It's the season of good cheer and all that, but there's still plenty of bitterness out there. And where better to unearth people's sad feelings than Twitter?
In the past few weeks, many recent graduates have had to make their first student loan payments (the most common student loan product has a grace period that ends six months after graduation), so some borrowers shared their feelings about this new life experience.
It won't actually take forever, but that's probably not much comfort to the millions of people who have to put large chunks of their paychecks toward their debts for the first decade of their working lives, if not longer. These tweets from the last couple of weeks give a good sense of how depressing it can be to have years of loan payments ahead of you.
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Some people have a sense of humor about it, though the jokes are a little dark:
And then there's the stuff that's just upsetting.
When I reached out to Cyrus Shepard, he responded with this sobering fact:
As unpleasant as that sounds, that's the reality of student loan debt. It's rarely discharged in bankruptcy, meaning you have to pay it off eventually or suffer the consequences of default: debt collectors, a bad credit score, wage garnishment, lost tax refunds and even Social Security garnishment. (You can see how your student loans are impacting your credit scores for free on Credit.com.) If you have a student loan debtor on your gift list, maybe consider getting him or her some cash.
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Image: shironosov