I'm a recent college grad that has ran into a financial roadblock so I need some advice. In December I graduated with a bachelors of science with a specialization in child psychology. I aspire to be an applied behavioral analyst but in order to do so I must return to grad school which requires me to take the GRE (approx $200). If I don't go to grad school by fall my student loans will stop being deferred and I'll have to pay that monthly as well. I currently work at Olive Garden ($9/hr) and a trampoline park ($8/hr) neither of which provide great hours but I work enough hours to never see my friends or family.
Because I am now done with school I want to move back home with my parents in order to save money but I still have two more months of my lease left ($350/mo). I was trying to sublease it but haven't found anyone interested. I had a little bit in savings but I recently got towed (despite parking in the designated location) which depleted my savings. I was going to sell my game system and other valuables but at the beginning of the week My home got burglarized so I guess they beat me to it. My parents have paid for me to go on a family cruise in two weeks but I have to pay for my own excursions which is nice but my mom has been raving about all the excursions she wants us to do despite me telling her it's out of my budget. So I somehow have to come up with enough money for at least one excursion so that she won't have my head.
I tried taking out a loan for $1000 because last semester I took out one for $1500 with no problem and paid it off in five months. For whatever reason the same bank told me I didn't qualify even when I tried to take out $700 instead. I checked my credit and everything was in good standing; I couldn't see my actual score but I've always paid things off and on time so I don't understand why I got denied. I was going to use that loan to pay off my rent, move back home, and have some vacation money. But now that the loan has fallen through I'm pretty stuck. I've tried taking odd jobs off Craigslist when I'm not working, picking up extra shifts, and even attempted to sell my panties on sketchy websites but nothing has really worked.
So my options are: Stay in my college town, work both jobs to make just enough for rent, and rely on the food bank and tips for food and gas. Or, go home and hope to find a job there to pay off my rent while also having food and transportation provided. Or, find another reputable loan provider outside of my bank to try to get a loan asap. I know this was lengthy but I really need some informed advice before I turn to a life of crime (like I've seriously considered it)
Submitted May 16, 2017 at 09:22PM by Sade1994 http://ift.tt/2qpJlKU
