Before I begin, my thoughts and prayers go out to everyone affected by the Sandy Hook shooting. There are absolutely no words that will ever do justice to such a poison.
Sallie Mae. My Fed Loan. University Accounting Services.
Once a month, I sit at my computer and begrudgingly fork over a sizeable fraction of my paycheck to the aforementioned lifesuckers. And, I can assure you not a month passes when I don’t think “Wow, I’d have sooo much more disposable income without these effing loans.” I have changed payment dates so they don’t coincide with my rent. I have yelled on the phone with Sallie Mae sales reps trying to negotiate some sort of middle ground. I have prayed to the loan gods. I have done everything I could do. And, the conclusion seems to be the same: pay up.
Money in your twenties is a joke, a problem, and an endless stream of frustration coursing through your life and drowning your freedom. There’s never enough. Or, maybe for you there is. But, for me, there certainly is not. And, I’d like to blame a large part of that conflict on loans.
A few years ago, we all studied and drank our way through a cushiony college existence where dinero wasn’t ever really the epicenter of discussion. Our greatest expenses were a late night outing to Applebees. We sat around in frumpy sweatshirts (who else still wears their Fear the Turtle sweatshirt an obscene amount? Cause I do.) eating wings and mozzarella sticks from The Diner. How we got there or who was funding our presence were issues on the outskirts of our cozy microcosm.
Then, we graduated.
And, people started talking about money. A lot.
I didn’t necessarily consider myself ultra privileged in undergrad. I come from middle class roots. I had two part time jobs simultaneously during most of college and a slew of unpaid internships along the way. My father supplemented my chump change part time job money with a predictable yet not outrageous flow of money to my bank account. Maybe that was ultra privileged. I don’t know the parameters for that phrase and don’t feel like trying to tackle them. But, I remember driving home from work during July 2011 and having my father subtly remark in a conversation, “Oh, you ready to take over your Sallie Mae interest payments?” Interest payments? What? Um, ok, sure?
Then interest payments turned into actual payments. That was my entry into the adulthood hell of paying bills.
Eighteen months later, I’m still somewhere in the ninth circle.
Loans are the great life divider. I can’t help but feel a tinge of envy when I talk to my friends who casually mention that they aren’t in debt from undergrad. Then, I remember I could play the game of Ifs when it comes to my loans, but that doesn’t change my reality. And, then, I remember that my reality is one of self-sufficiency, independence, and doing things that I don’t feel like doing to ultimately do things I feel like doing.
Most people like tangible results from money. A new wardrobe. An iPhone 5. A reckless night out with friends. We like to say I spent this and I got this. A led to B. With loans, it’s not that simple. We cannot always physically show the fruits of our labor, but that doesn’t necessarily mean they are not there.
My ex-boyfriend once told me only 1% of the world’s population has a bachelor’s degree. My ex also told me a lot of bullshit lies while we were dating so who’s to confirm the accuracy of his statement? But, maybe he was right. My guess is he may have been. My guess is that the places my education has gotten me to, the people it has brought into my life in one way or another, the opportunities that will greet me at the most unsuspecting moments, may make all of my bemoaning worth it. More than worth it.
Xoxo,
Tyece