Hey guys so this is a throw away account because reasons and let me just explain my situation a little bit:
Keep in mind some of this is incredibly embarrassing and so it's hard for me to say aloud.
I am a 24 year old male living in Denver, and had the pretty traditional middle class high school experience; I was expected to attend college and given pretty much no alternative. I attended out-of-state college using WUE to get not-quite out of state tuition costs to my university. I did well my first two years, failing one course with a D because it kicked my ass. Now, at this point I had been pretty drained from working and attending class and needed a break so after the spring semester of 2015, I decided it was time to take a break to work and save. I began getting used to not having to attend class and decided to take the entire year off rather than the semester and it eventually steamrolled into me just kind of enjoying life and not wanting to go back.
This is where the fuck ups begin: my parents essentially helped me set up the entirety of my student loans and so everything was in my name (mostly). And while my parents knew I was taking time off, I was unaware of the fact that I had to be paying off my loans, no one ever really explained to me how long you had to do it, possibly the dumbest thing I had ever done. So by this point my parents had moved houses a few times due to my dad's work and I had been bouncing around apartment complexes which is why Im assuming the Department of Education took so long to get in contact with me. I always got random phone calls from unknown numbers but I just blocked them and they never left any voicemails so I just figured it was a spam number. One day, I decide to answer and a gentleman tells me who he is with and that I am about to enter default on my loans if I do not begin paying. I essentially panic and just... well... do nothing. My loans enter default meaning they are now visible on my credit and I am no longer available able to take out any student loans. I've been paying them off now for about 2 years and have gotten them down to just under $11K.
In the meantime I have been working dead-end retail and food jobs paying off the debt as it comes in, and as of last year went back to school. I have about 70 credit hours out of 120 to graduate with my BOS in Computer Science. I know pretty basic coding and some stuff across Java, C++, HTML, Python, and Ruby (my next round of classes is where I go in deep). The issue I am coming across now is how expensive classes are, I literally cannot afford to take more than one or two a semester and my credit is fucked. Paying off the amount I owe isn't too bad, but when coupled with paying for classes I can barely afford to eat some months. After some of my family found out what was happening with me they pretty much disowned me and so I can't really go to them for help. The family I'm with now has debt of their own and they allow me to live here so there is no way I could ever ask them for help.
I don't know where to go from here, I can't take out any kind of loan to assist with school because of my credit score. I had to move in with some family to be able to afford my loans and the cost of living. I am not qualified for many jobs. I just don't know what to do anymore, do I stop going to school and focus on finding some kind of job that pays decent until my loans are paid off? Do I just suck it up for the next two or three years?
I don't mean to throw a full on pitty party I'm just feeling incredibly disappointed in myself for how much I just shot myself in the foot so early on in life. And I am in genuine need of some advice from people who know what theyre doing or have gone through something similar in life. Anyways, I apologize for the ramble and any advice would be much appreciated.
Much love
Submitted March 24, 2019 at 01:46AM by randomaccname123456 https://ift.tt/2TU2KnA
