The Struggle is Real

The Struggle is Real

Do you ever get that feeling like you just keep getting the crap end of the stick?

Feel like the whole “Nice guys (or girls) finish last” actually applies to you?

Feel as though you’ve spent your whole life working your tail off only to seem like you’re going in circles?

“At some point the madness does end and…You can help decide when it does.”

We’ve all been there, well at least I have. I’m here to tell you that although at times those sayings may be true, at some point the madness does end and the best part is?

You can help decide when it does.

Before you decided to run off and read the next blog on the list of “how to survive student debt” from the list Google has provided you, let me just explain my situation to see if you can relate.

“I worked 60 to 80 hours a week… just to survive.”

I’m 27 years old, I got my first job when I was 16. I was never provided anything and always taught that if I wanted something in life I had to work for it, so I did. I worked 60 to 80 hours a week at a minimum wage job for 5 years (from 16 to 21) while going to school just to survive and try to stay on top of life.

After a few years of community college and a couple job layoffs, I moved to the city that my University was located in, about an hour to two hours (depending on traffic) away from where my current job was. But I needed the money so I commuted to my job every day,  worked on homework when I could and busted my butt working 40 to 60 hours a week still. But the commute was costing me quite a bit in gas and maintenance, and as school got harder something had to give and when the company took a bad turn financially I got laid off. again.

At this point, I’ve already started to accrue student debt. I was halfway through my first year at a 4 year university with 50 hours of transferred credits that are now proving to be useless. I had no job and decided to buckle down and hit the books hard. I wanted to be done already!

“So, I do what most college kids my age do…I took out a Parent Plus Loan”

So, I do what most college kids my age do who don’t have much experience with the financial aid system and the lawyer jargon that follows it: I took out a Parent Plus Loan to cover (what I thought at the time) two years of living. I didn’t go out and spend it willy-nilly, but I used it to cover my rent, my motorcycle payment (which was my only form of transportation at the time), and my other living expenditures: bills, gas, food…you get the point.

OK! So needless to say it didn’t last 2 years like I had planned annnnddddd… I got in a motorcycle accident which set me back further financially. So summer of Junior year, going into Senior year I worked an internship and then picked up a student job to help limp the rest of the way through my college experience. I took out more student loans as I needed and ended up getting some help from FAFSA in the form of grants when I hit the age of 25 (no longer considered a depended of your parents-I’ll go into that in another blog).

I graduated with my degree and about $74,000 of student debt.

What. the. heck.

So here we are: 55k a year salary,74k in student debt, 10k car note

What do I do now?

I was lucky enough to land a job at the University that just destroyed my financial soul and thanks to the degree I got it paid decently.

So here we are:

  • 55k a year salary
  • 74k in student debt
  • 10k car note

What do I do now?

See? Not so different after all, or maybe you’re thinking you don’t have it as bad now. If you’re on the other end of that and have somehow managed to have it worse, let me know in the comments below. I would love to hear your story.

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