165k in student loans
No hate please, I’m looking for strategies and solutions. We’re all just trying to get through this. I am stupid for taking these loans. Yes I did get scholarships. Yes I got advice. Here we are.
First off- I regret every bit of these loans. Love my job, love the opportunities going to USC gave me in my competitive field. Would not do this again.
Secondly - These loans are all Federal, and just from my graduate work. I work in an academic field for a non-profit, making 63k a year. Some have an 6-8% interest rate.
What do I have to do to not drown in this? I have been on IDR but that is going away. What has worked for you?
EDIT: I am currently enrolled in the IDR plan. My loans are paused because I am working on a second masters (full ride, and helps me earn more in my field). I do live in Los Angeles, and I have two roommates and a second job with the city where I have benefits/full health coverage. My Non- Profit Job, and my City are both over/at 20hrs. a week.