There is too much to this question to even attempt to explain myself fully. For more specifics, ask specific questions please.
By no means will the results of this be a determining factor, but I will take them into consideration.
Update: Thank you so much for all of the thoughtful sincere insight you all have provided so far. I love the Hubski community, you all are incredible people. I am leaving to go camping this weekend and will return Sunday in the evening. Please continue to post as I would love as much wisdom shared with me as possible.
If you're 3/4ths finished then finish it. Take this from the guy who, through various circumstances and transfers and finances, has lost two years of college and the head start I had from AP credits. Also never enroll in an honor's program that has a unique design because it doesn't transfer. Also never go for a history degree if you think you'll be doing revolutionary intellectual work. You will be taking a lot of notes from professors who don't really like teaching. Also never succumb to a horrible period of depression lasting several months which causes you to fail several classes. I'm going to go watch a movie and be sad now.
Also never succumb to a horrible period of depression lasting several months which causes you to fail several classes.
Fuck.
I've already been in a horrible period of depression since the school year began. The thought of quitting school isn't new, it's been going for about 8 months now. I ask you for your personal opinion: is another year of school worth the additional years of debt it'll bring?
Exactly, it's just a piece of paper. Not that I wish to hoard money, but the CEO of the company I work for buys a $200,000 car every month and didn't go to school. So even if I didn't finish and did end up wanting to become a money hoarder, the potential exists to do so. Yes. There hasn't been anyone around who understands my anger/frustration.
There is that. I dunno. I like money too but I'd rather feel like I'm doing something with my life than contributing to a business. I suppose that's at the core of the situation, really: is the thing you are doing something that you love? I hate college. I really do. Its tedious. I hate my Gen Ed courses, I hate busywork in courses I otherwise like, I hate having to gamble on whether or not the professor is going to know less than me on the subject every time I take a class. Its frustrating. But, I really do like what I've been able to see of Communications, far more than I've liked history. And if I want to get in to the field, I know that at least some of the courses I take will be useful. So what if I end up poor? I don't have kids. I don't have a girlfriend, and even if I did if she would dump me for having no money then I wouldn't want to date her in the first place. My one ex is down in California with no job, but she's happy because she's doing what she likes. I'd love to get in to editing, for TV or film, doesn't matter. There's busywork on the way but an education is going to help, even if its just another hurdle. And if that saddles me with debt, well, so what? I'd rather be in debt than spend the rest of my life doing something I dislike. If you want to chat in messages on anything more private I'm all ears man.
We haven't quite gotten personal enough for private messages I'd say. But when the time comes for tears, we'll head that way. Plus, the more others see about what I'm thinking will allow them to provide a more specific answer. This is my favorite Alan Watts Speech. Especially what he says at 1:14. I don't want to be poor though. I want nothing to do with money. With lack of an attachment and dependence to money comes wealth in life I think.
Hey, B_C, I would hasten to point out here that the times are changing. I work in the finance industry at a pretty advanced, let's say, mid-level position. My immediate bosses in the past years have been assistant vice presidents or VPs and up. This sounds like I'm a pretentious douchehole talking out my ass to sound important, I'm sorry, and I'm not. So anyway, in this position, several of my co-workers have not had college degrees. They are older (50s) and they have essentially hit the ceiling, partially due to their lack of degree(s). I can say this with certainty because I am in my mid-twenties and I was hired into this position precisely because I had a college degree. Yes, that's right - I'm mid-twenties and I'm starting out at a place where other people are ending their careers because of one stupid little piece of paper. My degree isn't even relevant to the work that I am doing! But there is a big push to get these mid-level degrees filled with people who have diplomas, as opposed to the people who have been entrenched in the system for 20 years, worked their way up to good earnings, and are now at a ceiling. In all honesty, that is that CEO of the company you know. He has managed to work his way up during a time in which college degrees were not so important. Think about it; he was probably part of the 'trench warfare' in that company in the 80s, when a college degree was much rarer and a more significant deal. I highly doubt that you would be able to replicate his sort of success today with the ubiquity of college degrees and the growing requirement of employers that the people they interview have this requirement.
I understand what you're saying. I'm so gung-ho about my dream that I am perhaps letting my vision of the future become jaded. I'm not necessarily allowing for the possibility of joining the system to come true. In part I do that intentionally. In not preparing for that situation I'm even more determined to make my dream a reality.
It might be a good idea to ask if the depression is directly a result of feeling that you are going in the wrong direction, that you are not writing the script for your life that you'd like to write, and that you've lost control of your life -- in which case quitting school and doing something that you are MOTIVATED to do will help lift the depression. OR if the depression is caused in part by homesickness, not enough sunlight, genetic or biochemical factors, neurotransmitters being blocked -- i.e. physiological causes that would be completely unaffected by quitting school. It might also help to revisit your passion for music and look at the reasons why you wanted to study in the first place. Depression might be taking up so much room in your heart that you've forgotten those things. It would probably be a good idea to talk to a school counsellor - make a couple of appointments if possible so you could look at all sides. and finally, quitting school now, working for a few years and paying back some of your debt doesn't mean you can't go back later with greater passion and commitment. JTHipster, depression is pretty awful. I hope you get some help as well. Also watch this if you haven't already. It's the best explanation of depression I've ever heard - especially if you have what might be called "clinical depression."
I would attribute it to a lot of things, my thoughts about going down the wrong path included. I was one who denied the validity of depression, claimed by those who didn't know how to be happy. I was always known by everyone to be the happy person. But then a massive shit storm of terrible occurrences came about and I lost the ability to find beauty in things. I didn't want to (nor do I still want to say) I was/am depressed, but it might be so.
Things I'd attribute my depression to: the realization of how much debt I have, relations with roommates going sour, missing my family, the struggles of not agree with the concept of college/money, and winter and the lack of light it brings along with the inhibition of going outside. I believe my passion for music has been waning not because of my sadness, but because of the hindrances I feel the educational system puts on the creative aspect of the music. I feel as if we're getting way too into crazy scales and things to play over chord changes that it's not even about the expression of oneself. I've begun to rebel in a sense and superimpose time signatures over the ones the rest of the group plays to not necessarily throw them off, but to realize not everything has to fit into the mold the professors are telling us it has to. I sort of have taken an interest in hip hop bass lines as that's about solid groove and not fancy shmancy scales.
I don't know that the program would allow me to take a break, but it's definitely something to consider and talk about.
I don't have time to watch this now as I'm about to leave to go camping with my girlfriend for the weekend, but I will once I get back.
Yeah, but you're 22 years old and one day there might come a time when you wish you'd have stuck it out to get that degree. That said, you are brilliant and I have every reason to expect you'll continue to kick ass in life, but you can't be sure that you or BLOB_CASTLE won't someday want that piece of paper. I didn't "need/want" it till I was 32. Hit a ceiling and it was a requirement. BS requirement for sure, but having it DRASTICALLY improved my earning potential and gave me a career I really enjoy as opposed to a job I moderately tolerated.
I completely agree. Plus, being in a creative field like me, talent and connections get you access to jobs, not a piece of paper. I actually just recently had a discussion with a guy I worked on set with and he respects me more because I dropped out of school and found my own way rather than stick it out. Different industries are different, and different people are different. He's a bit of a rebellious drop out rockstar as well so I think that similarity let us connect on a deeper level. That said, I'm a lucky fuck in a lot of ways and my story is probably not typical.
Plus, being in a creative field like me, talent and connections get you access to jobs, not a piece of paper.
I couldn't agree more, but you never know when you might want to change fields and you never know what the next path might require.
But is taking that amount of a precaution worth it?
Yes. You have nothing to lose by finishing really and you have nothing to gain by quitting. As I said earlier, the life of a moneyless nomad isn't going anywhere. Enjoy your camping trip, find some joy out there pal!
Good point again. Thank you, I hope a nice little vacation in nature will help sooth my mind.
Now that's something I've always been interested in trying.
Yeah jazz studies with emphasis on bass performance. Haha, you have a point. Sooner or later I will. I don't have any qualms about trying drugs that occur naturally.
Yes, a vacation might help a lot. Regardless, give yourself 2 weeks before you make a decision. I took 3 to make a final decision and I'm glad I did because my emotions and viewpoint swung back a forth a lot. Also, if you do decide to quit, make sure to go through the right paths and don't burn any bridges. Make it a leave of absence so you have a backup for a period of time. I was on LoA for 2 years and NYU still emails me today asking if I want to register for classes next semester.
Yes. I did 3.5 semesters of college at NYU - Tisch - Film/TV. I dropped out halfway through my spring semester in 2010, worked in NYC on set until November 2011, moved to Sydney, Australia until April 2012, got a job at this company, and just got my first promotion and raise. I do web design, code, graphic design, and produce and edit our company and product videos. We also now do videos for the client, so I have produced and edited 11 videos for a massive brand in Atlanta. I'm happy.
Do you regret leaving so late in your college career? How much debt had you amassed?
Debt wasn't an issue in my case. My dad only did a couple semesters as well and the fund his mother started for him 70 years ago was transferred to me and my brother when we were born. It literally has been sitting and growing for 70 years. I don't regret it at all. I was overly stressed and working too hard and doing way to many drugs to cope with the lack of sleep and lack of passion I was feeling towards film in general. I worked my ass off on projects I wanted to, kept close with my peers in my class, and continued to work with them. I just didn't do the classes anymore. I was still part of the community, which in a field like mine is a huge thing. Connections are everything in Film. Plus I'm a huge believer in "doing and creating to learn" rather than "study your butt off to learn." The classes like "Italian Cinema in the 1920s wasn't helping me in producing or editing films. NYU's film program, especially for the first 3 years, requires you to direct your own film. However I didn't want to direct I wanted to produce so I was juggling writing and directing my own shorts while producing or assistant producing on thesis projects. I got more out of producing for these projects than I ever did in the classes. Plus, my mental health was severely impacted by the workload I had taken on. If I had continued down the path I was taking, I would've definitely lost it. Something had to give and I chose to give up the piece of paper and classes over the thing I valued more - the set work.
With financial aid it hasn't been quite that much. Actually, because my dad being laid off from work right before I started school did wonders for my financial aid (as terrible as that might sound). I think currently I'm around $40,000 in debt. I do fully understand that that isn't nearly as much as others. However, that is a significant amount considering I don't anticipate having a job that would pay that off quickly.
I'm not sure. My dad started his own insurance company since being laid off so he has some income, but not much. I'm not sure how it'll affect financial aid though. Last year I had significantly less financial aid than my freshman year though which sort of scares me for when financial aid for next year goes through. I hope that it's no more than an additional $15,000.
Hm. Well, if you have the option of $40k and no degree, and $55k-$60k and a degree, I would stick it out. IMHO it would be a mistake to allow your own feelings on the value of a college degree weigh too heavily on this decision. I say this because there is a lifelong advantage in having it. You personally might not be convinced that it is worth an extra $15k in debt (and the arguments on that side are convincing), but believe me, many people do feel it is. Rather than having to be the guy that "was successful despite not finishing college", you don't have to weave that narrative into your future endeavors, whatever they may be. One year from now, you can walk away with the degree and say: "What a waste that was!" And, even if you feel that it was a waste of money in your heart of hearts, and even if you tell people that you feel this, they will see you differently. They will see you as someone that finished what they started, and then moved on, and I am not just speaking of employers. IMHO you will feel better closing the book on this with the degree in your hand. You will carry less doubt with that decision, and people will see less doubt.
I was a jazz studies major once. One of my teachers was considered to be the 2nd best saxaphone players in Detroit. He told us that if we wanted to be jazz musicians we should drop out of school immediately. I'm not saying that is what you should do, just saying what the 2nd best saxophonist in Detroit thought about a jazz studies degree.
It's true, jazz education is a joke. This is real jazz education. Honestly, the main reason I came to a school 8 hours from home is because I wanted to get away from my family. Three years later, I want to be as close to my family as I can.
No you shouldn't feel bad, it's something I've known and have personally been told by some jazz educators before. The heaviest of hitters never went to school and look at what they did? It makes one wonder the wonders of heroin though. I don't know that I'd ever go that far, but it makes one curious that's for sure.
I thought Coltrane and Miles did a heroin? Regardless, I know Coltrane's free jazz phase was clean.
The whole thing is a bet. It depends on what you're doing, what you want to do, and the money you end up saving or spending. Does quitting impact your job chances? If you're trying to be a scientist -- yes. Artist? Not as much. Also, are you really getting something out of your education; can you learn via other (cheaper) methods? Can your prospective job be automated in the near-future? Technology like Watson will be changing a whole slew of data intensive fields, rendering many a education worthless. Generally speaking, the jobs of the future will be creative in some way. The middle man is being cut out. Work on relevant skills, and you should be fine. Besides, the economy will likely go through a huge transformation before we all expect it so why worry :)
Do not let your confirmation bias get in the way of clear thinking when it comes to the feasibility of living a money-free life. The best advice for you has already been stated. Though a degree in its physical form is a piece of paper, it must also be viewed as a personal achievement. If you quit now, there will be an immediate feeling of weight being lifted from you, but that weight will eventually manifest itself in another guise as depression always does. Have you ever been on antidepressants?
I've never been on any sort of medication and never intend to.
I dropped out of a 4 year university program after 2 semesters. I had little invested at that time, and just couldn't do it anymore and realized it wasn't what I wanted to do. Went back to work full time, went to a two year tech school program, got classes and teachers that were actually interesting and engaging, paid cash the whole way through, took on no debt, and got a job almost right out of school. Now I have a career I love, make good money, and really have zero worries in life. But in your situation, being so far in and so close to finishing, I'd count me in for a "just finish" vote. You're so close. No one NEEDS a college education to succeed or be happy in life, and it entirely tends on what you want to do with that degree, but being sooooo close like you are I'd say finish it. But I'm not one to talk, I was depressed in college and couldn't take it anymore. It wasn't me, it wasn't how I learned, it wasn't making me happy, and in the end, I didn't need it. But this decision is entirely up to you. But like others have said, I wouldn't bank your life on the idea of "quitting money", as it's possible that is a passing flight of fancy, and that you may not want to do that your whole life. Life changes fast at any age, but even faster at your age.
I do understand that I could change my mind. But like you said, "no one NEEDS a college education to succeed or be happy in life." I'm just trying to get some insight from those who have been in a similar situation. I haven't decided on either yet though.I was depressed in college and couldn't take it anymore. It wasn't me, it wasn't how I learned, it wasn't making me happy, and in the end, I didn't need it.
That's where I feel I am. You were fortunate to realize that much earlier than I did.
Ask yourself this: If I could finish the rest of my degree for free would I continue? If yes, then get the degree. Having it will give you an invaluable sense of agency.
Well obviously I would do it for free because that would eliminate the issue I'm having of dealing with the debt.
I'm just trying to articulate that money shouldn't always be the number one factor with certain decisions in your life. Maybe this is one of them.
If you were going to that, you'd have to be absolutely sure that you would never return to civilization because your credit will be completely shot. Also from a moral standpoint this type of thinking makes me sad. If you have debts, you should repay them.
That's a funny kind of moral absolutism. I think it depends on whether or not the mechanism for creating the debt was entirely just in the first place. I'm not sure the inflated price of college combined with federally guaranteed student loans from a faceless corporate creditor that experiences no risk really fits the bill. In the case of a loan through a family friend, I would feel more obliged to honor it.If you have debts, you should repay them.
I strongly agree with this sentiment. IMHO one of the biggest cons of recent years was convincing the public that honoring debts to debtors that did not honor their own was the moral thing to do. Of course, a personal debt to family or a friend has moral obligations, but you would be hard-pressed to find a large debt underwriting institution that views its contracts in moral terms. When the contract is viewed only through a legal perspective on the other side of the table, you do yourself a great disservice to assume the whole of the moral baggage.
Not to mention that by the time you decide to pay the debt, if it is already delinquent, the person or entity that financed you to begin with is often no longer holding the debt, but has sold it to someone else for pennies on the dollar. It's a strange, strange process and not one that should be confused with the emotional strings that occur when borrowing money from a friend or family member. Two very different things.
I could sit here and read this subset of the thread for days.
My local library has this. I am checking it out as soon as possible.
Yeah, that's fair. In this case I'm inclined to agree with you. But in most cases, regardless of whether or not you think the debt is just, you still agreed to pay it back in the first place. Since you made that initial commitment, I still think you have a moral obligation to repay.
I completely agree with you. The bank never had the money to loan me in the first place, what do I owe them? However, a significant amount of loans I have are through a family friend.
Does that mean you have borrowed money from a family friend to fund your college education? Doesn't that give you more of a moral obligation to repay the debt?
Exactly yes. I feel morally obligated to pay back the debt since it was from a family friend. Had it been from a bank, I'd feel no remorse not paying them back.
and also, perhaps you should clarify the "deal" with the family friend. If the friend wanted to encourage your music career by helping your education, you can let the friend know how the courses (including jazz history) has helped set the stage for your music career and if you did not finish the degree, the loan was not wasted. If the friend thought there was real value in a degree, perhaps for a future academic career as well as a music education, you might consider having a talk with the friend before going further.
That is definitely something to consider. I did have a similar talk with this friend at the beginning of this school year about whether continuing was worth it. In giving me the loan she does believe that continuing is worth it. I do plan on talking to her again about the situation soon.
hey B_C, Hope youre looking back at this and getting a feeling of strength that you pulled through. It's not often I see people in doubt and on the edge of hope get back on a good track for themselves. Take care.
It definitely wasn't easy, but yes. feelsgoodman.jpg
I can't say I'm in a position to really give some advice to you. I never went to college, mostly because I felt I was never intellectually prepared (Still don't think I am), but also because I feared I too would want to quit, since I never quite meshed well with traditional education (Dropped out of High School). Not having the funds to do it also kinda put a monkey wrench in it. I would have studied Philosophy or Physics (Or both), and you can't do much with those without going all the way and competing with people who put their lives into it, or going to some other field, so college never made much sense to me. But if went, I would have pushed myself until I finished it, no matter what happened (I know this contradicts my fear, but if that much money is on the line, I'm going to get SOMETHING out of it). I would have probably been in a lot of debt with only a meager GPA to show for it and no reasonable prospect of employment, but I would have done it, and goddamnit would I have been proud of myself, because I'm usually a forward looking guy (When I'm not ridiculously pessimistic and overly cautious, which are two things that, bad enough as they are together, are even worse when you alternate between them, as I've had the displeasure of discovering), and also because I wouldn't allow myself to feel down about it. No one in my family has ever gone to college. We're all poor folk, and the idea of college and "moving on up" is an endearing one well worth chasing, even if the chase is better than the actual reward. I personally don't know if it's a good idea for you to quit or not, since only you know what's going on and what's a good idea in your circumstances, but if I were in your shoes (with just the minor adjustments of my choice in major and the likes), I would stay.
I don't think it's a good idea. I think what you should do is start working with a career counselor about getting a job straight out of college. Have you met anyone who plays for cruise ships? It's not a bad way to get professional music experience, not to mention meet all kinds of people who could end up in all kinds of places that might be helpful to you at a later date.
I do have a job lined up. I currently work at an electronic repair shop and the manager has said that if I were to move back to KC or Portland (I don't belong in the suburbs of Chicago so one of those will happen in the next year or two) he would open up a location for me to manage. Through this an ownership position could open thus decreasing the time I'd pay back my debt. I have a few friends who just got back from being on a cruise. I haven't spoken with them about it but I imagine they had a good time. It's definitely something to look into. edit: The business I work at is very prosperous as it already has about 50 locations.
no. How far in are you? You're major is jazz studies? You have a minor?
About to finish my third year. Continuing for another year will only put me that many more years into debt. That only postpones the realization of my dream to live without money. No minor. The jazz studies program is too involved for a minor.
Your dream to live without money is a fantasy. It's literally impossible to be self sufficient. The Amish aren't. Tribal communities aren't. Stick with college. You can live on little money if you can live without amenities, but your options for how to make the little money you will inevitably need are greatly increased with a college degree.
Daniel Suelo has been doing it for a while now.. Also, I've corresponded with him through an email he keeps up through the Moab public library and he is in the process of getting people together to form a moneyless tribe. I've come to realize that living with no money would be easier than living with little money.
I wish you luck, but I would still urge you to finish what you've started in school. 3/4 of a degree is far worse than no college, and neither is as good as finishing. You don't know what the future holds in terms of your personal outlook on life. You will be more prepared having a degree, whether you "use it" or not.
And that's where my main struggle lies. Because one year in school doesn't equate to one year of paying off debt. I was not very wise when choosing a school and tuition is about $40,000 a year. Granted I have Financial Aid, but it's still quite a bit of money. The only thing I can think of that I would use a BA for is to join the Peace Corps. But even then, their requirements are either a bachelor's degree or four years of professional work experience.
Just finish, trust me. I dropped out of school my junior year because I was certain that I'd end up either a successful touring musician or writing/recording scores for film/television. Well, my life took a different turn, and I'm glad it did, but while going down the new path I chose, I hit a point where I couldn't go any further without completing my degree. I had to go back and take classes at night while working a full time job. I should have just stuck it out for one more year, then tried my hand at music. You should stick it out one more year. The life of a nomad isn't going anywhere. Wait a year, a lot can change in a year.
You spent 40000 a year to get a jazz degree? Did you not -- didn't anyone tell you this wasn't the best idea? :( Things to add about thread; couldn't agree more that 3/4 of college is much worse than either no college or complete college. As the former isn't an option anymore, you should finish. Regarding the Peace Corps, what sort of loans do you have? Deferred interest to a certain income level? Because the Corps can help you out there. Give you some time to figure out what you're wanting to do, while not accruing stupid amounts of interest. And they pay you a lump sum when you leave. So if you're willing to toss a few years toward going somewhere interesting, think of it as an automatic reduction of debt. Life advice: don't quit because of a bout of temporary depression; either you'll regret it later or you won't but if there's even a chance that you'll regret it ... don't do it. Take a year off instead, perhaps? If your program allows that. You're already better off than almost everyone in the world in that you have a job and a further opportunity for future employment. Don't throw it away.
Unfortunately even if someone did tell me it was a bad idea, at 18 I was too hardheaded to listen. I only had what I wanted in mind and rejected anything else. Good points. I'll look into maybe taking a year off. Although, I would like to get out of here as quickly as possible so we'll see.
You're right about the regret. Again, I might be continuing the path of stubbornness that got me in the first place. However I do feel such conviction that living in a society that praises green paper isn't right for me nor ever will be. But I do understand that I can never know if my mentality will change until it does.
I don't think you should let your political opinions on having a money system or not having a money system influence your life so directly, but then again you probably shouldn't let my comments influence you at all. I'm right there with you, in a sense; I went to college in a place that made rational sense but isn't remotely interesting, so I'm just pushing through in order to "start my life" in a better place after I graduate. College is supposed to be fun, people say -- I answer that high school was fun as hell, I did all the stereotypical college things, and now I'm an adult and college feels like a period of stagnation. Without money, life isn't flexible. That's the bottom line.
But what about a life that doesn't require money? That's what I strive for.
Personally, I don't believe that exists. You have to be at the right place in the right time to get even close, and it won't last. And further, what's the ideology behind striving for that? Do you know why you want a life without money? Are you really after a life without debt, both monetary and otherwise? Without obligation or responsibility? If you didn't take part in the series of hubski submission involving the 15-hour work week utopia and the post-work ideal, you should go back and check them out -- very interesting, tangentially related.
It does exist though. And it's a shame that it's become so rare that people question it's existence. Maybe not so much in this country, but I'd be fine going with my Mayan ancestors in the jungle in Southern Mexico. It's not that I want a life free of debt, but rather a life where the only worries or obligations I have are ones that are necessary to living. I don't want to have to worry about some bullshit assignment or deadline or anything of that nature because those things DON'T MATTER. What matters is getting food, shelter, water, and the life lessons learned along the way. Personal spiritual growth is hindered when all of one's time is consumed by frivolous worries. "Who said what?" "Did you see that picture she posted?" "I don't know boss if I can have this ready in an hour." When did we fool ourselves that this was the way we were meant to live.
I want to have a meaningful connection with the land. I want to know where my food comes from. I want to wake up with the sun and sleep with the moon. I want to travel wherever I want because I'll be able to know how to gather and prepare food.
I want freedom from more than debt.
It takes interaction with the government to get to Mexico, and it takes money to interact with the government. You're talking about a pipe dream, and dropping out of school to chase it would only fulfill the mistake of going to school for jazz in the first place. Money and work don't need to get in the way of experiencing nature and understanding the important things in life. They aren't mutually exclusive, it just seems that way to you.
I'd recommend you read The Man Who Quit Money. I think that regardless of what I went to school for, I'd have come to this realization.
For the record, Daniel Suelo has a college degree ;-)
I just sent him an email to get his opinion on the matter.
He had sent out another email recently saying that he'd be on tour with the Lakota Tribe I think it was so he wouldn't have much time to respond. We'll see though. My thoughts have been very back and forth on the issue. I figure, I should probably take responsibility for my stupidity in coming here. I must have come here for a reason, and I haven't done anything significant enough to warrant how much money I'm spending. So I'm trying to figure out what it is I was meant to do here. Perhaps that'll require me to stay another year.
What's the date that you would graduate? Print it off on a piece of paper and hang it on your wall. Below the date write the words (hand written), "I will do this." Then, do it.
That he does. I recently was emailing him, I should ask him if he regretted getting it. I know that he was planning on bailing out paying off his debt, but the debtors nagging his parents bothered him too much.
Only in rare situations. More commonly they have student loan deferral.