138
submitted 1 year ago by blujan@sopuli.xyz to c/asklemmy@lemmy.world
you are viewing a single comment's thread
view the rest of the comments
[-] Oka@lemmy.ml 13 points 1 year ago

Debt to family members. If I pay them off, I'll have a reason to keep living. If i decide to run or kill myself, then I'll just be "a coward" and "selfish".

But I've had bad luck my whole life. I hope I'll be able to pay them off one day, but the idea of suicide has been crossing my mind daily. I've been unemployed since covid except for 1 job which lasted a month, and another job this December which may only last a month.

I am out of money. I just graduated university with a Bachelors Degree, and unlike most of my colleagues, I've been unable to get a job in the industry.

My school loans are coming to collect in January. My whole family is poor. I'm the realistic example of a poor person graduating with a degree. I'm stuck poor, and I will probably die poor.

[-] Changetheview@lemmy.world 5 points 1 year ago

Getting your first job after getting your degree is arguably the hardest time in your career. Just remember that it only takes one. Keep applying. Get help with your resume. Practicing interviewing and always have an appropriate outfit ready to go. You can do it.

I’m not saying it’s easy nor that you should be overly selective. Your struggles are valid and job seeking blows. But just keep trying. If others have been able to get a job in the industry, that’s a good sign. I know it can be hard to see and compre yourself against, but it does not mean you won’t follow.

Earning a degree is a major accomplishment and one you should be proud of. Loans can seem overbearing and stressful, but if they’re federal student loans, you can get on an income-based repayment plan to alleviate a lot of pressure. If you’re not generating income, the payment is usually $0. Very normal for new graduates and some people stay on them for a much longer time. Do not neglect these payments. Make sure to apply for this well before your first payment’s due date (probably now if your due date is January).

Just keep on trucking on. One day at a time. Your family cares enough to help you out and you’re in a tough spot. Keep trying to improve and it’s likely to happen. Lean on all of your contacts, friends, and personal drive.

[-] corsicanguppy@lemmy.ca 4 points 1 year ago

Just remember that it only takes one.

This. You only have to win once.

[-] Oka@lemmy.ml 3 points 1 year ago

I have applied for the income based payments, but I also have 2 other loans that were deemed "personal loans" which makes up the other half of all my loans.

I'm at over $100,000 USD in debt. If I don't pay it, they're going to come after my family members who cosigned, and they can't afford to pay it either, so we're all fucked if I don't make payments.

BTW I was late on 1 payment and they slapped me with an additional $70 on my regular payment of $25. This is why I've thought about ending it. It won't be my problem anymore and I won't have to consider the consequences.

I'll just be gone forever. But I also don't want to do that to my family if I can help it.

this post was submitted on 07 Nov 2023
138 points (97.9% liked)

Ask Lemmy

26980 readers
577 users here now

A Fediverse community for open-ended, thought provoking questions

Please don't post about US Politics. If you need to do this, try !politicaldiscussion@lemmy.world


Rules: (interactive)


1) Be nice and; have funDoxxing, trolling, sealioning, racism, and toxicity are not welcomed in AskLemmy. Remember what your mother said: if you can't say something nice, don't say anything at all. In addition, the site-wide Lemmy.world terms of service also apply here. Please familiarize yourself with them


2) All posts must end with a '?'This is sort of like Jeopardy. Please phrase all post titles in the form of a proper question ending with ?


3) No spamPlease do not flood the community with nonsense. Actual suspected spammers will be banned on site. No astroturfing.


4) NSFW is okay, within reasonJust remember to tag posts with either a content warning or a [NSFW] tag. Overtly sexual posts are not allowed, please direct them to either !asklemmyafterdark@lemmy.world or !asklemmynsfw@lemmynsfw.com. NSFW comments should be restricted to posts tagged [NSFW].


5) This is not a support community.
It is not a place for 'how do I?', type questions. If you have any questions regarding the site itself or would like to report a community, please direct them to Lemmy.world Support or email info@lemmy.world. For other questions check our partnered communities list, or use the search function.


Reminder: The terms of service apply here too.

Partnered Communities:

Tech Support

No Stupid Questions

You Should Know

Reddit

Jokes

Ask Ouija


Logo design credit goes to: tubbadu


founded 1 year ago
MODERATORS