Life After BankruptcyWell, 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. I don't know what else to do except go back to school part time. We can't afford to pay them right now... I am the only one working while my husband goes to school. So my measly paycheck sustains 3 people! Although, not very well at times... one paycheck goes to rent, the other goes to daycare and bills. I don't know how we've made it work, but we have.
I hate living like this. I just want everything to be paid off. The student loan people keep calling me and I don't know how else I can tell them that I can't afford it!! I don't qualify for a low-income deferment. Apparently, I make to much money for that. I guess they weren't counting on people having to support 3 people on what I make.
But what really angers me is that I am only over the poverty line by, like $70 annually. We found that out when we applied for food stamps and got rejected. They recommended we have another child so that we would qualify. Idiots. Seriously though... I could qualify for all kinds of state and federal help if I took a pay cut or got a divorce. We would be living better if I was making less money, or if we never got married. That is just plain nonsense.