Have $10K in debt owed to university from 2016... where can I get a personal loan to pay it off?

[sybbie719]

@SlicedHumblePie

@blossom

What is the ultimate goal with a psych degree?

Still not quite sure of that yet… I was thinking of doing some tinkering around a bit with a few jobs in different areas, but primarily, I’d probably like to work in/around a public school or university, perhaps as a guidance counselor, and do some one-on-one counseling as well as couples counseling. Not exactly the most specific goal, I know, but you have to understand that I’m still discovering who I am & what I really want and it has been several years since I’ve been in school so I haven’t been in that state of mind in a while. It feels like it’s been ages, and I miss it.

You will not be able to get either one of these types of jobs with out a Masters degree. I remember getting my masters in school counseling (worked a full time job, went to school full time and parented a child). I also teach graduate courses in school counseling where most of my students are working paid jobs along with doing their practicums/internships and attending classes.

It seems that people are offering you solutions and you are coming up with reasons as to why you can’t do these things. Unfortunately there is no easy out going around your situation. You are going to have to roll up your sleeves and work a full time and a part time job. it doesn’t matter what the job is. right now you are doing anything and interest is still racking up on your debt. You need a part time job where you are doing nothing with that money but use it to pay off your debt. Even if you make $200 a week, you can have it paid off in 13 months. Yes, it sounds painful and yes, it is going to be painful. A year is going to pass any way and with your list of excuses, you are still going to be in the same situation an year from now, unless you do something about it now.

I have high school students who are attending school and working full time jobs because they have children to support or are self supporting, not living with parents. One of their challenges is that the min wage in NYC is $15/hr and the appeal of making more money can get in the way of them being in school.

I know my nephew took a part time job working for the airlines as part of the ground crew (where he also travels for free and is in the union) in addition to his full time job (where he became a custodian for one of the city agencies where he is in the union and gets tuition benefits). Took the money from the part time job and used it to paying off his debt (over 10K). 1 year later, he debt free, the airlines hired him full time and got 2 promotions since he started working full time (he took the job because he likes the travel benefits and was able to make a schedule around his regular full time job), banks money, purchased a new car and uses the second job money to pay off the car with the goal of having it paid off in a year.