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Last Updated: January 25, 2023

Life…it doesn’t stop

Dear sir/madam,

Me and my family have come a very long way in just the last 5 years. With waking up everyday, going to work, bettering our education, paying off debts and still maintaining bills. We’re finally getting the rhythm of life down and then what you know fate strikes again. We do everything from retraining our money habits to working more hours. Me and my souse are apart of your everyday working class Americans. Trying so hard to get ahead but life just keeps taking us back! From close ones dying, getting long term diagnosis, to car problems, paying bills on time, keeping food on the table and roof over our heads. We are smart, motivated, youngish (late 20s), hard working Americans. But is it enough? I keep telling myself it is. Anything helps. $4450 is what we’re looking for.

Thank you and God bless!

paypal.me/kyhustin

Filed Under: Student Loans Tagged With: USA

Last Updated: December 2, 2022

Please help me with loans

3 years ago my life turned upside down when I met Charles. I fell in love at first sight and started living with him. Charlie has no father and his mother is on drugs. I soon found out that Charles also had problems with drugs, which unfortunately continued to escalate. It started with marijuana, continued with cocaine, until he became completely addicted to meth. I tried to help him and look for the reason why he takes drugs and help him with the debts he has. I took out two loans to pay off all these debts and Charles started going to rehab. We were a fairly happy couple apart from all this. I tried to help him and I had two jobs to pay off the debts as soon as possible. Unfortunately, I later found out that Charles was still taking drugs, and what’s more, behind my back. He started hiding the drugs from me and kept taking them. Our fairytale gradually turned into a nightmare as we fought daily over debt and drugs while he never stopped taking drugs. One day he told me he was going to work, but I didn’t hear from hom for 10 hours, even though he said he will be out for 4 hours. No matter where he went, he always at least texted me or called me. I was freaking out because he took my car as well. I went here by public transport to see if I could see a car in the building of his workplace, and there was none in the entire area. He did not answer calls, his phone was switched off. I tried to log into his social networks and it finally worked. I found a dozen conversations with women on the news and proof that he had been cheating on me for a long time. When I found out about this, I fell into despair. He arrived home 2 hours later and was high. From this moment on, my life has turned into a huge nightmare, when I can’t manage to repay the debts that we took together, but in my name. I lost my home, my car and my job. I currently work in IT, but my income is not enough to repay both loans. I only have $100 left a month for my personal stuff and food. I would like to ask people who have the opportunity to help, I will be happy for even a small contribution, at the moment I have $10,000 left to pay, I believe that I can do it and I will be able to bounce back from the bottom and start again, but I will be very grateful to anyone who in the current situation it will help…

<3 paypal.me/paypalme/12345678968

 

Filed Under: Student Loans Tagged With: EU

Last Updated: November 7, 2022

Help change my story and my life

I moved to Canada at the age of 14 where a month later my mother had a stroke causing her to be in the hospital until I was 17.

 

On my 16th birthday my stepdad put me out. I called the police for help but was informed that as I was 16 (legal age to work) legally if he asked me to leave his house I had to.

 

As I was new to Canada I had nowhere to go and knew no one. Due to these events I had dropped out of high school as I needed to work in order to afford living and other expenses , leaving behind my early college acceptance to Biotechnology.

 

At the age of 22 I tried to go back to school and started college for Biomedical engineering technician as I was waitlisted for Biotechnology. I was doing well until second semester when my mom, who I had been providing care for since she got out of the hospital when I was 17(my step dad literally left her at my doorstep), suffered from early dementia.

 

Due to the dementia my mom went missing for almost a month in the middle of winter with no gloves or hat and as my focus was on finding her my grades dropped and my attendance depleted and I dropped out of college. As I was using government student loans to attend college this left me with a debt to pay of $38,701.

 

I am now 25 and after years of struggling to keep afloat not just for myself but for my mom I have struggled tremendously with mental health and other issues. In March of 2022 I was admitted to the mental health unit for approximately 4 weeks causing me to miss out on many more opportunities.

 

I would like to Please ask for help paying the sum of my student debt and for assistance with going back and finishing college as this cost is around $2,000 a semester and I am no longer eligible for student loans.

 

I have attached pictures of the program cost and student loan debt as reported by TransUnion Canada. I hope that this helps you understand my story and know that I am truly just trying to get my life in order so I can be self-sufficient and contribute to society. Currently I only make 700 on average every two weeks which hardly covers food and rent. I am willing to keep fighting to pay these costs as long as I am able to go back to school and out of debt as I believe being able to fix my credit and have a career will put me in a better position in the long run to be able to afford these things.

 

I would also like to say thank you so much in advance for just even taking the time out to read my story.

I have attached my PayPal link below

https://www.paypal.me/TFoster1312

 

[Read more…]

Filed Under: Student Loans Tagged With: Canada

Last Updated: October 13, 2022

Donation for student loans and bills

Hello my name is Daniella I’m 26 years old from Israel. I’m very ashamed writing down here a request for getting money but I have left no other choice 😞
I’m a student for computer science, I’m coming from a poor family background. My family has their own debt so I’m paying all my bills and student loans by my own. I’m working at the same time but it’s hard on me to pay all the bills I own.. I’m on debt of 20k NIS in my bank account but I don’t ask for this amount.
im asking for 1k USD since the bank returned my credit card payment (and this is where my student loans are charged).
They returned an amount of 1k USD and if the university would know  the bank returned n’y payment they’ll have to cancel my studies and take me out of the diploma.. I’m so anxious about it, I get no help from my family or friends.. I’m too ashamed, my mind is focused on paying bills and not on the studies. I have loans under my name and I can’t afford to take another.. I’m asking for 1k USD to pay the payment my bank didn’t respect, so I won’t have problems with university.. I’m studying so I would be able to have better life than the one I been raised to. Thank you very much. I hope it’s possible to message in private messages so I can explain more of the situation…

https://www.paypal.com/paypalme/danielladi11

Filed Under: Student Loans Tagged With: Asia

Last Updated: October 3, 2022

surrounded by a ghost that surrounds me

I don’t know if I’m alive while you reading my thoughts

My story started over a year ago

Specifically in April when I broke up with my girlfriend because I discovered her cheating on me.

I thought I was depressed before but this thing broke me

I think that my psychological problems revolved around the world not accepting me, that I was bad looking, and that I was poor.

wrestling a ghost wrestling me,

I was born to a poor family, and the worst part is that I was born to a family who saw me as the person who would change her.

Since my childhood, I have always been subject to expectations, everyone expected me to be special and the best, and I made a great effort to please everyone, so I had to lie and deceive often. I do not deny that I am very smart, but my intelligence bothers me.  This topic has stuck with me until today, I feel like I’m in the spotlight all the time

I started to feel that my life was in vain

At the beginning of the breakup I thought my bad mood was a product of the moment and would go away but never

I started losing my passion for life, I don’t feel pleasure about anything and if it happened it would have been temporary and because of my drug use

Yes, I started taking drugs.

I started not caring about anything

Nothing motivating to live for.  And my problems are starting to get bigger

Academic failure after being first in class

Losing my social relationships

My drug abuse

debts and debts

I was trying to work

The toil of studying, but in vain, until I started to become religious with friends.

I have never had a time when I was so mentally ill

I am afraid of everything

I feel like everyone is asking me for their right to get their money back

I can’t think of my life for even a second

Every time my dad gets a call, I get the feeling that the bank is calling him because of me, or that someone is going to call him to threaten me with it.

I live worrying every second and every moment

I don’t answer the phone, I don’t go out on the street so that no one recognizes me to interrupt me or threaten me

I’m starting to feel like I’m a genius of life

No one can afford my expenses nor talk to me about my problems

And no feeling of safety

I think this site is my last resort

I don’t know who will read

But I will appreciate every help

I am facing new challenges related to paying education expenses, because I am on the grapes of starting a new school year

I have many, many bills to pay

I would be grateful if you could give me a light to cling to life again.

Filed Under: Student Loans Tagged With: Asia

Last Updated: September 23, 2022

I want to go to college and change my life

Hello, I am a 26 year woman with 1 son who is 5 years old and slightly Autistic.

I have my high school diploma and wish to pursue college and get my license and a car.  I have my beginners already and am determined to get the full license.

I would be so grateful for it to be easy to get from home to school with a car and have my school paid for, If I could get just get that things would move along much faster and I could give my son the life I want to give him so badly.

I always envy those who grew up with wealthy parents or family who could pay their tuition and help them financially.  I have had 3 jobs all minimum wage and have worked so hard for so little money.  I wish to make more money with a career that I am dying to pursue right now and that is to become a Real Estate agent and hopefully get very big and one day sell million dollar houses.

It a dream that requires so much work and especially lots of money and I grew up in a foster home I was taken from my mother at 2 years old and they took the best care of me that they could but now I struggle so much trying to just survive and I feel so stuck in a loop I just fantasize everyday how if I somehow came into a bunch of money, or if I won the lottery I could make my dream come true alot faster and still be young once I am settled in my career and be able to do the things rich people can do… I would be so grateful and humble and I would cry tears of joy If I could at least pay for my school and a car.   It would be a opportunity of a life time if I just had the money right away and could get started.

It can be so tiring on the brain to constantly fantasize about this life that I could have right away as long as I could pay but with the way rent is in my city and the jobs it’s so hard to even just get by paycheck to paycheck and it just feel so unfair.   If I had the opportunity right now I wouldn’t waste any time and I’d get myself into that college and I’d get that car and license as soon as possible.  I know that this is such a long shot but if someone can help me.. I can promise that I will always pay it forward.  I have always been the type to pay it forward and give to the less fortunate even for what little I have I still crave to help people.  Thank you for whoever took the time to read this.. and bless your soul.

-Tamara

 

Filed Under: Student Loans Tagged With: Canada

Last Updated: September 7, 2022

Funding for university

I have finished my degree of LLB law, however i still have to study LPC and do 2 years of training to be a solicitor, student finance can fund £10k towards my university degree however the LPC is £15k and i am struggling with it

Filed Under: Student Loans Tagged With: UK

Last Updated: September 2, 2022

Help to be able to continue studying.

First of all, thank you very much for reading this petition. My name is Alex, I am 40 years old and it is very difficult for me to write this because I have been a very independent person all my life, a person who has tried to live with the means at my disposal because I have always had an aversion to getting into debt, so many times I have deprived myself of things I would have liked to have.

This way of life, comes because in my youth, I made many mistakes, which have hindered my chances to grow professionally and have a better present and future.

The biggest of them was not having studied, because that fact did not allow me for some time, access to jobs with a remuneration that would have allowed me to live in a more dignified way so to speak.

So when I was close to thirty years old, I decided that I had to do something about it, and I started to study.

It was very hard, not only because of the economic issue (because I didn’t stop working as a letter carrier), but also because of the fact that as you get older and after a long time without studying, acquiring study habits is more difficult and also, your head doesn’t work as well. Also, your brain does not absorb information as well when you are young as it does when you have gotten older.

Despite this, I was able to finish my university studies and now I have been able to change my job as a letter carrier for that of a school teacher.

However, I still have training needs. I have to do a university master’s degree, and although now my salary is a little better than before, I now have many more expenses than the previous time (for example, when I was doing my degree I did not pay a mortgage and now I do). Besides, with this new salary, the truth is that I can’t afford many things and any master, even the cheapest ones, are too expensive for me.

It can be said that I am overwhelmed, at a crossroads, and that is why I ask you to help me a little financially to be able to continue with my studies. This master’s degree will allow me to do my job better and continue to grow personally and professionally.

Without your help, in my current situation, I cannot afford it, so I ask you to please help me and allow me to make amends for the mistakes I made, especially for not having studied when I was younger, so that I can not only have a better present and future, but also be more useful to society.

Sincerely, I send you my best regards.

Alex.

paypal.me/ALEMartinezMartinez

Filed Under: Student Loans Tagged With: EU

Last Updated: August 10, 2022

In need of Compassion

First of all, thank you for taking the time and consideration for looking in to how you can help us.

My name is Aaron and I live in my car with my dogs (Kuma, & Sweet Pea) and my spouse (Darren).

At the end of 2021 things were looking great! We were both in lucrative jobs (prison monitors), on our way to paying off debts and able to afford a few nice things every now and again. Sadly, in February of 2022 we both lost our jobs working at the prison because one of the head resident managers accused my husband of sleeping with her husband and rather than investigate, since the other resident Manager had seniority, we were let go, to avoid further conflict.

Since February we have been evicted. We attempted to make ends meet doing Door Dash until one of us could get back on our feet, but soon we could no longer afford the debt consolidation fees every month, nor could we afford to make student loan payments, car payments, utility payments and we had fallen behind enough that all of our debts are back in collections and student loans will be resuming in October and we don’t know how we’re going to feed and house ourselves, let alone get back on track to get out of debt.

My husband decided he would go to college to get the job he has always wanted in funeral services and I can look for work in the area where that school is. So we’ll be moving to Salt Lake City at the beginning of August.

Because we have so much money in collections and my student loans are through the roof, he is using his GI Bill from the Army to pay for his schooling.

Our collections debt is a little over $25k. My student loan debt is right at $66k. Once I can land a new job I will begin to pay it off. Hopefully within the next 21 years (at the end of which I’ll be 66 years old) we can have all our debts paid off and maybe start to put something away for retirement.

The Request:

I am asking for $75,000 to pay off all of our debts as quickly as possible so that we can begin to save money for retirement. I don’t expect to get the full amount I’m asking for, any amount would be appreciated! And multiple donations from multiple people would still go a long way in helping us get to saving for our retirement faster.

If you can see it in you to donate to our cause we would be eternally grateful, or, if you can pass our story on to someone else who may be able to help, that too would be wonderful!

Please make donations to:

https://paypal.me/dabate17?country.x=US&locale.x=en_US

And please know, from the bottom of our hearts we thank each and every one of you who took the time to read about our request.

Filed Under: Student Loans Tagged With: USA

Last Updated: August 7, 2022

Nursing student who’s in debt and pregnant

Hello there, i want to apologize in advance for the very long story, i am a 24 year old nursing student who is in debt, and pregnant. Where to begin, well all of last year and this year has been my nightmare. Last year i was doing so good, going to my classes online, working 3 jobs! Yes 3 jobs, i was a private caregiver for 2 private patients whom i loved dearly. Unfortunately one of them got dementia she had to be sent to a nursing home so i try to visit her as much as i can. The other i was not able to work anymore and you will soon find out. My 3rd job was a nursing facility; in that facility i grew close to a polio patient whom i decided to start a gofund me fundraiser for him for his physical therapy but that’s another story for another day. I was so exhausted but i was so happy because i was able to afford anything. I lived in my own home i was renting, i had 3 cars, as i am a car enthusiast. I worked on them on my days off or i would drive them to pass time, and that’s how i met the guy who took everything from me. Well to be exact we started dating before my jobs he just didn’t show his true intentions before. Long story short he was controlling and jealous of my accomplishments. He manipulated me he didn’t work and i even bought him a car for 9k cash, he promised to pay me back but he never did. He would use my cars and he would eventually break all of them, get them taken away for reckless driving i would always pay to get them back for fees, repairs etc. Eventually i had spent all of my 13,000 i had worked so hard to save up on his mistakes, i lost all my cars, i am car less. I was naive and dumb he kept promising to change, which eventually he did once he found out we were pregnant, but i also have medical issues of my own, i’m anemic, my bones hurt on the daily doctors kept sending me to specialists. Now i’m not able to take any medications for the safety of my baby. I am not able to work as it got super difficult for me so i had to unfortunately stop working for my other patient. I wasn’t able to afford to rent so i moved in with my toxic parents. I am now 9 months pregnant, i was still doing online classes but i stopped the last trimester that finished as i need to get everything ready. My mother who keeps commenting on my life and saying i wont be able to give my son a good life. My father whom has medical psychological issues he yells, and drinks. The father of my son lives with his mom, always has but his mom tried to force me to get an abortion, she too hates working she lives off unemployment, she dates men just so they can pay her car or rent, she has even admitted to me doing certain things for money as she hates working. That place would be even worse than my own home. As for the father of my son, he now works, but only one job, he once again convinced me to help him get a new expensive car for when our son arrives with my credit, which is $670 a month his other car he too broke because he used to race them and not know how to care for them. I am now relying on his paycheck but it all goes to his suv as he only gets paid minimum wage for a construction/remodeling job, for private people. Have yet to be able to pay my school debt, whom i was supposed to start my Nursing program and finally be a nurse in 12 months! It’s 24,000 and i have yet to buy my son the biggest necessities for his arrival, small things are bought, just need crib, car seat, stroller, diapers, bathtub the most expensive things. I would love to be able to have my own home once again too as it’s too crowded here, with my parents and sister and older brother who is inconsiderate. As you can see i went from being my best to crashing down in a matter of a year. I would be ever so grateful to anyone who helps with anything at all… i am not the type to beg i love being independent but with no ones help what will i do..? I am a little embarrassed so i did use a different name. My paypal does have another name. paypal.me/Anagomez881  Thank you.

Filed Under: Student Loans Tagged With: USA

Last Updated: August 6, 2022

Please help me get back on track and out of debt

Hi! My name is Patrice! I am a 35 year old single woman. I work full time as an elementary school social worker, and have two part time jobs as a mental health therapist.
In my personal life I struggle with borderline personality disorder. For those of you who don’t know, BPD is an emotional regulation disorder that also impacts impulse control. As a result, I have gotten myself in trouble over the years with my spending. When I’d get depressed I’d go on a retail therapy shopping spree or take the first trip out of town to run away from my problems regardless of how much money I actually had available to spend. Over the past 5 years I have spent countless hours in intensive therapy working on myself and am in much more control and living a much healthier life, but still have all of this debt following me and feels so overwhelming even with my three jobs. I would appreciate any help I could get from kind and understanding people to help me in my efforts towards eliminating that debt.

Thank you for your consideration,

Patrice

https://www.paypal.com/paypalme/my/profile

Filed Under: Student Loans Tagged With: USA

Last Updated: July 22, 2022

Supporting our Disabled Son

Thank you for taking the time to read about our story and considering helping our cause. We are seeking support with our heavy student debt that is keeping us from being able to save for a handicap-accessible home, wheelchair van, and the many things my son requires for support.

My son initially had some issues with feeding and low blood sugar and spent a couple of days in the NICU, but we were sent home once we were stable. After a week at home, we noticed that he was just not thriving the way his twin brother was. After several invasive tests and over a week at the children’s hospital we received a diagnosis of congenital muscular dystrophy (CMD). In short, CMD is muscle disorder that makes muscles weaker than they should be. This can make simple tasks like lifting your own head and limbs difficult or impossible. It becomes dangerous when the muscles that are responsible for breathing become involved. We have since learned the specific type disorder  he has is called LAMA2-CMD, one of the most common types of CMD, but still ultra-rare.

 

Since that time of diagnosis until now, we have learned so much about being special needs parents and how to best support him. He is one smart little guy who has been a chatterbox since early on! We have been fortunate to have collected many adaptive items for him to best be able to explore the world from a stander where he is able to experience weight-bearing, to his scoot chair where he can “chase” his brother around the house. We have been spending so much time enjoying our boys that we really don’t know anything different than life as it is now. While there are moments when emotions fill us with fear of the unknown, we know that each day we have the opportunity to do better, and that is just what we will do! While we are not living for a “cure” we are living to make life the best it can be for our son and others with this frustrating disease.

Currently, there is no “cure” for LAMA2-CMD, however, there are many promising therapies in the works. Research requires funding, and that is where you come in! We are making a lofty goal to promote research for this unique condition. We have many creative thoughts on how to support our goals of finding therapies to enhance the lives of those affected by LAMA2-CMD and the most important one right now is to support research efforts. We have held many fundraisers and have raised over $20,000 so far, we have lofty goals, but this is a start! With so much of our focus on making the world adaptive for my son and fundraising, we are just feeling so heavily bogged down by student loan debt.

My husband works very part-time as he is the primary caregiver for our twin sons since the pandemic started. Due to the risk of illness, we could not put my sons in daycare. I am considered self-employed and pay for our health insurance premiums, currently $2000 per month, not including deductibles and max out of pocket which we reach each year due to my son’s diagnosis. We feel like we are drinking from a fire hose daily and student loans are just such a burden we are unable to put a big enough dent into.

 

We appreciate you taking the time to consider supporting us in becoming student debt-free so we can focus on our children!

 

paypal.me/MamaOnAMission32

This is a photo of my current account that we are looking to pay off this year:

 

image0.jpeg

 

 

 

Filed Under: Student Loans Tagged With: USA

Last Updated: June 24, 2022

Asking for a little so I can give a lot..

First off, thank you SO much for taking time to consider my story and investing in me. Let me tell you a little about myself…

In 2010 I graduated with a masters degree from a local University. I work what I consider one of the most rewarding jobs I could have as a Speech-Language Pathologist. Currently, I work with the entire life-span with my youngest patient being only a few weeks old to my oldest is currently 101 years young. I help them speak, think, process information. I help them swallow again, breathe successfully and help them progress to get themselves home again. I establish a relationship with not only my patients but their families as well and I deeply care for all of their well being.
When I graduated with my degree 12 years ago, I had $150,000 worth of student loan debt along with a few thousand in credit cards.

Fast forward to current and I was blessed with two amazing little angels, a bonus son and a loving and devoted husband. The two of us work two+ jobs each week to make ends meet and provide for our home. Despite monthly payments as I am suppose to, I now have $197,845.00 in student loan debt. Because of the payments I also have extensive credit card debt. Child care costs given that my husband and I both work more than full time hours is outrageously expensive. Given the cost of everything right now this is not something that will get much easier at any time in the near future.
At this time, the school district we live in is the bottom of the state for academics. They get zero funding and the programs are falling apart. I am desperately trying to pay off my debt so that we can afford to move to the neighboring school district and give my children the lives they deserve. The chances and experiences they deserve. The chance at a solid education and the joy of a tight-knit community.

I don’t want millions. I just want to be debt free so that the hard earned money I make from caring for all of my patients everyday and working multiple jobs goes to showing my family an amazing life. One that’s filled with time together and chances to volunteer with our community.
The money provided to me will go directly to my student loans and my credit cards first. Then once I am debt free, my goal is to make monthly “pay it forward” events and take my little ones with me to see it unfold. Place $100 inside a pack of diapers, put $50 in the top of a can of formula. Hoping to make ends meet for a parent who is least expecting it. And once I am debt free, I can do this with my own hard earned money to make others feel happy and give them a sense of relief. In total I am in need of  $225,000 to have a clean slate. Please, please consider donating to my family and I and help me achieve these goals. Help me to show my family the amazing things that are available to us. Please help me from the drowning feeling of anxiety from the debt that I’ve encountered just trying to survive…

Thank you, thank you from the bottom of my heart for reading my story and considering helping me!

paypal.me/MamaOzzy1203

 

Filed Under: Student Loans Tagged With: USA

Last Updated: June 16, 2022

Struggling University Drop out

Hello to anyone reading my post this is my story.

I grew up in a financially struggling household. It was always my dream to attend university to pursue law to become a defense lawyer, from 12 years old to the time I graduated I had multiple part-time and summer jobs to fund my university studies which, I missed out on a lot of fun things my friends were doing because of this.

Once graduation came around I had saved up nearly $80,000 to fund my studies and I was beyond excited. Looking back it was definitely worth it, so I moved out for the first time to pursue my dream. That was 4 years ago.

All was going well for the first and second year, I was working a part-time job while doing school full-time. Things were looking very good. I managed to pick up a vehicle in my third year which was a huge accomplishment for me, but it was not a good decision. After a few months, it started to have problems and repairs kept adding up. I was going over my budgets each month and tried to pick up more shifts. I had to sell it which I barely received a fraction of the cost. This greatly impacted my funds.

 

To top it all off, I was out of work due to the pandemic for 6 months, and no matter where I applied I could not find work. I bought and flipped some stuff from local thirft stores just to make some money but it was not nearly enough. Desperate, with poor credit, I received a loan of $40,000 with an interest rate of 49.6%. I was first told 19.99% but there were underlying terms.

This forced me to drop out and work, I am currently working 60 hours a week at 2 jobs with around $72,000 worth of debt on a loan with interest, maxed out credit cards, and I am barely making it past each month with living expenses, and monthly payments.

I am not the type of person to ask for money but I am so over my head I have no idea what to do, I can’t move home and I am living in a very run-down apartment building. This post is my last resort.

Thank you so much to anyone who read my post, bless you and your family. If anyone reads this message and is considering low credit loans, please DO NOT go through with it because it will catch up to you and make it very hard for you to get back on your feet.

I am trying my best to get back on my feet so I can eventually finish off my degree, I would be more than thankful for any donation.

My PayPal: paypal.me/donavynm17

 

Filed Under: Student Loans Tagged With: Canada

Last Updated: June 8, 2022

Financial Assistance

Hello everyone, my name is Christian and if you took time out to read this, then I appreciate that. I’m sure my story isn’t unique but I’m nearing the end of my resources so I figured this would be worth a shot. To start off, I had a child my sophomore year of college and I was 19 at the time with hardly any money or assets available to me. Although, with  help from friends and family, I was able to graduate with my bachelors in 2018 only to then not ever find a job in my field and then a year later, I found myself stuck with a new student loan bill and not a lot of money to pay everything. Luckily, I was able to get a job working as a maintenance person in an oil refinery and made decent money. At this point, I can sort of feel my life coming together. Fast forward to 2020, covid hits and all non essential personnel are told to stay home. Through unemployment, we manage to get by while waiting for the world to return to a sense of normalcy and later that year I would return to work near the end of the summer. In November of that year, a car accident left me with a torn labrum and I was now unable to work. I did have short term insurance and some savings so I was okay going through this period of not working but it definitely dwindled down the emergency fund i had and also led to more credit card spending. Following this, I was sold a dream by my uncle to go back to school to become a certified HVAC technician and that my school would be paid for and I would be taken care of in the meantime. This was not the case at all. From May of 2021 to May of this year, I was only able to work 20-30 hours a week because of school and almost forced to go into more debt to just stay afloat with bills and responsibilities I had.  This goes without mentioning that the company who brought me on ( Yes the one my uncle was involved with) began to tank and eventually I was left with owing these new student loans all to myself now. So just to recap, not only did I go through a year of not being able to work full time, I know would be responsible for even more student loans that I previously had been told would be taken care of. Luckily, I have started another job with a different company, same field of work. Unluckily, I know have about $30,000 in credit card debt. I’ve looked at consolidation, debt relief programs and bankruptcy before coming here. I’ve not come here to ask for all of my debts to be paid. I’ve never missed a payment on anything but with my house note, car note, insurance, and student loans I’m on the verge of finally cracking.

https://www.paypal.com/paypalme/Cholmes921504

Filed Under: Student Loans Tagged With: USA

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