Monday, January 5, 2009

Mo' Money, Mo' problems

That is how the phrase goes...right? The more money you get the more problems you get with it? Than how come I'm getting the opposite? Ain't got no money and yet it just gets me more and more problems.
I currently am trying to figure out how in holy hell I can deal with the devil (also known as Sallie Mae) when I don't have the ammo to battle.
I owe them...oh..I dunno, something like $35-40,000 in loans. *yay to all that interest. Apparently you can only defer it a couple of times (of course, you have to PAY to defer them, which in itself is pretty funny that you have to PAY in order to not have to pay.). I've exhausted that option. And then I was offered a partial payment deferment...for three months. whoo-hoo. And the last time I called to get them to stop calling me, they couldnt' do anything for me. Except the gentleman I spoke to (who I do believe reads my blog now, which is awesome that someone listened to me!) worked out pushing my payments back a month or two.
The problem lies in not only has my situation NOT improved, it has, for all intents and purposes gotten worse.
I dont make squat for money at my job. I get barely minimum wage. I work only parttime. I feel restricted and limited as hell in getting a different job due to a multitude of reasons. For myself, I'll elaborate:
A. who's going to hire someone who can't even commit that they'll be able to work a full work schedule b/c every two weeks i have to be out for chemo...damnit chemo infusion centers dont work on weekends.
B. Even if i didnt' have to get treated every two weeks, there are many occasion when various complications keep me from getting into work at all...be it sudden blood transfusion, ct scan, scope, or iron infusion.
C. and even if I didn't have that potential looming over my head, in general, I'm exhausted enough after working a short shift of 6.5 hours four or five days a week as it is. And its a pretty easy desk job. I can barely remember the times when I worked two or three jobs at once, or worked fulltime and went to school part or fulltime. That sounds like a wonderwoman to me, and yet I used to do it.
D. If I'm able to get past all of that, I'd have to get a job that I can explain to them that once (minimum) but more like twice a day, for roughly a half hour at a time I'll have to lock myself in a bathroom. Which, in most normal jobs, you get a lunch hour. So maybe I could work it so that it was my lunch hour...now of course this would also mean that I would always spend every work day in a bathroom instead of eating. That could potentially get problematic.
E. Oh yea, and do I need to even touch on the subject of Insurance and the fact that I would not only wreck the insurance setup at most any business with my pre-existing conditions, I am basically a Liability. I know that an employer wouldn't be able to NOT hire me based on me having cancer, but exactly how would I be able to prove that even happened? I've toyed with the idea of not saying anything to a potential employer about cancer. But realized it's nto exactly plausible given reasons I've already stated and the fact that I would need to right off the bat be able to start scheduling my off days so I can get my treatments.

I could actually keep going with reasons I feel limited. But besides that all...I love my job. Well, I may not have that involved of a job description, but I love the actual organization I work for. It is a folk music school and they have been amazing for me. They are the most supportive and accomadating people. I feel very much blessed that I have an employer that not only is understanding of my situation, but are right there in my corner. They've allowed me to use the entire facility (including huge gorgeous concert hall) for my very first fundraiser. Than, my fundraiser I had a few months ago they all collectively raised about close to $1000 for it without mentioning a word of it to me. When I was in the hospital about to have surgery, the first (and one of the only) flower arrangements I received was from my coworkers. A bunch of them showed up to my fundraisers. They bend over backwards to help me rearrange my schedule when chemo-stuff changes. They're always very respectful of my situation, willingness to talk about it, etc. I never dread going to work in the morning, I love what my job offers to people. The fact that we share, spread, and support local arts, artists, musicians, etc. The fact that we have a place where people from all walks of life come together to learn, play, and share cultures. That we offer people with limited incomes the chance for scholarships and financial aid, including children from low income homes. And thats only a small part of why I love where I work.

So needless to say I feel stuck. Because I dont feel I can get back on my feet, which I've been trying to for three years. And I can't shake these Sallie Mae fucks. And yet I can't pay them. I can barely pay my rent all on my own. and my monthly payment due for student loans would come close to $500. and a partial payment would still be like $250. I think even if i just paid the interest accrued every month its close to $200. And I can't afford that anyway. I have rent/phone/auto/food/ and then I'm not even touching on the massive medical debt I'm already in (and just get deeper and deeper into every two weeks with the next chemo treatment. I make payments here and there, but there are some things that just dont receive anything. For instance, I dont think I've been able to afford sending payment to the radiation people...ever. I just can't when I have to make sure that my oncologists office is current on bills so that I can continue my drugs as needed.
I'll elaborate even more later about how all this just serves to contribute to my lack of self-esteem in anything these days.
If I could blink my eyes and make Sallie Mae just fall off the face of the planet, I would do it in a heartbeat. . Someone help me! puh-lease.

9 comments:

  1. I wish i could help you. believe me. If we had a house and more than 1 income you would be more than welcome to stay with us. Alas we are not yet in that position. If only this had happened like 2 years later. I have no solutions at this time.

    so here is some non serious solutions I hope that will bring a smile to your face.

    1) We ask the government for a bailout. Shit they bailed out an auto industry and wall street when they probably didnt deserve it. You deserve the assistance more than anyone.

    2)We go Oceans 11 on some Casino. Todd Can be Matt Damon, ill be George Clooney, you can be Brad Pitt(?), etc.etc.

    3) 2012 is supposed to be the end of Society as we know according to a bunch of screw heads and ancient civilization writing so....just hold out?

    i have more but im out of time, stay tuned!

    anyway ill jokes aside, Stay strong. God never closes the door without opening a window.

    ReplyDelete
  2. Time for another FUNdraiser? I'll truck the whole fam down from Madtown!

    ReplyDelete
  3. Hm, if you go with the Oceans 11 idea you can count me in.
    Or if you go with the fundraiser, I'll hop on the train and be there in no time.

    Sorry I don't have any great ideas of my own.

    ReplyDelete
  4. Regarding Sallie Mae.....have you applied for a "forbearance"? That's different from deferment and I think you would qualify under your circumstances. Check out the Sallie Mae student loan website.
    Becca, I'm sorry to hear about everything you are going through...I hope things start going better for soon. Take care, Ernie

    ReplyDelete
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