Where do we go from here?

Where do we go from here? [+ favourites]

I'm tens of thousands of dollars in debt, earning $9.00 an hour at a place where I have five bosses, none of whom possess an IQ in triple digits. I hear the same music (MUZAK) every day in and out and barely make enough to pay for the apartment that I didn't even want to rent in a neighborhood where I can't go outside without hearing thumping gangsta rap or some poor crackhead asking for a cigarette. I have no where to go and no one with which to go anyways. I waste away every day with online poker and Netflix. I don't write I barely read the closest thing to culture that I get is Yahoo news or newly released, downloaded movies. So what really is the point? The only thing keeping me from death at my own hands is my family which is over 2000 miles away and I can hardly even keep in touch with them. Where do I go, what do I do, who am I, what can I become, is it too late, is it too soon, is there even a reason to bother?

You do have options.

I don't know the nature of your debt, but filing for bankruptcy might be a good idea if possible. Find a roommate and move some place else. If you've been working at the same place for a year or longer you can most likely find a better paying job, or at least inquire about an increase in pay. Find some certifications or a degree program that can help you get a better job... quickly.

You are in control. Take control.

Okay.

So, answer some questions.

Why are you in debt?

Why don't you move back in with your family?

First just let me say thank you to those of you have taken interest.

My debt is the result of four years of undergraduate studies with minimal financial support other than the loans which I took out each year. We're talking about $60k at this point and the interest keeps growing. I don't make nearly enough to begin repayment at this point.

My family lives in a very very small town, in Western New York, google Gainesville NY if you're interested in seeing just how small. The fact is that the place is a blackhole, there are no opportunities and very few jobs. I left to get away from that. I can't go back, I'm 23 years old and my father would be very apprehensive about letting me move back. I couldn't do that to him or myself.

I guess that's all for now.

Thank you again.

Why are you earning 9 dollars an hour if you spent 60k on getting a degree?

Why do you miss your family if your dad appears to be a jerk?

typical de-lemon of our society . . . our only real choice is to work together. Graand scheme the forefathers of this nation put together but we have lost sight of those values. We need to get back to the basics of our rights, freedoms & liberties as an extension of our (wwe the people) service for the common & greater good of all.
The way out is easy just one step at a time & take your time that you can maintain you balance.

Oops: (we the people) & take your time that you maintain your sense of balance.

Jesus. I hate to use sarcasm, but to the last poster:

Thanks for that elevating, helpful, and really specific use of information to provide him a step by step guide on how to make himself feel happier. I'm glad that platitudes like the ones you just ejaculated all over us pay for large debts, cause, if they didn't, your advice would be pretty fucking assanine!

If you haven't already, for God sakes get on the phone immediately and talk down the interest as much as humanly possible. Even half a percent can be huge.

Also again, if your loans are privately funded you may be able to significantly reduce them by filing chapter 7. Do some research.

Mostly I think relocating will help you more than anything. The job market is aweful in the U.S. and it isn't going to rebound soon so it's up to you to really get things going. There are still jobs out there, however few and far between they may be.

It's just money. It's a psychological weight.

This is really good for me. Any advice/opinion/"ejaculation" is helpful. I just needed a place to let this out and talk about it with someone other than my Ex-girlfriend/roommate. I think a relocation away from her would certainly help. As much as I don't want to stay with the company for whom I work currently, they do offer corporate positions from time to time which almost always require relocation to Pittsburgh (their headquarters). My boss has suggested looking in to this but at the time I declined because I thought that I wouldn't ever want to leave my (at the time) girlfriend. That has changed. Please keep replying, I thank all of you who have already.