God I hate not having money.
I NEED to go back to college in January. I know we won't have money if my financial aid doesn't kick in and I'm FREAKING OUT! Okay, I finally got EVERYTHING done for financial aid stuff BUT it was so late by the time I figured that shit out that I'm afraid I won't be awarded money to pay for college in January. Registration is January 5th so money is due then as well.
I CAN'T miss another semester. I just can't. My GOAL is getting back into school and getting a part-time job. The only other option is skip ANOTHER semester (aka, an ENTIRE. YEAR!) and get a full-time job. Idk how the fuck I'll get a full-time job and I don't WANT to, I want to go back to college damn it, but we don't have money, we REALLY won't have money that soon after Christmas.
I've been CONSIDERING a student loan. It won't be for much so I'm not fully digging myself into a hole, but I REALLY don't want to have to do this. I think it may be the only option because I NEED to go back to school, but I just really worry because seriously... I'm REALLY BIG on the 'never spend money you don't have' and I don't even have a JOB! And people are all either 'student loans are great, you don't have to pay them off till you graduate!' or like my mom 'you HAVE to pay it, there is no chance of getting out of it' and I don't agree with either.
First off, mother, I DO NOT PLAN ON BEING A DUMBASS LIKE YOU GUYS! I'm not going to need that option unless something goes HORRIBLY wrong like I get some terminal illness or some shit because unlike she and my dad who spent most of the 90s paying off one credit card with another, I'm not financially stupid. Yes, shit happens, but you don't get to the point of being up to your eyeballs in debt like my parents if you make good financial decisions from the get go. It's just a fact.
And for another, I don't WANT to delay paying off a loan! I know NOTHING about these fucking direct student loans other than the fact you start paying when you graduate and have ten years to pay it off... is there an option to start paying it off while you're still in school?! It's a small loan, it won't take long at all to pay it off, but I don't want to graduate and hear 'congratulations, you are now officially $2,000 in debt, hope you get a job REAL fast!' you know?
GRRRRR I don't want to take out a loan without having a job. I just don't. At all. Student or otherwise, a loan when you don't have a job is like financial suicide. BUT it's useless to try and get a job if I won't be going to school.
The problem with a minimum wage part time job is that unless by some miracle I get a job where I only have to work a few days a week but a LOT of hours each day, I can't afford the fuel to go TO WORK and back compared to the paycheck I would get for it. However, if I'm in town anyways as I will be for college, then it's not a problem. I have a friend who, I shit you not, sometimes gets called in to work for TWO. HOURS.... two hours at minimum wage?! Seriously?! It takes me $30 every trip to town and back... you can't spend $30 to make $15(BEFORE TAXES), you just CANT! And it isn't like she didn't TELL THEM that she can't do that, she let them know when she started what her working hours could and couldn't be, but they call her in anyways and she doesn't want to get fired. I literally couldn't do that. BUT if I'm in town for college, my parents would pay for my gas so it wouldn't be a problem. SURE it's unfair to my parents, but they're the ones who made this suggestion. My parents are all about my education and shit, you know?
FUUUUUUUUUUUCK *pout*
All this shit is stressing me out. I NEED to go back to school. Last night breathdeep222 was asking me questions about her research paper and I had the horrifying realization that I would've given anything to be writing my own paper for class and NOBODY likes writing papers... citation is the most evil thing in the world!
I MISS HOMEWORK! *cries* I just want to fucking learn, you know? My degrees aren't even a guaranteed future like nursing or some shit would be, I just want to LEARN!
I CAN'T miss another semester. I just can't. My GOAL is getting back into school and getting a part-time job. The only other option is skip ANOTHER semester (aka, an ENTIRE. YEAR!) and get a full-time job. Idk how the fuck I'll get a full-time job and I don't WANT to, I want to go back to college damn it, but we don't have money, we REALLY won't have money that soon after Christmas.
I've been CONSIDERING a student loan. It won't be for much so I'm not fully digging myself into a hole, but I REALLY don't want to have to do this. I think it may be the only option because I NEED to go back to school, but I just really worry because seriously... I'm REALLY BIG on the 'never spend money you don't have' and I don't even have a JOB! And people are all either 'student loans are great, you don't have to pay them off till you graduate!' or like my mom 'you HAVE to pay it, there is no chance of getting out of it' and I don't agree with either.
First off, mother, I DO NOT PLAN ON BEING A DUMBASS LIKE YOU GUYS! I'm not going to need that option unless something goes HORRIBLY wrong like I get some terminal illness or some shit because unlike she and my dad who spent most of the 90s paying off one credit card with another, I'm not financially stupid. Yes, shit happens, but you don't get to the point of being up to your eyeballs in debt like my parents if you make good financial decisions from the get go. It's just a fact.
And for another, I don't WANT to delay paying off a loan! I know NOTHING about these fucking direct student loans other than the fact you start paying when you graduate and have ten years to pay it off... is there an option to start paying it off while you're still in school?! It's a small loan, it won't take long at all to pay it off, but I don't want to graduate and hear 'congratulations, you are now officially $2,000 in debt, hope you get a job REAL fast!' you know?
GRRRRR I don't want to take out a loan without having a job. I just don't. At all. Student or otherwise, a loan when you don't have a job is like financial suicide. BUT it's useless to try and get a job if I won't be going to school.
The problem with a minimum wage part time job is that unless by some miracle I get a job where I only have to work a few days a week but a LOT of hours each day, I can't afford the fuel to go TO WORK and back compared to the paycheck I would get for it. However, if I'm in town anyways as I will be for college, then it's not a problem. I have a friend who, I shit you not, sometimes gets called in to work for TWO. HOURS.... two hours at minimum wage?! Seriously?! It takes me $30 every trip to town and back... you can't spend $30 to make $15(BEFORE TAXES), you just CANT! And it isn't like she didn't TELL THEM that she can't do that, she let them know when she started what her working hours could and couldn't be, but they call her in anyways and she doesn't want to get fired. I literally couldn't do that. BUT if I'm in town for college, my parents would pay for my gas so it wouldn't be a problem. SURE it's unfair to my parents, but they're the ones who made this suggestion. My parents are all about my education and shit, you know?
FUUUUUUUUUUUCK *pout*
All this shit is stressing me out. I NEED to go back to school. Last night breathdeep222 was asking me questions about her research paper and I had the horrifying realization that I would've given anything to be writing my own paper for class and NOBODY likes writing papers... citation is the most evil thing in the world!
I MISS HOMEWORK! *cries* I just want to fucking learn, you know? My degrees aren't even a guaranteed future like nursing or some shit would be, I just want to LEARN!