I'm back from a long and much needed staycation. My parents came up for Labor Day and we discussed "our" student loan situation. I'm just so glad to put that part behind me for now. We'll see how it all plays out down the road. Speaking of a road, I started thinking about everything I've tried just to get to this point - which is a balance of sanity and casual disregard. I've tried everything from praying my debt away, working multiple jobs (while pregnant) and of course the most successful route I've tried, the Dave Ramsey plan. For those of you out there looking for alternatives here's a breakdown of my various routes.
Supernatural Debt Relief
Honestly, I still practice this, because seriously, what do I have to loose except $190K? With all the debt I have I am naturally drawn to prosperity teachers - because after all I want to be prosperous - not poor. Oh, and as a side note, prosperity refers to all areas of my life, not just finances. So when I found out about Supernatural debt release, I jumped on board. Heck, maybe man is no match for Sallie Mae, but surely God can!! So here's a link to the principles for supernatural debt cancellation. I also found practical steps for debt release as well; hmmm, you mean prayer & mediation alone won't work? Damn. Maybe that's why all that time practicing The Secret didn't produce much results either. I can't believe I actually have to PAY this bill for it to be PAID!!! Ugh. Ok, I'm being sarcastic, I'm clearly aware that I can't wish away my debt, how in ever, that's not going to stop me from trying The Power when it comes out. (Hey, don't judge me, I told you I've tried (and will continue to try) everything!) Anyway, I keep a paper with the supernatural debt cancellation scriptures on my desk at work and pray to God several times (well, non-stop really) during the day to rid me of this debt. Well, actually I pray that the Sallie Mae servers, backup servers and backup to the backup servers are all destroyed and along with them any record of my debt.
Now, anyone who knows me, knows that I swear by Dave Ramsey. I have learned so much from this man and he has put my entire financial picture in perspective. He's kept me from bankruptcy, empowered me on how to handle creditors and given me the best road map to get myself out of debt. After I discovered him, I paid off $18K in debt in one year. I still have a LONG road to travel, but at least I have some sense of sanity because of him. I listen to his radio show online everyday to get emotional support from other callers in similar or worse situations than mine. I disregard his political rants (which applies to every administration regardless of political affiliation) and stick to his great financial advice. I'm sure you know the basics of the debt snowball, but for those of you who don't you can find it here.
I know some readers have the perspective that those of us saddled with massive amounts of student loan debt just want to get over by not paying our back our loans. As I've shared many times before, this is the furthest thing from the truth. I actually had 4 jobs while I was pregnant to pay down my debt and thanks to Dave Ramsey I was quite successful at it. But since I've had my child, I don't have the time or energy to work all those jobs and care for my child.
Hmm, now that I look back at what I wrote, I wonder really what other routes are there? If you know of any others, please share. In the meantime, I'll be over here commanding the universe to submit to my will.