Also incredibly broke. I'm making less money with my part time job than I did on unemployment. I can't afford to pay my bills. I still can't find a second part-time job or a full time job, and, even if I did, how will I find the time to work it?
I had my bills paid down before losing my last job, and now they're all back up again...and my FICOscore is going down. This can affect my chances of getting a student loan. I was also told by the Financial Wizards at the medical schools that I won't be able to afford old bills while living on a student loan during medical school, so I need to get those paid off.
Here's my quandary: if I take off the years I would need at my current rate of income, I'll be in my seventies before graduating from medical school. If I continue as I am, I'll have a horrible FICO score and I won't be able to actually get any student loans. If I find a job that pays more and can actually go there, then maybe I can graduate from medical school in my early sixties. If I claim bankruptcy, I'll be ineligible for student loans.
So, what I need is one of the following:
- winning the lotto
- setting up a Kickstarter account and actually reaching my goal
- finding someone who will give me a quiet personal loan that I won't have to begin to pay off until after I complete medical school (in five years or so if all goes well)
- a miracle
Sigh. Guess I'll get back to my O Chem homework now...
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