My child is a high functioning ASD kid, and I've just found a school I just have to send him to.
The issue is that it's private, and the tuition is 18K a year plus, I have to drive him which, believe me I"m willing to do it, but it's a difficult trek to do.
I have been spending thousands on him since he was born in all kinds of alternative therapies. He's done so well and come so far. This is a program that can really make a significant change in his ability to learn and function. I just know I have to do it...but...
I'm maxed out on loans, we took out a educational loan for him already and we've used equity in the house to pay for things. I don't regret any of that, but we have little in savings, no cc debt, a little car debt, and alot of mortgage debt. My hubby is stressed thinking about how we'll manage, but he tends to just go along with my decisions as I've really made a difference in our child's life so far.
I can take the money from a place where it will incur more debt, and I'm willing but scared. Just a little. It doesnt' take much of a bump in the road to challenge our (or anyone's these days) financial situation. Not to mention we are in our 50's so there isn't exactly forever to recover and try to provide for ourselves in later years.
I tried finding a way for the public school system to fund it, no luck...none at all, it won't work. I asked around for private lenders, thinking some wealthy person might loan me the money at a better interest rate than the banks. I tried borrowing but wow, personal loans are very high interest.
Any thoughts? Can anyone relate to my need/desire/obligation to help my child no matter what? There may be no money for any college, but, if I don't do this school, he may never be able to get to college.
Crazy thing is our school district spends more than this tuition on his education every year, but they won't agree to direct it here. Crazy...he isn't getting what he needs and yet they throw money at the system to teach him what doesn't work.
Love and appreciate feedback, hugs, thank you...purr