How does someone go from sleeping in a car to seeking a Ph.D.?
You’d have to ask Andrew Daniel Rocha.
Andrew doesn’t seem as amazed by his path from disadvantaged East Los Angeles kid to NASA intern, MIT lab rat, and professional student. He’s the one living it.
“I didn’t realize it until talking to you right now, but [my path has been] about gaining the courage to be proactive,” Andrew says. “Even though it’s extremely hard, it’s important to take a proactive approach, and ask yourself tough questions. If you see a train wreck months or years ahead of you, plan for it.”
That’s just what he did, time and again.
Starting with no expectations
To say Andrew had an unfortunate childhood is an understatement.
His single mom knew her children were growing up in a rough Los Angeles neighborhood, so she kept them indoors. When they were done with school, they were told to wait in the library until she could pick them up. When she could afford it, they were put into after-school programs.
When Andrew got to high school, he had to manage himself.
“She couldn’t protect me 24-7,” he says. “There were people at school doing meth and cocaine in the classroom next to mine, getting drunk on the school bus. I never took part in it, but it was always around me.”
Only about 20 percent of his class went on to receive a diploma, Andrew says. There was little expectation that he or anyone else would go to college.
“I only barely graduated because I wanted to be an athlete and you had to have a certain GPA to be an athlete,” he says.
Andrew, who started swimming at 6, was recruited to compete in the pool for Pasadena City College. When a shoulder injury cost him his spot on the team, he dropped out and was directionless.
Finding his path forward
But Andrew still had a strong work ethic. He took on four minimum-wage jobs, working 70 to 80 hours a week. But he struggled to come up with the rent he needed to live in Pasadena, California.
“I didn’t like having to work like a dog and having nothing to show for it,” he says of not finding higher-paying student jobs. “I was extremely aggravated by life.
“I felt like I was meant for more than retail. I didn’t just want an education for money. I wanted to find something fulfilling.”
During his first summer away from college, he told himself he’d re-enroll when he discovered what he wanted to study. Two semesters went by. Nothing.
So he stopped waiting around. The first class he signed up for upon returning to school was for counseling on his career options. Vocational exams recommended professions for him. About 80 percent of them were in engineering.
As a first-generation student in America — just four of his 49 cousins in the U.S. and Mexico have earned degrees — he admitted not knowing what an engineer did for a living.
“I had a lot of research to do,” he says.
Picking a career goal
Andrew narrowed it down to 12 professions, with optical engineering making the cut because of his fascination with lasers. Then he found out how much math he’d have to learn.
He took seven math courses over a year and a half so that he could transfer to a four-year school before his financial aid ran out. It did anyway.
Andrew had already decided to live out of his car for a semester so that he could afford food and his city college tuition.
“I started in November, but when December rolled around, I knew I was in trouble,” he says. “Even though it was Los Angeles, when it got down to 55 degrees, I was freezing my ass off.”
But he wasn’t about to stop pushing forward. Excited by the “whole new world” of calculus, Andrew started quitting his four jobs — one at a time — until he was working only 15 hours per week. He found time to do 60 math problems per day.
When the car he depended upon so much started to shake at highway speeds, he made more of a concerted effort at securing financial aid. The Dreamkeepers Emergency Financial Assistance program, which keeps disadvantaged students from leaving school, was a lifesaver.
“In hindsight, it was a struggle because I didn’t know anything [about scholarships] … It never crossed my mind that I would qualify for them,” he says. “I thought you had to be either really smart or a really great athlete. I was neither.”
Financing a four-year degree
By the time Andrew enrolled at the University of Arizona (UA) in 2014, he had resorted to all sorts of money-saving tactics.
- He used YouCaring to crowdfund money for tuition payments and his $450 apartment rent.
- He made it through an entire Tucson, Arizona, summer without turning on his air conditioner, never paying more than $12 for his electric bill.
- He didn’t buy furniture — not even a bed — and only enjoyed the use of a bookshelf that came with his apartment.
And he ate potatoes for three months straight.
There was also the time he woke up in his car and spent all day in Starbucks for two weeks straight. As he worked on a project that netted him a summer internship at NASA, the baristas offered him the food they threw out at the end of each shift.
Despite racking up free money by finding scholarships and taking on more than $37,000 in federal student loan debt, the tuition dollars couldn’t arrive fast enough.
“That was always a miracle,” he says. “One last scholarship would come through.”
Andrew was hampered because he was also initially denied in-state status and the lower tuition rate. UA had called into question Andrew’s commitment to living in Arizona because he spent a whole summer earning money as NASA’s space communications and navigation intern in Cleveland.
During the appeals process, Andrew detailed every transaction in his bank accounts, supplied letters of recommendation (including one from his dean), and swore on a Bible. He says he felt like he was in court.
“The next day, I got reimbursed,” he says of the panel’s unanimous decision to reverse its decision. “When I received that $9,000 check, that was the most money I’d ever seen in my entire life. I thought, ‘I can actually graduate now.’ Since then, I’ve been able to stay afloat.”
Aiming for the stars
By this point, you might not be surprised to learn that Andrew aspires to be an astronaut. Why not, right? He’s come this far.
In fact, Andrew is just beginning a six-year program toward his Ph.D. in optical sciences at UA. The good news is that his first full year of tuition has already been covered.
“One advantage is I have a degree in a highly sought-after field, and so my college gets a lot of funding for grad programs through donors, alumni, and professionals,” says Andrew, who will have ballooning student loan payments upon graduation.
“Usually, the trend is Ph.D.s are funded for the first year, and then the next year students have to find their own way,” he added.
Andrew hopes his story will inspire you. If, like him, you don’t know what you want in life, spend the time figuring it out. Once you know what you’re passionate about, set a plan and execute it. Be proactive, and ask for help if you need it.
Maybe you’ll have to make difficult financial decisions to get there, but hopefully, you can at least keep a roof over your head.
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1 Important Disclosures for Earnest.
To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants will qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.
Earnest fixed rate loan rates range from 3.89% APR (with Auto Pay) to 7.89% APR (with Auto Pay). Variable rate loan rates range from 2.47% APR (with Auto Pay) to 6.97% APR (with Auto Pay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms 10 years or less. For loan terms of 10 years to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 1.82% and 5.50% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of Month/Day/Year, and are subject to change based on market conditions and borrower eligibility.
Auto Pay discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 08/21/18. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice. Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 302 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, email us at email@example.com, or call 888-601-2801 for more information on ourstudent loan refinance product.
© 2018 Earnest LLC. All rights reserved. Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by or agencies of the United States of America.
2 Important Disclosures for Laurel Road.
Laurel Road Disclosures
APR stands for “Annual Percentage Rate.” Rates listed include a 0.25% EFT discount, for automatic payments made from a checking or savings account. Interest rates as of 11/8/2018. Rates subject to change.
Variable rate options consist of a range from 3.27% per year to 6.09% per year for a 5-year term, 4.64% per year to 6.14% per year for a 7-year term, 4.69% per year to 6.19% per year for a 10-year term, 4.94% per year to 6.44% per year for a 15-year term, or 5.19% per year to 6.69% per year for a 20-year term, with no origination fees. APR is subject to increase after consummation. The variable interest rate will change on the first day of every month (“Change Date”) if the Current Index changes. The variable interest rates are based on a Current Index, which is the 1-month London Interbank Offered Rate (LIBOR) (currency in US dollars), as published on The Wall Street Journal’s website. The variable interest rates and Annual Percentage Rate (APR) will increase or decrease when the 1-month LIBOR index changes. The variable interest rates are calculated by adding a margin ranging from 0.98% to 3.80% for the 5-year term loan, 2.35% to 3.85% for the 7-year term loan, 2.40% to 3.90% for the 10-year term loan, 2.65% to 4.15% for the 15-year term loan, and 2.90% to 4.40% for the 20-year term loan, respectively, to the 1-month LIBOR index published on the 25th day of each month immediately preceding each “Change Date,” as defined above, rounded to two decimal places, with no origination fees. If the 25th day of the month is not a business day or is a US federal holiday, the reference date will be the most recent date preceding the 25th day of the month that is a business day. The monthly payment for a sample $10,000 loan at a range of 3.27% per year to 6.09% per year for a 5-year term would be from $180.89 to $193.75. The monthly payment for a sample $10,000 loan at a range of 4.64% per year to 6.14% per year for a 7-year term would be from $139.65 to $146.76. The monthly payment for a sample $10,000 loan at a range of 4.69% per year to 6.19% per year for a 10-year term would be from $104.56 to $111.98. The monthly payment for a sample $10,000 loan at a range of 4.94% per year to 6.44% per year for a 15-year term would be from $78.77 to $86.78. The monthly payment for a sample $10,000 loan at a range of 5.19% per year to 6.69% per year for a 20-year term would be from $67.05 to $75.68.
However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the variable rate will decrease by 0.25%, and will increase back up to the regular variable interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower’s bank account.
3 Important Disclosures for SoFi.
4 Important Disclosures for LendKey.
Refinancing via LendKey.com is only available for applicants with qualified private education loans from an eligible institution. Loans that were used for exam preparation classes, including, but not limited to, loans for LSAT, MCAT, GMAT, and GRE preparation, are not eligible for refinancing with a lender via LendKey.com. If you currently have any of these exam preparation loans, you should not include them in an application to refinance your student loans on this website. Applicants must be either U.S. citizens or Permanent Residents in an eligible state to qualify for a loan. Certain membership requirements (including the opening of a share account and any applicable association fees in connection with membership) may apply in the event that an applicant wishes to accept a loan offer from a credit union lender. Lenders participating on LendKey.com reserve the right to modify or discontinue the products, terms, and benefits offered on this website at any time without notice. LendKey Technologies, Inc. is not affiliated with, nor does it endorse, any educational institution.
5 Important Disclosures for CommonBond.
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.
All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on a 1-month LIBOR assumption of 2.28% effective October 10, 2018.
6 Important Disclosures for Citizens Bank.
Citizens Bank Disclosures
|2.47% – 6.99%3||Undergrad & Graduate|
|2.47% – 6.97%1||Undergrad & Graduate|
|2.51% – 8.09%4||Undergrad & Graduate|
|3.02% – 6.44%2||Undergrad & Graduate|
|2.47% – 6.71%5||Undergrad & Graduate|
|2.79% – 8.39%6||Undergrad & Graduate|