Hi. My name is Taylor and I am currently in university, studying communications. I am working hard to make this experience the best one of my life, but I can’t seem to shake all the debt that I have accumulated. I am currently working two part time jobs on top of going to school, but even they do not make ends meet. Rent, Credit card, utilities, phone bill. Everything is piling up and I am drowning in my debt. I don’t think I will be able to come up with this month’s rent because of the other bills and lack of funds that I have.
With my two jobs, I am working 35+ hours a week (minimum wage), I am in class 15 hours a week and the rest of the time I am studying to keep my grades up. The amount of debt that I have accumulated is causing me extreme levels of stress and my grades are suffering as a result. To break down my various bill payments this month, I have rent at $600, utilities which are usually around $150, phone bill $95, credit card sitting at $3,000 (which is down from what I paid for tuition). I am doing my best to pay down my debts as well as pay off my bills, but it is not working right now. If I put most of my pay on my credit card, the interest doesn’t affect it, but if I use my pay to make rent, my phone bill and utilities then I am unable to put enough on my credit card debt to counteract the interest rates.
I have recently looked into getting a third job for the month of December when I am on break from school, so hopefully that helps somewhat, but right now I am struggling and the third job wont be able to help me make this month’s rent.
I am optimistic that the people of the world are in a giving mood this holiday season and are able to help me out. I would not basking for help if I did not need it the most. I have waited longer than I should have to reach out to someone and now I am in trouble. I am begging for any help that you could offer. I am in dire need of some sort of assistance and anything would help me.