Comments | sinnamongirl: Tuesday: LJ Idol Week 1: I need the struggle to feel alive.

sinnamongirl

Tuesday: LJ Idol Week 1: I need the struggle to feel alive.

Nov 22, 2016 18:41

I once paid off a student loan. Well, twice, but one of those times I used a student loan to pay off another student loan, so I only count it as once. Do you have student loans? Maybe a car loan, a mortgage, a credit card?* There's nothing quite like paying out your, say, $150 a month, all proudly, then checking the balance and realizing $95 of ( Read more... )

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Comments 18

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sinnamongirl November 28 2016, 22:06:45 UTC

thank you :)

tonithegreat November 23 2016, 04:30:46 UTC

Brutally honest and also quite relatable! This is a bit of a downer topic, I suppose. But I feel some of your struggle pain for sure. Unless I make serious changes, I'll pay off my law degree right before I pay off my house. Blech. As a government attorney, I'm eligible to have my loans forgiven. But only if I repay them for seven years, while maintaining my job with the government, at a rate I can't afford with this salary. It's maddening.

sinnamongirl November 28 2016, 22:09:13 UTC

It sucks because it's true that if I'm not stressed out, I think something is wrong with life... but I hear you about the law loan situation - I was in the social work field for a bit (lowest level, but still counted), and that helped me pay off one of my first little loans back in the day. I held on to that job for as long as it took to start qualifying and have it forgiven, which also meant I was scraping by but felt it was worth it to not have that loan anymore.... despite that job stealing my soul. It's a vicious cycle; I hope you either get a random and huge raise or can stick it out or do what it takes to fix the situation :) I don't know what the best "good luck" wish for that situation is.

lilmissmagic71 November 23 2016, 07:00:02 UTC

Oh love-strange! I wish you tons of that... I have that and it's WAY cool... 28 years and counting. :)

Good entry!

sinnamongirl November 28 2016, 22:10:03 UTC

Thank you, and congratulations on your 28 years! I'm... currently sort of freaking out actually. Mike is starting to say things like "whatever will make you happy," and I'm like OH MY GOD BUT WHAT IF IT DOESN'T MAKE YOU HAPPY AND THEN YOU RESENT ME FOREVER?!?!

I'm not sure I understand love, is the problem. Oh well. Thanks for reading!

interfaceleader November 23 2016, 07:00:12 UTC

Student loans are one of those things that -- we get them when we are too young to really understand or appreciate HOW MUCH MONEY it really is, or how interest works or ~anything~ and then it ends up being something that affects us for the rest of our life!

Your neighbour sounds wise -- I don't think it's *always* true, but certainly in new relationships the good and the easy should FAR outweigh the difficult.

sinnamongirl November 28 2016, 22:13:44 UTC

I almost feel it's this weird... not scam... but for me, my dad specifically basically did all the paperwork. I hadn't much wanted to go to college, so he talked me into it in the first place, and part of that was "making sure it got paid for no matter what" which turns out to be "sign your name here and here to get your $30k of student loans!" Luckily I got a lot of scholarships; I paid for books and sundries out of pocket, so in a sense, that first $30k was necessary, but... yeah. I was 18. I'd never had a credit card. I had no idea how much the loan total would end up being, how the repayment worked, anything. Then of course I went to grad school a bit and signed up fully knowing what a shitfest it was but doing it anyway ;) So that second half of the debt is all on me!

That neighbor was very kind and wise; I miss her. I do agree that some amount of work is necessary in life, but if it feels like you're beating your head against a wall in a relationship, a new one especially, best to reevaluate the situation and why you're there.

adoptedwriter November 23 2016, 17:17:35 UTC

College debt is ridiculous and only seems to get worse.
My daughter recently had to assume a car loan. (Her original car was totaled in a hit-and-run. (Other driver had no insurance.) Geiko was very fair in pricing out the worth of her "tin can", so she had a decent downpayment for her new car, but still...the new loan was not something she'd planned on. At least she got the new car she wanted.

sinnamongirl November 28 2016, 22:17:33 UTC

I'm sorry to hear that about her car; I hope she was okay in the accident? In Oregon, a driver is required to carry insurance - though not everybody does, at least it makes it somewhat better if you DO get in a car accident, because you're generally assuming the other person has insurance as well ( ... )

adoptedwriter November 29 2016, 01:49:47 UTC

Not sure if she has that on the newer car, but possibly. Luckily she, her hub and friends were nowhere near the car when it was totaled. It was parked at the train station, and they were in Chicago for a long weekend.Ohio has the same law re having insurance. This other driver had no license, no insurance and claimed to be "borrowing" a car b/c she did not have a car of her own. : P