Drowning in Debt: College Grads Share Student Loan Horror Stories

November 16, 2011
By Danny Rubin
29 Comments

$38,000. $84,000. $253,000.

$500,000.

Those five and six-figure sums might look like payouts from different rounds on ‘Who Wants to be Millionaire,’ but you won’t find Regis or an oversized check anywhere near this kind of money.

That’s because these totals represent what different people owe on their student loans. Some are in such deep debt that they can barely make payments on the interest of their loans. Forget actual loan payments. Those will have to wait for a better day.

Since Occupy Wall Street exploded two months ago, a website called Occupy Student Debt sprung up alongside and collected horror stories of higher education.

Some are straightforward:

Original Balance: $199.256.90

Current Balance: $253,015.63

Paid so far: $29,242.15 (I’ve never missed a payment)

Interest rates: up to 10.7% (Citibank)

Others full of panic:

HELP!

I graduated college in 2005, originally borrowed a total of $54,232.62, even only paying a lower interest rate and a fluctuating repayment plan over the course of almost 7 years of paying back my loan. I still owe at this time an amount of $54,158.13. As you can see, not much has come off at all.

And plenty more seem like all is lost:

I GAVE UP ON BEING A LANDOWMER YEARS AGO

Never mind the American Dream. Now, I’d just like to be able to pay my rent. Bills take care of my health and my cat’s health. Even my cat didn’t realize what she was in for in 1996, when I started grad school at a private university. Silly me.

Universities, banks and politicians… please explain yourselves.

More than 300 people have posted on the site with tales of financial ruin. Thousands more suffer in silence just for doing what we were taught all along: work hard, earn good grades, get into college and make something of ourselves.

Rising tuition, dried up state funding for public universities, easy access to loans (i.e. Sallie Mae) and a culture that pushes young people to four-year institutions (whether they want to go or not) have all led to statements like this:

Education debt… is a loaded gun to my head.

While we may never pinpoint the root cause of student debt, it’s quite clear where we ended up. A Pew Research study this past week revealed that a person age 65 or older has a net worth 47 times that of a 35-year-old. That is believed to be the biggest wealth disparity in American history, and surely student debt, along with high unemployment, factors into the equation.

In late October, President Obama tried his hand at tackling the student debt crisis with an executive order that lowers to 10 percent the maximum percentage of income students will have to pay toward their loans. Students will also be presented with new ways to consolidate loans and create lower interest rates.

Obama’s efforts won’t be a cure-all, especially since the new rules don’t apply to people who have already graduated but rather those entering college next year. It will instead ease the pain for future students (and likely nab the president a few extra votes in 2012).

You can question the merits of OWS, but the movement did spur the creation of a sister site dedicated to telling the world about America’s corrosive student loans. Heck, maybe all the rancor over student debt even prompted the White House to act.

College students deserve a system that, at the very least, gives them a fair shot at paying off loans and living without the crushing weight of intractable debt.

Do you have your own student debt horror story? Are four-year colleges and universities still worth the price of admission? Let us know your thoughts.

Danny Rubin is a national news consultant for media research firm Frank N Magid Associates. He is a former television news reporter, lives in Washington, D.C. and tweets as @dannyhrubin.

Brazen Life is a lifestyle and career blog for ambitious young professionals. Hosted by Brazen Careerist, we offer edgy and fun ideas for navigating the changing world of work. Be Brazen!

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Category: College

Tags: college, student debt, student loans

Lindsey Sparks

I’m so sick of people whining about college debt. No one forced you to go to some super expensive school. It especially annoys me when people complain about this and then say their degree was in education or women’s studies or something where they won’t actually make any money (those are fine majors, but go to a cheap school or get scholarships!). I went to a private university that is always at the top of U.S. News and World Report’s rankings for it’s category. It cost about $16,000 a year (about 10 years ago, I think it’s over $22,000 now). My parents have normal middle class jobs and are not rich. My dad works at the post office and my mom works in a civilian position for the Air Force. I graduated with ZERO debt. Zero. I worked hard and received one of the highest scholarships the school offered, but that still only covered a small portion of tuition and no fees or board. My mom saved money from the time I was born and I worked summers during college and saved my money for college. During college, I worked part-time to help cover the costs. I also graduated a semester early, saving nearly $8,000. I still had a great time and wasn’t stressed with juggling work and school and didn’t miss out on anything I wanted to do. And, I could have even been more financially careful and gone to the state school I had applied to and MADE $3,000 a year from them. They would have paid all my tuition, room and board, fees, books and then paid me $3,000 a year in expenses. It’s a perfectly decent school. Also, my husband went to the same college as me and even though his single mother who didn’t make a lot of money was paying the bills. He graduated with only $8,000 in debt at a not-quite 2% interest rate. Other people we graduated with typically had $40,000 in debt!!! Many of these students were pursuing careers as teachers, missionaries, in the ministry, etc. that would be very low paying. I don’t see how you don’t realize that’s not a good idea going in….
- Andrew
  
  Lindsey – I think that you have a good point about people complaining. They probably shouldn’t be, especially if it was their decision to spend that much money to go to “x” school for exorbitant amounts of money in tuition.
  
  However, I think that the bigger picture is that college is typically seen as an investment in one’s future – not so much now. But when you have “non profit” institutions delivering messages to get a college degree as this is a ticket to a better future, while clearly doing so to achieve a profit – don’t you think that the system is flawed and someone should be held accountable?
  
  Consider that most, and “most” being a majority of 18 year olds, don’t really consider what they are getting into. This is probably why so many college students are also in credit card debt. Financial institutions also being part of the blame here.
  
  And clearly you’re ahead of the game because you were able to get out debt free. And that’s great. However, mainstream media, government, and most adults will tell you that college is worth the investment. Along with marketing from schools and financial institutions getting you to open up your pockets.
  
  I would argue that the bigger picture here is not the 18 year old who made a poor decision. Rather, it is the third parties providing these kids with information driven solely by their own financial interest.
  
  I am someone who is $70,000 in debt. I don’t complain, I have a job, live on my own and make ends meet rather well. Ultimately, I made the decision to go to school and incur debt – I wont argue that. However doesn’t it anger you that an educational system that is supposed to enhance citizenship and push society forward is dismantling the future with debt by driving messages solely for their own financial interest?
  
  Look forward to your thoughts
- http://www.facebook.com/profile.php?id=305500046 Leah King
  
  It must be nice to have parents help you pay for college. Most parents can’t anymore or won’t for whatever reason – which is not the student’s fault. If you don’t want to hear whining, don’t read articles about college debt then. I worked my butt off at three jobs and paid $1600 a month to go to school (while working and going to school full time) and still graduated with 20 grand in debt. I never lived on campus or paid room and board, I had 16,000 in scholarships a year, and I went to community college my first two years to save money. My parents never paid a penny. Is that my fault? Go on your high horse about how your PARENTS worked hard and saved for you. YOU did nothing but work a part time job. It’s easy to have a great life and make debt free decisions when you have that luxury, and believe me, it is a luxury.
  
  It DOES matter what school you go to now if you want to make money, and this is not ten years ago. You clearly have no idea what the job prospects are like right now, and how much college costs have skyrocketed in the last ten years. That extra 40 grand college costs now makes a huge difference too and I doubt you would graduate debt free now.
  
  Yes, it is a choice to get into debt but you are limited to waitressing and construction if you don’t get the degree so what else can you do? Do you suggest just not going to school? What about people who didn’t do as well in high school? Are they not worthy of college or ever getting a good job because of it? Everyone can’t get scholarships.
  - http://www.facebook.com/profile.php?id=9628525 Karolyn Chowning
    
    “Everyone can’t get scholarships.”
    This is true, and before I’d spent three years on the staff side, I’d have written just what Lindsey did. (Hi Lindsey!) I worked my first two years out of grad school* in distance learning as a “coordinator” — I ran interference between the adjunct faculty teaching the courses, the main campus students taking the courses, and the staff and administration who develop the courses and proctor the exams. I’ve just spent the last year working with students and seeing the open access community college through the eyes of individuals who will be the first in their family to graduate from college and who qualify for federal Pell need-based grant aid (that’s the basic eligibility for most TRiO programs…www2.ed.gov/about/offices/list/ope/trio/).
    
    I totally disagree that the problem is these nonprofit organizations acting like profit corporations. Hospitals are also nonprofits, just like educational institutions. The problem is the market, the competition’s practices, and splitting it wide open is the utter lack of regulation in the past 10 years. This is happening all around education — the raping of public schools started earlier. Pull some statistics on how many first-year college students take “developmental” (which means remedial, not-for-credit) math, reading, writing, or all three. It’s shocking, especially if you went to a private university.
    
    What’s troubling to me is the idea that every American citizen should have gainful employment. Is this what we want? I understand that the overwhelming majority (possibly… the 99%?) of us needs to earn money in order to eat, but I’d think we want to be moving toward a sustainable economy I said once in a grad class (caveat necessary!) that a sign of an advanced society is the proportion of its population it can support without those individuals contributing to the survival of the whole. It’s quite out of context, but we were relating ancedotal zoological evidence (that, in some species, homosexual behavior is less prevalent when food is scarce) to social psychology. I was saying that the more citizens we have not engaged in “productive work,” the better off the society must be, like the percentage of research scientists and artists could be an indicator of efficiency. This is like in 2004 before it was evident that, uh, we aren’t actually able to pay the bill for those of us who earn taxpayer money.
    
    The college-is-everything myth is not a myth if you engage. The problem is cultural literacy and that those spreading the word aren’t literate in the culture they’re sending you off to, so you don’t know how to get the most out of it. We used to say that pledging Greek was just buying friends (sorry PHC kids) — and ROTC is being paid not to have friends. Now, I think that perceived dichotomy is real, but it says a lot more about my low-income self than it does about those groups. Just like the old idea that an ivy league education doesn’t get you anywhere, being able to go to an ivy league school is what’s predicting your future success… I think the best modification to that is an ivy league education doesn’t get you anywhere by itself, being able to go to school with and have in your network people who were able to go to an ivy league school predicts that success. Going forward, we all have the responsibility to tell youth (and adults! anyone pre-college!) how to get something useful out of college besides debt and knowledge.
    
    *PhD attrition is a real thing and it has nothing to do with ability. Truf. How about four years in a doctoral program at a state school, no student loan debt coming out of undergrad, tuition waiver and paid graduate assistantship every semester, (not counting military tuition assistance for fees until masters and remaining GI Bill allotments) but still accumulated plenty of student loan debt stretching that $1000 take-home monthly pay.
- guest
  
  Lindsey – I think you’re being a little harsh. Not everyone has the same advantage as you. I have always been smart about where I went to college in order to save money. I started out at a community college to get some of my core classes out of the way before transferring to a university. I even found ways to get college credit for my work and life experience which shaved off four classes from my Bachelor’s degree and I still walked away with $30,000 in debt. I didn’t have the luxury of living with my parents to save money for college. They weren’t able to help me with my college expenses and I had to work full time to support myself. Now as a single parent, I can no longer get by with just a Bachelor’s degree so I am pursuing my MBA in HR. I did my research and found a college that offered what I wanted for the least amount of money. Despite my best efforts, I will be close to $60,000 in debt by the time I am done.
  - Kimberly
    
    Hi, I’m not trying to be judgemental here or put myself on a pedestal but depending on your age, it may not be wise to pursue an MBA. Not only are you putting off work experience (which in some occupations may be more valuable than grad school), you are going to have no income for a few years.
    
    Seeing how interests are accumulated, your debt out of grad school could easily be about $120,000 (2 or 3 times the principle owed seeing how interests are accumulated). Modestly, it could be at least $100,000.
    
    I’m not sure if you have a plan out of grad school on how you’re gonna pay off the debt. But perhaps I could give you a scenario of what could happen (Now I’m not sure how much you’re earning right now so I’m only going to use arbitary values):
    
    If your original income is $1000 and after grad school, it doubles to $2000, the extra $1000 may not actually be useful in raising your standard of living. You may need it to pay off the additional debt that you’ve accrued. And from what I’ve read all over http://www.occupystudentdebt.com I’ve realized that this could last anywhere from 20 to 35years. That is in no way a good payback period. People who pay debt for that long are usually exhausted.
    
    Again, I’m not trying to be judgemental but I think you may be misinformed about the promise of grad school. Many Harvard MBAs are troubled by garangtuan amounts of debt (>100k) which they can’t pay off. Ideally, everyone wants to be debt free 5 years from graduation but the truth is, it’s not happening. It hasn’t been happening. Could it be wise to take on more debt?
    
    I understand you’re a single parent. I’m sure you’d want to take him/her to Disney World one day Why not save up to give you and your child the experiences that you would like him/her to? That would be more worth it than going from paycheck to paycheck just to clear the interests on your student loans.
    
    I don’t mean to be so critical but if you take up the MBA, I think it may be likely that you’ll end up as one of the posters on http://www.occupystudentdebt.com a few years from now. The macroeconomy is in trouble, but your microeconomy could be salvaged. The truth is, your current $30,000 debt is likely $60,000 with interests. I’m not sure how long you’d need to pay that off. But I have a tugging feeling that it could be when your child goes to college.
    
    I’m not an advertiser for Ramit, but his personal finance site has helped me a lot with earning more money on the side. So I’d like to recommend it to you (and anyone of you struggling with money). It’s not for everyone but I sure hope that it helps some of you. You can learn ways to earn money on the side (non-scammy ways), ways to negotiate up your salary and FICO scores, land jobs in this economy, ways to waiver your credit card fees etc.
    
    http://www.iwillteachyoutoberich.com/blog/
    
    I sincerely hope that you can make better informed decisions that can help you and your family live better and happier lives. I wish you the best.
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http://www.ioanalazarov.com Ioana Lazarov

Hello,

The issue with University Degrees today is that they carry a promise to boost employment opportunities, which is far from the truth.

You cannot compare 10 years ago with today. Yeah, sure, complaining does not help, but highlighting the issues current graduates are facing is paramount, and it takes us back to the question: should education be free?

If you ignore the student debt today, it will surely backfire in the immediate and long-term future.

My personal opinion is that education is overpriced and biased towards graduates from reputable Universities. So you could choose to save money on the actual degree, however, it will later reflect on employment prospects.

Sometimes, it’s who you know… rather than what you know…
http://twitter.com/TiLaMiLa Teala Miller

I’m not even done with graduate school, and I’m already close to $60,000 in debt. And I had no idea that Obama’s executive order won’t apply to people how have already graduated. That’s b.s. I’d say that, yes, universities are still worth the price; but at the same time, you need to be careful about the school you choose to attend. Unless you’ve got a full ride to any college, you need to find a school that’s within a reasonable price range. I went to Baylor University my freshman year (2004-2005) and paid (upwards, after it was all said and done) of $31,000. A good portion of the debt I have today is from that one year there. I transferred to a community college and then to a smaller state school, paid out of pocket for classes when I could, and took out the smallest loans I could.
http://myojchair.blogspot.com Anna

I don’t have a horror story but I certainly have a lot of debt and there are things I would’ve done differently knowing what I know now. I’d love to tell my high-school self to go to community college for the first few years. I also wish I had been FAR more active in seeking out scholarships or grants to graduate school. Now, I have $70,000 of debt and a salary that wouldn’t make repayment manageable on my own.
- Zenmagi
  
  I attempted to get grants and scholarships when I went to school, I was told (quietly and away from the prying ears of the rest of the staff) that I was the wrong color and gender to ever get any kind of scholarships or grants. If I was a single, black mother, new to the country, I would be in like flint. My only option, even with a 4.0 g.p.a., was loans. $16,730 in loans. I have repaid $20,103 and still owe $46,950. I am an indentured slave.
- Anonymous
  
  I think this student-loan bubble will be worse than the housing one!
  efficient markets
Wendy French

In 1975, right out of high school, I went to good (but not an ivy league) college, got married my Freshman year, lived at home, commuted to school, received grants & scholarships and worked part time. Even with all the money I saved, it still took me 9 yrs to pay off the cost of a 4 yr. degree. When I read that someone who has paid on their loan for over 6 yrs and the principle has reduced less that $100, that’s unfathomable. Unfortunately, we live in a society based on greed where the margin between middle and upper class has become a large chasm.
Morgan Ms

I did my best to keep my loans to a minimum by working my way through community college and then transferring to university while still working part-time. I owed 25000.00 and have been paying for over 7 years and still owe 23000. My loan was sold and extra fees were attached. I paid several times twice within the same pay period thinking I was paying it down faster, but the second payment did not apply to the following month. I was charged late fees for the following month and eventually chase sold my loan again. My interest rate has risen and now I’m unemployed, I am earning double interest on my loan due to unemployment deferment. I’m not sure when I am gong to be able to bring this down. It is terrible!
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http://www.essaytask.com essaytask | essay examples

It’s just unbelievable. I guess it’s not a good idea to take a loan for education these days taking into account how hard it is to find a good job after graduation. – http://www.essaytask.com
P Speed

Since Occupy Wall Street exploded two months ago, a website called Occupy Student Debt sprung up alongside and collected horror stories of higher education.
wall art
Guest

I went back to school in 2000 and was in such a tight financial place that I assumed no one would loan me money for school, so I didn’t even try to borrow any. I worked full time, went to school full time, participated in pharmaceutical trials, sold stuff on ebay and scrounged food anywhere I could. It was the most stressful thing I’ve ever done, but I graduated.

A friend of mine took over 10 years to finish a degree, working full time, living in an efficiency apartment, driving a ramshackle car and wearing thrift-store clothing. Eventually, he did get his degree.
Both these routes are harder, of course, and not for everyone. The problem is that no one advises young people that there are different ways to get what you want, and a degree does not mean you will have a high-paying (or any) job, and you have to think way ahead of “just getting a degree”.

My daughter did her degree in steps; LPN, then RN, then BSN (admittedly one of the few careers you can do this in). My son is currently serving in the military so that he can have the GI Bill.

The current way student loans are set up is a travesty.
Micheal sam

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Chad Hebert

An American Tale 2011
Christmas Wish List

Dear Mr. President Barrack Obama,
I. Information about myself

My name is Chad Hebert. I trust in GOD. I am a 38 yr. old male. I am a graduate of University of Florida. I have a Bachelor’s degree in Land and Water Resources Engineering. I served in the Marine Corps from 1992-1996 and received an honorable discharge.
II. American Tale
After serving in the Marine Corps I went back to school in 1996 on a GI bill of $14, 000. This amount served to help pay for some bills. I had to work and go to school because the GI Bill did not cover all costs associated with school. I had to work two, sometimes three jobs while going to school. I worked at companies like FedEx, UPS, United States Geological Survey, Restaurants, Construction Jobs, Insurance Sales, Cutting Grass, Internships. During my time at school I had a daughter. I pay $ 300.00 child support each month to the Department of Revenue which goes to my daughter’s mother. I started at the age of 23 yrs. old and I recently finished my degree at the age of 38. I did not imagine that it would take so long. I either took one class here, one class there, two classes if I could afford it. I decided to start taking out student loans because the cost of education was so high. I chose to take out a loan because I could not afford to pay for life expenses, university school classes, textbooks, bills and all other expenses while studying engineering. I could not pay out of my pocket anymore to achieve this mountain of bills and expenses. With the help of my wife, friends, family support I managed to graduate in December 2009.
III. Concerns.

For all that the bachelor’s degree meant to me, for all the motivations guiding me to get at degree. For all the hard work, time and energy, the sacrifice. I have over $ 100,000. 00 in debt at this point in my life. I have no assets. I have rent, bills, family expenses , etc. How could this happen? The idea of getting a degree to make more money. Was this all a joke?
I currently live in the republic of panama where my wife was born. I make $ 24,000.00 per year working at a Marine Construction Company. I am an engineer. How in the world can the system be so that you are worse off than starting? There is literally a black hole and corporate grim reapers waiting to defile the rest of my life on this earth. My current true tale is that in six months I will no longer be able to request forbearance on a Sallie Mae private student loan. I will call Sallie Mae and they will say “Chad you have to pay $ 400.00 each month”. I will say I can only pay you $ 50.00 each month. The bank will say well then we are going to sell your loan to a collection agency. Once they sell my loan then I am basically a fugitive. The lawsuits will be given, threating phone call from the collection agency. I can afford only what I can. I will not put my family in jeopardy. I will not be out on the street. I will pay them back when I am able. It is too bad though because I want to be a productive member of society. But the bank will let everyone assume via credit and employers that Chad is a bad guy. The whole time I was only want to better myself.
If these debts were lifted then I could be a more productive member of society. If you would hire me Mr. President to restructure the infrastructure of the United States starting from the inside of the cities to the outside, I believe I could create millions of jobs. I want to be a productive member.
IV. Feelings

I am very sad for our American system that is suffocating American families and youth. I am concerned about the future of the United States of America. I am concerned about the future of my daughter and these generations:
o 2000/2001-Present – New Silent Generation or Generation Z
o 1980-2000 – Millennial or Generation Y
o 1965-1979 – Generation X
Banks, home loans, credit card and university scams initiated against these generations are going to continually hurt the economy now and into the future. The government is allowing the bank to legally smother people lives. The system is destroying prosperity. College cost is so high that you have to take out loans. The system is designed to hurt the middle class. Most of those kids want to go to school but there parents can’t afford to pay for it. Middle class kids work and go to school or maybe a parent cosigns for a loan that could dismantle a whole household. If you’re poor you get aid maybe free schooling. If you’re rich you get out of school clean with no huge debt. The system is designed to hurt these middle class generations. The people are forced to remain in debt the rest of their lives. They will most likely not be able to own many assets. The may have terrible credit because of debt. We need help. Most are but slaves to the protected banks i.e., Bank of America, Sallie Mae, etc. and the list goes on. Most college graduates are poor and unable to find jobs. Most can’t afford to spend into the economy. It is hard for me to have any faith in a system that pulls the carpet out from generations before they can even begin to shine. It is sad days for many. Many middle class have fallen hard from the lies of corporate deceit. Look around America and see all the potential homes that are deteriorating from corporate greed. These houses should have families living in them. Telemarketers and collection agencies must be the biggest employer in the states and to me that is sad. Are these the kind of jobs that Americans can be proud of? The dreams put in our face from elementary are but corporate lies. The universities lie and guide students to thinking they make $$$$ if we get a degree. How many families are being smothered?
V. Solution

President Obama pass a bill that would erase my student loan debt. The bill should pay off the banks and would ease the burden of federal, private, and credit card debt for our generations. I can be a more productive member of society. I can do so many great things if not held back in financial debt. My solution to the problem is to give back to the people. Our country could be more productive than any if these burdens were lifted. The Banks will take my soul. With the laws being in banks favors they will haunt me until I am dead. What can I do? What can you do? Bail out some people who need it. Don’t overlook the generations to come. Don’t sell to China give to these American generations now and in the future the greatest gift of amnesty. We were all told to get an education. We have a lot to offer the United States of America if we were not burdened with smothering debt. I will work hard. My time is now. Please Help. Semper Fi.
Frestyle22

WWent to a great school after high school. Left with 82,000 in debt. Then came the recession of 2008. Figured in a bad economy you should further your education just like the president suggested I do. So I did and after 3 years in community college I now have debt of 43,000 from new loans and interest on old loans. I have 8 different lenders I have to pay each month. Not to mention rent and heat is nice too. I cannot make my payments which combined are about 800 a month plus rent heat electric maybe some food to keep me alive and expensive gasoline to get to work to make something. I make 26000 a year with 2 college degrees. No one was hiring as my industry has tanked and so after all that time and money I got no where. So I packed up and moved to another state with more affordable rent. Got a job working for the state but don’t make enough to payback my loans. It is making me sick racking my brain looking for help. It has been hard to keep track of all of them and I am getting NO help calling my lenders about the new consolidation plans start Jan 2012. This is ridiculous that no one will help me, I’m trying my hardest and feel like there is no hope. I feel this debt will be win me forever, is this the American dream to be in debt for life because we were told by employers we had better get a 4 year degree if we want a job. I literally stopped eating meals just to make payments. Yet they make it so difficult for me to even get ahead. If I file bankruptcy to get rid of my debt from living life then maybe I would have enough for my student loans.
Anonymous

College education is so expensive. But you can use it for a great career in the future.
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Benny

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