Just trying to help rid $65k of student loan debt through Navient. Tried to go back to school to obtain my RN degree with working and quickly found out I would not be the lucky person who could maintain their grades and work at the same time in this particular profession. Took out loans for living expenses for the next few years and even with a cosigner was given terrible interest rates. I am currently working my butt off to pay $600 a month to Navient only to see zero progress on my loans over the last many years. Realizing that I will simply be working to pay on these loans forever is very upsetting and there is no relief for private loans available. My program did not allow government loans due to the rate of default after graduation which limits us to private only. While continuing to work and pay $600 a month just to loans that are going down at the rate of $15 a month is nothing short of massive anxiety and worry knowing that if anything every happens that hurts my current financial ability I will not be able to make those payments. I currently 38 years old and having to put life goals on hold due to a regret that I wish I could go back and have the knowledge to know to stay so far away no matter how much I struggled during my schooling. So all I can do at this point is to ask kindly for any help to pay off my loans and allow me to be the nurse who goes to work without the fear of losing everything by missing any loan payments that are getting me nowhere at all after many years of paying so much of my paychecks towards. I love what I do and being able to make a difference in the lives of anyone I meet to take care of on a daily basis. When the day is done it is right back to worrying about how I am going to become free of this chain that keeps me from accomplishing any goals in life. I hate that anyone has to go through this and maybe one day education expenses will not affect the lives of people the way they are now with so many limitations on repayment options. There’s nothing quite like having customer service tell you to look in your couch for spare change to help pay. That is a statement I will forever live with that shows the lack of care or concern for anyone struggling with such high payments.
Thank you to anyone who takes the time to read this and know that any assistance that ever comes my way will be used to reduce my student loans and help this nurse continue to try and build a life around my career and family versus the fear of having to choose student loans over medical concerns and other events of life that can hurt the ability to make payments. I know I am just one of many struggling and that would do things different if they could. I am not anymore special than anyone else hoping for their loans to go away forever and to finally have their mental health stop being negatively affected by the terrible world of student loans destroying the potential of many and their goals in life. Thank you all!