to whoever is willing to help.
My name is elvins, im a 22 year old college student and work part time in an office in NYC. i am a fine arts major with 2 semesters left to graduate and i have been working at my office for the past 2 1/2 years. Recently my struggles have caught up with me and i’ve been slammed with alot of debt. I have tuition to pay for and i do not get financial aid , rent to my parents to pay and i have come into debt with the IRS and with NY State. This because my job decided to label me as a contractor and pay me by check with no tax. Any would be happy to be tax free but this isn’t the case. I did not want to be labeled under contractor and i worked full time hours. I’ve worked my ass off for the company and i feel as if they did me wrong. Not only that i make minimum wage and get paid by-weekly. i am struggling now more than ever. I cannot afford to pay my parents rent for my room and i cannot afford to pay my tuition. I missed a semester before because i could not pay out of pocket. And my manager Ray paid my semester last year. i still owe him $2,700. he has been the kindest in helping me out. but it seems now i have no help. being a full time student and worker has become hard on me. And i do not have time for myself or my friends or family or even my girlfriend. I’ve come into a depression realizing my hard work isn’t enough to pay my dues. for the past month my paychecks have come down to the wire and i’ve been eating cream cheese bagels to save and get by. I am an excellent student last i checked i had a 3.6 GPA. i have a passion for art and communications. i want to continue my career and explore new ideas. One being a podcast for young adults and students to speak on their life experiences. I am very proud of my ambition to start a podcast. However due to my situations i cannot even afford it. I havent bought anything for myself. not clothes not shoes or underwear or what not. I’ve sold my xbox and my old phone, ive handed out flyers and helped some friends move to gain some cash. However through all my efforts i cannot afford the debt that has been handed to me. By April 15th i have to pay a total of $1,500 to the IRS. I also owe a past due tuition balance of $1,500. and i owe my manager Ray $2,700. all within such a small time frame i have become overwhelmed and in need of any help. To be 22 years old and in debt isn’t fun. i want to go back to being stress free and i do not want to worry whether or not i will attend my next semester. In a sense i want to get my life together and improve. but i cannot do it alone. and i cannot afford to keep going. But i will not give up on my goals. i always put myself before others and offer when i don’t even have it. If i’ve done anything to deserve this then i can accept that but i know i am an honest person, a hard working and very ambitious. I only seek the help needed to get me by. I wish to be debt free and feel free. i want to enjoy time with my friends and family and enjoy being in school again.
To whoever is willing to help me i sincerely thank you