I Am In Debt

Personal Stories, Advice, and Support 2,512 People

    The Eternal Student Loan: A College Education And A Lot Of Regrets - Coulda Woulda Shoulda

    I still have student loan debt at my age. I am 37. Between interest only and forebearance due to financial difficulty - it is now more than it was when I graduated ten years ago. I used to think student loan debt is good debt, now I think there is no such thing as good debt. I...
    chocolatebar chocolatebar
    36-40, F
    5 Responses Mar 3, 2010

    How Much Further Can He Drag Us Down??

    My wonderful husband of 3 years is hurting us bad. Recently he has received 3 payday loans behind my back and he still wants more. I told him not to get anymore when I found out about these and that you cannot pay a loan with another loan. The next morning I woke up to him...
    singlemom85 singlemom85
    26-30, F
    6 Responses Oct 24, 2011

    Because there's something happened in my dad's

    business, we got a lot of trouble and its been 3 years i guess. At first my parent hid their problem until they can't do that anymore. We started to loan the money to keep up my dad's business. We gave out house certificate as the guarantee. I guess 2016 it will be over and i...
    thomascalvinn thomascalvinn
    22-25, M
    2 Responses Feb 18, 2015

    Over My Limit!!!!

    I am waaaaaaaaaaaaay over my limit!! I am approximately $25,000.00 in debt :-( I have gained this debt over the last 2 1/2 years. Most of which I have done without child support or financial help from anyone outside of me. I have 2 young boys, both of which are acutely aware of...
    MegJgeM MegJgeM
    36-40, F
    9 Responses Jul 27, 2009

    Shameful Debt

    I am too ashamed to admit how much in debt I am. Most of it is student loan debt, but I also have significant credit card debt. I recently had an issue where I was a bit over the maximum on one credit card and the minimum payment due was nearly $900. Thankfully I have never had a...
    mspac mspac
    22-25, F
    30 Responses Jul 18, 2007

    I am 22 years old and $33k in debt plus a car

    on finance. I really want to be free of this but it is so hard.
    emzy1992 emzy1992
    22-25, F
    2 Responses Jul 22, 2015

    I am retired on disability

    and don't know exactly how I got myself in such a mess, other than maybe miscalculating what my monthly obligations would be when I was getting more loans. My debts are $200 more than my disability income, without taking groceries into consideration. I am at my wits end. I...
    Ghosteriter1cq Ghosteriter1cq
    66-70, F
    3 Responses May 27, 2014

    So my boyfriend is 9000$ deep in credit card

    debt. I agreed to help him pay it off since I have a little extra spending money and he has helped me financially in the past. I have no idea what I could do to make this the easiest. He is not eligible for a consolidation loan due to the fact that he has no assets.. I don't...
    goatlover69 goatlover69
    22-25, F
    Oct 3, 2015

    Global Payments VIP Preferred Card

    I have a VIP preferred card that I used in casinos. It's basically a debit card that takes money right out of my checking account. It can only be used in casinos, as far as I know. Once I use it the funds do not come out of my bank account until two or three days later. One day I...
    2 Responses Jan 30, 2013

    Me and my husband owe 200k

    because of the business we acquired 5 yrs ago and now we might close the business coz it's not doing well. My husband works a lot of over time somewhere else but it's still not enough. I really don't know what to do. I pray everyday that a miracle would happened.
    marcon92 marcon92
    46-50, F
    4 Responses Aug 10, 2015
    glaura10 glaura10
    26-30, M
    Mar 14, 2016

    Getting Out Of Debt By Getting Powerful & Conscious

    I found myself in terrible debt of more than $40K with both credit cards and student loans, and way more was in the 'bad' debt category of credit cards. I had been in a profession that was high risk, and I thought I was balancing my good budgeting with the counterpoint of that...
    FreeFromDebt FreeFromDebt
    41-45, M
    2 Responses Oct 25, 2013

    The American Dream

    School came easy. Applying, Accepting, Enrolling, and taking out the necessary student loans to cover my expenses. I was fresh out of high-school when I enrolled in an accelerated Bachelor's Degree program. A faster program seemed like the best choice for my current situation...
    LifesASitcom LifesASitcom
    18-21, M
    1 Response Mar 7, 2010

    Canadians In Debt

    Debt is, according to the Canadian Oxford English Paperback Dictionary, a sum of money owed, a state of obligation to pay something owed. If an individual is unable to start paying back a debt when requested to do so, the debt accumulates interest. In banking terms, interest is...
    shaandar shaandar
    31-35, F
    2 Responses Jan 10, 2013

    Wanting To Have A Baby

    I am 37 years old and just got married to my best friend almost 2 years ago. I love my husband with all my heart. The problem is that we have made some bad financial decisions after getting married (and probably before). My husband has $89,000 of school loan debt that he...
    westcountygirl westcountygirl
    36-40, F
    3 Responses Sep 5, 2012

    I'm in so much debt, it's not

    even funny around about $20,000 my boyfriend of nearly 2 years has no idea about it what so ever and I don't want to tell him because I don't know how to. I have started paying it all off slowly but it's so bad, I don't know how it got this bad:(
    Ekv17 Ekv17
    22-25, F
    2 Responses Apr 14, 2016

    Comcast Xfinity T V ... Is Really Annoying Me

    COMCAST XFINITY TV ... Has and still is doing their conceited business at Annoying me.  And I don't know what to really do about it.  Back in 2008 when I signed up for the services.  I wanted the basic lowest fee service.  But that gives me all the crappy and...
    ChakraSolipsismMGP ChakraSolipsismMGP
    56-60, M
    3 Responses Aug 10, 2010

    Yes I am in debt up to my ears now; it used to

    be over my head, but I am knocking it down every month. I plan on being in debt up to my butt when the summer sun shines on my farm! So there is a way out of debt if you truly apply yourself to over come it!
    deleted deleted
    Jan 26, 2016

    I'm in ridiculous debt mainly from giving money

    to people who I thought needed my help including my dead beat mum. To having such self loathing I thought a breast augmentation was needed to make me happy. I know am sitting on a 50 grand loan at the ripe young age of 20. Kicking myself and screaming at why I was so stupid. And...
    deleted deleted
    4 Responses May 20, 2014

    A Better Way Out Of Debt

    i filed chapter 7 12 years ago and was doing a lot better w/ my credit card debt 'till I got divorced. He is such a deadbeat that now I am stuck with a 40K + credit and loan balance. I did not want to file chapter again and decided to go into a program. The first 4 months was...
    tamparuth tamparuth
    7 Responses Jul 12, 2010

    I am in debt about $20k.

    It started with a relationship that had been bad from the beginning but I was still trying to keep it going. I bought $6k worth of gifts and dinners and couples therapy appointment fees and things. I was so ashamed when I realized that I'd really spent all this money trying to...
    marguerite5859 marguerite5859
    22-25, F
    Dec 19, 2015

    So deep in debt right now.

    Just thinking about it changes my mood. I feel like I can never be stable when I always owe. It shouldn't be so stressful and exhausting to get an education. These student loans are killing me. It's hard to get a scholarship when you have average grades and a average GPA but...
    Shygirl917 Shygirl917
    22-25, F
    2 Responses May 20, 2014

    i owe some people money up to a 1000usd.

    its so bad that i have been indoors with my lights switched off..just so when they knock they dont think i am home.i loaned that money to help out my sister thinking i wiuld be able to pay them back...but now nothing...i cant even ask my parents and im a foreigner living in a...
    misshope01 misshope01
    26-30, F
    2 Responses Jan 10, 2015

    Went to the hospital

    after a car accident and it turns out they can only cover 10 grand of my near 30 grand hospital bill. Murica!
    deleted deleted
    1 Response Jul 18, 2015

    If there was a place

    where you could save money on things you already buy, manage your money better and get out of debt while making a residual income all in one place would you be interested? What if Wal Mart said they would pay you for every person you sent to their store? Inbox me!
    CarlosWun CarlosWun
    22-25, M
    1 Response Jun 30, 2014

    It seems like I have always been in debt.

    :( It's my fault for not paying more attention to my credit when I was younger.:( Right now, I get child support & social security. I get paid once a month. Since I had to buy the car in April, it's has seriously kicked my ***. But I'm glad that I have it. I have to make...
    RubyLane RubyLane
    46-50, F
    1 Response Sep 18, 2014

    I stay up at night thinking about my debt

    (which is why I am writing now). I have 40,000 in debt including my student loan and I am currently unemployed. My quality of life is suffering due to my burden and I am ashamed of where I am in life right now.
    AHealingJourney AHealingJourney
    36-40, F
    6 Responses Jun 26, 2014

    Taking Responsibility For Irresponsibility

    It's no secret that I am horrible with money. I do not know why, but as soon as I receive money I feel the need to spend it, like it's physically impossible for me to hold on to cash. I really don't have a good excuse for my financial predicament. Like many in my generation, I...
    DispatchNinja83 DispatchNinja83
    26-30, F
    2 Responses Oct 9, 2009

    Just a shade over 32k in debt $8,

    300 in credit cards $9,000 in student loans $15,000 left on my car I make just over $31k in salary. I am anticipating a raise in salary for all employees at my company, which will help. I yearn to go back to school, but I will never take out another student loan. I want to...
    glaura10 glaura10
    26-30, M
    1 Response Mar 14, 2016

    Because of my young, stupid mistakes I am in

    debt. Because of my debt I may not be able to marry the love of my life. I have until February to pay off most of it or no marriage for me.
    Ashabella Ashabella
    22-25, F
    4 Responses Dec 6, 2014

    Life After Bankruptcy

    Well, my husband and I used to have way more debt than we do now.  We filed for bankruptcy a while ago and since then, life has been easier in some ways, more difficult in others. We still have tons of student loans to pay off and I have run out of forbearance time. ...
    frontier frontier
    31-35, F
    37 Responses Sep 29, 2007

    I don't know where I went wrong.

    I thought I knew how to manage my finances but now, I'm staring at the collections envelopes on the table in my mothers kitchen wondering how I went from a smart, independent, well traveled young woman to a 2 job holding, barely making it sob story. I know why, I was in love...
    Bellsecrets Bellsecrets
    22-25, F
    5 Responses Mar 2, 2015

    I'm only 17 and owe 15,

    000 to a lawyer. My mom is helping me out with it which I'm grateful for but how can I think about college, or a car, or moving out with that big of a monkey on my back
    deletedprofile821 deletedprofile821
    22-25, M
    2 Responses Apr 12, 2015

    I'm Loosing my house

    but Atleast I Have A car. so that's good I guess only $80000 in debt
    mundinger1992 mundinger1992
    22-25, M
    1 Response Mar 1, 2015

    Gambling With a Year Long Investment

    I am a web programmer and I took the gamble to spend the whole of last year programming a base set of code (in the form of classes) as well as a system to run it all on. The only downfall was that for that 12 months I barely slept more than 4 hours a night and lived in near...
    sacrine sacrine
    22-25, M
    2 Responses Jan 21, 2008

    I am in debt. I have lost hope.

    I am 22 years old. I am logical enough to know it will pass, eventually. But when will eventually be here? I am depressed, I live paycheck to paycheck. I am a student, married, and make $24,000 combined income per year with my husband. None of our debts are painstakingly high...
    hmcmahon1213 hmcmahon1213
    22-25, F
    3 Responses Aug 10, 2015

    I Owe $100k In Student Loans.

    Make that $200K if you add the interest I'll be paying over the next 25 years.I never thought about it while still in school since my parents were like, "If you get into a good school we'll do anything to pay for it". And once I got in, they said not to worry and to focus on...
    kokoliko kokoliko
    22-25, F
    3 Responses Jan 27, 2010

    Leaving my husband has put me in debt.

    Finding it hard to pay for necessities now. it's depressing and lately the stress has been affecting my health. I try to get out of a very toxic relationship and have saddled myself with a brand new stress in exchange. This sucks.
    bcali bcali
    36-40, F
    3 Responses Aug 17, 2014

    My Love Story

    hello  guysi just recently joined this site to find some friends and write somethinghere i'm gonna tell you about my love story(which ended before began lol)I am 20 years old an indian guy belong to middle class family.when i was 14 i was used to go to school, one day i was...
    Demotivatedguy Demotivatedguy
    18-21, M
    2 Responses Jan 25, 2012

    I just found out I owe centrelink a huge huge

    huge amount of money. I wish can turn back time and made sure none of this happened. How people cope?
    unluckygirl88 unluckygirl88
    26-30, F
    1 Response Jun 5, 2015

    Almost Down And Out

    Ooooh.  This is a subject I DON'T like to think about!  I just move forward with my head down.  The depression wiped out 80% of my income, all of my savings, all of my retirement savings, all of my assets, all of my cash, etc., etc., etc.  I owe around $60,000...
    Zotz123 Zotz123
    70+, M
    1 Response Dec 24, 2009

    To my parents, my relatives,

    and family friends. They gave me so much and I've never been able to give them anything. Someday, when I get a job, I'm going to pay them back. They say I owe them nothing, but that just makes me feel even worse.
    PinksTheNewBlack PinksTheNewBlack
    18-21, F
    1 Response Oct 9, 2015

    I have a student loan from a trade school

    that I entered in Shortly after high school to help me earn my high school diploma. Numerous amount of hospital bills and medical debts Bills mounting up, because I just don't have the money to take care of it right now. Granted I do have pretty good credit, but there is...
    NYSlilAngel NYSlilAngel
    26-30, F
    3 Responses Mar 30, 2014

    Slave To Debt And Tired Of The Rat Race

    My goal is to free myself from the slavery of debt in pursuit of materialism. My situation and my goals: 2003 economy was good, I was making $60k a year in sales, got a car lease in 2006 for $468. By 2007 I had major ankle surgery, 6 months disability, ran up some debt, the...
    workerbee101 workerbee101
    36-40, M
    1 Response Dec 17, 2009

    When I was 19 I remember I was making around $9

    or so. I saved up every week and had almost $4 grand in my savings account. I remember I was able to buy anything I wanted and still off my no so stressful bills then. Fast forward 5 years later at the age of 25 and can barley save $300 that is going to my monthly IRA account...
    dailydreamer70 dailydreamer70
    26-30, M
    3 Responses Nov 11, 2014

    So...I Got A Letter In The Mail From School

    If you've ever been or are a college student, you know the major pain of keeping up with money, especially if it's NOT yours and you're borrowing it. It's going nine years now in college and the other day, this mail from campus arrived to my door. Last year it said I was using $3...
    FashionQueen86 FashionQueen86
    26-30, F
    2 Responses Oct 30, 2013

    Surviving Self Sabotage..a Heavy Price To Pay...

    Hi everyone, Am I every happy to have found you!!! I am a classic case of - I don't know what.  I just spent my entire life away.  No house, no car, no assets, no children, no boyfriend. I have been frivilous with  my money for many years.  I always had 2 jobs...didn't matter...
    freedolphin freedolphin
    3 Responses Sep 5, 2011

    Feel so lost...Apparently,

    I have an obsession with money. I have over $50k in debt including student loans and credit card debt. I got my first credit card when I was 18 and just kept going. The debt is so overwhelming that I feel like I can barely breathe. I feel like I'm drowning and I will never reach...
    graphicgrl3 graphicgrl3
    31-35, F
    3 Responses Jan 2, 2016


    Yes I am, we are in debt.  We own our house and no one can take that away from us but right now money is tight and we are falling further and further behind.  We both pay child support and my child support takes about 60% of all my checks.  We pay what we can on...
    rondat rondat
    41-45, F
    5 Responses Jan 15, 2008

    Student Loans and Credit Cards

    Not only do I have student loans, as you others have mentioned, I also have significant credit card debt.  I'm trying to pay all this debt down now.  It's tough, but I'm making slow progress.
    NihonjinRXS NihonjinRXS
    26-30, M
    5 Responses Aug 3, 2007

    I Cannot See the Way Out

    For the second time in my adult life I am so far in debt I am not sure I can get out ... my problem is that I enable my grown daughter ... my husband and I run a consulting firm from our house ... business has been slow and we are watching ever penny we spend .. while my grown...
    ridgerocco ridgerocco
    51-55, F
    4 Responses May 4, 2009

    It's Frustrating

    I went to university, so I'd be in debt anyways because of my student loan. That wouldn't be so bad, they're not awful folks to deal with. The national student loans center is pretty understanding. However I also still owe the university. It's a very long and frustrating story...
    allusedup allusedup
    22-25, F
    2 Responses Mar 9, 2009

    Be Free Financial

    "Things were so tough. I needed money I wasn't getting enough." that's the reason why i decided to have a pay day loan. but im getting problems with the payment because of the high interest rate. Be free Financial was one that over a million Americans have turned to: they...
    XamanthaQueriel XamanthaQueriel
    22-25, F
    4 Responses Jan 23, 2013

    About 30k By the End of Next Year

    I will have been in college for six years when I graduate next Spring (2008).  Thankfully, I only  used student loans the last three years, but that's still close to 27K in student loans.  I'm also getting married in Fall of 2008, so we may take out a loan to help...
    Chanteuse1984 Chanteuse1984
    26-30, F
    1 Response Jun 13, 2007
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