June 2010

5 min read

Deviation Actions

Vespee's avatar
By
Published:
641 Views
Gallery l Watch Me l Note Me

Life is a sadistic mistress


It seems that lately, my journals are nothing but depressing.  This is no different.
I never like to burden anyone with my problems, because i dont want to seem like a charity case.  I have never liked the idea of asking for help without giving something in return... but, i really...i need help.

6months ago, i graduated college.  I was happy and unfortunately i had to move back home with my parents.  I had asked them since day 1 to help me with consolidation with my loans.  Every month, for 6months i asked for help.  instead, a couple times i was threatened to be kicked out of the house, i was ignored flat out for days/weeks, and verbally harassed.  Not long ago, i received a round of several letters from my loan provider stating i owe a collective amount of $1100+ every month to pay back loans.

... that is 1.1k i have to scramble to collect every month.  I nearly lost it.  I dont have that kind of money.  I had to call my loan provider and ask them why- why is that number so high.  It turns out.. that it isnt $1100+ i owe every month... it is in fact, $1500+.

.. on top of it all, my loans will not consolidate.. meaning, that number will not decrease and i will not get a longer period to pay it off.  I do indeed owe 1.5k each month.

After talking with a great friend of mine, i come to find out that he owes only 700$ a month.
That is an 800$ difference.


I have spent many nights and days in desperate tears trying to figure out a way to pay this bill every month.
It has put a halt to some other dreams i have.  I was planing on moving out.. but i now no longer have the money.. I actually was scouted to illustrate a children's book, but, it was not a paying job... so i had to turn it down.
Im basically stuck here.. with nothing.  There are going to be times when i dont know if i will be able to eat.  I go several days on only 1 meal knowing that i have to save as much as i can for as long as i can.

My parents have agreed to help me.. until my sister goes back to school.. in August.  so, until then, i only need to pay a fraction of that bill.. but, come August.. i need to find a way to pay $1500+ a month.


Its not a matter of how i can pay that bill.. but a fact of, i cant.  At least not now... but i have to.

Im not accustomed to asking for help with money..and honestly its really hurting my pride to ask, but please... if you could spare a dollar or so, i would be most greatful.  
My paypal is:
krispykrunchie(at)yahoo(dot)com

For now, my commissions are closed until i can catch up with what i owe.  I am and will be noting people who have requested and will be waiting to hear back from you.
My prices will increase for commissions, but i hope you will all understand why.
I will soon have buttons and keychains available for sale as well.  I may even make a list and sell old mangas/animes too.




Thank you for taking the time to read this.

--Ves.


CSS made by TwiggyTeeluck
© 2010 - 2024 Vespee
Comments30
Join the community to add your comment. Already a deviant? Log In
stillwithinview's avatar
I have several friends and family members who currently have student loans. The best advice I could get from them was to go to the financial aid office of the college you went to. These people specialize in loopholes and snags, and it was THEIR college you went to. They don't want you to be punished for that. Explain your problem and ask if there's anything you can do. They might suggest opening a loan with a more understanding company, paying off these bastards, and then getting a payment plan that you can afford. (Just make sure you go through a financial office if you do this. Too many companies out there offer to 'fix' your loans, and turn out to be huge scams in the end. Your school's financial aid should be able to point out the good people.)

Also, consider contacting a consumer bureau of some sort, because this STINKS of rip off. It sounds like it's the fact that they were private loans is what's biting you in the end, and it seems to me you weren't appropriately warned that this might be trouble down the road.

Good luck, and hang in there!

PS: I am SO sorry I flaked out on buying a commission. While I was deciding what I wanted to get, my husband did something... a bit rash. Long story short, we were flat broke for a few months. ^^; But hopefully I will see you at Otakon and will try to lend my financial support there! :3