I graduate in May 2027 with a Neuroscience degree. I was planning on applying to medical school but it seems really bad to let the interest accrue while i'm essentially unemployed for 4 years.

    My dad encouraged me to apply ED to a private school and promised me he could pay out of pocket (he's a high earning physician). I was willing to go to a state school but I took his word. At the end of my first year I received an email from Sallie Mae that said my parents were applying for loans in my name and my dad tells me he can't pay tuition — I was really upset but went along with it thinking it was a temporary thing. At this point I should've transferred to a state school and found a way out but I didnt and that's my fault.

    Numbers wise it is nasty:
    12k balance at 12% variable interest rate
    102k balance at 14% variable interest rate
    87k balance at 15% fixed interest rate

    I am interning as a research coordinator until December and will have a decent amount of professional experience by the time I graduate, but i'll probably only make like 60k in my gap years before trying for medical school or PA school which im leaning towards since it's 2 years. Or I could try to work up towards a higher paying administrative role in research or something adjacent instead of paying for another degree.

    Is it literally over for me and will I be a slave for the rest of my life? I want to move in with my boyfriend after graduation but now I feel like i'll have to live at home and work with my head down forever.

    I apologize for not even asking for concrete advice I just don't even know what approach to take to tackle this.

    200k balance with Sallie Mae, feel like my life is over
    byu/Other_Fisherman2454 inStudentLoans



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