Hello all,

I’m going to be very honest and as straightforward as I can be. I need $30,000 to help me get back on track in my life. I want to preface this with: I’m not using anything that happened in my past as an excuse for me ending up where I am financially today. I understand that I’ve made bad choices over the years. Anyway, I guess you could say it started several years ago when my mother died.

After she passed away, I went into a deep depression for the next 5 years. During that time, I went to school and got a master’s degree in a field that doesn’t have many jobs. Also during that time, I dated a woman who I ended up moving with to a state very far away from where I was. At that point, I was drinking every day. Between 4 and 8 drinks a day. There were many times that I don’t remember and many times I cried from the loss of my mom. I did not cope well.

My ex broke up with me as I continued to spiral. At that point, I had  had a decision to make in December of 2016. Either stay in the state far away and look for a job or go back to my home state and try my luck there. I decided that my lease was up in May, so why not try looking for jobs. Side note, I was becoming more and more in debt during all these years because of my gross alcohol problems. I found a job at a place I love. The work I did there inspired me.

It inspired me so much, that I went back to school to become a special education teacher. I took classes full time, worked full time, and continued to drink. It was a very hard time in my life as I continued to struggle through all of it. I had my dad’s help, luckily. He helped with financial things that he could but my debt continued to mount. Anyway, I finally finished the program and student teaching in December 2019.

I am a teacher now. I love it and I love the students I work with. Also, I don’t drink anymore. I stopped November 29, 2019. I’ve had maybe 4-6 drinks TOTAL since then as I write this in May of 2020. I couldn’t be more proud of myself for all I’ve finally been able to do…but I know there is still tons left for me to do.

Currently, I am in a lot of credit card and personal loan debt. I’m hoping for some help paying this off because I have student loans that will be kicking in within the next few months. I live paycheck to paycheck and just wish I could save money for the future. Honestly, I’m desperate and I’m just at the point of either filing for bankruptcy or trying to get a second job. If you’ve read this far, thanks for giving me that time.

Take care,

Julian

ps. the image is of my girlfriend and my cat.

https://www.paypal.me/julian31s

I’m asking for some help paying my student loans. I attended SNHU and studied psychology and have hopes of going back to school to earn my MS in sport psychology. While I am grateful to have had the opportunity to attend college, it is rather expensive. While scholarships and grants were able to help, it was not enough to cover everything. I currently work full time and between loans and everything else (medical, car payments, vet, etc.) it would be great to have some help paying the largest bill I currently have.

I am turning to you for assistance in completing my degree in Psychology. I attended Argosy University beginning back in 2013. Believe me, getting in was no easy feat. When I initially applied I was informed that the high school diploma that I received from Cosmopolitan Prep in 1981 was invalid which I thought was crazy since I joined the Navy in November of 1982.

Anyway, I had to obtain my GED which I did in two days ( I went straight to the test since I knew what I knew.) and was granted admission to the university immediately after providing the document of successful completion. Being older than my peers I chose to do my courses as an online student. I did have access to the Chicago campus which I used frequently and made many friends. 

I chose online because I needed to take care of my adopted son Michael who suffers from diminished mental capacity, doing classes on-line allowed for more time flexibility. Not long after starting I suffered my first heart attack. I was a full-time student with a full load of classes. I had passed the time frame to drop my classes so I received four incompletes. This meant I had to start again which I did, I was able to complete this round of classes but as fate would have it I suffered my second heart attack so again I had to stop my classes. This depressed me to no end, still, I did not give up. When I was able, I went back to school again. During this time I am seeing my cardiologist and on one visit I was informed that my heart was working at less than fifty percent with mitral valve prolapse, which lead to an ablation procedure. So again I had to stop classes and afterward again I went back to school. Finally, as you can see in the photo, in August of twenty-seventeen I received my Associate of Arts in Psychology. Not long after I found out that Argosy University would be closing its doors.

I was proud of myself for completing this phase of my education but I needed more in order to get a decent paying job in my chosen occupation.

Because I had dropped so many classes and had to do retakes, I depleted my available undergraduate loan allowance of $57,000. I am not getting any younger but I need (for myself) to finish what I have started.

I know the importance of education and I still have so much to give and due to my age I have not been able to get any steady position, however, I do know that with the proper credentials my prospects for employment would be greatly improved. I know that this is a time of crisis, so any form of assistance would be greatly appreciated. If you are interested I will keep you posted on my progress if you ask me.

Thank you in advance.

paypal.me/adarey

Hi everyone!

I’m asking for some help paying my students loans. I attended SNHU and studied psychology and have hopes of going back to school to earn my MS in sport psychology. While I am grateful to have had the opportunity to attend college, it is rather expensive. While scholarships and grants were able to help, it was not enough to cover everything. I currently work full time and between loans and everything else (medical, car payments, vet, etc.) it would be great to have some help paying the largest bill I currently have.

A little more about my current situation: I am 22 (turning 23 this March!). I work full time as a residential counselor at a treatment center. After taxes and benefits, I make about 500 dollars a week. I currently live at home with my parents which is a huge help since my rent is cheaper here than it would be anywhere else. I pay them 100 dollars a month. My dog has anxiety and paying for his medication is a monthly cost that most people don’t have. He is super cute though and I can post a photo for anyone who wants to smile today. After I graduated college, my car that had magically survived for as long as it did, unfortunately died and I had to say goodbye. My current car payment is 371 dollars and month and insurance payments are more on top of that. Factoring in travel to and from work I spend about 40 dollars on gas a week. Of course, there is my phone bill which is about 50 dollars a month. I spend about 150 dollars a month helping buy groceries. The last 150 dollars I have I use to go towards my student loans. The issue with using all of the money I make a month is that when emergencies happen or when I have to register my car, I immediately go into more debt since I have to use my credit card. I made enough money to live, but I can’t do anything else.

Whenever my friends ask if I want to go out with them to the movies, to grab drinks, to go get food, etc., I always have to say no. If I do decide to go out with friends because it is a birthday or something of that nature, then I know I will have to use my credit card and go further into debt. It is these problems that I am coming to you for help. Any amount is appreciated and I can provide further updates to show how much you are all helping me.

Thank you so much,

Rachael

paypal.me/rachaellt403

From the outside looking in, one might take me as a successful young professional. At the age of 27, I’ve managed to put myself through school, earn two degrees, live on my own, support myself financially, keep a job in education, and find time for myself occasionally. I’ve always been the type of person to set high goals for myself and work hard as hell to attain them, which I am extremely proud of. However, working hard and attaining these goals came at a high price…my happiness, mental and physical well-being, and about $110,000 of school debt.

I attended and graduated from my dream school in 2014. At the age of 22, and after financing a 40k yearly tuition in loans, I thought I had it all figured out. I would get a good paying job and pay the loans off immediately. Then I would be able to start living and truly enjoy my life. This idealistic approach seemed to be a great idea until life set in shortly after graduating.

I accepted a job in a high-needs Washington, D.C. school as a teaching fellow, where I pledged to do my part in closing the achievement gap that we see among students of color and/or from low socio-economic statuses. It was my first REAL job, with an actual salary, and quite honestly I was happy to even have a job lined up right after school. It was a plus that I landed a job in my field of choice and where I felt I could make a difference. However, living off of a starting teacher’s salary in the Washington, D.C area, while paying my portion of a 2k rent, ensuring that I had basic necessities, and paying my monthly loan bill became burdensome and next to impossible. I went days without eating, often times taking home the leftover student lunch before it was thrown away. There were many days, that I would drive to work with barely any gas in my car, hoping to have just enough to make it to work and back home. I was not even financially able to purchase work shoes that fit me properly. I believe that due to the stress that I’ve endured along with other factors, I eventually developed chronic health problems, that I still struggle with today. To top it all off I absolutely hated the politics of my job. Not only was it mentally taxing, I felt as though I was just unable to reach the students whom I served, and my circumstances only added to my frustration. I felt stuck in this never ending cycle of defeat and unhappiness, and suffered many internal battles alone.

So, at the end of the school year, I decided to do something about it. I successfully completed my teaching fellowship, earned my teaching credential, and then subsequently quit teaching. I told myself that I would NEVER teach again, even if it meant that I would be jobless and moneyless for sometime. And quite frankly, even if it meant that I wasted a year receiving training and education that I wouldn’t need, or so I thought… I ended up moving back home to my mother’s house in New York, to give myself some time to sort things out and hopefully find another job.

After a couple of months back at home, I found another job working for the U.S Army as a child care provider, because after all my passion is centered around working with children. The only thing was that the starting pay was a quarter of my last salary and I would have to move back to the DC area. At this time, I spent 2 months without a job and still had bills to pay. So I accepted the offer, moved back to the DC area, and decided to down size my living expenses by renting a room. Shortly after beginning my new position, the reality of it all settled in. I just wasn’t making enough money. So I went back to what was familiar and what I once told myself I would never do again, teaching. Never say never!

The second time around I absolutely fell in love with the field of education, my school, my coworkers, and most importantly my students. After two years of working as both a general and special education teacher at a charter school in Washington, D.C., I decided to go back to school to pursue my Masters in School Psychology. Working and going to school full-time, in addition to battling my newly developed heath issues was definitely tough. I found myself penny-pinching again to make ends meet and take care of myself, while trying to achieve this new goal. I received an overwhelming amount of support from my coworkers and school leaders, who did everything in their power to adjust my work schedule to fit my school schedule. This allowed me to continue working and earning my normal salary for as long as possible. I believe that God placed the right people in my life and afforded me certain opportunities, to pave a way for this woman that I was growing to be. To this day, I don’t believe that I would’ve been able to complete grad school, if it weren’t for these angels, and for that I am forever grateful.

In order to complete my masters program, I was eventually forced to quit my job and live off of my savings for a year. I recently graduated with my Masters degree and am now completing an internship in order to earn my certification, which is required in most states to practice as a school psychologist. Most internships in the field of school psychology do not pay a livable wage, if they pay anything at all. As you already know, I couldn’t afford to work for free and had already depleted all of my savings. So I decided to search for internships in places that I’ve never heard of and honestly had no desire to moving to, because it was my understanding that I had a better chance of landing a paid internship in these areas.

I am now living in a rural part of Wyoming, far from home and any familiarity. I have no family or friends here and as you can imagine, the way of life is polar opposite from what I am used to. Although this is not my ideal location to live, I had to make a tough decision focused solely on my ability to survive. The things you do for money and a debt-free life…

As a 27 year old woman, life has definitely had its challenges. The sacrifices that I have had to make up to this point have been daunting and weighing heavy on me, to the point where my mental and physical well being has suffered. However, I continue to believe that my personal journey through life is purposeful, and one day it will ALL make sense. After all of my accomplishments and what it took to achieve them, I would really love a chance to truly enjoy life without feeling like I’m running this never-ending rat race. I would love to be able to truly put my all into my new profession without obsessively worrying about the huge load of debt that I’ve attained throughout the years. I would love to finally be debt-free so that I can finally enjoy the fruits of my labor.

PayPal: PayPal.Me/neeshabey