The Point of No Return

I paid off the remainder of my school balance. I wasn’t planning to pay it off all at once, but another round of loans was added and it brought the balance down so low, I figured I may as well just get it over with. However, I’m now almost $10,000 in debt for student loans.

If I had any thoughts of quitting, that would’ve shattered them. At the same time, it reignites my anxiety about school as a whole.

The point of putting myself through all of this is having a job in this field, so I’ll no longer be dependent on retail and can finally move toward being financially independent. But what if that does not happen? My school is having a career fair in a few days and, despite being told some employers will wait on a student to finish their schooling, that sounds too good to be true. What if no one is interested in my resume? Or I fail an interview? In fact, interviewing is my worst fear in regards to getting a job because I am terrible at speaking. I struggle to verbally say what I mentally want to, even when I know what I’m talking about, and the result is I trip over my words. I am already at a disadvantage because I do not have a business suit and while my school does let students borrow one, it depends on what’s available from donations. They do not have business suits collecting dust in a closet, waiting to hand them out. I’m genuinely worried that alone will kill first impressions of me.

There is no point in quitting school at this point, but if my worst fear is realized – zero change in how employable I am, and being qualified for nothing beyond retail – making all this stress and debt to have been for absolutely nothing, I think I will finally give up on life. I won’t say I’ll kill myself (maybe not right then…), but I won’t have the will to try anymore and I don’t see what good I can contribute to society as a burden who can’t do more than ring a cash register.

The anxiety over so much time, effort, and money being sunk into school being worthless and being crushed by a mountain of debt I would’ve foolishly acquired genuinely made me feel physically sick some time ago. And no, yelling “it will be worth it” is not of any help because nobody knows that, including myself. I don’t know if it will be worth it any more than anyone else does. Only time can tell me if it will be worth it and, were I religious, I’m almost certain I’d be praying every night time was on my side. Even as I type this post, I genuinely feel myself wanting to break because I want that badly for everything to have been worth it. If only wanting something guaranteed you get it (I want to be 14 years old again for the youthful appearance, but that’s not happening).

Yep. This is a perfect representation of my face 95% of the time.

Hope Is Wasted On The Hopeless

In three days, I return to school. After all of the nonsense that happened, I should be happy to return, especially since I don’t have to pay as much as I initially did. The key word in that sentence is should.

I should be happy. But I’m not.

To pay off what financial aid did not cover, I have to make monthly payments, the first of which was due on the day I start school. Unfortunately, the time between receiving that balance and its due date were too close. While I have savings for this kind of expense, I’d rather not use it if I can help it. The result was I split the payment between my most recent paycheck and one of my credit cards.

I can pay the credit card off. There’ll be interest, but what that will amount to is barely a pinch in comparison. At the same time, this is the first instance I’ve put a large purchase on one of my credit cards. And since I’m still paying off a medical expense, it wasn’t really something I wanted to do. There was no option I wanted to do.

I’m not happy. I’m worried. I’m sad. I’m afraid. I’m frustrated.

The looming question in my mind, the one that stands over me like a collapsing tower, is: Is it worth it?

I have to hope it is, but debt, however necessary it may be, is never fun to owe. Putting any part of the payment on my credit card was a one-time thing. That I had to do it to begin with makes me hope completing this school is worthwhile, but fear more and more it won’t be. Excitement and fear are not two emotions that can mix within me. One kicks the other out, and in this case, fear has sent excitement packing. I feel unnatural as it is, being someone who’s just starting school while everyone else is graduating (two of my friends from high school graduated with their bachelor’s – one in chemical engineering, the other in psychology – just days ago), so more than anything, I want my time and money toward this school to prove to be worth the debt. Worth the stress, the tiredness, the temporary smacks to my credit score. But, admittedly, mostly worth the debt.

I won’t know if it’s worth it until the end. I have to hope it is. I have to believe it will be.

But I don’t know if I can!

Name Change

No, not the blog. Actually, maybe the blog. But I mean my actual name. I need to change my entire actual name. I don’t want to get into why, but I’ll leave it at I don’t feel safe anymore. Something happened and I feel like I need to change every bit of my personal information possible. My full name, my phone number, even my nickname, Kaye!

I have no idea what I’m going to change my name to or how to even go about it legally. More importantly, I need to find out how I can get every record of my what my name is now destroyed. Phone records, school ones, and even my birth records!

I’ve heard changing your name is expensive, but I don’t even feel comfortable getting a job until I can have it legally changed. I admit I’m a little sad that my blog’s title and URL won’t rhyme anymore, but that’s a very tiny price to pay. For the time being, I will leave it as is, but as soon as I come up with another name and nickname, I will change it. In the meantime, I will find as much info as I can about legally changing my name and destroying records. I wish I could change my birthdate too, but that’s impossible.