Tag Archives: Student Debt

Insecurity: A Daunting Companion

I am secretly insecure. About a lot of things. Sure, I’m the chipper, go-to gal amongst all of my friends and family, too. I’m always ready to lend a helping hand, whether it be running your errands for you, to babysitting your kid, to helping out with homework or housework or yardwork. Optimism is my middle name, mostly. I always have a ready smile and I always have something to laugh about.

But deep down, WAY deep down the darkness known as fear weaves me in a tighter web. I think this is the source my anxiety feeds on. This internal fear that I hide away so well from so many people that they don’t even know I have this problem until someone I’m close to (like my mother, for instance) tells them.

What am I insecure about? Many things. I’ve touched on them briefly in previous posts. Like how I’m 25, have only ever had one “serious” relationship (which only lasted 6 months), fear that I’ll never find “the one”, and I’ll die old and alone. That I’m still a student at university and already owe up to 16,000$+ in student loan debt and I still have, at least, 3 more semesters to study through in order to get my degree. How I currently have no “actual” job, but rather a variety of odd-end side jobs that don’t offer 401K’s, or retirement plans, or insurance and health plans. I’m not on a payroll!

I am a 25 year old university student working odd jobs that don’t offer steady payroll or benefits, making at least $1.50 more than New Jersey’s current minimum wage per hour, have 6 student loans, 2 credit card bills, and 1 car payment (plus $300 for insurance every 2.5 months), a cell phone bill, and only $40 in my savings account.

I’m afraid I’ll never be financially secure and that I’ll have to live with my parents for the rest of my life. It’s such a frightening idea, not because I don’t like them (because I do) but because I know they can’t afford to support me now, let alone for the rest of their lives! Besides, guys tend to shy away when I say I still live with my parents due to my financial situation.

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I’m afraid I won’t find a good job after college. (I mean, who wants to hire an art major nowadays? I think I picked a crappy major). I’m afraid that I’ll only find mediocre jobs that don’t pay well and don’t offer the benefits necessary to live in today’s world. I’m afraid that I’ll never make enough money to pay off my debts. I’m afraid that I’ll never make enough to get a house, to get married, to start a family. I can’t even try to travel because that’s too expensive!!!

Every day I hear on the news about America’s economy and how people are struggling. How the middle class is shrinking and the lower class is growing in size. How it costs a middle-class family over $105,000 to support a family of 4 per year! How one 19 year old student in North Jersey already owes $60,000+ in student debt and still has 2 more years of college to go. That’s ridiculous!

I know my situation could be worse so for the fact that it is not so horrible is a blessing and a slight relief, but that fear still grips me. It’s always there, a dim, nibbling presence in my mind and it’s scary!

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So now you know a bit more about me. And what I’m afraid of. I feel like we’ve bonded. Thanks for listening….

Look for my words again soon.

-Soleil

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