#loan cycle
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I am Trapped in Loan Cycle: How to Get Out of It?
Being trapped in a loan cycle can feel like you are on a never-ending financial treadmill. With each step, you struggle to keep up with the interest and payments, only to find yourself borrowing more just to stay afloat. If you find yourself in this daunting situation, know that there is a way out. Here are some steps to break free from the loan cycle and regain control of your financial…
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#avoid new debt#budgeting#credit counseling#debt consolidation#debt relief#debt repayment strategies#financial health#increase income#loan cycle#money-saving habits
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as we approach the start of a new semester i'm sending all the compassion and empathy in the world to students who struggle with procrastination and what I affectionately like to call the Shame Monster that goes along with it. it sucks to always be treading water and feeling like a fraud to yourself and others, especially when it's something you truly care about. if you're always thinking "why can everyone else be responsible and organized but not me," your brain is overgeneralizing. you're not the only person to experience being overwhelmed and stuck. and even IF everyone else balanced their life perfectly, that wouldn't make you a bad person for struggling. if you care about something but keep avoiding it and don't understand why, there is probably more going than you realize. if your physical and mental health are being neglected, then you're never going to be able to accomplish what you want to do because you don't have any gas in the tank. it took me crashing and failing last semester for me to finally admit to myself that i was suffering from some SERIOUS burnout. i had this whole plan for research i was going to do over the summer and all these opportunities i wanted to take advantage of that i couldn't do because i was neglecting to take care of myself. the worst thing my anxious brain told me could ever happen did happen and i'm still alive. i hope that doesn't happen to you, but know you can recover and come back better. also: it's okay to stop wanting what you thought you wanted, or to take a different path than the one you were "supposed" to. don't do things because you think other people expect you to, or because you think it's too late to change your mind. that isn't sustainable. your college experience is for YOU, not for other people. you can do this!
#these are things that have been said before and im sure other students have figured it out earlier than me#but as i go into my senior year this is the advice i would have given myself four years ago and the stuff im still trying to remember#so maybe it will help someone else :)#*me remembering how i flamed out 3 months ago* girl its FINE YOURE FINE#this was not my hot scholar summer. but it was my ''treat your depression and stop wanting to kill yourself'' summer so i consider it a win#still have makeup work to finish. i'll get there#also i hope this doesn't sound preachy#i have a significant amount of privilege as a student#i dont go to a prestigious uni but i have a full scholarship so i get to study want i want and not worry about loans (<- american)#i have professors who have been flexible with me and supportive family#i know other students have individual economic social familial etc. pressures that complicate what i said above#im finally trying to work with my brain as it is and get out of the AWFUL procrastinate->overcompensate cycle that i've been in for 3 yrs#i dont have adhd afaik but i find posts about executive function struggles EXTREMELY relatable in a way that is probably connected#to my anxious depressive brain#you can ignore my essay this is basically a therapeutic exercise lmao
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love/hate relationship with reaching the stage of a hobby where if you want to get better at it / more into it you’re going to have to start accumulating really specialized skills. like aw fuck i have to study this. but also yay i get to study this!
#this is abt me realizing if i want to read more ulster cycle texts i’m going to need to 1. learn early modern irish#and 2. get better at paleography#and somehow con my way back into getting institutional access bc i lose mine in a month#i have never once used inter-library loan for my major. it’s only been for folk music and medieval irish stuff#like my modern irish is already bad. i should focus on that (not least bc there’s actually resources). but….#me
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Man, I hate living in debt.
#1k a month alone in debts to pay off#student loans being the worst brunt#literally the entire reason why i cannot move out and likely won't be able to for God knows how long#how many times do i address this depressing cycle? too many#i just want my own space my own life#that's it#personal
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#i am just so scared that we are going to be stuck in a cycle of relative poverty now due to scribe being sick#like we were doing okay but realizing i'm not going to have enough money from financial aid this year has messed me up#the only reason we were doing okay was because the state was willing to give me money for school. and now they're not#basically entirely because i'm a non-traditional student too#and like what comes next#i want to go to grad school so badly. will it just be more of this?#will i be saddled with so many loans we can never afford to have our own place or feel secure and not guilty for having nice things?#i can't support us both on a student's not-salary#and i'm scared that me going back to school is just permanently screwing us both over now#or alternatively. will i have to give up on my dream so we can live#it was different when she had an income#now i just feel bad and selfish for pursuing something i care about#and like i'm morally in the wrong for not just dropping out and finding work somewhere even if it sucks#i'm so tired. i don't want to be crying about money right now#but here we are i guess
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between my computer deciding to rebel, and work, and life, and I feel like I have a perpetual minor cold with that kinda slightly stuffy feel and that taste in the back of my throat,
I am kindly requesting someone to just Old Yeller me at this point
#the computer one is pissibg me off particularly because i Just built this shit two years ago#then i do a driver update a couple of weeks ago and start noticing that now if i game and watch a stream at the same time#some windows process starts choking the fucking life out of my CPU after a couple of hours#and after following a chain of looking shit up i get to ghe event viewer#and there's just a nonstop parade of errors for typically one or two things#at this point i drag my dad in because im out of my depth#i do some more shit. i update and reflash the bios. i check drivers 500 times. i reformat the drive and reinstall windows from scratch.#even if it seems okay for a bit it eventually starts shitting out errors again.#they are either about DeviceGuard or complaining about the network#i look up some more things! i find some references but they tell me to turn off or on some things that are already enabled or disabled.#we begin thinking theres something wrong with the network part of the motherboard#i have an adapter we grabbed from work to try when i get home.#if that doesnt work then i am buying a new motherboard cpu memory and cpu cooler#because if im going to have to fucking replace shit then i might as well upgrade#part of me wants to keep the old stuff and set up a new computer and try troubleshooting because puzzle. and i hate not knowing WHAT PART#SPECIFICALLY is fucked#bro i am so TIRED#i JUST did the math a few weeks ago and was like YES if i live on ramen for a few pay cycles i will pay off my credit card and start saving#to put toward my student loans when those start up again. and my computer went 'lol thats cute'#like i am deathly afraid that i will replace all this shit and it'll STILL have this issue#like. it's useable. i could live with it. but it's clearly not normal behavior and that's what bothers me. something is clearly wrong.#not to sound old but remember when shit just fuckin worked#like i sat there for 5 hours yesterday trying different shit. finally thought i had fixed something. go to bed. wake up.#STREAM OF ERRORS for the network thing again every few minutes while i was asleep.#what are you DOING. what is WRONG WITH YOU.#my dad is looking over my shoulder at the event viewer like 'that looks like a SQL statement but why is it failing etc etc'#EXCELLENT QUESTION AND I ONLY UNDERSTOOD THREE OF THOSE WORDS! why is my computer sick!!#no it's not a virus. i promise. i was raised better than that#it FEELS like something fundamentally broke. it feels like a hardware thing. but how. what fucking demons did microsoft summon#in a driver update. that went into my computer and physically broke my shit
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car shopping while everything is inflated to hell is torture actually. do i drop 5k on a well-used car and risk getting shackled to a bad vehicle; or do i take several more months to save up 10k (at minimum) to get a less-well-used car but also restricting my university progression because my campus is 40+ minutes away + im not paying for a dorm
#shummy screaming into the void#atp im only looking at hondas/toyotas cause at least if i snag one with 100k + miles it's more likely to last longer#but i keep hearing conflicting things from people ESP my family members who HAVE purchased cars in the past#for ex. my pops REALLY does not want to me to pay for anything with more than 70k. which is pretty true but also most 70k cars within a#25 mile radius are at least 7k. so now i have to work more for that BUT my work options are limited because I DONT HAVE A CAR AND I RELY ON#OTHER PPL WITH JOBS WHO ALSO HAVE TO DRIVE AROUND OTHER PEOPLE#ITS A CYCLE!! BUT IM LEANING TOWARDS FOLLOWING HWAT HE SAYS BECAUSE I DONT WANT TO PUT MORE INTO FIXING A CAR THAN WHAT I PAID FOR IT#(70k is pushing it honestly)#and while before i was cautious about taking out any loan....i would only do so if i could pay off a majority of the total price#off the rip.#RRRAGGGHHH I HATE LIVING IN A CITY THAT HATES PEOPLE WITHOUT CARS#I CANT EVEN TAKE THE BUS TO CAMPUS CAUSE IT ONLY RUNS IN THE DEAD OF MORNING + SEVERAL HOURS EARLIER THAN MY AFTERNOON CLASSES!!!#erggg at least i passed all my courses this semester so i can transfer to a closer campus...but that one is in a major metropolitan area so
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the 20 dollar pair of throwaways I got for my sister's wedding were perfect for the like 7 hours I got them for but are really not perfect for like anything else ever
#i mean the WERE 20 dollars thats how it works but ya know#ive had to use them while walking around to do errands and not gonna lie wish i hadnt tossed the old busted pair#they were pretty far past done for but these things have given me. SO many blisters and i kinda just gotta keep goin#woulda taken the duct tape pair. shoulda just kept the duct tape pair#i seriously need to get some actual nice walking shoes but that would necessitate having more than 50 dollars at one point ever#and im outta weed lmao i had to bust out the emergency stash from the junk drawer#you know cause i get to where im sleeping and the ouch oof ache of my badshoes leaves me wanting a poofer choofer#its a cycle but ive been in worse cycles#if my mental health were also at an especially low point during all this i dont even KNOW what id be doing lol#i walkked. over 17 miles the other day in a haze of self harm after more bullshit happened and lost my wallet during the walk.#not a fun 6 miles of backtracking. drank outta someones hose once and the river twice to stave the clearly onsetting dehydration. didnt die!#found the wallet. drank maybe more water than i ever have in one moment when i passed the library and absorbed their entire drinking font#anyway my legs/knees were ruined and i almost sent myself to the hospital again cause i cant make bad decisions normal i get weird about it#but hey if a very specific set of circumstances fall into place maybe i wont be broke and just generally all around unwell goin forward#heres hoping it does before student loan payments roll round again lol
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Operating an unlicensed charter boat
Possibly murder... jury's out on that one
a dozen or so healthcode violations
at least some amount of cruelty to animals
unlicensed mining, fishing, & logging
Some practicing of medicine without a license
OH yeah, how could I forget the unlicensed construction and electrical wiring!
Aiding and abetting criminal activities
Child neglect
hmmmm
I think that's all?
duality of man
#I'm playing Spiritfarer in case anyone's wondering#Albert - the loan shark - calls you out on your crappy building at one point#when the snakes' house is too draughty and she's basically freezing to death#it's hard to know if you “taking them to the everdoor” counts as murder#or you just being there at their time of death#I don't think there's any impersonating of government officials#at least I'm pretty sure the logging in that one town isn't contracting government officers to do it#sounded like a contractor rather than anything#Micky and Bruce are gangsters#if you follow one questline they actually have you stand lookout while they rob a place#You also help a patient from the mental hospital escape if you provide rope so I don't know where that stands legally speaking#and there's the guy at the hospital that you help patch up his leg with wood and fabric#some glue too I think#I had all the items so the quest auto-completed.#then you break into a patients' room and interact with them AMA and cause her to have a little bit of a psychotic episode#The thing with the dragons is kind of animal cruelty#the cows and sheep though definitely have less room than they're required to have and don't tell me you always fed them properly#everyone forgets the feeding cycle when they're busy#spiritfarer
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A loan can be regraded because of a change in the economic cycle that has a good or bad impact on the borrower's industry.
"Westpac: The Bank That Broke the Bank" - Edna Carew
#book quote#westpac#edna carew#nonfiction#banking#finance#lending#loans#grading#economic cycle#borrowing#industry
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Grossly under used emojis:
🥸🫣🫡🫨🫠🫥
These are such a mood. Why am I not seeing these more often? Get on it, guys! 🥸
#I mean these ones 🥸🫣🫨🫥 alone are the main moods I cycle through on an hourly basis 😂#my random ramblings#I'm especially 🫨 right now because I've just realized I only have 4 days left to listen to 5 audiobooks before my library loans expire 🤯#*screeches*#I'm just going to have to spend the whole weekend listening to audiobooks now#I'm going to have to find so many tedious things to do with my hands just to be able to listen that long *sigh*#A14
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Had this conversation at shul this morning
To my understanding, I don't see the accusation of 'play acting revolutionaries' in the current student protests?
The base premise was a request/demand/insistence that the universities make transparent their institutional financial connections and divest from military related things. That's a very reasonable and basic request of an institution that you'll be paying towards for the rest of your life with your student loan money.
It could very easily have been a quirky 'lol weird guy over there is so passionate about accounting it's gunna camp until the accountant finishes their reports in a couple weeks.'
But it's the fact of the university and police pushback against this simple demand that made it a dramatic act of resistance.
If you aren't allowed to protest /anything/ no matter how simple, then the act of sticking with it becomes an act of protesting for your right to protest itself, and the police response proves the necessity of that protest, much like in 2020 and 2016 and however many times before that that I don't know about.
Resistance to fascism is resistance to fascism, even if you think the thing fascism is trying to stamp out in this particular instance isn't a hill worth dying on for you personally
centrist guy in 1970 seeing university anti-vietnam war protests in the news
#Guy today literally tried to invalidate the protestors because they're presumably wealthy#Because we've somehow cycled back to a world where attending higher education is inherently indicator of wealth??? What#As if students in America don't get student loans welded against them as a weapon#Because it's a threat of continual poverty#As if there isnt rhetoric of disqualifying protestors from any upcoming loan forgiveness as a punishment#As if they haven't been evicted from student housing and thus made homeless#What#Anyway#2024#Student protests#Protests#My posts
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And just like that ladies and gentle-nonbinaries the straw has fallen and broken my metaphorical camel's back
#i hate FAFSA#i hate fin aid#i hate the government#i hate being so poor i have to beg for scraps just to i can try to make a future for myself#groveling just so i can pull myself from this fucked up cycle of poverty#and its not even gonna qork bc im gonna be paying off loans long after ive died bc satan knows i wont be able to pay them off in life#anyway#this comences Hannah's big breakdown of the month#tune in tomorrow when it happens all over again
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Unsolicited opinion: Student Loan Forgiveness is necessary to maintain the current profitability of high education.
As it stands, a college education in the United States is not a favorable option to achieve a higher salary position. Degree holding adults are highly saturated in the work force, with the current trend of employment taking the leftover degree holding adults to trade programs (electrical, plumbing, construction, HVAC, etc.). This is only going to get worse over the next 10-20 years as we see minimal numbers leaving the general workforce and a significant number more entering it. This gets worse because 1) social security benefits are being stripped back (we just had an increase in the age required to gain them) and older workers are being disincentivised from leaving the workforce and 2) we're going to see more large scale employers cut back on tech and writing positions as they attempt to slim the workforce with AI to increase profits.
High school age students are already seeing that a college education is not what it was worth to the previous generation (not that their high schools, advisors, peers are going to tell them that). What they're seeing is older siblings and young aunts/uncles struggle to work and find employment in the field of their choice. And worse, inflation is making it (and will continue to make it) even harder to pay of their college educations. They likely have parents still paying off their degrees which they also likely do not use in their work.
The governments wholesale rejection of the concept of assisting college students is a dangerous compaction of this trend. They aren't just saying that they don't want to give students (ones that have already shown they are in need, because they already had to qualify for federal financial assistance) a handout. That's they're surface level argument. But what they're getting at is that they don't want to support individuals that can't get into the workforce with their degrees. If you got one of a handful of degrees that are now useless in the US (including things like software engineering; because coding, tech support, and software design are much cheaper to outsource) no one is going to help you offset the cost of that useless degree unless you do something like join the military or the police force.
As potential students realize that they're going to be even less capable of dealing with student debt than previous generations they will be less likely to actually seek out degrees. Not only does this impact the number of skilled workers in the country, it also reduces the income of teachers, creates saturation on trade employment, and increases dependency on outsourced labor.
Increasing the availability of higher education won't always be a good investment, of course. But this offset in the debt burden of the middle class (because that is, primarily, the demographic shouldering the greatest portion of this debt) and gives them a greater employment mobility and buying power. They will be more likely to find work that will be satisfying to them and give them the opportunity to spend more money in the long term. Not to mention that, in many of the states where these repayments will be given they are taxable income. But, unlike student loan debt, taxes don't accrue interest and the state government will more than likely be able to help set up functional payment plans if the taxes for a refund can't be paid in the calendar year they were granted. So the states can actually increase their tax revenue from this money they wouldn't have seen any of anyways as the businesses that own student debt are pretty much all based out of other states.
It also isn't a long term solution. If we expect another wholesale loan payoff, we'd be doing the equivalent of tossing giant ice cubes in the ocean to offset climate change. But if we are going to lessen the burden of student loan debt over future generations of students, we need to offset the existing burden first. It isn't equitable to anyone if only the upcoming generation of students have an easier time paying off their debt, and it's less likely to happen if older generations are stuck working longer than they need to in order to pay off their debt.
#long winded rant#dont expect to change any mind on this#most people that follow this blog are already likely to be in favor of student loan repayment#but its probably going to be a bigger subject in the news cycle over the next month#and i wanted to gdt ahead of that before people start spouting more lies about how bad it would be.
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