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Hi –

I’m writing on this site in hopes that one day someone will come along and help me.  This, like all stories worth telling, is about a girl.  I spent the better parts of my 20’s & 30’s being with someone who took advantage of my kindness, empathy & willingness to help others.  She was going to school to get her degree, I was working full time and we talked about her going to school full time and I’d take care of the bills.  Well, full time eventually turned into part time, turned into 1 class, turned into no school at all.  In & out of school and changing majors over a number of years, I supported her during this time because I know what it’s like to change majors.  I was an art major, communications major, journalism, maybe 1 more I can’t recall, that was in the early 00’s and I gave up school during that time to work full time and provide a stable environment for us to live in.

I tried talking to her, numerous times.  Since she wasn’t going to school full time, or, not at all, I figured it would be a good time to get a part time job, maybe get her out of our tiny fishbowl apartment for a few hours a week, gain some perspective, Idk.  She’d toil away in that tiny apartment, day after day, week after week, filled with anxiety about the future and eventually we both resented together.

It was in these years that I was also going to school and applying for the maximum amount of aid, every semester.  I didn’t just need the money for school, I needed it to support us living together, her not working, and also her education.  She couldn’t obtain loans anymore due to her poor attendance in school.  This went on for a number of years, I’d take out loans I didn’t need to support a lifestyle for us both.  We eventually resented each other so much and fell out of love with one another a few years ago and went our separate ways.

I got myself into this mess, I know what I did.  I lied to her, and myself, by saying I could financially support her, when in fact I couldn’t.  I borrowed the money, time and time again.  She doesn’t owe me anything and I’ll never ask her for a cent.  We went our separate ways and we never talk anymore; all those feelings are in the past.  Unfortunately, I took out $85,000 in student loans and they’ve been accruing interest over the years because I can barely stay ahead anymore.

In summary, I took out multiple student loans to support a lifestyle between my partner and I, to keep her with me, because I couldn’t bear the thought of a life without her, and now that we’re not together anymore, I can’t believe I did any of it and I’m asking a kind stranger to help donate to my relief.  I understand this request is not the most heartbreaking and it could even be categorized as a ‘first world’ problem, but it’s my own personal cross I’ve come to bear and everyone has their demons, this is mine.

I am a 20 year active duty AF vet who has always been good with money. Recently I made some bad moves that have cost me in a bad way. I’m now drowning. My bills are stacking, I have a bad car loan that is costing me big time and 4 kids to support. I am working at it slowly but am asking for help to at least get some air. This is the first time I’ve been in this situation. I really appreciate anyone who can help me and my family out somewhat out of this painful situation. I also make a promise that when I get to a place where I can help, that I will pay it forward.

PayPal.me/bhansen234

Hey, thank you for taking time to read this.

 

Have you ever felt that your worth is less alive than dead?

 

I am not suicidal, understand that, but I do have depression and that thought has haunted me for years. It is a bit melodramatic, but it is the truth. I thought I would be in an entirely different place in this world at this point, as most, but I am in a position I am helping a parent and I can barely take care of myself.

 

College life was fun for me years ago, but I grew up poor with no one paying for my college. To try and be different, to try to make something of myself, I decided to go to college and took out loans for my education believing that once I graduated that I would be able to successfully begin to pay them back while working in my field. Sadly, the year I was to graduate school, the 2008 recession started and I ended up hospitalized for two weeks with a severe lung condition that almost killed me. With that “hiccup” out of the way, I believed I could spend the summer ameliorating and then get the last few hours done in the fall. Instead, my mother had a severe stroke while my step-father was going through a rough time with his ankylosing spondylitis.

 

When he passed a few years later from complications from the condition, he left my mother with nothing after accidentally (from what we can tell) cancelling his life insurance plan instead of just the supplemental. I moved in with her to help her out, but I was having issues finding and keeping work that would be enough to pay for anything.

 

Sadly, a few a few years after that, being drained and barely able to pay my own bills, we lost our home and have been bouncing around rentals that really aren’t the best, but they are roofs over our head so that is what is matters, but even that is starting to get threatened.

 

In the time I have attempted to get back on my feet, I have lost my car, been in an accident, have health issues starting to build up myself (definitely more manageable), been through jobs, and been stolen from an ex that I mistakenly took in to help that had no intention to reciprocate.

 

 

My student loans have built up to almost 3x the amount that I took out. Anytime I would get behind and deal with being threatened and them “threatening” my sister, who was my co-signer, they would sell my loans to another company and I’d have to start negotiations all over again.

 

This new company is looking for only 30% of what the new total is at just under $50,000.00. I realize that this is a lot for anyone. That in this time of need that has hit our country that it is unreasonable to think that this could happen, but I am takin a shot in the dark and hoping to God, that maybe someone who has the ability to help can.

 

Whatever amount you can help with will help, believe me. It would help me get to $0 and help me get to a spot I can take care of my mother. These loans have haunted me. While I have a job where my pay has been cut and frozen, they do give us life insurance. It has haunted me, that feeling that I am worth more dead, in the fact that if I passed it could pay off everything and have enough left to take care of my mother or help take care of her for a time while I feel like a leech.

 

Again, it never hurts to ask, but it would take the pressure off my sister, myself and my mother. I am willing to do whatever I can to help them where I can.

 

Whatever you can give will help.

Thanks again for reading my story.

 

MGP

 

https://www.paypal.com/paypalme/MGP1984

When I was 21 I lost my mom to cancer. My dad was never in my life growing up. I was in college and definitely felt like I didn’t know where I was heading or what I wanted to do, so I ended up changing majors a few times. Ultimately, I found a great job that has helped me establish a new life for myself, but I still am dealing with the repercussions of not having a solid foundation as a starting point in my adult life. My students loans take away a large chunk of what I make.

Fast forward, I am now married and my wife and I recently found out that we are pregnant with our first child. I want to build a strong foundation unlike the one I had growing up. My student debt is a burden I would like to put behind me but I am still decades away from making that a reality. I am not desperate, but I still wanted to give this a shot because being able to erase the student loan debt I have would undoubtedly support my goal of being able to provide everything I possibly can to our child.
Anything helps and will go towards my goal of eliminating debt for the purpose of being able to use those extra funds to raise a strong, healthy and happy family.

I genuinely appreciate anyone who can help in any way.

paypal.me/jamesnelson039

I was accepted into a program that will take me only 2years to complete entirely online. Health Information Management. I was just told I do not qualify for student loans anymore due to my bachelors degree I received from the University of Oregon. My husband is our only provider, I am also pregnant and am trying all that I can to simply survive. If I can’t afford my program I will have to drop out of school and then student loans will begin knocking at my door for 1000.00/month. As everyone is suffering from COVID right now, 1000.00 is just not doable. I also am paying for the parent plus loan my mother took out (otherwise my bachelors degree would have been non existent) she does not have the means to pay that back. At this point I have the feeling of if I die, then the loans will just go-away rather than having to worry about not having a job with ample funds to pay it back. I had a crap school counselor that told me to not even think about college. Never spoke to me even about doing my first two years at a community college. In spite I got into the UofO (great school) but my only options were student Loans and asking my parents to take out the plus loan. My senior year, I lost my first child. I finished school but we never truly recovered (does anyone?) Since then my husband and me have been simply surviving, never able to get above our debt. My husband lost his job in 2014 and I became out sole provider making just 18.00/ hour in California, we got into debt to stay afloat, insecure loans, payday loans, etc. Then he got a job and was let go just two years later. We moved to Washington for better opportunities but with 2 kids and moving states my husband jobs made him travel. One month we’d see him for a week or two then he’d be gone for a month or two months, then back for a week, then gone again. He was making about 1400 a paycheck which only covered rent. We have always been just barely surviving. We are asking for assistance for the looming student loan debt about 85000.00 or any portion towards that to just lift the burden, hopefully propel us over this hill of endless robbing Peter to pay Paul. With a baby on the way even if we file bankruptcy we can’t get ride of the student debt, and I would leave my mother to pay for the 25000 she took out for me to go to school which I know she will not be able to afford. We are drowning in a swap filled with Piranhas waiting to smell the first drop of blood. I am just pleading literally begging for help.

 

paypal.me/EscamillaFamily4

As you are reading my story, please understand that I am not here because I messed up my life or because of unfortunate circumstances. I have worked extremely hard throughout my entire life to not be a victim of circumstance. I am simply hoping that you might remember how demanding life was for you in your early-twenties and that you might feel compelled to help me along in my journey.

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At the age of 17 I was accepted into the college and program of my dreams, unfortunately I had no way to pay for it. I worked 2 – 3 jobs throughout my time in college, working overnight shifts, going to class, and sleeping in the afternoons. It was extremely challenging and forced me to become extremely good at managing my time. I was able to put myself through school, graduate in 3 years (at the age of 21) and begin my dream job in a promising career within 2 months of graduation.

I started working on February 13, 2020. As you already know about 30 days later, COVID-19 hit an shut down the world. Luckily, I am considered an essential worker and have been able to continue working throughout this time. Unfortunately, working full-time, plus overtime when it was offered, was still not enough for the bills that were piling up.

I will be straightforward and honest about why exactly I am here. I have ~ $2,700 in credit card debt as my bills had to be paid regardless of where the money came from. This is of course in addition to the ~ $12,000 of student loans I have remaining as I was responsible and have been paying on my original $25,000+ balance from the moment I began college. I have excellent credit and have not missed a payment because I understand the obligation and responsibility I have to pay that money back.

I will breakdown why this has been so difficult:

I get paid bi-weekly at $1,060. My rent is $925 and I do not have roommates as I live in a rural, not extremely welcoming community where I do not know a soul. My car payment is $315. I pay $200 every other week as I am pursuing my masters degree to fast-track my career in public service. My utilities fluctuate around $100 a month including internet, electricity, etc. I pay ~ $300 a month towards my student loan as I am technically 6 months out of college, but I am also still actively enrolled as a student so I am not penalized if I don’t pay. As we all know, interest is astronomical and will accumulate faster than I will be able to pay it off if I wait. I pay my own insurance (car, renters, healthcare, dental, and vision). I pay above my “minimum payment” for my credit card every month, again trying to reduce the amount of interest I will pay over time. I put money into retirement from every paycheck (have to take advantage of employer match right?) and I have done all of this entirely on my own.

Did I mention I am barely 22 years old? Yes, I work hard. Yes, I make the most responsible decisions I am capable of making. No, I do not drink/party/etc.

I’m trying and I simply need someone, anyone to resonate with my story and help to ease some of my financial stress. I am not sitting at home waiting for someone to fix my problems. I am actively going out and working hard every day to help myself. I know I will be OK, regardless of whether or not anyone ever reads this. I also know that all it will take is one person who is more well off than me to remember what it was like when they were just starting out, and to help push me along in my goals.

I want to buy a house, I want to be able to move to my dream city (North-western Montana), I want to build my savings. I don’t need a million dollars. I don’t even need $100,000. I want to earn that kind of money on my own. All I need is some help with my > $20,000 in student loans, car loans, & general debt.

$10 would help to buy groceries on my strict budget, $50 would pay my internet bill for a month, $115 would pay my car insurance for a month, $200 would pay my tuition for two weeks, $315 would pay my car payment for one month, $500 would pay all of my bills other than rent for a month, $1,000 would pay my rent for one month, $1,500 would pay every bill I have for one month, $2,500 would almost entirely pay off my credit card, $5,000 would pay off my credit card and give me the opportunity to build my savings back up, and $10,000 would change my life.

Anything helps, and every bit of help means more than you could ever know.

www.Paypal.Me/paigekgentry

Thank you

xo -P