How to Pay Off Your Student Loans

Student loans are notorious for fucking up everyone’s life between the ages of 18 and 35. You’ve bought into some sick lie people told you and now you’re in tens or hundreds of thousands of dollars in debt while still making the same amount you were making at your dead-end job in high school and not having any health insurance.

Even if you do have a better-paying job with benefits, chances are student loans still sucks you down, so here’s what you can do.

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There’s a Major Problem Recent Graduates Face That No One is Talking About

When I graduated college last May, I had a lot to be proud of. As the first person in my immediate family to graduate from college, I not only graduated Cum Laude, but with two degrees. I made a few films, including a documentary about the Natives who lived in the town I grew up in, a mixed-media animated art installation, I contributed to a projection mapping event, and had my work shown in a few galleries. I wrote stories, poems, and screenplays. I lead a group of honor students as President of my transfer honor society, wrote blog posts about really important things such as CCD and helping people learn how to reduce their carbon footprint. These blog posts convinced eight of my friends to try menstrual cups, about twenty of my friends to get rid of their chemical shampoos and try the no-poo method, and way more than twenty of my friends to switch to a natural deodorant. Even now, after posting some of those articles about a year or two ago, I still get texts or snaps from people telling me that I inspired them to try something new and make a positive change in their lives. I had a lot to be proud of.

Since January, I had been applying to jobs nonstop betwixt shooting and editing my senior thesis documentary, learning about globalization through literature, and freaking out about graduation. Despite a few responses from people who said they needed me to start the next week or that I could contact them once I moved to LA (which was the only thing I knew I was definitely going to do post-grad), I heard back from almost no one. I went to the Career Center and they helped me perfect my resume. I constantly updated my LinkedIn profile to no avail. By the time it hit August, after moving all of my stuff to Los Angeles, I had applied to about one hundred and fifty jobs – maybe more. I had written about a hundred unique cover letters for each position I applied for. I heard back from maybe five or six of those applications. So, that’s about a 3.3% response rate. This does not include any interviews or anything like that (because sometimes, I would have an interview and not receive a response either). This 3.3% response rate is just that – the amount of people who have responded to my job applications.

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