menx64 said:
Mr Khan said:
Not in the slightest. I did get quite horribly depressed last night, however, and when you're depressed you think of absolute bottom-barrel worst-case scenarios. There are options available to me, however, simply because my student debt isn't that crippling (if I got on a 20-year repayment plan, i'd have payments around $150 a month, high estimate), so I would be able to aim lower for jobs as far as being able to live goes.
My grades are excellent and i have a reasonably diverse skill-set for general work in the information sector (not IT, information, like in research or analysis or stuff). The problem is i have only 3 months of professional experience (and most places won't give you the time of day until you get up to 2 or 3 years), and no particular *special* skills. The other problem, of course, is you shouldn't even bother applying to places where you're overqualified, because you're unlikely to get it (they think you'll leave first chance you get, which is true, unlike someone who gets their burger-flipping job and really has nowhere to go for a while or ever), and secondly because that establishes a salary history that is likely much lower than what you would want.
To a degree, you have to be picky, or else you screw yourself over in the long-run.
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Argg, college where you live must be very very expensive to have such a debt. I have a few friends who came back to costa rica 'cause they were not really able to afford college or even a student loan. I study in a public university here in Costa rica and the tutition fees dont go above $300 by semester... Obviously salaries there should be bigger than ours so it would make sense I guess...
Sorry, I hope you find a nice place to work asap!
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I'll "only" be in the hole about $25,000, which they say is roughly where you should be at, something under what an entry-level individual in a full-time professional job would make (generally around 30-40,000 a year i'm looking at)
Essentially, what you want to do is set yourself up with a long-term repayment plan initially, and then renegotiate (if you can) once your financial situation gets better. The nice thing about federal-backed student loans is that there are no fees for early payment, so you really don't even have to renegotiate, you can just start plowing any extra money into paying off principle as you wish.
Essay Pro