Paying Back Student Loans Early – What You Should Know

What should I do? School vs Being happy…?

I’ve always heard that psychologist can always help others with their hectic lives but then who helps the psychologist? The psychologist, being human, can’t solve his or her own problems all by themselves. Not saying that I’m a psychologist… but I think having other peoples’ opinion may help put the puzzle pieces back together.

So, I’m 19 years old. A freshmen in college. My first semester didn’t turn out too well due to some uncontrollable issues. But here I am… going in for my second semester, and changing my major around completely. My problem lies completely within myself. Personally, I think it’s all emotional. In high school, I NEVER had a problem with going to school and working my ass off. I graduated at the top of my class and got a boat load of money in scholarships. The only problem now is I don’t feel like I’m ready for a four year college. I keep trying to stay focus but it just isn’t working. So now, it’s mid-semester and I’m beginning to slack off and everything about the meaning of life is just coming crashing down on me. I definitely feel like I’m not a class room person. I’m also completely sick of waking up 2 hours early just to sit through hectic traffic to get to school. Even when I get there there’s no parking spaces or I end up paying 14 dollars because the meter ran out before I got out of class. It’s just so frustrating.

Okay, to the point, I know…(This probably should have been blogged some place):
I’ve taken about 4k in student loans… but I don’t like school. Basically, I want to drop out.
My other alternative, since it’s close to summer anyways, is to move to my boyfriend’s… who I’ve currently been in a long distance relationship with… and get a full time job at a restaurant or somewhere… make some extra cash, and finally put myself back in a 2 year college just to get an associates degree in my hands.

To end it all, I just want to get the hell out of my parent’s house and on my own…. and with my boyfriend. The only thing I’m worried about is paying off loans and breaking the news to mummy and daddy.

Any suggestions?

Should I Steal Money From My Own Business? What would you do?? 10PTS?

I’m 21 and started up a small business in 2009 with my sis (she’s 19). We attend conventions all over Canada selling cartoon and videogame merchandise. Today I had a falling out with both my sister and my mom, because I mentioned wanting to be paid back for the money I put into this business. Not all at once, of course, I’ll accept a little at a time. There’s approx. $2000 owing to me. Whenever I mention being reembursted ppl just roll their damn eyes. Honestly, I feel like I’m being pushed out of the business I started!!!!

My mom acts like the whole business idea was my sister’s, and whenever my sister buys products for the business, my mom makes sure her reemburstment is priority #1. Over me getting paid. It’s so unfair, I need money too! It’s the reason I wanted to be an entrepeneur in the first place. I go to university and pay my own way through. Neither of my rents have given me a f**king nickel for my education. And now my mom acts like my sister should be paid more than me because she’s currently paying for most of our stock. In 2009-2010 my three credit cards were nearly maxed out buying supplies for this business, the monthly interest was crazy high. (Sometimes $70.00 on one card alone). I had to use most of my student loan to pay off two of my cards earlier this year. My mom never cared if my credit was being ruined.

At this point I’m contemplating leaving this business behind for my mom+sis, or stealing back my money overtime.

What would you do? I need advice. I dislike them so much right now.

should we file for bankrupcy?

we were in school and made the mistake of buying a house too early. we are paying our mortgage and car payments and can’t afford to pay back much else.
we now have about 25k in delinquent credit cards. they are all “charged off” at this point. we also have public and private student loans, some of which are on our credit report as “Claim filed with government for insured portion of balance on loan.”
we make enough money to get by but too much to file chapter 11. what does a chargeoff or government claim mean? will we ultimately have to pay back any or all of these debts?
i expect that we’ll have to pay back student loans.
how will the repayment plan with chapter 7 be structured? my fear is that we’ll end up with less money at the end of each week than if we stuck it out and paid everything back, and be stuck paying for 5 years.
any ideas???

Am I better off going back to school to get a degree and a better job or being a stay at home mom?

I am 32 years old and have three children 5 7,9. I work part time 5 days a week right now making $13.50 an hour. I work with my father and must quit soon. If I go back to school it will take me at least 2 years full time, I will have to get a student loan and pay it off, and I risk not making a lot of money. –OR– I can be a stay at home mom. I can concentrate on saving our family money, we can sell one car (my husband works midnights and we only need one car if I stay home). I don’t know what to do. I asked a question about jobs earlier and everyone who went to college made less in their career than I do now (granted only 4 people answered). Any suggestions out there? Any good jobs I can get with a 2 year degree or should I just stay home?

I feel like my husband is a screw up. What should I do?

Hello all. To make a long story short, I have been married to my husband for a year. I am expecting out next child in three months. I don’t have issues or concerns with him not going to work but with him afterwards. I know certian wives don’t know how “stressful” a man’s job can be but we use to have the same job and really the harddest part is organization and waking up early in the morning.
Three years ago, my husband was in a car wreck. The doctor told him to recover and within the year, he should be better. Well he hasn’t really changed his diet and after work, he lags around complaining about his leg pains. I try to be reasonable and encouraging but now after a year and a half of the same whining behavior, it has become annoying. Plus I have a toddler to take care of and I’m pregnant. It is soooo hard working from home, teaching my child, maintaining a clean home all while I’m pregnant. When I ask him to help, he complains abiout his legg hurting. I don’t know if he’s being a puck or if he is serious. I’m pregnant, working on my last leg and I feel so alone taking care of the family.
Also we have been doing great into saving money. Well recently, he lost his wedding ring and got caught up with some buddies (that he just recently met three months ago) in a theft bust. The police officers said he didn’t steal anything but since he was with them during the time the thief ran, he had to pay restutition. But he didn’t call me that day when he was in jail for two hours. He called his mother! Not me! I was worried for over four hours b/c he was suppose to go to the store, order food and come back. Imagine your husband not responding to his phone calls and his family ignoring your calls b/c they knew where he was. They claim they didn’t want to worry me but I can handle stressful situations and not them. The nerve. I just wanted to know if he was ALIVE and not in a ditch somewhere. To top that off, we just paid back pay for student loans that he “didn’t realize he had.” Needless to say that my savings is now a Happy Meal and I resent him. I’m not afraid to admit it but I know it shows now when he comes home. I feel like every time we are trying to get ahead, he is pulling me back. I really don’t talk to him anymore. I go to another room or stay on the computer. I don’t know what to do b/c I’m fed up. Any advice.
He’s back at work.
I have told him. He says he’ll fix the problem but it goes back to the same old same old in about a week.

Should I Steal Money From My Own Business? What would you do?? 10PTS?

I’m 21 and started up a small business in 2009 with my sis (she’s 19). We attend conventions all over Canada selling cartoon and videogame merchandise. Today I had a falling out with both my sister and my mom, because I mentioned wanting to be paid back for the money I put into this business. Not all at once, of course, I’ll accept a little at a time. There’s approx. $2000 owing to me. Whenever I mention being reembursted ppl just roll their damn eyes. Honestly, I feel like I’m being pushed out of the business I started!!!!

My mom acts like the whole business idea was my sister’s, and whenever my sister buys products for the business, my mom makes sure her reemburstment is priority #1. Over me getting paid. It’s so unfair, I need money too! It’s the reason I wanted to be an entrepeneur in the first place. I go to university and pay my own way through. Neither of my rents have given me a f**king nickel for my education. And now my mom acts like my sister should be paid more than me because she’s currently paying for most of our stock. In 2009-2010 my three credit cards were nearly maxed out buying supplies for this business, the monthly interest was crazy high. (Sometimes $70.00 on one card alone). I had to use most of my student loan to pay off two of my cards earlier this year. My mom never cared if my credit was being ruined.

At this point I’m contemplating leaving this business behind for my mom+sis, or stealing back my money overtime.