So my little payment book from my loan consolidation came in today.
Wow . . .
The amount of money built up in student loans and credit cards through undergrad and grad school is truly staggering. As are the monthly payments. I had designs on getting some little job, concentrate on the writing, and live with the parents a few months until prospects open up. But now, I need to get a full time job that pays pretty decent, and maybe a couple other things on the side, just to break even each month – and that’s just on debt and credit bills, that’s living in a room with no rent and not giving my folks the support they richly deserve – which means I may live in my parents’ house for the rest of my natural existence (and based on what rent is like in the underworld, I may have to haunt their house for a few years).
All of my mathematic calculations seem to indicate . . . that had I impregnated a random girl in the middle of high school and dropped out, I’d be in slightly better financial straights (and have a little bundle that I could look at and say “I’m doing this for him/her” rather than feeding this hungry, faceless, monthly “it”). I’d be down a few degrees . . . but then, a $5.00 poster could cover that space on the wall.
Maybe I’ll have to put this writing thing on the backburner for a while (or at least relegate back to hobby status).
Yeesh . . . what was that I wrote about the word “settle” and taking “the first step to dying,” just a couple of posts down?
Yeah . . .
EDIT: God, I hate sounding melodramatic-melancholic (there’s enough of those little journals floating around on the web and most of them sound so fucking insipid). Ladies and gentleman of the jury, please strike the above from the record. We’ll take a brief recess.
RE-EDIT: See what I did up there, just now? How I was able to get the selfish self-indulgence of the melancholy blog post . . . but then distance myself from it and take higher ground by striking it . . . but still retaining the original self-indulgence by keeping the words up? Yes. Joshua is a clever-sharp lad – he is, he is.
Joshua Alan Doetsch 
don’t worry.
soon enough, you will have either taken over the world, or opened a La Bamba’s up there and the money will come pouring in. if it doesn’t, you could always just play the lottery everyday, and maybe win 5 bucks….then you could start smoking. it helps everyone. just remember. smoking is good. 🙂
by the way, turn your phone on and answer it.
I’ll make a real effort to start smoking. But I’m just too lazy.
j_harker said:
don’t worry.
soon enough, you will have either taken over the world, or opened a La Bamba’s up there and the money will come pouring in. if it doesn’t, you could always just play the lottery everyday, and maybe win 5 bucks….then you could start smoking. it helps everyone. just remember. smoking is good. 🙂
by the way, turn your phone on and answer it.
Yes, being an adult sucks ass…
Trust me, as great as the little bundle might be – they are MIGHTY expensive (especially the bill to pop one out)…
And fear not, there is a wonderful little loop hole in student loans that says if you don’t have enough yearly income then you can defer the payments – of course this is hell on your credit rating and you’d have to be “poor” but if you can cook the books enough it’s always an option!
And you’re right of course and I certainly wouldn’t belittle the struggles of a parent . . . I was just waxing uber sarcastic at the shock of seeing monthly payments that would make one think that I had a house.
I’ll be looking to see how I can cook the books in the next few days.
And speaking of the little bundle, it was very neat to see Reese again. I can’t wait till the Baptism. Then I can start wearing pinstripe suits and pinky rings full time.
wojak said:
Yes, being an adult sucks ass…
Trust me, as great as the little bundle might be – they are MIGHTY expensive (especially the bill to pop one out)…
And fear not, there is a wonderful little loop hole in student loans that says if you don’t have enough yearly income then you can defer the payments – of course this is hell on your credit rating and you’d have to be “poor” but if you can cook the books enough it’s always an option!
Deferment is a pretty great thing. And surprisingly easy to do, all things considered. Dave was able to defer all of his, even after working for 6 months, so I would guess you have a pretty good shot if you choose to go that way.
Cool. I’ll be looking for deferment. I’ll plead “artist” if I have to.
sunshinedaya said:
Deferment is a pretty great thing. And surprisingly easy to do, all things considered. Dave was able to defer all of his, even after working for 6 months, so I would guess you have a pretty good shot if you choose to go that way.
They told me that I could only defer once for the lifetime of the loan. I did it once with my first loan company. Then I switched to a different company and managed to defer again. Now I have a job, and hopefully won’t need to switch companies again! 😉 Good luck!
Thanks, Gen.
genenda said:
They told me that I could only defer once for the lifetime of the loan. I did it once with my first loan company. Then I switched to a different company and managed to defer again. Now I have a job, and hopefully won’t need to switch companies again! 😉 Good luck!
nevermore_66 said:
I’ll make a real effort to start smoking. But I’m just too lazy.
nevermore_66 said:
And you’re right of course and I certainly wouldn’t belittle the struggles of a parent . . . I was just waxing uber sarcastic at the shock of seeing monthly payments that would make one think that I had a house.
I’ll be looking to see how I can cook the books in the next few days.
And speaking of the little bundle, it was very neat to see Reese again. I can’t wait till the Baptism. Then I can start wearing pinstripe suits and pinky rings full time.
nevermore_66 said:
Cool. I’ll be looking for deferment. I’ll plead “artist” if I have to.
nevermore_66 said:
Thanks, Gen.