Hello,
My name is Courtney and I’m a single mother. I have always worked multiple jobs to provide a stable home for my daughter. I decided to go back to school last year to earn a Professional Coaching Certification. I have been paying my monthly tuition bills, however in February, my ex-husband decided to no longer help with expenses for our daughter. This has left me in a huge financial bind and I am only months away from completing my certification. I have amassed bills in excess of $12,000 (tuition payments being made to my credit cards) and I’m looking for assistance in helping me to pay down my debt so I can finish my program strong. I also have an unanticipated tax debt, which I tried to dispute for my state taxes. I was expecting a refund and the state says I owe over $1,100. I have always been in the saving mindset so this temporary setback is not only a financial challenge, it’s an emotional challenge as well.
I have always been on the giving end of things, even when I didn’t have much. In 2016, I lost my sister and in August we lost our home in the great flood of 2016. I persevered through all that without needing to ask for financial help I have changed my lifestyle and my daughter understands that we can’t do all of the things that we use to do because of the reduction in my income. She is a great kid and understands that I work very hard to provide a home with the basic necessities. I am hopeful that once I get my certification I can begin to make the money to be able to return to our normal life.
This site is really a last resort for me. I am not really comfortable asking for help, but I know that I can’t tackle this debt alone. I have exhausted all my resources from selling clothes at the resell shops, to Poshmark and even selling my daughters clothes at weekend consignment sales. As soon as I get a few dollars, here comes a bill. I am organizing a rummage sale for this weekend. At this point the money is not coming in fast enough for me to keep up.
I try to keep a positive upbeat attitude through it all! Once I get back on my feet, I hope to pay it forward!! Anything that you can provide will be most appreciated.

*I tried to upload multiple images, but it would only allow 1.

Thank you in advance!

Courtney

paypal.me/CourtneyHunt

Hello, my name is Christopher Cabral and I’m raising money to finish paying off my college tuition which is due in two days and I’m only 2,000 dollars short for this semester only. I’m currently on the path to getting associates degree in business management and my goal is to transfer to a four year college and get my masters in aerospace engineering. I can cover my next semester and the others after that. It’s just that I’m in a very tough situation right now, that it’s got to the point to when I have to go to sleep hungry not knowing if I will have enough money to buy food for the next week. The reason why I don’t have the money for school, food, and gas is because I recently lost my job, I’m currently in the process of getting a new job in the next few days hopefully. I also have a car payment due next week, I barely have money for gas to last the rest of this week. I don’t really have family to help me out, I’ve asked a couple of my family members and they all either cant right now because they have their own financial problems or they just don’t want to help me at all.

The only thing that I care about right now is my education. School has always been important to me because it’s my future. I want to be successful, I want to be live comfortably and wake up every day and not have to worry if I’m going to have enough money to pay all of my bills, or have food on the table. I’malways humble and thankful for everything that I have, I continuously push myself to work harder, try my best in everything I do, go out of my way to help others in need, because I know how hard life is, and to be successful in this world takes a tremendous amount of hard work. To the person or everyone that may be reading this I would like to say thank you for taking the time out of your day/night in considering to help me out. I’m glad that there is a place where I can reach out to people who want to help others because someday I too want to be like you and help as much as I can for people who are in need. Again I would like to say thank you and if you’re able to help me out, I hope that someday I could repay you.

https://paypal.me/ChrisKC21

Sincerely,

Christopher Cabral

paypal.me/ArianaB23

 

Hello everyone! My name is Ariana and I am currently a junior at Arizona State University. I am pursuing a bachelor’s degree in Logistics full time. I take a minimum of 15 credit hours a semester in order to keep the scholarship I have. Now at the mention of a scholarship many of you must be wondering why I am asking for money on this website. The New American University Scholar Dean’s Award does not fully cover my tuition for the year. I was born and raised in Alaska which makes me an out of state resident. Therefore, my tuition is $28,336 not including room and board, books or supplies. This summer I worked three jobs in order to pay for this semester which was $6645 not including books or school supplies. I was fortunate enough to meet that goal while paying for rent.

 

Since Freshmen year I have been working on campus a minimum of 28 hours a week. I usually end up working more than that by picking up other’s shifts. Unfortunately, that money solely goes towards my rent. I do not have reliable transportation to work off campus for a better paying job. So I make it work with my current job. However, I do not make enough to save for the upcoming semester. I have already taken out student loans and am currently drowning in the debt.

 

My parents are unable to help me because they are not in good financial circumstances as well. My mother is getting a divorce from a narcissist who basically manipulated her into selling her house and using the money to buy a restaurant on an island. Now she has no money but is paying for legal fees for a divorce trial which the man refuses to show up for. This means additional money has to be used to pay her lawyer to continue going to court dates that amount to nothing. My dad died of Colon cancer a year ago. My stepmom is a massage therapist and does not have much income herself. Yet, she now has to raise my younger sister by herself while trying to pay off the debt my dad left behind.

 

As you can see I really have no other options. So I am writing this in hopes some generous person will donate money to help me out. I need about $10,000 in order to get me through my spring semester and senior year of college. For those of you who do not know, students have to pay graduation fees in order to receive their diploma. So on top of normal tuition fees, I will have to pay for other things having to do with graduation my senior year. Once I get my degree and a career job, I will save enough money to pay it forward. I want to help others once I am financially stable. However, today I am in a position where I really need help. I appreciate all donations. Every bit will help, thank you!

 

P.S. The image attached is a receipt for this semester’s tuition.

paypal.me/ArianaB23

To put things simply my parents never planned for my future. They were too busy snorting whatever drug they could get there hands on, drinking themselves to death, or hitting me to care. I could go into the gruesome details, but I won’t.  Though, if you need to know the details I would be glad to share them with you. I want to go to college again. I started for two years, but life got in the way and now I’m in debt and wanting to start again. I have a pretty fulfilling job, but I don’t make enough to cover my bills and pay for school. I was dealt a bad hand, but I worked out of it and now all I want to do is pay my debt, pay my school , and work towards my business degree. If you want more information I will gladly tell you my life story via email. I know it’s a lot of money and I’m just a girl, with big dreams, that you’ve never met.

Best of wishes and lots of hope,

Megan.

Also, my PayPal link is,

https://paypal.me/mhanlin1

My heart was racing. I walked across the stage, lights glaring, received my diploma and a handshake, and like that, it was over. I’d pushed my slept through college, emerging as a first generation graduate, despite having a child, working 2 jobs, the passing of my mother, all as a single mom. I radiated pride and gratitude for weeks, stunned with this accomplishment. With my bachelors of science in biology from Boise State, I felt the world was at my finger tips. I grew up with foreign parents who didn’t always have all the answers, but who supported my dreams, and science was it. What I was going to do next seemed obvious at the time. I felt, as you’re told over and over, I can do anything now! Real life hit me a little hard when I learned most upper level jobs require AT LEAST a graduate degree. I was content working in a laboratory as an analytical chemist for a few years before I became restless. I KNEW I could do and be much more. I had always been obsessed with medicine, but never thought I’d make it, until I discovered what a physician assistant was. It was exactly what I wanted. Diagnosing, solving problems, being able to switch specialties, working with and leading my team, and so much more! I immediately began the journey to PA school, and took a giant pay cut to work in the OR at out local hospital. I soaked up as MUCH as possible! The world of surgery sucked me in and has kept my interest ever since. I currently work in a specialty clinic, which has turned into the most rewarding work I’ve ever done. As for PA school, it requires very competitive statistics, and so to add some prerequisites and increase my GPA while accumulating patient care hours, I attended the local college where I live in Montana. My dad was able to co-sign some student loans with me to attend, and my grades were top-of-the-class. I loved learning all these relevant things. Unfortunately, my dad was unable to continue co-signing, and undergraduate federal loans are not available to students who already have a degree. Currently, I’m a single mother, recently diagnosed and fighting through multiple sclerosis, working full time, and on the brink of acceptance to a PA program, but I just need ONE MORE CLASS-psychology 101. But my budget is stretched beyond what I can afford, and am struggling with tuition. I am here, desperately asking for help to get over this hurdle, and onto my way to grad school, after which I can be a successful, contributing citizen of this community I have become an important part of!!

https://www.paypal.me/ramonab24

 

Hi everyone,

I hate to be on one of these sites and this is really my last resort. I’ve always been one to give things away.. and thats exactly why I’m here now. I went through college to further my education. I have major depression so I wasn’t always 100% into school. Eventually, My school dorms shut down and I had no where to live. In order to stay with my boyfriends family, I took out a credit card to help with bills. I found a job at walmart for awhile. While money was tight and my dorms closed. I decided to resign from school and just save up money and maybe return to college later when I could figure out my depression. So at this point, I didn’t have a car because my parents were never rich and hardly had their own things. I ended up working at multiple jobs and bus lines are not cheap. I was unable to keep a steady pay and now I’m stuck in this financial whirlpool. People often take money from me and use me to get things knowing I’m so nice about it. I’ve kind of dug myself so far in debt that I’m struggling to get back out of this hole. My grandma gave me $2,000 just for a gift because she knew I was struggling. The $2,000 took some financial pain off for awhile but now I’m back at square one. Now, my grandma is giving me a car (I can’t get it yet). I love her to death and would do anything for her. Considering she is giving me her car, I insisted giving her $1,000 back even considering I knew I didn’t have it. I’m a good $40,000 in debt from the bills and credit cards and school loans. I also have braces and they recently took me off my mothers insurance and its going to cost me $200 every visit. I go to the dentist about every 6 weeks and I’m just getting smothered by this debt.

 

If anyone could please help, it would mean the world to me.

 

I really thank everyone who took the time to read this! Thank you!

 

https://paypal.me/Donnajean22

Hello. I am a young girl 20 to be precise. I turn 21 in November.. I feel silly coming on to this website asking someone other than a parent for money! I mean who wouldn’t, I guess I’m hear for some advice which is what I’d call money. So advice is money, and money is like a healing mechanism for most. I’ve recently came to the realization that god gave me the bad end of life. I was raised by a single mom, dad had 5 other children all roughly the same age when I was born. As I grew up she was always there, we were super close to each other at the age of 16 something terrifying happens to me. It left me scared and damn near homeless! I was a straight A student up until I found out my mother was addicted to cocaine and alcohol. It brought me so low but I continued to stay strong for me and my sister. At 16 my mother would always have different men in and out of our lives. She was strung and I was young. I was rapped by a man while I was sleeping. I was watched for months, I was sketched like if I were a cartoon character. She was high on drugs in the other room when it happened, and evidently I’m either insane or high off life according to her. I couldn’t even pin point exactly what happened that night, but I woke up not in the right state. And she moved away that same week with The Who made me unsafe. He was a killer after all. I stayed from house to house between my sister who hates me and a grandmother who’s wicked in her own ways. My sister was told by my mom at age 18 my father raped her. So now she goes around hating the world. Including me m, although go decided my life had to be even to hers. I was afraid to step outside and she made it worse, she’d tourney me and talk crap about me, bringing me lower than I already was. I live with mom now again staying away from drugs considering they all do them in my family. I was in college but it didn’t go to good. At all. Now I’m focusing on me, I need to better my life, though I could use an entire fortune. A small kin of 3509$ could get  me my first vehicle to get to and from classes everyday! The little amount could turn my life around! A kinder gesture of a larger amount would be appreciated as well. Thanks to those who took the time to read my post. Xo

Hello everyone out there! I’m a struggling college student named Lindzeh trying to make ends meet. Like everyone else I hate asking for money, but when your arms are tied with nowhere left to turn, the internet always has an idea or two. That’s how I ended up here sitting at my computer pondering how I was going to come up with $131.50 to pay for this access code for my class to do my homework and test assignments. I had just spent the last of my money on my overly priced car payment and am left dry until next paycheck which will of course, not be able to cover the cost for my class access code after I put aside what I need for bills. The college I go to hasn’t distributed my loan and won’t be until an ENTIRE week later. I finally figured out what I’m going to do to contribute to this society and failing grades cannot be on the agenda. I need help! Money is no laughing matter. It’s the subject of hair pulling, teeth grinding stress. Every week is the same, living from paycheck to paycheck trying to continuously make ends meet. I know what you’re all thinking. Why doesn’t she just put money away into savings every week like the rest of us? Well, smarty pants, I do! And life always throws me a curve ball where I have to pay out of my savings for a new tire, or to get my car fixed, or emergency gas to get to work. Im sure a few of you out there know where I’m coming from with that. I understand people have their own lives to live and money to pay to things, but even $1 helps in the biggest of ways! And if that doesn’t convince you, you can at least go to sleep knowing that good karma is on your side. Nobody can ever get enough of that! So you guys know that I’m not just some punk kid trying to swindle myself an extra $131.50, I included the photo of my webpage showing you all my proof! Not only that, but I’m currently looking for a second job so I don’t run into this type of situation again where I  jeopardize my future as a CPA. I’m a hard working, determined young lady with the drive to succeed! This money will no go unnoticed or be treated like a hand out. In reality, my reality, this isn’t $132.50 for an access code. My reality is that this access code is going to determine if I succeed or fail. Please help contribute to my success, and later down the road I will do the same. Thank you, anyone, for reading this and helping a college student out.

 

paypal.me/Lindzeh

Okay, I understand that being $3,000 in debt is minuscule to other people.

I worked really hard to finish highschool early, and on top of that I was working between 40 and 80 hour weeks to help myself save up- but life happens.

I was working full time for a year (legal working age in my state is 16 so from the start I’ve been trying my hardest). But in July, I had the option of voluntary quitting my job or eventually getting fired because my boss who is a grown woman was more willing to call me a liar to all of her superiors, than admit the truth and get herself in trouble. If she had been truthful, she would be the one out of work and not me.

Life has this way of making timing either be perfect or absolutely horrible. I had just put down my account balance to pay for drivers ed, when this happened. And the next week I had to sign up for my college classes or else I would not be able to attend college a year early- which I had tirelessly been working towards the last two years. Waiting a year to start college would mean giving up the only real goal I currently have in life- which is to have my associates degree before I turn 19. I know it’s ridiculous, but this is something that really matters to me- so I begged my parents- who are 100,000’s of dollars in debt already, to put two of my classes on their debit card. This has caused my mother to put her own career goals on hold to potentially have to return to a job she does not want to have- and sacrifice things we need because of me.

I feel incredibly burdensome at this point- and I feel helpless as I have applied for over 50 jobs in the past month and haven’t heard anything back from anyone.

I am so desperate at this point I have been trying to sell anything and everything I own that has value.

Even doing so- the last resort has gained me maybe five dollars every two weeks.

And if tuition wasn’t enough- I know have a medical bill I cannot afford to pay but also cannot afford to ignore.

Please, even a dollar would help that this point- I do not know where else to turn. No one takes teenagers seriously, but if my debt continues to pile up I am setting myself up for a life of struggling. My only desire at this point is to be debt free by the time I turn eighteen.

Hi!

 

My name is Bee and I am a current college freshman, doubling in Criminology and Native Studies. After graduating, I plan on going to Law School, then working with an organization like Polaris or Thorn to help bring awareness on the topic of sex trafficking and try to bring more legislation that will prevent it from happening.  I am a first generation college student struggling to make ends meet. I am looking to get roughly 5,000 in the next week (which is hefty, but bear with me for a second).

 

I’m definitely not one to ask for handouts, but this is a very difficult situation. I moved all the way across the country to attend college, which is very important. My mother never had the opportunity to get an education and she always pushed my to do my best. When I was about three years old, her van was t-boned by a drunk truck driver. In the following decade, she was forced to quit working and ended up having to get 7 (!) different surgeries, the most recent being this May. I am the youngest of four and my mother really pushed me to get out of state and make something of myself, which I’m trying my best to do. However, since my mother was on disability, my school requested a verification of non-filing letter from her back in May. Understandable. I contacted the IRS, they sent the letter, but the school informed me that they could not give me my due financial aid because the letter the IRS sent the letter in my mothers name and she isn’t a student. And the billing amount only went live last Thursday so I was completely unaware of my lack of financial aid. The IRS informed me the paper would be sent to me this time, except I won’t get it until the end of the month, and payment is due the 18th. I was told that if I don’t make my payment, then I’ll be kicked out of campus housing, which extreme to no end, but I can’t afford to risk it.  I really can’t ask my mom for help, especially since she’s already drowning in medical bills, so this is my last resort. I’m working full time at a bakery across town and then sprinting to class everyday, but I get payed every other week. I’ve tried everything possible, but nothing is working for me. I’m very stressed and I can’t go back home right now and tell my mother I failed. I refuse to.I’ve cried at least twice within the last five minutes, but I refuse to give up. I’ve even attached a screenshot of my bill as proof.

 

So please, lend a helping hand. Thank you!

 

my paypal tag is: paypal.me/xylophilia

There is not a good way to explain the complexities of my situation other than with a long, detailed explanation. What you will learn from this long, detailed explanation is that I am 32, married, working, and trying to live an average life while carrying roughly $333 thousand (yes 3 3’s) in student loan debt (~76% of that is private, variable interest up to nearly 15% between over a dozen separate loans) , dealing with the progression of my neurologic condition, Kearns Sayre Syndrome, and managing the lasting effects of a TBI from when I was 13.   I am asking for help with my student loans. Because of the interest I’ve accrued and the interest rates on the loans, there is not a repayment option that will allow me to get to a point where I am paying on the principle and keep up with my medical costs and cost of living.

I’ve written a lot of letters, asked a lot of strangers for help, pursued my legal options because I cannot do this on my own. I made a lot of irresponsible decisions during college, but I finished both my Bachelor’s and Master’s in Business Administration from Heidelberg in Tiffin, OH. Today, I carry more than just loan debt, I carry the guilt and shame and hopelessness from my decisions. For the 22 open loans, my payment due this month, in September is $14,831.72. My unpaid interest is $85,468.71. My Unpaid Principal is $247,105.85. The spreadsheet containing my loan details and amounts listed here is attached.

I don’t know what help on this will look like, honestly, but I know that I am paralyzed with fear of making more bad decisions. Based on what legal feedback I have been able to obtain, my best care scenario is to file for an undue hardship after completing a 2nd Chapter 13. Yes, a 2nd. Back on February 25, 2013, I reached out to an attorney to find out if I had any legal options for addressing repayment of my student loans. He advised a Chapter 13 would help me have some breathing room for a period of time (5 years) so I could focus on trying to have a someone normal, less stressful life, so I could consider starting a family with my husband. The attorney, as well as my state trustee’s representatives knew that I was going to come out worse that what I went in, but they allowed me to pay a monthly payment of ~$325.00 to their office which was disbursed then to the creditors. The student loans were included in this repayment plan and received some funds from the plan.

Upon the completion of the Chapter 13, I was right where everyone knew I would be, in a worse position. Apparently, there are circumstances where a person can receive a total discharge of the remaining debt once the plan is completed, but the feedback I’d received is that I couldn’t be considered for that because I’d filed a Chapter 7 on August 19, 2010. So what does this mean? I’m told it means that because there was not enough time between the 2 filings, I could not file for a discharge of the debts, that I would need to again file a Chapter 13, complete another repayment plan, and hope that the laws have changed by then, just like the last one. Another issues is that my debts exceed the allowable amount for a Chapter 7 and are approaching top of the allowable amount for filing a Chapter 13. I am told after that, I’d have to look at a Chapter 11 (which I know nothing about).

Recently, I’d received some additional advice, apply for an IBR on the Federal, pay what I can on the Private. For the Private, I’d be looking at being sued by the creditors, wage garnishment, and lots of legal fees. Lots of legal fees because, of course, nothing comes without cost; there is no grace for the choices I’ve made. I had to walk away from the most recent law office that offered this advice because I refused to sign a retainer agreement that wanted X-amount up front, and X-amount per hour thereafter for anything related to any of the loans, indefinitely. I felt like I was being asked to sign up for another hopeless situation.

There are certain options that can allow for a level of forgiveness on the Federal, but not on the Private (most of mine are Private). I applied for the IBR as suggested, but received a notice that I was denied.  No explanation. Now, I have to start repaying the Federal loans this month at a payment amount of about $815 per month. I mentioned earlier the amount I’m expected to pay this month, so take that $815 from that and that difference is what the Private lenders want from me this month.

I’m not seeing a light at the end of any tunnel here and literally feel like everything around me is collapsing. I know I over-borrowed and I can’t change that. I know I can’t repay all of this, and I can’t change that. I can continue to make small payment to each every month, but that is not going to solve my problem. It doesn’t even stop the letters, emails, or calls. I get calls from Navient several times a day, on weekends, and at hours they shouldn’t be calling me and there’s nothing I can do about it. I don’t dare acknowledge that they’re talking to the right person when I do mistakenly pick up that phone call from an unknown number I’ve not yet blocked because I don’t know what legal implications that could have if I open that communication door. There are also consequences that can come from trying to restructure, refinance, consolidate, or converse about debt. It’s hopeless right now. I’ve disabled my voicemail because I can’t handle the stress of the calls.

I remind myself constantly that I did this to myself. I deserve this. This is because of me and my choices. There are 2 out of the 22 loans that I have co-signers on, 1 Federal (my husband co-signed) and 1 Private (my mom, who is now totally disabled, co-signed for). Both of their credit scores have bombed because the loans are in repayment. There is nothing I can do about it. I’m told constantly I need to find an outlet for my stress and I need to not be so hard on myself, but that’s been impossible for me, especially lately. This is not helping my health issues and is creating new challenges for my health. There are several unexplainable ailments going on – all which could be explained, in part, by stress, but I don’t know for sure; I’m not a doctor. I do know that my weight has dropped below 100 pounds. I’m 5’7. I’ve not been under 100 pounds since I was 13. This is not healthy. I’m dying from this. That’s what it feels like. The pain this stress brings me is awful. I don’t drink enough to say I even drink, I don’t smoke, I don’t do drugs, I do work 45-60 hours a week, I do see several different specialists for medical treatments continuously, and I have met my deducible and out of pocket for my insurance the last two years. I am struggling to prioritize now. Do I continue to keep seeking the medical treatments I need to try to stay as strong as I can despite my disease; do I deprive myself of what little satisfaction I have in life knowing that at least the rest of my bills are paid? I have no other debts other than these student loans and a payment plan I am on with my doctors, willingly and amicably. I have learned that money isn’t something to take for granted, but just like graduating from college doesn’t mean you’ll be successful at life, learning from mistakes does take them back or fix them.

Life has become sad. I’m just so tired and exhausted from fighting a losing battle and I’ve really wanted to make everything go away, somehow. For a long time, to myself, I quietly calculated how much I owed on these loans vs how much life insurance I have. I’ve always thought to myself, if I die, how can I make sure the people I love, that supported me, are not further exposed to this problem. My solution was to always make sure I had enough life insurance. Just in case something happens. For a while, I lived in comfort knowing I was at least worth more dead that I am alive, but now…my loans are higher. As if I couldn’t get any more in the red.

I have put myself out there to many people, open to being judged, but hoping someone would be my salvation. It hasn’t happened. I’m out of options. I’m at the end of my rope. It’s hard to sleep because my mind doesn’t shut off. I’m desperate for it to shut off. I’m alone because I’ve alienated myself from everyone because I hurt so much that I can’t feel the love that people are trying to show me anymore. But, I’m still breathing. My heart still beats today. I plan to show up to work tomorrow, and I want to fight through the pain. I just really can’t do this part on my own.

At the end of the day, when I’m feeling stressed from the overstimulation of everything around me and in my head, I just want to be hugged and told everything is going to be ok. I want to be able to be a good partner for him again because right now, I’m not. As I unravel, so does everything around me. I don’t know how to undo anything anymore, but I do know that if I could start over, my decisions would be different. If only.

 

I’m 23, and after 5 years and $40,000 in loans, I am proud to say that I have graduated with my Bachelors Degree in Exercise Science… or at least I want to be proud. I graduated college with a 3.63 gpa, I have over 500 volunteer/observation hours, I was a D1 athlete, and I worked nearly full time all throughout school, so I should be proud, right!?

Let’s backtrack here just a little bit. My goal in life as far as a career goes, since the age of 14, has been to obtain my DPT, and work as a physical therapist while specializing in children with disabilities. I was going to go to college for 4 years and then go straight to the 3 year doctorate program, I was going to make my family proud, I was going to do everything exactly as I was supposed to… but life happens, and plans don’t always, well, go as planned…

After maxing out 2 credit cards on 2 summer classes, I opt out of taking any more and decided to take a 5th year in college instead so I could use my loans to pay for my tuition. I was in 18 credit hours and working full time at the time applications were due during my 5th year of college, and so I decided to wait until the following year to apply (this year), so I could focus solely on getting the grades I needed as PT school is very competitive.

Fast forward to last month… I’m doing everything right. I graduated, I’m working as a tech in the field of physical therapy for low pay but in return for observation hours, I’ve saved $2,000 to apply to PT school and to get a new apartment, and my family is going to be proud of me, because I’ve almost made it.

Then…

My car breaks down… okay, no big deal, I have a little bit of money saved.

I get a new apartment… something I planned and budgeted for very carefully.

Something I did not plan for… so I rescued a long haired beautiful kitten a little over two years ago. Drake is his name, and I fell instantly in love. Personally, pets have always been a huge part of my life, and Drake really helped me get out of an extremely low place during my college career. Well, Drake got sick and was rushed into emergency surgery (the part I didn’t plan for). I was told he had something blocking his ability to urinate, and his bladder was a little larger than the size of a baseball. They said it was urgent, life threatening, and they needed to either get him into surgery or they needed to euthanize him, but either way I needed to decide promptly.

Wait… what!? As crazy as it may sound, my cat is my life. He is the only living being that depends solely on me to make sure he is okay, so I told them to do what they had to do, as I sat there sobbing in the empty exam room. They told me I would have to pay half up front and half on the day that I pick him up, and that the tech would return with all of the quotes.

So I wait but tell them to get started… the tech comes in… $2,200!?!?!?!?!?!?

I did everything I had to do… literally. I maxed out my two credit cards that I was working to pay off before grad school, I opened and maxed out a third credit card, and I gave them every single dollar in my bank account… every single dollar I had worked so hard to save up, gone.

So now what?

I’m working overtime at my low paying rehab tech job, I’m working nearly 40 hours a week as a server/bartender… and I’m barely making enough money for dinner at night.

I can’t apply to graduate school…

I’m not going to make my family proud…

I’m am suddenly not proud of myself…

I’m lost and I’m exhausted and I don’t know what to do…

I don’t know when or how exactly I lost control of my future because I thought I was doing everything right, but for the first time ever, I’m asking for help. Anything helps. I’m being suffocated by this feeling that life will never get better, because it keeps getting worse, so please… I’m literally begging.

 

 

 

Hello, my name is Savannah. I’m a college sophomore going to school in South Carolina for Journalism and minoring in Arabic and French as well. My dream is to work in third world countries and break barriers between the cultures of the US and war-torn countries like Syria, Libya and Pakistan. I believe that this is an important step in improving international affairs in our country, especially in today’s harsh political climate. It’s a dangerous line of work and my family doesn’t understand why I would want to work so hard just to “get myself killed” as they have said but I have always been passionate about humanitarian work and for people who live in those conditions to have a platform for their voices to be heard, just like the rest of us. This is a big reach for someone like me who comes from a small town in rural West Virginia with parents who are struggling to even make ends meet in a place like this. My big dream required me to move out of state to attend the university closest to me with an accredited Journalism school. I work very hard at two minimum wage jobs and freelance/tutor on the side while also trying to attend school full-time. I sadly had to take a year off because my financial aid wasn’t enough to pay my tuition and I would never want my parents to sacrifice the little money they have to support my education. However, my grace period has ended and I either must attend school this semester or face paying my student loans in full. I have saved as much as I can but have had lots to pay for in the last year. I had to buy a $700 car for my mother, so she could have a way to get to work and paid for my younger sister’s doctor bills, as our insurance doesn’t seem to cover anything. I have lots of pride in myself and think I have a promising future and a strong work ethic but have also learned along the way that there’s nothing wrong with asking for help sometimes. If you resonate with my cause and my story, I would be grateful and honored if you would help me achieve my goals and obtain my education. I current have about $3000 in financial aid for the semester but my bill is almost $7000. I will probably have to be put on a payment plan or take out additional loans anyway but every little bit helps.

My paypal link is https://paypal.me/sweeneysavannah. Thank you so much!

Hello, I am an incoming first generation college student. I have been struggling for weeks because I need to pay my first quarter of college in less than 3 weeks and I don’t have the money for it. No one in my family has ever attended college so no one understands this struggle. My dad works to provide for all 6 of us and my mom doesn’t work so I can’t ask them for help. It kills me to know that others have the support that I don’t, but I know that eventually when I finish college I will be able to have a job that can help me live a better lifestyle. I live in south central Los Angeles and I see horrible things everyday. I just don’t like living here and I wish to one day live in a calm and beautiful neighborhood. I like to get involved with my community by volunteering at the library but sadly that doesn’t help me with money issues. I really don’t want to drop of out of college because I already worked so hard to get into the college I am in. I stayed up many nights during high school to maintain a 4.2 gpa. I got into a total of 6 colleges. It was one of my biggest accomplishments and I feel very proud of myself, too much to give up on my dreams. I also worked for a time at Mcdonald’s but I wasn’t able to save up any money because I had to buy my own clothes and things I needed, and I started working at only 16 years old. I couldn’t even work a lot of hours. I sometimes wish I could’ve been born into a different family, but I am very thankful for the love my family gives me. It just isn’t enough though, and it breaks my heart to think I might have to let go of everything because of money.. does money really buy happiness? I don’t know, but it can definitely help me pay for college, and that sure as hell would make me the happiest camper. I want to help my siblings do what I’m doing and strive for a better life. There’s no way one can do that without getting an education first. Regardless of what anyone says an education that seriously change one’s life forever. All I want is to inspire others to work hard to get into a good college and do what they never thought was possible. I’d be a million times thankful for any help, and i truly appreciate everything from the bottom of my heart. THANK YOU.

(PayPal.Me/jocg16)

https://www.paypal.me/jocg16

Here’s my story: I was the first person in my family to go to college. I started (and completed) my bachelor’s at Indiana University East right out of high school and took out normal, federal loans for my plus a nice chunk of unnecessary private loans – a blind action with unimaginable consequences. I was young with no advice and money from loans at my fingertips if I just signed on the dotted line; it’s impacted my life more than any other event and was just as easy as it was dumb. I worked all through college and have since worked my way up the career ladder since college to a nice job as an accountant with a nice salary, but it still isn’t enough. I simply can’t afford my loan payments ($1,550/month) that start up in October 2018. Though it feels like I’ve done everything right like going to school and working my way to creating a successful career, the decisions I made 5+ years ago are making it unbearably hard to move forward with life. Working hard for a career and not being able to afford student loans is the most overwhelmed and defeated I’ve ever felt.

After receiving my bachelor’s degree, I decided to get my master’s from Colorado State, which I just completed. While I was much wiser and took out the bare minimum in federal loans to pay for tuition for my master’s (unlike my bachelors), the interest from all of my prior loans just kept piling up. I’ve got over $200,000 in student loans as I write this. About $40,000 of that is federal loans from my master’s degree. The remaining is from my bachelors, over $85,000 of that from private lenders with an average interest rate of about 12%. Now I have 2 degrees and a good job in my degree field, which I am thankful for, but in October I start paying around $1,550/month just for student loans. To be honest this is impossible to swing and a burden that’s heavier than anything I’ve had on my shoulders. I’m hoping to be able to refinance and bring that payment closer to $1,050 but that’s still a huge chunk of monthly income that I’ll be scrounging to afford.  I spent my time getting my master’s, going from job to job, climbing the ladder, making more money, and I’m proud of that. It took a lot, but it’s still not enough and that’s a defeat I’ve never felt before.

I know many others are deserving of help; I absolutely put myself in this position. And I’m not here asking for $200,000; ANY amount helps. I can’t express in words how thankful I would be for any help in this journey.  I’m simply looking for a chance to start with a clean slate financially and feel like I’m working hard for myself and not for the debt I racked up as an ignorant college student.

I could never be thankful enough for the smallest of help, but it truly is the most overwhelming burden to think about how far behind I already am this early in my career.

paypal.me/bbowman5683

https://www.linkedin.com/in/brittanym5683

 

Hey there.

I’ve just started my freshman year at college, and I severly underestimated the cost of books for my classes. It’s the kind of things they should teach you how to manage while in high school so that you are able to plan accordingly, but the american education system seems that not as important, I suppose. I was able to get books for 2 classes, but still need to get the required books for my 2 other classes. History required 3 books, which caught me off guard since I assumed this particular course only required 1 (there was a few options and I was told this one was the only one that had 1 book required) so I couldn’t get my other 2. What sucks more is that the nearby discount college bookstore closed like 2 months ago.

Luckily, I have enough left over for about half the cost of the mathematics textbook, which is the more expensive of the remaining 2. The other book is for this one class that’s required to be take by everyone at this school called PY100, sorta like a “How to improve your independent life” type of class. Its roughly about $350 for both ($253 for the Math, $95 for the PY100), but I have $120 already, which leaves $230 to be able to get both books.

I’m still searching for work, which is the main issue for not having the funds. My classes are skewed across the week at the worst of times, so the earliest I could get to a workplace would be by 5pm. Doesn’t leave that much except for food service, but I just left that environment and it didn’t work with me that well. I have a few applications still in reviewing, and I’ll hopefully hear back from them in the coming week. Ones for an adult store, though, hopefully wont resolve to that.

My goal is to not to borrow money from friends, as that feeling of guilt for a substantial amount would be a bit too much for me. Yet, somehow, asking random strangers online lowers my nerves on that a bit. I would absolutely appreciate it if you could spare a couple dimes! I need these books by Sept 6 at the latest before I’m stuck leeching off of colleagues. Thank you for reading!

(The picture are those 3 books for my history credit. They’re used, too)

www.paypal.me/whisker

Hi Everyone! I’m MJ!

I am a 21 year old from Akron, Ohio who is attending a private University in Brooklyn NY. I am studying Sport Management and I serve as the Sport Management Club’s Vice President. This fall semester will be the start of my senior year in college and I am fearful that I will be unable to finish my last year of college.

On July 2nd, my mother underwent brain surgery to repair some damaged nerves that caused pain in her mouth. Her recovery time was scheduled for a month and she was assured that she would be able to return back to work within the first week of August.

On August 7th, my mother found herself back in the hospital due to post opp complications that required her to be put under for another surgery. My mother is an engineer at GE and has now been out of work for almost two months.

We knew that I had a remaining balance on my student account and were told in the beginning of the summer that we would need to pay $11,000 out of pocket in order for me to schedule classes. My mothers surgery was not planned for we would have found alternative ways to save the money if we knew my mother would be out of work this long.

With the unexpected surgery and her absence from work, my mother was only able to pay $6,000 on my bill, leaving the remaining balance at $5,000. I would need to pay that amount by the first day of the fall semester which starts September 4th.

I am asking for help because I have made it this far without any financial problems and I would love to finish my senior year. Anything would help! Thank you in advance. Have a blessed day!

PayPal link:

PayPal.Me/myajjones

Hi so I have never actually done something like this, but desperate times call for desperate measures. Right now I am currently in college to become a pastry chef and I was let go from my job a while ago. I have been trying to find a new job, but everyone wants more experience than what I have. My mom is having trouble at her job since she got back from surgery. She used to have 5 days a week and now they are only giving her 2 days. We are barely getting buy because of my dad’s job, but he is retiring soon. We also take care of my mom’s mom so we have bills for her to pay as well. My parents had to file for bankruptcy so we do not get approved for some loans and other things. I have less than $200 in my account because of bills. I have classes Monday thru Friday and I have to drive an hour there and back. Each class I take I need new equipment like tips, knives, etc. I have a loan currently thru my school for $5,000 and I also have another loan for $5,000 that I got from a family member. Financial aid only covers a little less than half of my tuition. My school sometimes holds back some aid which is hard for me because I have pay it or I cannot take the classes I need. They eventually give it back, but then I have to use it to pay more bills or pay someone back.

I have always wanted to become a pastry chef since I was little because I always had great memories in the kitchen baking. It just gave me a great feeling knowing something I made brought a little moment of joy and warmth to someone. I graduated high school in 2016 and was supposed to go to college after that, but things did not work out because of expenses and not feeling safe. This is my passion and I really do not want to give up on this, but it is getting hard to be able to keep up with it all. I love the college I am at now and I want to continue to achieve my dream. Hopefully someone will help me continue this journey. Any money given would be used for tuition, paying back loans, gas, bills and equipment/books needed. I would honestly be grateful for any amount given so I do not know a specific amount to actually put. Thank you in advance to anyone that is willing to help me out I will be forever grateful and I hope that someday I can do what you did for me to someone else who needs it.

paypal.me/amberea98

Hello,
I am a struggling 27 year old woman who is trying to make a living.  Going to college has put me in a major debt and all the money I make from my current job goes directly to those monthly payments.  I cannot afford to live on my own.  That being said, I have finally found something I want to invest my time in.  I have three horses.  I got my Rocky Mountain mare first, who was abused.  I took her to training and now she is completely rehabilitate and happy.  Cora, my Paint mare is a rescue, who I saved from a kill pen.  From my training class, I used that knowledge to train her and now she is like a puppy dog.  She has also given birth to a Fresian Paint cross foal named Velvet.  I want to continue training, breeding, and giving horses a second chance.  This has become my passion, but due to money problems, I cannot continue this.  My Aunt was paying for board at a place we rented which had a barn and pasture because she also has 2 horses.  I did all the work (feeding, cleaning, training, etc.) and tried to help pay for hay and board every time it was needed.  Now she is backing down from everything and I have to find somewhere to put up my girls by November.  What I’d really like, is to buy a small farm with at least four acres to put my girls at.  I don’t need anything fancy, I just care more about my girls and they get the best before me.  I have even looked at a foreclosure that would be perfect, but every time I inquire about it, it leads to a dead end.
I don’t want to sell my girls.  They’re like my kids and they are my only therapy.  It’s not fair to them after I’ve gained their trust. Any kind of help would be greatly appreciated. Thank you for looking and caring!

Hey all,

so first of all I’m not super sure how to verify the authenticity of my situation that I’m about to describe, so I’m hoping that a little good faith in the fact that everything I write will be 100% accurate will inspire a super kind Samaritan to share a little kindness with me :)

So about three years ago, very shortly after starting college, I started having these strange illogical experiences that were affecting my reality, like hallucinations or feeling strange nonexistent sensations on my body or thinking I had strange powers of all sorts. In the beginning stages, it was somewhat amusing, but as my condition progressed, these hallucinations and delusions started to become more severe, lucid, and traumatizing. Now because I’m schizoaffective, I frequently experience those aformentioned psychotic symptoms in addition to crippling depression.

I had always been sweet and bubbly and cheerful from childhood, and I guess it was the memory of who I once was in my younger years that caused my family to be in denial that I was suffering from anything that I didn’t just impose on myself due to lack of self-esteem or such. Honestly, that’s probably why my condition progressed to the severity it did, because we were all in denial and so I was reluctant to seek help.

Now that I’ve matured and taken the responsibility upon myself to manage my health, I’ve received good medications and therapy and feel so much better about life!! I haven’t had any suicidal idealizations or psychotic breaks in 13 months! (I’m very proud) The only issue now is that I’ve had to leave school because my healthcare costs have left me with no money for college or a place to live. I’m on my mom’s insurance and my big brother was kind enough to take me in his apartment but I’m sleeping on his couch haha. I have moral support from my family now which is a blessing, but neither they nor I have the funds to help me continue in school or have a place to live, as no one in my family has ever gone to college or has a high income.

I’m finally feeling optimistic about living life, and my dream is to finish school and make my family and myself proud. I was so close, I only have 2 semesters to complete and I’m praying that someone with a kind heart will see my journey and share my excitement with me about being so close to reaching my dreams despite having to recover existing in a world that resembled a scary acid trip through my schizoaffective eyes. I’m so close! I would be forever grateful for any amount of support.

God bless you, angels :)

Hi everyone I am currently enrolled as a nursing student, I attend school full time and work part time. I attend a private school and there is no financial aid,  therefore I been working just to pay for school and sometimes working just isn’t enough to cover my tuition. It is hard attending school , juggling work along with trying to study for a test the next day after having to have worked, making things that much more difficult. Sometimes to study for a test I have to have someone else cover my shift then , I worry about not having enough money to make my school payment. So I kindly ask if you can help me pay for nursing school. My tuition total is $30,000.00. I constantly stress about trying to pay for school. Thank you for your time. A nursing student in need of help.

https://www.paypal.me/JeanetteSS