Saturday, November 2, 2013

A Boy and a Girl


A Boy and a Girl

My husband and I were both raised in middle-class homes.  I was born in New Mexico three and a half months early, weighing in at over 2 pounds.  I guess my first feat to accomplish in this life was to live.  When I was less than a year old, my parents and I moved to California so that Stanford could pick me up for a research study as I was born with my lungs extremely underdeveloped.  Children born as I was didn’t live long in the mid-80’s…. Until they realized (through my study) that moving to sea-level will allow the lungs to grow the remaining essential components needed for breathing.  Once I was medically stable, my family and I moved to Colorado.  What a beautiful place to grow up.  It was a small, quaint town where everyone knew what was going on with everyone else.  The mountain scenery was like what you would see in a painting in an art gallery… just plain breathtaking.  I moved back to New Mexico in the middle of my freshman year of high school, and moved yet again right before my senior year of high school to Texas.  No, my parents were not military…. We just moved a lot.  I do come from a broken home, which is not unheard of these days.  My mother and father have both been married three times, and thus I have one half older brother and two half younger sisters.  My parents both loved me dearly no matter what and I was very blessed for that.  My junior year of high school is when I learned of the private university.  It was very academically challenging, and as just an average student, I longed for that challenge. My father decided, before my senior year of high school, to have an important dinner conversation.  He took me to one of my favorite restaurants in town, and I ordered my favorite dish.  He then proceeded to tell me, “Just like your brother, I will not be paying for your college education”…. It was a formal dinner meeting… to discuss that I was to somehow be responsible for my future.  Despite this talk, I decided to apply to the private university.  I did not really expect to get in, until I checked the mail on a March afternoon… I had done it. Now I just had to figure out how to pull it off.

My husband, Studmuffin we will call him, was born in a small Texas town and that’s where he stayed for the majority of his childhood.  He was born at over 9 pounds (quite the opposite of me).  He lived with his grandparents for the majority of his childhood and they were wonderful to him. He also comes from a broken home, as his father has been married three times and his mother twice. He has two half-brothers and one half sister. He was sporty growing up.  He was the quarterback of the football team in middle school, played tennis and golf.  One afternoon, his junior year of high school, he was at a family gathering when his father called him into a back room.  His dad then proceeded to say, “There’s no money, and we cannot afford for you to go to college.  You must go into the military to fly jets.” Studmuffin then took note of the glasses on his face and knew that wasn’t an option for him.  He also, in that moment, recalled that his half brother and sister (one in grade school and the other a toddler at that point) already had their college paid for by his father who got them a college fund.  As a product of divorce, Studmuffin’s college fund was wiped away in court proceedings (just as mine was).  Most of Studmuffin’s friends were going to this private university.  Angry with his father, he applied to this private university to spite him.  On Valentine’s Day, the day after his 18th birthday, he got notification that he had been accepted.  Now he too had to figure out how this would work.  He just knew that it wasn’t the military as his father wanted, so he would do anything to make it happen.

Thursday, October 24, 2013

Introduction


Introduction

The purpose of this blog is not to get people to feel sorry for me.  It is not to rant or let out my anger.  It is to let others that are in our same situation know that yes, it can be done and you are not alone.  What situation may you ask? It’s a predicament that many young adults and Generation Y-ers hold in common.  College debt. 
You may have read an article in the past year or so, with a headline entitled something like “Former College Student Pays Off $50,000 of Student Loan Debt”.  You may read of the struggling MD resident student with $150,000 in college debt.  Having this much college debt is not unheard of for those with a Doctoral, Master’s or even a Bachelor’s degree, depending on what school you chose to attend.  For me, it was a private university. 

This private university, which will remain nameless throughout these blog posts, was the ultimate college experience.  Not only was it a big challenge academically, but all I knew was that all of the people that my family knew to have gone there were multi-millionaire businessmen and women.  If I was to make that much money post-undergraduate study then hey, why not go to a private university?  There was one catch…. neither of my parents had the money to pay for my college.  I was lobo solo.  Well, perhaps my next plan was to marry a rich man from a rich family. “Ok” I thought, “I will go to this private college, but then I will make so much money when I graduate AND marry someone rich? I will have it made”.  Oh does God have a sense of humor.

I did meet my soul-mate during my undergraduate career.  It was the summer before our junior year of undergrad.  We fell in love and you couldn’t separate us.  The only thing that wasn’t according to my grand plan was, this wonderful man, also did not have his college paid for by his parents.  We both were out of our league.  In the words of my mother, “the two most broke people at ___________ University found each other and fell in love.” 

I don’t regret any of the decisions I have made in my lifetime.  I would not have met my husband had I not went to that private university.  I would not be the professional that I am had I not got my Master's degree.  Our beautiful daughter, Sunshine we will call her, would also not be here had we not met.  A year and a half in to our marriage (and 4 ½ years past my undergraduate degree) we decided to sit down and actually put all of our debts into an Excel ledger. Yes, all of them.  Every unpaid doctor bill from college, every bill from when we never paid of the cable and, of course, our student loans.  What was the total? I thought you would never ask.  $314,000.00.  As a newly married couple this amount was pretty scary to look at on paper.  In one moment, the layout of the next 15-20 years of our lives were right in front of us in the form of six figures.
So, friends, here is our journey.  Our journey through our debt. You will have to excuse my writing style.  While I am a Speech Pathologist by trade, I do like to be very informal with my writing.  I hope that some of you find this helpful as you may be in a similar situation.  I will first begin the story of our journey with our upbringing.  More to come!