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Shop: Kraken Kratom Red Vein Kratom   Unfolding Nature Unfolding Nature: Being in the Implicate Order

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OfflineXUL
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Facing the past and planning for the future
    #14225585 - 04/02/11 11:34 AM (12 years, 9 months ago)

I have made alot of progress recently. My world is changing as I am nearly healed from the heart break I went through. Finally I am able to think about important aspects of my life which I had been ignoring due to sadness.

I actually feel pretty good about life at the moment. I am a college graduate. Iam dating a girl who digs me. I just got a job at which I take care of mentally challenged adults and children. Its a small time job but for now it will do. I also believe that I am clear for the Navy. I think my expunged charges were truly expunged and my FBI backround check is clear. It has been 2 weeks and I still have not heard any bad news from meps, so I assume I am clear. If this is in fact true then I am clear to be a Navy man and possibly a rescue swimmer. A dream come true for me.:laugh:

Everything I mentioned is so great and I am a truly lucky and blessed individual. I have made tons of dumb mistakes in my life and honestly probably dont deserve everything I have.

Let me take a step back now. I always have a terrible issue looming over my head. DEBT. My credit score is 680 which is great (something I want to maintain). The thing is I have loans coming due and they will be about 650 dollars a month. That is not so bad, but in reality paying 650 dollars a month is not really paying your loans down. Its paying interest.

The Navy, and specifically rescue swimmer, would be an amazing opportunity for me to pay my debt. Free food, free room and board and a 15,000 dollars signing bonus which I will be paid in increments over time. I would work, eat, sleep, and put every check into my debt. But what happens if I dont get into the Navy? That is my biggest fear and it terrifies me.

Let me make it known that my debt is large. When you think of college loans you might think 20,000 dollars. No. Mine were 50,000 which is reasonable. But over time the insane interest rates of bank loans have raised my debt to a near 80,000. Just looking at that number is the most unsettling feeling. I am 25 years old and I am already in over my head........:blush:

My father tells me that when he passes I will be able to pay most of my debt off by inheritance. I dont want it to come to this though. I dont want to rely on his death to support myself. I wont. I want to be able to strategically pay my debt off and start a family one day.:heart:

If I dont get into the Navy then I hardly see any way out of being a poor bum all my life. I think that my debt could have the potential to consume me, proceed to destroy my credit, and in result I will live on food stamps essentially paying interest on loans for the rest of my life. :sad:

I have a degree but it means nothing as I really am not skilled in graphic design. I just did enough to pass and I did not learn much. It was a mistake to study something I hated but there is no turning back now. The fact that I have a degree is definitely helpful in job searches but may not amount to anything amazing.

I have thought about several opportunities in the civilian world that could be reasonable way to pay my debt. There are oil rigs around this area and I have heard that you can make up to 1500 a week by working day in and day out like a dog. My dad said he did something similar. He worked in a coal mine to pay his debt off. I was thinking that could be a possibility too. I dont know how well coal miners get paid. Do you?:eek:

In the field of mental retardation there exists jobs that offer schedules called 'block shifts'. This means you work for 2.5 days, earn 40 hours, and have the rest of the week off. This could be an opening for some extra cash. If I did block shifts then I could work two jobs and make bigger payments on my debt.

If my debt payments are 650 dollars a month I am looking to be paying at least 1500 a month so that I can actually pay on my debt, not just the interest.

Some good things:

-My cousin and aunt want to throw me a graduation party which will (as they say) bring in around 3,000 dollars which I can pay on my loans.

-my dad will leave me an inheritance.

-my mother and father are willing to each pay 100-200 dollars a month on my loans.

-I am healthy and able to work hard jobs

-I am currently living at home where I live and eat for free

-my dad is currently paying my highest interest loan

I guess what im looking for is input on how to pay back my massive amount of debt. Any experiences or tips on paying debts would be great.:pipesmoke:

Thank you for the replies!:cheers:


Edited by XUL (04/02/11 12:21 PM)


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OfflineAnthony917
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Re: Facing the past and planning for the future [Re: XUL]
    #14226067 - 04/02/11 01:24 PM (12 years, 9 months ago)

Hey man I hope the Navy works out for ya!

That sucks about your debt. That was one of the reasons I chose not to go to college...especially for a degree in graphic design? Now, if you go into the Navy...you have to be asking yourself why you didn't just go into the Navy right away!
$80,000 is some serious debt :crazy:

I guess the only advice I can give is to work, and pay back that debt slow and steady...not much else you can do :shrug:


--------------------
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What is life? I'm tired of life...


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OfflineXUL
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Re: Facing the past and planning for the future [Re: Anthony917]
    #14226463 - 04/02/11 02:40 PM (12 years, 9 months ago)

Quote:

Anthony917 said:
Hey man I hope the Navy works out for ya!

That sucks about your debt. That was one of the reasons I chose not to go to college...especially for a degree in graphic design? Now, if you go into the Navy...you have to be asking yourself why you didn't just go into the Navy right away!
$80,000 is some serious debt :crazy:

I guess the only advice I can give is to work, and pay back that debt slow and steady...not much else you can do :shrug:




Heh heh. I originally chose to be an art major in general because I liked art when I was young. I chose graphics because it seemed like the only skill in art you could make some money in. I didnt think about what I majored in too much. I just did college because I was supposed to. By the time I figured out what I enjoyed in life it was too late to change majors.


I actually joined the Navy in 2006. I was in the delayed entry program. I had joined behind my parents back. When they found out they did everything in their power to get me to finish college. Unfortunately I listened to them and it cost me money and a marijuana possession charge. I should have just went when I had the chance.

But regret will get me nowhere. I have to be constructive now! Onward!!!:cool:


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