 :
i had to switch grad programs bc of this, but now i go to school part time for free
2026-09-21 03:36:13
10
dee619👩🏾🌾🚜🌶️🍇🥒🫐 :
My program is specifically part time, nothing I can do about it
2026-09-21 03:13:38
5
melissita :
Yessss this just happened to me! I was SO frustrated I “borrowed” just enough to cover my full tuition expense for the semester (online program) and I didn’t get the full amount, had to pay out of pocket for a solid chunk.
2026-09-20 20:38:28
14
Most High's unique daughter ❤ :
this why im pushing through
2026-09-20 21:03:12
7
Teshia Monet❌️ :
yes.this change is gonna Mesa a lot of people up
2026-09-20 18:50:06
6
Taylor ❤️❤️❤️ :
Of course this change happens just when I start grad school. 🙃
2026-09-21 01:32:59
10
SadeBarb 🫦 :
I do not recommend part time for graduate school. The amount of courses as an entirety is too low to stretch part time unless you’re paying out of pocket. Thank you for sharing this update!
2026-09-21 06:13:22
5
meemthedream :
Useful information thank you!
2026-09-20 20:13:41
5
Professor Jillian :
so how many classes is full time?
2026-09-21 01:45:42
0
Waka waka :
9 credits is the sweet spot. You get all the federal with about 2k left over for most programs. Any less credits, you get less federal. Any more credits, federal cant cover and you need to find other funds. Also no grad plus loans for the majority of programs. However, anyone who was actively in grad courses starting this past summer or prior is grandfathered into the grad plus loans and can use it for following semesters. If your first semester is this semester or later, you have no access.
2026-09-22 15:35:52
2
MayaRachel :
I’m done this fall. IM DONE. It’s just been so much
2026-09-21 00:19:32
2
jamalbeh279 :
this is what happened to me. I had to get an extra job just to cover tuition. It wasn't easy but God made a way 🙏
2026-09-21 00:02:31
4
To see more videos from user @iamjgrimes, please go to the Tikwm
homepage.