(Closed) I feel so stuck. NWR. Just a rant/vent/whatever.

posted 5 years ago in Money
Post # 4
Member
1657 posts
Bumble bee
  • Wedding: August 2015

Keep your chin up. I’m going through a similar situation and all I can say is save every little penny. Don’t get that coffee from the deli; thermos it instead. Impulse buying should be kept at a minimum or none. 

I really hope you win the lottery or something. 🙂

Post # 6
Member
334 posts
Helper bee
  • Wedding: February 2013

I don’t think I have any inspiring words at the moment, but I can say that I absolutely relate. There are days when I wonder if I have made a terrible mistake by going into such extreme debt in order to get this Ph.D, especially since I won’t be going into a super lucrative field. Debt can feel completely suffocating and I’m sorry that you’re feeling so bogged down by it right now.

Post # 8
Member
334 posts
Helper bee
  • Wedding: February 2013

Oh I know. I often say that I will die before these loans are paid off. I say it in jest, but I think I joke about the loans because the reality that my education, which I deeply value and appreciate for how it has changed me as a person and a professional, is also simultaneously negatively impacting my entire future, leaves me feeling depressed and conflicted about the choices I made.

I’m not sure if you’re just looking for support/understanding or also suggestions, but in my field there are some repayment programs for therapists willing to work in underprivileged areas for a few years. Do similar programs exist in teaching (it’s possible that I completely fabricated the memory that you are a teacher).

Post # 10
Member
122 posts
Blushing bee
  • Wedding: September 2013

I am in the same situation and am looking for ways to either a) make more money or b) spend less money to be able to pay off debt/save/etc.

I am at the point now that I am considering a complete career change if necessary.

All I have to say is try hard not to stress about it and remember it’s just money. Yes, being in debt isn’t any fun and neither is counting every penny, but money doesn’t equal happiness.

Post # 12
Member
776 posts
Busy bee
  • Wedding: November 1999

Good or bad, everything passes. It’s all shit now, but I can tell from your posts you’re doing everything possible to get out of your situation. Something WILL come through. Just keep plugging away. It will get better. I was in your position not too long ago. Big big hugs!!

 

Post # 13
Member
2433 posts
Buzzing bee
  • Wedding: June 2009

I will have a significant amount of student debt when I get out of graduate school.

I hope that we will be able to get approved for a mortgage not too long after, but we’ll probably be denied until I pay down a significant amount of my student loans.

UGH. I know how you feel Cry

Post # 14
Member
4464 posts
Honey bee
  • Wedding: February 2012

Are there any parents at all that are willing to pay on the side for tutoring? Are there any private schools around? In Florida you can get around $65/hour for tutoring! I know you said a lot of parents don’t value education, but there has to be some parents that would be willing to pay on the side, even from different schools than you are working at now. 

Post # 15
Member
2573 posts
Sugar bee
  • Wedding: November 2013

@peachacid:  I believe that there are programs where your loans will be forgiven after 10 years as long as you work for a non-profit. I am assuming schools are non-profit, hence try looking into that. 

I have lots of student loans, but am in a high-paying field so I consider that the cost of doing business. Maybe you can do some babysitting/nannying on the side? My friend made some good money doing that.

Post # 16
Member
888 posts
Busy bee
  • Wedding: July 2009

@MrsEdamame:  Student loans are not viewed as negatively when trying to get a mortgage.  Just FYI… Of course, I imagine it also depends on how much you owe in students loans.  30k is not the same as 200k. 

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