My name is Sandy Haveman, and I am currently in a financial pit of hell.
I have a slue of medical conditions such as depression, generalized anxiety disorder, carpal tunnel, polycystic ovarian syndrome, chronic migraine, and asthma. I first went to college at one of the many Art Institutes, which is why I am in so much debt to begin with. I did graduate, but I have been unable to secure employment.
The majority of my student loans are private through Chase, and I have been informed many times that because they do not have to provide low income repayment options, they don’t, and most likely won’t. I have to pay the amount they decide, or else. The ‘or else’ scares me because my dad is my cosigner. Chase is currently asking more than I earn a month, and they don’t see a problem with this. Since my dad is my cosigner, they can go after him and impact his job as well as go after me.
I went to South University in an attempt to get a degree that I can use more easily, and to defer my loans, as a Chase representative told me I could. She lied. I have a Masters degree in Criminal Justice now, but because I have no experience, I am in the same boat of being unable to find work.
On top of crippling student loan debt, I have several medical bills due to a cyst in my sinus cavity, an ER visit due to a nurse at a clinic being paranoid about my heart, a chiropractor for my migraines, and seeing specialists because the issues I have apparently are all “specialized.” Today I also had to go to an Urgent Care due to the fact of mystery pain cause from my time of the month, and I now have to see another specialist to attempt to find out the cause.
The fact that I can keep my job seems to be a miracle to me because I have a stuttering issue when stressed, so I end up just sounding harsh and mean so I can be understood. My depression and anxiety have been through the roof, making it a challenge just to get up in the morning. The thought of talking to strangers makes me feel like I’d rather chop off an arm, but it is my job to interact with countless strangers a day. I’d be much happier at a desk job, but I have what I have, and I do my best to get my job done.
I honestly feel like a failure, regardless, because I cannot afford my bills. I’m 26 and I can’t afford my own place to live, I can’t cover my bills, and I’m a burden on those around me. I have a hard time admitting this, but I need help. Any kind of help whatsoever, I would forever appreciate.