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: Knocked Up (and in Law School)

Prepare for Successful Repayment a/k/a Prepare for Constant Contact from Your Student Loan Collectors

It is ridiculous how many emails and paper documents I get each month from the student loan people. It isn't bad enough that somewhere around $1100 comes out of my bank account a month to pay for my way overpriced diplomas, but then they have to constantly contact me to remind me that I'm in debt for pretty much the rest of my life. Just take my money and leave me alone, seriously. Every correspondence I get from them stresses me out.

I don't know what it is, but I just cannot seem to do anything but live paycheck to paycheck. I have a strict budget, I spend very little money frivolously these days, and yet, I'm still broke. I don't get it. Like this month, I had to pay my life insurance premium, my car insurance premium, our AAA membership dues, yet another baby gift, and a birthday gift for Husband. Next month, I have a bridal shower gift, a wedding gift, a dentist appointment (I don't have dental insurance), and a new box of contact lenses. It's like that every month, just constant expenses that pop up. It's not like they're totally unexpected; I mean, I know I have to pay car insurance in February. But add that onto student loans, rent, utilities for two residences, cell phone, gym membership, child care, gas money, and food, and I'm barely making it. It's ridiculous. I know it would be a lot better if not for the credit card bills, but at this rate, I'll be a long way from paying them off. It'll also help once winter is over and I'm not getting double hits from heating bills.

Anyway, I knew what I was getting into when I decided to go to law school and take out crazy amounts of student loans to pay for it. I just thought I'd still have money left over after the loan payments to at least buy a pair of pretty shoes. Wrong! And I actually get a real salary, not the public interest salary. So, keep that in mind before you end up $175,000 in debt. Life decision fail. Good thing I really love what I do, because it would have been financially smarter to have never gone to college, and just kept my $35K/year job as a secretary.

Full post as published by Knocked Up (and in Law School) on February 02, 2010 (boomark / email).