The government owns me.

Well It is the time I have been dreading since I took out my first college loan. I just made my first student loan payment. I am owned by the creditors! I owe them about 8 times more than I made last year alone granted I was student teaching and going to school for the first half of the year so I made nothing… I am in the process of trying to lower my payments we will see what happens with that.There is so much red tape around college loans it is ridiculous. I am surprised I haven’t been asked for a urine sample and a blood test. They seem to know every detail of my life.

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I just applied to grad school (everything is officially in and I am just waiting for a response) I also submitted my FAFSA since I am obviously a broke post grad and can not even think about paying for school. I am basically forcing myself into more debt so I can put off paying the debt I already have. (YAY deferment!)

I wish I was handed a stack of money at graduation instead of a piece of paper that is proving to be completely useless right now… I also wish I had a money tree growing in the backyard…

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Post Grad Struggles

Well, where do I begin? I graduated college in May 2013 with a B.S. In Childhood and Early Childhood Education and a concentration in English. After 5 amazing years of living in the most amazing little town in the world (New Paltz, NY) I packed my bags and moved back home to live with mom.

When I went away to school everything was very different. I left my Mom, Dad, and 2 sisters at home. My parents got divorced while I was in college. It was the best thing to happen to the girls of my family! My Dad is a horrible person and I will leave it at that. When I moved back after graduation I moved into a nut house.  My uncle is going through a divorce so he moved in.He has 2 young sons and they stay with us every other weekend. My sister and her now husband lived with us! She was pregnant when I moved home. (HOLY HORMONES!)–as if we did not fight enough before pregnancy.  And then there was my mom and youngest sister. My house was NUTS and still is. My sister and her husband moved out but there are still way too many people in this house!

I had been applying to jobs for months before I moved home with no luck. No one wanted me I was either over qualified or under qualified for everything. Luckily I am still covered by my mom’s health insurance for 2 more years. I have turned to being a Nanny to my 6 month old niece. I watch her at my house five days a week. I am not making nearly enough money but at least I have a form of income.

Having a teaching degree in New York right now seems like a waste of my time. There is not a single job out there. I just keep reminding myself to keep my head up and hope that the economy turns around soon!

While I wait for a job  I have to find something to cover expenses. My college loans cost me about $500 a month because I paid for college entirely on my own. (Working on lowering the payments currently) That does not include any other expenses and does not leave me much in the way of a savings. My social life is almost non existent because of this lack of money but I am okay with that.  I still get out often enough to see my friends and enjoy being a 20-something Everything will turn around soon enough.

I have to remind myself it could be worse. I am lucky. I have an awesome family. They support me. I realize how lucky I am and I dont know how I would do this without them.