So….About these Student Loans

I would say somehow, but I know exactly how I got up to 110k worth of student loan debt. No, you didn’t read it incorrectly. Your eyes ARE NOT deceiving you. $110,000 worth. Do I feel like I have $110,000 worth of knowledge in my head? Depends on who’s asking.

How sway? How? In undergrad, I transferred four times. Vance-Granville Community College to NC A&T. Then to UNCG. Then to GTCC. Then back to A&T. At each school I got as much of the max loans each semester and balled out on refund checks like most students. *cues Crew by Goldlink. I’m still trying to figure out what I was thinking. Like Racquell, you have to pay these loans back at some point fool. All the clothes. All the food. All the liquor. Now we won’t mention the tattoos because they were all totally worth it. Or all the trips I took. They were worth it too. Fight me.

As if that wasn’t enough, I gave myself a six month hiatus from school following undergrad. I knew I wanted to go to grad school but didn’t truly know what for. All I knew is that I had to make moves before the student loan grace period let up. So I enrolled in Capella online for I don’t remember what. Wasn’t feeling it and transferred to Strayer. It was during this time that I learned that grad school does indeed, cut refund checks.

Ballin! Yeah, ballin until it was time to do that exit counseling and remembering that I have to pay every dime back. So yeah. That’s where I am now. I was happy and saddened to finish my masters program. The grace period is almost up. The thought of faking my own death has been a conversation that I’ve had with myself pretty regularly. Sure I’d be off the hook for the loans but then I wouldn’t be able to use the degrees under my name. But in the event that I did, I could go back through undergrad, hunt down all the scholarships that I can qualify for, and finally major in what I wanted- English.

But that’s neither here nor there. I think I’ll take the legal route and sign up for income-based repayments. There is no need to have raked up the debt so that I can sit under the jailhouse. It’s just not worth it. I’ve seen Orange is the New Black. I’d be somebody’s bitch in no time.

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