My name is Ronan and as you can see, I’m struggling. I don’t like to ask for things, but I’ve found myself in “last resort” mode. I’m 26, graduated from nursing school in 2016. To my surprise, a year or so after I’d graduated, my mother brought to my attention that I was 121k in debt in student loans she’d taken out in my name. I immediately did some digging. Come to find out, after my multiple scholarships, school should have only costed about 30k. So where is the rest? My mom’s answer: “I don’t know.” I give a call to Sallie Mae. (Yes, it’s a private loan so I have no chance of loan forgiveness.) The associate I spoke with at Sallie Mae says, there’s “no way” my mom would have been able to take out more money than what my school costed. Next… I do some legal searching. Turns out, I’m 100% on the hook for this money because I can’t prove in a court room that I didn’t benefit from the loan in any way. Obviously, I went to school and graduated on 1/4 of the money. I’ve consolidated the loans for lower interest rates. I pay the same amount per month on my loan as I do for rent. I have no wiggle room after bills. Barely able to put 5 bucks in for savings a month. I’m stretched so thin, I’m pulling my hair out. Apparently that’s a thing. Trichotillomania.
So here I am, doing everything in my power to be as successful a man as I can. I pictured myself in graduate school by now, but I can’t go back to school with this kind of debt looming over me. Yes, I know my BIG MISTAKE was trusting my mother with my finances at the WISE age of 18 as a freshman in college. I know I’ll never make another mistake like it. I just hope that you all might find it in your hearts to help me out so I can move forward with my life and start working toward my goals again. This debt has put a big halt in my career and education advancement. Thank you so much in advance for supporting me. I will not let you down.