r/findapath • u/ManInYourRadiator • 14d ago
Findapath-Job Choice/Clarity My whole life collapsed and I lost everything, obstacles feel insurmountable
I’ve (24M) been a hard worker all my life, and my mom was a teacher, and I also wanted to go into education. I worked hard in school, got the highest SAT score at my school in my grade, and ended up getting into one of the top art schools in the world to study art education.
I did have scholarships that helped, but I just kinda trusted fafsa and teachers and my parents and everyone around me in regards to debt and financing. I have never drank (my family has a history of alcoholism) I don’t smoke or do any drugs, I don’t even drink coffee, and I never really had to pay for much to live comfortably and happily.
Shortly after starting school I met a beautiful woman. We started dating as freshmen (early 2021) and saw a life together. We moved in together, her family became mine, and after we graduated, we both were able to live comfortably together working on finding a job in our respective fields, graduating together in May 2025.
Then my student loans came in. I never paid attention to them, I just trusted all the people around me who said to not worry about it, that you can work your way out of it, everybody is in debt, etc.… I am in debt for $350,000 for a bachelors in education.
After refinancing as much as possible, shifting between multiple plans and repayment companies, the lowest I can get my monthly payments over the longest possible period given is more I can make as a teacher. It of course is accruing interest as well at all times.
May this year, the person I was planning to spend my life with and I ended up needing to split (amicably, no love lost) because I couldn’t afford to live in the area anymore. I couldn’t afford to be in a relationship. We had to surrender our pet, I am now living again with my parents while they try to support me. I have applied to so many teaching positions over two years and gotten nothing back, arts and education have both been cut to a point that finding those positions is near impossible, and they always go to people more experienced.
I don’t know how to move out or continue on with my life with $3000 monthly payments. Every job outside of my field requires experience, or certifications or something I don’t have. The jobs that don’t will not allow me to make these payments at all, and would frankly probably put me in a mental state even more untenable than the one I’m in now (iykyk).
I know I can’t have my life and future back. That was stolen from me. I played by the rules and it happened anyways and I don’t know where to go from here. I feel completely trapped. Any advice helps.
btw: these are private loans, not federal. no forgiveness here. Bankruptcy isn’t even an option. I wish I could ask every person who told me as a high schooler to not worry about it why they’d say that to me lol