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The 5 Stages of Student Loan Repayment 'Grief'

You got your degree. Now to spend the next at least ten years paying all of your loans back.

Alex Claycomb

Feb 26, 2019

National Storytellers Society

The 5 Stages of Student Loan Repayment 'Grief'

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Facing the reality of paying back student loans can be rather daunting. I lately came to the thought of paying back student loans and grief have

1. Denial

Denial

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I may have gotten a promotion at work since I graduated in September and now being considered to be employed full-time, it had nothing to do with my degree. I know I am not the only retail employee with a college degree, but that does not make me feel better when it comes to having to pay student loans when I make less than $2000 a month.

2. Anger

Anger

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I often wonder how and why I did not realize exactly how much loans I had taken out in student loans over almost three years. I estimated that I look out thousands less than the actual amount and I never bothered to add up exactly what I took out until a month or so again. Ignorance is not always bliss, especially when it comes to finances.

3. Bargaining

Bargaining

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I have been on my plan servicer repayment website and app contemplating all of the different payment plans available to me. I have considered either doing an interest-driven repayment plan or as a last resort, to defer them for another six months while I tackle some other bills I need to take care of first. Decisions, decisions, decisions.

4. Depression

Depression

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The idea of paying loans back for a minimum of ten years royally sucks. I am almost 30 and have other bills and debts to pay, and my income is not that significant right now. The idea of growing up to work to pay bills for the rest of my life does not sound so great at all. Money may not buy happiness, but it would solve my money problem.

5. Acceptance

Acceptance

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In the end, I took out the loans to get this degree. Whether or not it helps me get a better job, which I hope it eventually does, I still have to repay the money I took out to help make this degree happen. It probably has no shot of being paid off in ten years, but I will hopefully pay them off, eventually.

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This article has not been reviewed by Odyssey HQ and solely reflects the ideas and opinions of the creator.

Entertainment

25 Beatles Lyrics: Your Go-To Guide for Every Situation

The Best Lines from the Fab Four

SUNY Binghamton

31463

Wikipedia Commons

For as long as I can remember, I have been listening to The Beatles. Every year, my mom would appropriately blast “Birthday” on anyone’s birthday. I knew all of the words to “Back In The U.S.S.R” by the time I was 5 (Even though I had no idea what or where the U.S.S.R was). I grew up with John, Paul, George, and Ringo instead Justin, JC, Joey, Chris and Lance (I had to google N*SYNC to remember their names). The highlight of my short life was Paul McCartney in concert twice. I’m not someone to “fangirl” but those days I fangirled hard. The music of The Beatles has gotten me through everything. Their songs have brought me more joy, peace, and comfort. I can listen to them in any situation and find what I need. Here are the best lyrics from The Beatles for every and any occasion.

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best beatles lyrics

Student Life

Waitlisted for a College Class? Here's What to Do!

Dealing with the inevitable realities of college life.

Smith College

95117

college students waiting in a long line in the hallway

StableDiffusion

Course registration at college can be a big hassle and is almost never talked about. Classes you want to take fill up before you get a chance to register. You might change your mind about a class you want to take and must struggle to find another class to fit in the same time period. You also have to make sure no classes clash by time. Like I said, it's a big hassle.

This semester, I was waitlisted for two classes. Most people in this situation, especially first years, freak out because they don't know what to do. Here is what you should do when this happens.

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Recommended for you

The 5 Stages of Student Loan Repayment 'Grief'

You got your degree. Now to spend the next at least ten years paying all of your loans back.

1. Denial

2. Anger

3. Bargaining

4. Depression

5. Acceptance

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The Best Lines from the Fab Four

And in the end, the love you take is equal to the love you make

The sun is up, the sky is blue, it's beautiful and so are you

Love is old, love is new, love is all, love is you

There's nowhere you can be that isn't where you're meant to be

Life is very short, and there's no time for fussing and fighting, my friend

He say, "I know you, you know me", One thing I can tell you is you got to be free

Oh please, say to me, You'll let me be your man. And please say to me, You'll let me hold your hand

It was twenty years ago today, Sgt. Pepper taught the band to play. They've been going in and out of style, but they're guaranteed to raise a smile

Living is easy with eyes closed, misunderstanding all you see

Can you hear me? When it rains and shine, it's just a state of mind

Little darling, it's been long cold lonely winter. Little darling, it feels like years since it' s been here. Here comes the sun, Here comes the sun, and I say it's alright

We danced through the night and we held each other tight, and before too long I fell in love with her. Now, I'll never dance with another when I saw her standing there

I love you, I love you, I love you, that's all I want to say

You say you want a revolution. Well you know, we all want to change the world

All the lonely people, where do they all come from. All the lonely people, where do they all belong

Oh, I get by with a little help from my friends

Hey Jude, don't make it bad. Take a sad song and make it better

Yesterday, all my troubles seemed so far away. Now it looks as though they're here to stay. Oh, I believe in yesterday

And when the brokenhearted people, living in the world agree, there will be an answer, let it be.

And anytime you feel the pain, Hey Jude, refrain. Don't carry the world upon your shoulders

I'll give you all I got to give if you say you'll love me too. I may not have a lot to give but what I got I'll give to you. I don't care too much for money. Money can't buy me love

All you need is love, love is all you need

Whisper words of wisdom, let it be

Blackbird singing in the dead of night, Take these broken wings and learn to fly. All your life, You were only waiting for this moment to arise

Though I know I'll never lose affection, for people and things that went before. I know I'll often stop and think about them. In my life, I love you more

Obviously the best superpower.

There have been many lessons learned.

1. The importance of traditions.

2. How to be thankful for family and friends.

3. How to give back.

4. What the word "community" really means.

5. That it isn't about the destination, but the journey.

6. The consequences of making bad choices.

7. To trust people, until you have a reason not to.

8. To be welcoming and accepting of everyone.

9. How to be my own, individual person.

10. How to work for what I want.

11. How to be great at giving directions.

12. How to be humble.

13. To be well-rounded.

14. How to be great at conflict resolution.

15. The beauty of getting outside and exploring.

16. To be prepared for anything.

17. That you don't always have to do it alone.

18. How to be creative.

19. To brush off gossip.

I have never been so thankful to know you.

Dealing with the inevitable realities of college life.

Don't freak out

Email the professor

Attend the first class

Keep attending class

Have a backup plan

Remember that everything works out at the end

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