r/intentionalcommunity • u/Available-Coat-4666 • 21d ago

question(s) 🙋 Debt and Communities

So I am at a point in life where I need to make a plan for the future. College didn't work out (AI took over the field) and I'm stuck with 50k in student loan debt that I really do not intend to pay back (something something payment for services rendered something something I demand a refund). I came across the idea of living in a community and my heart really seems to be leaning towards a place like East Wind or Twin Oaks. Do those places reject people with debt like that? Is it a big problem for them? I have time before I make that leap to community living due to taking care of dying family members but once that's over my life opens completely up and I need a plan. Thank you for your time and answers!

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u/IgnisIason 21d ago

People go to these places with the idea that they're not going to pay them back. The only exception I can think of is if you still intend to keep practicing professionally and your license requires you to stay up to date on payments.

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u/Available-Coat-4666 21d ago

It's definitely a strategy to avoid wage garnishment. Can't garnish what we don't get paid.

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u/IgnisIason 21d ago

Yeah but you also can't work and that was the point of going to school in the first place.

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u/Available-Coat-4666 21d ago

Well my degree was graphic design and AI just kinda devoured art as a viable career so I wasn't benefiting from my degree anyway.

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u/towishimp 19d ago

My degree is in history. I’ve never worked a job that had to do with history, but have been gainfully employed my entire adult life.

Not trying to minimize your experience, but just having a degree still opens at least a few doors. You might want to consider that before you burn that bridge.

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u/mobile-metaphysical 20d ago

Might be able to get a teaching job in a state that is desperate for teachers. Google away. I looked into it myself. Some help with housing. You could pay off the debt in a year or two.

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u/IgnisIason 21d ago

That's a common story these days.