“If you have time to be on social media, you also have time for…” “If you have time to watch Netflix, you also have time for…” Yeah, but do I have the energy for it? Do I have the emotional and mental capacity for it? Am I pain-free enough for it? Can I focus on it? Can I do it without leaving my bed? Can I safely do it without risk of (physically or emotionally) injuring myself by pushing past my boundaries?
If you are in the US and worried about student loans picking back up this fall, I highly encourage you to look into an Income Driven Repayment Plan. My partner and I got our monthly payments reduced from about $1,000 total a month to only $90 a month! It takes about ten minutes to complete, and all you need is a W2 from last year showing your income.
The plan is to have us all reapply every year to show how much we can afford. I make pretty decent money, and we still owe almost nothing a month. In some cases, your payments could be $0 a month!
