I am a single parent, sort of an empty nester, but not quite. I have always worked low wage jobs because I don’t know the right people. I thought my brains and work ethic would get me past that.
Long story short, I finally graduated college at 40, but I am still working the same dead end job at the same company, making the same low wage. Now, I have a huge amount of student loan debt, a house I cannot afford, medical bills, and no way out. I hate my job. I hate being broke all the time. I thought a college degree would improve my and my daughter’s life…not so. I am miserable. I am tired of struggling to put food on the table and pay the bills. My big plan to improve my life backfired. I need help.
Can I file bankruptcy, including student loans? If I do, who will rent to me? Who will hire me? Won’t a bankruptcy make me look horrible to future employers, landlords, and banks?
I filed the first time early in 1994, after my daughter was born. I have only ever received $100 total in child support, because her father was on SSI, and I made just enough money to never receive help from food stamps, etc. So much for trying to help myself. I have always been dirt poor and it wears on me. I feel I have aged 20 years on top of my actual age. I can’t take much more.
If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free.Single Parent, Stuck in Low Wage Jobs, Huge Student Loan Debt. - Heather by Steve Rhode