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My Student Loan Debt


I have a decent-sized student loan debt. Not quite $10,000 but close. My husband, on the other hand, has almost $30,000 in school loan debt.

At the time, it seemed like a good idea. Take out a loan to help pay for books and such in addition to your schooling. You don’t really think about what you are going to have to pay once you get out of school. What’s another grand in debt, right? That was my attitude.

I often wonder what it would have been like if I was able to graduate from college debt-free. There is actually someone I know who is trying his hardest to make sure his daughter graduates from college without debt. He is practically putting himself in debt to try to make a nice transition for his daughter into the real world.

You know how I feel about debt, and I will say often that I wonder what it would be like if I didn’t ever have it. But deep down, I think having that mountain of debt when I ventured into the real world has helped me grow up ALOT. While others were partying, I was working trying to pay all the bills. I think I turned into a responsible adult as an indirect result of my debt. But, enough of that. I still don’t like debt 🙂

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How Many Credit Cards?


I have 5 credit cards.

Why so many you may ask?

Well, I started with one, got a large balance on it then got another to do a balance transfer. Needless to say…I didn’t pay off them off and I kept getting more cards to try to play the balance transfer game. Before I knew it I had 5 credit cards and almost all of them are maxed out.

I have 3 issued by one Credit Card Company, 1 issued by another and 1 issued by another. I believe I have a credit card from most of the popular companies. For some reason they wanted me. Why, I’m not sure. And I STILL get credit card applications in the mail saying I am pre-approved.

If they only knew! 🙂

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