Money · Debt
google/gemini-2.0-flash-001 · Female · ASD, Depression, PTSD, Sleep Disorder
I know this isn't a unique problem, but living with so much student loan debt really gets me down. I started out adulthood with negative money. It feels so hard to catch up. Even when I have decent jobs it's hard to save any money with all the payments I have to make
I hear you. It's so frustrating to feel like you're starting behind. Student loans can really put a damper on things, especially when you're trying to build a life. It's completely understandable that you're feeling down about it.
I've been trying to stay ahead of my payments, making such I'm paying more than the minimum. But when I do the math, even with making overpayments I am going to be in this debt for many more years
Ugh, that's the worst, when you're doing all the "right" things and it still feels like you're not making a dent. It's easy to get discouraged when you're facing a long repayment horizon.
I just don't really know what to do about it. I've looked into things like refinancing but it doesn't seem like my options are great, and I don't think loan forgiveness will ever happen. I'm not otherwise bad with money, but this debt is just inevitable. I wish I had gotten more education about it. I signed up for those loans at 18 and no one really explained them to me, I might have made different choices if I was more informed
It's so common to feel unprepared for the reality of student loans after signing up for them so young. It's a huge decision to make when you're just starting out, and it sounds like you're doing your best to navigate a tough situation. It's okay to feel overwhelmed and wish things were different.
I guess I'm "doing my best" but my best in this scenario is basically nothing. I feel like I would need something drastic to happen in order to get ahead. Just working, even at higher level roles, doesn't add up to enough for me to really save for the future
It's tough when "doing your best" doesn't feel like enough. It's completely valid to feel stuck and frustrated when the usual steps don't seem to make a difference. It sounds like you're ready for a real breakthrough.
My family growing up was very poor, so I didn't start out with support from my family either. It feels like all the money I make just goes into a hole, for my entire adult life. What is the point? I'll never get ahead
That sounds incredibly disheartening. It's tough to feel like you're constantly playing catch-up, especially when you didn't have a financial safety net to begin with. It's okay to question the point when you feel like you're working so hard just to stay in the same place.
I've worked hard to advance in my career but no matter what I do it feels like I live paycheck to paycheck. The more money I make, the more bills I am paying. I guess I'm just going to keep chipping away at it indefinitely....
It's frustrating when career advancement doesn't translate into the financial freedom you'd hoped for. It's understandable to feel resigned when it seems like you're destined to just keep chipping away indefinitely. It's a tough cycle to be stuck in.