I do it, and I do it big. Here's to not forgetting about it.

Posts tagged ‘student loans’

No Regrets!

Mommy has no choice but to shake her head and smile when I do something, like eat a plate of food that she has obviously set aside for herself, and she calls me out. My response is inevitably, “No regrets!” It’s not like I am going to lose her love, right? The food was calling my name.

I feel similarly about life at times. The world is my Mom’s plate for the taking. I write from about 10,000 feet, on my way to see The Mentor and run a race with her in her current home city of Washington, DC – one of my favorite places in the world.  I am insanely blessed to 1) have an amazing friend like her, 2) have the means to visit her, and 3) have a job from which I am able to take time to visit her. As I gaze out of the window and see God’s beautiful creation, I am made to smile.

Of course, since I am myself, I am unable to feel pure joy. We COULD crash any minute, you know. Also – am I working hard enough? Do I really have any discretionary income – you know, considering? Have I had all of my fun? Live update: we have made it to the gate and as long as I make it back (seriously, Lord, I’m kidding) my loan payment is still due. I will say this – my student loan debt has made me less afraid to die. But I digress, however slightly.

Am I living a life that brings the Lord glory? What am I doing? Is God happy when I am traveling and being the tax and spend Democrat that my Daddy says I am? Perhaps even more importantly, am I using my working days in a manner that pleases Him? What if I am doing everything wrong? How can I be sure that I won’t face Him some day and be greeted by a divine face palm?

At work, I seek to inspire others to tap into their capabilities. I want them to feel comfortable exploring, excited about creating, and willing to collaborate with their classmates to do so. I suppose God could find my desire to facilitate such things pleasing, though I feel I fall short often.

Sadly, my money goes to church with more frequency and predictability than I do. I was baptized in a white evangelical church where I received (and do receive, when I go) solid teaching, but it is difficult for me to cope with the fact that this demographic is the one that is MOST supportive of – well, you know. To be fair, I haven’t really been afraid in the last few years to schedule a race on a Sunday or train or just sleep in. Can I really not afford to give God a concentrated few hours a week? If what we value is reflected in our finances, how much more so with our time?

How much would it suck to be having a good ole time down here like an idiot and being doing it wrong? How can I know I am okay, so to speak? I want to nourish my relationships, professional and personal. I want to challenge myself to grow. I want to see things I’ve never seen before, but I want to do it all in a way that pleases Him. This is the only way I will surely have no regrets. I wish I knew exactly how to do it.

 

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My Debt

I’m a well-educated millennial. It didn’t take two masters degrees for me to learn how to balance a budget, but now that I have them, it seems that for the foreseeable future I will have a line item reading “Student Loan Repayment.” In my first years after school, I wasn’t really thinking about the long-term consequences of having them, but I was forced to when I tried to do the most adulty of adult things last year.

Adonis and I tried to buy a modest townhome and our debt to income ratio, because of my extensive education and my chosen underpaid profession, resulted in a denial of the home loan. Man, I cried and I CRIED. I felt – and still feel, to some extent, like a failure – despite everything I’ve achieved and how hard I’ve worked, my financial profile somehow makes me unworthy of this official step. I feel like I’ve ruined my life and I had the greatest of intentions in pursuing my education. While I am quite sure I’m not the only person in this situation, it is difficult for me not to feel self-pity.

money pink coins pig

How Banks See Me.

I have had several months to reflect on my impassioned reaction. It is interesting to me that I was so profoundly disappointed to not acquire something that I have been historically quite dispassionate about. I often say that I ran out of commitment juice when I got married – no. more. long. term. THINGS. EVER. When I think of homeownership, it honestly seems like a drag – the landlady has more responsibility than the tenant. The ONLY perks are 1) a fixed cost in monthly payment (hahaha that commitment is okay I guess) and 2) building equity. So why was I so upset?

Welp. The most reasonable explanation is that no amount of education can stop the ungodly reflex of lamenting that “everyone else is doing it.” Honestly, the worst part of that is if everyone else is doing AND not everyone else is as educated as I am, maaaaan I have really made some poor (rimshot!) choices. I am half-joking when I tell people that my mind is my mortgage, but for now, that seems to be true. Truer still when the literal meaning of mortgage – DEATH PLEDGE – is examined. I suppose no one would come to foreclose upon my mind and repossess my degrees, but it most certainly feels like it is going to be with me forever.

Paul wasn’t lying to Timothy.

For the love of money is a root of all sorts of evil, and some by longing for it have wandered away from the faith and pierced themselves with many griefs.

1 Timothy 6:10 (NASB)

I have no wish to wander. Yes, I have an obligation to pay this debt, but that is no reason for me to pierce myself and pine for something that clearly God did not want me to have in that moment. Perhaps my name may never be on a title, but the most important title I will always hold is child of God. The debt I must focus upon is the one I have to God for making a meaningful life possible.

Pray for me.

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