That One Time I Spent Over $5k On Nothing!
Back in my naive days, I thought I was too good for community college and college in general. I moved into my first apartment, feeling like a badass young kid and dropped out of community college just to apply back into what I believed was a “better” college. I was so blinded about what “good” this school could do for me. I didn’t realize that this school has almost no credibility.
I attended this school for 1.5 years just to, yes, drop out again. When I decided to go back to my first community college the next year, NONE of my credits transferred. Nothing. Zero. Zip. Ziltch. It was like I never went to this stupid school at all. Now, 1.5 years doesn’t seem long. Until you have felt what it’s like to wake up early every day for 1.5 years and work hard, for absolutely nothing. “Frustrating” is an understatement. I felt so broken, where I almost felt like I didn’t even want to finish school.
The silver-lining in all of this was that I had enough scholarships and grants to pay for most of this stupid school. But I still had to take out a loan for over $5,000. I understand that there is most of America who have over $100k in school loans. But I literally just spent $5,000+ on nothing. Believe it or not, it actually feels worse than if I were to give $5k away to some random person.
I sucked it up and took my fate as it was. Yeah, I was upset and disappointed. But I knew that dwelling on feeling bad for myself wouldn’t do me any good. So I paid off $20 here and there when I could until I was able to afford to pay a couple hundred dollars at a time. The great thing about this loan was that I didn’t have to officially start making re-payments on it until I was done with school in general. I paid off the unsubsidized loan first because it accrues interest from the minute you take the loan out. The subsidized loan accrues interest once I’m out of school and repayment beings. There was no way in hell I was giving another cent more to this loan.
After this naive mistake, today is officially the day I have repaid the entire loan completely. I didn’t have to make payments on this loan until 2019, which would’ve estimated my repayment date to end in 2025. And every single penny is paid off before any payments were due. It’s done and over with. It’s officially in the past, in the books, and never to be worried about again.
Disciplining yourself to do something you just do not want to do, is all mental. Because you’re not doing it for anyone else except yourself. I could’ve waited until 2019 but I was looking out for my future self. You wouldn’t want to put any burden on your family/friends, so don’t do it yourself. You owe it to yourself to pay yourself first!!