I am 28 years old and it feels like hard work just isn’t enough anymore. I hardly ever ask for help and it’s hard for me to do, but I have made my own way for such a long time that it’s starting to weigh on me. I have been paying my own bills completely since I was 21 years old and taking out loans for my undergrad and now grad school. This entire time I have been in school I have also been waitressing almost full time while being in school full time.
Of course, I am still trying to build my life and I know that there is an end to this. However, it just feels like every time I get in a good place something happens that sets me back financially for months. I know that money will always cause stress but I am just starting to break under the pressure of all of it. My stress levels have been astronomical I feel that because of it I am unable to show up for anyone or myself right now. My gastritis is flaring up as well because nothing gives me relief between the deadlines of school and bills I never get a break.
I live with my boyfriend who is a good support system but beyond his half of the bills, he is barely working since he is pursuing his engineering degree. We have a dog and three cats that we manage to pay for pretty easily, but if anything were to happen to them it would be another source of debt for us. I am currently pursuing my master’s degree in Clinical Mental Health Counseling and I want to be thankful for the opportunity for my education, but I am so stressed about money that school suffers because of it.
It feels like what I am asking for is a miracle, I know that my situation is not unique but I just don’t know how much longer I can do this. I try to do everything right and like so many young people in America it feels hard to be hopeful or excited about my future. We want to save for a house and a life, I want children so badly but I hardly have anything in my savings account because I simply cannot get ahead.
Any amount of money would help me out at this point even having a 100 dollar bill taken care of would leave me a little more money in between paychecks. In an ideal world, $4,000-8,000 would help me immensely. I have a few credit cards and large expenses that I simply cannot pay for. I still owe on my state taxes and have backlogged property taxes as well as a tremendous amount of student loans. I know that the website said no pictures from the internet but I have no paper bills to represent my debts so I have attached some from my credit karma. I would be eternally grateful to anyone who would be able to help.