Hello, I currently have $127,000 in student loan debt. In January 2021 I finished my last course of my master’s program however, during that time I was dropped from my program. During that time I was working in a STRTP based group home for teenage boys. The owner of the group home did not have safety plans to ensure that kids and staff were safe should a child run away from the group home & come back with covid. I anonymously contacted licensing for our county & when the owner of the group home found out, he advised his LCSW who was providing my supervision to contact my school & fabricate my worth ethic. In place of the school administering an investigation, I was dropped from the program. Thankfully by the grace of God, 2021 February I was able to go to another college & started a new job. I have since received my Masters of Social Work on August 16th 2023. In place of being bitter about what happened to me, I chose to push forward & continue to give God the glory! I’m currently working at a Veterans Affairs & enjoy servicing our heroes. The VA has a  program called EDRP. This program allows any money that you pay towards your student loans to be reimbursed. Of my $127,000 the VA is willing to award me $23,000 a year. In order for me to obtain the full $23,000 eligibility of each year award, I have to make my own payments of that amount to my student loans, show my employer the proof of payments & then my employer sends it back to me once a year for a total of 5 years. I am requesting a donation of $23,000 so that I can take advantage of this blessing of an opportunity as a VA employee. In the event I am able to cut down my student loans, it will allow for an opportunity for my husband & I to have a financial fighting chance for our future. Thank you for reading my post.

My cashapp is https://cash.app/$ry909

paypal.me/JuanitaReddix

I work hard and remain committed to moving forward, but monthly payments have made it difficult to get ahead and focus on long-term goals. This support would help me reduce my student loan balance, ease financial stress, and allow me to focus on building a more stable and secure future. While education helped shape who I am today, the financial burden has been difficult to overcome alone.

Thank you for your kindness and support.

I know times are hard for a lot of people right now.

After graduating college, I was so excited about starting my future. I moved back home with my parents, began my first job, and mapped out a financial plan to manage my student loans and start saving for what I was building toward. But over time, the role I was working toward at my job became a series of unmet promises, and stability never came my way. Staying ahead financially became harder and harder, the balances quickly grew beyond what I could manage. I soon understood the meaning of living paycheck to paycheck. While the debt of my student loans and the simple needs to get by continued to come my way, I continued facing more and more financial setbacks and unexpected expenses. As of now, almost 2 years later, I am still living at my parents home, doing all I can to dig myself out of the debt, and create a realistic path to my independence and stability.

I feel so incredibly anxious and weighed down by this financial stress that seems like it will never end. It constantly consumes me thinking about when I will be able to just get to 0 again.

I’m here looking for help to reduce my credit card debt so I can get back on stable footing. Any support would go directly toward paying off these balances and offer me some breathing room while I continue working, growing professionally, and create a real start for myself. Thanks for listening and for any support you may be able to provide.

http://paypal.me/colleenbuckingham

I have worked in education, since 2015. I graduated college in 2019. I have been paying my student loans since. My goal is to get out of debt. Any donation is appreciated. My payments are almost $800 per month. I have a remaining balance of $64,000. My loan servicer is mohela. You can donate at either mohela.studentaid.gov or calling 1-888-866-4352. My account number is 2024770605-1.

Thank you so much!

I have a bit of an issue, and I typically hate asking for help (Let alone money), but I’ve run out of options and don’t really know what to do.  I’ve been having issues with bills and debt as of late, and ordinarily, it wouldn’t be something I’d reach out for help for, but it’s taking a turn for the worse.  Recently, my car completely shut down, and it will take $5k to fix on top of the bills I already can’t afford. I would sell my car and buy a new one with the money, but nobody is willing to buy it. The parts that need repairs are worth more than what the car is worth. This has resulted in me walking 12 miles to and from work with occasional rides. This was unbearable, but I forced myself to think positively. I tried to think of it as a much-needed exercise; however, positive thinking could only get me so far. My job began to see it as a hindrance and began to write me up, even after I explained my situation to them. This led to me eventually losing my job, my only source of income. This, as you can imagine, quickly became the breaking point. I was jobless, without a car, and the bills were piling up higher and faster. Nobody wanted to hire someone without a car, and every job I applied to denied me without an interview.

As if things couldn’t get any worse, I began to spiral into a mental breakdown, which led to having a seizure in the middle of my parents’ living room. Growing up, I’ve always had a history of seizures because of the tumors on my brain that still remain to this day. It’s because of my tumors and the threat of seizures is why I’ve gotten decent at regulating my stress levels. I haven’t had a seizure since early high school, but I think these past couple of months have caused me to exceed my tolerance threshold for stress. Between medical expenses, my car, and other accumulating debt, I’m 22k in the hole, and I don’t know what to do. I’m afraid of having another breakdown and seizing on the floor again from stress. Please, I beg anyone willing to read and help, I’ll take any amount I can get with open arms. Thank you regardless of the circumstance!

https://paypal.me/jeffersonQA

I worked hard for years to achieve my doctorate degree, believing that education would open doors and provide financial security. What I never expected was the crushing weight of student loan debt that still follows me every single month.

Despite all the long nights of study, the sacrifices, and the commitment to serve others in the mental health field, I find myself in a place I never thought I’d be: struggling to keep up with bills and loan payments.

Workplace politics and limited caseloads have made it nearly impossible to earn enough to cover my obligations. Even with the highest level of training, my paycheck doesn’t match the mountain of debt I carry. Every month feels like an impossible balancing act between loan payments, household expenses, and caring for my family.

I never imagined that after reaching the highest level of education, I would still be battling to stay afloat financially. The emotional burden is heavy, and it often feels like all the effort and sacrifice were for nothing.

I am sharing this here in humility. I need help.

Any support—whether big or small—will go directly toward reducing the student loan pressure that has been weighing me down for years. Your kindness can help lift this weight and give me room to breathe again.

Thank you for reading my story, and thank you for any support you are able to give.

As a single mother, the struggle to provide for my daughter’s education has been a challenging journey, especially this summer. Despite working two jobs to make ends meet, the financial burden of sending her back to school feels overwhelming. My daughter has also been working all summer long, demonstrating incredible resilience and commitment to her education. Together, we have managed to save $3,000 towards the $7,800 needed for her to return to school, but we are still looking for an additional $4,800 to cover the remaining expenses. Each day, I juggle long hours at work, hoping to save enough to cover tuition, supplies, and other essential costs. It breaks my heart to see her dreams hindered by our financial situation. She often helps me around the house after long days, supporting not just her education but also our family. This summer, we have been actively trying to raise funds through various means, but the reality is that every little bit helps, and we still have a shortfall. I am reaching out to our community, asking for support to help create a brighter future for her. Education is a vital stepping stone for her, and I believe that with the right resources, she can achieve her dreams. Every dollar raised will go directly towards her school expenses, ensuring she has the tools she needs to succeed. It’s not just about the money; it’s about giving her the opportunity to thrive and showing her that even in tough times, there is a path forward. I am grateful for any assistance or donations that can help us reach this goal. Thank you for considering helping us navigate this challenging time. Your support means the world to us and will make a lasting impact on my daughter’s future. Together, we can turn this struggle into a success story, showing her that with hard work and community support, anything is possible. Your kindness and generosity will not only help alleviate our current financial burden but also inspire my daughter to believe in herself and her dreams. Thank you for taking the time to read our story and for any support you can provide. We are hopeful for a brighter tomorrow and appreciate your willingness to help us get there. Here is my cash app- $babycakes8285

Hello,

I am a single parent and foster parent that has been working hard to clear out debt from student loans and credit cards to some day be able to become a home owner and give my children a forever home and not have to think about landlords some day evicting us from our current home.

Due to me being the only income in my home makes it difficult for me to stay on top of bills, necessities, pay off debt and student loans faster to accomplish my dreams and goals. I am a dedicated parent and foster parent that looks forward to helping children in need of a loving and caring home but also making sure those children have everything they need to live a good quality life while they are in my home. I currently only have 1 full time job and have thought about getting a second job but that would take me away from my children for longer periods of time and not be able to spend time with them and giving them the attention they need. Any donation would be appreciated from the bottom of my heart.

paypal.me/AraceliC9380

@AraceliC9380

Like many students across the country, I believed that going to college was the key to building a better future. I worked hard to get accepted into a university, dedicated myself to earning a degree, and took out student loans with the belief that I was making a wise investment in myself. Now that I’ve graduated, the reality is much more complicated. I am currently struggling under the weight of my student loans, and I am reaching out for help because I simply cannot manage this burden on my own.

During my time in school, I did everything I could to minimize debt—working part-time jobs, applying for scholarships, and living on a tight budget. Still, the cost of tuition, textbooks, and living expenses added up quickly. By the time I completed my degree, I had accumulated more debt than I ever expected. I understood that repayment would be difficult at first, but I underestimated just how much pressure it would put on every area of my life.

Since graduating, I have been trying my best to make payments on my student loans, but due to rent, groceries, transportation, car notes and other essentials I am unable to pay off my debt. I am doing my best to stay afloat, but I feel like I’m falling behind financially and emotionally which keeps me up at night. The stress of constant repayment deadlines and growing interest has become overwhelming.

I am open to any form of assistance. I am pleading with anyone who will be willing to help out of the kindest of their heart to get rid of this burden on my back. Eliminating this student loan will tremendously improve my mental state, and would put me in a better place to be able to get other things done. I currently owe approximately 71,000 in student loan debt. Having to work long shifts to pay off this loan while providing for my kids is no easy feat. I have been paying this loan for the past 2 years and it feels like the amount isn’t dropping. I am drowning, somebody please help me.

In conclusion, Student loan debt is more than just a financial issue; it’s something that affects mental health, stability, and confidence. I’m doing everything I can to move forward in my life and career, but this burden is holding me back. I’m asking for help because I believe in accountability, but also because I believe people deserve second chances and real opportunities to succeed. With support, I know I can turn this situation around and build a life I’m proud of.  Cashapp:$JulieGarley

Thanks for your consideration

Sincerely yours, 

Julie Garley