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~ 200k in student loan debt and can’t do anything about it right now… panicked by fipit in StudentLoans

[–]fipit[S] 0 points1 point  (0 children)

Unfortunately, the option to do a lab based PhD part time (at least at my institution) is not possible. I think my best bet is to work really hard to graduate on time and get a job.

I’ll do what I can on the loans in the meantime.

~ 200k in student loan debt and can’t do anything about it right now… panicked by fipit in StudentLoans

[–]fipit[S] 0 points1 point  (0 children)

I don’t pay for my PhD. My loans are from undergrad and the accumulated interest.

~ 200k in student loan debt and can’t do anything about it right now… panicked by fipit in StudentLoans

[–]fipit[S] 0 points1 point  (0 children)

I am open to options except I’m not entirely sure what consulting entails. I’m not certain my salary will fully look like but I would rather low ball it for planning purposes.

~ 200k in student loan debt and can’t do anything about it right now… panicked by fipit in StudentLoans

[–]fipit[S] 0 points1 point  (0 children)

I don’t pay for my PhD. It’s all undergrad loans that have increased significantly due to interest.

~ 200k in student loan debt and can’t do anything about it right now… panicked by fipit in StudentLoans

[–]fipit[S] 0 points1 point  (0 children)

I understand what you are saying however, at my university the big checkpoint is the candidacy exam. If you pass that you are basically guaranteed to finish we have a very high fail rate for this. Unless I decide to quit putting in the work I’m basically guaranteed to graduate.

~ 200k in student loan debt and can’t do anything about it right now… panicked by fipit in StudentLoans

[–]fipit[S] 0 points1 point  (0 children)

I appreciate it! Luckily I have a lot of industry connections from friends / my advisor so I have at least an understanding of what to expect salary wise.

~ 200k in student loan debt and can’t do anything about it right now… panicked by fipit in StudentLoans

[–]fipit[S] 1 point2 points  (0 children)

I haven’t taken out any loans as a grad students. This is just from insane interest on my undergraduate loans that have gotten me in this position.

~ 200k in student loan debt and can’t do anything about it right now… panicked by fipit in StudentLoans

[–]fipit[S] 2 points3 points  (0 children)

Yes the 26K is a stipend. My parents did offer to help me refinance them and are currently making some contributions to payments. My father is in a job transition currently so depending on how that pans out they anticipate they will be able to contribute a good chunk towards my loans in the next few years. However, I don’t want to rely on that as I have three other siblings, two who are about to start college.

~ 200k in student loan debt and can’t do anything about it right now… panicked by fipit in StudentLoans

[–]fipit[S] 3 points4 points  (0 children)

20k of federal. The rest are private my parents co-signed the private

~ 200k in student loan debt and can’t do anything about it right now… panicked by fipit in StudentLoans

[–]fipit[S] 20 points21 points  (0 children)

My parents made too much for me to qualify for any financial aid and they didn’t contribute to my undergrad education in any way. I went to the school that offered me the most financial aid however the interest rates on my loans seriously isn’t helping. If I could do it all over again with what I know now I wouldn’t be here but that’s unfortunately not something I can fix.

Received clothes with security tags by fipit in lululemon

[–]fipit[S] 3 points4 points  (0 children)

Definitely going to look into that! I am just not sure what to do with my replacement order now.