Tag Archives: sallie mae

Consequences of Student Loans

This is such an extremely important message! I have to say even though I was blessed to be able to finish school, I have a degree in my desired field, and even got a job in my profession … the pressure of student loan debt can be overwhelming. That is the ultimate understatement! The pressure is so intense that usually I will not think about it beyond the time it takes to make the monthly payment or during our family monthly “budget meeting”.

Recent college graduates are facing such high levels of debt, unmanageable levels of debt, that they’re holding off on having families, buying a car, buying a home, and being active community and citizen members in our country. So unfortunately, we are no longer seeing what the goal and the purpose of higher education is supposed to be founded on…  (Excerpt from YouTube “Student Debt: Denying the American Dream”)

Wanting to make a difference …
Work in your strengths …
Do something important …
Create a life around your passion …

These were the things that motivated me when, at age 24, I evaluated the price of my future in terms of student loans. College was all about proving something to myself — proving that I really could set goals and achieve them. Proving that I wasn’t as low as I was made to feel every day. Finding that I could push myself and contribute something amazing and then dig down a little deeper and find that I could even do better than that.

So is the cost of college worth the decades of sacrifice and stress that seems to follow? I’m not sure. many people are self taught entrepreneurs, others lie on their resumes to get a job to get experience, and others just seem so talented that someone took them in and apprenticed with them. Every day is a learning experience.

Is college worth possibly never having children?  If this is something you want out of life, you may want to have kids first…. At the time, I certainly had no intentions of having kids — but a lot changes in the time it takes to get your Bachelors degree. Each person will have to make up their own mind about that issue, no one can tell you what is best for you.

If you are thinking about college or maybe already finished, please learn to manage your money!  If that’s the only thing you focus on for the next year, I don’t care, but DO IT!

One possible solution to going to college minus the debt, see the video below. (I am not an affiliate, just a fan.)

butterfly

In this Storm

deep in thoughtOriginal Post: 11:53 AM

And when he got into the boat, his disciples followed him. And behold, there arose a great storm on the sea, so that the boat was being swamped by the waves; but he was asleep. And they went and woke him, saying, “Save us, Lord; we are perishing.”

Matthew 8:23-25

It seems that I keep grasping at the accounts of storms in the Bible during the life of Christ where the disciples showed very little faith. More than that… they panicked. But I know I would have been right along with them shaking him awake in the back of that boat and crying out for him to save me. So what is the purpose of these storms in life? Jesus calms the waves and rescues the disciples repeatedly in his time with them. Is it merely meant to make us recognize who is the ultimate authority in our lives? I recognize it, acknowledge it, claim it as a promise and still the waves seem to be brewing in the distance always threatening to wipe out whatever hope has emerged from the dark clouds. I have given up my control repeatedly, daily, and pray before each endeavor. So what is it? Why is the storm still brewing? What lesson have I not learned yet? I do trust that God will make a way for me to get employment and get out on my own. But what is stopping the process? Is it something I am doing or not doing? Is it my pride? I didn’t think I even had anything left to be proud about!

Today I am praying for clarity so that I can see what needs to get done and not spend time on useless things. Praying for wisdom and courage, confidence and perseverance as I finish school and look for work. Also praying for thick skin to take whatever critiques I may obtain so that I can learn and grow from them. Finally, I am praying for sensitivity in my own spirit as I deal with other people and their imperfections; and patience for others as they deal with my imperfections.

Updated: 7:00 PM

Ok, I have to give thanks now! I called my student advisor yesterday to find out just how many more terms they will string me along and I found out that I only have 14 credits left on my degree program but I have another required class left after that which they will not allow me to graduate without. They said they would get back to me about switching me out of one of my non-required classes into this class this term so I can Graduate in March! Got the call to confirm that they did it even though the required class was full and everything looked like it was not likely to work out! God is so good. I needed to be done! I have been working very hard and the stress of not having finished yet was wearing me thin while I am out of work and can’t seem to get anything in my field without the Bachelor’s degree. So, recapping, yes… I will be graduation with a Visual Communications BS degree this March 2008 … as long as I pass both of these classes. 😉 Keep me in your prayers please.