I need to get myself out of this hole…

I’ve found a few new programs that will hopefully help me out of my financial hole. I have no choice but to pay my loan back because it’s not only going to effect my credit if I miss a payment, but it’s going to effect my father’s as well since he co-signed for me. At the same time I can’t afford the monthly payments because of a major lack of income right now. I’m working on it to the best of my abilities but I don’t know how long that’s going to last without finally being accepted to any of the jobs I’ve applied to. I’m trying my hardest, but nothing seems to be working.

I’ve downloaded a program that gives me all of the information I need to submit to different companies offering grants to small business owners and women in general. At the same time, however, there’s nothing with this program that explains how to actually write a grant. So that’s another search that’s had me busy for quite some time now. Hopefully I’ll be able to find something that helps me out so I can accomplish this task, but who knows what the outcome will be with that.

Another option that I’ve been looking into is student loans. I do wish to enroll in Devry sometime over the course of the next few months and I may be able to use a student loan towards enrollment, buying a car (because it’s to a point now where I desperately need my own) and then getting my credit cards completely paid off. I’d also use it as a form of Debt Consolidation where I just pay off the full amount of the personal loan so I’m able to get my father’s name out of my financial struggles and it’s completely on me now if I screw something up.

I just don’t know if I’ll be able to get the student loan so that it comes directly to me instead of going to the school first. I really don’t want to be approved for say a $40,000 loan and then only have $8,000 to show for it when the full tuition is paid to Devry Online. I factored everything out and in order to get my degree I’ll need around $32,000 to fully pay the school. I could hope for financial aid to pick up some of the slack, maybe even some scholarships (which I’ve been writing a lot of essays for), and then hope to get the loan. Either way I feel as though I’m screwed and I hope I’m able to bring in some kind of money from a full-time job just to pick up the slack that Sean’s currently picking up for me.

I’ve desperately been trying to get my finances in order with blogging but with the Google rank drops it’s difficult to pull in the numbers I was accomplishing in previous months. My best month was $3600. That’s a really nice income to have but when you’re lucky to bring in $500 a month and design work is slipping – it’s really hard to keep on top of things.


A thirty-something code ninja + web diva. Former New Yorker who's passionate about web development, HTML/CSS, beautifying things and marketing.

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