somebody shoot me

[wolverinejoe80]

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here is my story

i have about 30,000 federal loans, and 120000 citi assist loans.

i was a fool who received every possible loans in my 5 long years in college. and worst thing is that out of 150k, only 45k actually were 'student' loan. other 105k, i paid off my credit card debts(40k), 15k on car accidents, 20k on a trip to europe and spent thousands of dollars on living expenses.

i don't know how i spent so much money. i was doing very well in school, and i thought i would pay them all off easily.

payment starts within few months and i'm only making $3000 a month right now.

because of the loans, i even decided not to attend the grad shool(was accepted to yale)

i've read enough posts that i probably should consolidate federal loans. but what da hell am i supposed to to with 120k citi? the monthly payment looks like $1500 a month. that's a mortgage!!

can you consolidate private loans? is there anyway i can reduce the payment, so i don't live my life trying to pay off my debts?


i feel so foolish, and now i don't know what to do. this is very depressing.

somebody just shoot me. please. 🙁

 

[wolverinejoe80]

by the way i can't earn much money because i'm a freakin architecture student. why didn't I study pre-med?


somebody shoot me again. 🙁

 

[wook]

by the way i can't earn much money because i'm a freakin architecture student. why didn't I study pre-med?


somebody shoot me again. 🙁

Actually, if you want to earn money, business is the ONLY way to go. Physician salaries have been falling because they have not been keeping up with the rate of inflation.

You may want to speak with a credit specialist. Here are some links that may be able to provide helpful information.... (within the links do a search on credit debt help)

http://www.ftc.gov/

http://www.debtadvice.org/PersPlans/persplans_02.html
http://www.debtcounselingcorp.org/google.html
http://www.consolidatedcredit.org/about-us/about_us.asp

Please read the information carefully, there are many unscrupulous organizations and company that will take you for a ride. I don't know how legitimate the last 3 organizations are, but the first should be able to provide some objective information.

Good luck.

Wook