If you share an apt with 4 ppl near public transport, don’t own a car, don’t pay car insurance or for gas, stay on your parents’ cell phone plan, don’t have pre-existing conditions and stay healthy, don’t have debt to pay monthly, have no children or pets, it might be sufficient.
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Keep in mind many programs limit or prohibit your working outside the program. Keep in mind many programs cap how much you can earn additionally on campus. Keep in mind not all programs cover your insurance premiums. Keep in mind funding might be for 9 months, not 12.
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Keep in mind you may not be paid until the second month of your program. Keep in mind you might not have enough in savings to cover emergencies. Keep in mind how much a program will pay for conferences, that you pay for those upfront and won’t be reimbursed until after you attend
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Keep in mind the institution may or may not have a grad student union to address any of your concerns.
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Keep in mind raises in funding are small and won’t keep up with the local COL.
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Please calculate your own financial needs before accepting any offer so you can be aware of the financial situation you’re entering into. It could still be much better than your current one! But don’t let yourself be caught off guard after you accept an offer and start a program.
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Also keep in mind this is coming from a humanities perspective and that STEM programs are generally funded differently.
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Please keep in mind most grad program insurance plans do not include dental or vision, though there might be a negotiated discount included in your plan.
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Check out
@erin_bartram’s spreadsheet for stipend info and contribute if you’re a current student https://twitter.com/susannalharris/status/1222893868779073540?s=21 …https://twitter.com/SusannaLHarris/status/1222893868779073540 …Prikaži ovu nit -
I don’t want to actively discourage anyone from pursuing a PhD! You should just be aware of the financial conditions that come with being in a PhD program before making your decision.
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As others have mentioned, your tuition is waived but the semester fees most likely are not. The number of years your funding offer is good for might not be enough to finish your degree, leaving you to seek out alternative sources.
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