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

Did she need a referral from a social worker or religious leader to get the loan?

I’ve definitely thought about that & getting a car that’s even better on gas than my car, which is already fairly fuel-efficient but not amazingly so, but isn’t it kind of hard to sell a car when you don’t have a title & you’re financing it? Because you’d pretty much have to convince someone else to take on the payments.

Great idea. I’ll look into it.

Well, to be fair, I didn’t start making this much until several months ago. I made $10/hour last year, & less than $9/hour the previous 2-3 years. Also, between my car payment & car insurance payment (because I got 2 forsaken speeding tickets in speed trap towns), I pay $550/month combined for both. That’s like over half of 1 of my 2 paychecks every 2 weeks. Then add other expenses like rent, utilities, Wi-Fi, cable, phone bill, food, gas, etc., it adds up quickly.

I know, but like I said, I’m just worried that I won’t have time before my credits expire. I wish I had known about credits expiring a lot sooner; otherwise, I would have been focusing on getting this paid off in a timely manner 2 years ago. I need to speak with my school registrar’s office. But it’s kind of hard to go see them because the school is like 2 hours away. I have to go on one of my days off, but, for example, I was asked to work overtime tomorrow & I accepted it because I need the extra money but now I will have to wait until next week to go. And if I get a second job, my free time to do stuff like that will be even less.

Well thank you. I do appreciate you saying so.