I’m a first generation high school and college graduate. I don’t have family to support or help me when I am struggling. I am the one that helps my family and friends when they are struggling to make ends meet. Now, I have over 30K in student loan debt on top of 25K in credit card debt. I was an independent student in college and had to keep a full time job while also going to school full time and paying for it on my own. My little brother came to live with me last year which led to the increase in credit card debt. It was hard becoming an over night parent and having to support him and myself on one salary which I wasn’t used to.
When he came to live with me, I was living in a tiny one bedroom apartment with my dog. I ended up having to pay to break my lease, pay a new deposit, and pay to move into a two bedroom apartment. I also had to furnish his bedroom, buy new clothes, school supplies, etc. Essentially, everything for him to live. Having him in sports and trying to do activities with him at least once a month took it’s toll. Buying food for a pre-teen isn’t easy. Making sure we had enough food plus money to pay bills was a struggle. I continued to charge items to my credit cards thinking it wouldn’t be a big deal and I could pay it off later.
Then I had to switch jobs and I took a significant pay cut. I haven’t been able to pay bills off or enough toward credit cards to make a difference. My debt and expenses continue to grow while my salary stays the same. I have cut every expense possible and it still hasn’t made a huge impact to where I can cut off some of this debt. My cards are about to be maxed out and soon I won’t be able to charge necessities to them and support us. I have used them to support us in everyday life with buying groceries, getting gas, etc. I really need support in paying off some of my credit card debt so that I can adequately support my brother and I.
I’m not someone who asks for money or help often but I need it and I have no one else to ask. Anything you give can help. Thank you in advance for your support.
https://paypal.me/mskretz?country.x=US&locale.x=en_US