I always recommend going to a community college for your first 2 years

Absolutely should've done that to start off. It sucks because when you're 17 and making these major life decisions that'll affect the rest of your life, you're not conscious of how all these things will play out and you don't have a grasp of the real world. That's what makes this student debt crisis so absurd

big facts, completed all 2 years of CC and only spent $50 out of pocket

holy s*** op put in perspective how crippling student loans can be

Damn America sucks

it really is a blessing that i waited a few years until i went back to school cause i would've probably been in your position if i went straight after high school. shoutout community college and online 4 year universities forreal.

No one’s stopping you from working while I’m college. Get internships, possibly start your career while in college. I paid 50k in student debt in my senior year of school. Don’t let debt ruin you bro

Niggas getting not one dime out of me B

That type of interest rate is suicide tier holy f***

I know a lot of kids who are just blankly signing loans not thinking about how they’re going to pay it back

They’re kicking it hanging out going to Colorado hooking up having a good time but little do they know what’s in store

This is how the poor stay poor

College is really designed for the upper class/wealthy

:( I know. I have to try to refinance it somehow when I graduate and get a job. If I could get it down to like 5% that would be so much more manageable

It really is pure evil how they take advantage of people who just want to pursue an education and have no choice but to take a loan whatever the cost may be

listen to dave ramsey podcast

im depressed cause I got bipolar disorder and im lonely

I have far more student debt than the vast majority of people. It sucks, but there are ways to keep the bills manageable and it doesn't hurt your credit score as long as you keep up. I've resigned myself to not paying it off for decades and there isn't a lot more I can do about it, so why get depressed over it?

Credit card debt is a lot more insidious tbh. The APR is straight up evil.

kinda disagree here

data shows that people bearing the highest bearers of student loans actually come from the upper middle/rich class(es). i was poor as f*** (as in my mom only brought in $8k a year at most), and FAFSA basically s*** money out at me. even when i transferred to uni, pell grants alone covered roughly 70% of my tuition (the rest was covered entirely in a scholarship and 2 grants). i got out with roughly $12k in debt; which is gone in like 6 months, and i could've gotten away with even less.

anecdotally, most people i know with seriously high debt loads f***ed up bad going out-of-state or to private unis. my (significantly wealthier) cousin went to a private school, transferred to mine, failed some classes, and she's still in undergrad at >$110k in loans and she plans to go to law school on top of that