school help: I seriously need some help. - Help.com



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I seriously need some help.

Right after high school I jumped in feet first into college and was planning a career in the professional medical field. Did that for a year, then something caught my eye and I started my own business.

This business went over like gangbusters and I was making money, hand over fist. So, I decided that since I was making more than what a college degree could get me in the field I was pursuing, I dropped out of college. Hindsight’s a *****, I know.

I’m not going to get into the specific details, but long story short, the business collapsed and I was left with alot of debts to take care of.

Fast forward to now… I’m 25, with no college education, and six-figures in debt making monthly payments of around $3000 a month (just to the debts, no living expenses).

I can’t get a good job to pay for these debts because of my lack of education, so I’m really in a catch 22.

Oh, and because of the debts that I’m unable to pay, my credit plummeted and dropped around 250 points so banks won’t lend me anything… not even $5. Trust me on this.

OK, so that’s my financial situation…

I also recently moved to a place (at the time to expand my business), so I don’t know anyone or have any friends. I’m extremely lonely and am usually depressed.

All I want to do is go back to school, but alas, I can’t. I have to work 60 hours a week just to pay my bills and eat raman noodles every night.

By the time my debts are paid off, I’ll be in my middle 40’s. Then, depending on what I’d like to get into, won’t receive my degree until the age of 50.

Who hires 50 year old RECENT college graduates?

I seriously need some help. I’m so **** depressed because I already feel like my life is over and I have nothing to give anyone.

What are your thoughts?

This open post was written 2 months, 1 week ago | V/U/S: 133, 9, 9 | Edit Post | Leave a reply | Report Post

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bluflames83 offline Verified User (2 months, 1 week) Shouts: 48 #
An Unknown Location | 2 months, 1 week ago (5 minutes after post)

wow, sorry but this one is over my head, way over…..

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AmandaLynn offline Verified User (2 years, 6 months) Long Term User Shouts: 63 #
Lumberton, TX, US | 2 months, 1 week ago (9 minutes after post)

how exactly were you “making money” hand over fist in this business you started and then when it “went out”… left you in such debt? Was the debt there from the beginning or something or .. where did it come from? Im not to clear on that.

me and my husband own a business to that we started..but.. we have no debt at all and we are 27 years old. the only debt we had was in the very first year when we baught company vehicles and built the shop ..but.. until the debt was gone.. we couldnt be considerd to be prospering in it. So.. whered your debt come from?

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jcd offline Verified User (11 months) Long Term User Shouts: 2 #
Atlanta, GA, US | 2 months, 1 week ago (9 minutes after post)

Don’t give up. My uncle decided to change careers when he was in his mid 40s. He went back to school, medical school. He is now around 60 and has his own medical practice.

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AmandaLynn offline Verified User (2 years, 6 months) Long Term User Shouts: 63 #
Lumberton, TX, US | 2 months, 1 week ago (11 minutes after post)

??? u still here anonymous?

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mumstheword offline Verified User (3 months, 2 weeks) Long Term User Shouts: 42 #
An Unknown Location | 2 months, 1 week ago (12 minutes after post)

I’m sorry you are going through such a tough time.

Here are some ideas, though you may have already thought of them :

Consider renting out a room in your place to get some additional income. Alternatively, can you rent a cheaper room elsewhere?

Sell some stuff you really don’t need any more. Every little helps.

Google some tips on household money-saving tips. Trust me, tiny little changes like making sure you eliminate all wasted electricity in the home can really help cut your bills. Saving just a dollar here and a dollar there is crucial in your situation.

Is your place suitable to use as a film set? Do some googling and see if you can sign up for a location agency. They are looking for all sorts of places not just hollywood mansions! I did just that when we were in dire straits and within two weeks my very meagre home was used in an ad for home safety equipment. Since then it’s also featured in a couple of small movies and TV dramas. Each time, they’ve paid me to use my place for a couple of days (I lived in my garage while they did and kept the hotel allowance!)

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annlovestars * offline Verified User (4 months, 3 weeks) Long Term User Shouts: 179 #
An Unknown Location | 2 months, 1 week ago (18 minutes after post)

If you tried everything else maybe try this :

http://www.modestneeds.org/

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Help me with: Who inspires you ?
Anonymous #
2 months, 1 week ago (1 hour, 6 minutes after post)

im really sorry for your situation. i hope u get out of it. u seem like a strong person. keep your head up and dont lose faith.
maybe u cud contact ur family…friends? local church/synagogue/charity? anything might work. tough situations dont last but tough people always do.
good luck :)

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bladdma offline Unverified User #
An Unknown Location | 2 months ago (1 hour, 16 minutes after post)

if you elaborated a little on your field of business you may get more helpful replies for example if you where producing or selling a product which is unique and misunderstood some free advertising could be the key ie a small ad with contact details on the side of a friends car , or even make your own envelopes with an ad on the reverse side for your product ..seriously think about it that letter is looked at by at least 10 people before it will get to where its going to as long as they speak english they can understand your product and where to get it ..I’ve never tried this theory as all the ideas I’ve always got beat to the post to get something new on the market due to not knowing how to get it manufactured example for you is i made the first ever flashing trainers {you know the ones with the lights in the heal that flash when you walk no joke i used to walk around 16 years ago wearing a black pair of trainers with 2 l.e.d’s which used to light up as your foot touched the floor after about 8 weeks i thought “i look stupid wearing these “well i felt stupid wearing them so i binned them and that was the end of that i think it was about 4 years later that i saw flashing trainers in the shop and felt gutted but thats life some people get it easy as for the rest of us it’s 1 step forward 2 back ,but i believe that if we have faith in ourselves we can achieve the impossible we just got to step back and take a look from a different angle .which can be very hard at times ..but thats how i live everyday

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njdarkangel offline Verified User (9 months) Long Term User Shouts: 4 #
An Undisclosed Location | 2 months ago (10 hours, 43 minutes after post)

Hey buddy, don’t worry, be happy. I am sorry, but YOU got yourself into this, and only YOU can get yourself out. It is DEFINITELY true to me that you are an intelligent person. You have already done what so many people, myself included, cannot do. Start a small business and PROSPER. Like so many others, I would LOVE to know what you were doing, but alas, it seems like it is to be a SECRET business you ran. Anyway, as far as teh debt is concerned, ITS ONLY MONEY. Never let MONEY rule over you. You are far more important than any currency, than any THING. You are the most important “event” of your life. You can overcome and achieve ANYTHING you can put your mind to do. If I can survive almost 12 years of prison and come out being a better person, than YOU can do anything, and conquer any objective. Money may be tight, but even I have had my full share of Ramen Noodles in my life. You have to do what you have to do, and when you get there, you will be more of a man as a result of it. Good luck, keep in touch, and re-read my post to get more inspiration. You CAN overcome ANYTHING you want to achieve.

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