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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.

Sorry, I guess I let my own insecurities get take over by trying to hurt you to make myself feel better.



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Mr Khan said:
Jay520 said:
Mr Khan said:

:( Looking online for jobs is the quickest way for me to depress myself, and i inevitably end up wallowing in it and looking up unemployment horror stories

I wonder if i just accept the fact that i will never be able to find work, what will be done? It would be an interesting experiment, simply because you are absolutely not allowed to default on student loans, but if i have zero income, or just barely enough income to scrape by, what can they do?

Edit: ah, i see. They accommodate for that by withholding your tax returns. But even then, if i were making pissant income, even the withheld money would simply sit forever.

Doesn't that classify you as a...uh...lazy bum?

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.

 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! 



Menx64

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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.

 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! 

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.



Monster Hunter: pissing me off since 2010.

Mr Khan said:

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.

That is a lot of loans man.  I have paid for 104 credits (88 credits taken + 16 current credits) and still have 0 student loans, and I don't work that terribly much.  By the time I get the 150 credits I will need, I'm hoping to not have any more than a couple thousand in student loans, and had I been much more picky with where I spent my money, that could easily have probably been nothing.



Money can't buy happiness. Just video games, which make me happy.

I miss coming to this site.



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trasharmdsister12 said:
Tino Vainamoinen said:
I miss coming to this site.

TV!!!! Where have you been?!?!?! We (or at least I) missed you! What's new? How's it going? How are your photo projects coming along?


Uhh... I'm mostly on Tumblr... Nothing new... Not so great?



Damn, I should have been sleep three hours ago. *sigh* Oh well, I might as well just get a few hours and operate on fifty-percent power during class...as usual.

I wish sleep wasn't a requirement to stay alive. It's probably the biggest annoyance in my life. Can you imagine the shit I could get done without sleep! A lot of shit!



spurgeonryan said:
Used to know a guy who almost never slept. A few hours every few days. Seriously! He would come back to work after a weekend and the whole morning talk about what he did that weekend. Watched ten movies, beat two games, had some fun at the clubs, drove to the city, and on and on and on. So you should sleep less!


What do you mean "used to know?" What happened to him? Did he have a nervous breakdown or something?

Also, I think this guy lied to you. I don't think anyone can consistently go through life with only a few hours everyday, expecially not every few days.

What was he? Some sort of superhuman or something? 



spurgeonryan said:

No he was my Sergeant in the Army. I am not in the Army no more so I do not know what he does now. But I do know that he was up all the time! Never saw him sleep even when we were deployed! I do not know what was the deal, but I assure you that is how it was. Lots of people in the army only get 4 hours of sleep a day. I did it for 2 years at one point. He slept less than that, by far!!!

 

Point is if you do not sleep then you will be unstoppable Jay.


Oh, figures. A Sergeant in the Army. Army pepople are superhuman.

Unstoppable, huh? That sounds nice. I could do whatever I wanted whenever I wanted. Now I just need something to do. But what? What can I do with this power? hmm...



Jay520 said:
spurgeonryan said:

No he was my Sergeant in the Army. I am not in the Army no more so I do not know what he does now. But I do know that he was up all the time! Never saw him sleep even when we were deployed! I do not know what was the deal, but I assure you that is how it was. Lots of people in the army only get 4 hours of sleep a day. I did it for 2 years at one point. He slept less than that, by far!!!

 

Point is if you do not sleep then you will be unstoppable Jay.


Oh, figures. A Sergeant in the Army. Army pepople are superhuman.

Unstoppable, huh? That sounds nice. I could do whatever I wanted whenever I wanted. Now I just need something to do. But what? What can I do with this power? hmm...

One of the many enigmas of sleep is how many people only require 2-4 hours of sleep every night to function, do not require more and do not suffer from exaustion. In fact, 7.5 - 8 is the average, but like all things there is a scale and a small percentage of people will truly sleep only the small amounts of time Spurge was describing. I agree they are lucky bastardos. As for myself I can get by with 5 1/2 to 6 hours of sleep every day and not suffer sleep deprivation from it. It's all been studied in sleep studies and the mysteries behind it are still, yet to be unravled.