I filled out the paper work, talked to a Sallie Mae representative and found all my information from Sallie in a spam box that I hardly ever check. I do now because some important stuff got sent there. :( I had my mail switched back to snail mail so I know that I will get any important papers I need.
So now I wait to see what the results are. I"m sure there is going to be more to this process like sending in pay check stubs or income tax information or something along those income lines. I'm still sending in payments to the one bank that has 2 of the loans.
I have to bring something up that all of this has caused. Something one does not think about when going back to school in order to get an education and find a good paying job. I never thought about what if I did not finish or graduate and what would I do?? To me that was not an option because I have started school before and quit before and I knew this would be my very last chance. And here I am no degree and a large loan and it has caused problems in my life that I never dreamed up. It has upset my marriage in ways that I never though something like this would do. And it will take a long time to get things back on track and right again. Or my marriage or life may never be right again. I do not know only time will tell. Right now the mere mention of money, bills, vacation or anything that concerns large amounts of money is off topic or we tread lightly. The future as we know it is uncertain in ways that I never though it would be.
While I work on finding a good solution to the current problem there still lies a much larger problem at the end of this rather large bill. Lessons learned that I am passing onto my daughter so she does not make the same mistakes I did.
Right now I have worked up a small budget and I realize it will chance from month to month. I have to keep on top of it as much as I can. So far its working and its hard but its has shown up where our money is going so that is a good thing. We both are aware to take advantage of any opportunity to make extra money when we can too. For now I'll have a savings for just school loan money until I can see what will work best for us. I think for this year I can stash money into the savings. I also decided to have another savings too for things that come up that we need money for. I have done this before and it does come in handy. So I"m working on building that up again as a safety net for us. I decided to work on a vacation fund too and find ways to take small trips on the cheep. We need to get away and I might end up calling in a favor this year or next spring. I have not decided yet. It all depends on how much a hotel room is and how many days we will stay. Gas prices also is something to save up for. Not to mention food. Its a small goal. Just something we need to do for our marriage, our sanity too. I know it sounds a bit crazy but I hope we can manage this one small thing.
So while waiting to hear back about the income repayment plan I am thinking of ways to divide up bits of money here and there to stick and stash into savings or change jars. Small bits of a few dollars here and there will add up.
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