Hi OTM,
This has been coming across my mind a lot lately, I want to go back to college but i’m worried about having the student loan follow me for the rest of my life. I’m 24 years old and I currently work in retail. I have a few bills I pay each month and im settled I have enough just to pay them and have extra spending money for clothes, food, anything I might need. IF i go to college I will have this overbearing loan that I will have to eventually pay off. The state and school will help me but its not even putting a dent into what I need. I know what I want to go for its just deciding whether or not to commit to the loan. I want to move out of my parents house to with my boyfriend I feel like im getting to old to live here. With that said there will be a lot of things I have to pay. Everytime I talk to someone about this I hear a different opinion. I heard, ” I wouldn’t go back you will be paying for the rest of your life” or “its not worth it because you might not use your degree and be stuck paying this loan” If i didn’t go back though I need to get a second job. I feel like I need to do something else to help me pay some of the bills off. Please some advice OTM, i don’t really want to be working at retail for the rest of my life and have 6 years fly buy and regret doing something while I had the chance, but having a loan is a commitment. Wouldn’t this be so much easier if I won the lottery. HAHA

Dear Aleeya,

Ah yes Doll, the lottery. I want to win too but I always forget to buy a ticket.
Aleeya, there are pros and cons that make it hard to pin point a decision one way or the other.
Correct, you will have school loans, correct they have to be paid back and correct there is no guarantee your going to even get a job in the field. However, if you want to be considered for a career you must compete with others who have an education apply for the position. So without an education there’s a good chance you won’t be considered for the position ahhh, the CATCH 22.

Aleeya, have you considered a trade degree? It still involves money for schooling but a trade degree usually costs much less. Are you interested in being a dental hygienist, a daycare worker or an automotive mechanic to mention a few? Community colleges have tons of career options, have helpful counselors and are much less expensive. What ever you decide is up to you but the time is NOW to make the move, while you are free from to many obligations.
So get up and get out. Figure out what it is you truly are interested in and find out what your options. Remember, it’s not work when you love what you’re doing. Life moves at a very fast pace, so seize the moment and move forward.

Good Luck & Huge Muther Hugs,

OTM

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