I am a 23-year-old, single mother of one and I am going through a very transitional period in my life. I was recently offered a job in another state and I decided to take a leap of faith and go. I have not begun working yet because of the coronavirus epidemic that has caused many shutdowns and the waiting process has been hard for me with all of the responsibilities and dues that I have. Outside of being a mother, I am also a full-time college student. Balancing motherhood, school, and trying to work has been challenging for me. There was a period of my life where I was not working in order to focus on school and spending time with my son considering the way that work had been consuming me and ultimately taking away time from being with my son and causing hindrances to the completion of my schoolwork. As a means to remain established financially and pay the bills, I began to take out numerous loans through loan companies. As a result of this, I became deeply indebted with numerous dues that I’ve had a hard time paying off. Outside of having $33,464 worth of student loan debt, I am also swimming in roughly around $10,000 worth of personal loan debt. Considering my financial hardship, I have been unable to pay these loans off and my life is now consumed by debt. I took this job in a different state to not only pursue my passion and love for God and ministry in full, but also to increase my chances at prosperity in order to ensure that my son and I have a financially secure and stable future. I have been trying to pay off my dues, however, with all of the financial responsibilities and burdens that I have; it has been a challenge and nearly impossible for me to pay my due diligence in every regard. I have rent, an electricity bill, a water bill, a car payment, a car insurance payment, daycare costs, and many more monthly dues that I am barely able to afford as it is. I am in over my head and need help getting out of this deep debt not only just for my sake, but also my son’s. I am so deeply indebted that I have been thinking heavily about filing for bankruptcy. I am not exactly sure what the process entails or the effects that it will have on my future, but I don’t know what else to do. The thought of having to file for bankruptcy at 23 years old is saddening and I am hoping that it doesn’t have to come to that. I am asking that if anyone has the means to help me get out of this deep debt that I am in or are at least able to help me to pay something towards it, please help me… Anything would help! I am extremely desperate and in need of assistance. I have tried almost everything to work towards my financial freedom but until I get out of this burdening debt, it seems to be nearly impossible. I am months behind on my loan payments and some of the companies have gotten to the point of threatening legal action. I want more than anything to pay my debts off and be in a good standing financially, finally being able to live debt free. I thank you sincerely for reading this post and I ask that you please take my request into consideration.
My PayPal is, PayPal.Me/imanileshai
Again, thank you kindly!