Living On $133K In NYC At Age 22 | Millennial Money

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Gabriella Carter, 22, lives debt-free in New York City after winning $2 million in scholarships to go to Princeton. Carter is the founder of Growing with Gabby, a business that helps students secure scholarships for college. Last year, she made just over $87,000 from her business. Coupled with $45,000 from her corporate job and around $1,000 in earned interest, her earnings totaled about $133,000 for 2022. Carter plans to expand Growing with Gabby and create more content about money at large.
Check out Gabby's website here: gabriellacarter.com
And Gabby's social media profiles:
_growingwit...
/ growingwithgabby
www.youtube.com/@GabriellaCar...
This is a Gen Z episode of CNBC Make It's Millennial Money series, which profiles people across the globe and details how they earn, spend and save their money.
What's your budget breakdown? We're looking for stories from all ages, not just millennials! Share your story with us for a chance to be featured in a future installment of Millennial Money: cnb.cx/3OxbJ71
Produced and shot by: Valentina Duarte
Managing Producer: Beatriz Bajuelos
Additional camera: Tasia Jensen
Editor: Marisa Forziati
Animator: Elham Ataeiazar
Additional Footage: Gabby Carter
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This 22-Year-Old Princeton Grad Earned $2 Million In Scholarships | Millennial Money

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5 май 2023

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Комментарии : 696

@AntonioBianh 10 месяцев назад

INSPIRING!! Success depends on the actions or steps you take to achieve it. Building wealth involves developing good habits like regularly putting money away in intervals for solid investments. Financial management is a crucial topic that most tend to shy away from, and ends up haunting them in the near future.., I pray that anyone who reads this will be successful in life!!

@SophiaChristian-so2of 10 месяцев назад

These are very valuable rules for anybody who wants to get rich. Unfortunately, most people who will watch this video will not really be able to apply the principles. We may not want to admit, but as Warren Buffett once said, investing is like any other profession-- it requires a certain level of expertise. No surprise that some people are losing a lot of money in the bear market, while others are making hundreds of thousands in profit. I just don't know how they do it. I have about $109k now to put in the market.

@MarkFreeman-xi3rk 10 месяцев назад

Given the prevailing market conditions and the potential risks associated with the current economy, I would recommend refraining from investing in stocks for now. Instead, it would be prudent to consider retaining a portion of your assets in gold. Alternatively, seeking advice from a financial advisor could provide valuable guidance in this matter.

@cythiahan8455 10 месяцев назад

@@MarkFreeman-xi3rk Mind if I ask you to recommend how to reach this particular coach you using their service? Seems you've figured it all out unlike the rest of us.

@MarkFreeman-xi3rk 10 месяцев назад

Cant reveal much info, Margaret Johnson Arndt is the shrewd advisor responsible for my portfolio success, it's only right you look her up and confirm yourself.

@JenniferDrawbridge 10 месяцев назад

She appears to be well-educated and well-read. I ran a Google search on her name and came across her website; thank you for sharing..

@TheModernInvestor Год назад

$8300 a MONTH in savings... she has no idea how wealthy she's going to be by the time shes 35 years old

@lenaprice6239 Год назад

Exactly!

@AmberTyseti Год назад

She is the definition of “when there is a will, there is a way” good for her and the future

@an67481 Год назад

She is the definition of affirmative action and equity clauses, actually.

@fa11234 Год назад

@@an67481 Oh, by the way, all these programs such as the GI bill, HUD, FHA, free colleges tuition which gave rise to the middle class, especially the white middle-class all came from Affrimative Action programs. So, according to you we should all get rid of them. Well, thanks to some racist white people, they already got rid of some, where there is no longer a middle-class anymore in the U.S.

@career5690 Год назад

@@an67481🤦🏾‍♀️

@achnix3167 Год назад

@@an67481 yeah like if theres a will theres a way ...IF youre black and want A Scholarship lol...studying your "ancestors" blabla

@ShenitaMoore Год назад

I’m twice her age and she’s taught me so much in less than 10 minutes! Kudos to this bright young woman! 🎉🥰

@ProphetRay Год назад

That's wrong because she's misusing the funds Takng away opportunities from orher people to go to college and using for own selfish reasons

@aldralee Год назад

22 years old and absolutely killing it. So impressive.

@z_ed Год назад

Gen z

@potato1084 Год назад

@@z_ed Yeah most of us are out here trying to make it

@portalomus Год назад

So refreshing to see someone who works really hard and is smart with their money. She's earning a lot so young, but she's saving and investing it for the future. Such an intelligent person!

@mattiaslp9645 Год назад

onlyfans is in her future. trust me.

@justinlucas1228 Год назад

@@mattiaslp9645 you're a sick hater

@kayahardin1640 Год назад

@@mattiaslp9645 Why so?

@career5690 Год назад

@@mattiaslp9645 That’s negative to say.

@ChiLe-bw1vv Год назад

@@mattiaslp9645 what is your problem? It’s probably hard for you to see other people succeed and thrive

@chantalsmissingselfawarene7655 Год назад

She's a TOTAL WINNER! You go girl! I know you are making your parents so proud!

@veronica.baker1 Год назад

Impressive video. I started a bit late (graduated from my doctorate program at age 30 in 2014 with 170k in school loan debt). Managed to pay off my debt by 2019 and currently have a house and 250k total in investments (combo of profit share, 401k and a brokerage account). I'm not very knowledgeable in investing, so I just have my investing currently in index funds mainly Too but have been putting a lot into Schd the past few months. I don’t know if that's the optimal strategy, but psychologically it is very set it and forget it, and prevents me from obsessing over individual stock performance.

@james.atkins88 Год назад

I’m thinking of doing the same but not sure if I should use different brokerage accounts? Just curious. Pros and cons?

@edward.abraham Год назад

@@james.atkins88 Instead of using different brokerage accounts to purchase index funds or individual stock, compare your age(s) and how much time you have estimated till retirement, you can also opt to consulting/working with a fund manager/advisor for an “optimal strategy” to outperform the bear market.

@rebecca_burns14 Год назад

@@edward.abrahamPlease tell me how I can think I have such skills. My funds are being murdered by inflation, therefore I'm looking for a more profitable investing strategy to put them to work.

@edward.abraham Год назад

@@rebecca_burns14She runs her firm under her name "Julia Ann Finnicum. You can find her contact page if you research her. Do your due diligence you'd find all you need to know.

@hunter-bourke21 Год назад

@@edward.abraham Thanks for sharing this. I did my own little research, and your advisor looks advanced and experienced. I wrote her and dialed her twice but she didn't pick up so I scheduled a phone call. She looks experienced, I hope she doesn't ignore me.

@4.carmeljwn Год назад

She is so blessed! Ivy league degree..free ride! Graduating from college 🎓👩🏿‍🎓debt free puts your life in a wonderful place of freedom.

@daniella8400 Год назад

Yes, you’re right but she worked hard for that and there are many ways to obtaining degrees without debt. I went to college on a full ride band scholarship, then joined the military free masters. IT’s opportunities out here but you have to be focused and hardworking.

@meks194 Год назад

Ivy League for a 45k job. 😬

@daniella8400 Год назад

@@meks194 she graduated one year ago. That’s a decent salary for someone with little experience.

@daniella8400 Год назад

@@draedon_ right it depends on the degree you can make more but she’s definitely make more the the average amount for a recent college grad!

@neuchaos Год назад

@@meks194 the job was $90k as she stated later in the video and that was just entry-level straight out of college. The $45k was them reporting the income for half of the year.

@SAnderson54 Год назад

Why am I proud of her like I know her!?! Shout out to Gabby. She's on a great path. Nothing but peace and blessings to her!!

@TheAlfredPlatform Год назад

Applying to scholarships is 2x more strenuous than applying to jobs. Congrats to her.

@veliciawilliams3776 Год назад

It really is , but you have to decide that your future has so much more value to get busy with applications.

@AeroDepartment Год назад

Nah, I used GPT-3/GPT-4 and got a handful of scholarships with little to no effort.

@AeroDepartment Год назад

I stopped at 40k though cause it felt a little too unfair

@TheAlfredPlatform Год назад

@AeroDepartment I went to college from 2009 to 2013 so technology as we know it today wasn't available.

@murk959 Год назад

@@AeroDepartmentdid you actually get them though?

@alexanderfinlay9639 Год назад

Insightful video. I just want to know best how people split their pay, how much of it goes into savings, spendings or investments. I'm 27, and earn nothing less than $150k per year, but nothing to show for it yet

@manylinkz.lining Год назад

The fact that you’re watching videos like these at 27 years old means you have a pretty good future in front of you 👊. You should have a good financial advisor on your team

@alexanderfinlay9639 Год назад

@John Tipton-butler Thanks for your contribution. Having a guru determine and coordinate your overall financial strategy sounds like a good plan. I just have one questions, what worked for you, how you got an Advisor and how's it going so far?

@manylinkz.lining Год назад

@@alexanderfinlay9639 I found my adviser during one of my routine researches a while back, during the covid period. Luckily, you don't have to do that again. There're a handful of them now but I only trust Kathleen Carole Yanelli

@manylinkz.lining Год назад

You can look her up and expect a lucky start

@Tashas_Travels Год назад

I’m a 26 year old low income earner, I managed to save up my first ever $1000 emergency fund. So save even the little you can space it grows . I am now on my way to saving 6-12 months worth of my living expenses and learning a new skill (as a nail tech) so that I can be able to bring in an extra $300 a month part time for now that I’ll put in unit trusts. From little things, big things grow. Don’t give up.

@kortyEdna825 Год назад

The economic crisis and downturn are all the signs of 2008 market crash 2.0, so my question is do I still save in the US dollar or is it okay to move all emergency and savings to precious metals?

@Justinmeyer1000 Год назад

Gold is often seen as a safe-haven asset that can protect against inflation and economic uncertainty. But like any investment, it carries risks. To determine if gold is the right investment option for you, an investment advisor can help you weigh the potential benefits and risks of investing in gold. They can also help you create a well-diversified portfolio that includes gold as part of a broader investment strategy. An investment advisor can help you decide how much of your portfolio should be allocated to gold and select other investments that can complement your gold holdings.

@carssimplified2195 Год назад

@tudorrwilson That's fascinating. How can I contact your Asset-coach as my portfolio is dwindling?

@carssimplified2195 Год назад

@tudorrwilson Thank you for this tip. It was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her resume.

@girlabouttown9294 Год назад

Very switched on, she's going places. Her family must be amazingly proud of her, especially coming from humble beginnings

@armanithompson1029 Год назад

Big up yuhself gabby, not many Jamaicans might be watching these but we are here and we are very proud. 1 movement we say

@tahsinhossain1389 Год назад

This is literally my favorite video. I love seeing women of color succeed. Shes so amazing gives me so much hope and inspiration.

@bluebellbeatnik4945 Год назад

same

@arunog1934 Год назад

Been watching this series since the beginning. One of my favourites on RU-vid!

@lindapoplin7150 Год назад

You work for 40yrs to have $1M in your retirement, meanwhile some people are putting just $10K in crypto from just few months ago and now they are multimillionaires..

@johnchris7085 Год назад

Unfortunately The majority of individuals seem unaware of and careless when it comes to investing, despite the fact that it should be the best thing a person can do for himself. My gains from stocks and cryptocurrencies are still having a significant impact on my fortune. So I have no inclination to rely entirely on my pay or to wait for the market to go up.

@andreajueal8243 Год назад

My regret is that I depended on the government for my retirement, my financial security, for everything and got screwed. I will advice you invest.

@lincolnjack3198 Год назад

@DavidLopez-nw3kr real estate is good but crypto is better

@kelvinmcdonald5113 Год назад

Now is the best time to purchase and invest in bitcoin, stop procastinating

@stevewilliams760 Год назад

I diversified my $25K portfolio across multiple market with the aid of an investment advisor, I have been able to generate over $450k in net profit across high dividend yield crypto in few weeks or months.

@laurenraquel Год назад

I applaud Gabby for her dedication to getting as many scholarships as possible for school and finding a way to set herself up for post-grad life. So many students are unaware of the multitude of scholarships available to them, or they are afraid to apply since they don’t believe they are “qualified.” If you’re a collage student, apply to every scholarship; even if you only meet 1 requirement.

@stephane1623 Год назад

Good for her! I have a similar story but earned about 45K in scholarships.

@lenaprice6239 Год назад

I can't applaud the young lady enough for starting her own business, at the age of 21/22. Being an entrepreneur is really the best way to achieve financial freedom AND peace of mind. When you become your own boss, the sky is the limit and your salary/income will never be capped. Also, you won't have to worry about getting "fired," or being unemployed or having to placate to office politics or making another person rich. I wish Gabriella Carter continued success with her thriving business, that adds real value.

@lexm17 Год назад

🤖

@gbb82 Год назад

Say what you want about America, but it’s still a dynamic, progressive environment to thrive. I was also born in London, lived in the US most of my life, and I am now retired to Jamaica to take care of a parent. In Jamaica there are virtually no opportunities for the many bright young people here, it’s sad to see how stifling this environment is for them.

@lenaprice6239 Год назад

Why aren't there any opportunities in Jamaica?

@gbb82 Год назад

@@lenaprice6239 The Jamaican economy is too small to absorb the thousands of high school and college graduates on a yearly basis. It is not diversified enough. The options for many young Jamaicans are limited to the tourism sector (working at a hotel), bauxite, agriculture and a small business and financial service sector. Fifty percent of the government’s revenue is used to service debt (e.g. the IMF), leaving them with little for infrastructure improvement, which could employ thousands of Jamaicans. For many of them the best option is to migrate to the US, UK or Canada.

@lenaprice6239 Год назад

@@gbb82 Thanks for the info.

@themonsterwithin4000 Год назад

@@lenaprice6239 The real truth is that every country with a trash economic life for its people simply has greedy politicians stealing all the riches for themselves.

@kemi1486 Год назад

@@gbb82 I totally agree and its heartbreaking. Looks like the Jamaican people will have to save ourselves because the government’s focus is extremely limited. I think Jamaican Repats could be start of a solution. Return with education, experiences and finances to start businesses to help our fellow countrymen and women who are so educated but lack quality career and job opportunities there.

@DMAE464 Год назад

As a young Jamaican immigrant watching this, I just wanna say Thank you!. I am In my last semester of nursing school and I am struggling to pay my tuition without getting into student in debt. This was very inspiring, I am going to go check out some scholarships now..

@mdavis3262 Год назад

Love seeing other Jamaicans doing well 🇯🇲 🇯🇲🇯🇲

@helena3631 Год назад

Me as well

@Brucelee89896 Год назад

immigrants know the real struggle unlike americans some

@erinm.andrews8941 Год назад

What an inspiring story! I’m so proud of Gabby. 🎉

@young_wells5945 Год назад

Much respect, love her story!!!!!

@KeniaClaus Год назад

Brava, Gabby👏🏾I’m so proud of you! She said something so important and I never thought of, after getting rejected 30 times she got discouraged but she got the first one and she still had the writing skills from practice and perfected the skill. Big up yourself Gabby!

@jminor318 Год назад

TRULY Appreciate this information!!

@carmellabrown3335 Год назад

Love, Love, Love it! Wishing her nothing but the best and more success!!!!!!!

@BarbellFinancial Год назад

This woman is amazing!

@hannahmuellenmeister Год назад

AGREED.

@leelowe1 Год назад

I love this! I'm from Jamaica too and it is great to see others come from very little and succeed, not falling into the trap of consumerism. She is a hustler and seems to have a good knowledge of financial literacy. I love that her business is to help others find a way to fund their education without crippling debt.

@cookiejoanna Год назад

Love seeing a fellow Caribbean woman on here ❤❤ definitely gives me some motivation. Big up yuhself !

@MsMockingbird06 Год назад

My favorite Gen Z money episode so far! She’s doing an amazing job!

@vee9043 Год назад

I wish I was this smart when I was 22. Loved her story and the series.

@karltonsullivan2564 Год назад

I'm going to show my daughters this video. What an inspiration. This young lady is very admirable and special. An over achiever to say the least.

@dulcemaria22120 Год назад

Good for her. She is such an inspiration. I love the younger generations!

@BlackManTravels Год назад

Inspiration to many... keep up the amazing work

@veliciawilliams3776 Год назад

It very good to see Gabby putting money into her retirement accounts while she’s young.

@Peckz1949 Год назад

Anywhere we go, we succeed!! 🇯🇲🇯🇲🇯🇲

@candyjamaican Год назад

Mi seh ano lie!! Mi proud a her till it buck

@4evahodlingdoge226 Год назад

Immigrant mentality make people succeed, a lot of these people born into these 1st world countries are too comfortable.

@abbygalerowe1254 Год назад

🇯🇲🇯🇲🇯🇲🇯🇲🇯🇲

@helena3631 Год назад

Periodt🙏🙏🙏

@kemi1486 Год назад

Same suh! We have audacity (the best kind), confidence and determination like no other. Gosh I love us 💕

@las1129356 Год назад

omgg, I remember watching her college acceptance video. I had DM,d her about a scholarship program and she was so nice and helpful.

@cameronmanning8606 Год назад

I remember seeing her on campus. She's definitely seemed like a cool person. Super happy for her

@HomersIlliad Год назад

The youngest Millennial is around 27 - they should start calling this something like "Gen Z Money."

@kaydod3190 Год назад

Doesn’t matter.

@jordanasberry8729 Год назад

They did. The video just used that title in the opening

@fuosdi64 Год назад

Yeah the youngest millennials are 26 turning 27 this year. This is firmly Gen Z territory if she's 22...

@H20fanatic20 Год назад

Did you watch the video? The opening it said was Gen Z money

@HomersIlliad Год назад

@@H20fanatic20 This episode is called "Gen Z Money", whereas the series is still called "Millennial Money."

@rachel6ix Год назад

She is noooo joke! We love to see it. ❤

@ProphetRay Год назад

is this how all black act? like for reals she's taking away opportunities from other black women to live a life of excess

@roxiechristie8809 Год назад

Wonderful video!!! I am so happy and proud of her.

@TeeRql Год назад

i love this for her! keep shining & keep growing, gabby 🌟

@lillianzhang_ Год назад

very inspirational!

@taradballou Год назад

I love EVERYTHING about this, everything. Excellent job, Gabby!!!!

@torriemcglory2149 Год назад

Congrats Gabby! Many continued blessings! Keep shining star! 😁

@shaamoraharden2797 11 месяцев назад

Congrats to her. That was such an inspiring video.

@candyjamaican Год назад

I had to addressing these comments that I forgot to congratulate Gabby. Baby girl stay winning. We proud a you Mi Gyal. Proud baddddd

@RoxiieSays Год назад

So proud of her!! Yes girl!

@MerrilDiniz Год назад

Fantastic story - love the style, the vibe, the vision, and also really using one's one learnings to fill such a gap. More power to Gabby and her business, and upcoming show. Hoping I can watch it from India!

@godlovesyoumorethanyoucane4239 Год назад

GO GIRL!!! Wow wow wow. You are truly inspiring ❤

@scheenekendrick9009 Год назад

I’m so proud of her!!!

@kavitvichhivora7025 Год назад

massive respect!

@itshollyw959 Год назад

She is SO AWESOME!!! Love hearing about her journey so much

@Jonteponte71 Год назад

$2M in scholarships is more then I have made in total in my carrier. I'm not in the US but I have a masters in Computer Science and have had a 25 year carrier in IT (so far). This is pretty insane.

@girl2h4u Год назад

I will note she is impressive! But earning $2 million she is adding every scholarship she ever got offered.she can't accept them all because some of them (most) were tied to schools she did not attend. Almost every school will offer you a scholarship once you get accepted!

@az55544 Год назад

*career

@D13vest Год назад

The holes in the story in regard to that

@jones2277 Год назад

@@girl2h4u that was what i was thinking. many of them are also need-based, so having all the scholarships can actually count against you for tax purposes.

@neuchaos Год назад

She received $2 million in scholarship offers from various schools and programs, a common achievement among top students, with several at my high school reaching similar figures. At Princeton, she probably had tens of thousands to hundreds of thousands in scholarships and grants annually, covering not only tuition but also living expenses. Her refund checks were probably several thousand dollars per semester, combined with her work income, enabling her to save over six figures by graduation (4 years). This is remarkable, as most students graduate with debt or minimal income, she was essentially getting paid to go to school. Very insane, Most working adults cannot even save $20k in 4 years let alone 6 figures.

@chilam2512 Год назад

Graduated from a top University and earn a 45k McD wage tell all you need to know.

@owenmurphy2022 Год назад

More of these please!

@nicford548 10 месяцев назад

So so proud of Gabby ! I see you live in my neighborhood in Harlem, so I will definitely say hello, should I bump into you. You’ve already achieved so much at such a young age. May you continue in your quest to do more.

@JD-je4jf Год назад

This kids a winner. Those are the type of interns we look for in my company. She's got a bright future.

@neuchaos Год назад

Securing scholarships is challenging and requires dedication, it really is like gambling. You can apply for hundreds and not get a single one. Gabriella's success & story shows her hard work and intelligence. Parents should also foster academic and entrepreneurial growth in their children. I know most working-class parents don't have the time or resources to invest in their kid's education, but the best thing you can do is emphasize the importance, help where you can, and create an environment that pushes them to succeed. Students with mediocre stats or no financial need, should focus on schools with good financial aid, minimize the need for loans, and work during school. Being realistic and strategic while applying for scholarships.

@TmFBaBii Год назад

Love it!!!!!! 👏🏾👏🏾👏🏾👏🏾

@eojuka Год назад

Way to go, Gabby! I will recommend your business to my friends and fam.

@HallmarkRocks Год назад

Congratulations 🎉

@shea1219 Год назад

I am so proud of her!❤❤❤❤❤

@asvdavis Год назад

I’m here for this GenZ content the girls that get it, get it 🌟

@DaintyDaphne1 Год назад

Yes sis 🇯🇲 love it 🎉💪🏽

@dangerclose1 Год назад

She’s crushing it! Princeton, 22, pulling 133K. Sheesh!!!

@prettypuffprincess Год назад

LOVE TO SEE IT❤❤❤❤❤❤

@emmanuelharbor2350 Год назад

Inspiring contents

@chrisrooney5136 Год назад

The Market has been pretty bad until today it decided to surge. Everybody was Practically Crying then. It kept dipping. That's what you get when you feel you can navigate the process on your own. Big thank to lisa Ann I'm not bothered with how bad the Market is because my assests are insured due to her advice and I still receive my profits

@tracyrose8276 Год назад

Having Cr yp to As sets and not being able to make Pr o f its out of them can be very frustrating. Big thanks to Lisa Ann I make hu ge Pr o f its Tr a d I ng with her weekly.

@mariadominic9759 Год назад

I think she trades for everybody I know. Met her twice at a conference in Germany, after her lecture I had to personally beg her to be my Finacial Advicer. I celebrate her strong feet.

@johnkennedywilliams640 Год назад

wow this is awesome, I'm new at this how can I reach her

@venduzimakanakie4302 Год назад

I also make huge profits in stock market by trading with her weekly, her consistency is crazy.

@justinmelody257 Год назад

Just checked her out now. She’s Licenced with credible results. Thanks for the Info.

@ms.inspiration385 Год назад

Brilliant young lady! May she continue to have much success in her future endeavors ❤

@AmaraAnigbo Год назад

Some of these comments are really sad😢 regardless keep killing it Gabby! You are so strategic and smart. I love seeing black woman win!

@02nupe Год назад

This is extraordinary. Salute to this sister.

@jaybloomfield5082 Год назад

Just love the nonstop uptalk.

@stop08it Год назад

I LOVE her definition of retiring early

@Joliejenni Год назад

Inspirational ❤

@leoneranger9348 Год назад

Great hustle and vision. Also props to her supportive parents 👌🏾🙌🏾

@GratitudeGriot Год назад

love to see it!!! i got a little bit of scholarship $ in undergrad but I didn't apply to as many opportunities as I could. This is inspiring me to look for scholarship opportunities to pursue my masters and PhD

@eventconsultants7010 Год назад

Talented, Intelligent and Impressive.

@LeXx0r Год назад

Congrats on your success, amazing to see! You could make your consultations prepaid only. That way you don't have to worry about getting paid or getting paid on time

@irmakalember3709 11 месяцев назад

Wow amazing. Congrats girl. U got it

@brownbbydoll1777 Год назад

Wow such a beautiful intelligent nature young lady & she comes from humble beginnings. More blessings to her ❤

@invincible6623 Год назад

Great story. 👍👍👍

@daianabilbao2771 Год назад

i got refund checks in college (not 2M) and they were life saving. as someone who was low incone & couldn't rely on their parents financially, i was able to pay for those "non" tuition/school expenses without penny pitching or stressing. I could choose to drop a class during a stressful semester without financial worry. I could buy myself lunch during busy days. I still worked too but I didn't have the stress of "I have to work", if i had an exam to study for, I wouldn't feel financially obligated to go to work & i'd just call-in. I was able to work a low paying internship too / volunteering my skills to grow my professional career & portfolio. Everyone should apply for scholarships!!! Especially if you're low income. Not having the extra cash puts you at a disadvantage. It's not just about affording the tuition. ONE THING THOUGH, you do have to pay taxes on your refund checks because it counts as your income. That was a huge shocker for me. I was paying 2k in taxes a year but I was fine with it because I was like "well they paid everything else for me so 2k isn't that much", I just saved up a portion of my scholly money for taxes.