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Not new to loans – but new here:-)
October 6, 2015
2:13 pm
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October 6, 2015
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Here goes…
I posted over in the help area – just thought I would introduce myself and my mess.

I am 146,000 in federal + 18,000 in private. For the past 2 years after learning how deep I really was, (so easy to ignore when you’re not staring it down), I have had nightmares every.single.night!

History: I started at my local community college – I obtained an AAS in IT(should have stopped there). Then I went on to obtain two BS degrees, one in leadership and management, the other in computer science – lastly…I went further and finished two masters degrees, a MSMIT and MBA.I work in a lower level IT job for the government.

Back to the nightmares. I cannot see past the debt, I see these huge payments I cannot make…I just want to run for the hills and hide. I know I cannot do that, but I was so young and so dumb…I feel trapped in my job because of the crushing debt and the possibility of PSLF.

I am currently in a degree program that work is paying for so I guess I am school addict (which is fine by me:)).

I owe more on my student loans than I owe on my house, car, and credit cards combined.

I am sorry if this is disjointed – I am just scared, worried, and really feel stupid. I am seeing a therapist for the dream issues and anxiety…so there is help. However, I worry by nature and this problem is huge. Take a trip over to the other forum to see the steps I have taken.

Thank you for hearing me out.

October 6, 2015
5:55 pm
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Welcome to the community!

Perhaps a bit of good news will make your day a little brighter.

The fact that almost all of your loans are federal is awesome. If you had 146k in private loans, your situation would be significantly worse.

Being in a lower level IT job also comes with a major advantage: public service student loan forgiveness. This program could be worth a small fortune to you, so it might be worth your time to check out the following information about the program: https://studentloansherpa.com/public-service-student-loan-forgiveness-basics-fine-print/

Thanks again for stopping by, and hopefully as time goes on your will evolve from being new to the site, to someone offering first hand experience to the next round of new people.

October 7, 2015
7:15 pm
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October 6, 2015
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The Sherpa said

Welcome to the community!

Perhaps a bit of good news will make your day a little brighter.

The fact that almost all of your loans are federal is awesome. If you had 146k in private loans, your situation would be significantly worse.

Being in a lower level IT job also comes with a major advantage: public service student loan forgiveness. This program could be worth a small fortune to you, so it might be worth your time to check out the following information about the program: https://studentloansherpa.com/public-service-student-loan-forgiveness-basics-fine-print/

Thanks again for stopping by, and hopefully as time goes on your will evolve from being new to the site, to someone offering first hand experience to the next round of new people.

Thank you for all this info – I am resting a bit easier now – this stuff is scary to say the least. I will of course keep you folks updated – hopefully it will all go smoothly!

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