The Last Thing I Need
(4 votes, average: 3.75 out of 5)
Loading ...July 5, 2008 Filed Under: Aspirations, College, Life 312 words
I thought that I would have until the end of this year to pay off my past due tuition bill from 2007-2008, but alas, I just got a letter in the mail saying that it’s going into collections if not paid in full by 07/17/2008. I guess it’s going to go there, then. That means no house for a good 7 years after I get to pay it off, because collections stay on record for quite a while. I guess I could live with that, but of course that means another rearrangement of plans–which I hate. Why does everything I plan turn out otherwise? I guess it is time to stop making plans and setting goals. o.O
I was planning to apply for a loan in December, since I estimated that by then my credit score will be over 700 and I’d have a fairly good chance of getting one, but I don’t know anymore. If it’s already going in collections, why not leave it until I can get a settlement and pay 50% or less of what I actually owe? My brother used to work in collections so I know that after a while they’ll do anything to get their money.
If I apply for a loan now, I’d say there’s several reasons why I wouldn’t get it. My credit card balances are too high (though thankfully none are maxed out and I’ve never been late on a payment!) and my income is too low–and I’m not sure it’s even provable since I haven’t really been keeping track. Tax time is going to be a bitch since I plan on reporting my babysitting income and will have to go through all my deposits to figure out how much I made. Maybe I’ll just forget it altogether. It’s so hard to think of the future when I’m so stressed out about the “here and now.”
Comment by Shellz on July 5th, 2008 @ 11:21 am
Does collections mean debt?
Yeah, everything doesn’t always go as planned, but you have to do what you have to do to get where you want to go. You should still set goals for yourself, even if they don’t work out. You’ll always be more successful with goals set.
I’m not at that point in life yet…But hopefully everything will work out for you. Things can only get better, just get through it, the good times will come!
Comment by Licia on July 5th, 2008 @ 11:54 am
i hate dealing with finances they’re such a pain. i hope you get everything settled soon!
Comment by Shen on July 5th, 2008 @ 2:07 pm
Sounds like you’re in a rough patch. *sigh* I dislike money for the same reason. Hopefully you’ll get everything sorted out!
Comment by icey on July 5th, 2008 @ 5:15 pm
i know that’s right. sometimes i just wish for a break.
keep your head up babe it’ll get better, my boyfriend always tell me that it’ll get worse before it can get better.
Comment by emma on July 5th, 2008 @ 5:38 pm
hey by any chance could you shorten the contest…. 
Comment by Anya on July 5th, 2008 @ 8:43 pm
I can’t shorten the contest…I’m not rich…
Kinda funny posting that comment on a blog about my debt, too! Will probably end up canceling the contest…
Comment by abby on July 6th, 2008 @ 5:09 am
school payments are horrible. seriously! i know how that feels like. i was put in collections by my credit card. it’s so horrible not being able to pay bills.
Comment by Jasmin on July 6th, 2008 @ 10:46 am
Heyy (:
Thanks for the comment! the website you gave me I dont understand what that fixes? and you said to comment you if i needed help? 
if you could help that will be great! and ohhspambotss rightt i didnt know about them till now!
P.s your sidebar is overlapping the blog 
icouldnt find the comment link at first and you cant get on your pages grrr x
Comment by Teff on July 6th, 2008 @ 12:14 pm
Like they say - life happens while you’re making other plans.
I hope that everything works out for you! I have a girlfriend who is going through school, and has so much to pay back she will be 30,000 some thousand dollars in debt once she’s done school. That’s still working!
School can be brutal that way. Eek!
But I like your layout, even though some things are overlapping.
Comment by Brittany on July 6th, 2008 @ 2:42 pm
Loans intimidate me. but I guess you gotta do what you gotta do
Comment by emma on July 6th, 2008 @ 2:49 pm
oh, haha sorry bout that! but yah, ok thats fine. 
Comment by Jay on July 6th, 2008 @ 6:27 pm
I don’t believe in settling for less and too many short cuts, so try not to let it go so you can pay less later. And lol, how dare you say you’ll stop making goals. You need some purpose in life right. After this little mishap, just try to do everything as best you can.
DON’T SETTLE FOR LESS!
Thanks for the comment by the way 
Comment by Tiffany on July 6th, 2008 @ 7:36 pm
Ah, tuition loans. I have one of those that I’ll be paying off once I finish school. That sucks that just when you think you’re okay on bills or whatever, things go in another direction and/or fall through. Hopefully you figure it out and you don’t have a hard time getting a place (7 years seems like it’d be way too long of a wait). However, don’t stop making plans and setting goals for yourself… they all don’t turn out bad. :]
In regards to my blog: Haha, I also get disgusted easily… which is why I’m glad I wasn’t the one eating the chicken (I don’t like meat on bones anyway). I’m sickened by seeing veins in the meat I’m eating — it’ll totally turn me off from eating the whole thing completely. I’m picky when it comes to that kind of thing.
Comment by Tiffany on July 6th, 2008 @ 7:49 pm
Haha, I’ve noticed we kind of have some things in common.
1. I’m picky with food too.
2. I live with the parents right now as well, and I’m also about to graduate college to become a respiratory therapist (medical field). I hope I move out pretty soon, and I have plans to move out, but we’ll see how I can handle the reality of life once I get there. Yeah, it’s good that you won’t be homeless if you’re not able to reach that goal of moving out. My parents would be the same way, if I can’t do it or if I’m not quite ready… they have no problem with me staying a bit longer.
Comment by brooke on July 6th, 2008 @ 7:58 pm
Im sorry to hear about your financial issues, i am stressing atm too, i have course i want to do next year, $10, 000 for the year course, so i have to figure a way to get it.
Comment by brooke on July 6th, 2008 @ 8:53 pm
Its a little different here, the most i think i can get off my overall 10, 000 price is like 2, 000. so yeah.
Comment by » Sweet-Thang.Net on July 6th, 2008 @ 9:37 pm
[...] far as other things go, a few of the comments on my last post said don’t feel too bad about my situation because things can only get better when they are [...]
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