Chemistry Matters

Becoming a Chemist in Canada

As the world increasingly becomes more scientific based, choosing to become a chemist isn't a bad career path at all. Chemists are not only highly sought after in many new fields, but even in traditional pharmacist roles they make a great income. So if you want to become a chemist, where do you have to move to in order to study? How can you afford to pay for it all? This article should put your concerns to rest.

Top Universities To Study Pharmacy In Canada

Here is a list of the best campuses you will want to complete you bachelor of pharmacy at:

More Expensive Than Other Degrees?

Wanting to become a chemist doesn't necessarily make it more it expensive than other degrees. If you're studying part time while working part time, then it might take you longer to get your degree, though it will be a lot cheaper as you're paying it off on the go. However if you're just studying full time and don't have a job, then it can be much more expensive. Pharmacy tends to take a few more years to complete than let's say a business course, because the level of personal responsibility in medicine is extremely high, thus more training is needed.

How can you pay for it all?

Cost of education can be expensive, especially if you aren't getting any help from your parents. You have living costs, course costs, books costs as well as trying to keep some level of normal social life. There are a few things you can do to move the financial burden from your shoulders. These include:


There are thousands of different scholarships out there, you just need to apply for them. Have a look around at what pharmacy scholarships are available to you and then get applying. They will help take a huge chunk out of the cost of going to college.

Student Credit Cards

Apply for a student credit card, they come in all kinds of options. There are cards that have no yearly cost and then other cards that come bundled with benefits a student would enjoy, like reduced price of concert tickets. Finding a card that is right for you can help you pay for all your university expenses.

Student Loan

If you've maxed out a card or two and are finding it difficult to get a hold on your student credit card debt, then you might find taking out a student loan will help you get better hold on your money. Use the student loan to pay off the credit cards and you'll easily avoid bankruptcy.

Plenty of Options

As you can see there are tons of options out there to help pay for your dream of becoming a qualified Canadian chemist. Hopefully this has given you a place to start.

Consolidating Your Student Debts

Students can easily run up a mountain of debt. There are all kinds of things they need to pay for, like classes, tuition, books, rent and so forth. Most students are not only living away from home for the first time, but it's their first time taking responsibility of their financial situation. At some point most students inevitably wind up a little overwhelmed by it all. So it's not unusual to see them rack up debt on student credit cards and with student loans. I've put together this useful guide to show students how they can once again get on top of their finances, by consolidating all their various debts.

How Bad Is It?

If you've already got a part time job to try and keep your debt as low as possible and the bills are still piling up to a point where you feel the stress of it all is suffocating you, then it's time to do something!

What Can You Do?

Grab a piece of paper and a pen. You want to go right back to basics to get on top of your finances. Start writing down all the bills you have to pay for each month. Include everything you can think of, like:

If you fall behind on any of these bills, as most students do, the companies end up charging an assortment in extra fees and interest. You've seen them before labelled as late fees, administration costs, missed payment incursions, etc. All of these various bills also have their own interest amounts. If you add it all up now on the paper, you will see you wind up paying a fortune in just extra interest. You want to remove all of these bills at once so none of your accounts are overdue or behind. You can do this by taking out a debt consolidation loan.

What Is A Debt Consolidation Loan?

A debt consolidation loan allows you to get in front and catch your breath. It works by taking out a loan to pay off all your credit cards, loans and other student debts. This loan is now paid back, and at a cheaper interest rate, to one lender.

Advantages Of Debt Consolidation

The monthly repayment are significantly cheaper than paying all your accounts individually. So not only do you get money to pay off all of your over drawn accounts at once, but you'll immediately save money by not owing interest to a whole bunch of places.

How To Get A Debt Consolidation Loan

There are a few different debt consolidation plans out there, some aimed specifically at students. It's worth taking your time to have a look at what ones you qualify for and out of those who will charge the least interest. Remember the goal is to save money and help you get out of debt or at least stop yourself from obtaining any further unneeded debts through unpaid accounts. When you've found a debt consolidation loan that will work for you, do it! Pay off all your over dues and give yourself a fresh beginning. To keep in front set up automated bank transfers to pay bills on time. If you use a credit card, make sure you immediately put money into a separate account, so at the end of the month when the bill comes, you can pay it off. Have self control and don't touch that money until the credit card bill comes in.

To Conclude

Being a debt free student isn't easy with the all the costs that go along with college, but you can at least come out of it with a small debt footprint, if you take the time to get on top of your finances now, there is no better time to do it!

See the following articles about debt consolidation that you may find helpful: here and here