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Hey, don't feel bad! TONS of people have debt, and it does not mean you're a failure. The economy is rough right now and lots of people are unemployed. I feel bad sometimes because I'm only working part-time as well, but the thing to remember is this: you are doing the best you can. Things will eventually work out. Chin up!
@Treasure43: i feel like that sometimes too.... it sucks. my dh has a good job with great benefits... and i have my bachelors but i cant find a job (i keep applying everywhere but its so hard) so right now i just waitress.... it seriously sucks so much! i never have left over money after paying our bills so im always relying on dh to 'help me out'... so yea.... im right there with ya! youre not alone... i really dont have much advice since im struggling with the exact same thing! but keep your chin up!!! we will find jobs! :)
I came into my marriage with a lot of debt where my husband had none, so I kind of understand a little of how you feel.
Things for me are more under control now, I have a well paying job and am putting most of my income into paying down debt.
Having debt does not make you a bad person. At least your debt has contributed to your future propensity to earn, and one day you will be ahead I am certain.
((hugs))
Sorry you feel so crappy, try to keep your chin up. Education is an investment and it will pay off down the line. Teaching jobs might be harder to come by now because of the economy/budget cuts, but these things work in cycles and will pick back up. I think of the times when me and my guy struggled with getting job and I know if is such a blow to self-esteem, but it doesn't last forever. One day you are going to be a fabulous educator in your classroom watching your kiddies learn and you are going to feel so proud of yourself and glad you chased that Masters. Sending you internet hugs and positive energy on the job search!
@Treasure43: my sister is a teacher as well, with her masters and has just as much debt as you do - I always tell her that she could have had a nice BMW or an education
just don't feel down on yourself, in the long run it's going to be nothing! Have you talked to DH about how you're feeling?
But you are NOT a failure! A failure is someone who doesn't strive for what they want to do with their career and gives up. You certainly haven't given up! I hear, "I feel like a failure" all the time from my sister, but teachers have such a difficult job and get so underpaid. I'm really thankful there are people like you who have the paitence to be a teacher and work as hard as you do. So you have a part time job - but its a job none the less!
Cheer up!! :)
Like a PP said, your education is an investment. It is understandable to feel the way you do, but try really hard to lighten up on yourself! You worked very hard to obtain that degree, and it will pay off in the end.
dont be so hard on yourself. There are thousands of people in teh same situation as you. Try not to stress about stuff that you did in the past.. Sure, you are paying for it now but its already done and over with and there si nothing you can do. I am sure you will find a great job, you do have a master's :) Good luck to you and I hope that you feel better soon
Hang in there, teacher lady! What do you teach and where are ya? I hope something pops up for you soon. Sending you positive energy and thoughts. You will persevere.
Thanks for all your support ladies!
@Heatherloveskenny: I've talked to DH about how I feel and he is frustrated that I'm being so hard on myself. MIL caught me in tears today and told me to stop being so hard on myself. But I honestly feel like DH would be further ahead without me. He wouldn't have to worry about supporting a wife who can't find full time employment and could afford a car payment in place of a student loan payment :(
You could be like my MIL, spend you and your husbands life savings to go for your masters degree in a science field and then spend your life managing a restaurant... I'm not sayin', I'm just sayin...
At least you're actively searching for a job in your field! :D
When I read your initial post I thought that it literally could be me saying all of this. I have been in the exact same predicament. My fiance tells me I am way too hard on myself about it, but its really hard to stay positive when you go through a lot of rejection and disappointment.
Just keep having faith and keep applying for positions. Something good will happen! Don't rule out substituting either. That has really helped me get my foot in the door at several districts. Also remember, closer to school time, positions start opening up when enrollment occurs. Good luck! I know something great will happen for you soon!
Hey Sister Bride! Keep your head up!
There are tons of teachers out there looking for a job. I marry my soulmate then graduate with my teaching degree the next day. FI and I have already discussed that I won't have a job for at least 6 months and I'll have some ($10,000) debt coming into the marriage in the forms of student loans. We will make it through together and so will you and yours!
Stay positive. You'll find a job soon!
Oh, hugs. I know how hard it can be - my husband was out of work for more than a year (!!) before finally getting a decent job two months ago. It can take such a toll on your self-esteem, as well as on your finances. But you have great things going for you - for one, you're currently working, even if it's only part time; for another, you have good qualifications for a job in your field. I know something will come along. And I agree wth the PP who suggested subbing as a way of getting your foot in the door.
Just remember, you are not alone. Imagine someone else in your position - would you be judging them as harshly as you're judging yourself? I'm guessing you wouldn't - you'd see that they were doing the very best they could. Try to show yourself the same compassion you'd show a friend in this position.
I hear you loud and clear. I also have student loans that, looking back, I feel like I should have known better than to get. But you know what? There's nothing morally wrong about having debt. It's people who don't understand that debt has to be dealt with that are a problem for the people around them, not people who understand reality as you so clearly do. (And hey, these days you could make the argument that education is a better investment than real estate! 
)
My FI also has a good, well-paid job and has his finances together, and sometimes I feel really bad that I can't be a full partner to him in that. But then, he's told me about his ex, and she was a huge financial drain on him, so he's very grateful that I want to be self-sufficient and contribute to our life together. It sounds to me like your husband gets it and doesn't have a problem with where you're at and helping you deal with the current job situation.
When you start thinking about wishing he didn't have to support you, try to think this: yeah, he could be with someone he didn't love and want to be with, he could be with someone who isn't grateful for his support and someone who didn't want to hold up her end of financial life. Instead, he has a partner in life who he loves and cares about more than enough to want to support her in a hard time after being laid off, and he has a wife who has invested in herself through education.
Give yourself some room and compassion, and know that there are people who are right there with you.
You are being too hard on yourself, sweetie. I went through something similar to your situtation this past year. I hated my teaching job, but felt simultaniously trapped and guilty that I wasn't more grateful for the job I had. I was constantly beating myself up over everything in my life and it was painful for my husband & family to see me that way. My husband convinced me it was okay to quit my job at the end of the year (even though that made me feel more guilty) and convinced me to use the 6 free sessions of therapy that his insurance provided. It gave me perspective on things that are important to me and boosted my self-confidence. I attribute the fact that I got another job to having a more positive attitude about myself.
Teaching jobs are tough these days (I heard from principal's that over 100 people applied to some positions this past spring). It's so hard to feel like you're bringing down the people you love or not contributing the way you'd like to, but things will turn around. Try to pull yourself out of this funk by recognizing all the ways you are amazing and literally pat yourself on the back every time one of those things happen.
And, as a side note, student loan debt is the very best kind of debt you can have, so don't worry about having it/trying to pay it off quickly. Also, as the beginning of the school year ramps up, there are always jobs popping up - often with less competition because people have stopped looking. As a PP said, substituting or working as an aide is a great way to network and make connections (especially long-term subbing). Keep your chin up, everything's going to be okay.
Hey, aw sorry you feel bad. It's not your fault, you went into debt for education so it's not like you've been irresponsible, and like other posters said loads of people have debt. You're not a bad wife! Your husband and you are a team and I'm sure there are things he is not so good at that you are and he loves you for you not your job or bank balance :) hugs
Hello,
I'm so sorry! :( I'm sure you're not alone on this.
An educational counselor at my University said that the field of education is very similar to real estate. It goes up and it goes down. Those who truly have a passion for education will stick it out through thick and thin.
I wish the best for you--hang in there! There's no need to be ashamed or down on yourself although its natural when we feel we have failed. But then again, I've heard success comes after failure. And there's no need to, well, I'd like say in a gentle/kind way, 'compete' or be atleast equally as wealthy with your husband. I'm sure he thinks so highly of you and I'm sure he's proud of you for all of your accomplishments...my fiance always tells me that he thinks I'm the hardest working person he knows (because he's not looking at my occupation as a college student or as a part-time tutor at a school district who hardly gets any hours). My advice: you're doing awesome, be patient and stay encouraged! That will motivate you and keep you strong. And, I really think you'll appreciate your job more than those who didn't have to struggle for their position. I think you will have a powerful testimony to share with your future co-workers, students, and even your students' parents.
P.S. Every professional person I've talked to say that loans are smart, and they'll seem smaller and less of a big deal once you get the job you've worked hard for. Plus, most of them have very inspirational life stories. Many experienced rough times at one point to get where they are now. Stay encouraged, my friend! :)
I'm in exactly the same situation. I have debt from education and I'm still struggling with it. My fiance doesn't even know about half of it cos i feel so useless having it. He has a great job and no debt and can't undertand how I got debt in the first place but, I've paid for everything I've done myself and that meant loans. I also teach and struggled to stay afloat financially in the year and a half it took me to get a job. But.....I've got one now and a year on it's finally starting to pay off so stay positive, debt is crap but it's a lesson to learn and it will get better over time xx
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I guess I'm having a really rough week/month/whatever but I really feel bad about myself :( DH is such a wonderful guy with a stable job. I, on the other hand, am currently working part-time and trying to get a full time teaching job after being laid off. And I have a TON of loans. I mean 100K+. Getting my masters cost a LOT and I went to school out of state so it was realy expensive. Looking back, I shouldn't have taken out those loans but there's nothing to be done about them now. Not only that, but on top of that I'm having trouble finding a teaching job. I feel so guilty and I feel like I'm a bad wife because I have all this debt but I don't know what to do aside from continue searching for a job. Just wanted to vent because I feel like such a total failure :(