Monday, August 10, 2015

Just Malanb - My student loans are killing me

I am a part of the student loan debt generation. My debt right now is about $68,000! Yeah about $38,000 in federal loans and the rest in private loans. I am at a job that barely pays me 31,000 a year. I am trying to transition to a job that will not only make me happier but help me build wealth.

I have to phone bill( I have Metro PCS! No iPhone or samsung galaxy), commuters cost ( a bus pass, a metro card who has charged me twice on several occasions), a water bill, a gas bill, cable (yes, I need cable in order to have the Internet to work on my blogs, look for a better job, sell some of my clothes to make ends meet, my husbands blogs. and build my brand), my husbands medical bills ( with a husband with a rare lymphoma , this will be a common occurrence), groceries, and other bills I can not even remember. 

I am constantly stressed out and unhappy over this debt hanging over me. Now I get a call that this loan collection is spreading my debt information to others and asking about my contact information. When was this practice even legal to do? I am so overwhelm. These student loans has destroyed my credit, which may be a factor of me getting a better job. 

I don't know what to do. How can I stay at a job that I hate to pay a debt that seems like it will never going away. I can't afford to leave this job but mentally I can't afford to stay. I do not make enough at this job to pay over $400 a month pay this student loan debt off. I don't have any other debt but this. No credit cards. I am not spending crazy amounts of money. I borwn bag my lunch. When I do it is few and far in between. I even try to help out family memebers with the loose cash that I do have.

 My student loans are killing me.  The worst part about this is that I didn't graduate from college because I had a mental breakdown. I have a debt of almost $70,000 and I don't have a degree to show for it. My PTSD and depression became worst the longer I was in school. I would have anxiety attacks and breakdowns behind closed doors for 4 years. At the begininng of my 4th year, I could take it anymore. I had to leave with my sanity. I also left with a pile of debt. I tried several colleges but none of them work. I did graduate from one place but the degree is not even worth the paper it was written on. 

So now I am stuck. I have a huge student loan debt. I am at a job that is toxic and want to leave. I am trying to build a brand and a business but I can not stay at this job. If I leave this job...which I have a feeling I need to do sooner rather than later, I will be so broke. Broke = not be able to do anything including blogging and working on my craft. 

So what can I  do when this debt is killing my entrepreneurial goals

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