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After Graduating My Field Can’t Support My Debt. – Julie

Written by Steve Rhode


Dear Steve,

I am 58 years old and attended graduate school at a public school in an accredited program in vocational rehabilitation counseling.

This degree has proven to be a dead end in my state. The state agency for which the vast majority of graduates end up working for is on the verge of collapse and employees are being fired and laid off at an alarming rate.

Before enrolling in this program, I was assured there were many good state jobs available in the United States, as well as with the federal government. Since beginning work in this field, it has proven extremely difficult to find equitable employment, so I feel that the recruiters for this program were dishonest.

I came out of school with $60,000 in student loans. I do not have any money saved, had a home repossessed in 2008 as well as a bankruptcy. The student loans were not discharged in the bankruptcy, and I can see that, due to my declining health, I will not be able to re-pay them as I want to do.

I intend working as long as possible, but my health is starting to fail and, while I am hoping to maintain part-time employment until age 70 at least, I will not be able to maintain full-time employment for many more years. Do you have any advice for me?



Dear Julie,

Your situation like the issues faced by many who owe private student loans. See Why Defaulting on Private Student Loans is Not as Crazy or Irresponsible as it Sounds.

If these were private student loans you might want to look at the helpful but imperfect income based repayment programs. See The Ultimate Guide to Dealing With Student Loans You Can’t Afford.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

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About the author

Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.

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