As much as I hate to admit it, the 17-year-old in me has adopted a new favorite hashtag: #strugglebus. I’m both incredibly disappointed in myself and kind of giddy about it. Its close cousin, #wambulance, was a long-time favorite of mine as well. So, I suppose that’s happening now!
Onto more real matters… When discussing our struggles, a very close and dear friend of mine had let me into his situation as well. He is crippled by student loan debt, works full-time as a store manager at a convenience store, and has two roommates (hopefully he’ll be moving in with only one in August – keeping my fingers crossed!). He, too, can’t seem to make any template work. We spend many hours discussing our budgets and best practices only to cave when we want greasy Chinese food or a friend has a birthday. It’s part of the struggle: breaking those habits and finding alternatives.
Recently, I brought up the idea of consolidating his loans so he only has a single payment to worry about and manage. He went to his credit union to talk to them about his options only to find out that without a very good co-signer there was no way they would help him. Much like me, he doesn’t have a co-signer which means he’s S.O.L.
Frustrating? You betchya! But, this is what folks like us face every day.
Sometimes, it really feels like we just can’t catch a god damn break. No one will take a chance on helping us because they see our past and the mistakes we’ve made. It’s often overlooked that in asking for this kind of help, we’re not looking to dig ourselves into a deeper hole. Trust me, it’s hard enough to breathe as it is this deep down! We’re asking for help because we know we’re fighting our last fight until we give up and crawl back to mommy and/or daddy with our tails between our legs.
And we refuse. So we keep fighting. When I apologized to my friend for his misfortune in debt consolidation, he just smiled and said he’d have to find another way instead of getting lost in the bottomless pit of, “Oh my god, I can’t do this.”
So, folks, the takeaway? Keep fighting the good fight. It’s better than the alternative by a long-shot. Be honest, be courageous, and know you’ll see the end. If you think you can’t do it, guess what? You already are. Still not convinced? I offer this reminder:
You’re a ghost driving a meat-coated skeleton made from stardust. What do you have to be scared of?