Thursday, July 11, 2013

Time

Time has escaped me these past few weeks.  I have been working my butt off at my favorite summer camp, while continuing to pick up shifts at Panera.  My only day off for the past 2 weeks was July 4th.  This week, I’m working 8-6 at my camp and then Saturday as well.  Sunday will be my day off, which I will spend planning my activities for the next week at camp as well as completing my third job of writing a book review for a recently self-published author, (the only one I actually want to do, but haven’t had time for).  This lack of time, more-so energy, is the reason for my lack of blog posts lately… not that I actually have any followers.  And today I spent another 2 hours (and almost all of my energy) trying to figure out my student loans debt.  And that’s what I’m going to talk about here.
So, student loans.  They suck.  You have 6 months to try and make as much money as you can to pay for the past 4 (sometimes more) years of loans you’ve taken out.  Problem is, you still haven’t found a real job.  I got a good chunk of money as a graduation present, and my granddad (may he rest in peace) is helping pay for a lot from the money he set aside for education.  But most kids aren’t that lucky.
Even I am trying to work as much as I can just to save up.  There’s so much ahead of me!  I want to pay off my student loans so I can move out of my parent’s basement.  But then I have to start paying for rent, groceries, internet, TV, heat and electric and water (possibly).  And then, what if I want to go back to school?  What if my schizophrenic car Zera dies?  What if? What if? What if?
We could play that game all day.  But the point is, these things are in the near and present future.  The threat of loans and the like are knocking at the front door, and I haven’t finished cleaning the house! (ok that wasn’t the best metaphor, but go with it).
Today, I spent a few hours with my sister trying to figure all this out.  She went through it a few years ago with very little help from my mother—translation and support wise.  I mean that: Translation.  I know that I’m not the best when it comes to money and math and finances, but I’m not completely inept.  But this stuff is insane! My sister is trying to help me consolidate my loans and get a low interest rate and I’m going through FASFA and direct loans and all this talk makes me just want to hire someone to do it for me!  But then I’d have to work even more to pay them…

So I’m spending all my time working just to pay off these loans, but I don’t even have the time or energy to figure out my loans, never mind look for a real job.  I’ve basically given up on that these past few weeks.  I just want to take a break, but I don’t have the time!