How can I ever pay back my huge student loans?
One problem is that I can never go back to teaching in the public school system out here (LAUSD) because I hated it; my school was too strict and authoritarian, overcrowded, and unsupportive of a new, middle-aged teacher. I also had a troublesome teaching aide, but because he had a strong union, my union said that I could do nothing to move him elsewhere or remove him because I lacked tenure.
Anyway, I feel that I have to stay in Graduate School as long as possible before I have to start repaying my colossal student loans.
Any suggestions besides jumping off a bridge?
If you were able to go back into teaching, special education is a critical shortage area and as a special ed teacher you should be able to get loan forgiveness for at least a part of your loan–as long as you are teaching.
Other than that, you will pay it off month by month beginning 6 months after you graduate. Your lender will work with you if you have difficulty making the payments. You will also be able to deduct the interest on the loans from your federal income taxes. Check with your tax advisor for full details.
Good luck. The situation is not as grim as it looks right now. Take it a day at a time and consider all your options carefully. I went back to school to get my credentials in my 40s and I am still paying off my loans.
Any option of moving to a different city or state? Sometimes not an option based on family circumstances, but special education teachers are in high demand across the country.
…and yes, sorry, all LAUSD schools are overcrowded.
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