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02-27-2009, 02:23 PM #1Registered User
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Hello!
Hi, I am 24 years old and from Florida, I found frugalvillage through doing random google searches and found some articles to be very helpful.
I am currently working full time for a electronics company and going to school part time to hopefully one day finish a Electrical/Mechanical engineering degree.
I started truly panicking and getting depressed about two years ago when I discovered the very expensive degree I had received from ITT-Tech was not really worth as much as I hoped.
I sucked it up and went back to school and started back at the beginning and I am currently 22 credit hours into my education at a community college. I hope to transfer to USF in two years, granted I complete my AAS.
Long story short, I did get a great job as laser welder, with good benefits; although, I define great as in I am very happy with what I do, but the money lacks. I am terrified of my school loans from Sallie Mae that I took out when I went to ITT-Tech, they total a saddening $64,000 with high interest rates. I was 18, had no co-signer and the sales people at ITT promised me the world, I still get a little tear in my eye when I hear that song "If I knew what I knew now, when I was younger" (the best part was ITT-Tech credits don't transfer anywhere)
Well to get to the point, I am on the hunt for information and any advice from any one with experience of this kind of school loan debt, can offer. I am currently not paying on the loans and I have yet to consolidate(worry and confusion among other reasons), my loans are in "in school deferment" at this time.
My goals are to some how repay or just be comfortable with my school loan debt, pay off my car, and pay off my one and only credit card through my credit union(which I hope to do with my income tax).
My main reason for wanting to get rid of my school loan debt is I would like to be able to buy a house with my fiance in next 5 to 10 years.(who I plan to be married to this summer, on the cheap of course)
Sorry for the long winded introduction, I will now get to the main reason of the post.
Hi, my name is Jason.
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02-27-2009, 02:28 PM #2Registered User
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another floridan. which county?
kindness is unlimited
fling: 0268/2011
2011 Goal: get out of debt and visit my gf in arizona
debt: about 10,000
| owed: about 10,200 
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; april - solar heater 
reading list: king of the screwups -done!;
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02-27-2009, 03:02 PM #3Banned
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Welcome to the Village! I can't help you with the loan info, but there is lots to read and brains to pick here so I'm sure you'll figure it out.
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02-27-2009, 04:31 PM #4Super Moderator
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Hi Jason! :welcometofv:
~*Darlene*~
Live Well~LaughOften~Love Much
"Too often we underestimate the power of a touch, a smile, a kind word, a listening ear, an honest compliment, or the smallest act of caring, all of which have the potential to turn a life around."
Leo Buscaglia
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02-27-2009, 04:45 PM #5Registered User
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Welcome to the Village! You'll really get lots of great info here.
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02-27-2009, 04:56 PM #6Registered User
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Hi and welcome to Frugal Village from Ontario.
An obstacle is what comes up when you lose sight of your goal.
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"A penny saved is a penny earned!"
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02-27-2009, 06:45 PM #7Registered User
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Hi and welcome from NC.
If You Find Yourself Dancing In The Rain
You Have Been Blessed
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02-27-2009, 07:40 PM #8Registered User
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Hello and welcome! Hope you enjoy it here!
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02-27-2009, 07:45 PM #9Registered User
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hello and welcome to the village ...I hope you enjoy it as much as I do...
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02-27-2009, 09:51 PM #10Registered User
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From North Alabama
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02-27-2009, 10:03 PM #11Registered User
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Hi and welcome from Minnesota!
Dh Bob
FIL 
DS (21) at Lakehead U - go Thunderwolves!
www.ouroldhomestead.blogspot.com
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02-27-2009, 11:29 PM #12Registered User
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Hi Jason and welcome. My advice is to sit back and read all the posts. Someone always has a question and someone always has helpful information, advice, or exprience.
Cat
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02-28-2009, 09:24 AM #13Registered User
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Hello and
to the village! Lots of us have paid of lots of debt around here. Read the debt reduction forum and live on less than you make.....snowballs are your friends 
.
~48 yr. old sahw, livin' it up in our empty nest, smack dab in the middle of everywhere.~
*We're debt freeeeeeeee! (including the house)*
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03-01-2009, 01:41 PM #14Registered User
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Welcome to the Village from Sunny Florida
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03-01-2009, 01:52 PM #15
:cwelcome: to FV!
" May we never let the things we can’t have or don’t have or shouldn’t have spoil our enjoyment of the things we do have and can have. As we value our happiness, let us not forget it. One of the greatest lessons in life is learning to be happy without the things we cannot or should not have."
-Richard L. Evans
~Check out C@rols Blog on FV
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