I am hardly the posterboy for loans-- I took out WAY too many of them-- but you should be aware that they at least exist as an option. As a resource if things get harry. You know?
Yea, sadly things are indeed harry. hairy. gross. I was trying so hard to get through at least my first year loan-free. I've got several years of schooling ahead of me! And if I start taking out loans now, who knows what it'll be like by the time (if) I go to grad school! But, I don't see it continuing this way. My expenses are nearly twice my income at this point. It's out of hand, and sacrificing fancy dinners & pretty gadgets is one thing! But, when it comes down to seriously inconveniencing my boyfriend & sacrificing family holiday--pretty fucking crushing.
When people talk about the burden of servicing student loan debt, they're never talking about loans for CUNY tuition. You'll finish out a fully debt financed CUNY degree owing less than an NYU student does for their first semester.
I know that you aren't yet considered a NY State resident and all that, but, for what it's worth: it seems to me that loans are way more manageable after the fact than tuition is... during the fact? I don't know what your current tuition is like, but as far as tuition goes, it's pretty cheap, yeah? Even if you are currently out of state? (Which is a thing that can change, with the right red-tape-maneuvering?) Your loan-debt probably won't be that bad, all things considered.
Take that with a grain of salt, though -- I'm pretty sure I'm only barely paying off interest each month, and not actually making a dent in my loan. :P but all that will change when I have a ~real job~, I'm sure!
Anyway, point is: maybe having extra bills in the future (when you can have a full-time job) is better than floundering now, is what I'm saying. but either way, I'm sorry that it's coming down to hard decisions for you, that's no fun. :(
I wish! My parents are actually in a worse financial situation than I am right now. As it turns out, when both of your parents work in real estate during an economic collapse, shit gets bad!
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hairy. gross.
I was trying so hard to get through at least my first year loan-free. I've got several years of schooling ahead of me! And if I start taking out loans now, who knows what it'll be like by the time (if) I go to grad school! But, I don't see it continuing this way. My expenses are nearly twice my income at this point. It's out of hand, and sacrificing fancy dinners & pretty gadgets is one thing! But, when it comes down to seriously inconveniencing my boyfriend & sacrificing family holiday--pretty fucking crushing.
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Take that with a grain of salt, though -- I'm pretty sure I'm only barely paying off interest each month, and not actually making a dent in my loan. :P but all that will change when I have a ~real job~, I'm sure!
Anyway, point is: maybe having extra bills in the future (when you can have a full-time job) is better than floundering now, is what I'm saying. but either way, I'm sorry that it's coming down to hard decisions for you, that's no fun. :(
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My parents are actually in a worse financial situation than I am right now. As it turns out, when both of your parents work in real estate during an economic collapse, shit gets bad!
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