I am in a huge debt and college mess and have no idea what to do?
I have no idea who to talk to in real life about this. Me and my family are stumped, depressed, tense, anxious..
I'll just start from the beginning.
I graduate HS in 2007. I got accepted to about 6 different colleges. I lived in Alabama, and I moved to Atlanta, GA to attend college. I picked the Art Institute of Atlanta. I wantedto major in game design, but I ended up changing my major to web design (first mistake. Or possibly second, if going to AIA was the first.)
Well, fast forward to 3 days ago. I have 4 classes left to graduate. I have been funding my entire education with loans, so I'm about 130k in debt incl. interest. I have just enough money to continue college. But I have been living off of my student refunds because I lost my job last year and haven't found a stable one yet. I've been getting paid under the table, and now I am completely out of a job.
So what the hell do I do?
I have enough loan money to finish school but I have no way to pay my bills or rent. My utilities are in disconnect notice, my rent is due in 2 days. I have 0 in the bank and about 00 in bills due in the next week. I owe so much money to debt collectors. Thank gosh I don't have any credit cards. My only debt is from huge past due utility bills and a hospital bill. (No insurance)
So... my options are either find a job yesterday that pays about 00/mo immediately, pack up and move back home (with what money?) be homeless, live in my car..
If I do move back home, I'll have to get rid of my pets. which is the most heartbreaking thing I'll have to do.
I'll have to sell my furniture, give myself more debt by breaking my lease, ending my internet contract, my gas, electric, water, trash contract. In that alone I will rack up about 00.
But I can go to a cheaper college. But I won't be able to major in web design.
So I'll practically have to start over from scratch and rack up more debt.
Or I could not go to college and see if I can find a job with a half of a degree. But serious, home is a town with one stop light. I'm not going to find a web design or web development job in Gadsden, AL. I'm going to end up working at burger king or the dollar store.
/hr isn't going to put a dent in any of my debts or bills.
I don't know what the hell to do. I am at a loss. A complete loss..
Please give me advice or tell me who to talk to IRL.
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Well, you are quite in a huge mess, but maybe there is a solution. If the only thing you need to do in order to finish is to get 4 more classes, then get a job in you field and tell them that you are going to graduate really soon.
I know a decent web designer with a B.A. can earn at least over $30k, which should be enough for you to survive a pay a little bit your bills. I have to be honest with you, you are going to probably live in the poor house for the next 10 years while you pay that horribly high tuition, but at least you have this "escape route".
I am sorry you got in one crappy for-profit university like those AI franchises. Believe me I try everything that is in my power to convince people to don’t do it.
idk man ur in th ehole
I see your dilemma. Have you thought about the Air Force Reserves? Just a thought. Also, you’re studying design, right? Are you good at Photoshop? Well, in 3D Imaging class my teacher told us that fashion magazines are consistently looking for people that know Photoshop to edit hordes of pictures (she said back in the early 2000s she was making 75 cents a picture for minuet editing). Apparently they’d send her about 1000 pictures to edit and she was paid as a contractor. Maybe you can find something like this.
Don’t give up though. There’s options for people with talent. And don’t quit school especially if you’re 4 classes away from getting that diploma.